davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-14
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: Experian Information Solutions Inc. (FL)

While by fact we WERE ABLE to get financial loans, a mortgage etc. now that we have PAID a substantial amount OFF such as mortgage and high balance loans My  Credit score  has dropped significantly by  XXXX  or more points and I am being rejected for credit. Amazingly they, you and lenders do nothing but reject. Also even while having a security freeze on my account people still inquire  WITHOUT  permission. My husband has written of this to you but has informed me you do nothing! Never the less this in by opinion a scheme to further encumber us since this created our current financial woes. We were better off before paying those lenders off. So  HOW can my   XXXX   b e lower? OF course you 'll give me the unfortunately leaving off the total debt is less.
Consumer complaint received 2017-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

I am very sorry, but the problem related to case  XXXX  has not even been remotely resolved.     Citigroup offered a $  XXXX  credit card to a person without an income, means to prove an income or the capacity to contract due to an  XXXX   XXXX   XXXX . This person is my wife and their they are flat out not stating what has transpired in their statement.     This is their statement.   " I sent a letter to  XXXX   XXXX  to advise him that we are unable to disclose any information about the account with a third party without a valid POA. I advised him to send us a certified copy of the document assignin g him POA for his wife in order to investigate this matter further. '' None of this is true.        1. They have never sent me a letter. Do they have proof of this? No, they do n't.
2. I spoke to them and they said they could not speak to me, so I asked them to simply send my wife a letter then, and she would talk to me about the contents of the letter.
3. They never sent me wife a letter, they never sent me a letter. We have had zero c  ommunication on this matter.     The issue here is th at Citi is a  predatory lender. They allowed someone with no income or means to have a $  XXXX  credit line with no verification of anything, such as an ability to repay this money.     Sorry, but this is not resolved.
Consumer complaint received 2024-09-10
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. (TX)

EXPERIAN HAS FAILED TO REMOVE XXXX NEGTIVE ACCOUNTS REPORTING ON MY CREDIT THAT SHOULD NOT BE ON THERE, XXXX. XXXX XXXX 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 XXXX XXXX  XXXX. I HAVE CALLED AND PROVIDED EVIDENCE TO EXPERIAN EXPRESSING MY CONCERN OTHER XXXX  HAS DONE THEIR INVESTIGATION AND DELETED THESE ACCOUNTS OFF MY PROFILE AND BY LAW MY CREDIT REPORT WITH ALL XXXX  MUST BE CONSISTENT AND ACCURATE. EXPERIAN IS THE ONLY XXXX REPORTING THIS INACCURATE INFORMATION DISPUTE DISPUTING THIS NUMEROUS TIMES. I WILL SEEK LEGAL ACTION DUE TO THE DISTRESS OF THE INACCURATE INFORMATION
Consumer complaint received 2024-10-24
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc. (FL)

Request a debt validation Attention to Professional Debt Mediation I would like to request a copy of the oroginal contract or original Purchase agreement that created the alleged debt. If the original contract is sent, it must be with the original signatures for all parties. Any agreement sent must be with the original creditor and must include the original terms and conditions of the agreement that created the alleged debt, including addendums and riders. 
Please send me proof of the chain of ownership of the alleged debt and include proof of assignment for each charge of ownership. 
if any interest or fees have accrued or been added on the balance, please send me proof that such fees are lawful and agreed upon in the original purchase agreement. 
Proof if you legally allow to collect on alleged debts in the state of Florida, including your third party debt collection Bond. 
Please send me proof that you sent the legally required notices to me before reporting this alleged debt to any consumer reporting Agencies, including copies of the original notice and any letter tracking your Firm maintains.

the credit Reporting Act makes clear that it " debt parking 'without proper notices is a violation of consumers rights.
Consumer complaint received 2017-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

XXXX   XXXX  I filed an complaint about   XXXX   XXXX   about information on my credit report that is not mine. The company responded and claimed they called me numerous times and sent o ut 11 letters  attempting to collect a debt. I never received any type of information from the company and they claimed to have sent a letter with the information and documents from the original creditor. They provided a tracking number. I checked the tracking on  XXXX  thinking I should have received some type of information in the mail after 10 days. Turns out the tracking number provided stated the letter was undeliverable. I filed disputes with the credit bureaus on fraudulent addresses that were listed on my credit report and the credit bureaus deleted the  XXXX  false addresses that I never lived at. I 'm not sure what address and phone number   XXXX   XXXX   has on file of the alleged collection but none of the information is valid. I went ahead with the advice from the last complaint and filed an Id theft with the FTC.
Consumer complaint received 2024-09-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: W&A Intermediate Co., LLC (MI)

The original creditor XXXX XXXX XXXX XXXX XXXX has told Wakefield & Associates twice that they have not only reported the debt twice on my credit report but also that the debt was paid by XXXX and to remove it. I have also disputed it with XXXX, and they keep responding to them that the balances are due when they are not. I spoke to XXXX XXXX XXXX last week and they were upset that it was still reporting and assured me it would be removed. I checked today and Wakefield & Associates has still not removed the tradelines. This has damaged my credit, and they do not seem to care and every time you reach out to them, they are rude.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-07-28
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: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 2023-07-03
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. (AZ)

I XXXX XXXX XXXX, am writing today to assert my federally protected consumer rights, and complain about the way the consumer reporting agencies have misused my Personal Private Information in accordance with the Gramm-Leach-Bliley Act. These three consumer reporting agencies have discriminated against me in pursuant to 15 U.S.C1691 ( a ) ( 3 ) and have broken MANY other laws including but not limited to : 15 U.S.C 1681 ( 2 ) ( b ) and 15 U.S.C. 1681 ( n ) ( a ). 
I have attempted to rectify this situation via an Affidavit ( Attached ) and received replies from the agencie 's that 'my " credit score is valid and accurate. 

On XX/XX/XXXX, I sent all three consumer reporting agencies an affidavit via Certified Mail - USPS, explaining that they have violated my rights and a way to remedy. 

The credit score these consumer reporting agencies have furnished for me has never been 'authorized ' by me at any time, and the contents of my score are also not valid or correct. 

In my affidavit, I annotated the incorrect items which were displayed on my user profile 's on their respective websites. 

Each of the agencies wrote back saying that the credit score was valid and accurate. 

15 U.S.C. 1681b ( a ) ( 2 ), states : any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 
There has never been any written consent from me as the natural person and consumer to allow any consumer reporting agency to furnish my consumer report. 

I demand that XXXX, XXXX and Equifax remove the items that I annotated in my affidavit ( under Exhibit A ). These items on the score have been illegally furnished on the credit report and should not be there as I do not consent to them. 

Furthermore, I also sent accompanying my affidavit, a Demand for Equitable Remedy. 
For breaking the law, and violating my rights as a federally protected consumer, I demand the remedy be paid. 
Totaling {$18000.00} for 18 separate violations. 
I am demanding that all three of the consumer reporting agencies ( Equifax, XXXX XXXX XXXX ) that were illegally reporting on my consumer report, pay {$18000.00} for 18 seperate violations. 

To be clear, the Demand for Equitable Remedy is {$18000.00} from each one of the consumer reporting agencies, totaling {$56000.00}. That is 18 violations from each one of the consumer reporting agencies. A total of 56 violations. 
I have been denied credit, job opportunities, and financial opportunities because of these inaccuracies. 

I have not and do not consent to these items on my report. I demand for them to be removed and I demand to be paid. 
I will also submit complaints to the XXXX XXXX XXXX and the Arizona State 's Attorney.
Consumer complaint received 2017-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XX/XX/XXXX I filed an complaint about XXXX XXXX about information on my credit report that is not mine. The company responded and claimed they called me numerous times and sent out 11 letters attempting to collect a debt. I never received any type of information from the company and they claimed to have sent a letter with the information and documents from the original creditor. They provided a tracking number. I checked the tracking on XX/XX/XXXX thinking I should have received some type of information in the mail after 10 days. Turns out the tracking number provided stated the letter was undeliverable. I filed disputes with the credit bureaus on fraudulent addresses that were listed on my credit report and the credit bureaus deleted the 2 false addresses that I never lived at. I 'm not sure what address and phone number XXXX XXXX has on file of the alleged collection but none of the information is valid. I went ahead with the advice from the last complaint and filed an Id theft with the FTC.
Consumer complaint received 2017-05-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (OR)

People opened both a checking and a saving USBank account under my name, using my  Social  #  XXXX .  XXXX   XXXX   XXXX . I have reported repeatedly about an ongoing Identity Theft issue with  XXXX   XXXX   XXXX , who lives with me at  XXXX   XXXX   XXXX   XXXX ,  XXXX , OR  XXXX . Her Social Securit y Number  is  XXXX . This  US  Bank account has been opened fraudulently behind my back on  XXXX   XXXX ,   XXXX  . Actually, a saving account #  XXXX  and a checking account I do n't even know it 's number. I called  US  Bank at   XXXX   XXXX   XXXX   XXXX    USBANKS  on  XXXX   XXXX ,   XXXX   to put a hard hold on both my accounts, but it was not the case. Later on I learned that both my checking and my saving account have been compromised, with  XXXX   XXXX  ordering checks under my name and using my Social Security  No. I  then learned and realized that she and her husband  XXXX   XXXX  were using the fraudulent accounts that they have opened fraudulently under my name to launder money. The check book cost me {$30.00}, for example. There were {$50.00} transactions being deposited and withdrawn back and forth, despite me calling dozens of times since  XXXX / XXXX /  XXXX   to make sure that the exact nature of these things did n't take place. I believe both accounts are closed now but not before my identity has been compromised and my credit rating gone through the mud.
Consumer complaint received 2024-10-24
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Block, Inc. (NY)

What I asked cash app hi Please answer my first question. why cant I even log into $ XXXX account XXXX XXXX? I never had an issue b4 when I was logging in successfully XXXX. 

XXXX  XXXX XXXX XXXX XXXX Cash app said we cant help you log in but we can attempt to transfer account balance. 


I wrote to cash app XXXX XXXX {$92.00} dollars has a card ending in XXXX that was never activated on the account for some reason. He also can't log in $ XXXX to get his money zip XXXX. His email associated with account was XXXX was his account email Can you transfer his account to new cash app account name XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX his sponsor $ XXXX XXXX XXXX XXXX From your account : - Full Legal Name XXXX XXXX - Your current $ XXXX - XXXX From your sponsored account : - Current $ XXXX - Previous $ XXXX Then cash said the Same speech After you try to link accounts you will write me : After review, we're unable to grant access to these funds for security reasons. To protect your sponsored current account, we can't override this decision. 
Your sponsored account may continue using their current Cash App account to send and receive payments. 


I then askl what is an alternative or a way to match up more info or add more stuff to verify my identity? I prefer you to activate XXXX XXXXXXXX card that is already on file but was never activated. We have the physical card still unable to use it. Please just activate the card Cash app said.. we cant provide any further info at this time and cant activate the card XXXX for XXXX XXXX Ive talked to many reps hours and hours. XXXX  XXXX holds the funds and they are working with XXXX XXXX. Please tell me the next steps to take. I just want the kid allowance of {$92.00}. What can I do?
Consumer complaint received 2017-05-15
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION (VA)

Navy Federal Credit i s reporting a $  XXXX  {$150000.00} charge-off on my credit reports for an equity loan which was foreclosed on in  XXXX . I 've sent them a letter on  XXXX   XXXX ,  XXXX  ( received by them on  XXXX   XXXX  ) seeking substantiation of this debt of which I 've not received a response.  Navy Federal c ontinued to pursue foreclosure of our home in  XXXX  despite several attempts by us for a loan modificationthroughout  XXXX  and  XXXX . We then hired an attorney which  Navy Federal  chose to ignore and not respond. In a final effort to alleviate foreclosure, my husband tried to file for bankruptcy, but was dismissed by the court because the only debt issue was the home mortgages which the judge said should be handled directly with our lender   ( Navy Federal ).
We 've never received any notification by Navy Federal that this debt is owed, nor have we received any deficiency judgements against us for this debt. In fact, Navy Federal even   filed a  XXXX  for a forgiveness of this debt to the IRS.   Your efforts to have  Navy Federal subst antiate this debt are most appreciated.     Thank you.
Consumer complaint received 2017-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (NC)

XXXX  I received notification tha t American Express was cancelling both of my American Express Credit Card Accounts. This came as a   surprise as I have never missed a payment since I have had the accounts. I called  American Express to inquire about the account closures.    I was initially told that my account  ( s )  were being closed because :  1. O n  XXXX   XXXX ,   XXXX   my   XXXX    Score was  XXXX   2.  Ratio of revolving account balances were too high 3. There is no recent information about installment accounts   4. There are too few accounts currently paid as agreed 5. Payments were being returned unpaid by my bank 6. Excessive cash advances 7. Excessive Travelers Check requests a. Never requested any Travelers Checks at anytime from American Express.
b. Only used my card once in the last 10 months for a cash advance.      c. American Express Collected  a payment of  XXXX  on  XXXX   XXXX ,   XXXX  . However , American Express  denied receiving/collecting the  XXXX  payment on  XXXX   XXXX ,   XXXX  . My bank statement denotes the payment being returned with  XXXX  reference number and shows the payment being successfully processed on the same day d. There are no late pays on my credit report. I have never had a late payment with  American Express at anyti me e. As for the ratio of revolving accounts, I only have the  XXXX   XXXX   credit c ards and no other credit account s f. Last  time I checked,  XXXX  was a soli d credit score Af ter noticing the error on my bank statement ( for the  XXXX  payment ), I conducted a brief review of my  American Express CC Statement Payme nts vs my  XXXX  Checking Account.     I discovered  two p ayments in the amount of  XXXX  each were collected on  XXXX  and  XXXX  by from my  XXXX  Checking Account and never credited to my  XXXX  accounts.     Today I contac ted American Express an d requested that they reinstate my cards. My requests for reinstatement was denied  by American Express
Consumer complaint received 2024-10-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Early Warning Services, LLC (DE)

I recently discovered that fraudulent activities were conducted on my account without my knowledge or consent. As a result, I believe it is essential for the checks system and other reporting agencies to remove the fraud alert associated with my account. This situation not only infringes upon my consumer rights but also violates XXXX XXXX, which protects my right to privacy and control over my financial information. The unauthorized sharing of my data by banks and reporting agencies compromises my trust and rights as a consumer. I urge immediate action to rectify this matter and restore my standing.
Consumer complaint received 2024-11-01
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-10-24
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: Block, Inc. (CO)

I stayed in a hotel on XXXX, XXXX & XX/XX/year>. For each date, a hold was placed on my funds which covered the cost of the hotel stay plus a deposit for incidentals. At the end of each stay, the hotel placed a charge on my account, for the stay plus any incidentials and released the previous hold on the fund for the stay. I contacted Cash App concerning releasing the holds for the hotel stays and was told that since the hotel had made a charge against the hold, they could not release the hold until the charge against the hold was processed. Further they told me it could take up to XXXX  days to complete. After about XXXX weeks, I contacted Cash App again about the XXXX holds. I pointed out to the representative that a previous representative told me Cash App had received the final charges from the hotel and asked why it is taking so long for them to process the charges and release the overage back into my account, but did not get an answer to that question. 

It is now over XXXX weeks since the holds were placed on my account. What this is looking like to me is, Cash App is sitting on the money that they have a hold on, instead of paying the hotel and refunding the overage to my account. I have never seen anything like this before. Normally, funds with a hold on them are released after XXXX days or as soon as a charge is made against them, if prior to XXXX days. Cash App has had the hold on the funds and charges against those holds for XXXX weeks now. All I can think is Cash App has invested my money for XXXX days, in order to collect interest on my money, and they are not paying me anything for using my money. Cash App will continue doing this until the XXXX  days is up and then settle the transaction, since after XXXX  days they would probably get in trouble.