davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (FL)

Im a widowed mother caring for a XXXX year old I made all my payments on time for years I tried to ask to for help once my husband became XXXX and eventually passed away but no solution. I was not informed of a suit being filed against me as I was back and forth to another country caring for my dad who eventually passed so I apparently missed the memo now Im the sole caregiver for my XXXX year old and theyve garnished my paycheck {$510.00} every 2 weeks its not fair to consumers these recovery services have lawyers that make hardworking Americans homeless.
Consumer complaint received 2019-05-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (FL)

Please provide any and all information regarding this debt including payments made, charges, fees, interest, terms, rate, etc. 
I have requested this information over and over and over for years - all to no avail. 
Thank you.
Consumer complaint received 2019-05-10
Product: Credit card or prepaid 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: CITIBANK, N.A. (CA)

This email concerns the banks decision in the dispute I opened in XX/XX/XXXX, regarding the transaction of {$270.00} charged by XXXX XXXX XXXX XXXX A XXXX on XX/XX/XXXX. 
Im writing to you out of frustration of dealing with the banks transaction dispute department in regards of this transaction.. This merchant has been playing games for long time with unsuspected tourists and visitors because he thinks that can not get back to him just because they are from a different country. This merchant is a car rental company, and the transaction was intended to be an incidental authorization hold only for a pre-paid car rental. That authorization was supposed to drop off by itself after returning the car. 
Apparently, this merchant process those kind of transactions as a sale to keep the money for himself with no right to do so. Weve contacted the merchant multiple times and he lied and said that the transaction should be dropped and he has nothing to do, until he stopped answering our phones completely. 
Then I filed a dispute in XXXX, but didnt hear from Citi Bank until XXXX, asking me to provide a proof of return, or a credit slip. I tried to explain many times in writing and over the phone that the transaction does not involve any merchandise and thus there would be no credit slip, but no one is listening and apparently not reading my email, and they just repeat the same request of this proof of return. 
Its not fair that the bank just close the investigation this way, this is the last thing we would expect from the bank. We dont really know what kind of credit slip we could have from a car rental company that ran your card for incidental insurance. I want to ask every person in your department is s/he ever got a credit slip from XXXX, XXXX, XXXX or any car rental company in the world after returning the rented car. 
This merchant is 100 % dishonest, and we expected a stronger stance from Citi Bank, by instead of asking us an impossible and illogical request, it would ask the merchant why he charged this card, and what service, merchandise or anything he provided for this money. But unfortunately the bank is helping this merchant to get away with money he has no right to. 

Please note, we had the same exact problem, with the SAME merchant, for the exact same amount in XX/XX/XXXX. But at that time we thought it is just an innocent mistake, and after trying to contact the merchant multiple times, we sought the banks help. But now it is very obvious that the merchant is doing that systemically and deliberately.
Consumer complaint received 2019-05-09
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 DISPUTED ACCOUNTS DOES NOT BELONG TO ME, AFTER REVIEWING MY CREDIT REPORT I REALIZED THAT THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY FILE. I WOULD LIKE FOR YOU TO CONDUCT A RE-INVESTIGATION INTO THOSE DEROGATORY MARKS AND HAVE THEM REMOVED OFF MY CREDIT.
Consumer complaint received 2023-10-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (NJ)

My issue is with CashApp and I have filed numerous complaints with them about someone hacking my account and taking XXXX dollars from me without my authorization or authorization of anyone else but they refuse to refund my money ... .this happened over the past year since I think XX/XX/2022 till a couple months ago but they keep telling me the transactions were authorized when they weren't cause if they were why would I file a complaint to get my money back and I am not the only one that has had issues with them ... I contacted the XXXX  for help and they can't do anything so they told me to contact you ... .I just want my money back... I only use cashapp to send money to people I know or buy stuff but that's it ... .the person in question I don't know .... 

Please help me get my hard earned money back... .it 's not right or fair what cashapp is doing .....
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$110.00} XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$99.00} XXXX  XXXX Balance : {$1000.00} XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$110.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-02
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mr. Cooper Group Inc. (TX)

Mr. Cooper is attempting to collect a debt that is not mine. I'm requesting a cease and desist ; and validation of debt .I received a mortgage loan statement that indicates the amount due is {$190000.00} and is 3,246 days delinquent.
Consumer complaint received 2023-10-10
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. (TX)

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX XXXXXXXX Balance : {$6800.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3900.00} XXXX XXXX XXXX XXXXXXXX Balance : {$6800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-10
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. (OH)

I asked the credit bureaus to do a verification of everything on my credit report and they said they did, they stated everything was accurate. 

This was a LIE and I have the letters from the Credit Bureaus to prove it. 
I have letters from The Credit Bureaus Stating that they " COULD NOT FIND THE DEBT REPORTS I ASKED TO HAVE REMOVED ''. 

The Credit Bureaus Also Asked Me To VERIFY MYSELF, because they couldn't find the credit file I am disputing on their records ; so how are the Credit Bureaus PROPERLY VERIFYING THE MEDICAL DEBT, if they have inadequate information. Which they are closing on my credit reports, THEN REOPENING the debt on my credit reports. 

I did a thorough research myself and found improper inaccuracies on the credit report even after they did the thorough research. 

1. Account name : XXXX XXXX XXXX Account Number : XXXX Amount : {$6300.00} Date Opened : XX/XX/XXXX. 

**This account showed closed on XX/XX/XXXX on my XXXX Credit report, and as of XXXX is back on my credit report showing open. 

This Account has been closed twice on my credit report and put back on my credit report twice, claiming it was verified, which is not true at all ** I will include screenshot of this evidence**. 

2. Account name : XXXX XXXX XXXX  Account Number : XXXX Amount : {$9000.00} Data Opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$2100.00} Date Opened : XX/XX/XXXX 4. Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Amount : {$820.00} Date Opened : XX/XX/XXXX In accordance with the fair credit reporting act convergent 1. Account name : XXXX XXXX XXXX Account Number : XXXX Amount : {$6300.00} Date Opened : XX/XX/XXXX. 

**This account showed closed on XX/XX/XXXX on my XXXX Credit report, and as of XXXX is back on my credit report showing open. ** I will include screenshot of this evidence. 

2. Account name : XXXX XXXX XXXX Account Number : XXXX Amount : {$9000.00} Data Opened : XX/XX/XXXX XXXX. Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Amount : {$2100.00} Date Opened : XX/XX/XXXX 4. Account Name : XXXXXXXX XXXX XXXX XXXX  Number : XXXX Amount : {$820.00} Date Opened : XX/XX/XXXX has violated my rights 15 U.S.C 1681 section 602A. states I have the right to privacy 15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

I also have letters from The Credit Bureaus Stating that they " COULD NOT FIND THE DEBT REPORTS I ASKED TO HAVE REMOVED ''. The Credit Bureaus Also Asked Me To VERIFY MYSELF, because they couldn't find my file ; so how are the Credit Bureaus PROPERLY VERIFYING MEDICAL DEBT
Consumer complaint received 2023-10-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to formally register a complaint regarding the persistent and unresolved issues with late open account that continue to appear on my credit report. Despite multiple diligent attempts to rectify these inaccuracies, they persistently impact my credit history and financial standing. 

To provide context, I first identified the presence of late open accounts on my credit report. Since then, I have conscientiously followed the prescribed procedures for disputing and rectifying these inaccuracies, including the submission of supporting documentation and evidence of the inaccuracies. 

Here is a summary of the actions I have taken in my endeavor to address this issue : I promptly contacted your agency and filed a dispute regarding the late open accounts. I submitted all necessary documentation to substantiate my claims, which included proof of timely payments and communication with the creditors in question. 

After not receiving any resolution or updates on my dispute, I initiated follow-up inquiries, during which I was informed that the investigation was still ongoing. 

Subsequently, I submitted additional disputes, reiterating my concerns and supplying any supplementary evidence that was requested. 

I have persistently attempted to communicate with your agency 's customer service department via phone and email to inquire about the status of my dispute, yet I have not received a satisfactory response. 

Despite my repeated efforts to rectify this situation, the late open account persist on my credit report, inaccurately reflecting my credit history and detrimentally affecting my financial opportunities. 

I understand the importance of accurate credit reporting, and I firmly believe that your agency has a responsibility to ensure the correctness and integrity of the information within my credit file. Therefore, I respectfully request the following : A thorough and expedited reevaluation of the late open account on my credit report. 

Immediate correction of the inaccuracies by removing the late open account from my credit report.

A detailed written response that outlines the results of the investigation and the steps taken to rectify my credit report.

Assurance that measures will be put in place to prevent future occurrences of such inaccuracies. 

I anticipate a prompt and meaningful response to this formal complaint within the exact time frame from the date of this letter. Should my concerns not be adequately addressed, I may need to pursue legal remedies to rectify this matter. I am asking for your immediate assistance to correct this account : XXXX XXXX XXXX XXXXXXXX Balance : {$7300.00}.
Consumer complaint received 2023-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: TD BANK US HOLDING COMPANY (GA)

I closed my credit card account with TD Bank but companies were able to continue charging my account even after my account had been closed. 
I was also not given any statement and was notified by mail that my account ( that I had closed months prior ) was overdue. Therefore, there was no way for me to know that these charges were continuing to be made to my account. 
With any of my prior credit owned and closed, I have never had a credit card company continue to allow charges on an account that had been closed.
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In accordance with the Fair Credit Reporting act. Transunion violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told the Transunion to reinvestigate this inquiry and verify on my consumer report if I have an account with them. 

TransUnion Case # : XXXX ( Remove False Inquiry ) Inquiry name : XXXX XXXX XXXX However, they stated everything was complete and accurate. So instead of them actually reviewing the actual consumer report they have on me they reached out to the XXXX XXXX XXXX to ask is " someone '' inquired to them. But how is that possible if I do not have any listed accounts ( credit card, installment, or anything ) with XXXX XXXX  XXXX. 

According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 instructions15 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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2023-04-10
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. (OH)

I requested all 3 credit report bureaus to put a credit freeze on my credit report back in XXXX. My phone numbers have been on the DONOT CALL List since XXXX. I have been getting spam calls since XXXX. The past year, I have been politely conversing with these perpetrators to find out why they are refusing to oblige by the DONOT Call List and how they are getting my phone number and personal information. Several of these perpetrators told me they are getting it from XXXX and especially from Experian. Also, these spammers are 3rd party and when I would say, yes let me talk to an agent, they patch me directly to the company really selling the product. So, these legitimate companies : XXXX, XXXX XXXX Medicare Benefits XXXX etc are using a 3rd party to get people like me to talk to them. I contacted both Experian. I have 3 different PIN numbers from Experian, and they told me the pins are wrong. My password questions are incorrect according to them.. I contacted XXXX and they played the same game. They do not recognize my pin number from XXXX and my answers to their security questions were incorrect. ( I think I know my own security questions since i selected them ). Now XXXX billed me for {$29.00} for their Identity Theft. I never placed an order!
Consumer complaint received 2023-10-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One Bank wont release my phone number that is link to XXXX I dont have capital one account anymore and capital one bank still have XXXX  locked with my number that XXXX cant use with other bank that have XXXX
Consumer complaint received 2023-04-10
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: EQUIFAX, INC. (TN)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (FL)

On XX/XX/XXXX through the XXXX and XXXX, my son added a card to my cash app account without permission. He proceeded to take money off of the card into my cash app account which was approved. He then removed that card. A few days later I had ro cancel that card due to the unauthorized transaction. The money that he had moved was previously was not affected as it had already been spent. On XX/XX/XXXX I get several notifications that my add cash had failed from XX/XX/XXXX and XXXX and XXXX. This resulted I'm a negative balance of - {$730.00} of which I do not have as the transactions from the listed dates went through. I reached out to their support which said, " The {$300.00} Add Cash transaction from XX/XX/23 at XXXX XXXX was disputed for the bank and the debit card ending in XXXX. This card was linked to your account on XX/XX/23 at XXXX XXXX. 

As a result, the Add Cash transaction was reversed and the funds were removed from your balance. For next steps or more information, please reach out to your bank. '' The issue is that the money had already been spent by that time and was no longer in my cashapp balance. My bank does not have any further instruction for me. I also can not repay money that I borrowed from cash app as a result of this.
Consumer complaint received 2023-07-26
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. (VA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The ITEMS I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Chime Financial Inc (DE)

Chime bank will not refund me money from a dispute. The customer service is horrible they treat you like a robot and just read verbatim a script instead of answering simple questions. I was overcharged by a company and was expected a refund that I never got and filed a dispute and they denied my claim. This bank needs to be shut down theres nothing but complaints and problems with people being returned money. They claim they cant even give me a temporary credit because of regulation e.