davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Block, Inc. (OH)

A contracting company XXXX XXXX XXXX XXXX XXXX ( XXXXused going forward ) did work. They did not finish and I had already paid on XX/XX/XXXX, XXXX XXXX. I suspended the payment that I made with XXXX card to XXXX. XX/XX/XXXX, after repeated calls to XXXX and not getting the phone answered or called back and reading online that XXXX  does not complete work and does not call back. I paid someone else to have part of what XXXX  did not complete done because it was an electrical safety issue and fear of fire. XXXX did come and do more stated to be done work and insisted to be paid with a cashiers check. I called XXXX and asked about giving a cashiers check, I was told to have XXXX  write on XXXX letterhead accepting check instead of XXXX card payment by XXXX XXXX. ( a XXXX  employee ) I did what XXXX told me to do and they charged me and paid XXXX again. XXXX said they received a statement from XXXX   and because of the statement from XXXX  XXXX  paid XXXX. I called XXXX and talked to XXXX. He stated he did not get paid by XXXX and that the company he uses Square or XXXX must have the money. XX/XX/XXXX. There have been multiple phone calls to XXXX and XXXX. I also sent messages to Square. I am being charged and XXXX was paid with the requested check. XXXX stated that because of statements from XXXX  I do not have enough proof to show XXXX was paid for the XXXX transaction. This is just a summary I have multiple dates and conversations too many to put here. XX/XX/XXXX XXXX XXXX ( XXXX ) insists that Square has the money and in his words '' is holding it hostage. " Also, note the check was cashed before the XXXX complaint was received by XXXX card. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Oh XXXX XXXX Square, Inc. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , CA XXXX
Consumer complaint received 2021-08-20
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: EQUIFAX, INC. (MN)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the Equifax, XXXX and XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-08-19
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. (IL)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Harris & Harris, Ltd. (OH)

I have 2 accounts on my credit report from Harris & Harris involving XXXX XXXX XXXX. The dates they have given are XXXX XXXX XXXX and XX/XX/. Both of these accounts have been submitted to both of insurances and I have been told by them that they have been paid. Harris & Harris knows this is the case because they did same thing on a previous date and I disputed it and they deleted it. This is that account and they put it back on. I tried to disputed it again however now they are saying it is accurate. Which it is not. I had XXXX XXXX and also XXXX XXXX and had a zero balance.
Consumer complaint received 2021-08-20
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. (GA)

On XX/XX/2021 I sent a letter to XXXX and Experian to remove a bankruptcy on my report that is inaccurate and does NOT belong to me. 

I even sent a letter supporting my case DIRECTLY from the courts stated that no record or case number has been found under my name. 

This request to have XXXX  and Experian to remove the inaccurate and unverifiable bankruptcy from my report. 

Thank you, XXXX XXXX
Consumer complaint received 2021-08-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ERC (TX)

Never received written notification of the old debt. Found it as a charge off on my credit report. Contacted the organization to pay to obtain a goodwill pay for deletion. I made payment to the collection agency and they never sent me a receipt showing that I paid and that they would do the goodwill receipt and that was a deceptive practice just to get money from me and is further impacting my changes of obtaining my current underwriting of a mortgage. I paid with my debit card showing I paid but they have not sent me the information of receipt ad promised
Consumer complaint received 2021-08-03
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: Global Lending Services LLC (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2021-08-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated (CO)

I made an XXXX XXXX visit to XXXX XXXX in XXXX, Colorado in XX/XX/XXXX. I was covered by health insurance at the time and paid a number of bills related to the visit out-of-pocket up to the point of maximizing my deductible. More than 2 years later, in XX/XX/XXXX, I received a letter from XXXX XXXX XXXX attempting to collect a bill from Colorado XXXX XXXX XXXX for {$450.00}. I called XXXX and requested a copy of the bill and contested the validity of the outstanding amount since I had maximized my deductible under the policy. I could not find any record of having received the bill or any correspondence with my insurance company in my personal files. I never received a copy of the bill from XXXX, so I sent a letter to XXXX contesting the debt on XX/XX/XXXX. I have a copy of the letter and I sent it certified mail, return receipt. I never received a response to the letter from XXXX. 
I received a letter from another collection agency, XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX trying to collect the same debt. I called the agency and explained that I had previously contested the debt and again requested a copy of the bill. I never received a copy of the bill. I sent a letter to XXXX  dated XX/XX/XXXX explaining that I had previously contested the bill and repeated the reasons I was continuing to contest it. I requested that they discontinue an further harassment of me about the matter. 

I just received a letter from a third collection agency, CACi, dated XX/XX/XXXX trying to collect the same bill. I called CACi and attempted to explain that I have contested the debt twice already and don't think I should have to do so again for a third time. CACi stated that they are representing an organization called XXXX XXXX XXXX who is the " owner '' of the account. CACi offered me no other solution other than to contest the bill in writing a third time. I once again requested a copy of the bill from CACi, and the supervisor I spoke to said they couldn't provide it to me. 

Since I have never received any responses to my previous letters contesting the bill, I believe this now amounts to harassment and should cease. Thank you!
Consumer complaint received 2021-08-19
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: OneMain Finance Corporation (CO)

I submitted a dispute for a 30 day late payment that was inaccurate from Onemain and the 3 credit bureaus. This bank failed to send me billing statements from XX/XX/2021 to XX/XX/2021 even after I canceled the elections statement XXXX from the Branch mananger talked to me and assured me i would get my statements watch did not happen. I received a call saying my payment did not go through due to an error from on their website for XX/XX/2021, I was told because of their error i would not get a late payment or a late free. I have never had a late payment with this bank and had perfect history. Once again I did not receive a billing statement on XXXX or XXXX so I call in and paid off the whole balance because they keep having issues with sending me billing statement and issue with their website. I was applying for a Loan In XXXX and was information they put a late payment on me when it was their error they did not comply with FTCTA Act where they are required to notify me the insertion of a negative listing .They did no such thing. ( FCRA 623 ( a ) ( 7 ) Negative Information ( A ) Notice to Consumer Required ( I ) In general. If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 603 ( p ) furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer.

( ii ) Notice effective for subsequent submissions. After providing such notice, the financial institution may submit addit
ional negative information to a consumer reporting agency described In section 603 ( p ) with respect to the same transaction, extension of credit, account, or customer without providing additional notice to the customer.

( B ) Time of Notice ( 1 ) ( I ) In general. The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative Information to a consumer reporting agency described In section 603 ( p ).

( II ) Coordination with new account disclosures. If the notice Is provided to the customer prior to furn I sh Ing the negative Information to a consumer-reporting agency, the notice may not be included in the initial disclosures provided under section 127 ( a ) of the Truth In Lending Act. The Bank did no such thing. I also have not head back from dispute from Onemain and ignoring my dispute all documents enclosed
Consumer complaint received 2021-08-19
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. (GA)

Ive placed a fraud alert on my credit file. Equifax is still allowing my report to be pulled without my consent. Its been people fraudulently pulling my report. Please help me with this, this is a volation Per FCARA. I must look into getting legal help with this. The following inquiries are 1 XXXX XXXX XXXX 2. XXXX/XXXX  XXXX 3.XXXX XXXX XXXX 4.XXXX XXXX XXXX XXXX 5 . XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX 7.XXXX/XXXX  XXXX
Consumer complaint received 2021-08-19
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: EQUIFAX, INC. (MN)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 31 days later I have not received a response yet. I feel like Im being being ignored and taken advantage of. After taking some time to do research on this matter, I concluded that a failure to investigate these items within 30-45 days gives a reason to immediately remove those items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation, due to the XXXX  you caused me.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I sent an initial complaint dated XX/XX/year> with the inaccuracies that are being reported differently across Experian and XXXX. They ( XXXX ) received that letter with certified returned receipt on XX/XX/year>. I received NO RESPONSE to both mailings. A second letter was sent on ( XX/XX/year> ) certified signature required with further violations highlighted received on XX/XX/year> still with NO RESPONSE. I hope they cure the deficiencies by fixing or deleting the inaccurate items as required by Law.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXXXXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2021-08-19
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. (TX)

Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.
Consumer complaint received 2021-08-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Blackhawk Network Holdings Inc. (IL)

I was issued a Prepaid Mastercard Virtual Debit Card with a high balance but given a short expiration date within which to use it of approximately 6 months. I did not use the entire amount before expiration but can not figure out how to obtain a replacement card for the remaining balance of several XXXX dollars. I can not even figure out how to speak with a Customer Service Representative, since when I call the number of the back of the card XXXX I get put into an endless loop of IVR selections. The company is " MyPrepaidCenter '' through BlackHawk Network & XXXX.
Consumer complaint received 2021-08-03
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. (TX)

I paid my auto loan in full on XX/XX/2021. However the balance was never removed from my credit report so I filed a dispute. 

Equifax sent me dispute results. The file containing said dispute results is corrupted and will not open. 

Despite providing them with documentation showing that the XXXX note was paid in full, Equifax is still reporting that the account was closed with a {$5000.00} balance. They also dropped my credit score XXXX ( XXXX ) points.
Consumer complaint received 2021-08-20
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. (PA)

XXXX, Equifax, and XXXX  are currently violating my consumer rights by improperly utilizing confidential information contained in my credit file without my expressed written consent. Furthermore they are reporting inaccurate information thereby defaming my reputation, their actions continue to negatively impact my ability to engage in commerce. They continue to violate my privacy rights and are failing to assure the maximum possible confidentiality, accuracy, relevancy and proper utilization of my consumer information. 
I am aware that the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
I am also aware that consumers have rights to privacy and the invasion of privacy laws and statutes have been enacted to prohibit conversion and unauthorized use of consumers information from being utilized improperly or made public, without their explicit consent pursuant to 15 USC 1681 ( a ) ( 4 ), and according to FCRA unverifiable and unauthorized account must be removed.
Consumer complaint received 2021-08-20
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC
Consumer complaint received 2021-08-19
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. (NC)

under Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692 et. seq XXXX XXXX XXXX XXXX has violated my right by using abusive, deceptive, and unfair debt collection practices. i was told that i would be removed from XXXX XXXX along with my overdraft checking account that was in charge off status will be removed from negative reporting. so i agreed to pay the total of {$300.00} for my over drafted account. once i paid i was removed from XXXX XXXX and the Negative account or overdraft was never removed or payment history corrected as promised, only remark was ( paid, was a charge off but the missed payments still show. when i called to workout my issues i was told i paid the account willingly on my own and no one agreed to do anything for me.XXXX XXXX XXXX XXXX deceived me and choose to report the account in a Negative viewing still after i paid in agreement. Section 15 U.S. Code 1692h Section h permits you to dictate the account ( s to which the payment is to be applied, as well as prevents the collector from applying payment to a disputed account. such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumers directions. XXXX XXXX applied my payment without consumer direction in mind i will be submitting an Affidavit of truth and prepare for monetary award and request the debt collector to pay your attorney fees if this is not updated.