davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-17
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. (MI)

I looked at my credit report, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

They sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate.

And according to 15 USC 1681i 5 they are supposed to do this ( 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 of 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. 

XXXX XXXX XXXX XXXX The furnisher name has violated my consumer rights according to WHAT THE LAW CLEARLY STATES : 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. 
( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. 

( XXXX ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

Delete these inaccurate accounts from my credit report.
Consumer complaint received 2021-08-18
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. (CA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-08-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Run Solutions, LLC (MO)

Please see original complaint ID XXXX, that has been closed without resolution. 

Mountain Run Solutions, a debt collector, has purchased and is attempting to collect on an an account that has been charged off or placed in Default by XXXX. 
In the course of this attempt they have committed Mail Fraud and Identity Theft ; please see the following laws : 18 USC 1341 and 15 USC 1681q ( 3 ). Referring back to the original letter to Mountain Run Solutions, there are three issue
s I brought to their attention. Their response to that letter only partially addressed one ; debt verification. 

Also, please refer to paragraph four of my letter ; if XXXX placed the debt in XXXX or Charged Off the debt, no debt remains owed to anyone. Per my phone conversation with the CFPB, these types of accounts must be removed from all reporting agencies, thus my original complaint submitted to them. 

Mountain Run Solutions had until 30 days from date the certified letter was received ( XX/XX/21 ) to provide this information requested and comply with the law, otherwise they are required, per the FCRA, to delete the account they have reported to any consumer reporting agencies about me.
Consumer complaint received 2020-02-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (FL)

My daughter sent me {$600.00} around XX/XX/2019. I have screenshots of her sending but I dont have the funds andCashApp will not respond to me. I received the initial email saying they had my inquiry and would respond in 24 hours, but that has passed a few times over and I cant get any responses or help as they have no phone support and they are simply not responding to my emails. I have opened several tickets.
Consumer complaint received 2021-08-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Santander Consumer USA Holdings Inc. (TN)

Response to the letter about my previous complaint. 
SANTANDER said they approve my credit application ( id # XXXX ) on XX/XX/2021. 
SANTANDER is advertising down payment which is against the law Pursuant To Title 15 U.S. Code 1662 No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 1 ) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount. ( 2 ) that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount.

Also asking for a down payment ( charge ) and. Monthly. Charges is a Violation Pursuant To Title 15 U.S. Code 1605 a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the SUM OF ALL charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge DOES NOT include charges of a type payable in a comparable cash transaction. 
Property damage and liability insurance include Pursuant To Title 15 U.S. Code 1605 ( c ) Property damage and liability insurance premiums included in finance charge Charges or premiums for insurance, written in connection with any consumer credit transaction, against loss of or damage to property or against liability arising out of the ownership or use of property, shall be included in the finance charge unless a clear and specific statement in writing is furnished by the creditor to the person to whom the credit is extended, setting forth the cost of the insurance if obtained from or through the creditor, and stating that the person to whom the credit is extended may choose the person through which the insurance is to be obtained. 
I also have my 4th amendment right Which states that I have the right to be secured and that includes any security interests I have is my right to be secured!

I use my credit card ( social security card ) Pursuant to Title 15 U.S. Code 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
Once the contract is indorse by my signature the contract becomes a instrument with value and consideration & fulfills/settles all obligations.
Consumer complaint received 2021-08-18
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: ERC (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2021-08-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This company did not complete an investigation for the fraudulent hard inquiries on my credit report. I have submitted my FTC report along with dispute letters since XX/XX/XXXX. 

Transunion : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Auto XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION (CT)

Facts : I XXXX XXXX am a consumer as defined by 15 USC 1692a ( 3 ).

" ASPIRE aka ISL/XXXX  '' is a creditor as defined by 15 USC 1692a ( 4 ). 

" ASPIRE aka ISL/XXXX  '' alleges that I XXXX XXXX owe them a debt as defined by 15 USC 1692a ( 5 ). 

" ASPIRE aka ISL/XXXX  '' is a corporation whose residence is in the state of IOWA. 

XXXX XXXX is a natural person whose residence is in the state of CONNECTICUT. 

We are still within the statute of limitations for this case as the company in question is still violating my rights as a consumer willfully after being asked to stop since XXXX of XXXX and XXXX of XXXX. 

" ASPIRE aka ISL/XXXX  '' has failed to supply any record of payment by me validating these claims of late payments from XXXX. 

As you can see my account was closed because of SUCCESSFUL ON TIME PAYMENTS for the duration of the loan and relationship with ASPIRE aka ISL/XXXX.

ALLEGATIONS/COMPLAINT : - '' ASPIRE aka ISL/XXXX  '' in an attempt to collect on this alleged debt has violated 15 USC 1692 ( b ) by communicating with third parties about this alleged debt without expressed consent of myself the consumer. They have shared this debt with numerous credit data furnishers and sold this alleged debt to a data furnisher without verifying its validity after I the consumer notified them in writing that this alleged debt was not mine and I was taking steps to investigate it personally. 

- '' ASPIRE aka ISL/XXXX  '' in an attempt to collect on this debt has sent letters threatening to ruin my reputation by sharing my private information violating 15 USC 1692d ( 1 ). 

- " ASPIRE aka ISL/XXXX  '' in concert with the consumer data furnishers both have caused my phone to ring repeatedly at work and on my personal phone even after I asked them to stop violating 15 USC 1692d ( 5 ) and 15 USC 1692e ( 8 ) by threatening to communicate to other persons and credit data furnishers information which I believe to be false.
Consumer complaint received 2020-02-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc. (MA)

XXXX XXXX XXXX sent {$3000.00} to me to paid for the first month deposit for a client renting from me for next XX/XX/XXXX. I have two phone numbers but only one email. Some how he sent it to a name on cash app that looks like it is one of my accounts but does not link to my email. I don't even know how to access this account. I sent the following message thru email to CASH APP. ( They don't have a phone ) I am able to sign into XXXX XXXX XXXX XXXX XXXX $ XXXX. 

I am able to sign into XXXX XXXX XXXX XXXX XXXX $ XXXX  I dont even know how to sign into XXXX XXXX XXXX $ XX/XX/XXXX It should be connected to either of the first phone numbers or card or account or address which is XXXX XXXX XXXX XXXX ( XXXX XXXX  ) XXXX How did I get XXXX XXXX XXXX $ XX/XX/XXXX When did I get this account? 

Have you researched that this account? 

I emailed them countless times but kept getting back general responses that had nothing to do with my specific problem. 

This started on Sat When XXXX sent the money to the " XXXX XXXX XXXX $ XX/XX/XXXX '', the one that I can't access and don't remember creating. I feel that they are stonewalling me so that they can make money off keeping it in their system for days while they gas light me by telling me that they are looking into it. 

It should be illegal to do financial services with out having a phone service to deal with the complications that can arise when dealing with large sums of money. 

No one at this horrible company has told me where the money is. They should go out of business.
Consumer complaint received 2021-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DE)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I would be grateful if these fraudulent items are removed as soon as possible as it is hindering me very much so. I am unable to move forward with life so that I may provide for my wife and children. I don't have a home, a car, no credit because of this problem. Please I ask that these fraudulent reports be removed.
Consumer complaint received 2020-02-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (NY)

I noticed a fraudulent transaction on my checking account associated with the Cash App app. After contacting my bank and closing my debit card I received an un-requested Cash App card in the mail in my name. I never opened a Cash App account so some one must have opened an account in my name and attempted to withdraw funds from my bank. My issue is that there is no way to contact this company to report the account as fraudulent unless I download their app and log into the account I never opened in the first place. I want to close this account asap before they use it to scam someone else in my name but there doesn't seem to be a way.
Consumer complaint received 2021-08-18
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings (VA)

I received a phone call on XX/XX/17 at XXXX XXXX  EST from XXXX. The person identified themselves as XXXX and they were calling from IQ Data International. XXXX did not read me my Miranda Rights nor inform me the call was being records so I was oblivious to the nature of the call. When I began questioning what the call was in regards to, XXXX was short with me, cut me off, spoke over me and had a hard time answering simple questions. Again, had my Miranda Rights been read, I would've believed the validity of the call and understood it was a collection 's call. When I began explaining I needed to first verify his claims, XXXX was aggressive and engaged in predatory collection 's tactics. In an attempt to convince me he was legitimate, he read aloud the last 4 numbers of my SSN - anyone sitting near him could've heard this information. When I later called back the company, the agent who answered refused to transfer me to a XXXX and would only connect me with XXXX, despite my explicit request to speak to anyone besides XXXX. This company has representatives actively engaging in predatory collection tactics, but who are also unable to remember something as simple as reading Miranda Rights and informing a VA caller that they are on a recorded line.
Consumer complaint received 2021-08-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I noticed a change of Credit reporting back in XX/XX/XXXX where there was a collection fee and affected my credit substantially. 

In an effort to lower my debt and be current with all debtors i contacted Portfolio Recovery Associates LLC about a debt they reported in my Credit report. 

I filed all documents and sent them by email faxed, explaining this charge was not made by me since i do not have this card anymore since XXXX or earlier. 

And that on that date, i was not in The USA, i was overseas doing some work. 

So i ask them to verify where the merchant sent this order and verify it was not in XXXX Address. 

i received a document from XXXX XXXX, card, stating than i have a purchase made on XXXX, XXXX, XXXX for {$120.00} to a web page XXXX for a charge of 96 GBP in XXXX Pounds, Clearly not local, so is a charge of ID Theft. moreover from an account number which was not in use for more than 5 years, so how come the credit card Agency does not close an account where no card has been registered in more than 6 months. 

I ask to take this charge write off my credit report, since i will not pay for any expenses, since i did not make this purchase, but is clearly affecting my credit report, So hard trying to keep it clean as it was before the Divorce. 

Please i request your assistance removing this from my credit reports.
Consumer complaint received 2020-01-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (FL)

On Tuesday, XX/XX/2020, Somebody hacked my Cash App account and sent {$650.00} at XXXX XXXX. To a unknown person. I received a notification on my phone immediately and contact the cash app about the unauthorized transaction. The only way to contact Ca $ h Out is via email I sent an email regarding the On authorized transaction and reached out via XXXX. They told me they would not help me due to this unknown device has logging onto my account before. I stated that I can show the serial numbers to my phone to prove that was not me authorizing this transaction, I also have face recognition on my phone.After I sent the following email I Heard no response from Cash app. I googled the persons name the money was sent to and it looks like a fake person account. If you look at my previous history Ive never sent money to this person in the past.This is not fair to me as a customer whos had a long standing relationship with cash app. Ive never had this issue happened in the past and nobody is trying to help me
Consumer complaint received 2021-08-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BAYSHORE MORTGAGE FUNDING, LLC (VA)

I purchased a home in XXXX XXXX, Florida in XXXX of this year. The mortgage lender has sold/transferred the the servicing of the loan to another company. My first payment and second payment were sent to the original mortgage company because the notice of service transfer was sent to the address of the home purchased instead of my current address in Virginia. The first payment was forwarded automatically to the new servicer. The second payment however was not. I have contacted the company several times and each time I am assured that the second payment was received by them and will be forwarded to the new servicer. As of today it has not posted to my account on the new servicers website. The payment in question was due on the first day of XXXX. That puts it almost three weeks late. Help, need some guidance here.
Consumer complaint received 2021-08-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

ON XX/XX/XXXX EQUIFAX MAIED ME A COPY OF ITEMS ON MY CREDIT FILE THAT HAS BEEN THERE FOR OVER SEVEN ( 7 ) YEARS, ONE WAS XXXX XXXX. THIS COMPANY HAS BEEN OUT OF BUSINESS SINCE XX/XX/XXXX. THE ACCOUNT HAS BEEN CHARGE-OFF AND CLOSED. EQUIFAX CONTINUE TO SHOW THIS ACCOUNT EVEN THOUGH THE COMPANY HAS CLOSED THE ACCOUNT WITHOUT SELLING THE DEBT TO A COLLECTION COMPANY. THE CEO OF XXXX PASSED AWAY AND THE COMPANY IS IN THE PROBATE COURTS. NO COLLECTION AGENCY HAS BEEN ASSIGNED. WHO IS XXXX XXXX. I HAVE ASK FOR COPYS OF SIGNED PAPERS WITH MY SIGNATURE BUT XXXX XXXX HAS FAIL TO PRODUCE. XXXX PRIMARY PHYSCIAN HAS USDED SEVEN ( 7 ) COLLECTION AGENCIES TO COLLECT {$100.00} FOR THE LAST ELEVEN YEARS AND EQUIFAX HAS NOT PAID ATTENTION TO THAT. 
THIS COLLECTION AMOUNT HAS BEEN ON MY REPORT BY SINCE XXXX. THE STATURE OF LIMITATION HAS PASSED.
Consumer complaint received 2021-08-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (OK)

XX/XX/XXXX I tried to payoff my loan, but Amerihome Mortgage Co. system wouldn't let me payoff the complete amount, so I owe XXXX  XXXX. 

XX/XX/XXXX I received a payoff notice that said they owed me {$41.00} because I over paid interest on the loan. 

XX/XX/XXXX They sent a new payoff that I owe them {$.00} now with no explanation on why they changed what was owed. 

XX/XX/XXXX I called to get an explanation and their representative was going to email another dept. and get back to me. Should take 1 or 2 days. 

XX/XX/XXXX Still no answer on why the change. They have sent me a notice that state 's if I don't pay the {$.00} by XX/XX/XXXX they'll charge me {$56.00} in late fees.
Consumer complaint received 2020-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Block, Inc. (DC)

On Saturday XX/XX/XXXX someone tried to take {$730.00} out of my cashapp account. Cashapp locked my account for my safety os what they said, and to contact cash support. I have contacted cash support all weekend with no response. Monday morning at XXXX XXXX  I received an email from an advocate named XXXX from cash app stating that they apologize for the late response and someone will get right on the problem. Still there was no response after that. So this morning I tried to contact cash support once again to resolve my issue and I received and email stating that my case had been closed for not responding for over a week. Which is not true because it hasnt been a week and I never got anything else from them. Now when I try to email cash support it says I cant contact them at this time and I should try again later. This is very disappointing all I want is for my issue to be resolved and my money back on my card. I told them I would also like to change all my pins/codes and request another card. If someone would help me with this issue it would be greatly appreciated. I work too hard for my money for it to just be locked in an app, with no human rep to speak to about my issue.