davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-10
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Rosebud Economic Development Corporation (OH)

Getting nowhere paying the loan off. I try to make payments but the balance never goes down. Im fighting a losing battle and need to reduce my payments. Interest and fees accruing and taking away money is fine. Getting emails about a late payment when all I did was remove the auto pay.
Consumer complaint received 2024-10-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (FL)

XX/XX/year> I Recieved A Text To Contact The Number On Back Of Debit Card. They Need More Information On Accounts Ending In : XXXX & XXXX. Also A Email Was Sent To Contact Chase Bank To Please Contact Chase To Help Protect Me Against Fraud And We Restricted Your Account And Needs To Close Soon. I Contacted Chase IMMEDIATELY After Text & Email That Came In @ XXXXXXXX XXXX  I Was Told The Account Was Closed Already And They Have No Information In The System As To Why Was It Closed And I Will Receive A Letter And Cashier Check Of My Money That Was In Savings Account. They Closed The Account Immediately And I Think It Was Unfair To Me As A Customer. I Am A Florida Resident And Experiencing Hurricane Milton With No Money Or Food For Me And My Children Thru This Storm. I Recieved My Direct Deposit On XX/XX/year> And Could Not Prepare For The Storm And We Are Without Power And No Money. Chase Bank I Deserve The Right To Know Why My Account Was Closed And My Money Taken
Consumer complaint received 2024-10-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

I have place a compliant before, however upon further research I noticed that my wife last name was misspelled. My wife name is XXXX XXXX and the representative from Wells Fargo branch spell her name as XXXX XXXX. I dont know if this has affected our accounts to be frozen and eventually closed, but we did not want our accounts closed. Also, we did go into the XXXX XXXX Wells Fargo Branch in XXXX, Fl to fixed the incorrect problem with our account. We were told that they could not identify who we were. Maybe because my wife name was spell incorrectly.
Consumer complaint received 2023-11-22
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. (AZ)

In accordance with the Fair Credit Reporting act the following XXXX Accounts has violated my rights : XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XXXX XXXX ), XXXX XXXX XXXX ( XX/XX/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 States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Good morning, I am writing this complaint because Transunion are not doing their job to assure maximum possible accuracy on my credit report. I wrote them a letter addressing this problem and request they sent a debt validation and they have yet to provide that and it is almost 45 days since I sent out my letter to them requesting this. The letter was sent out XX/XX/2022. Transunion not sending me that, I am assuming they don't have one and I don't understand why it would still be reporting on my report if they can't prove to me how it was validated and with whom it was validated with. I am requesting they remove these inaccurate accounts from my credit report immediately.
Consumer complaint received 2022-11-13
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: EQUIFAX, INC. (GA)

I contacted Equifax, XXXX, and XXXX on XX/XX/01 and was told I needed to file out an FTC report to get inquires removed.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (GA)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Previous Address ( es ) : 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 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 2022-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Thunderbird Collection Specialists, Inc. (AZ)

There is an unknown collection account which I was never informed of until it hit my credit report. I have disputed it several times with nothing being received as far as validation. I do not owe this company {$40.00} please help
Consumer complaint received 2022-11-14
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: Experian Information Solutions Inc. (NY)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2022-08-31
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. (IL)

The XXXX XXXX account is not mine, my ex husband and his mistress forged this account in XXXX when i found out about the account I contacted the police and XXXX XXXX XXXX XXXX and have been battling for over 3 years to get this account off me. I hired XXXX XXXX to help me and they submitted a challenge to Equifax to request the contract because they will not provide to me. Equifax went and updated a closed account as delinquent when it was paid off in XX/XX/2019 and dropped my credit score XXXX points.. This is wrong and how are they reporting an account delinquent when its been paid off and closed since XXXX.
Consumer complaint received 2022-11-14
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. (NY)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2022-02-22
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Healthcare Collections-I, LLC (AZ)

Dear Sir/Madam, XXXX ( healthcareinc ) is attempting to collect a debt. Their tactics are either laughably incompetent or connivingly sinister in their methods. 
I received a letter of collection from them that clearly stated how to pay. I WILL NOT REGISTER with them or call them, I believe every transaction and communication should be documented in writing. 
When attempting to pay at XXXX XXXX XXXX I was unable to do so. The account number had ambiguous text or numbers, and even what looks like capitalized and lower case letters. After trying every single possible variation ( even improbable ones ), I came to the conclusion that they do not want you to be able to pay using their " Want To Pay Without Enrolling?, One-Time Payment '' option. Interestingly, there is NO WAY to contact them by email or messaging. Please try to connect to their website with the information on the letter they sent me, I'm sure you'll find it to be impossible. If this company has the ability to place a derogatory mark on one 's credit history, then some minimal level of competence should be met, otherwise it SHOULD BE ILLEGAL!

I shudder to think what additional information they may have and in what ways they may be misusing them.
Consumer complaint received 2022-01-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (MN)

On XX/XX/2021, I sent 2 payments to another CashApp user, one for {$300.00} and one for {$350.00}. The other user didn't follow thru with the agreement, and I further found out the entire situation was a fraudulent scam. I contacted Cashapp thru their app, as well as requested the money be refunded by the other user ( which is CashApps first resolution suggestion ) and never received anything back.
Consumer complaint received 2022-11-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Recovery Management (TN)

I have been sending multiple letters to the Bureaus since about 4 months ago. I am getting computer generated responses and stall letters, especially from XXXX after I have asked for validation multiple times. The information from the creditors that is reporting to the Bureaus are not reporting 100 % accurate information which is against the FCRA. XXXX and XXXX are also having collection account statuses listed as OPEN. There has been no XXXX release form presented as I requested either. I have exhausted my efforts, gave several chances. Now I am demanding for these accounts to be removed completely since they are illegally reporting inaccurate information. Please view the screenshots of the accounts with the account names, account # s, and dates mail have been sent. 
Thank you for your help.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MD)

XXXX XXXX investigation and re-investigation verified with XXXX and the result is public records are UNVERIFIABLE. XXXX XXXX has disputed with the credit bureaus on my behalf without a response.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (MA)

sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX XXXX to seek their assistance in resolving this issue. 

Please find below my reasons for dispute : XXXX and the following inquirires as well XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-18
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have sent letters to each TransUnion, XXXX, and XXXX on three different occasions and have yet to receive a response from any of them. The exact dates I sent the letters were on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I believe I am getting ignored and the credit bureau 's are infringing on my rights under the FCRA. 

It has been over 120 days with no response from the bureaus so I would like the negative information being reported on my credit profile to be deleted.
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is my fourth 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 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 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 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 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 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 2022-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc. (MA)

Every month the Department of Education sends out that I am deliquent ( behind ) on payments for my student loan. They have done this the ENTIRE pandemic. Also, I have a credit repair company that fights it every month, gets it off my report only for it to return like clockwork the next month. 

This is fraudulent and hindering my credit. That is a violation of my rights and my credit. 

Unacceptable.
Consumer complaint received 2022-11-14
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: Experian Information Solutions Inc. (CA)

I would like to request the suppression of this account from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physical & financially... and I would truly not what to pursue a legal remedy... 

XXXX XXXXXX/XX/XXXXXXXX
Consumer complaint received 2024-10-08
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc (NY)

I dont have a relation with this company. They are trying to collect a debt I was not sued for. I filed a human rights complaint with HUD NYS they are being prosecuted as if XX/XX/year>. After the property manager XXXX XXXX unlocked my door and allows the resident cop to XXXX XXXX XXXX with CPS she was trying to not renew the lease after months of repeatly harassing us. She kept violating the laws and violated privacy rights when she unlocked my door and had the maintenance man break through the deadbolt my son was terrified he was XXXX XXXX XXXX XXXX XXXX. She evicted us XX/XX/year> in housing court the highest amount you can be sued for is {$3000.00}. I have no relationship with them Human rights has my address with them XXXX XXXX XXXX XXXX NY. These people are criminals and committed crimes against my family and I. We were the first residents and lived there for XXXX  years. What went wrong I told her I filed a lawsuit against a predatory man. While living there we were harassed by another resident the cop that took my son asked me to sign a violation against him his name was XXXX XXXX he lived in XXXX XXXX I lived in XXXX the cop lived in XXXX. Then she went crazy and I filed XXXX and did not prepay the rent as I did the prior years upfront. The property owners law firms sealed the arrest and XXXX  against XXXX XXXX.
Consumer complaint received 2022-01-01
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

So, last time I was on the phone with b of a prepaid regarding my edd account, I was told that actually, multiple cards remained active at the time of my most current card being active. So I believe I have a right to file a claim on my entire account since they dont even know which cards are active at what time. But they refuse to let me file a claim.
Consumer complaint received 2024-10-07
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Nationwide Capital Services, LLC (IL)

Structured Settlement collection agency is repeatedly calling me on my cell phone because they're trying to reach my family member. I've told them this is the wrong number and they continue to call. They're very rude and unprofessional. I am documenting their repeated calls and will take legal action against them if necessary.
Consumer complaint received 2022-08-31
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. (NJ)

Credit bureaus are in violation of my rights and are REFUSING TO CORRECT the issue. In accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXX Acct # XXXX My next steps will be to FILE A CIVIL SUIT against them!
Consumer complaint received 2022-01-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (FL)

With my BestBuy Citi Credit Card ending ****, I have made a purchase at a BestBuy store on XX/XX/2021 for {$800.00} to be paid in 24 monthly installments with no interest or fees. My next statement in XXXX included the whole amount, but I didn't suspect anything wrong as it was the true amount I owed, and it showed in my promotional purchases section of my statement. However, the total amount was not spread over equal payments, and somehow, I paid not all but most of this purchase along with the remaining expenses on my account for the period. 

The total statement balance of {$970.00}, including the purchase in dispute, was paid on XX/XX/2021, because I had my instructions to make full statement balances on due date. On the other hand, I still owe {$160.00} on promotional balances, which should be only 1 ( one ) installment less than the total purchase, around $ XXXX I contacted various customer service representatives, and until the last one, they all argued the system withdrew all the money owed from expenses because I had Full Statement Balance pay instructions, and Citicards didnt have an option to separate and calculate installment payments from the rest of the balance, which sounded meaningless. Multiple CS representatives told me that I should calculate how much I wanted to pay on each month and put that into payments or change my monthly payment instructions to Minimum Payment, which would create interest charges on my expenses outside the Best Buy promotional purchase in dispute.

Getting into an installment pay plan and then having required to calculate your next payment each term is not making sense, and there is obviously a mistake here that customer service doesnt want to understand. Unfortunately, there is no available authority fully comprehensive at BestBuy or Citibank to reach out for the dispute, so I have no other option to report this promotional delusion on all levels of complaint departments.