davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-30
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (CA)

XXXX XXXX  claims the internet equipment was never returned to them after the service was canceled in XX/XX/XXXX. Any notice was not received prior to opening a collections account for {$110.00}. I was notified of the miscommunication when it was reported to the XXXX and other credit bureaus in late XXXX. 
It was instantly disputed with XXXX with photo evidence of the XXXX receipt. It was overturned and removed from my XXXX credit report. Unfortunately, I did not dispute with XXXX and XXXX at the time since I dont regularly check those credit reports. 
I no longer have the receipt from XXXX but XXXX has documentation archived from the dispute per a conversation with XXXX customer service on XXXX  XX/XX/XXXX.
Consumer complaint received 2024-02-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp. (CA)

I had saw an ad on my phone for XXXX XXXX XXXX XXXX XXXX XXXX tour merchandise and had thought that they were a legitimate website XXXX XXXX XXXX XXXX XXXX. I used XXXX to help pay for my order in XXXX installments. I paid the full XXXX installments but upon receiving the item I realized that they were counterfeit items and had reached out to the merchant from XXXX  for help. The merchant did not respond to my emails and so I reached out to my bank for assistance with fraud. Upon investigation, they were able to authorize a chargeback for the fraudulent item. I had thought my issue had been resolved. However, I started to get emails from XXXX XXXXtating that I have an overdue balance of {$140.00}. Thinking that this was an error on their end ( since the bank had stated that it had been resolved ) I did not respond to their request asking me to pay my overdue balance. TrueAccord is trying to request me to pay off that loan which is now {$170.00} due to interest. I do not believe it is fair to expect me the customer to pay for this loan that has been investigated by my bank. If there's any additional information you need me to provide please let me know. I do not know who else to further contact as XXXX is choosing to ignore my emails and now my loan is being sent to True Accord and I do not wish for it to affect my credit score. Its XXXX XXXX XXXX has now closed their website as well.I am experiencing financial hardships due to my dog suddenly getting diagnosed with XXXX and for the past few months it has been extremely hard to deal with that AND the issue with XXXX which I had already thought was resolved.The balance for my account kept saying it was " overdue '' but my bank had already disputed the fraudulent purchase. Thank you in advance. The loan number is XXXX. I would like to reiterate the merchant that sold me this product sold a counterfeit item and the website is no longer in service and has been suspended.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XX/XX/XXXX XXXX This is a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. According to the FCRA 15 USC 1681a ( 2 ) A ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance reported or not. 
XXXX XXXX XXXX XXXXXXXX Late 60 days XX/XX/XXXX I also respectfully request to be provided proof of this alleged item, specifically proof that these payments were in fact late. By the provisions of the consumer protections laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as agreed, never late ) and supply a corrected copy of my report. 
I am also requesting the description of the procedure used to determine the accuracy and completeness of the information. I have read that this must be provided within 15 days of the completion of your investigation. I also read that under federal law, you have 30 days to complete your investigation. If you can not correct this information, under the FCRA 15 USC 1611, Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.

Please send an updated copy of my credit report to the above address. Or this will be taken to Federal Court. 
Thank you for your time and help in this matter.
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

How can two account be report the same information. This is inaccurate information. Under the fcra laws this is a violation to my right and I would want this remove and delete off my credit report. XXXX have two account this is one of the account number XXXX and the second account number is this XXXX XXXX also how can you be late 30 day show 1 time, and 60 day shows 0 late days, and 90 days shows late 10 times. This is inaccurate and incorrect information on my file. How is these two account report the same information. Please delete and remove these account its hurting me from get a house for my family. 15 us code 1681b I have my right and this law is what following under the right to have these account removed immediately. Also upload pictures showing the inappropriate and inaccurate information.
Consumer complaint received 2024-07-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (AZ)

Case # XXXX My account was hacked and transfers were made without my consent coinbase had a security breach and this was how the hackers were able to get into my account in total I lost XXXX $ and havent been able to recover these funds.
Consumer complaint received 2019-10-06
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: Block, Inc. (FL)

Having problems with cash app. I was at XXXX XXXX XXXX and left my card in the machine. Whoever came after me used my card to buy a meal without me knowing. I tokd the company only the first charge was mine the second was unauthorised but they refused to issue a refund. Said i  had to file a police report over a XXXX dollar sandwich charge. Ridiculous
Consumer complaint received 2024-01-27
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. (SC)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

I summited a complaint on XX/XX/ about some improper information reporting in my credit report. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below including my personal information. 
Correct Personal information : Full Name : XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, OH XXXX According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate.

And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. Also I uploaded my a picture of my DL and the credit report showing the inaccuracies.

**List Accounts Must be REMOVED** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-15
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. (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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC (FL)

Around XXXX of XXXX CREDIT CONTROL reached out to me about an alleged debt that they were assigned from Current Owner : XXXX XXXX XXXX as of XXXX XXXX. Upon receiving the notice I contacted them to let them know the account isnt mine and Ive notice several inaccurate personal information such as my name, addresses, and other personal information. I informed them I am a victim of identity fraud and sent the documents they wanted to clear my name but to no avail I am still going through this ordeal
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXXXX/XX/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
Consumer complaint received 2024-07-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (IL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-08-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (NY)

Dispute was filed for service not provided when an accountant failed to do what he was hired to in the course of the year and the IRS demanded payment so I fired him. After the first denial, I learned they wrongfully put the reason as " paid another way '' as I said I ended up paying a bill to the IRS I don't owe. They reopened it they said, as service not provided, but then they denied it again. When I called I was told the reason was never changed. I contacted their corporate " integrity department '' and they did a review of the process, and it was denied again as they only honor disputes if their is proof of refund due- which is against my rights as a consumer. 
Dispute is regarding XXXXXXXX XXXX XXXXXXXX for {$1600.00}.
Consumer complaint received 2024-08-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (GA)

Sections 623 ( a ) and 809 ( b ) of the FCRA have been violated. Original debt instrument with wet signature can not be provided. Copies of said instrument are assumed frivolous. Federal evidence procedure XXXX must be followed when validating debt. FDCPA doesnt cover this debt. Furthermore Company has shared my information without my consent to third party/sister companies.
Consumer complaint received 2022-11-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I sent a dispute letter to Transunion, XXXX, and XXXX on XX/XX/2022 about a few incorrectly reported accounts on my credit report and requested that they verify or delete the incorrect information. It is now XX/XX/2022 and they have failed to respond in a timely matter and I have received no update from them. I am requesting that you have the incorrect accounts removed immediately.
Consumer complaint received 2019-09-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (FL)

I used to use CashApp as my direct deposit method, as I have a debit card for it. CashApp closed my account for no reason on the XX/XX/2019. I got paid on the XX/XX/XXXX and attempted to access my funds.The account my funds were sent to is closed and as well as my CASHAPP. The bank of course denied the funds and sent it back to CashApp. I have beejn trying to get assistance for a week now and have yet to speak with anyone. I am late on my rent, phone bill and other things. what am i supposed to do??
Consumer complaint received 2015-09-04
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK (AZ)

I w alerted that I was a victim of identity theft when my credit card limitwas decreased from {$30000.00} to {$2500.00}. The delinquent account is withDiscover. It has been three weeks and I have not gotten cooperationwith them to remove this account from my credit report. I still, after threeweeks have not received an affidavit to complete, they are still using thefraudulent information when I call to confirm my identity to check for pro-gress on the investigation and will not release any information to me. Iwas told by one person that the affidavit was mailed to the address thatwas used to open the account, which is in another state, and not to me. II feel that I am getting no respect, no cooperation, and no help with thismatter, when they are at fault for opening the account with inaccurateinformation. They told me that there is no documentation of when I have callecalled to make inquiries. DISCOVER is not taking any responsibility/accountability forthis. I feel as though I am being treated as the guilty party when I aminnocent and trying to clear my credit report, which has been stellar untilthis incident.
Consumer complaint received 2023-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

In accordance with the FCRA the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish a account without my written instruction which I never did for any of these accounts.
Consumer complaint received 2016-07-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (WI)

I purchased a condominium in XXXX, IL in XXXX XXXX. The unit was my primary residence for a while, but later became a rental property. I have a fixed-rate 30 year mortgage through Wells Fargo on this property - Wells Fargo sold the loan to another company, XXXX ( XXXX ), on XXXX XXXX, XXXX. I had made a web payment of {$1000.00} on XXXX XXXX that basically did not get applied to my loan balance before the sale of the loan. I started to discuss the problem with XXXX XXXX ( as soon as I got the statement indicating a missing payment ) ; after four months of investigating the matter, they claimed it was Wells Fargo 's fault, that Wells Fargo never wired over that money, and suggested I talk to my bank ( who could really do nothing ). I spoke with Wells Fargo, who initially admitted it looked like they did n't apply the payment to my account before the loan sold. I got a proof of payment letter from my bank ( XXXX XXXX XXXX ) and sent it to Wells Fargo so that they could investigate. Then they did some investigation and started pointing the finger at XXXX in XXXX. 

I had brought my account current with XXXX in early XXXX to avoid any credit issues, so I am basically out {$1000.00}. Wells Fargo verbally told me they 'd make me whole if they could n't get to the bottom of it, but when I 've called the last several weeks looking for an update they ' have been unresponsive. I have not had a status update on the matter since XXXX. I want my {$1000.00} payment to be refunded to me directly if possible, or applied to my mortgage balance.
Consumer complaint received 2015-10-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

First of all, thank you for handling my Complaint. 
After reading the Consumer Financial Protection Bureau Rules to protect homeowners,I can briefly write my Complaint by saying that:"Rushmore Loan Management Services has violated each and every one of the Rules"
I am trusting that you will base your final conclusions on facts and evidence and not words written in a piece of paper, that is why I am presenting each of my TRUE statements with documents attached.
Please, know that the least I expect is the same from Rushmore.
On XX/XX/XXXX 2014, Instead of Rushmore informing me that they were the NEW Servicer, I found out because I received an e-mail XXXX, saying that Rushmore was going to continue processing my Loan Modification request and Rushmore HAS NOT UNDERWRITTEN MY FILE! (Exhibit G).
For fifteen months I have been calling and sending e-mails and ALL Rushmore's employee refused to talk to me. All of them refer me to Rushmore Attorney, XXXX who does not answer either!
My Complaint has more characters that the ones remainning therefore I will be attaching my three pages Complaint for your review and consideration.
It is with gratitude in my heart for the existence of Consumer Financial Protection Bureau that I place this complaint against Rushmore.
Sincerely,
XXXX
Consumer complaint received 2023-09-15
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 EXPRESS COMPANY (OK)

I recently checked my credit and noticed there are a LOT of injuries that I did not authorize and have no knowledge of. I reached out to the credit bureaus who told me to reach out the creditor themselves. I called but they were not willing to help with removing them.
Consumer complaint received 2024-07-21
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. (IN)

I keep trying to reach Experian about the information they are showing for XXXX and XXXX. What is displayed for the XXXX score according to Experian in regards to XXXX and XXXX are very different. Experian shows a score of XXXX for XXXX but XXXX shows a score of XXXX ; They show XXXX as XXXX but XXXX shows XXXX. Experian also shows both as either fair or poor payment history for XXXX XXXX respectively, However, XXXX has a recent dispute letter from XXXX showing a positive payment history as does XXXX. So, where is Experian getting this information and why haven't they updated anything in months? 


I can't get thru to anyone to find out
Consumer complaint received 2019-07-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (WA)

on XX/XX/19 I had sent a deposit of XXXX bitcoin to my cashapp account from a website called XXXX, a company that deals with legal Bitcoin Gambling. The transfer was successfully sent to cashapp, who then pended the deposit for review. On XX/XX/19 I contacted customer support about the deposit who said that my deposit would be available shortly. Later in the day, I found out my account had been cancelled and that I would no longer be able to use cashapp for violating their terms of service and that they would reverse my deposit. They did not reverse the deposit, and I have sent countless emails to their customer service and have not recieved a single email back regarding my deposit.