davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-11
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. (MO)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2024-02-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: COLUMBIA BANKING SYSTEM, INC. (CA)

On XX/XX/2023, I deposited a check on my account from my bank account at XXXX XXXX for an amount of {$800.00}. Since then my account is freeze without having any notice or informing me the situation or reason. 
I went to my branch and my banker XXXX XXXX ifnormed me that they need a bank statement from my account at XXXX XXXX was paid. 
I sent that information twice to him and the issue with my account remains, They are seizing my money without any valid reason.
Consumer complaint received 2023-10-26
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: EQUIFAX, INC. (MD)

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2024-06-17
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. (OH)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
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 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 2024-02-26
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: SUNCOAST CREDIT UNION (FL)

The loan was for the amount of {$1200.00}. I made a payment and my account was never updated. I have tried to reach out to someone multiple times regarding the issue but I never got the proper help regarding this issue.
Consumer complaint received 2024-02-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MI)

I received XXXX separate written notices from Resurgent Capital Services stating I owe two separate debts from XXXX XXXX XXXX XXXX, accounts ending in XXXX and XXXX. Per the letters both accounts originated in the year XXXX. Neither of the accounts belong to me ; furthermore, I believe the communications lacked the necessary information in an attempt to start communication therefore they can activate the ability to try to collect on these alleged debts that are almost XXXX XXXX XXXX. On XX/XX/XXXX I sent a certified letter because Resurgent 's agency sent information that lacked what is needed to validate two accounts being handled by XXXX XXXX XXXX XXXX. I sent certified mail to Resurgent 's disputing accounts represented by XXXX XXXX XXXXXXXX and now some how they are now sending this letter stating I am disputing the above mentioned XXXX accounts. The letter was very clear which accounts I was questioning. I never contacted this company about any XXXX accounts because I do not own these accounts. XXXX XXXX XXXXXXXX gave this company my contact information and now they are trying to collect on accounts over XXXX decades old.
Consumer complaint received 2024-04-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (NM)

MR COOPER IS ILLEGALLY REFUSING TO RE-ANALYZE MY ESCROW. THEY ILLEGALLY AND NEGLAGENTLY FAILED TO PAY THE HOME OWNER 'S INSURANCE LEAVING ME AND MY FAMILY UNPROTECTED FOR TWO WEEKS. MR COOPER OWES ME A REFUND AND TO AVOID ISSUING THE REFUND THEY ARE REFUSING TO RE-ANALYZE THE ESCROW. I '' VE MADE SEVERAL PHONE CALLS, OPENED FOUR SUPPORT TICKETS, SENT A DOZEN EMAILS AND I AM STILL WAITING FOR THEM TO DO WHAT THEY NEED TO DO. I CONSIDER THIS A REFUSAL TO MAKE THINGS RIGHT.
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (GA)

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate : XXXX : XXXX XXXX XXXXXXXX XXXX XXXX, I This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-06-08
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (AZ)

Cash app continues to allow unauthorized charges to my account. I keep my cash app card empty because of the incessant withdrawals that keep arising. Cash app continues to rob people of their hard earned money. They also continue to raise the transaction fee cost which is highly unethical.
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

Equifax credit report pulled on XXXX XXXX XXXX XXXX : *shows closed and delinquent as of XXXX this is incorrect *shows delinquency first REPORTED is XX/XX/XXXX instead of DATE OF FIRST DELINQUENCY .other two credit reporting agencies have date of FIRST DELINQUENCY XXXX which is correct * Can not even see a removal date so removal date is past tense as evidenced by another page in the same report as COLLECTIONS= YOU CURRENTLY HAVE NO COLLECTIONS! 
See three photos attached as proof All of this is extremely confusing, incorrect and doing me great harm.
Consumer complaint received 2024-02-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P. (TN)

This, Item was discharged and the Credit Bureaus do not properly verify the information according to 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A and 12 CFR 1006.34 ( b ) ( 5 )
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mcburberod Financial, Inc. d/b/a SeedFi (TX)

XXXX of XXXX, SeedFi is reporting a late payment. I was never late and the company refuses to show any documentation of being late. I want this corrected as paid and never late as I was not late the 30 days they are claiming.
Consumer complaint received 2024-06-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: AMERISAVE MORTGAGE CORPORATION (PA)

XX/XX/scrub>/24 I XXXX XXXX was contacted by phone by amerisave in regards to a loan for a home i recently purchased. I was made under the impression amerisave was the mortgage company the realtor during the open house was referring to that worked directly with XXXX XXXX, the company building my new home in New Jersey. XXXX representative XXXX XXXX phone number ( XXXX ) charged me {$540.00} as an application fee to sign up for a loan i didnt need. They refuse to refund my money. He refuses to answer my phone calls. I have e-mail him and he continues to give me the run-around. I reported them as fraud to the credit card i was billed on and they rebilled me. Multiple XXXX XXXX employees have tried to help me dispute their charges after they noticed online that multiple other people have also felt as though theyve been scammed by amerisave
Consumer complaint received 2024-02-26
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. (NC)

THE FOLLOWING COMPANIES WERE REACHED OUT TO ASKING FOR VALIDATION OF ACCOUNTS AND I HAVE NOT RECEIVEDANY RESPONSE : XXXX, XXXX, AND XXXX. THEY ARE REPORTING THESE ACCOUNTS ON MY CREDIT REPORT AND I HAVE NO KNOWLEDGE OF ANY OF THESE AND AM A VICTIM OF IDENTITY THEFT. 

XXXX XXXX {$14000.00} XXXX XXXX {$1800.00} LVNV FUNDING {$1000.00}, {$1200.00} XXXX XXXX {$1800.00} XXXX XXXX {$7400.00} XXXX XXXX {$13000.00}
Consumer complaint received 2024-06-08
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (FL)

On XX/XX/year>, someone hacked into my CashApp account and took {$60.00}. I contacted Cash App about the issue and they denied me twice. I sent them several emails explaining the data breach and they still refused to reimburse me my money. Ive sent the the data breach email I reviewed from XXXX and CashApp still denied my claim. 

Please help resolve this issue. 

Thank you.
Consumer complaint received 2024-02-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (VA)

I am writing to express my deep concern and dissatisfaction regarding an issue I have encountered with my Chase bank account. 

On [ XX/XX/2023 ], I experienced an unexpected and unexplained lock on my account, which has left me unable to access my funds. This situation is not only inconvenient but also has significant financial implications for me. 

I have diligently reviewed all the transactions and activities associated with my account and found no suspicious behavior that would warrant such drastic measures. Given the urgency of the matter, I kindly request an immediate and thorough investigation into the reasons behind the account lock and fund blocking. 

Additionally, I would appreciate clear communication regarding the steps that will be taken to resolve this issue promptly. Timely access to my funds is crucial, and I trust that Chase Bank, known for its commitment to customer satisfaction, will address this matter with the urgency it deserves. 

Please acknowledge the receipt of this complaint at your earliest convenience, and I expect to be kept informed throughout the investigation process. I can be reached at [ XXXX ] or [ XXXX ] for any further clarification or information you may require. 

Kindly be notified that this is the amount of money in my bank account : [ XXXX ] I understand that errors can occur, and I appreciate your prompt attention to rectify this situation. Thank you for your understanding and cooperation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2024-02-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vow have in our files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account, then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2024-06-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (NY)

on XX/XX/year> i was using cashapp to buy a service in which the service was never sent to me the person i sent the funds would end up blocking me taking my {$250.00} and not giving me the product i was trying to receive i then asked cash app for a refund in which there support team said the transaction was finalized and i could not refund it without contacting the seller
Consumer complaint received 2024-02-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: January Technologies, Inc (IL)

On XX/XX/XXXX, I received an email requesting {$20000.00} for a debt I did not know with this company. I NEVER received a statement from this company. 

On XX/XX/XXXX, I sent a letter certificate letter to the company asking for a " Verification of the Debt. I stated that I was invoking my rights under the FDCPA and any other applicable state laws as well. A request is hereby made that suspend all collection activities and that the agency provide me with clear and convincing evidence that I have a legal obligation to pay and/or the original creditor for the amount in dispute. 

On XX/XX/XXXX, the letter was delivered and signed. 


The company violated my rights on the following dates : On XX/XX/XXXX and XXXX, XXXX, the company
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TX)

I recently submitted a dispute to Equifax via certified mail with return receipt # XXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX. XXXX. Concerning my consumer report being incorrectly frozen or incorrectly merged with that of another consumer by Equifax. To date I continue to be prevented and Blocked from retrieving my personal credit reports from Equifax via XXXX XXXX XXXX website. As this is not an isolated issue. I have complained to CFPB and had this issue escalated to XXXX XXXX XXXX. which operates XXXXXXXX XXXX XXXX Equifax is one of three co-founders of XXXX. Which makes it legally Equifaxs responsibility to assure that consumer credit reports are being released with the utmost accuracy. If not, this is a direct violation of the FCRA Act. I submitted a complaint to XXXX XXXX XXXX via CFPB website XX/XX/XXXX. To make it aware that I was being blocked from retrieving a free copy of my consumer credit reports. Which are my rights according to the FCRA Act and federally mandated. To date XXXX XXXX XXXX has failed to correct the issue. I am still being blocked from accessing my consumer credit reports. Which is a blatant violation of FCRA Act. FCRA Act section 15 U.S.C. 1681e ( b ) mandates that whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. If these procedures are not followed, it is a violation. The FCRA requires that the credit reporting industry implement procedures and systems to promote accurate credit reporting. On numerous occasions the consumer has made XXXX aware of this issue and requested it to be corrected to no avail. Despite actual knowledge of my credit file being mixed possibly with that of another consumer and or inaccurate. Equifax has failed to correct and continues to illegally block me from my consumer reports at XXXX XXXX XXXX Which means Equifax could be guilty of readily selling false information to third parties. As I have no way of retrieving, reviewing for errors, and disputing inaccurate information.
Consumer complaint received 2024-02-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NJ)

On XX/XX/XXXX my Venmo account was frozen upon signing up due to Identity verification reasons. It took days to weeks to get a response on why my account was frozen and a proper reason was still not disclosed. 

My account had still been frozen for a few years and when I reached out on XX/XX/XXXX, I did not recieve a response or verification that my information was received. Upon contacting Venmo support on multiple occasions, any call for assistance was ignored or constantly pushed back. From a response in 24 hours turned to 8 days to now 10-15 days before I could even hear back from the account specialist.
Consumer complaint received 2024-05-24
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: Experian Information Solutions Inc. (FL)

I consistently pay on time and am certain of my punctuality. However, I'm puzzled as to why this company is marking me as late in some months, which is incorrect. Under USC 1666b, billing errors must be corrected immediately.
Consumer complaint received 2024-05-24
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. (WI)

After reviewing my credit report, I noticed that it has multiple accounts listed that I've never been associated with. I've never applied for such accounts, nor have I given anyone my information. I've been a victim of identity theft and i would like these accounts removed immediately. 

XXXX XXXX XXXX - Opened XX/XX/XXXX with a balance of {$1100.00} Acct # : XXXX XXXX  XXXX XXXX XXXX- Opened XX/XX/XXXX with a balance of {$29000.00} Acct # : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX with a balance of {$1400.00} Acct # : XXXX XXXX XXXX XXXX XXXX Opened on XX/XX/XXXX with a balance of {$1000.00} Acct # : XXXX XXXX XXXX Opened on XX/XX/XXXX with a balance of {$200.00} Acct # : XXXX
Consumer complaint received 2023-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 XXXX XXXX XXXX XXXX
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: Experian Information Solutions Inc. (VA)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$3400.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX