davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I received a letter from a creditor where one of my credit cards was closed. The letter states that they based their decision on the TransUnion report due to a low score and some information that I am not aware of dealing with real estate. I tried unsuccessfully to try to contact them via phone or website. Both places blocked me from getting any information regarding my own report due to the inability to verify my information. I believe this is a sorry service. There is no way to get my information. I have to wait until I can get a paper credit report which will not contain the score - because this company charges for a score. I tried paying for the score but I got blocked for doing so. So how am I supposed to file a complaint to a company that got the wrong information if I can't get the information requested myself? TransUnion has the ability to ruin someone's score based on incorrect information. Yet, I can't even reach them by phone or online due to their sorry customer service.
Consumer complaint received 2021-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Dear CRAs Mgr ; For the last few months, I been trying to remove some negative unknown, former, previous old addresses from my credit but your organization has failed to comply with my request. 

The only name, address, social security number, and date of birth that should be reported on my credit profile are the ones listed above and in the documents attached with this letter. Any and all others are inaccurate and/or outdated and must delete immediately from my credit report. I noticed errors with my personal information, misspelled of my actual name, wrong, unknown old previous addresses, and some non-accounts hard inquiries that I'm not 100 % sure how it's here, and how you can mix such file. 

This is a big issue for me, and I believe any information that are inaccurate and/or outdated must be deleted immediately from my credit report as they are not reportable as per the FCRA, since they are inaccurate. 

XXXX XXXX XXXX XXXX, MA XXXX!!! 
XXXX XXXX XXXX XXXX, MA XXXX!!! 
XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX Delete!!! 
XXXX XXXX XXXX XXXX, MA XXXX!!! 
XXXX XXXX XXXX XXXX, MA XXXX!!! 
XXXX XXXX XXXX XXXX XXXX, MA XXXX DELETE!!!!
Consumer complaint received 2021-08-02
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: International Computer Systems, Inc. (AR)

My husband worked for he's properties untill XX/XX/XXXX of this year. However when he left one property for another, they added a false collection to our account as " pay back '' for their lost worker ( my husband ). They have no lease or contract that proves any ownership of the debts they claim we owe, nor has a judgement ever been ordered.
Consumer complaint received 2021-08-02
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. (TX)

According to the CARES Act a furnisher of data to the consumer reporting agencies allows it customers to defer payments, make partial payments, modify credit terms or make other arrangements for its customers affected by COVID 19 should not report any account as delinquent, but should continue reporting accounts as current. These requirements are retroactive to XX/XX/2020. 
Experian, XXXX, and XXXX did not remove my late payments on XXXX and XXXX of XXXX with my XXXX XXXXXXXX account. I sent letters to these three bureaus almost 2 moths ago. My letters are attached.
Consumer complaint received 2021-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My new XXXX lease was over always paid on time with auto pay ( signed with XXXX ). 
I extended the lease and they said that all payment amount and withdraws will stay the same .XXXX  reported to the credit bureau that my account is closed when in fact is still open ( still have the car ) on top of it all they did not charge my account for a payment when i realize i called many times try to reach them with crazy hold time. finely reach them and paid on the XXXX day, my accounts was never late in all my years. my credit score was always XXXX or greater and they caused it to drop down to mid XXXX their automated machine called me hundreds of time when you answer you can not reach no one
Consumer complaint received 2019-09-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (TX)

Square company, is holding about {$250.00}. That I have collected from customers who buy ice cream from my ice cream truck. I have tried to give the information that they want on line but it will not accept the information. I have not been able to contact them by phone. 
Therefore I am not able to explain my situation to them.
Consumer complaint received 2021-08-02
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: American Coradius International LLC (NV)

I sent AMERICAN CORADIUS INTERNATIONAL LLC a cease and desist with a debt validation letter attached on XX/XX/21 after I received several phone calls and voicemails from their agents on XX/XX/21 and XX/XX/21. The letters were sent certified mail with green receipt number XXXX XXXX XXXX XXXX XXXX. The green receipt was sent back to my location on XX/XX/21 and it shows that it was received by an individual with an illegible signature on XX/XX/21. In my cease-and-desist order I demanded that AMERICAN CORADIUS INTERNATIONAL, LLC respond to my debt validation letter and cease all collections of the alleged debt until I can validate it. It has been 27 days and I still haven't received a written response from AMERICAN CORADIUS INTERNATIONAL, LLC. Due to no response, I have not been able to exercise my right in validating the alleged debt. AMERICAN CORADIUS INTERNATIONAL, LLC is in violation of Federal law. Pursuant to 15 USC 1692g ( a ) I was supposed to receive a written notice within 5 days of initial communication. AMERICAN CORADIUS INTERNATIONAL, LLC has failed to comply with this statute. My privacy has also been infringed upon due to numerous individuals communicating with me on behalf of AMERICAN CORADIUS INTERNATIONAL LLC, they are uninterested parties in this matter who do not have my consent to contact me. Furthermore, I am not sure how AMERICAN CORADIUS INTERNATIONAL LLC received my private information or who gave them written or oral consent to contact me otherwise I will need contractual proof. AMERICAN CORADIUS INTERNATIONAL LLC, is liable of committing identity theft, fraud, and defamation of character both libel/slanders. I need this matter resolved immediately. Please respond in writing so that I can resolve this matter and reclaim my worthiness.
Consumer complaint received 2021-07-27
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)

Hello, I would like to ask you about to check my accounts. I can see that these accounts are reported incorrectly and its not right. This is wrong information and should not reported like this in my profile. Could you please check it.
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

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 stress 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 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (TN)

I PULLED MY CREDIT REPORT AND NOTICE THINGS ON MY CREDIT REPORT THAT I DID NOT DO. PLEASE HELP ME BUY HAVING THIS REMOVED FROM MY PROFILE. I'M MAKING A POLICE REPORT TODAY TO ADVISE THEM OF THIS ISSUE.
Consumer complaint received 2021-08-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (OH)

On XX/XX/2021, I spoke to a customer service representative from the XXXX XXXX XXXX and entered into agreement to purchase automobile insurance. I spoke to the representative for an hour and I was told everything was okay and the payment of {$120.00} had been processed. I kept watching my checking account and I noticed that the funds were available, but they were not withdrawn. The customer service representative said that the payment had been successfully processed, so I continued to draw available funds from my checking account. 
Then, I received a letter from the XXXX XXXX dated XX/XX/2021 and received by me on XX/XX/2021 regarding the Notice of Rescission of New Business Policy. The reason for the Rescission was for nonpayment of the initial premium payment. However, I was told the payment had been processed but that my financial institution refused to honor the transaction. When I contacted the XXXX XXXX XXXX, I was told that I had to make a payment of {$210.00} by XX/XX/2021 to be insured with their company. 
In addition, The funds were available in my checking account and savings account. I received a letter from PNC Bank dated XX/XX/2021 that I had exceeded the number of permissible transfers allowed during a monthly service charge period. This is the first time I ever received any type of communication from PNC Bank regarding such a matter.
Consumer complaint received 2021-08-03
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIDELITY CAPITAL HOLDINGS, INC (NV)

This is the second time its happened its clearly seen on my credit report through XXXX the account was charged off in the amount of XXXX dollars give or take but can be found on XXXX which shows account closed with the amount I mentioned give or take. 
Now this happened where this new company or debt collector by the name of Fidelity Creditors SVC twice now filed a dispute prior on credit karma and now again through all 3 bureaus first dispute went good but then reappeared not sure how long after. Company or agency I mentioned is obviously playing games lying and ruining and now re trying to collect something that is clearly wrong and way over charged off amount from XXXX. Company provides not only an open account which is false and way past the time frame of XXXX closing and charging off years ago but also wrong amount clearly and being its the second go around they are playing games and jeopardizing a young XXXX XXXX XXXX like myself an account that shouldnt be opened and false intentional amounts over what was charged off and closed. Its taken me years and years to fix my credit due to financial circumstances and I have the opportunity to buy the condo Im currently renting. 
Im hoping to not only have this issue finally finished and handled not go back again to dispute twice gets fixed and same issue I want this false amount off fixed and the company should not even show on my collection accounts for all 3 bureaus end of story account is charged off nothing more then XXXX and account is closed. I want this company disputed action taken for them and most importantly reflect and be removed from collections accounts on all major credit bureaus. 
My time frame for this buy was until next month so if there is anyway a miracle can happen on timeliness quick results or turn around I would be so greatful! 

Thank you very much XXXX XXXX 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: Experian Information Solutions Inc. (CA)

XXXX XXXX is Reporting inaccurate information in my credit report. For the Auto Loan they are r
eporting to XXXX I was 30days late 12 times/60days late 6 times and 90 days late once. They are reporting to Experian I was 30 days late 19 times/60 days late 11 times and 90 days late 2 times/ To XXXX they are reporting 30 days late 12 times/ 60 days 6 times and 90 days 1 time/ they are also reporting inaccurate dates of Last Payment. to Experian last date of payment is XX/XX/XXXX but to XXXX the date of last payment is XX/XX/XXXX and to XXXX date of last payment is XX/XX/XXXX. If these dates are all different and nothing matches this is a big discrepancy. They don't know if I was late or not because they don't have an accurate date of last payment. It also states it has never been disputed when it has several times.
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

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 stress 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 2021-08-02
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. (NY)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - reporting inquiries without my permission, 15 USC 1666 ( b ) - truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
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. (CA)

XXXX XXXX is Reporting inaccurate information in my credit report. 
For the Auto Loan they are reporting to XXXXXXXX I was 30days late 12 times/60days late 6 times and 90 days late once. They are reporting to XXXX I was 30 days late 19 times/60 days late 11 times and 90 days late 2 times/ To Equifax they are reporting 30 days late 12 times/ 60 days 6 times and 90 days 1 time/ they are also reporting inaccurate dates of Last Payment. to XXXX last date of payment is XX/XX/XXXX but to XXXX the date of last payment is XX/XX/XXXX and to Equifax date of last payment is XX/XX/XXXX. If these dates are all different and nothing matches this is a big discrepancy. They don't know if I was late or not because they don't have an accurate date of last payment. It also states it has never been disputed when it has several times.
Consumer complaint received 2021-08-03
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Comerica (ID)

My new direct express card came in the mail today, and the chip account number isnt matching up to whats on the card itself. I need my XXXX money to go on my direct express card witth the number XXXX XXXX XXXX XXXX on it, immediately.
Consumer complaint received 2021-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

In XXXX XXXX XXXX  sent my check # XXXX to my Walmart/ Capital 1 card in the full amount WITH PLENTY OF TIME, as i usually did. The card Bank had changed to CAP 1.. They either lost my check in their mail, or did not get it. My credit at the time was XXXX Excellent.. They wanted a late fee. I told them to wait and check for the mail, as the Post Office was having problems delivering and Covid was at a high. I also mentioned to them i was not responsible for Post Office problems.. They did not find the check, so i sent another one to them on XX/XX/XXXX # XXXX along with a copy of my checkbook first mailing of the first check.. They then hit me with another late fee saying the second check came 1 day late. I told them that no other Credit card i had would treat me like this and would have dropped the fees. After speaking with many Mgnr 's and many letters from cap 1 Bill. They always said they could do nothing. And the fees grew from around {$29.00} to XXXX i Sent letters online to Walmart and paper to the credit card Co. Told them i would not pay this abuse, that this was despicable action against a XXXX yr old Senior.. they knocked my credit down to XXXX. And got a collection agency after me ; after explaining to the collection agency the situation they dropped the case and notified the Credit card Cap 1. My credit has improved to FICO TO XXXX GOOD. BUT WANT MY EXCELLENT RATING RESTORED. And warned Cap 1 i may take them to court and sue them .I would appreciate any help Thank you XXXX XXXX XXXX
Consumer complaint received 2021-08-02
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. (NV)

I sent a FTC Identity Theft Report to Equifax to dispute inquiries. On XX/XX/2021 I received a letter that I will attach to this complaint informing all the inquiries that have been removed from my credit report. I checked my report right away after receiving the letter and discovered that many of the inquiries and items that the letter says that was removed still on my credit report. 
When I called Equifax about the issue they said that I have to send the documents again to start the dispute process one more time. 
This is unacceptable and against the law.
Consumer complaint received 2019-09-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (MD)

On XX/XX/19 my cash app starting sending me text notifications that my pin was changed and my phone number has been changed. During this time I had not been in cash app or using cash app for quite some time. When I checked my cash app I noticed several transactions of removing money from my bank account adding it to cash app, then buy bitcoins. None of these transactions have I authorized, no one had my phone or was using my phone and I didn't speak with or give any of my personal information out over the phone. Now I have {$3500.00} sitting in cash app that I can not retrieve. Cash app deals with millions of dollars and they can't even have a customer service person to speak with over the phone. You have to email them, which seems very suspicion to me. And no one emails you back timely. In this day and age anyone could be on the other side of that email. I believe someone within Square inc and the cash app company are stealing peoples money and making it look as if the user is sending it to themselves so the bank can't reverse the charges. They are scammers and fraudulent and my consumer rights have been violated. I would like to have this company investigated and my money returned to me.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Back in XX/XX/2021, XXXX XXXX XXXX  kept calling me about an issue and I was like why are you all constant calling me I don't have any products or credit cards with you. Come to find out my old roommate had got an account in my name.. I ask XXXX XXXX XXXX what I could do about just paying it because I was ready for this mess to be off my credit file. I was going through XXXX at the time. They instructed me pay the agreed amount and they would mark the account as fraud account and have account updated and removed from all three credit bureaus, and would possibly refund money back to me for the pmt. They never refunded me or removed account, they updated but never removed account. They scammed me out of the money by agreeing to remove this account.
Consumer complaint received 2021-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

I had an unauthorized charge on Friday, XX/XX/2021 for {$300.00}. On XX/XX/2021 I realized that my debit card was missing, and I had not been aware of the charge until that day. I called Chase bank on Saturday, XX/XX/2021 at XXXX on a 15 minute call notifying them about the fraudulent charge on my account. I received an email notice/letter from Chase Bank on XX/XX/2021 stating that it my provisional credit will be removed because it was an authorized charge when in fact it was not authorized.