davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-24
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. (WY)

Despite my previous attempts to rectify these inaccuracies, the errors persist, significantly impacting my creditworthiness. This letter serves as my numerous formal request for the correction of this erroneous entry. Despite these efforts, this account remain inaccurately reported, causing undue harm to my credit profile. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is accurate and free from errors. The continued presence of these late open account on my credit report is a clear violation of the FCRA, and it continues to affect my ability to access credit, secure loans, and make important financial decisions.

I request that could help me to conducts an immediate and thorough reinvestigation into this account, reviewing the documentation I have previously provided and any new evidence that may be necessary. It is imperative that you correct these inaccuracies and update my credit report accordingly without further delay. Furthermore, I expect also for your assistance to notify all the credit reporting agencies to which you have provided this erroneous information, as required by law, to ensure these inaccuracies are not further disseminated. With this, I am asking for your assistance to correct the account : XXXX XXXX XXXX Balance : {$29000.00}.
Consumer complaint received 2018-03-14
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. (PR)

On XX/XX/XXXXI sent two certificates letters XXXX and XXXX To Equifax to validate the accuracy of two accounts informed with negative information reported by XXXX XXXX  # XXXX and XXXX XXXX # XXXX .I gave 30 days since received the letters to complete the investigation Never received a reply to those letters sent in the 30 days terms. OnXX/XX/XXXX I sent another two certificates letters XXXX and XXXX indicating that they had violated federal law under the fair debt collection practice act, the fair credit reporting act and the corresponding local state law by not replying in a timely manner to my initial letters. They replies those letters with the argument that they verified the accuracy but with no signed document that proves that those accounts belong to me I am filing this complaint because Equifax has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed.in two occasions They have not verified these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' promptly delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible Thank you. 
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 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 ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below see attach below with copies of the letters sent a proof of delivery by USPS.
Consumer complaint received 2024-06-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (MI)

My son pays rent to me every month through the CASH App. We used it because it was easy to track. On XX/XX/year>, my son sent {$600.00} to me through the CASH App which I received an email from CASH App of the deposit. On XX/XX/year>, I opened CASH App to transfer the payment to my bank account. I initiated the transfer for the delayed deposit to avoid any fees. This is the same process I have used every month for years. On XX/XX/year>, I received a text message from CASH App stating that my phone number has been unlinked from my CASH App account. I opened up my CASH App account and found someone from Florida logged on my account. I immediately removed that person from my account. At the time, I did not realize the person who breached my account cancelled my transfer of {$600.00} to my bank and then transferred my money to a unknown Green Dot card for {$600.00} and paid {$10.00} for the immediate transfer. HOW DOES THIS HAPPEN? How does someone get full access to my secured account from another state and CASH App allowed this transfer to happen. CASH App knows all my information and they know where I live. I called CASH App customer support and tried to explain over the phone what happen and asked for a refund. The CASH App representative took my information and said they will respond within 10 days. 10 days passed with no response, so I called the same customer support number. The representative said my claim was denied. I asked to speak to a supervisor or someone else, but they said no one else is available. I feel like a was talking to someone out of the country and was not understanding. I'm very frustrated from the lack of responsibility and position CASH App is taking by denying my claim. It was only {$600.00}, but this type of fraud should never happen. CASH App has the control. They must have a serious problem that is being covered up. They could have prevented this transfer of funds when they realize that someone login to my account from over XXXX miles away. CASH App is responsible for this breach in their security and should refund my {$600.00}. Also, who ever breach my account, made a cash request of {$600.00} and {$1200.00} to my son that was not initiated by me. Very scary that this scammer had full access to my account.
Consumer complaint received 2024-06-24
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc. (FL)

Over the past three years, Ive been asking the CFO, appointed at the Department of Education/Nelnet for proof of certificate of indebtedness, financial statements demonstrating where did this debt originated from. In order to find that information is through an income statement that will show the assets column and the liabilities column painting a story of the company account payables as well to as an account receivable, Balance sheet and the cash flow statements. I am requesting to have each and every receipts that was concealed from me as a consumer.

Money is an illusion. In this monetary system it only has credit/debt. How could I possibly pay off bad debts using legal tender notes known as the Federal Reserve Bank with another debt? How is this possible with money being out of the picture? All debts must be discharged after three years not lingering around your mind.
Consumer complaint received 2024-06-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY (UT)

I purchased a car in XXXX  with a loan from wells fargo. I heard there was a lawsuit against them. My car was repossessed and there were extra products put on the loan I did not request. I am not sure what is owed back to me.
Consumer complaint received 2024-06-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NV)

Under the doctrine if estoppel by Silence, XXXX vs XXXX ( MO ) XXXX XXXX XXXX. I may presume that no proof of the alleged debt, Nor therefore any such debt, in fact exist.

15 USSC 1681 never giving written consent For LVNV Funding LLC Collections Agency to furnish or obtain my information. Taxes are written off for unpaid debt while debt is being sold to collection agencies that illegally obtain recovered money for their own selfish, self-fulfilling beneficial gain. You are illegally recovering money from me that has been already been recovered through tax write off. Technically, I dont owe the credit agencies because I never borrowed anything from you. Information is being illegally collected for third party collection agencies to obtain social security numbers and birthdays for self-use of incriminating people to fall under the impression that you were are the initial loaners and that debt needs to be paid back to the initial loaning agency for relief. I do not owe the collection agency because once again 15 USSC 1681 is never giving written consent to furnish or obtain my information.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (IL)

I had an auto loan through Santander that was paid in full and closed ( in good standing ) in XX/XX/XXXX. Recently, while reviewing my credit report to prepare to apply for a mortgage, I noticed that Santander reported to all three credit bureaus that I missed payment in XX/XX/XXXX- the month my account was paid in full. 

On XX/XX/XXXX, I disputed the information with all three bureaus. My history was accurately updated with XXXX. When reporting information to both XXXX and XXXX, however, Santander removed the original inaccuracy, but included new, blatantly inaccurate information : my credit report with both bureaus now indicates that I missed a payment in XX/XX/XXXX - XXXX months AFTER my account was paid in full. 

On XX/XX/XXXX, I disputed this new inaccuracy. On XX/XX/XXXX, Santander responded to XXXX and failed to remove this obvious inaccuracy, which is in clear violation of the Fair Credit Reporting Act. 

While I have disputed this information for a XXXX time, this information is negatively impacting my credit score, causing me to qualify for a mortgage rate that's higher than what I would otherwise qualify for if the information were accurate.
Consumer complaint received 2024-06-21
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (NJ)

My account was with XXXX. I was paying a small portion during the Pandemic for Covid in 2020. I had an agreement with XXXX  to start paying more after the Quarantine. I was not working at the time. Next thing I knew I'm getting a bill from some law firm for over XXXX XXXX. I d

on't know who these people are so I'm not paying. Then I learned that XXXX bought XXXX. 
So here I am not wondering about my agreement with XXXX. I can not contact XXXX cause they don't exist any longer. Called XXXX and they have no idea who I am or what I'm talking about. 
I am not paying any money to anyone. This company that is on my XXXX credit report, I have no idea who they are and why they have a debt on my report. 
I need to have this removed from my report. This company is not registered in NJ. I do not owe them any money.
Consumer complaint received 2024-06-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (IA)

Recently, my phone was stolen, and during this time, several transactions were made to transfer funds to my XXXX XXXX account without my consent. I have substantial evidence, including video surveillance, that confirms these transactions were fraudulent. 

XX/XX/year> ( {$150.00} ) {$0.00} ( {$150.00} ) PAYMENT SENT XX/XX/year> ( {$160.00} ) {$0.00} ( {$160.00} ) PAYMENT SENT XX/XX/year> ( {$150.00} ) {$0.00} ( {$150.00} ) PAYMENT SENT XX/XX/year> ( {$150.00} ) {$0.00} ( {$150.00} ) PAYMENT SENT XX/XX/year> ( {$170.00} ) {$0.00} ( {$170.00} ) PAYMENT SENT XX/XX/year> ( {$50.00} ) {$0.00} ( {$50.00} ) PAYMENT SENT XX/XX/year> ( {$150.00} ) {$0.00} ( {$150.00} ) PAYMENT SENT XX/XX/year> ( {$150.00} ) {$0.00} ( {$150.00} ) PAYMENT SENT Before I was aware of the video evidence, I disputed these transactions via the cash app app. However, I have since struggled to communicate additional information to support my claim due to the automated response system. 
Moreover, my account was closed for allegedly violating terms of service, which I believe is a direct result of the fraudulent activity conducted by another party. This decision was made without proper investigation or consideration of the evidence I provided or have attempted to provide, including past transaction patterns that were willingly made and are unrelated to the disputed charges. 
Under Regulation E, I am entitled to dispute unauthorized electronic fund transfers and request an investigation into such matters. I am seeking a thorough review of my case, the reopening of my account, and the return of the stolen funds. The supporting documents I received only reflect the disputed transactions that's all, and do not account for the unauthorized access to my account or show me how they supported them making their decision to deny my disputed transactions. I feel I did not receive a reasonable investigation. 
Despite having surveillance evidence of the theft and previously informing your support team that I recognized the individual, it seems my claim has been dismissed based on our past transaction history. 
This is a serious matter that not only involves financial loss but also a breach of security and trust. I urge cash app to reconsider the evidence provided and acknowledge the gravity of the situation. The fact that I had sent money to the same person in the past should not negate the current fraudulent activity. 

They also returned two payments that were sent to me one for {$500.00} and another for {$100.00} - ( not even on the dame day the money was stolen- entirely different days and unrelated to disputed charges ) why?
Consumer complaint received 2024-06-22
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: I.C. System, Inc. (OH)

XXXX, on a monitoring program just notified me of a XXXX point drop in credit, as on XXXX, a company called IC Systems reported an unpaid balance of {$290.00} under an acct ending in XXXX. 

Agency number XXXX Original Creditor being XXXX XXXX. 
I deny under penalty of perjury the debt is accurate or mine and have received no service from them in several years.

Can this company immediately remove this fraudulent bill or explain why they are mailing me new credit offers daily by mail. A housing issue of invasion of HIPPA and financial privacy under the current landlord is slowing down my response to you but trying to maintain integrity with you but situation in HUD housing is XXXX XXXX XXXX XXXX and health is declining but trying to position myself to study your credit rebuilding program when I am in a safer situation. Thank you. XXXX XXXX XXXX XXXX XXXX Many blessings to you and praying for better and safer days ahead. My thanks for your ongoing availability and response.
Consumer complaint received 2023-08-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I am going through a separation and financial hardship related to such matter. I have contacted XXXX XXXX in XXXX, VA on several occasion. Paid to have trouble shooting to the vehicle and they have failed to respond. My husband was in possession of vehicle prior to the separation and no the transmission seems to be slipping. We are going through a terrible custody case in court and he is unwilling to release the loan. I am a XXXX XXXX  mother at this time and can not afford the loan regardless. I am out of options and need resources please! Contacted XX/XX/2023 via phone approx. a month ago took to the dealership with no avail. and have attempted to contact the loan holder capital one with no return calls. payment {$780.00}
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (SC)

My account with HONDA FCU was never late! I have had exceptional payment history with HONDA FCU and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX to XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


HONDA FCU Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Adjustment Company Incorporated (OH)

I am writing to file a formal complaint against Consumer Adjustment Company for violations of the following laws : 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ), 12 1006.34 ( d ), and 15 USC 1681-S 2 ( 7 ) ( a ). I received notification from all 3 credit reporting agencies on XX/XX/year>24 that an account was opened XX/XX/year>24 for {$1600.00}. This has caused an adverse effect on my credit file. 

I am disputing owing any and all debts to Consumer Adjustment Company. I am also revoking all rights of Consumer Adjustment Company communicating with me through calls, email, or text. 

I would like a copy of the following items : The purchase agreement between Consumer Adjustment Company and the original creditor.

Proof Consumer Adjustment Company is licensed and bonded. 

I kindly request that the Consumer Financial Protection Bureau investigate these violations and take appropriate action against Consumer Adjustment Company to ensure that they comply with the law and cease these unlawful practices. 

I have attached a copy of each reporting agency to reference what it is reported. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-06-21
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: AMERICAN HONDA FINANCE CORP (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. 2003 ) I have not initiated any transaction with XXXX XXXX XXXX XXXX Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX XXXX for review or collection. 

Pursuant to 15 U.S.C. 1681XXXX ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. 


By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 


Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX Best regards, XXXX XXXX
Consumer complaint received 2024-06-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (KS)

I was required to take tXXXX XXXX XXXX XXXX XXXXr and was not aware XXXX XXXX had issued a bill for the request. Neither my doctor 's office nor XXXX XXXX mailed me a bill. Without trying to reach out to collect the debt XXXX XXXX sent me to collection. Credit Collection Services was the party that acquired my bill and is attempting to collect though my benefits were never applied.