davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

XX/XX/22 I disputed several hard inquiries with Equifax that were found to be unauthorized, the dispute was completed the same day and said to be legitimate. XX/XX/22 I submit another dispute to Equifax along with a FCRA section XXXX letter listing multiple inquiries and asking Equifax to complete an investigation, also sending me documentation of my signature authorizing these inquiries and if they could not provide me with those documents along with the name and address of the entity making the inquiries.. and if they could not do so to immediately remove them from my report. The investigation was completed merely hours later, no proof, no signature, and once again 0ver XXXX unauthorized inquiries that I do not deserve to have left on my report. Ive worked very hard to get my credit profile to what it was. My XXXX old daughter was tragically killed in a fatal car crash so some funding to help With expenses would have been more than helpful during this time, every denial for financing comes with XXXX of the reasons listed for denial being too many inquiries. It is my right under section XXXX for reports to be accurate, it also violates my rights to privacy. Equifax done no investigation. Anyone can apply for credit with someone elses name if they know their identifying information, Im this case I believe it was a family member but still not my inquiry and I demand that they be removed. It should be on Equifax to prove they were authorized, wheres the proof? Its unjust and in very poor business practices to simply assume by XXXX XXXX information that everything on the report is 100 % factual and Im sick of their generic responses to m requests. 

Your immediate attention to this matter is greatly appreciated. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX XXXX NJ XXXX, XXXX XXXX XXXXXXXX  XXXX XXXX Opened : XX/XX/2017 Balance : {$420.00}
Consumer complaint received 2022-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life.
Consumer complaint received 2022-10-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (GA)

On XX/XX/22, I received the results of a previous complaint that I filed via the CFPB on XX/XX/22 regarding a collections account balance. Sequium Asset Solutions responded, stating the account was closed as fraud and deleted. The dispute was settled. I was then instructed by a CFPB representative ( who confirmed the account was deleted ) to submit this information to XXXX, XXXX, and XXXX so that could be reflected on my credit score. I did so on XX/XX/22. Today, XX/XX/22, they have completed my disputes and said that the debt is still owed on my account according to XXXX XXXX XXXX who has verified that it belongs to me. This can not be correct as it directly contradicts the results I received from the CFPB last month.
Consumer complaint received 2023-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (GA)

Cash App refuses to remove the {$60.00} temporary authorization hold from my account ( from XX/XX/15 at XXXX ), despite the fact both myself and the general manager of XXXX XXXX XXXX  XXXX provided the necessary letter ( see attached ) to have the hold immediately removed. They are blatantly trying to hold on to my money for 14 days as a way to make interest for their company off of my money. This type of practice is wrong on so many levels and banks need to be held accountable for these deceptive and dishonest practices. I have both called and emailed Cash App support NUMEROUS times over the last three days and they absolutely refuse to help in any way. Im homeless and living in my van and I need access to my {$60.00}. I advised Cash App of this as well and they have absolutely ZERO empathy! When you call you cant reach a US based customer service team and thats half the battle. Please help!
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc ()

I created an account with the name I used at every of my financial institution and here is same I used at PayPal.inc, my drivers shortened my name which is the same license I used with every other bank verification and it was accepted, they asked me to change the name which I did and then they asked for each bank statement of all my cards linked to the PayPal and I made effort submitting them, my boss paid me {$1000.00} to my account for a maintenance job I was supposed to go fix on Saturday and till now I havent gone because I couldnt access my PayPal account, then they came this morning saying they cant offer me there service anymore after I went to through stress and submitting all kind of document to XXXX knows who I have been submitting it to in PayPal app, if they really cant offer me there service let them refund the {$1000.00} back to my boss and take there account back I dont need it or they release my account for me to take my money out and unlink all my cards and bank details from it, I really cant wait 180 days for all that drama they have started since Friday I have been waiting.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to formally complain about the persistent challenges I have faced in attempting to rectify fraudulent items on my credit report. Despite multiple efforts to address this issue, the fraudulent entries persist, causing significant distress and harm to my creditworthiness. 

I have attached copies of my credit reports highlighting the specific fraudulent items, along with supporting documentation that clearly establishes the illegitimate nature of these entries. 

Despite my concerted efforts, the fraudulent items persist on my credit report, negatively impacting my financial standing and causing undue stress. I am well aware of the seriousness of identity theft and the importance of swift resolution to protect both consumers and creditors. 

I urgently request that you conduct an immediate and thorough investigation into this matter and promptly remove the fraudulent items from my credit report. Additionally, I expect a detailed written response within 30 days of receiving this complaint, outlining the specific steps taken to address and rectify the situation. 

If my concerns are not addressed within the specified timeframe, I will be compelled to escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal advice. I am asking for your assistance to remove these fraudulent items in my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

After reviewing my Credit Report on XX/XX/XXXX ; I noticed for the second time deficiencies of reporting and inaccurate information on my XXXX credit report in violation of the Fair Credit Reporting Act Section XXXX ( XXXX XXXX XXXX XXXX ) and lawful compliant reporting standards ( see attached notice ). Please report ONLY my legal First and last NAME. I request you remove DATE OF BIRTH year " XXXX '' and REMOVE previous address listed as : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX ; I do not live here nor have I ever resided at this address ( See attached Notice dated XX/XX/XXXX which includes my Driver 's License, Social Security Card # and Phone/utility Bill. XXXX Additionally I respectfully request an investigation of THD/CBNA account XXXX, and Inquires : " XXXX '' dated XXXX XXXX report and CAPITALONE dated XX/XX/XXXX on my XXXX XXXX. XXXX concerned my personal information XXXX have been breached in XXXX data breach. I HERE NOW EXERCISE my consumer RIGHTS to DEMAND that ONLY FACTUALLY PERFECT TRUE CORRECT VERIFIED VALIDATED CLAIMS that are CERTIFIED COMPLIANTLY be REPORTED. SINCERE THANKS FOR YOUR TIME AND ATTENTION. [ [ **PLEASE ADD XXXX XXXX Account # XXXX and Account # XXXX to my report, I do not see these accounts! XXXX FCU is my Accounts ] ], Thank you again, Be Well ....
Consumer complaint received 2022-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

CFBP write up In accordance with the fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A .states I have the right to privacy. 15 U.S.C 1681 section 602 A 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NJ)

I was really upset to find unauthorized inquiries on my credit report this morning, and I dont know how they appeared. I check my credit report regularly, but this time I found discrepancies that I cant explain. I even tried refreshing my browser, thinking it might be a glitch, but the unauthorized inquiries didnt disappear. Im very concerned about this, and Im requesting a thorough review of the documents Ive sent so I can stop worrying about this issue.
Consumer complaint received 2024-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (TX)

After reviewing my credit report I see this company is still reporting a charged off account from over 6 years ago. By law this should have been removed from all XXXX credit bureaus after the 6 years was up. It was only removed from XXXX and it needs to be removed from my credit report immediately. I am distressed this account has not be fully removed in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.
Consumer complaint received 2022-09-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

This is my second complaint against Portfolio Recovery. 

On XX/XX/2022 I made a complaint against Portfolio Recovery Associates , LLC ( XXXX ) for violation of the FDCPA and accusing them of participating in racketeering activity and defamation of character. See Complaint XXXX On XX/XX/2022 the company responded denying all allegations but failed to provide any evidence or proof of claim. In their response they stated Portfolio Recovery Associates , LLC ( PRA ) investigated your complaint and verified the PRA account ending in XXXX. What was the method of verification used? Who was interviewed and what documents were reviewed? 

The company also stated that it purchased the account from XXXX Bank ( " XXXX '' ) XXXX XXXX. However the company failed to provide any Purchase Agreement, Bill of Assignment, Chain of Custody or any account-level documents. 

PRA is reporting to XXXX that the account balance is {$570.00}. However in their response they state the account balance is {$610.00}. XXXX also is reporting a High Balance of {$610.00}. How was this amount calculated and why is there a discrepancy in amounts? It is clear that PRAs business records are not accurate and they are reporting negative false information about me to the credit reporting agencies. This defamation of character is affecting my right to obtain credit. 

Providing the credit reporting agencies with deceptive forms and attempting to extort money from me is racketeering activity. Continuing to engage in these fraudulent business practices will make legal action necessary.
Consumer complaint received 2022-12-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (GA)

I declare under penalty of perjury ( under the laws of the united states. If executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 use 1621. This collection found within my credit report are not rolated to any transaction that I made. I am alleging that a person or company " without my authorization- used my personal identifying information to apply for goods, services, or money and was successful in creating some accounts. All is being investigated by the FTC
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

XX/XX/year> I took my car into XXXX dealership to sell my car. I provided the dealership with the payoff amount. XX/XX/year> the bank reflected on my account that the balance was paid off and closed. I then took that information and reported it to the credit bureau and XX/XX/year> they said the disputes had been opened. I received a email from Experian saying that the information will remain on the account. This information is inaccurate and should reflect the correct information that the account is paid and closed.
Consumer complaint received 2023-09-12
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Block, Inc. (TN)

I simply just use this cash app and card for cash..recently I purchased XXXX dollar stock option ... I don't know if that may have caused a problem but they are falsely accusing me of setting up a direct deposit which I absolultely do not have. I worked in XXXX and I am a former XXXX ..they hang up..they send email after email..I still have XXXX dollars owed back to them for a loan they authorize but they wont allow me to add money to pay it back..I want them to stop falsely accusing me..no offense but it is the XXXX and XXXX on the phone..my point is they are not XXXX speaking I believe in XXXX and I do not judge but I have high security clearance I want this stopped!! I want my loan paid back and I want my stock of XXXX sent to me on the other stock option it was just XXXX and XXXX. they refuse to tell me why they are acting this way, ,AGAIN I DID NOT AUTHORIZE DEPOSITS
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
XXXX Balance XXXX {$47.00} XXXX XXXX - XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$1200.00} XXXX XXXX  XXXX XXXX XX/XX/2023
Consumer complaint received 2024-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (FL)

I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered XXXX  XXXX  as a result of this matter and as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the XXXX section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!
Consumer complaint received 2022-12-10
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Roosen, Varchetti & Olivier, PLLC (GA)

XXXX XXXX XXXX sued me in XXXX on debt that had defaulted in XXXX, which is past the statute of limitation in the state of Georgia XXXX XXXX XXXX sued me on three time barred loans. I have notified the debt collection law firm that these debts are time barred and have engaged them in intensive discussions regarding the time barred nature of the debt. 

The submitted a payment ledger that shows interest accruement, however, it doesn't show any payments made by the alleged debtor. No payments were made on this loan, therefore, the default in payment would have been XX/XX/XXXX, and the lawsuit was filed on XX/XX/XXXX, which is outside the statute of limitations in the State of Georgia and, therefore, the claim is time-barred. In addition the claim being time-barred, the service was improper. Now, there is a XXXX on the property of the alleged debtor. The default judgement on the time-barred claim is causing the alleged debtor financial hardship, as it is preventing him from obtaining credit as needed, and causing him to pay higher interest rates.
Consumer complaint received 2023-12-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (GA)

I made over {$44000.00} in voluntary payments to XXXX on XXXX during the payment pause ( see attached ). Since then, my loan servicer changed to Mohela. I requested a full refund from Mohela in XX/XX/XXXX and so far have received {$110.00}. 

Several calls and emails have made to Mohela over the last 15 months regarding the rest of my refund ( I attached a few screenshots, just to show the dates ). XXXX response I got from Mohela was they are only responsible for submitting the refund request, and that I needed to contact Federal Student Aid to check the " National Student Loan Database '' to figure out why we only received {$110.00}. 

I made the phone call to Federal Student Aid as advised, and was told Mohela is responsible for my refund request. 

I have spoken to different people at Mohela and received responses such as " we have a lot of refunds to process, wait XXXX weeks, '' or " you need to contact XXXX. '' The most recent response I received from Mohela ( from a supervisor named XXXX on XX/XX/XXXX ) is that since some of the loan groups were paid in full and closed at XXXX, they were never transferred to Mohela. Therefore, I needed to " request the refund from XXXX ''. 

I spoke to a supervisor at XXXX ( XXXX ) on XX/XX/XXXX, and he says Mohela has the ability to request refunds from the Dept of Treasury for any voluntary payment made in XXXX, even if the loan was paid through XXXX. He also mentioned the cutoff to request a refund from XXXX was XX/XX/XXXX, and the messages I send ( including the refund request I sent months ago ) " don't always attach '' to my accounts, even if I am logged in on the portal. XXXX also does not show a " sent messages '' folder, so I am unable to provide screenshots of the messages I have sent to them. 

Mohela and XXXX have both been denying responsibility for my refund request for over a year, and XXXX of them is giving inaccurate information.