davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Block, Inc. (CO)

On XX/XX/2023 I woke up in the morning and {$300.00} was missing from my cash app account. When I reached out to cash App, they said that it was a glitch in the system and they never took out the money from my original purchases months prior. When I explain to them that was not correct, and that the money was taken out my account right away when these purchases were made, and now another XXXX was taken out of my account, They told me I could not dispute it and kept hanging up the phone on me. I have wrote several complaints about this to cash app support including talking on the phone with support. No one has been able to assist me with getting my money back or even hearing my complaint. I literally just woke up out of nowhere and {$300.00} was missing out of my account from Cash App. 
I also reached out to the XXXX, and consumer.ftc.gov to address my complaints.
Consumer complaint received 2023-10-09
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. (NV)

I hope this letter finds you well. I am writing to address a matter of utmost importance regarding an account with your company, which has been included in my recent bankruptcy proceedings. Despite numerous attempts to have this account correctly marked as " included in bankruptcy '' and removed from my credit report, I continue to face challenges in resolving this issue. 

The account in question is associated with the following details : XXXX XXXX Balance Owed : {$0.00} and this account was among those listed as part of the bankruptcy filing. According to bankruptcy laws and regulations, accounts included in bankruptcy should be accurately reflected on my credit report with the appropriate notation. 

My attempts to rectify this situation have been extensive, including multiple letters, emails, and phone calls to your company 's customer service department. However, despite my efforts, the account continues to be reported as active and unpaid on my credit report, negatively impacting my credit score and financial stability. 

I want to emphasize the importance of resolving this issue promptly. As I work to rebuild my financial health after bankruptcy, having this account incorrectly listed as active severely hinders my progress. I am requesting the following actions to rectify this situation : I kindly request that you promptly update the status of the account associated with XXXX to accurately reflect that it was included in my bankruptcy filing. This notation should be reported to all major credit bureaus. 

Please take the necessary steps to ensure that the corrected information is reflected on my credit report as soon as possible. I understand that this process may take some time, but I request your assurance that it will be resolved accurately and expeditiously. 

Upon completion of the necessary corrections, please provide written confirmation that the account has been accurately marked as " included in bankruptcy '' and that this information has been conveyed to the credit reporting agencies. 

I believe that by resolving this matter promptly and accurately, we can ensure that my credit report reflects my financial status correctly and helps me rebuild my credit post-bankruptcy. Failure to address this issue may result in legal actions, as inaccurate credit reporting can have serious consequences. Please help me remove this account : XXXX XXXX Balance Owed : {$0.00}.
Consumer complaint received 2016-12-30
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (TX)

My home was bought out by caliber home loans I received a letter that we owed XXXX so when my husband received his SOCIAL security check I mailed XXXX to them then I sold some retirement and mailed another XXXX Then my husband received his va Benefits I mailed another XXXX Logged into their website it showed I owed XXXX today I logged into their site it showed I owed XXXX called them and was told that all my payments were not applied to the loan they were holding XXXX to see how to apply it to the loan and they had not received the other XXXX Caliberhomeloans.com is a rip off
Consumer complaint received 2023-04-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

I received notice from SPS servicing about possible referral for legal action.. I immediately email XXXX as direct on the notice. Stating I appeal my case. And also Called the company to request a call from my relationship manager. Never received a call. I then placed another call on XX/XX/XXXX and spoke to a representative whom stated she will have someone call me back and gave me a quote of just over XXXX XXXX to be paid by XX/XX/XXXX. 

Therefore, XX/XX/XXXX I paid XXXX XXXX through money Pay at XXXX as directed by sps. After never receiving a call from sps. I called again XX/XX/XXXX. Spoke to another rep whom stated to paid a little over {$1900.00} by XX/XX/XXXX. I told her no problem I would pay it the following Tuesday. 

On XX/XX/XXXX I finally received a call from a representative whom stated she was my relationship manager and to pay XXXXXXXX XXXX Tuesday and my account will be all clear. While speaking with the relationship manger I paid XXXX XXXX She assured me she was noting my account and she will contact me Friday XX/XX/XXXX. I never Received this call. However. XX/XX/XXXX I check my messages and I have a call from pay center stating my XXXX. Paid on XX/XX/XXXX was rejected by sps and please return to XXXX to request a refund. I guess Im definitely confused seeming its not XX/XX/XXXX and the amount was paid in full by XX/XX/XXXX 10 days ahead of the requested date. 

I have tried reaching back to this company and havent had a response yet. 

Also, my mortgage was supposedly transferred once the previous company had a class action suit against them from not properly obtain homeowners insurance but charging for it. 

After I questing my escrow balance. Seeming if they never paid into the homeowners insurance. I shouldve had an escrow credit. I then landed with SPS servicing. 

Im kindly asking for this situation to be addressed immediately and report my mortgage as current with all reporting bureaus. 

Thank you kindly.
Consumer complaint received 2023-06-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current (CA)

Extremely Time-urgent XX/XX/XXXX XXXX XXXX XXXX XXXX Chief Executive Officer Current For Immediate Resolution Dear XXXX XXXX, XXXX XXXX and Current Executive Management : Please accept this email as a time urgent request to release my account and funds, as my account has been restricted arbitrarily and these funds are time urgent to care for my ailing Service Dog, XXXX ( XXXX XXXX in the XXXX XXXX XXXX XXXX XXXX XXXX. 

Per your request, please see the following and urgently release the hold on my account prior to contacting XXXX XXXX XXXX and local media XXXX XXXX XXXX to aid in this egregious matters urgent resolution. 

Please note that the address on my Current account is no longer current as a XXXX XXXX from XXXX XXXX, working and living in XXXX, I attempted to updated my address several times but the app would not allow such to my mailing address ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ). As such I am attaching other bank statements as well reflecting this address. 

Please urgently remove this restriction and contact me immediately to ensure this has been resolved, prior to all aforementioned actions. I have provided Current Bank and XXXXXXXX XXXX the following documents as of XX/XX/XXXX at XXXX PST : 1. Selfie holding current State ID with present mailing address ( as a licensed XXXX XXXX we utilize our mailing addresses and NYS DMV permits these addresses to be listed on our ID as we travel ) 2. Proof of CURRENT mailing address matching ID ( Bank statement ) - as a XXXX XXXX I do not pay utilities or phone, this is included in rent. 

3. The refund from XXXX XXXX was provided to me and my partner, for a refund of a XXXX completed previously that resulted in errors and was refunded on behalf of the XXXX XXXX XXXX. This XXXX was performed over one year ago and the card used at the time of XXXX has since been closed XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX approved this refund ( cashier XXXX XXXX ) and requested a new card to send my refund to, and I selected my Current account. Please see receipt from said refund from XX/XX/XXXX. 

Please urgently ensure the release of my funds and account restrictions, as this matter constitutes as a dire-need situation given the present needs. 

Thank you kindly in advance for your urgent assistance. 

Best, XXXX XXXX ( XXXX ) XXXXXXXX XXXX
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (CA)

XXXX XXXX, XXXX, and Equifax, I know from personal experience, are and have been advertise inaccurate credit card match approval odds for quite sometime. This could be a huge class action lawsuit. All of these credit reporting agencies get paid by how many applications they refer from their sites, commonly known as click bait. These companies are advertising personalized matched credit card offers with inaccurate approval odds. This unlawful and unethical business practice which should or may be illegal, is not being enforced and these companies are destroying peoples credit and effecting them financially all so that they can make a buck. False advertising or XXXX XXXX  is advertised in broad day light. With all of the above named companies they have shown me personalized matched offers with approval odds from XXXX  XXXX  guarantee, and or outstanding, Good, and Excellent. Example : All XXXXXXXX  card require that your application for a credit card be your first or second hard hit, if you have XXXX hard hits and apply for any XXXX card you will automatically be denied. I have XXXX hard inquiries currently on my credit, so how can I have outstanding, good, excellent, or 4.8/5 stars matched for you? How when I have XXXX hard inquiries and am guaranteed to be denied how do I even have fair let alone good or outstanding odds of approval? These companies are passing false information off as fact, hurting the American consumers financial footprint so they can make money off of our information. Isnt this illegal on many levels? Not to mention the integrity opportunity.
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 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 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Dear CAPITAL ONE, I am writing to dispute certain inaccuracies that are currently appearing on my credit report, which are affecting my credit standing and financial well-being. I kindly request that you take immediate action to remove and delete the following inaccurate information from my credit report : Account name CAPITAL ONE Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. {$1.00}, XXXX past due as of XX/XX/XXXX. 

Status updated XX/XX/XXXX Balance {$1400.00} Balance updated XX/XX/XXXX I have thoroughly reviewed my credit report and have determined that these items are incorrect and do not reflect the accurate state of my financial history with your institution. The presence of these inaccuracies is causing significant distress and adversely impacting my ability to access credit and financial opportunities. 

Under the Fair Credit Reporting Act ( FCRA ), it is your responsibility as the creditor to ensure that the information you report to credit bureaus is accurate, verifiable, and up-to-date. I urge you to conduct an immediate investigation into these disputed items and take the necessary steps to remove them from my credit report without delay. 

I kindly request that you provide written confirmation of the removal of these inaccurate items from my credit report within 15 days of receiving this letter. Failure to comply with this request may result in further legal action to protect my rights as a consumer under the FCRA. 

I trust that you will handle this matter with the utmost urgency and professionalism. Should you require any additional information or documentation to support my dispute, please do not hesitate to contact me. 

Thank you for your prompt attention to this matter and for ensuring the accuracy of my credit report. 

Sincerely,
Consumer complaint received 2023-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX XXXX Account XXXX has violated my rights. Or 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 2024-08-19
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)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
EQUIFAX MTG XX/XX/XXXX EQUIFAX MORTGAGE 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2019-06-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I HAVE REQUESTED FROM TRANS UNION NUMEROUS TIMES TO REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. I HAVE SENT THEM MY IDENTITY THEFT REPORT. THE OTHER 2 BUREAUS DID THEIR INVESTIGATION AND THEY REMOVED THE SAME ACCOUNT DUE TO THE FACT THAT THE ACCOUNT WAS FRAUDULENT AND NOT MINE. TRANS UNION IS STILL REVIEWING.
Consumer complaint received 2019-06-10
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. (CA)

EQUIFAX REFUSES TO REMOVE THE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT. THE OTHER 2 BUREAUS DID THEIR INVESTIGATION FOR 30 DAYS AND THEY REMOVED THE FRAUDULENT ITEMS BUT EQUIFAX REFUSES TO REMOVE THEM. I HAVE SENT THEM MY IDENTITY THEFT REPORT NUMEROUS TIMES.
Consumer complaint received 2023-08-21
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. (NJ)

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. 

I told the XXXX, Trans-union , and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed 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 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.

Also they are not even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Consumer complaint received 2019-06-10
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (FL)

I attended XXXX XXXX Online College ( XXXX ) from XX/XX/XXXX-XX/XX/XXXX. Upon enrolling, I was told by my financial advisor that the school was 100 % accredited only to find out 5 years later it wasn't. A few months before graduating, I received a letter stating the school was closing. I tried to enroll into another school to further my education, but was informed the majority of my credits would not be accepted. I have acquired nearly {$30000.00} in student loan debt and I cant further my education because the school was not fully accredited. I have not been able to obtain a job in the field I studied nor have I been able to afford {$300.00} per month for repayment. My student loans have had a tremendous negative impact on my life giving that I was promised job placement and it never occured. I would gladly appreciate any information that you can give me on if I am eligible for a student discharge. I look forward to hearing from you soon.
Consumer complaint received 2019-06-10
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Jon Barry and Associates, Inc. (NC)

Set up payment arrangements directly with Collection Agency and have been paying. Had contacted collection agency about identy theft of banking information. Have had bank cards and account replaced. Bank cards replaced about 7 times, bank account 2 times. Can provide banking claims to show proof of issues of stolen information. Made a XXXX payment on XX/XX/2019, received a credit alert that collection agency had put collections account on my credit which brought my score down and the company kept asking me to pay the debt completly off and this will be removed from my credit. But if I have been paying and due to banking info being stolen repeatedly making payments of more that my payment arrangement why was this put on my account now since I have paid almost all the debt off and payments are due at the end of the month. If this is not a attempt to harm my credit and being threating I dont know what is. I am paying and this is still harming my credit file. Paid and not even 2 days later this shows up on my credit file. My original debt was at over XXXX and I only owe XXXX some dollars. Paragon Revenue never called me due to them purposely calling an alternative number when they had my direct contact number.They have lied completly about there practices and I went to court for this and they lied and not honoring there spoken recorded words, and as well as the hospital representative that uses them and know how they practice. How is these legal if I am making payment arrangements and the debt is almost completly paid down.