davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-26
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. (FL)

I have opened XXXX separate disputes for an account I paid in a settlement and both disputes came back as if I still owe the money. I have called the original reporting agency ( XXXX ) and they stated that they have not responded to any current disputes, they have also confirmed with me that I have a XXXX balance. I supplied Experian with the paid letter 2 times and still, they refuse to update my credit report. 

On another instance XXXX sent 2 out of cycle reporting to Experian advising them that I had paid off my balance and Experian did not acknowledge it, I had to submit 2 disputes with them to fight this. The first one came back as if I didn't pay and the second one only came back correct because I sent them a credit card statement and an email from discover confirming my XXXX balance.
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I sent a letter back in XXXX... XX/XX/XXXX ... and I DID NOT receive a re-investigation as requested. That is a violation of my rights! 

Please have this company RE-INVESTIGATE my accounts because I have reason to believe that they are reporting inaccurately. 

Thank you!
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

I don't recognize these inquiries nor have I applied to them, these companies accessed my credit report without my permission, resulting in damage to my credit and score. Despite contacting Experian and being assured that these inquiries would be removed, they still appear on my report. These unauthorized and fraudulent inquiries are causing me significant anxiety, as they may indicate I'm a victim of identity theft, adding unnecessary stress to my life and further impacting my credit score.
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted : XXXX XXXX Credit Bureau Inquiries Inquiry Date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry Date : XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

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 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 2023-08-26
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. (FL)

15USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information..

The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance.

Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately.

Before you think to reply that this account has been validated, let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. 
Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2021-11-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (GA)

On monday XX/XX/XXXX. My cash app account was hacked for $ {$8800.00}. About XXXX was on XXXX and the rest savings. Cash app has no customer service and all these mobile platforms have the same theme wherein they are allowing these hacks to occur to the general public. I called cash app customer support and no answer. I can't use email because my whole account is missing. Last year I was hacked via cash app. I had all the security setups a person can have. It seems like these hacks use a sophisticated technology as my whole cash app account is gone. Why are all these hacks ALLOWED to occur to the people across country. we have the technology to stop this. I not stupid as I have communicated with these hackers and the one common theme is they tend to be of XXXX descent. The same happened with XXXX where I lost XXXX last year with no resolve. Since all this stuff is digital it's a matter of time before the next person get targeted.
Consumer complaint received 2023-08-29
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. (MD)

XXXX XXXX has been causing me a lot of hardship by continuing to report inaccurate information on my credit report. I started to file disputes for investigation in year XXXX. They have also been continuing to call and harass me for payment arrangements on an unverifiable account that has not been proven to be accurate. I have made multiple investigations and no changes have been made. 
They have been in violation on multiple account possible having to cause me to hire an attorney. They have told me via mail letter in XX/XX/XXXX that everything was accurate, and I pulled my credit report XX/XX/XXXX and it's still not accurate nor has this account been verified as accurate this has been reporting for 7 years to date. 

602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. 

605. Requirements relating to information contained in consumer reports ( 15 U.S.C. 1681c ) ( 4 ) Accounts placed for collection. Or charged to profit and loss which antedate the report by more than seven years. 

606. Disclosure of investigative consumer reports [ 15 U.S.C. 1681d ( I Did not receive any1099 for this account charge off, I did not receive all information that was requested. ) 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Please remove this account. 


XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, UT XXXX
Consumer complaint received 2023-08-26
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

after 3 year having the accounts in question capital one closed my accounts for no reason when in was only one payment behinfd on XX/XX/XXXX my next payment statement went out on the XXXX of same month i asked why they closed my accounts and i was told because i sent in a payment coupon endoresed PAY TO BEARER WRITTEN ON THE FRIN OF THE PAYMENT COUPONXXXX, VA XXXXXXXX XXXX  Capital One. Capital One is a federally registered service mark. All rights reserved. 
XX/XX/2023 Re : Accounts ending in XXXX, XXXX and XXXX Capital One Case : XXXX CFPB Case : XXXX Dear XXXX XXXX XXXX Were reaching out to you about the concern you submitted to the Consumer Financial Protection Bureau ( CFPB ), regarding information weve reported to the Consumer Reporting Agencies ( CRAs ). 
Thank you for speaking with us on XX/XX/2023. During our call, you indicated that you believe the reporting on your Capital One accounts is inaccurate because charged off accounts should not be reporting to the CRAs. However, weve confirmed Capital One does not delete accounts in exchange for payments and will reflect a paid in full/settled status when applicable. We may report for up to seven years from the first date of delinquency. Please refer to the CRAs directly for more information regarding when the accounts will no longer reflect on your reporting. 
As a reminder, your accounts were closed on XX/XX/2023. We sent letters ( enclosed ) explaining the reason for the closures. 
In your request, you indicated that you believe we should not be reporting your accounts to the CRAs. However, according to the terms of your Credit Card Agreement, we may report information about your accounts to credit bureaus. Late payments, missed payments, or other defaults on your accounts may be reflected in your credit report.

Weve confirmed that were reporting accurate information. For this reason, we are respectfully declining your request that we ask the CRAs to change the information we're reporting about these accounts. 
If you have any questions or concerns, please call XXXX. Our Customer Service Representatives are available 24 hours a day, 7 days a week. 
Sincerely, Capital One Customer Advocacy Office Enclosures cc : Consumer Financial Protection Bureau my accounts were closed before i was even two payments behind yet capital one continued to report my account past due and late as if i was 180 days late on my payments and i had only missed one payment
Consumer complaint received 2023-08-26
Product: Credit reporting 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.

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 2024-10-26
Product: Credit 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: NAVY FEDERAL CREDIT UNION (PA)

I am writing to address an ongoing issue regarding unauthorized charges on my credit card and the subsequent impact on my account. 

On XX/XX/2024, I was alerted to suspicious transactions on my card, including a charge from XXXX XXXX for {$1200.00} and another from XXXX for {$190.00}, along with several declined transactions. I was in XXXX, Florida, at the time, and I received a call from Navy Federal to confirm these transactions. During the call, I declined the transactions due to the suspicious activity but later realized I had made an error in identifying legitimate transactions. I promptly called Navy Federal to clarify which charges were fraudulent versus valid. I was assured that my case would be reopened and requested proof of the disputed transactions. I also provided evidence of my presence in XXXX, including tickets and transaction records in Florida. 

Since then, I have not received any follow-up regarding my case, and my account has been charged overdraft fees. Additionally, I have now been sent to collections due to late payments resulting from these unresolved issues. 

Please assist me in resolving this matter as soon as possible and advise on any steps I need to take to correct my account status
Consumer complaint received 2023-08-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Paramount GR Holdings, LLC (NJ)

On XXXX XXXX my wife XXXX XXXX XXXX enter into a contract with XXXX XXXX XXXX XXXX XXXX  XXXX and Goodleap llc for solar panels. She used my personal information to obtain the financing for solar panels without my consent and knowledge. On XX/XX/XXXXXXXX  in was aware of installation of solar panels. On XX/XX/XXXX while checking my credit reports I asked my wife about Goodleap llc on my reports for {$55000.00}. She said nothing to me and said you should check it out. On XX/XX/XXXXXXXX   I was about to get in contact with representative from Goodleap and XXXX XXXX XXXX they told me my wife used my personal information to obtain loan for solar panels. I spoke with sales representative XXXX XXXX and liaison XXXX XXXX for a XXXX based organization that donates to local churches for solar panel referrals. She told them that she has Power of Attorney for me but never produced any documents and they signed the contract s on good faith.
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: Experian Information Solutions Inc. (WI)

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXX XXXX XXXX Account Number : { XXXX } { XXXX } Date of Charge-Off : { XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX } XXXX It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

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 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 2017-11-28
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. (WI)

I am writing to dispute the following information in my file. I recently received a copy of my Equifax, XXXX & XXXX  credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  11/21
Consumer complaint received 2017-11-28
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Servis One, Inc., Titusville, PA Branch (NC)

XXXX XXXX XXXX underwriting has canceled my request for a loan modification. Stating I did not send a requested document. They are asking for a recent benefits letter from the VA for my XXXX-year-old mother with XXXX whom I care for. She has not been approved for Aid and Attendance " yet '', and we are still waiting for VA 's approvals. I can not give XXXX something I do not have. This is future income and benefits, and I have stated such. A letter from XXXX on XXXX XXXX, 2017 states : " Your application remains incomplete and have canceled your request for an evaluation of your loss mitigation application. '' Next, I have waited for years for XXXX to modify my loan and they have denied my request. At the last minute as my home goes into foreclosure XXXX said, they will send me a packet for loss mitigation. As my amount due goes into overdrive to where it is impossible to pay as they make MORE money on my hardship. 

I need help!
Consumer complaint received 2017-11-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: SLM CORPORATION (GA)

For the last 2 years, I have been making payments to them and when I tried to get my payments lowered they told me they could not do it. I was making my payments on time for 6 months plus on time then they decide to change my payment after I called them to tell them not to change my payments because I was going back to school. Then they tried to charge a late fee and add an extra payment at the end of my loan after I talked to one of their customer service representatives and told her not to change my payments. This year has been challenging because I know I signed up for fixed interest rates but they said I did not and now my payments keep going up because of that incident I just explain.I am so ready to pay them off it took me 1 1/2 years to get my payments under {$10.00}, XXXX. I signed up for interest only payments because after reading the instructions that were misleading I thought I paying off the a set interest rate that was accumulated on the principal of the loan but I was not. Now my payments are going up a {$1.00} it seems like every month. I was at {$210.00} now I am at {$210.00}. I just hope it stays there because I can not afford to go any higher and they are not willing to help with getting my payments decreased.
Consumer complaint received 2021-10-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (TX)

I have a cashapp account and collected hundreds of dollars between a private transaction. I have not been able to access the account due to a change of personal contact information. When you attempt to call. They redirect you to app.support. when you attempt to seek help on the app, they redirect you to phone. It's a perpetual state of a runaround. I need access to my funds and can not due to a simple change in a phone number. I have attempted to contact them and only receive a voice mail and magically no call. And it appears these are deceptive practices with no way to reset passwords or account information. I have been unable to communicate with anyone at cashapp. And further I have not received any funds. This is theft, consumer negligence and poor practices that must be regulated further.