davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-06
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: EQUIFAX, INC. (FL)

Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.
Consumer complaint received 2023-07-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: McKenzie Management LLC (MD)

On XX/XX/2023, I sent an Apple Cash payment to a family member in the amount of XXXX. At the time, I didnt realize I had a balance of {$27.00} on my Apple Cash  card, so it deducted that balance and debited the other {$620.00} from my XXXX checking account. The next day ( XX/XX/XXXX ) when I saw the transaction in my checking account activity, I did not recognize the amount ( and frankly, in the moment, I didnt even recall sending the Apple Cash payment for XXXX the day before ), so I mistakenly filed a dispute with XXXX and told them I had not authorized that transaction. The next day, XX/XX/XXXX, I realized my mistake and called XXXX to withdraw the dispute. They quickly sent me a letter indicating that they understood I no longer wished to dispute that transaction, that they had closed their investigation and no further action would be taken. I have attached that letter in PDF format. My Apple Cash  account, however, has been restricted ever since and I have not been able to restore access to this service, which I have routinely used for years. Ive spoken with both XXXX and Apple Cash Support at least 30 times over the last 4 months. Every time, without fail, Apple Cash insists that they can not restore my account until XXXX withdraws the original dispute. XXXX repeatedly insists that they have no way to notify Apple Cash or withdraw the dispute on my behalf. It appears that the systems that manage these types of fraud claims are completely automated and are mutually incompatible - Ive elevated my complaints to numerous supervisors and fraud specialists and have been told repeatedly by both XXXX and Apple Cash Support  that nothing can be done to withdraw the dispute and restore access to my Apple Cash account. Ive also been told by XXXX that they use a third party agency called XXXX XXXX to manage their fraud claims, and that they have no way of contacting XXXX XXXX to withdraw this particular dispute. Apple Cash has indicated that their customers use other banks that also use XXXX XXXX for fraud resolution and have never experienced this problem. But it appears I am permanently locked out of a service that Ive used for years because I mistakenly disputed an authorized transaction, and XXXX and Apple Cash are unable or unwilling to withdraw or otherwise resolve this dispute.
Consumer complaint received 2020-04-16
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (AZ)

The Bank Workers are not trust worthy. U.S. Bank inside XXXX XXXX in XXXX. And Also U.S. Bank on XXXX XXXX & XXXX XXXX. I am sorry for Banking with U.S.BANK AFTER ALL. CROOKED WORKERS ARE REALLY DECEITFUL WITH MY CHECKING ACCOUNT. information PROVIDED THROUGH MY MONTHLY STATEMENT ILLICIT AND CONSTERNATED BADLY. BY WAY OF REINSERTED INFORMATION HAS BEEN DONE PREVIOUSLY BEFORE. WHEN I WALK UP TO ( ATM ) MACHINE TO CHECK MY ACCOUNT BALANCE. THE WORKERS ADDED UP TO {$7.00} DOLLARS CHARGED. THIS IS RIDICULOUS, CROOKED TYPE OF INDIVIDUALS WORKING ON MY BANK ACCOUNT. I'V NEVER SEEING ANYTHING LIKE SO BEFORE. REALLY CROOKED DECEITFUL U.S. BANK WORKERS. I WONDER WHERE THEY COME FROM, AND WHAT COLLEGE THEY GRADUATED FROM. IT DEEMED EVIL, EVILDOERS TYPE OF WORKERS IN U.S.BANK. I COMPLAINTS SEVERAL TIMES BEWFORE ABOUT U.S.BANK WORKERS DECEITFUL ACTIVITY TO MY BANK ACCOUNT. I WONDER IF THEY ARE NEW IN OUR COUNTRY. ACCORDING TO THEIR DESPERATE TO FNAGLE ME AND MY BANK ACCOUNT ILLICITLY. IS A LAW VIOLATION. FURTHERMORE ; MY PENSION DEPOSIT GOES IN THE XXXX  OF EACH MONTH. UNLES OTHERWISE THE XXXX   FALLS IN SATURDAY, SUNDAY, OR HOLIDAY WILL BE IN BEFORE THE XXXX  THEN. THE WORKERS MIGHT TRY TO TAKE ADVANTAGE OF ME BECAUSE I AM OLDER MAN. AND MY SWEETHEART WIFE XXXX XXXX XXXX PASSED AWAY XX/XX/2019. THIS HURTS ME BIG TIME, ADDING TO MY PAINS U.S.BANK WORKERS TRYING TO FINANCIAL FINAGLE ME AND MY BANK ACCOUNT IS A LAW VIOLATION PERIOD. IN ADDITION ; MY XXXX  XXXX 4  YEARS COLLEGE  XXXX. ALSO WORKING AS A XXXX XXXX  AT HER JOB. BUT I DO NOT WANT TO BOTHER MY CHILDREN UNLESS SOMETHING SERIOUS THAT I NEED THEIR HELP WITH OF COURSE. I AM TRYING TO DO EVERYTHING ON MY OWN. TO KEEP ME GOING OTHEWRWISE. SURE APPRECIATE ANY STRICT SCRUTINY INVESTIGATION TO MY CHECKING ACCOUNT ARIGHT. THANK YOU, GOD BLESS.
Consumer complaint received 2023-07-06
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. (TX)

In accordance with the Fair Credit Reporting Act, this XXXX XXXX has violated my rights. 

15 " USC1681 Section 602 " States I have the right to privacy.

15USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-07-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC. (NY)

XXXX, XXXX XXXX XXXX XXXX XXXX, Representing Midland Credit Management had filed a suit against me regarding XXXX accounts they claim i owe. I communicated with the with a refusal to pay and to close all accounts as they are clearly violating my consumer protective rights. XXXX, XXXX XXXX XXXX, XXXX has not closed these accounts after their suit against me has been dismissed. CASE INDEX NUMBER # XXXX. XXXX XXXX XXXX XXXX. This case has been dismissed and should be closed down. The debt statute of limitations has expired in XXXX according to the CCFA the statute of limitations on collecting a debt is 3 years and I have refused to pay any amount on the debt. these violations will not go unnoticed. This account is no longer collectible and the judge has made the decision on dismissal.
Consumer complaint received 2023-07-06
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I HAVE SENT IN COUNTLESS DISPUTES TO REMOVE THIS COLLECTION FROM MY REPORT WITH EXPERIAN AND NOTHING HAS HAPPENED. PLEASE HELP ME REMOVE THIS COLLECTION FROM EXPERIAN. THANK YOU! 

XXXX XXXX Account Number : XXXX Report Number : XXXX
Consumer complaint received 2023-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-07-06
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: Prosper Marketplace, Inc. (FL)

The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-07-06
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: Experian Information Solutions Inc. (AZ)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX 2. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Consumer complaint received 2023-07-06
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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Ive been a customer for a long time with capital one I fell on hard times and was late in XXXX I asked for them to remove late As goodwill. Im trying to purchase a home yet still havent heard from them and its been past 30 days.
Consumer complaint received 2023-07-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Diverse Funding Associates LLC (TX)

On XX/XX/2023 I talked with XXXX XXXX XXXX and offered to settle a debt. They brought up all the other debts I owe, including to XXXX  and other credit cards, which I feel like should be privileged information. When I did not want to pay the amount that they wanted they said they were going to turn this over to legal, and pursue a lawsuit, I then told them it was illegal, and they denied threatening to sue, they also threatened to report it to my credit report.
Consumer complaint received 2023-07-06
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Please remove it from my credit report. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2019-01-15
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2018 .... I mailed identical hand-written disputes to be filed and addressed within the 30-day allotted time frame with all 3 credit bureaus and have yet to receive any update, nor any revised report reflecting the changes.

Consumer Rights according to the FCRA allow a 30 day review and if not timely responded, then the derogatory item disputed is removed from the consumer report.
Consumer complaint received 2023-07-06
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 — Problem with personal statement of dispute
Company: Laurens Financial Services Inc (SC)

LAURENS FINANCIAL IS REPORTING REPOSSESS AND FULL BALANCE WITH THE CAR THEY NEVER POSSESSED ... ... ... I owned a car purchased through XXXX XXXX XXXX paid off.i took a loan for XXXX I made two on time payments then the transmission went out and it was no longer reliable.i was going to continue to pay my loan monthly but they said I had to still keep insurance on the car which was XXXX and still make loan payments in which I couldn't afford to having to get another car.so I told them come get the car and they did.its been a year now and they said they haven't sold car but have the full loan amount on my credit report 1691 and they have the car.they putting it as a repossession on my credit report even it was my car paid for.i didn't finance a car from them only a loan of XXXX using as a collateral.i don't under stand how they reporting full balance and they have the car.its was my car from start so no repossession went on.i thought them getting the car would clear loan but it show full balance and repossession on my report in which it was my car all along before loan.so they never had car you can't repossess when you never possessed.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

account information is not accurate with XXXX XXXX XXXX # XXXX this account is not 30 days late and hs never been they should have received communication from XXXX XXXX regarding this matter account has on tie payment the 30 day ate is not correct XXXX XXXX will verify this information is not correct I have a deferal in place payments are currant
Consumer complaint received 2023-07-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: ROBINHOOD MARKETS INC. (NC)

Robinhood restricted my account over 2 years ago over fraudulent activity. 
There was a linked bank account that was opened in my name without my permission and they are wanting me to prove that the fraudulent account belongs to me in order for them to unrestrict my account and release my funds. 
The problem is how do I prove ownership of an account I didnt authorize or open. I have had money held hostage in this account for many years. I asked them could they just close the account and send me my money back since Im unable to trade or take my money out but they wont budge. It is honestly starting to feel like they are holding my money unjustifiably. My account has a balance of {$100.00} and my account number is # XXXX. I am hoping I can recover my funds and leave this company for good!
Consumer complaint received 2023-07-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (NH)

Credit Management LP, a collection agency located in XXXX, Texas, put a collection item on my credit report. I do not owe that alleged debt. I called them XX/XX/2023 to request info about who the creditor is and what the debt is about, I provided my phone number and address, the rep said that my address is not the one listed in their files. She was clearly able to locate my file based on my phone number, because she addressed me by my full name without me telling her. I requested more information, the rep said they can not verify the debt is mine, then hung up on me. She is right, I do not owe the debt.
Consumer complaint received 2023-08-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (TN)

Today I noticed a collection on all three credit reporting agencies ( XXXX, XXXX, and XXXX ). The original creditor is XXXX XXXX XXXX and the collection agency is as follows I C SYSTEM, XXXX XXXX XXXX XXXX XXXX, MN XXXX, ( XXXX ) XXXX. I was not aware that I owed this debt. I was not notified of this debt. On XX/XX/XXXX my husband and I called I C System at XXXX XXXX. and spoke with XXXX XXXX. Her employee number is XXXX. I asked her, " How did IC System verify this debt ''. She stated they have no way of verifying the debt and do not have to. She said they only follow what the original creditor told them to do. I asked what address did they have on file. They said XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX. However, I lived at an entirely different address in a different city on that date, I moved to my new address in XXXX of last year and have a lease to prove it. Before that, I lived with my mom at a different address. I asked I C System how they notified me of the debt and they said by text message on XXXX the XXXX of XXXX. The number they gave me was ( XXXX ) XXXX. However, I contacted XXXX XXXX and they verified I had that number from XXXX until XXXX. Then I updated my number to ( XXXX ) XXXX from XXXX to current. I asked I C Sytem did they mail me verification or notified me by mail and she stated no. I asked if they notified me by email and she said they never had my email. The Consumer Financial Bureau ( CFPB ) states, " Make sure the bill is yours and shows your correct name, and billing address. '' However, I was not provided a chance to verify any of this information. Instead, this company took it upon itself to place this on my credit report without giving me a chance to verify the debt. 
- The Consumer Financial Bureau ( CFPB ) states, Before a debt collector can report your debt to a credit reporting company, the debt collector must do any XXXX of the following : Speak with you in person about the debt, Speak with you by telephone about the debt, Mail you a letter about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the letter wasnt delivered, or Send you an electronic communication about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the message wasnt delivered. 
If a debt collector sends you a validation notice about a debt, it means they have satisfied their requirement to contact you and, in general, can begin to report the debt to credit reporting companies. 

However, I never received notification or verification of the debt in any way listed above. I recorded the phone conversation between the representative and I for my protection. I am completely disgusted at how debt collection agencies feel as if they can do whatever they want.
Consumer complaint received 2020-03-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

XXXX Erroneous Foreclosed- ( FCL ) XX/XX/XXXX -Later Rescinded FCL- Modification accepted under duress for 1st & 2nd XX/XX/XXXX.Current on 1st but never recovered. 2nd ( HELOC ) is invalid debt ( wiped out with 1st Foreclosure ) -Extensive dispute over years not resolved- XXXX attempted to Foreclosed on HELOC again XX/XX/XXXX by recycling invalid Notice of Default on invalid Debt. Disputed once again. Not Resolved. XX/XX/XXXX XXXX sold Loan Servicing Released to Select Portfolio Serviceing ( SPS ) - ( Investor XXXX XXXX. SPS has filed an Erroneous Notice of Trustee Sale for XX/XX/XXXX. XXXX XXXX XXXX Kicked the can down the road but never resolved original dispute. SPS is attempting to sale home under a Trustee foreclosure sale but I feel is violating CA foreclosure laws and does not have a valid debt and /or has not gone though proper steps.
Consumer complaint received 2023-08-16
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. (CA)

TRANSUNION is in non-compliance and illegally reporting Inaccurate false information About me the following alleged accounts are listed as collection And updated With past due balances and open XXXXXX/XX/XXXXXX/XX/XXXX in the amount of {$1200.00} As of XX/XX/2023 And XXXX XXXX XXXX XXXX In the amount of {$1200.00} As of XX/XX/2023 This is a direct violation of the FCRA and is also in violation of requisites Metro2 Compliant Reporting Standards By the provisions of the Fair Credit Reporting Act and per the standards of the reporting compliance in implemented With the CRSA enacted DCIA Metro 2 compliance regulations I have a right to a fair and accurate credit report and they are required to remove any information that is not truly accurate, compliant and verifiable
Consumer complaint received 2019-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NJ)

I paid the payment due on time but TJX charged me the usurious late fee of {$35.00} which is outrageous and obscene and downright criminal and confiscatory! XXXX XXXX, XXXX, XXXX XXXX, XXXX ( ret )