davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PR)

After Hurricane Maria passed through XXXX XXXX, all financial institutions offered a three-month moratorium on their different loans. In addition, it was reported that no surcharges would be charged during this period and that arrears would not be reported to credit agencies. 

In my case I did the whole process as indicated by the financial institution and after several weeks they called me and informed me that the moratorium on my mortgage loan was approved and they gave me a date to present me with some documents to sign the agreement. This appointment was canceled until further notice. 

Meanwhile, I am in negotiations with another financial institution to obtain a personal loan which I can not obtain due to the low in my empirical. So, I request a report from the credit agencies and it is there that I realize that I have registered three months behind on my mortgage loan. Since then I have tried to resolve the situation with the XXXX XXXX XXXX and XXXX XXXX without any success.
Consumer complaint received 2024-06-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (FL)

There is incorrect and inaccurate information in my credit reports regarding the XXXX XXXX XXXX Account with Lead Bank. I found various errors and inconsistencies regarding the opening dates, payment history and closing of said account, as well as the rating, payment status of the account, the type of creditor and the observations offered by the same. The information reflected by the different credit reporting agencies is in disagreement. 
Pursuant to the Fair Credit Reporting Act, the account has violated my consumer rights under 15 USC 1681 Section 602A, which federally protects my privacy and confidentiality, 15 USC 1681c. ( a ) ( 5 ), which states that no consumer reporting agency may make any consumer report that contains any element of adverse information, and 15 USC 1681s-2 ( A ) ( a ), which states that a person shall not provide 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 2024-06-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (MN)

SOFI bank has randomaly restricted and blocked my account for no reason. cant access or use funds in my account. they have not responded and are holding my funds or and not unblocking my account. i have been a customer since XXXX
Consumer complaint received 2024-06-03
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. (CA)

I am writing to express my strong dissatisfaction with the unauthorized account appearing on my credit report, which I believe is the result of identity theft. This account is causing significant disruption to my financial standing, and I insist on their immediate removal. I have taken the necessary steps to address this issue promptly, including reporting the identity theft to relevant authorities and disputing this fraudulent account with the bank. However, the lack of cooperation and information from both the bank and your bureau is unacceptable. Given the seriousness of identity theft and my rights under the Fair Credit Reporting Act ( FCRA ), I insist that you take immediate action to remove this questionable account from my credit report. I require prompt confirmation of the removal and a detailed explanation of the measures taken to prevent such incidents in the future. 

XXXX  XXXX
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc. (IA)

I have an issue with Kikoff lending LLC who falsely reported on my credit report and dropped my credit score and they are saying I am 90 days past due. I never used the line of credit that was given to me and the line of credit is not a true line of credit. It is not a loan, it is not a true credit card. Kickoff lending LLC is a scam.
Consumer complaint received 2024-07-08
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. (MI)

To Whom It XXXX Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the XXXX XXXX Principles ( XXXX XXXX ). 

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXXccount Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX  Account Number : XXXX Delete this account. 


3. there is some inaccurate information reporting XXXX Account XXXX : XXXX Please remove it from my credit report. 


4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS REGIONALAC Account Number : XXXX Please remove it from my credit report. 


5. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX FUNDING Account Number : XXXX Delete this account. 


6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS FIRST PREMIE Date of inquiry : XX/XX/year> Please remove it from my credit report.
Consumer complaint received 2024-08-26
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Google Compare Credit Cards Inc. (AZ)

I bought a Google Play card from XXXX which activated it. I went home to use it and Google would not let me redeem it in their Google Play Store. Google said the card was not activated by the store, however everyone knows that the purchase of a Gift card at a XXXX automatically activates it. I went to Walmart and they said that they could not help me because their was no refunds. I contacted Google support which took me about a week to find, and Google said they can't do anything about it. I sent Google both sides of my reciept from XXXX as requested and pictures of both sides of the gift card I bought. After Google requested I send them this, Google came back and said they are not going to honor the purchase and that they are keeping my money. Now I know Google is in court alot for Fraud and other laws that they break, but I'm not letting these criminals get away with stealing my money. The Google rep even told me that she sees it was paid for, and still sees the amount on the card. Then said, we are still not honoring it. This is the most CROOKED answer I've ever gotten from a US company, even if most of their employees are in XXXX. I've seen thousands of reviews online about Google stealing money throught gift cards. I want this posted on your site and FTC. Its sad they don't have phone numbers to call and use that to get away with massive crime. THIS COMPANY IS THE BIGGEST FRAUD I HAVE EVER EXPERIENCED, AND WERE BLUNT ABOUT HOW THEY WERE KEEPING MY MONEY. I have all the emails to prove it!!!
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The economy is bad and so is my credit report, but after thoroughly looking at my credit report it is clear which is way worse all I see are erroneous information which is causing me overwhelming stress and frustration. Never knew that upholding your rights as a consumer is this depressing, that I have to go through all this suffering, I wouldn't even be able to buy the necessary things to set my life back on track due to my low credit score because of all the incorrect information reported on my credit report.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

ON XX/XX/year> I REACHED OUT TO EACH OFTHE 6 CREDITORS LETTING THEM KNOW THAT THESE ACCOUNTS WERE COMMITTED AS FRAUD ON MY CREDIT REPORT. THERE WERE DONE FRAUDULENT. THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED.

I'AM NOTIFYING THE FTC THAT MY IDENTITY HAS BEEN STOLEN AND USED FOR FRAUDULENT PURPOSES. SOMEONE HAS USED MY IDENTITY TO ENGAGE IN THE FOLLOWING TYPE ( S ) OF FRAUDULENT TRANSACTIONS. SEE ATTACHED DOCUMENTS BELOW.
Consumer complaint received 2024-08-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Corp Solutions Inc. (GA)

RE : VALIDATION ; CEASE AND DESIST Dear CREDIT CORP SOLUTIONS INC, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-08-25
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Optio Solutions, LLC (IA)

Unsure of what debt this is, but they are called Qualia Collection Services. They call me more than 7 times in a XXXX  day period. They called Monday XX/XX/XXXX at XXXX XXXX. They called Tuesday XX/XX/XXXX at XXXXXXXX XXXX and XXXXXXXX XXXX. They called Wednesday XX/XX/XXXX at XXXXXXXX XXXX, Thursday XX/XX/XXXX at XXXXXXXX XXXX, Friday XX/XX/XXXX at XXXXXXXX XXXX and XXXXXXXX XXXX. They called Saturday XX/XX/XXXX at XXXXXXXX XXXX. So in total they called me XXXX times in just XXXX days. This is just from this past week, it happens every single week they call me more than 7 times in a total week.
Consumer complaint received 2024-08-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Messerli & Kramer P.A. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, OH XXXX XXXX XXXX XXXX To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for this account listed below. 

Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
Complete payment history on this account, to prove that the amount you wish to collect is correct. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under FCRA, unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SC XXXX In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 


Thank You, XXXX XXXX
Consumer complaint received 2024-08-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (CT)

Company put debt into collections with XXXX contact or communication, I called them to ask to provide me with th correct documents to prove the debt belongs to me and to honor my right under the fair credit reporting act. They would not mail me the contract, original receipt or anything with my signature on it or anything attached to me but they put this on my credit report and said I owe them the debt. They lied and said they were the original contract holders then proceeded to say they bought the debt from another company a couple sentences after. I have been provided no proof but now my credit is ruined.. under the fair credit reporting act my right need to be upheld. I have never seen a contract or anything with my name or anything.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NJ)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (CA)

I would like to dispute inaccurate and harmful information on my credit report that is negatively impacting my FICO score. 
Below are the details of the accounts in question : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (CA)

XXXX XXXX 2024 hotel stay XXXX placed a hold on my cash app card For {$240.00} dollars. 
At checkout on XX/XX/year> our final charge was {$210.00}. This left an unused balance of {$27.00}. 

Cash app never notified me that the hotel transaction updated from {$240.00} to {$210.00} per their policy. The cash app transaction history still shows the pending amount of {$240.00}. 

I got in touch with cash app and ask them what was going on with this particular transaction. Cash app advised me that the hotel collected the {$210.00} but theres still a hold for {$27.00}. I advised them that the transaction hold was for {$240.00} not {$27.00}. I also advised them that the transaction amount did change from {$240.00} to {$210.00} and why did they not notify me and why it shows the hold for {$240.00} still pending if the hotel collected the {$210.00} They refused to answer these questions. I asked them several times these questions and they refused to answer. 

I asked cash app for verification that there is a hold on the {$27.00}. They refused. 
I contacted the hotel and they confirmed the hold was for {$240.00} but was released and they collected the {$210.00}. The hotel stated that there are no additional holds and that the remaining {$27.00} was released when they released the {$240.00}. They confirmed that the {$27.00} was my return for remaining incidentals. 

The hotel provided a letter to give to cash app to verify so they can release the {$27.00} back to my account. I submitted the letter and cash app still refuses to release the funds back to my account. 

Cash app refuses to provide any information or verification for why they arent releasing the funds back to my account. I suspect fowl play on cash apps part because they refuse to provide verification, they are ignoring the confirmation from the hotel that all funds have been released and cash app is being uncooperative and not providing transparency. 
Its obvious that the {$27.00} is the remaining balance and the hotel has confirmed there is no hold. 
But cash app is uncooperative and refuses to release their hold on the {$27.00} Balance
Consumer complaint received 2024-06-01
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. (GA)

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2024-08-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Collection Bureau, Inc. (FL)

Yesterday we noted in our bank account, from XXXX, that a hold was placed on my savings account for {$510.00} and another hold for {$100.00}. I contacted our bank, XXXX, who informed me that United Collection Bureau placed the hold and that XXXX had no authority to assist. I contacted United Collection Bureau who informed me that they have no obligation to comply with the FDCPCA and do not have to notify me of a debt before placing a bank levy. The debt is from XXXX according to United. I was not married in XXXX and divorced as of XX/XX/XXXX. 

The state of XXXX  has a tenants by entirety law and the account United Collection Bureau has a hold on is a savings accounts owned by my current husband and myself. The XXXX  Supreme Court has ruled such funds are not eligible for debt collection. United Collection Bureau informed me that they are not obligated to the laws of XXXX. I have been a XXXX  resident since XXXX. Florida statute XXXX discusses banking laws. The account United placed a hold on is funds for a scholarship for my XXXX XXXX. I earned a scholarship from my employer. United did not notify me of the debt or give me any opportunity to pay debt before placing a bank levy on my account. United claims the debt is to the State of XXXX. I have never been notified of said debt by anyone and it is fair to allow me to research said debt, potentially dispute, before placing a bank levy on scholarship funds.