davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-03-26
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (GA)

I have tried to request my annual credit reports from all three credit reporting agencies. ( XXXX, Experian, & XXXX ). After asking for my general information, and my social security number, date of birth, etc., I was asked XXXX or XXXX questions about my checking account, if a home i currently live in or did live in is in a specific town, if i worked at a certain company, etc. I went through this XXXX ( because it timed out both times ) but the XXXX time I had a problem because I had to look for the deed to my home, to see the exact year it was built, the question was ridiculous. It asked the year it was built, not the approx. year it was built, but the year it was built. I bought the home in XX/XX/XXXX. It was built ( i have since found out ) in XX/XX/XXXX. I knew it was around then, but not exactly that year. The answers to the questions were : XX/XX/XXXX-XX/XX/XXXX or XX/XX/XXXX-XX/XX/XXXX. I mean, if i was guessing, which is what i would have been doing, it could have gone either way XXXX XXXX??? it ends up i can not get my reports on line now. I am very upset about this. The people generating these questions should think a bit before putting them out there. I recently had to answer a question for my bank and it was about a cousin of mine and if he owned land in some state, I havent even seen him in years. It is ridiculous. 

regards
Consumer complaint received 2021-10-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (NJ)

A cashtag participant created a fake profile similar to a business which led to the transfer of funds to his account to the incorrect account. I informed the cash app immediately and no action was taken to stop the pending payment. As per the cash app disclosures : You may select a unique alpha-numeric name to identify yourself on the Service ( a $ Cashtag ). You may not select a $ Cashtag that misleads or deceives others as to your business or personal identity or creates an undue risk of chargebacks or mistaken payments, As per this portion of the disclosure, the individual on cash app was able to create a cashtag ID similar to a business to allow the misapplication of funds. Cash app allowed this misleading behavior and when informed did nothing to stop the transfer of funds. 

6. Peer-to-Peer Service Payment Amount Limits If youre sending large amounts of money over the thresholds described here, you will need to provide an additional ID so that we can make sure you are who you say you are. 

We will require you to provide us with additional identification information if you wish to send more than XXXX XXXX dollars ( {$1000.00} ) ( in any one transaction or in multiple transactions ) over any thirty ( 30 ) day period or to receive more than XXXX XXXX dollars ( {$1000.00} ) ( in any one transaction or in multiple transactions ) over any thirty ( 30 ) day period. Square may impose other limits on the amount you can send in any one transaction or in multiple transactions over any seven ( 7 ) day period, subject to some restrictions. We may adjust these limits at any time at our discretion. 

Furthermore, the transaction amount sent via cash app should have been verified as per the above policy. The total amount transferred required additional verification by cash app and this was not performed. 

The terms and service descriptions clearly indicate that cash app did not follow their of service in protecting individuals transferring funds on their platform and continue to deny the fraud that was demonstrated in my case. I am requesting a full refund of the funds that were stolen from me.
Consumer complaint received 2017-02-15
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: GOLD KEY CREDIT, INC. (FL)

When I called this business I requested a professional license number and some form of written validation of their legitimacy. I was told to search them on the internet. They even refused to give me their street address. They claim that due to privacy laws they can not disclose any information about their business unless I provided my address and date of birth. I do not feel comfortable with this. Also, when I refused to give out my personal information I was told these are time sensitive matters and I will only be delaying the issue at hand. This felt like a threat.
Consumer complaint received 2023-05-10
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: Affirm Holdings, Inc (FL)

AFFIRM CASE ID # XXXX My personal information was used without my permission and used to open AFFIRM loan account and is now in collections. I discovered this fraud and emailed AFFIRM the requested affidavit fraud form. They have not responded within the promised XXXX hour time frame. The account has caused my fico scores to dip significantly and I am requesting for AFFIRM to immediately rectify the error and delete the fraud accounts from XXXX and XXXX XXXX and XXXX.
Consumer complaint received 2017-03-01
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Ditech Financial LLC (AZ)

In mid-XX/XX/XXXX of last year, XX/XX/2016, I took a cash-out refinance with XXXX. The title company was XXXX. The closing disclosure contained a 'clerical error ' that was caught hours before the loan was to close and long after the signed and notarized documents were received by the Title and Lender. Having been informed at the last minute of this {$1000.00} error, not in my favor, I was forced to sign a revised CD. Now, it turns out that my previous lender, Ditech, did not receive the full payoff amount from the title company. Unbeknownst to me until I pulled my credit report last week, ditech has been reporting me to the credit agencies and levying late fees etc ... I have called and left VM 's and emails, but Ditech is not responding. I need to know how short the payoff amount was and why this happened. I especially need to know where Ditech has been sending my bills and other correspondence. I will ultimately request that they waive any late fees, interest, etc ... that have accrued since the 'payoff ' and that they immediately communicate with the credit agencies to get these negative reports removed. Please contact Ditech and any of the other listed parties that held a fiduciary duty to me as the consumer through that refinance. 

Thank You! 

XXXX
Consumer complaint received 2015-12-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (MT)

I am writing to dispute the status and terms of XXXX student loans I used to have. The first is listed as XXXX, and has an account number of XXXX. The amount is currently listed as {$6400.00}. The second is listed as XXXX, and has an account number of XXXX. The amount is currently listed as {$7300.00}. I have no loan with either XXXX or XXXX with a balance at this time. All are closed with a {$0.00} balance. 

Both of these accounts are actually paid-in-full, closed, with {$0.00} balances. I have attached the letters that I received from both XXXX and XXXX. However, Experian continues to report them incorrectly with incorrect status and terms. The creditor states that they have updated Experian 's records, yet this does not occur. I try to dispute them with Experian, but Experian states that I have used my " maximum number of views '' and therefore I can not view the report that I must initiate a dispute off. Of course, I can if I pay Experian, I am sure to be allowed to view a credit report so I might fix their error. I would like these accounts updated to reflect the actual account terms and status or removed from my credit report altogether. These credit reporting companies really restrict an individual 's access in order that they can not easily or quickly correct an error on their credit report. Thank you.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WI)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that was in fact paid on time. The consumer reporting agencies have a responsibility to report all information with complete accuracy. This account has not been late on payments I've attached a cope of my report to this complaint on the following dates ( XX/XX/year> and XX/XX/year> ) I'm now requesting that you investigate and provide verifiable proof with records showing that I had late pavments. If this information can not be verified I demand that these late payment be updated to paid on time immediately. Thank you for your understanding and prompt action. 


15 US CODE 1666B ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2023-04-24
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. (TX)

XX/XX/2023 - The XXXX and XXXX account numbers are not matching and are to be deleted. 
Per 1

5 U.S.C 1681c. ( a ) ( 5 ) delete record due to the high balance do not matching. I pointed out that record is inaccurate and per 15 U.S.C 1681 Section 604 A Section 2 : as a consumer the reporting agencies do not have my written instruction to publish records.
Consumer complaint received 2023-04-24
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)

XX/XX/2023 - The TransUnion and XXXX account numbers are not matching and are to be deleted. 
Per 15 U.S.C 1681c. ( a ) ( 5 ) delete record due to the high balance do not matching.

I pointed out that record is inaccurate and per 15 U.S.C 1681 Section 604 A Section 2 : as a consumer the reporting agencies do not have my written instruction to publish records.
Consumer complaint received 2016-05-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (HI)

We bought a property n lender sold the loan to another company and did not clear the deed we stuck ca n't refinance did loan mod went on trial payment for six month n lender ca n't finalized my mod due to the original co.put a lein on my property n company no longer exist servicer advice us to file chapter XXXX and applied another loan modification and did that got discharged and now trying to apply another mod and servicer said we 're not qualified because we were late for 40 months now our house is on foreclosure what shall we do?
Consumer complaint received 2015-10-05
Product: Prepaid card — ID prepaid card
Issue: Fraud or scam — 
Company: Blackhawk Network Holdings Inc. (IL)

On XXXX XXXX, 2015, I purchased a Reloadit Pack and loaded XXXX onto the card to later transfer onto my son XXXX XXXX card the OnlyXXXX Visa loadable card. I contacted the Reloadit customer service at XXXX. I spoke with the first person out of at least XXXX foreign speaking reps., they gave me the run around like I have never experienced. I contacted the company XXXX XXXX and asked what I needed to do if anything on my end. XXXX XXXX told me that they are no longer doing business with Reloadit. I called Reloadit back and asked to speak with a supervisor. Supervisor denied knowing anything about XXXX XXXX discontinued there relationship with them. Supervisor asked wait ANOTHER 4 hours to see if my money would transfer, mind you this is the 3rd time I have been asked to wait a 4 hour period. The money was not there again. I called back again and spoke with another rep., and was told to go purchase another prepaid card of any type. I called them back and gave them the card numbers and I was told they were not compatible that I needed to go purchase a specific card! I called back and asked to speak to another supervisor. He told me that I had to wait for another 4 hours. At this point I believe they are operating under a scam. Blackhawk Network is the owner of this operation. They do n't answer their phone. XXXX. 
A list of names I spoke with in less than 24 hours : XXXX, XXXX, XXXX, XXXX, XXXX XXXX and a list of other names )
Consumer complaint received 2023-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listed XXXX XXXXXXXX
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

**Complaint Regarding Credit Reporting by XXXX XXXX XXXX *Date : * XXXX XX/XX/year> *Loan Number : * XXXX *To : * Consumer Financial Protection Bureau ( CFPB ) *Subject : * Inaccurate Credit Reporting by XXXXXXXX XXXX XXXX I wish to file a formal complaint regarding the erroneous credit reporting related to my loan, number XXXX, by XXXXXXXX XXXX XXXX on XXXX XX/XX/year> XXXX This inaccurate report was sent to at least one credit reporting bureau and contains the following issues : 1. **Incorrect Loan Balance : ** The report indicates an incorrect outstanding loan balance of {$440000.00}. This figure does not reflect the actual amount owed on my loan. 

2. **Incorrect Account Status : ** The report also states that my account is past due, despite there being no missed or late payment for the month of XX/XX/year>, as evidenced by XXXX XXXX own payment system on XXXX XX/XX/year>, where no payment was recorded as overdue. 

3. **Violation of Forbearance Agreement : ** The current reporting fails to acknowledge the forbearance agreement in place with XXXX XXXX XXXX XXXX The erroneous reporting disregards the terms of this agreement, which directly affects the accuracy of the credit report. 

I kindly request immediate correction of these inaccuracies and confirmation of the updated and accurate reporting to the relevant credit reporting agencies. 

Yours faithfully, XXXX XXXX XXXX
Consumer complaint received 2023-11-03
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: FinCo Services Inc DBA Current (FL)

I got a rental car from XXXX XXXX XXXX XXXX in XXXX FL, my total price for the rental was supposed to only be {$1200.00} total because I had the rental for 2 months and under the corporate agreement code I had, I was to be charged no young driver fee, and I was supposed to get a rate of {$600.00} flat per month, XXXX ended up charging my credit card over {$2900.00} total which is not the price that I agreed to at all. When reaching out to XXXX they were extremely unhelpful and told me to reach out to my bank for resolution. Current always claims to investigate these claims but denies every single one of them. I want my money back. All {$2900.00} worth, I did not consent to being charged more than {$1200.00}, therefor these funds were stolen and the bank is refusing to assist.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-07-04
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. (TX)

This is my XXXX 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 Balance : {$0.00} XXXX XXXX Balance : {$6300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX  XXXX Balance : {$6300.00}
Consumer complaint received 2023-11-02
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (AL)

There was a old balance reporting on my credit report by Credence Resource Management in the amount of {$270.00}. It was not impacting my score, but I decided to pay it. I called to settle the amount, and was told I had to pay with the original creditor. This was done XX/XX/23 in full. Credence stated the process to remove this from my report takes XXXX weeks. I have made at least XXXX calls to the company any and have been shuffled around. Since paying the amount owed ut negatively impacted my credit score  by XXXX points. I have suffered a tremendous drop in my score and credit worthiness as a result of this company 's lethargic process and anemic efforts to remove this and help. Each individual I have spoken with have shown little to no effortor concern to remove this.I last spoke with the creditor and the collection agency on XX/XX/23. The creditor indicated the balance is a XXXX balance and that communications had been sent to the collection agency on XX/XX/23 to delete and remove the mark from my credit report. I spoke with XXXX XXXX, a XXXX of Credence Resource Management LLC on XX/XX/23 and on another occasion. Even though he did his best assist, he also informed me of other news. I was informed that EVEN THOUGH CREDENCE RESOURCE MANAGEMENT LLC, IS ABLE TO SEE THE BALANCE HAD BEEN PAID IN FULL AND IT NOW HAD A XXXX BALANCE, THEY WOULD NOT DELETE IT FROM MY CREDIT REPORT UNTIL THE CREDITOR PAID THEM OR IT WAS ( UPDATED ). I asked why must I continue to be held hostage while the creditor and collection agency resolve their business agreement. The creditor states there was nothing more for them to do. The debt collection company refuses to budge and remove the blemish on my credit report causing damage to me, my credit worthiness, and any potential job opportunities that review credit as a criteria for positions. I have suffered damage, and harm. The collection agency refuses to do their part and remove the negative mark from my credit report, evn though they admitted seeing it shows paid and with a XXXX balance. The collection agency has been uncooperative, unwilling to assist, and continue to report a debt that has been paid which is a direct violation of the FDCPA.