davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and list of Inquiries.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-12-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (NY)

ON APPROX XX/XX/2021 MY CASH APP ACCOUNT WAS DEDUCTED {$120.00} FROM AN UNKNOWN PERSON. i IMMEDIATLEY NOTIFIED CASH APP BUT ABOUT A WEEK LATER THEY REFUSED MY REFUND EVEN THO THEY KNEW IT WAS FRAUD AND/OR A SCAM.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company (PA)

On XXXX XXXX we e-paid our mortgage to Freedom Mortgage for the full amount {$1900.00}. On XXXX XXXX we received a payment returned notice from Freedom Mortgage, they stated there were insufficient funds. 

This was not true and I copied my checking account statement from my bank from the dates they claimed to have presented the check for payment, which was XXXX XXXX. I sent the copies to them by their emial system. I also called my bank to see if the problem was their end. My bank said they never received any call or claim for these funds from Freedom Mortgage from their epayment system. The Freedom Mortgage system just did not register my payment and then they marked us 30 days late. I sent this bank statement to them to ask them to correct this mistake. They wrote back by email that there was no mistake and that there were not sufficient funds and did not correct their 30 day late status. They also attached the detailed spreadsheets showing we paid late in XXXX and this is their proof that we paid late. We did not pay late, their e-system was broken. 


I also have disputed this mistake to credit bureaus XXXX and XXXX who did not update our account after I disputed it. This mistake is due to a technical glitch on the part of Freedom Mortgage, who has insisted they are right when I have proven with my bank statements this is not correct. 

Would this office be able to help?
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I'm lodging a personal complaint about late payments on my credit record. Upon review, I've identified these late payment entries. I sent inquiries over 30 days ago but have received no response or proper validation. I'm seeking your help to resolve this issue quickly and effectively.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-09-19
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: Experian Information Solutions Inc. (MI)

I recently checked my credit report on XX/XX/XXXX. I've noticed that Experian is reporting a Charge-off account XXXX with XXXX XXXX XXXX XXXX . I have sent a certified letter directly to XXXX ( See Attached Documents ). 
My 1st attempt was on XX/XX/XXXX was when I sent a certified letter. To the creditor XXXX XXXX XXXX XXXX ( See Attached Dated photo ) then later received a confirmation signature. That they did in fact received my letter requesting proof of original documentations.

I have yet to receive any original documentations, know proof of payment history, not even any form of documentations producing my signature.

I sent another certified letter with confirmation signature. On XX/XX/XXXX requesting XXXX XXXX XXXX XXXX to send the original documentations, all payment history information and the 1099 letter.

Which is a clear violation of USC 1681 e ( b ). They have also violated 15 USC 1681 s-2 ( a ) & ( b ), 15 USC 1681i ( A ) ( i ) & ( ii ). According to 15 USC 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I ask that XXXX XXXX XXXX XXXX be removed from my Experian credit profile. After numerous attempts of requesting original contract documentations from the creditor. That they have fail to provide or priduce any documentations.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I have a charged-off account with XXXXXXXX XXXX XXXX XXXX XXXXXXXX with an original balance of {$8200.00}. I contacted the bank and learned that XXXX is managing my account. On XX/XX/2024, I set up a payment plan with XXXX for {$120.00} per month and made my initial payment. 

Despite this arrangement, XXXX XXXX XXXX  reported to the credit bureaus on XX/XX/2024, that I have not made any payments and that my outstanding balance is {$12000.00}. This is inaccurate and damaging to my credit report. 

I have attached documentation of my payment plan and proof of my initial payment. I would appreciate your assistance in resolving this issue.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I'm asking for Debt Validation... According to 15 USC 1692g requires debt collectors to follow CERTAIN procedures when validating debts : XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 1. I want a detailed list of payments made by me on these accounts. 2. I want to see a signature that I put on a contract guaranteeing that I would pay this creditor. 3. I'm asking to see if there has been any insurance CLAIMS found on these debts. 4. I want proof that you have the chain of title to collect on these debts. Also, According to 15 USC 6802 : Obligations with respect to disclosures of personal information. ( a ) Notice Requirements A financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a Notice that complies with section 6803 of this title. You ; have violated all ABOVE laws.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Upon reviewing my payment history, I noticed that although my payments were made within the required 30-day period, they were posted to my account after the 30-day mark, resulting in a late payment being reported on my credit report. XXXX payments were made the month XX/XX/year>. XXXX on XX/XX/year> and the other on XX/XX/year> for the entire balance. However payment, didnt post to my credit card until XX/XX/year>, causing the 30 day late. Please see attached highlighted payment history from my XXXXXXXX XXXX  transaction list.
Consumer complaint received 2024-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC. (FL)

My debit card transactions are consistently denied for security reasons, despite repeated verifications through phone calls and chats confirming that these transactions are neither fraudulent nor a security concern. For nearly two years, I have used my debit card weekly to transfer funds to XXXX XXXX without any issues. However, starting approximately two weeks ago, these transactions have been blocked without explanation. 

When I contacted support, I was informed that these denials are due to a security flag. Yet, no one at the bank can provide a specific reason for this change or offer any resolution. Support acknowledges that this was previously allowed but can not determine the cause of the recent blocks or take steps to correct it. 

I request a thorough investigation into the root cause of this issue, along with an immediate fix to allow me to use my debit card as I have in the past. My goal is to restore uninterrupted access to my funds and to continue using my account and card reliably.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

I disputed the collection agency XXXX XXXX XXXX regarding the Original Creditor XXXX XXXX XXXX a XXXX  bill with all three agencies. I noted that based on cfpb XXXX  bills would be removed or not listed on reports, however, they all left it on the report. 

I noted and provided the link to the XXXX  for XXXX. I also chatted with XXXX 's rep and they also said the XXXX  bill shouldn't be listed even if it's a collection agency listing them. If you XXXX XXXX XXXX XXXX XXXXXXXX XXXX centers populate. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX  I attached the chat transcript and highlighted the rep 's entry that XXXX  bills shouldn't be listed. 

By the way, the name on this account is incorrect, it's XXXX and not XXXX.
Consumer complaint received 2024-11-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (IL)

On Saturday, XX/XX/XXXX, I called Ally Bank to update the XXXX phone number associated with my checking account. My new phone number is already associated with my Ally account, as I added it to the XXXX section on XX/XX/XXXX. However, updating the number in the XXXX section and the XXXX number are XXXX unrelated sections, as on XX/XX/XXXX I got an email from Ally that my old XXXX number was deactivated. 

When I called on XX/XX/XXXX, I was greeted and verified by the customer service representative, who put me on hold to investigate my issue. I was put on various lengthy holds and was simply given a case number after being told she could not verify my new number despite it being present on the account in my account profile. I then found around XXXX that night that she had locked my account, preventing me from using my debit card or accessing my online banking. 

I tried calling on both Sunday the XXXX and Monday the XXXX, but I could not reach anyone as this was a holiday weekend. When I finally reached someone on the XXXX, I was once again advised that I can not be verified via my phone number despite it being present in the system, and I was instead attempted to be verified with a quiz that was drawn from public record. This quiz involved questions pertaining to individuals who share my last name that I have no relation to or knowledge of. I was then advised that I failed the quiz and had to wait 1-4 business days to be contacted by a higher tier of the account specialist team, all while being cut off from access to my funds and online banking.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I am writing to formally request the immediate blocking and deletion of accounts that were fraudulently opened in my name as a result of a data breach. I am a victim of identity theft, and these accounts are not authorized by me. Under the provisions of the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 U.S.C. 1681c-2 ( a ), I am entitled to have these fraudulent accounts permanently removed from my credit report.

The fraudulent accounts are as follows : XXXX XXXX Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$17000.00} XXXX. XXXX XXXX Account # XXXX, Date Opened : XX/XX/XXXX, XXXX : {$2600.00} XXXXXXXX XXXX XXXX XXXX Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00}
Consumer complaint received 2024-10-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Skrill USA, Inc. (TX)

I am filing this complaint against Skrill for its failure to resolve a payment transaction issue that has been ongoing since XX/XX/2024, when I initiated a transaction that has been on hold without any resolution despite numerous follow-ups. 
Issue Summary : Transaction Date : XX/XX/2024 Transaction Amount : {$300.00} USD Receipt ID : XXXX Transaction ID : XXXX Despite providing Skrill with all necessary details, including the senders and recipients information, and repeatedly requesting either a resolution or cancellation of the transaction, Skrill has not taken any meaningful action to resolve the issue. 
Specific Concerns : 1.Delays in Reversal : I have requested Skrill multiple times to reverse the transaction and return the funds to my account. Skrill has either ignored my requests or provided vague responses, failing to act on the situation. 
2.Lack of Communication : Skrills customer service has been unresponsive, leading to an extended delay, which has caused significant frustration and financial inconvenience. 
3.Request for Resolution : I request that Skrill immediately cancel or reverse the transaction and return the funds to my account using the original payment method. I am also seeking compensation for the inconvenience caused by their poor service and delay in resolving this issue. 
Desired Outcome : Immediate cancellation or reversal of the transaction.

Confirmation of the funds being returned to my account. 
Clear communication on the steps taken by Skrill to resolve this issue.

I look forward to the CFPBs assistance in ensuring Skrill resolves this matter promptly and improves their handling of such cases in the future.
Consumer complaint received 2023-07-17
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: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I've complained about being a victim of identity theft. You must remove any items that were 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 XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-08
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)

iam a victim of identity theft and i ve never used my credit i found these fraudulent accounts on my credit report and i dont even know how they reported with me knowing or receiving anything this is illegal as of 15U.S. Code 1692g validation of debts and 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. 15 U.S.C 1681 SECTION 604 A section 2 : it also states a consumer reporting agency can not furnish an 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, other than records of convictions of crimes which have dates the reports by more than seven years.15 U.S.C.1681s-2 ( a ) ( 1 ) A PERSON SHALL NOT FURNISH ANY OIONFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON knows or has reasonable cause to believe that the information in inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and all these inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America has this " feature '' called BankOfAmeriXXXX. Essentially, you click offers for your account, then conclude a transaction in the time frame. I did so for a dishwasher from XXXX. According to BoA, XXXX performed some an auth on the XX/XX/XXXX, within the timeframe, only to " capture '' on the XXXX, outside of the time frame. I got bounced around to at least five different departments who acted like they'd never heard of BankOfAmeriXXXX The fraud department told me to file a fraud claim. Bank of America now disputes this being fraudulent, but I believe there was clear fraudulent behavior here, if not outright collusion between BoA and XXXX. 

Anywho, most of that is now immaterial, because the dishwasher I ordered was never delivered. I was given a deliver window in XX/XX/XXXX from XXXX to XXXX. At XXXX, with no delivery, I called XXXX and cancelled the entire thing. There is no disagreement that I'm owed a refund, but XXXX says they're powerless ( absurd ) without the shipper, who I have no way to even contact, sending it back. It's been literal months now. XXXX did not contact me today ( XX/XX/XXXX ), despite assurances to do so. Chargeback it is! 

Now the complaint : Bank of America claims they can't help me. They claim the only people who can help me are open during very limited hours when I'm working. They claim they're unable to send more than XXXX characters to other departments ( after about 30 minutes of me simply asking they do this ). So, basically, BoA agrees with the assessment that this is a legitimate chargeback, but that they're also allegedly helpless. It's a ridiculous assertion. How can a multi-national bank, allegedly " too big to fail '', be unable to address fraud? 

I am attempting to dispute a transaction to XXXX for {$670.00}. I remain dishwasher-less, months later. Today is XX/XX/year>.
Consumer complaint received 2024-08-19
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. (FL)

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXXXXXX Balance : {$12.00}XXXX XXXX XXXX XXXX Balance : {$4.00}, XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$5.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$1.00} XXXX XXXX XXXX XXXX Balance : {$140.00}
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-19
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. (TX)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX