davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Duncan Solutions, lnc. (TX)

Yet another collection attempt from this scam company. 

I disputed their most recent attempt and they never provided a response because they knew it was bogus so they follow their old tactic of changing the amount and account number and send a new letter. 

Once again, I do not have a XXXX  account, I use the other service offered in Texas and the license plate numbers listed is not mine. 

Last time I even provided them a copy of my current registration with my license plate number listed. 

The are committing fraud or at a minimum changing the amount and account numbers are XXXX violations.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OK)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX : {$140.00}
Consumer complaint received 2023-08-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (CA)

this is my second complaint and still no help i have attached the first complaint the resolution was that i should call XXXX XXXX the vice president of security operations center XXXX i have called XXXX times no one returns my call and no one picks up that phone. when i ask the other separtment to get me there they said i should not even have this number because XXXX does not speak to customers my money as been locked up since XXXX i am beyond upset and XXXX off the bank continues to make withdrawls from my account claiming they are returning funds that were not authorized with no proof of such things every fund i have ever recieved were authorized by me there is no fraud on my account or am i linked to any other account that as reported fraud i need my money the bank as XXXX for me between my savings and my checking and i am going to get help from a lawyer this issue as lead me to be behind on alot of payments in my life and caused me alot of problems
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$680.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$710.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$660.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$710.00}
Consumer complaint received 2023-08-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I just so happened checked my credit score on XXXX XXXX on XXXX XXXX at XXXX. I noticed that my score was XXXX and it dropped to XXXX, I was so upset meanwhile I contacted Capital One I spoke with two agents they both gave me different stories, long to the short I charged something for the first time. I personally called them to make the payment over the phone remind you I still never got a bill but I new that I used the card that one time and paid it now there saying I am late making payments for two months they are making up false stories I need late payments removed or close the account.
Consumer complaint received 2023-08-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Kikoff Inc. (MD)

XX/XX/2023, I realized my account with Kikoff was closed and I didnt get a notice until after it was already closed when I checked my email. I was going to pay for my copay for the eye doctors because I thought I had a scratched eye. They seized all the money I had at the time and I almost couldnt be seen to fix my eye. It wasnt for my friend I couldve went XXXX since I couldnt pay for anything and I was sitting there looking stupid. I tried calling calling there support number but it kepted asking for a card number or my ssn. The automated voice couldnt recognize neither since I guess my account was already closed. So I had to email them in which I had to wait 2-3 buisness days for them to reach back to me and it states At this time our fraud team has investigated the account and has processed a closure of the account due to inconsistent information found. We do regret to inform you that this action is permanent and will need to refer you back to your financial institution for any further action on funds sent to the account. 

We thank you for your cooperation in the investigation and wish you well on your financial journey. I find that to be crazy because I can verify all of my information. All they needed to do was contact me! As of now I dont have any money and I have to open up another account for my direct deposit. They wont give me my {$220.00} until XX/XX/XXXX. I need that money because I am supposed to be going on vacation soon. This is all an inconvenience to me and its not fair because I actually liked using them as a bank.
Consumer complaint received 2023-08-12
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. (FL)

In accordance with the fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX 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.

15 U.S.C.1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S. C.1681s-2 ( A ) ( 1 ) person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

Dear Experian, I am writing to dispute the inaccurate payment history reported for my XXXX XXXX XXXX XXXX account. According to my records, the account, which was opened on XX/XX/XXXX, and closed with a status of " XXXX in XXXX '' for an amount of {$11000.00}, was incorrectly reported as having late payments from XX/XX/XXXX to XX/XX/XXXX. The original loan balance was {$18000.00} with a payment term of 74 months. 

The inaccuracies reported on my credit report violate several provisions of the Fair Credit Reporting Act ( FCRA ), specifically : XXXX U.S.C. XXXX ( b ) - This section requires that credit reporting agencies maintain reasonable procedures to ensure maximum possible accuracy of information in credit reports. The incorrect late payment history does not comply with this requirement. 

XXXX XXXX. XXXX - This section mandates that when a consumer disputes information on their credit report, the XXXX XXXX XXXX must investigate and correct any inaccuracies. The incorrect late payments should be investigated and rectified. 

XXXX XXXX. XXXX ( XXXX ) - This section defines a credit account and requires accurate reporting of the account status. The erroneous late payments misrepresent the accounts payment history and thus violate this provision. 

XXXX XXXX. XXXX - This section outlines the responsibilities of furnishers of information to provide accurate information to credit reporting agencies. The late payments reported from XX/XX/XXXX to XX/XX/XXXX are inaccurate and should be corrected by the information furnisher, XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-09-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (NY)

CashApp is horrible in their security and support. I have had this issue of fraudulent attempts on my account for MONTHS now. 


The answer? 


BUY ANOTHER CARD even though the attempts on my account ARE NOT ON MY CURRENT CARD... THEY ARE ON AN OLD CARD THAT I HAVE NOT USED IN YEARS!!! 

Their level of support is horrendous, and the ONLY REASON I haven't been charged is because I always have my card locked because I know how horrible CashApp is ( and their support online ). 


I have screenshots upon screenshots of attempts to take XXXX here, XXXX cents there ... and even {$5.00} and change at one point. THIS IS THE SAME COMPANY THAT WANTED ME TO USE THEM FOR DIRECT DEPOSIT?!?! WHY?!?!? So I can have my money unsecured???? 


CHANGING MY CARD WOULD NOT FIX THIS ... AND WHY WOULD I HAVE TO PAY TO CHANGE MY CARD ANYWAY???? 


THEIR COMPANY IS XXXX XXXX XXXX  use it as a XXXX XXXX.. that is it and that is all. 


They have no REAL support... just humans acting as robots giving a script that has NOTHING to do with fixing my issue. 


CASHAPP IS ALLOWING FRAUD TO RUN RAMPANT WITH NO SOLUTION. When I 1st notified them, I wanted them to be aware of it and bring it up to a security team or upper management... the rep said " since no cash has been taken out, there is nothing to do '' ... 2 to 3 months later and I am still having attempts on my account ( not card because it is a different card number ) and they still refuse to look into the matter. They just keep sending the same scripts about locking my card or BUYING another card to replace this one ( even though once again it isn't even the card number they are using to get to my account ). 

I have spoken to MULTIPLE representatives and they all spew out the same script ... the preset responses they have which are the same verbage but yet has no solution to what I was telling them my issue was ... which was to bring this up to the security/fraud department and upper management.
Consumer complaint received 2023-08-31
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Google Compare Credit Cards Inc. (CO)

I am operationally hacked. Have found the hackers can not steal from GPay, although they make it DIFFICULT TO USE!!!! Often the card is not an option to chose from and is made into a credit/debit under GPay!???? Or not under the correct email account or can not transfer to the email account in question!!! Please assist in resolving this issue!
Consumer complaint received 2023-08-12
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. (TX)

I have made multiple attempts with XXXX XXXX as well as the Credit Agencies to CORRECT the INACCURATE INFORMATION from my Consumer Report! As of this Complaint, I have NOT received an Answer to the 3rd Request to XXXX XXXX regarding a specific account ( XXXX ) reporting Utilization. THIS IS A VIOLATAION OF THE FEDERL LW. More over, The Credit Agencies are Bound by the Law to MAINTAIN PRIVACY AND ACCURACY. XXXX Continues and refuses to delete and remove utilization and ARE GUILTY OF THE FOLLOWING : 15 USC 1681a 2 ( A ) ( i ) by reporting transactions and or experiences on My Consumer Report which CONGRESS states is NOT INCLUDED on ANY CONSUMER REPORTS. They further violate the following. 15 USC 1681 Section 602 A Section 2A States that I have a right to privacy. 15 USC 1681 604 A Section 2 States A Consumer reporting agency CAN NOT furnish an account without my Written instructions. I DID NOT GIVE ANY PERMSSION! 15 USC 1681c ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following terms of information ANY OTHER ADVERSE item of Information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe the information is inaccurate. They were Noticed and demanded to STOP and or Adjust the utilization. THEY DID NOT Completely ignoring the Law. I want the utilization corrected immediately!
Consumer complaint received 2023-09-22
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: J J Marshall & Associates, Inc (UT)

A collection for {$2600.00} appeared on my credit report from JJ MARSHALL ( Original Creditor : XXXX XXXX ) when I filed for a mortgage on XXXX and I do not owe this company because as of a divorce decree I was forced to move out XX/XX/XXXX, I went to the XXXX 's office and turned in paperwork stating that I was moving out and XXXX accepted it, I paid a small amount that day. I found out through a credit report pull they had put an eviction on my rental credit report and they claimed I owe {$2600.00} debt from a XX/XX/XXXX eviction. I have never been evicted and I do not owe a debt. I did not have a lease with them after XX/XX/XXXX after the divorce. I called JJ Marshall to find out what I need to do because of the identity theft, an ex spouse was renewing the lease with out my knowledge, yet XXXX knew I was removed from the lease. I was told by the collection company employee on XXXX she would need a police report to help me. I filed a police report XXXX with XXXX XXXX Sheriff 's Office police report # XXXX in order for this collector to review the case that this is not my debt and she even marked my file as " No Contact '', I did not tell her to do this, but then told me to call back the next day to speak to a manager. She was rude to me on the call. Then when I called today XXXX a man told me the manager was off and she was wrong. Also that I had to email him and he would contact me back right away if I wanted to talk to him, again he was rude and short with me, all I have been trying to do is talk about what I need to do to get this resolved and removed. I sent him the email to the email they gave me XXXX. I just want this resolved I don't need someone being rude to me, and then telling me " respect is a two way street '' and then talking over me. I sent the recorded call to my loan officer and she told me to file a complaint. It is not my account and they are hurting my credit, but they are also ignoring my dispute or lying to me. I requested a deletion letter in the email so they would notify the credit bureaus or I can. I am not about to pay a debt when I did not live there and I was never evicted. I was also never notified about this collection or this would have been handled right away.
Consumer complaint received 2023-08-31
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FIFTH THIRD FINANCIAL CORPORATION (TN)

Received a call from XXXX XXXX regarding a debt from Fifth Third Bank . I tried asking the gentleman to send proof of the debt to my current address and not the address they have on file but he refused. He then resorted to reciting my full Social Security number as a method of intimidation and threatened to sue me. I was informed the conversation was being recorded, please seek a copy of this recording as proof.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

To Whom it XXXX concern, I asked XXXX, and TransUnion to reinvestigate all disputed accounts in question on my credit file as of XXXX XXXX. I sent everything in to all three Credit Bureaus by certified mail, every document. I have asked what method was used to verify it was I that supposedly opened these accounts and I requested a copy of my signed signature with my name and address on the original contract. I did not receive anything back. My disputed accounts have been ignored since XXXX of XXXX. It's been way over the 30-day mark. By State and Government law, these disputed accounts were not removed. This is a violation of my rights.
Consumer complaint received 2023-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have made multiple attempts with XXXX XXXX as well as the Credit Agencies to CORRECT the INACCURATE INFORMATION from my Consumer Report! As of this Complaint, I have NOT received an Answer to the 3rd Request to XXXX XXXX regarding a specific account ( s ) reporting Utilization. THIS IS A VIOLATAION OF THE FEDERL LW. More over, The Credit Agencies are Bound by the Law to MAINTAIN PRIVACY AND ACCURACY. XXXX Continues and refuses to delete and remove utilization and ARE GUILTY OF THE FOLLOWING : 15 USC 1681a 2 ( A ) ( i ) by reporting transactions and or experiences on My Consumer Report which CONGRESS states is NOT INCLUDED on ANY CONSUMER REPORTS. They further violate the following. 15 USC 1681 Section 602 A Section 2A States that I have a right to privacy. 15 USC 1681 604 A Section 2 States A Consumer reporting agency CAN NOT furnish an account without my Written instructions. I DID NOT GIVE ANY PERMSSION! 15 USC 1681c ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following terms of information ANY OTHER ADVERSE item of Information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe the information is inaccurate. They were Noticed and demanded to STOP and or Adjust the utilization. THEY DID NOT Completely ignoring the Law. I want the utilization corrected immediately!
Consumer complaint received 2024-07-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Relay Financial (US), Corp. (GA)

I am an XXXX XXXX  I had a client who made a payment of {$11000.00}, but the payment was returned because the client no longer wanted my services. Consequently, my bank, Relay Financial, froze my account and funds due to the stopped payment placed by the client.

Relay Financial requested documentation, which I provided. They also requested screenshots of communication between myself and the client, which I did not provide due to a confidentiality clause. I did, however, provide my bank statements, invoices, and the client 's contact information so they could reach out to the client directly. 

Despite complying with their numerous documentation requests, Relay Financial continues to ask for more documents. I then wrote them an email stating that I am no longer interested in banking with them due to their repeated requests and the freezing of my account. I requested that they close my account and mail my funds to me, but they refused.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I recently went over my credit reports, and I noticed several incorrect and fradulent accounts on my credit file and I had to report that I've been a victim of identity theft. I Locked my credit file and disputed the items listed BELOW I am not liable for this debit. I do not have or never held a contract with the creditors Listed below after requesting information from creditors, they did provide me with the original contract as requested per 15 USC 1681a2 I did not give verbal or written permission have these accounts furnished on my credit report. After disputing this through Experian they still never sent me proof and Experian, XXXX, XXXX still presents these negative items on my credit report.

According to Section 623 ( a ) ( 6 ) If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. I asked for verifiable proof of the original consumer contract signed by me in agreement that I would pay said debtors for each of these collections account and still haven't receive any communication from either one. Listed below are the inaccurate collections accounts I want removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Also there are negative charge offs on my credit file that I have disputed as well these are bringing down my credit score and costing me thousands in interest yearly these companies listed below have canceled out said debit however company has filed it on their taxes as ordinary income loss but they are also reporting it on my credit report as debit this is INACCURATE REPORTING also they have never sent me a 1099C cancellation of debit so that I can also file this on my taxes as ordinary income this is a violation of 15 USC 1681eb which states that the consumer report must be the maximum of accuracy. 


I WANT EXPERIAN XXXX AND XXXX TO REMOVE THE COLLECTIONS ACCOUNTS AND CHARGE OFF ACCOUNTS FROM MY CREDIT REPORT THAT IS NEGATIVELY AFFECTING MY SCORE AND COSTING ME THOUSANDS IN INTEREST YEARLY.