davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-24
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. (NC)

I settled an account on showing on all three of my credit reports on XX/XX/XXXX with XXXX XXXX. I contacted Experian on XX/XX/XXXX to show them the account with XXXX XXXX has no amount due because I settle the account for a lesser amount and XXXX  XXXX stated the account should no longer be showing a charged off status. I disputed the account for the same reason within the 7 days before disputing again and attaching my settlement email from XXXX XXXX. I submitted the email documentation but instead experian will not update the account to show its true status. Its no longer charged off or have a past due amount. This is affecting me getting a rental and they wont remedy the situation on their end.
Consumer complaint received 2022-11-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (GA)

I signed up with ( NetSpend ) and I called and deputed a transaction..I got banned from using NetSpend then they took 30 days then I got a paper in mail saying that based on the information they had and the facts of their investigation, they found that an error had occurred and my claim was valid for the amounts of the dispute I had filed ... now they are still saying that I can not use NetSpend and that my money is there but they have no way of giving it to me. They keep making excuses but it's been at least 30 day or more process with them. I need to know what to do to get my money.
Consumer complaint received 2022-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I, XXXX XXXX am writing this complaint today about my XXXX XXXX account that is reporting inaccurate information across all 3 credit bureaus. The account is posting as an delinquent account however, on my account all payments on this account since I had it from the beginning of XXXX have been on time with no late payments however, there is a 30 day late payment reporting for XX/XX/XXXX that is incorrectly reporting. I have never missed a payment o this card and I need this fixed as I am going for a mortgage loan and this incorrect information on my report is severely hurting my score where I can not get approved for my dream home
Consumer complaint received 2023-03-27
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)

This is my 14TH 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 alleged fraud or extortion. 
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 2019-03-20
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAINE & WEINER COMPANY, INC. (CT)

Auto insurance due to progressive / Caine & Weiner. 
XX/XX/2019 at approximately XXXX EST I called in attempt to settle a debt for {$83.00} with debt collectors Caine & Weiner of California . I didnt have the funds and would call back later that day. Second contact being XXXX XXXX at that time before making payment I mentioned that I didnt feel comfortable providing payment unless I received immediate confirmation/ receipt following the transaction with rep. I was then transferred to rep assistant manager she assured me that I would receive receipt following transaction CONCEALING that it would take some business days to receive that via mail. After payment I asked for receipt and thats when it was disclosed to me that I wouldnt be getting confirmation till later sometime this month I then continued to say That i will call my bank and dispute the transaction if I didnt receive a receipt. Floor manager then contacted me at XXXX XXXX   XX/XX/2019 ( XXXX accent ) and used DECEIT by stating that what was once and offer ( deletion of the debt after payment ) could be easily taken away also became very condescending in attempt to keep me from disputing the charges ( ALL CALLS WERE RECORDED ) to prove this. 
Which is in violations of my rights 15 U.S. Code 1692e. False or misleading representations or deceit ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer XX/XX/XXXX XXXX XXXX same floor manager contacts me in response to an earlier call where I asked for a receipt. And said you mentioned you were going to call your bank so I cancelled the transaction and frankly the deletion of the account was courtesy so why do you want to do? VERY AGGRESSIVELY XX/XX/XXXX XXXX XXXX est I felt with manager XXXX to mediate the situation and mentioned she could only provide a paid in full following the violation to my rights and XXXX COMPLAINT XX/XX/2019 XXXX XXXX est spoke to operations manager after another attempt to settle and made clear that they were in violation of my rights and I would like for them to disclose how I could file a formal complaint he then Said send me a letter to P.O. Box and Ill see about it and asked to speak to a superior which he then responded in not transferring you we can do this all day all while being very dismissive. 
Made little to no effort in solving the situation instead he escalated it more.
Consumer complaint received 2020-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Block, Inc. (KS)

On XX/XX/2020 at XXXX I began receiving alerts from my bank about transactions that were hitting my checking account. The fraudulent transactions were originating from something called CashApp. I had four transactions successfully go through my checking account for about {$200.00}, the rest of the attempts were declined by my bank. I have never used CashApp and did not know what this was until this event occurred. I disputed the charges with my bank and they are in the process of investigating the charges. On XX/XX/2020, I received via US mail a Visa debit card from CashApp with my full name, a debit card number, CVV number that I did not request. My complaint is that I have searched the internet for contact information for CashApp ( owned by Square ) and they explicitly state there is no phone number that you can call and talk to anyone. You have to use their app to contact support. I do not have an account with CashApp and therefore can not use their appt contact support. I have no way of canceling this Visa debit card they have issued because I can not contact them. How can this be? How can they issue cards in someone's name from a fraudulent transaction and are not required to have a way for consumers to contact them outside of the to resolve the situation? I have no idea what this debit card is tied to and no way to contact them to get it canceled. The fine print on the card says issued by XXXX XXXX. I tried to call them and all you get is a recording that live support is not supported and that you have to use the app. Are you kidding me? Something is not right here and this company and bank issuing these cards ( XXXX XXXX ) needs to be investigated. How in this day and age are allowing consumers to be taken advantage of and we have no recourse.
Consumer complaint received 2022-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

XXXX CLOSED I filed a complaint against Capital One credit card. They continue to pilfer money from my acct. The case # above is the complaint I filed. You ruled in their favor saying they didn't owe me {$80.00} BUT -- -- -- when they investigated they did put back {$80.00} into my acct and sent me a letter apologizing for the fraud. 

With that being said, I'm sending you screen shots. They reimbursed me {$80.00} but they did not reimburse me {$48.00}. That is the amount that was missing when I made a payment of {$200.00}. 
AND -- -- - a few days ago, XXXX refunded me {$53.00}. That too was not put back into my available credit, nor was it taken off what I owe them.
Consumer complaint received 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX XXXX XXXX  in XXXX XXXX has fraudulently place {$800.00} dollar into collections. I moved out after giving notice to do so regarding a water leak they kept ignoring for weeks. After giving them notice of my intention to move out they asked to come fix the problem. I told them I would have to be home for the repair and we scheduled it for the next day. They decided to come to my apartment while I was not there and did a quick fix and did bother covering my furniture and electronics leaving drywall dust everywhere. Even with my notice via email and in person, they still decided to say I owed {$800.00} over to them. 

XXXX at XXXX XXXX XXXX was also given notice prior to my moving out and still sent {$1100.00} over to collections.
Consumer complaint received 2022-11-10
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. (NJ)

The unverified items indicated below, continue to report on my credit report despite several written requests, in violation of federal law. I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXXXXXX 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 2018-06-15
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 — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (NY)

I have a loan with BEST BUY/CBNA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and BEST BUY/CBNA with no successful resolution. XXXX is the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
Consumer complaint received 2022-02-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NH)

XX/XX/XXXX Bank of America Today my debit card was denied for the third time since I started my trip from NH to Florida, which started in XXXX XXXX. The first encounter was in XXXX. and after contacting them they understood my situation and told me that they would put a note on file. A simple understanding. Then in western part of Florida it happened to my wife and I again, called them and they unlocked the account. Today my wife was declined for a gallon of milk, and of course when we returned to the rv site my wife could not log in to our account. She also tried several times to call, but the system did not see the account. I tried and after several attempts got through there very unfriendly automated system got through to a real person. I might add very nice and understanding, well of course. Well after some time with her she saw the transaction and other issues for the day. She said that I would need to speak to another department to resolve it. I was transferred, and that took some time and went through the whole thing again, once completed, I was told the account was closed due to a corporate decision. I was shocked, 20 plus years no reason nor any advanced notice. Now I wanted to know about the funds I had between savings and checking which I might add a substantial amount and everything I have. Being on vacation with nothing is no way to treat a long-time customer. I was told to me that he would put in request to release funds to another location of my choice within 1 to 5 business days. Now what pan handle!
Consumer complaint received 2022-01-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC (FL)

XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX XXXX FL XXXX TODAYS DATE : XX/XX/XXXX CAPIO XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 o
f this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CAPIO XXXX CAPIO XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX, FL XXXX
Consumer complaint received 2022-02-24
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: Experian Information Solutions Inc. (TX)

I requested that Experian investigate and remove this account because it is inaccurate and inconsistent, and I am entitled to a 100 % ACCURATE credit report. They said that the company said this account was verified, but they failed to properly investigate and remove this inaccurate item
Consumer complaint received 2022-01-21
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP (OH)

On XX/XX/XXXX of 2020 I was notified that my US Bank Focus Card had a fraudulent charge and was deactivated. I was told a replacement card would arrive within 2 weeks. I waited until XX/XX/XXXX before calling the US Bank Focus Card hotline because I knew that the holidays would slow down the shipping. When I called I was notified my card hadn't even been sent but that a new one had been sent with expedited shipping and would arrive by XX/XX/XXXX. It is now XX/XX/XXXX and my card still hasn't arrived. I called the hotline again and was told the card hadn't even been mailed yet. It's now been a full month I haven't had any access to my funds and it is all due to the incompetence of this financial institution. I would very much appreciate it if something could be done to not only ensure I haven access to my funds but to also ensure those in charge of the US Bank Focus Card can't XXXX  over any other people.
Consumer complaint received 2022-01-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

XX/XX/XXXX - I received a text from " Wells Fargo Fraud Alert asking if I attempted a {$3500.00} XXXX transfer '' I did not get a chance to reply to the text as within minutes I received a call from " Wells Fargo '' ( the caller had hidden their actual phone number and replaced it with the actual 1-800 number on my Wells Fargo card ).

The caller identified himself as XXXX XXXX with Wells Fargo, badge # XXXX. 
The caller then walked me through the process of filing a claim with XXXX for these fraudulent transactions ( {$1000.00} & {$2500.00} ). 
Once complete, the caller told me I would receive an email from Wells Fargo with a link & instructions for resetting my username and password within 30 minutes. 
When I never received an email, I called Wells Fargo and told the rep I needed to speak with someone regarding the fraud case that was just opened an hour ago. 
This is when I was informed there is no fraud case open on my account. which is when I realized the whole " filing a claim with XXXX '' was actually the scam. 

XX/XX/XXXX I opened the first claim with Wells Fargo regarding this unauthorized Electronic Fund Transfer. 
Wells Fargo claimed they have no responsibility because XXXX is a separate entity XX/XX/XXXX I escalated my dispute to the " escalations team '' at Wells Fargo XX/XX/XXXX Wells Fargo Corporate complaints department denied my claim for same reason. I disputed their findings and sent them a link to the CFPB FAQ page " Unauthorized EFTs '' Question # XXXX XX/XX/XXXX - Wells Fargo emailed me that they have completed their review and agree with previous finding they are not responsible. 
XX/XX/XXXX - I disputed this resolution again and asked if they read the info from CFPB. The agent I spoke to asked me to email the info directly to her. XXXX XXXX. 
I did, which opened a new Case number for my dispute. 
XX/XX/XXXX - I received an email from the new person handling my dispute which again says Wells Fargo is not responsible for XXXX transfer scam and they consider case closed. 
XX/XX/XXXX - I replied to email with a link to CFPB FAQ page and screenshot of " Unauthorized EFTs # 5 answer and " example '' ) I also left him a voicemail to call me to discuss
Consumer complaint received 2022-01-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (CA)

AMSHER COLLECTION SE was notified of their mistake in placing a debt on my credit report that was not mine. They did not provide proper notification per the FDRA before they placed this item on my credit. Had they done so they would have been notified that this debt is not mine and proper means to show proof would have been presented to them. AMSHER COLLECTION SE after being notified of their mistake ran my credit again and put the debt on my XXXX and XXXX reports twice on each report. This happened after my first complaint to the consumer finance department and my letter sent to them directly
Consumer complaint received 2022-02-24
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: Experian Information Solutions Inc. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROMMY CREDIT REPORT : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-01
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. (GA)

This is my fourth 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 alleged fraud or extortion XXXX P XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, P ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX PL XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; ALXXXX 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