davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX, Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ). This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  and sold to XXXX XXXX XXXX on XXXX under the account number ( private ), XXXX XXXX XXXX opened XXXX that appears related to the aforementioned. These accounts fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2023-07-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (CA)

Fraudulent application was submitted to Affirm Inc in my name and my identity was used without my consent to obtain goods and services. I have made several attempts to call and file a dispute to Affirm Inc but no luck. They turn me down claiming information is matching and did not close my case. This issue was reported to the credit bureau XXXX and I'm working very hard with trying to dispute this information.
Consumer complaint received 2024-10-08
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (TN)

I was recently charged ~ ( 40 days ago ) an increased annual fee of {$550.00} by American Express, The provided benefits for the XXXX card recently changed so I have been planning to cancel this card during the year. I chatted with Amex to cancel my card and receive a refund, but they told me I was 8 days past the 30 day cancelation period so I could not get a refund. They notated in the chat that I could cancel this card and go to another card when would get me a prorated refund of around {$480.00}, but I was not happy with this decision, and I wanted to cancel with a full refund. The next day I tried to chat again, but the connection did not go through. I called the next day and spoke with customer service to move my available credit over and cancel the card expecting to get the prorated refund, but right after the account was canceled, I asked the representative where my prorated refund was. She responded telling me since I asked to cancel, I would get not refund. This was not what I intended to happen so I told her immediately this was not what I wanted ; I wanted the prorated amount of ~ {$480.00}. When I requested to cancel over the phone, she never educated me on the facts that I would forfeit all of my {$550.00}, not get any prorated refund, and lose all of my card benefits for the remaining XXXX months. To be clear, this phone call took place quickly since I was on my lunch break, and my intent all along was to get the prorated refund. I explained this repeatedly to the same representative immediately who just canceled my account, but she said not XXXX seconds after the cancelation, there was nothing she could do. I am now only about 40 days out from when I was billed {$550.00}, and I have nothing to show for it and received none of my money back. I explained again that I meant to do whatever would get me the prorated refund, but she said she couldn't help me. I have tried speaking with many different customer service reps and supervisors, but none have been able to help me even though they realize that I didn't mean to cancel. The customer service representative should have educated me on the advantages and disadvantages of canceling especially right after I paid {$550.00} 40 days prior ; if this had happened, I would have caught the miscommunication and mistake, and made sure the card was downgraded instead of canceled. American Express knows through my multiple phone calls that this was not what I meant to do, and they refused to help me in any way make this right. I paid {$550.00} for the Amex XXXX, and I have absolutely nothing in return and no help from Amex even though they know this was an honest mistake which wouldn't have happened if I had been properly educated before the cancelation.
Consumer complaint received 2022-02-17
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. (FL)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Finco Holding Company LLC (WA)

I aquired an auto loan with approved credit, I had a very negative experience with the woman managing my loan, she tried having my car repossessed, she added late fees and penalties fraudulently throughout the length of the loan. When I told her I was coming to pay the balance in full she fraudulently repossessed my car and sold it. I paid the payoff in full and fought hard to get my car back. And after I purchased the car she continued to report that payments were not being made for years. I in fact found out she was still report delinquent payments long after I had sold the car to someone else. I pulled my credit maybe a year after I sold the car, approx. XXXX and she had been miss reporting that I hadnt made a payment in 5 years. I paid off the car loan with her company in XXXX Again, I had sold the car in XXXX, before I found out she was still reporting no payments being made. I Ibecame XXXX for XXXX years as a result of poor credit. I called the company in XXXX and they eventually removed the file but this has been affecting me and my credit for nearly 5 years. Which contributed to my current credit issues.
Consumer complaint received 2022-02-17
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: Credence Resource Management, LLC (NJ)

On XX/XX/XXXX, I received an alert on my personal credit report, stating that a collection was placed on my report in the amount of {$430.00}. I immediately disputed the collection, stating that it wasn't mine and it was illegally placed on my report without prior notification, not allowing me to dispute the item. The first dispute letter was return as " not a deliverable address ''. The company removed the collection from my XXXX and XXXX credit report, but it was still on my XXXX report. I then wrote a follow-up letter on XX/XX/XXXX, disputing again, asking that the collection be removed. The second dispute letter that I wrote was returned again, stating " not a deliverable address ''. This collection is still reporting as of today on my XXXX credit report, which is affecting my personal credit score. There is no way to reach out to this company as the address listed is incorrect and there is no phone number listed. I would like this collection removed immediately from my personal credit report.
Consumer complaint received 2022-02-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (GA)

I processed a payment from a client on the Square App on XX/XX/22 and was instructed to verify my banking and business information. My information was verified but a few days later I received an email stating that my account has been deactivated and my funds are being held. There has been no explanation as to why my funds are being held and when I tried to call to inquire I was blocked from any management. On a recorded line I was told that every upper manager or supervisor refused to take my call. I was coerced into giving personal information just for them to steal from me.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

Hello, I have called over 20 times since XXXX XXXX to request access to my credit report, but each time, I have been refused access to my personal credit account. Despite verifying my identity over the phone, I have received numerous excuses such as promises that someone will call me back, claims that the system is down, statements that no supervisor is available, or even being abruptly hung up on. 

As an American citizen, I have the right to access my credit report to monitor it, freeze or unfreeze my account, and ensure its accuracy. I kindly request immediate access to my personal credit account as per my rights. 

Here is the error I get every time I try and log in to access my account Oops, we're sorry! 
Call us toll-free at XXXX Hours of operation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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. 

Account Name : XXXX XXXX  XXXX Account XXXX : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account XXXX XXXX XXXX Account XXXX : Unknown Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 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 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My information may have been impacted by the Equifax and XXXX XXXX XXXX and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists My info was used fraudulently to get a apartment in XXXX after doing some digging I see someone fraudulently opened an apartment and didnt pay and broke lease causing that {$5200.00} which I guess was sent to third party creditors and the others are internet and utility bills
Consumer complaint received 2024-10-07
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

On XX/XX/year> I tried using my platinum credit card and it kept declining so i tried my other credit card ( XXXX XXXX ) and it also declined when trying to purchase an item. I checked my accounts through my app and both credit card accounts had been restricted. I called Capitol One on XX/XX/year>, after waiting all weekend to find out through a representative that both accounts had been permanently closed.I asked the representative over the phone which account caused this issue and I was told my platinum credit card account. Since I have had no issue ever with my Platinum credit card account or my Savor XXXX credit card I asked if they would consider opening my Savor XXXX account up again and I was told no it was permanently closed. Even after paying it off early and in full on XX/XX/year>. I rely on these accounts to help with every day needs of my family and I and feel that the decision that was made was wrong and unjustified. Especially closing the XXXX XXXX account that had nothing to do with the other account with the alleged violation. I've been a loyal customer for years and if Capitol One refuses to open my accounts back up I will feel obligated to take them to court over this issue that occurred causing me to have XXXX XXXXXXXX from this whole situation. This is not how customers should be treated especially when some of us have family trying to deal with the devastation from the flooding that literally just happened.
Consumer complaint received 2022-02-17
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. (NY)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

I am writing to formally notify you that I have been a victim of identity theft, resulting in XXXX fraudulent accounts on my credit report. These unauthorized accounts were added without my knowledge or consent and require immediate resolution. 

ACCOUNTS -XXXX XXXX  XXXX XXXX XXXX XXXX XXXX An official identity theft report has been filed with the Federal Trade Commission ( FTC ), and I am requesting the prompt removal of these fraudulent accounts to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

Account XXXX XXXX XXXX XXXXXXXX My credit report shows two incorrect late payments for XX/XX/year> and XX/XX/year> on my mortgage account. I have always paid on time, and these reported late payments are inaccurate. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report accurate information. I am formally disputing these late payments and requesting their removal from my report. 

The FCRA, 15 U.S.C. 1681i, mandates that credit reporting agencies investigate and correct any disputed information that is inaccurate, incomplete, or unverifiable. Under this law, Equifax is obligated to verify the accuracy of the reported late payments and correct this misinformation.
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

This account never should have been sent to collections, but currently it indicates the status as Account settled for less than the total amount owed which is patently false, I paid the full balance of {$450.00} ( even though the financing contract clearly shows my down payment of {$50.00} and the subsequent total amount financed of {$390.00} ).
Consumer complaint received 2022-02-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ECMC GROUP, INC. (NJ)

I have Federal Student loans held by XXXX, which was supposed to be previously with XXXX XXXX. As we know, in the past, XXXX XXXX launched XXXX in XXXX, so that they may still be involved in the federal loan servicing business, while wearing a different identity. 

However, throughout the years, there have been no improvement, as we know that XXXX had gotten into a XXXX XXXX settlement agreement recently in order to settle litigation due to their unfair practices and predatory loans made out to students, including myself. 

XXXX also had a contract with the U.S. Department of Education, from which I had filled out an Inability to benefit form both to XXXX, and to the U.S. Dept. of Education in XXXX. It just so happens that when I discovered my Federal loans with Navient were transferred to ECMC, I had also gone out of my way to make sure ECMC was aware of my Inability to Benefit application, which I had sent out to them via U.S. Postal mail, via Certified mail and signature request. 

In a recent letter dated XX/XX/XXXX, ECMC had sent me a letter stating that loans made EDUCATIONAL CREDIT MANAGEMENT CORPORATION/ECMC will be assigning the loans to XXXX, who would then be servicing the loans on behalf of the Department. 
Please take note of the abusive practices of these companies. Not only are Student loan servicing companies such as XXXX XXXX chosen to create a separate identity to remain in the student loan market, it had been transferred to XXXX, and then XXXX to ECMC, and now ECMC onto XXXX, all which I havent ever authorized. 

None of these transfers hold any of my signatures or agreement in the matter. It is also interesting to observe these companies sweep These toxic issues under the rug, by looking away and pretending nothing ever happened. 

Also, XXXX had gotten me into a loan settlement offer, which I paid {$5000.00} to settle my student loans. It just so happens they made me pay this settlement offer in XXXX when they already knew they were being sued. Therefore, they also took all they could on their way out. 
I am requesting that my Federal student loans be cancelled due to the entire toxic loan and predatory lending practices I had fallen victim to, based on these companies playing games. 

I had never received a resolution or response on my inability to benefit form/application, and I made sure XXXX, the US. Dept of Education, and ECMC all had the same form, as I made sure they all received my complaint/application. I had given all parties sufficient and beyond reasonable time to ethically provide me with resolution in the matter.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am asking for your assistance regarding this misleading account that appears on my credit report. I have raised this issue because it has harmed my reputation, and I need your help. Your poor management of my credit report has put me in a difficult position, as this false information has ruined my reputation. You must eliminate this incorrect data from my credit report.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

Account XXXX XXXX XXXX XXXX XXXX The account in question was paid in full and on time, but it is incorrectly marked as a " paid charge-off. '' This is damaging my credit score and does not accurately reflect my payment history. I am requesting that the charge-off status be removed and the account updated to show " paid as agreed. ''
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PR)

Mailed XXXX XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX certified mail. 
No answer both above the law. 
XXXX XXXX XXXX XXXX CARD CREDIT CARD Account XXXX reporting a credit card on my credit report please inmediately remove the aforementioned account from Equifax, XXXX and XXXX. That information is incurate the info is inacurated and it was ruled out by the justice department of puerto rico by judgement by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Court case or file number XXXX XXXX SHOULD REMOVE THE ACCOUNT FROM MY CREDIT REPORT INMEDIATELY.
Consumer complaint received 2020-03-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc. (CT)

I did a transaction through Square Merchant services. Square will not release my funds. They will not give me a reason why they are holding on to {$1100.00}. I've done business with them for ten years. All of a sudden, they just hold this money for no reason. 
I called three times, each time they told me they would escalate it to their review team. ( Which is supposed to only take 24 hours and it's been 6 days ). 
After my third attempt on the phone, I tried to call again, but they blocked me from receiving a support code that allows you to speak with a live representative. 
I have emailed them since XX/XX/2020 and still, I have not received a response. 
What's odd is they took out {$220.00} from my bank account, when the transactions came through. So they were able to make money for themselves but unable to pay me my money. Interesting. They blatantly are robbing me. I am a single mother with XXXX children. Please help me.