davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-10
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: LEXISNEXIS (VA)

I have filed dispute after dispute and also suppressed my records with LexisNexis due to them reporting inaccurate information in my public records and stating that the pacer service center provided this information. This is pertaining to a bankruptcy that I filed in XX/XX/XXXX and it was closed on XX/XX/XXXX and it was dismissed not XXXX LexisNexis verified this information as accurate when it fact it is not accurate an causing total harm to my credit file. So I contacted the XXXX XXXX XXXX and was able to obtain proof from them that this case was in fact dismissed and not granted a discharge and they also provided documentation. Case I.D . XXXX Debtor Disposition : Discharge Denied Pending status case closed Flags : Repeat CLOSED Filed : XXXX XXXX Upon speaking with LexisNexis after my identity was verified it was stated to me that they dont even have this bankruptcy on file and neither did they report this to XXXX because my information is suppressed so they couldnt verify I am attaching proof of my address a bill and my drivers license I want this issue fixed and they continue to go back in forth when I have information from the Pacer service center providing correct information
Consumer complaint received 2022-11-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Atlas Credit Company, Inc. (TX)

Hello, My loan was due on the XXXX of this month. I did not contact them until today. I was laid off at the end of XXXX and expressed that to them. My complaint is that since they were not able to contact me via phone the company will go to your home in an effort to collect. I am NOT even 30 days late. I reached out to corporate and stated that the action was unethical and to NEVER come to my home again.
Consumer complaint received 2022-11-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Accscient, LLC (GA)

Nationwide Recovery Services uses dozens of phone numbers that you can not pin down which one they call from, I know I've blocked at least a dozen or more personally. They have called while I am at work and can not be disturbed by it and have called on weekends. I have seen them call at least 5 times per day, with different numbers and different operators from the exact same company.
Consumer complaint received 2023-07-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (KS)

I have contacted Experian by phone and email several times. I have received a response every time but the responses arent answering my question. My question is, why doesnt Experian allow car insurance payments to qualify for their boost program? I was told, sorry unfortunately we do not allow car insurance payments to qualify for our boost program. Ive been told that maybe in the future they will start allowing car insurance payments to qualify. But my question is not being answered, its being ignored. 

I know what bills qualify for boost. Allowing luxury spending bills such as XXXX to qualify but not allowing necessary and required monthly car insurance payments/bills makes no sense to me. That is why Im asking, Why dont car insurance payments qualify? 

Thank you.
Consumer complaint received 2022-11-24
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. (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 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX has violated my rights. 

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 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-24
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. (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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-24
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. (FL)

The moment I received the duplicate of my report that I purchased with XXXX dated XXXX, I immediately called your department since I saw some UNVERIFIABLE items on my personal profile. I discovered that there were COLLECTION and INQUIRIES accounts on my credit report. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud items on my credit report all this time as well as this incorrect information on my personal profile on my personal profile but still youre not taking any actions. I have never with these items listed below, so please help me remove these collection and inquiries accounts. A copy of my Utility Bill, drivers license, and Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau XXXX and the XXXX XXXX XXXX XXXX 
Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my Drivers license, SSN and current Utility Bill as verification of my ONLY address. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-24
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. (SC)

I CONTACTED THE THE XXXX  AND XXXX XXXX AND THEY HAVE FAILED TO RESPOND! I ALSO SENT THE NOTICES TO THE CONSUMER REPORTING AGENCIES XX/XX/XXXX to which they received on XX/XX/XXXX TO WHICH THEY HAVE FAILED TO TAKE ACTION IN A FAIR AND EQUITABLE WAY! I followed up with a demand to comply on XX/XX/XXXX that was received on XX/XX/XXXX! THEY ARE FAILING TO RESPOND AND CAUSING SO MUCH HARM TO MY REPUTATION! THESE NEGATIVE MARKS AND DEROGATORY ACCOUNTS NEED TO BE REMOVED IMMEDIATELY! IF SOMETHING IS NOT DONE WITHIN THE NEXT 10 DAYS I WILL BE FILING LAWSUIT AGAINST THE CRAS ALONG WITH THE CREDITORS AND DEBT XXXX FOR DEFAMING MY CHARACTER!
Consumer complaint received 2022-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I'm requesting XXXX be done on these accounts because it was not done properly. These accounts can not have been properly investigated because they are Closed accounts being reported as Open month after month. This is a violation of my federally protected rights and it is wrong for the Credit Bureau to allow these companies to continuously report these accounts delinquent every month. This is knowingly reporting Inaccurate information every month, therefore it must be deleted. That's why I'm asking for a reinvestigation In Accordance With the Fair Credit Reporting Act of these accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, which i did not give them. 15 USC 1681 Congressional findings and statement of purpose. 1681i, Procedure in case of disputed accuracy. ( 2 ) Prompt Notice of Dispute to Furnisher of Information ; ( 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, or modify that item or information, as appropriate, based on the results of the reinvestigation ; and ( ii ) Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 15 U.S.C. 1681i, Procedure in case of disputed accuracy. ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( d ), the person that provided the information in dispute to a consumer reporting agency shall ( iv ) If the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency and correction to that information that is necessary to make the information provided by the person accurate. These accounts are not accurate and they must be deleted.
Consumer complaint received 2023-07-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Self Financial Inc. (GA)

Hello, alleged creditor " Self '' is reporting an account to my consumer report that was not authorized by me. I have never done business with this alleged creditor. I have no knowledge of this alleged debt, I do not consent for this alleged creditor to house, share, or benefit from my public/private information in any way. I dispute the validity of this alleged debt. Please provide proper 10 proof verification per FCRA and FDCPA federal reporting guidelines for proper validation of this alleged debt. Please provide me with an audit trail and the original signed contract. Please cease and desist any/all communication with me and my personal information I do not consent.
Consumer complaint received 2018-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Over 2 years ago, this account began incorrectly reporting a 30 day late and more recently, it was incorrectly charged a fee, for not having auto insurance on file after I had demonstrated proof of coverage. After providing the new insurance information, I was assured the overage would be credited to my account and ALL fees, incorrectly charged, would be waived. I was recently denied a mortgage and upon pulling my report I noticed that my score has dropped drastically, due to 26 months of this account reporting as 30 days late.
Consumer complaint received 2022-11-10
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BARCLAYS BANK DELAWARE (NY)

I OPENED A SAVINGS ACCOUNT WITH BARCLAYS XXXX XXXX ON XXXX XXXX AND FUNDED THE ACCOUNT WITH MOBILE CHECK DEPOSIT OF {$4600.00}. THE CHECK WAS PLACED UNDER REVIEW AND LATER APPROVED FOR PROCESSING. 

FEW WEEKS AFTER THE CHECK WAS CLEARED, I TRIED TO MAKE A WITHDRAWAL BUT THE FUNDS WAS FROZEN. CALLED CUSTOMER SERVICES AND SUBMITTED ALL REQUESTED DOCUMENT BUT FUNDS STILL COULDN'T WITHDRAW. 

CALLED BACK BUT CUSTOMER SERVICE SAID THEY GON NA CLOSE THE ACCOUNT IN 10 BUSINESS DAYS AND TRANSFER THE FUNDS TO THE LINKED ACCOUNT. OVER A MONTH ON IT AND THE BANK IS STILL HOLDING ON TO MY FUNDS WHILE DENYING ME ACCESS TO IT. 

COMPLAINED TO XXXX BUT NO SOLUTION. THE BANK SAID THE CHECK MAY NOT BE VALID OR FRAUDULENT BUT THEY REVIEWED AND APPROVED IT WHEN DEPOSITED AND THE CHECK CLEARED WITHOUT COMPLAIN FROM THE OTHER BANK. 

THE BANK IS REFUSING TO CLOSE THE ACCOUNT, REFUSING TO REVERSE THE FUNDS, REFUSING TO MAIL A CHECK, REFUSING TO TRANSFER THE FUNDS TO THE LINKED ACCOUNT. 

THE FUNDS DOESN'T BELONG TO THE BANK AND THERE IS NO COMPLAINT ABOUT THE FUNDS BUT I CAN'T UNDERSTAND WHY THE BANK IS SO DESPERATE TO EMBEZZLE THE FUNDS.
Consumer complaint received 2022-11-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Applied Data Finance, LLC (MI)

On XX/XX/2022 I received a collection call from Personify advising I am past due on my payment due XX/XX/2022. I made my XX/XX/2022 on XX/XX/2022. I have asked the company numerous times what warrants them the ability to make collection calls on a timely made payment, they could not advise it. I told them I have already made a complaint the attorney generals office on a prior collection call on a timely made payment and wanted to know what law allows them to start the collections process on a timely made payment, I was told they don't have that information. 

All I have been told is that if I make a timely payment 5 days or greater before my due date, it supposedly is considered an additional payment for the prior month. I was told if I want to make a payment 5 days or greater before my due date, I would need to call to reapply it to the loan. This is an unacceptable business practice, and it's against the law to start collection calls on a timely paid account.
Consumer complaint received 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OR)

Response from Experian is a violation of FCRA. Initial request for reinvestigation was NOT XXXX XXXX! 

XXXX XXXX XXXX was the initial request for reinvestigation that was ignored and again on XX/XX/2022 that was previously investigated and deleted!
Consumer complaint received 2023-03-27
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: EQUIFAX, INC. (NY)

I am filing a formal complaint regarding the violation of my rights and the Fair Credit Reporting Act by the consumer reporting agencies. As a natural person, I have federally protected consumer rights to privacy and confidentiality under 15 USC 1681. However, the following accounts were furnished to the agencies without my written instructions, and I demand their immediate deletion : XXXX XXXXXXXX XXXX The consumer reporting agencies are governed by 15 USC 1681, and their violation of my rights several times is unacceptable. As per 15 U.S.C 1681 section 602 A., I have the right to privacy, and Section 604 A Section 2 states that consumer reporting agencies can not furnish an account without written instructions.

Additionally, 15 U.S.C 1681c. ( a ) ( 5 ) Section States that no consumer reporting agency may make any consumer report containing adverse information other than records of convictions of crimes that antedate the report by more than seven years. Moreover, 15 U.S.C. 1681s-2 ( A ) ( 1 ) states that a person shall not furnish any inaccurate information relating to a consumer to any consumer reporting agency. 

I demand that these accounts be removed immediately, as the consumer reporting agencies have violated my rights.
Consumer complaint received 2020-03-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (PA)

I signed up for a Square Cash/Cash App account back in XXXX, and my account has been in good standing ever since. 

I noticed over the weekend ( XX/XX/XXXX-XX/XX/XXXX ) that my Cash App card stopped working. After opening the Cash App and going to the Support page, I saw a message saying, " Your Account is Closed '' and " We're really sorry but it looks like your account is in violation of our Terms of Service. ( https : //squareup.comXXXX ). '' I read the Terms of Service, and my account is not and has never been in violation of the Terms of Service. I tried to speak with a representative about this by calling the number on my Square Cash Card ( XXXX ), as well as the number specified in the Terms of Service ( XXXX ), and both numbers played recordings saying to contact support through the Cash App. 

On XX/XX/XXXX, I contacted support through the Cash App as indicated, requesting that my account be reinstated and offering any additional information that might be needed. I received an immediate auto-response by email as follows : -- - Hello XXXX, Your Cash account has been closed and can no longer send or receive payments. 

Reasons for this decision may include your account history, transaction disputes, or other violations of the Cash Terms of Service [ https : //cash.appXXXX ]. 

Unfortunately, we can not provide further details regarding our decision, which is final. We are unable to reactivate the account. 

If you have a stored balance, you can Cash Out the funds. If you have any issues, we recommend that you link a previously used or a new card/bank account. 

To Cash Out : 1. Open the Cash App and tap the dollar amount in the bottom left corner 2. Tap Cash Out > Confirm the Cash Out amount 3. Funds will deposit in 1-3 business days. 

We appreciate your understanding and cooperation with this matter. 

Thank you, Cash Support
Consumer complaint received 2020-02-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (NC)

My name is XXXX XXXX and I am the pastor of XXXX XXXX XXXX. We use cash app to process and receive contributions from our members our cash app tag is $ XXXX ( XXXX ) We have over {$2800.00} in our cash app account and unable to retrieve these funds. We have tried contacting cash app but have not received any results. These funds are given from church members. We need these funds to operate our church.
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: EQUIFAX, INC. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXX  to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

This is XXXX XXXX submitting this CFPB Complaint to follow up the previous CFPB complaint I submitted last XX/XX/XXXX. I sent a letter to the Credit Bureaus on XX/XX/XXXX, requesting them to remove the following inaccurate personal information, fraudulent accounts and unauthorized inquiries : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX Balance Owed : {$140.00} XXXX XXXX Balance Owed : {$770.00} XXXX XXXX XXXX Balance Owed : {$290.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ; that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove and or block any accounts and information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # XXXX, # XXXX, and # XXXX, and I am including these fraudulent items once again.