davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-07
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)

I reviewed my credit reports and it shows inaccurate and unverified items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Consumer complaint received 2024-02-07
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: EQUIFAX, INC. (PR)

While reviewing my credit report I realized that there has been unusual activity. Found that there has been at least XXXX unrecognized/unauthorized hard inquiries on the XXXX main credit bureaus ( XXXX, Equifax, XXXX ) .This were made by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

Filed and attempted multiple disputes on XX/XX/ hence no reply or action by company. I have filed dispute over inaccurate personal information listed on my credit report. I have waited over 30 days and tried to give XXXX, XXXX and Equifax a chance to resolve this issue pursuant to 15 USC 1681s-2-b ( ii ). I filed a re-investigation, and still no lawful response XXXX, XXXX and Equifax has chosen to violate and ignore the statues of the Fair Credit Reporting Act. I have legal documentation of my attempts to have this inaccurate and false information updated and corrected.
Consumer complaint received 2024-05-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I met an individual named XXXX through a dating site, and since then, a chain of events has unfolded that has resulted in significant monetary loss and emotional distress. XXXX, under what mow seems to be false pretenses, solicited funds from me on multiple occasions for various reasons, including purported personal emergencies and legal obligations. 
I regret to report that my interactions with XXXX have led to substantial financial harm, as he has coerced me into transferring wire transfers to an individual named XXXX XXXX, supposedly to assist XXXX with resolving alleged legal complications related to a substantial sum of money he claimed to be carrying. 
I would like to highlight that these transactions were made under duress and false pretenses, and I strongly believe that I have been a victim of fraudulent activities orchestrated by individuals misrepresenting themselves as acquaintances in need. It is my sincere belief that require immediate attention and investigation. 
The total amount in {$30000.00}
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (FL)

This creditor is reporting inaccurate information on my consumer report. Ive asked for verification, and they failed to verify the account. Furthermore, the account is inaccurate because it is listed as an inaccurate status that does not correspond with the status that the account is in. I requested the form 1099c as per the IRS when the account is in charged off status or a form 1099c has been filed and i have evidence that a form 1099c was not filed therefor the account was not charged off. So, its been reported inaccurately and pursuant 15 U.S. Code 1681s2 this account must be deleted pursuant those laws.
Consumer complaint received 2024-07-30
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. (GA)

Listen Im tired of trying to work with these companies to get them to comply and do their job. These FCRAs have violated my rights, caused me credit denials, I have no home, no car, my reputation destroyed because they continue to report an account that according to XXXX Guidelines this account should have been charged off after 180 days past due, its over 7 years PAST DUE, the dealership is aware, and theyre still reporting late payments well over 180 days, its been 7 years with NO PAYMENTS. I am now seeking statutory damages. Both CREDIT ACCEPTANCE, XXXX XXXX EQUIFAX i am seeking statutory damages. in violation of 15 U.S.C. 1681n and XXXX nor Equifax has provided me with proof of accuracy, proof that theyve done their job in a full investigation and continue to destroy my life. I am homeless and without a car because of this. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year>
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2024-08-20
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: BMW Financial Services NA, LLC (CA)

BMW Financial Sevices has been taking insurances overages from customers despite contracts stating they are not entitled for it. BMWFS was paid XXXX on XX/XX/XXXX by my insurance XXXX. The BMW contract states that I am owed the difference between adjusted lease balance and actual cash value. Date of Loss Occurred on XX/XX/XXXX in XXXX XXXXXXXX XXXX. The vehicle is a BMW XXXX BMW XXXX XXXX and the BMW payoff amount in XXXX prior to accident via BMW Vehicle purchase phone prompt was XXXX Agreed upon value Vehicle at time of lease = XXXX ( XX/XX/XXXX ) XXXX XXXX paid BMW Financial = XXXX ( XX/XX/XXXX ) Contract XXXX 1. CAP COST REDUCTION XXXX 2. Adjusted Cap Cost XXXX 3. Residual Value/ Purchase option at End of Lease Term XXXX 4. Total Payments = XXXX Line XXXX. XXXX AMOUNT Waiver States If I am in compliance with my insurance obligations under this Lease and the Vehicle is damaged, stolen, or destroyed and considered a total loss under my insurance coverage, I will not be obligated to pay you the gap amount. ( The difference between the Adjusted Lease Balance and the actual cash value of the vehicle on the date of the loss, if the claim for total loss is actually paid to you by my insurance company. ) My Insurance Paid XXXX to BMWFS My Lease balance = XXXX Residual = XXXX BMW Adjusted Lease Balance = XXXX BMW has returned my XXXX Security Deposit. 
BMW also has refunded XXXX Cap Cost Reduction calculated by CAP COST of XXXX for 24 months minus my XXXX Insurance deductable and minus a XXXX late fee imposed by BMWFS. 


BMWFS therefore owes XXXX which is the difference between Adjusted Lease balance and Actual Cash Value, Dispostion Fee XXXX Sales Tax on CAP cost reduction, and Rent Charge Contract states that I am owed the difference between adjusted lease balance and actual cash value. 
I am also still owed the amount paid calculated in taxes.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2022-09-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (CA)

At XX/XX/XXXX, Im trying to change USD to RMB, Im in a rush so Im sending help on social media, and a guy text me he can help with it, Im in a rush, he blocked me after I send XXXX $ through cash app to him, I try to contact cashapp and they said they could not help because Im under 18 and they need my SSN, they could help me anyway either Im a minor, that is not fair, Ive contact them like ten times, they all said they could not cancel a transaction, so I contact bank for this, at XXXX XXXXThey denied my claim at XX/XX/XXXX and takes a month, everytime I called them four times and I get a completely different answer from every call and still can not solve my scam problem, they replace my card and saying that could help report a fraud, i call today and they said I could not get my money back.
Consumer complaint received 2024-02-07
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. (AE)

I am writing to bring to your attention a matter of grave concern regarding the improper handling of my personal information by certain companies. In XXXX of 2023, I took the necessary steps to file an FTC Identity Theft report, seeking resolution and protection of my rights. Regrettably, the companies in question chose to disregard my rightful request. Despite numerous subsequent attempts, conveyed through multiple letters, urging them to cease the transmission of my non-public information to non-affiliated third-party entities such as the CRAs, their response has been unsatisfactory, citing their purported " lawful duty to report accurate information ''. 

This situation has left me deeply perplexed and disheartened. It is alarming to witness these corporations wield such considerable power over individuals ' personal information, all while exploiting it for their own financial gain. What is even more distressing is the lack of recourse or respect afforded to me as a federally protected consumer. The companies implicated in this matter are unequivocally violating my rights safeguarded under 15 USC 1681, pertaining to permissible purpose under the FCRA. 

As such, I, XXXX XXXX XXXX, exercising my rights as a federally protected consumer, hereby declare my immediate and indefinite opt-out from any and all authorizations, whether written, unwritten, verbal, or non-verbal, as outlined in 15 USC 6802 . It is imperative that my wishes be acknowledged and adhered to without delay. 

Moreover, it is imperative to note that despite my diligent efforts, it has been eight months since the filing of the FTC report, and the implicated corporations persist in their improper usage of my credit file, blatantly disregarding my requests. 

I implore you to take swift and decisive action to rectify this egregious violation of my federally protected rights. Your prompt attention to this matter is greatly appreciated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (MD)

I have XXXX fraudulent accounts against me from LVNV is the amounts of {$1600.00} since XX/XX/year> and {$2200.00} since XX/XX/year>. These accounts should not be on my credit inquiry and removed immediately. 
Since this this has happened, I have made a dispute against them and XXXX has already deemed it as fraudulent and has removed they accounts off of their credited report. I would like for them to continue to remove this report from all credited reportings
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

FCRA 605B mandates the elimination of any erroneous entries from my credit dossier. These entries inaccurately reflect my credit history. Compensation of {$1000.00} is due for each such erroneous entry on my credit record.
Consumer complaint received 2022-10-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

On XX/XX/XXXX, I requested from XXXX XXXX XXXX cash app XXXX XXXXXXXX to return my money back due to a scam, saying he needed money for his father medical assistance, I sent him {$200.00} and than he text back saying that that his father needed more money because he needed to pay more medication that his father needed and the hospital he was in, didn't cover them, and that his father was very sick, I sent him another {$300.00}. XXXX XXXX XXXX stated that they will return the money once his father was out of the hospital, that his father bank accounts were frozen due to legal problems with his mother in law and that he would return the money on XXXX the XXXX XXXX, that was the date his father bank accounts would be available. Up to now he has not returned the money and I have requested to return it several times through cash app, and he has declined my request. I have already reported it to cash app and nothing has been done.
Consumer complaint received 2024-05-09
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. (NY)

I am writing to dispute the validity of a collection account listed on my credit report. Pursuant to the provisions of the Privacy Act, specifically 15 USC 1681, I am formally requesting that you investigate and verify the accuracy of the information you are reporting to the credit bureaus. 

Creditor Name : XXXX  XXXX XXXX Account Number : XXXX Creditor Name : XXXX XXXX XXXX Account Number : XXXX Creditor Name : XXXX XXXX Account Number : XXXX Creditor Name : XXXX XXXX  Account Number : XXXX Creditor Name : XXXX XXXX  Account Number : XXXX I am invoking my rights under 15 USC 1681, which states that individuals have the right to dispute information that they believe is inaccurate, incomplete, or misleading. I am requesting that you provide evidence to support the validity of this debt, including but not limited to : Documentation showing the original agreement between myself and the creditor. 
Proof of the amount owed, including a detailed breakdown of any fees or charges. 
Verification of the date of XXXX  delinquency.
Consumer complaint received 2023-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (IL)

Wells Fargo continues to insist that XXXX fraudulent charges made to my credit card ending in XXXX are valid. Both were done in XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX 

I am XXXX and can not drive and already provided medical evidence to Wells Fargo about my medical condition. My husband also sent a letter to Wells Fargo stating he never drove me to the locations where the fraudulent charges were made. 

Wells Fargo is accusing me of 1 ) filing a false fraud claim and 2 ) illegal filing a false police report for the fraudulent charges. This is defamation. They continue to say they are not insuating either 1 or 2 above but they are lying- they are saying it by default since they keep telling me the fraudulent charges are valid.
Consumer complaint received 2022-10-10
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. 

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 XXXXI XXXX XXXX XXXX, XXXX XXXX XXXX  : XXXX XXXX, XXXX XXXX, XXXX : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXXL : xxxxxx XXXX, XXXX. XXXX XXXXXXXX : xxxx # #, XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX XXXX, XXXX XXXX : XXXX XXXX, XXXX XXXX  XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX GEORGIA : XXXX, XXXX XXXX XXXX GEORGIA : XXXX, XXXX XXXX XXXX GEORGIA : XXXX, XXXX XXXX XXXX GEORGIA : XXXX, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX has violated my rights. 

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 2023-05-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (CA)

On XXXX, I tried to make a payment of XXXX XXXX from my Citi saving account to my personal bank account in XXXX XXXX. I tried to make that payment on Citi 's mobile phone app on my phone and use the instant payment service to do that. I could not successfully submit the payment request and received an error " Access Blocked : For security reasons, we can not allow you to proceed. If you require assistance, please contact Citibank Online Customer Service and mentioned Error Code MFA. '' So I did make a phone call to them. The first support person from Citibank asked me to try lots of things, including using a web browser instead of the mobile app, lowering the amount to XXXX . I tried four times in total, all leading to the same error message. The support person seemed to not know enough about the issue and how to solve it. I asked to speak to a supervisor, but the supervisor only asked for my name, and without helping solve the issue, they transferred me to another support person. I repeated my issue and the second support person also suggested me try lower the payment amount. Then I tried my fifth time, I tried to set up a payment with XXXX , but still could not proceed. I saw the same " access blocked '' error. I do see on my browser and my mobile app, my daily limit is XXXX . And I told the support person about that number as well. Thus, I don't think the issue is related to the amount, because this is my first payment transaction using the instant payment service which never succeed. I asked the support person how could I use this instant payment service. They don't know. They only suggest me try using a wire transfer which comes with an additional charge or use XXXX to transfer money, which I can not use because I don't have a checking account and only have a saving account. XXXX payment requires a checking account. They are not helpful in solving the issue, not knowledgeable about their services, and they don't want to help me with the problem I have, which is simply to be able to use instant payment, not trying other ways. 

If I want to try other ways, why don't I just put money in a different bank, that has much better customer service?
Consumer complaint received 2023-07-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC (FL)

on XX/XX/2023 I received a phone call from Global Radius Solutions stating I needed to pay a monthly installment of {$81.00} dollars on an XXXX XXXX credit card debt by XX/XX/XXXX XXXX..I explained to them this amount was paid on XX/XX/2023 -- they stated they had no record of this but I do ( it shows my payment on XXXX XXXX account spread sheet ) ..this is the second time in 3 months Global Radius Solutions have attempted this double payment " XXXX '' ..I became highly agitated when they would not correct themselves..this is excessive erred accounting or attempted fraudulent collection proceedures... it is my understanding they have had multi numerous complaints of this " high handed '' procedure ... I request that they cease any communication to me through preverication as I continue to submit {$81.00} monthly payment
Consumer complaint received 2023-02-20
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. (OH)

On XX/XX/2022, XXXX XXXX XXXX added a derogatory mark on my credit report per Experian. Upon further research, this account was transferred/sold and I am no longer responsible for the account. 

They did not verify this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. 

According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately!
Consumer complaint received 2024-05-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Timely payments are a certainty for me. However, I find it puzzling why this company occasionally marks certain months as late, which doesn't align with my records. According to USC 1666b, any billing discrepancies should be promptly corrected and reflected accurately.