davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I had an account with XXXX  that went delinquent, and was sent to collections in XXXX of XXXX. XXXX of XXXX, is when this debt is supposed to be deleted from my credit profile. According to the information that the collection agency XXXX XXXX XXXX, applied to my Experian profile, it is apparent that they have re-aged my Experian credit account. It is showing that the date the account was opened was in XXXX of XXXX. I sent a certified letter to both XXXX XXXX XXXX, and Experian to have the company verify that the information included in this alleged debt. Neither company has validated the debt, original contract, the details stating what and why the amount is due, or proof that the original debt was not charged off by any means. I sent Both companies my demand for validation letter, under the above mentioned terms in XXXX of XXXX. They had until XX/XX/XXXX to either validate it, or remove it from my credit profile. After contacting Experian customer service, they still allowed this fraudulent account to stay on my credit, without any proof.
Consumer complaint received 2021-04-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (KS)

To whom it may concern, My name is XXXX XXXX and on Saturday, XX/XX/2021 - I woke up to several notifications that my CashApp account had authorized multiple transactions to various people that I did NOT know and did NOT authorize. I promptly called my bank to inquire about what to do and to cancel my debit card immediately. 

The scammers attempted to send upwards of {$1200.00} but only {$300.00} went though because I only had enough funds in my account for that amount to go through. I realize that it looks like I authorized the transaction, but I did NOT. Someone hacked into MY CashApp account and sent themselves money. I emailed Cash App Support on XX/XX/2021 and received a response from " XXXX '' on XX/XX/2021. I filed a complaint to dispute the charges and gave them the names of the three individuals who were sent money from " me '' because clearly they were part of a larger scam and needed to be banned or have their account suspended. The next day, XX/XX/2021, someone from CashApp named XXXX informed me that there was nothing that they could do to get my money back. I have since closed my CashApp account and deleted the app. I changed EVERY password to prevent something like this from happening again. I am in the process of reporting CashApp to the XXXX XXXX XXXX.

I am sad and frustrated that CashApp allowed this security breach to happen and failed to help me whatsoever. I am a graduate student in a clinical psychology program and am already under a significant amount of financial stress. I can not emphasize enough how I DID NOT AUTHORIZE THE PAYMENTS. I was asleep and woke up to my worst nightmare. Please let me know what you need from me so we can resolve this. 

Thank you, XXXX XXXX
Consumer complaint received 2021-04-05
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Yamaha Motor Finance Corporation USA (KS)

I purchased a motorcycle and financed it through Yamaha Financial. During the loan period XXXX of XXXX I had requested a registration packet to title the motorcycle in local state. I waited a month with no answer and called again. Waited another couple of months still nothing. I asked my local DMV to request the paperwork needed via email to send it back by fax. Still haven't received paperwork by XX/XX/XXXX. Reached out by email to their administration department with my concern asking for the registration packet. Finally XX/XX/XXXX I paid the motorcycle off hoping the title would come quickly and it would be over. No, found out on XXXX XXXX, XXXX I needed to do their job for them and send my lien release form to previous to release my title. Weeks later I was contacted by previous states local treasury department that they do not participate with the California Seal Certificate. Previous state representative and I have contacted Yamaha asking for the proper paperwork after numerous phone calls and emails. They said they would send out the correct form with the proper information needed. I received a copy today XX/XX/XXXX of the wrong form again. I have spoke with several supervisors in customer service and the titling department and they can't resolve this matter. After almost a year paid off I would like my title, please.
Consumer complaint received 2021-04-06
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: EQUIFAX, INC. (FL)

This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!
Consumer complaint received 2021-04-06
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: CL Holdings LLC (GA)

On XX/XX/2020, Jefferson Capital System add a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for this account. Debtor 's creditors did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate a debt and anybody can send a bill and say it's mine. According to the FCRA, Jefferson Capital System has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Consumer complaint received 2021-04-05
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: EQUIFAX, INC. (VA)

I like to file a dispute for unidentified fraudulent items listed on my credit report for the following : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX XXXX. I have filed an Identity Theft Report with the FTC. The report number XXXX and I have attached a copy of the ID Theft Report with this complaint. Please review.
Consumer complaint received 2021-04-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmerAssist A/R Solutions, Inc. (CA)

I have been going to XXXX  XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX for many years. I ALWAYS pay in full at the time of service. I was shocked to receive a delinquent notice from Amer Assit A/R Solutions Inc XXXX XXXX XXXX XXXX Ohio XXXX threatening that this could ruin my credit. 

I called the XXXX XX/XX/XXXX. They assured me I didn't owe anything and this company was just behind and it would be cleared up. I don't know how or why my info was sent to them in the first place. This happened again two weeks later so I contacted the XXXX  again on XX/XX/XXXX. I got their exchange/customer service and explained the situation. Then I called the debt collector and they said it was on the XXXX and they couldn't clear my record until the XXXX  resolved it. I called the office again XX/XX/XXXX. The office manager XXXX XXXX tried to conceal her identity. When she finally identified herself she said she would resolve the matter and send me email confirmation. She never did. I wrote a personal letter to the owner XXXX XXXX advising her that was costing her customers and after many years I would not be coming back. There was no response. 

Now I have another letter XXXX from XXXX XXXX Collection Officer threatening to proceed with additional corrective steps. I am tired of being harassed when no money was EVER owed.
Consumer complaint received 2021-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIRST NATIONAL BANK OF OMAHA (AZ)

i have paid First bank of omaha over {$1700.00} over a month and a half ago on XX/XX/21 paying off the balance and they have not reported the drop in balance keeping my credit score lower than it should, i paid, on the same date XX/XX/21 i paid over {$2000.00} dollars on XXXX XXXX XXXX and they also refuse to report the drop in balance keeping my credit score lower then in should be, i also paid off every balance on all 4 XXXX XXXXXXXX credit cards includeing XXXX XXXXXXXX and they have refused to report the drop in balance, also on XXXX XXXXXXXX XXXX payed balance in full and NO REPORT in balance drop ALL these cards in question have reported according to XXXX  and XXXX XXXX and all show balance when there are none! ... .i have contacted them all on 2 occasions each with no update with accurate account balances keeping my credit score low ... and you should note i am XXXX XXXX and feel i am being XXXX against to deliberatly keep my credit lower then it should be ... i hsvnt missed or had a late payment on ANYTHING in over 5 years ... .please help me
Consumer complaint received 2021-04-03
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. (CA)

There are 12 accounts on my credit report that are not mine they are part of a identity theft case that I am going thru I have reached out to the three bureaus regarding this I have reached out to the furnishers and yet nothing there. I have opened an FTC report regarding this I spend days writing letters and getting on the phones to reach the furnishers and bureaus I am getting tired of this run around I need these accounts off my credit report. 

Account Name : XXXX XXXX XXXXS XXXX Account Number : XXXX Account Name : US DEPARTMENT OF EDU Account Number : XXXX Account Name : US DEPARTMENT OF EDU Account Number : XXXX Account Name : US DEPARTMENT OF EDU Account Number : XXXX Account Name : US DEPARTMENT OF EDU Account Number : XXXX Account Name : US DEPARTMENT OF EDU Account Number : XXXX Account Name : US DEPARTMENT OF EDU Account Number : XXXX Account Name : US DEPARTMENT OF EDU Account Number : XXXX Account Name : US DEPARTMENT OF EDU Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2021-04-02
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (TX)

I received notice that my 0 % APR on my existing balance is expiring next month on my homedepot credit card. I need to know how this will effect my minimum monthly payment and monthly interest beforehand so I can prepare. I contacted XXXX via secure messaging and asked 3 times and they just kept copy pasting useless information as responses and refused to answer my questions. I need this information now so I can plan my budget.
Consumer complaint received 2021-04-03
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)

I have provided proof and I have informed Experian many times my only name is XXXX XXXX. My only address is XXXX XXXX XXXX XXXX, Florida XXXX. My only place of employment is XXXX XXXX XXXXXXXX XXXX. There is no debate, there is no investigation necessary. Retaining incorrect information after I have repeatedly requested the correction is a Violation of the Fair Credit Reporting Act. I believe this is grounds for a law suit. There are three violations just in my Personal Information.

15 U.S. Code 1681i : Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer
Consumer complaint received 2021-04-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

In XXXX at the start of COVID-19 my mortgage company allowed me to go into deferring my payments because of COVID-19 this XXXX my wife resumed working we were able to start making our mortgage payments again. we filled out paperwork to find out what would happen to our Missed mortgage payments they said there was nothing they could do and we would either have to pay up all the missed mortgage payments or they were going to foreclosure On our house.
Consumer complaint received 2021-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (OR)

I opened a Barclaycard Ring Mastercard in XX/XX/XXXX and transferred a balance from another card to it. 

I then paid off the card over a period of just over a year until the balance was paid off in XXXX of XXXX. 

I never made any purchases on the card and did not transfer the balance to another card. All I did was make a single balance transfer to the card in XXXX of XXXX and then pay the balance off over the period of XX/XX/XXXX to XX/XX/XXXX. 

However, I still received a fradulent charge on the account at a website called XXXX in the amount of {$19.00} on XX/XX/XXXX and then another for {$4.00} on XX/XX/XXXX. I did not make either of these charges, and since I made no purchases on this card nor did I transfer the balance to any other cards, the only other party that had this credit card number was Barclays. As such, it would appear that Barclays themselves had a data breach of some type that allowed the fraud on my card.

I discovered the issue in XXXX of this year and Barclays did reverse the charge, but I do find it concerning that they would have a security lapse that would allow my credit card to be exposed to whomever committed the fraud. And if Barclays leaked my card number to malicious parties, how many other card numbers were exposed? It seems unlikely that only my account and card number was involved.
Consumer complaint received 2021-04-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (AL)

Wells fargo has not addressed all my issues. I have never harassed their employee XXXX XXXX. After doing all the running around of getting the new account opened they closed it because XXXX XXXX " Falsely Accused '' me of harassing her while i was in the bank. It was a set up from the get go, for XXXX XXXX to be at the bank when I got was finishing up opening my new account. XXXX XXXX had it all planned for me to get arrested. She was coming around me I wasn't coming around her. She slandering my character to her co-workers and they believed them. But the police didn't arrest me, they walked in the bank and looked confused looking like there is nothing going on here. It seemed to anger XXXX XXXX so she lied to XXXX XXXX who then sent me a very hostile angry letter, with him saying that my new account was being closed. He didn't put it in writing because he though he was being smart. Then he proceeded to tell me in a angry unprofessional way to never enter the wells fargo branch that I went to open my new account. I wasn't allowed to enter any wells fargo like XXXX XXXX would travel to all the wells fargo in the country. She has caused my life to be a pure nightmare for no reason. Wells fargo went along with her knowing good and well I didn't harass her. I called XXXX XXXX to tell him my side of the story & asked him what this was about. His reply was you know what this is about. I was treated very unfairly by XXXX XXXX and the employees at the XXXX XXXX wells fargo. But wells fargo says their decision stands & they refuse to settle. 

XXXX XXXX was intentionally coming around me. If I harassed her so much you would think she wouldn't come around me. But she falsely accused me and got away with it so she is coming around me where I'm at and this is stalking. She knew I was going to be at the bank that day when I was finishing up opening my new account.
Consumer complaint received 2021-04-04
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: EQUIFAX, INC. (DE)

Account not mines. Submitted FTC report. 

1 Original creditor : {$90.00} Account number XXXX 2. Original creditor : {$650.00} Account number XXXX Remove Inquiries 3.XXXXXXXX XXXX  4.XXXX XXXX XXXX XXXX 5.XXXX 6.XXXXXXXX XXXX XXXX XXXXXXXX 7.XXXX XXXX XXXX 8.XXXX XXXX 9.XXXX XXXX 10.XXXX XXXX
Consumer complaint received 2021-04-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank Of America sent me a 1099-C for a debt cancellation in 2020 for a debt I do not recognize.

I sent them a registered letter saying I did not recognize the debt and to my knowledge had not had any prior communication regarding this debt. I asked them to provide written verification of this purported debt, an itemization and dates of said debt, and the name and address of the original creditor. They did not comply with my written request. They only sent a letter stating, " After careful research we've determined that the TIN or SSN and the amount reported are correct ... '' They did not supply any of the verifications of the debt, dates of the debt, the name or names, and address of the original creditor.

I feel Bank of America is in violation of the Fair Debt Collection Practices Act because they have not complied with the above requested information.
Consumer complaint received 2021-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: ENCORE CAPITAL GROUP INC. (UT)

Midland Funding is reporting a debt on my credit file that I do not owe. I have sent them multiple letters for them to validate this debt and I have yet to hear back. This account had been removed from my credit file and they recently put it back on?! I was not notified about this and they gave me no chance to dispute it once again which violates my 30 day right to dispute. This account is past the statue of limitations in my state and it's also past the credit reporting limit. I need Midland Funding to remove this account from my credit file. I will also let you know that if you continue to report invalidated false information to any of the three credit bureaus it could constitute fraud under both federal and state laws. If you continue to report invalidated information and false information on my credit report I will have no choice but to contact my attorney general and my attorney. This debt is past the statue of limitations as mentioned and the credit reporting limit which means you must remove this.
Consumer complaint received 2021-04-03
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. (GA)

I received a notice that I had a late payment on my credit report. I looked up the account and it is one I do not recognize. I filed a police report and reported the account as fraud to the Credit bureaus as well as the financing company. The company Instead of investigating or ceasing reporting of the information they updated their file with the information from my complaint. Where they had my previous name they updated to my married name where they had an Incorrect address they update it to my current address and any other false information provided by the person committing the time its updated as though they were updating a debt owed by me. The credit bureaus refused to update it saying that they had to remain in compliance for the creditors account and not my credit reporting even though they are reporting false information
Consumer complaint received 2021-04-05
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: EQUIFAX, INC. (CA)

I contacted Equifax over the phone after I discovered fraudulent credit inquiries on my credit report. The Equifax representative that answered the phone informed me I needed to contact the creditor directly. However I had already reached out to the creditor and the creditor informed me I needed to contact the credit bureaus. Therefore I immediately informed the representative that I had already reached out to the creditors and I informed her I was frustrated at this point because I felt like I was getting the run around and nobody was helping me solve this situation. The representative stated she needed to transfer me to the fraud department. Once the Equifax representative transferred my call to the fraud department I went over the fraudulent credit inquires listed as followed : XXXX XXXX XXXX on XXXX, XXXX XXXX XXXX on XX/XX/XXXX, and XXXX XXXX on XX/XX/XXXX with the representative and was told my dispute had been opened. It has been more than 30 days and I still see those credit Inquires on my Equifax credit report. It has been very difficult getting this resolved and I just want to make sure these fraudulent inquires are removed from my credit report.
Consumer complaint received 2021-04-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monarch Recovery Holdings, Inc. (MD)

I received a letter from a debt collector XX/XX/XXXX stating I owed {$3000.00} for charge with XXXX Bank for a purchase from XXXX XXXX XXXX. I never heard of this prior and did not see anything alarming on my credit information by my XXXX credit accounts through XXXX XXXX, XXXX XXXX and XXXX. I sent a return certified letter requesting more insight for this alleged charge. XXXX XXXX XXXX returned a few statement copies reflecting my name with the address of a XXXX XXXX XXXXXXXX about XXXX miles away from my current residence. I did own a home XXXX miles from that area until XXXX, but it seemed coincidence. 
Today, XX/XX/XXXX, I looked deeper into the XXXX XXXX credit information with XXXX  that indicated there was a credit inquiry by XXXX XXXX on XX/XX/XXXX. It was about the time I made a purchase from XXXX for tires and wheels for $ XXXX I actually took a XXXX payment offer through XXXX  that was paid off early. Originally I thought the whole ordeal was taken off my name only, but now that I see the bank made a connection on my SSN, this is deeper fraud including identity theft.