davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-15
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: Experian Information Solutions Inc. (PA)

XXXX XXXX says that there is an opened credit card with {$7200.00} balance. I havent had a XXXX XXXX card since 2004 and it was always paid off. Tried numerous times to get it removed. No response from company. Hurts my debt to income and credit score. Also XXXX XXXX XXXX put a 30 day XXXX payment on my credit, but they have over 22,000 points that would have paid that payment. Also, payment was automatically paid every month. Never notified of expired payment.
Consumer complaint received 2018-06-27
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. (PA)

i called Trans-union to Dispute Varies Inquires that appear to be on my Credit Report, i did advice that i appeared to be a victim of Their Inquiry issue, however the rep then denied to assist me.. 
XXXX - XX/XX/18 XXXX XXXX XX/XX/18 XXXX XXXXXX/XX/18 XXXX XX/XX/18 XXXX XXXX XX/XX/18 XXXX XXXX XX/XX/18 XXXX XX/XX/18 Also Mentioned that i have 3 medical Collections,  that have already been paid and has not been removed.. they mentioned it will take up to 60 days to be removed.. please assist me
Consumer complaint received 2022-11-10
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (MD)

I applied for a loan on my affirm account to be used in XXXX XXXX XXXX XXXX, in XX/XX/2022 my total amount for the purchase was {$230.00} of which my monthly payments would of been {$22.00}. I paid the 1st installment payment in error as I was paying off my TOTAL Affirm balance off of over XXXX with the exception of this particular loan in which were RETURNED a week after purchase to the XXXX XXXX XXXX itself ( I'm still owed the sum of {$22.00} ) I submitted the return receipt to affirm as they asked waited 14 days, still no credit to my account, yet was expected to still pay on this loan of which I no longer owed. I have emailed, and called and visited the XXXX XXXX to which I haven't gotten much help there either, it's their word against mine XXXX XXXX say the return receipt is efficient enough and they will not call Affirm. AFFIRM says XXXX XXXX did not do a return therefore I must still pay them. I'm so frustrated as I am rebuilding my credit and feel taken advantage of, I am getting nowhere. Affirm has reported it to credit bureau as a delinquent loan. This has been a nightmare. When you call affirm they tell you NOTHING of substance, I'm going in circles here.
Consumer complaint received 2022-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (TX)

From XX/XX/XXXX through XX/XX/XXXX, I was a resident of XXXX XXXX XXXX Due to the pandemic. During this time of my absence Someone stole my personal information and begin to use my credit cards and banking account. I notify JP Morgan Chase Bank about the fraudulent transactions on the slate and freedom credit cards. I was informed that both accounts were closed due to nonpayment in late XXXX early XXXX. I inform CHASE fraud department that any transactions on the accounts at that time we're not my own and ask for the account to be reopen and place at the balance it was before I left. As of, XXXX, there has been no action taken on either account only negative reporting to the credit bureaus.
Consumer complaint received 2020-02-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc. (IL)

I have a XXXX XXXX, which entails processing individual income tax returns for individuals. I am registered as a XXXX XXXX. I opened an account with square merchant services to run my clients payments. I opened the account with very little information. Once I started to run my clients payments manually. They put a hold on my funds. They asked me to submit additional information. I submitted the additional information which consist of an example of an invoice, bank statements, Documentation of an EIN number, registered with the internal revenue service, and Proof that my business is registered as an assume name. I am also a XXXX XXXX XXXX with a Tax Payer identification number issued by the Internal Revenue Service. They said once they review all of my documentation, that they would release the funds into my account. Today, I have received an email stating that my account will be deactvated, and they will be holding my funds for 90 days, and I can not receive them until 2 days after XX/XX/2020. They are holding over {$5000.00} of mines. 
This is not right!!. This is very unfair to me as a new XXXX XXXX!!. I am very upset, and Irate!!. I trusted these people, and now they want to inconvenience me, and hold my funds for 3 months. As a new business, I can not afford this, and I need help retrieving my funds.They said I am a high risk business for Chargebacks.!!.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (IL)

I sent certified mail letters, I called on serveral times and was hung up on. I was told since I had nothing reporting they put a old account back on my report and made up a method of payment. Deprived me of obtain credit, caused emotional distress. XXXX has : 1. Failing to disclose the true cost of credit as per federal regulations. 
2. Misrepresenting interest rates or fees associated with credit transactions. 
3. Any other actions that violate TILA and its corresponding sections of the U.S. Code. 

Failure to comply will leave me no option but to take further legal action, including but not limited to, filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing litigation for damages as permitted under **15 U.S. Code 1640**.
Consumer complaint received 2022-11-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (CO)

A collection was placed on all three of my credit reports for a debt I did not know existed. I got insurance through a local agent. Made the first payment. Went back to agency to make second payment a month later where I found an empty building. I assumed my relationship with that business was over. The policy was for my work truck through XXXX XXXX. XXXX XXXX kept the policy opened for XXXX more days without my knowledge. XXXX XXXX did not have my direct contact information. I never made direct contact with XXXX XXXX. I had no idea who my policy was with other than my agent whom I had spoken with often. 

The balance of {$420.00} was placed for collections with CCS. Upon contacting CCS I was told that the only way to remove this from my credit was to contact XXXX XXXX. I offered to pay this amount in full if the report were to be removed from my account because I was never given the opportunity to pay this before it damaged my credit. XXXX XXXX refused payment under those conditions. XXXX XXXX acknowledged no contact was made with me before this account was placed for collections. The phone number they had for me was not mine. The email they had for me is not mine. The address they have for me is an XXXX that I had used. I have not had a permanent address since XXXX. 

I am currently homeless and have worked very hard to build my credit. This derogatory mark on my credit is keeping me homeless and has made all of my hard work building my credit vanish into thin air. I had hoped to buy a home in XXXX. 

What is the upside of me paying this? The damage is done. I just want to pay this and have it not be on my credit. I would have paid this at anytime if I had known about it. My contact information is on my credit report. I could have been easily contacted at any point.
Consumer complaint received 2018-05-17
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: EQUIFAX, INC. (GA)

Disputed errors on y credit file and the results came back as verified with Equifax the following address XXXX XXXX XXXX XXXX. XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX  XXXX XXXX. XXXX, Ga XXXX and the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX XXXX {$2500.00} XXXX
Consumer complaint received 2020-02-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (NY)

CashApp aka Square Inc closed my account with 0 notice with a balance of {$650.00}. They gave me an option to transfer monies into my bank account, so I did that. I went to the bank and pulled transaction notes and they reversed my {$650.00} And its no where to be found
Consumer complaint received 2022-11-23
Product: Credit card or prepaid card — Store credit 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. (GA)

I purchased XXXX XXXX XXXX Chair with Cushions and XXXX Dining Table that was shipped on XX/XX/21. Both items were returned for a subtotal of {$850.00}, and this should of been applied to my Wayfair Credit Card ( documentation attached ). However, I do not believe I was credited on my credit card, and continue to pay to date. I have attempted to research this information online and by phone with the customer service representatives.
Consumer complaint received 2022-11-23
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. (NJ)

In accordance with FCRA. The accounts listed below violated my rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX # 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 consumer reporting agencies can not furnish an account without my written instructions 15 U.S.C, 1681s-2 [ A ] [ 1 ] A person shall not furnish any information relating to the consumer to any credit reporting agencies if the person knows or has a reasonable cause to believe the information is inaccurate
Consumer complaint received 2022-02-24
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 — Problem with personal statement of dispute
Company: FIDELITY CAPITAL HOLDINGS, INC (TX)

This company trying to charge me for rental month when i lived at address XXXX XXXX XXXX XXXX XXXX Texas even tho we moved out properly. Gave proper notice 60 days we was moving because my partner at the time was in the derives and had to change military base. cleaned up left house immaculate after we left and they still charged me. Took my deposit and on top of that said I still had to pay another months rent. I refused to pay because it was unfair they turned around and report it on my credit. I contact them tried to resolved send documents of proof and the rejected all responses. So now need this claim to be filled against the creditor for being bias and one sided. I need this removed off my credit asap for I do not owe this.
Consumer complaint received 2022-11-10
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (IN)

I had purchased a XXXX listing service that did not provide what was promised. I canceled it/ the service, the same day the charge went through. 
Very upset that USAA and XXXX are not reversing this charge. 
A contract works two ways and when the seller does not honor the promised product a consumer should not be forced to pay. 
Very disappointed in XXXX and USAA. 
We have removed all our accounts for bad customer service from USAA and this one will be next, once paid off. 
Please assist, USAA spent hours on the phone with me going over the details and I have sent a lot of information. There is no way this was investigated properly, if it was then someone needs to make it right. 
Thank you. Also, the disputed transaction is with XXXX.
Consumer complaint received 2023-03-27
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. (TX)

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 : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-27
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. (GA)

This is my 6TH 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
Consumer complaint received 2023-03-27
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. (IL)

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 an alleged fraud or extortion. XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$110.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX.
Consumer complaint received 2022-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: STERLING JEWELERS, INC. (VA)

In XX/XX/2018 my house was caught in the devastation of the hurricane following this I sustained damage, loss, and significant financial strain. With this situation at hand, I was unable to make my XXXX card payment. I reached out to the card organization and explained that I was affected by a natural disaster. I resumed payments the very next month and have been otherwise consistent throughout the entire 11 yrs I have held this account. What I do not understand is why this specific reporting during this time was not reported as AW to reflect that I was impacted by a natural disaster. I have even reached out and requested goodwill removal only to be met with " We are required to accurately report. '' I believe that the way this mispayment is being reported is misleading and does not in fact hold true to " accurately reporting information. I did some research and there were actually studies conducted by the CFPB outlining how crediting reporting during Hurricane Florence impacted many consumers.
Consumer complaint received 2023-03-27
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. (FL)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

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
Consumer complaint received 2022-11-10
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (ME)

This is a formal complaint regarding my credit report showing fraudulent inquiries. I never authorized any inquiries. See attached documents for inquiries that are caused of fraud.
Consumer complaint received 2022-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc. (TN)

Money lion keeps changing my payment history. At first it was only one 30 day late from XX/XX/2020. I disputed it and it came back as accurate which isnt true. So I contacted their customer service and was told I wasnt late and they would correct it. Well today I was notified of 2 60 day lates from XXXX 2020. At this point I want the account removed from my credit report, because they are updating my credit report with inaccurate information, causing my credit score to decline on a paid loan.
Consumer complaint received 2022-11-10
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. (FL)

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
Consumer complaint received 2022-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I received a copy of my credit report and, to my surprise, you are reporting a lot of incorrect information. You have several incorrect personal identifiers listed in my credit file and I am requesting that you remove any information that is not completely accurate. I am seriously concerned that the information that you are incorrectly reporting may send personal mail to the wrong address and jeopardize my identity or lead to fraud if it has not already.
Consumer complaint received 2022-02-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc. (MD)

I mailed XXXX 2 notices via certified mail about an alleged debt. The first letter was mailed on ( XX/XX/2021 ) & I asked XXXX for the original instrument of indebtness so I can make arrangements for this matter. They did not respond to my first letter so I mailed them another notice via certified mail on ( XX/XX/2021 ) which they did receive but I never received a response to that notice as well ( Certified Tracking Number : XXXX ). Even though they did not respond to my letter they continued update my consumer credit reports by removing missed payment history, and still reporting these accounts to the consumer reporting agencies.