davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

On XX/XX/XXXX, I opened my first dispute with XXXX XXXX XXXX, contesting five transactions totaling {$2800.00}. This amount was transferred from my XXXX account to my Cash App account to pay XXXX XXXX for goods and services that turned out to be a scam. My dispute was denied on XX/XX/XXXX, and since then, I have filed eight rebuttals.

Cash App, the merchant, has consistently declined my refund requests without providing substantial proof. Their documents state, " XXXX fully authorized payment at the time of transfer. ALL CREDIT belongs to XXXX as the XXXX fully auth this transaction. XXXX has offered NO evidence of claims : NO CREDIT DUE. '' I have provided evidence that I did not receive the apartment, requested a refund from the individual, and filed a police report for theft and fraud. Despite this, Cash App has refused to refund my money, claiming that the charges were authorized. This ignores the fact that I was deceived in this transaction. As an XXXX XXXX XXXX XXXX, due on XX/XX/2024, and currently on bed rest with no income, this money is crucial for providing for my children.

I urgently request that Cash App reconsider my case and return these funds to me. I should not have to bear the consequences of falling victim to a scam, especially when I have provided comprehensive proof of the fraud. The attached screenshot shows Cash App 's summary of their refusal to refund me. While I authorized the transaction, it does not mean I should not be refunded, as I am still a victim of fraud. Despite my ongoing efforts to recover my money, Cash App has only provided my IP address as evidence of authorization, which does not prove I received the goods or services. In contrast, I have supplied actual documentation and screenshots demonstrating that I did not receive what I paid for.
Consumer complaint received 2023-12-28
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. (CA)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (NY)

It has come to my attention that these items are not reporting 100 % accurately to my credit report and there are some inaccuracies within the reporting. According to the FCRA if any items are reporting inaccurately on my credit report they should be removed immediately 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 2024-05-29
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc. (NC)

XXXX keeps sending me herrasment letter, XXXX in the mail about repaying the student loans and they had sent it to XXXX and I tried contacting them to tell them I am unable to repay the loan do to my heath condition called XXXX XXXX XXXX and I am in the process of getting my XXXX XXXX check and i had got a letter yesterday from social security XXXX XXXX office saying I didn't qualify for social security XXXX and I have a attorney for that.
Consumer complaint received 2024-05-29
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MCU Holdings, LLC (TX)

MCU Holdings is a debt collector for simple fast loan, i signed an agreement for {$370.00}, of that {$370.00}, I have already paid {$150.00}, so balance should be {$220.00}, MCU sent me a new statement with a balance of {$590.00}, due to the fact I had to stop payment which I advised them due to circumstances beyond my control, now they have a sent a different balance totally defrauding me based on the agreement i signed and they signed. These are deceptive practices.
Consumer complaint received 2024-05-02
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. (OH)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-09
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. (UT)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from 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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-28
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. (MO)

I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (CT)

I am a victim of identity theft and there we're two credit card accounts that was opened in my name with Discover and XXXX  XXXX XXXX. I am contacted both of them several times and ask them to remove this from my credit report because and sent a police report stating im a victim of a identity theft but they still continue to keep reporting on my profile. They forced me to file for bankruptcy because how negatively these accounts have effected my credit report. I will be filing a lawsuit if they don't remove their profile from my credit report.
Consumer complaint received 2023-04-18
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: EQUIFAX, INC. (VA)

In XX/XX/XXXX my student loan accounts that had late payments were disputed and a response was given of updated. No changes were made or verified. I contacted XXXX who advised me they are not showing me as late and can not see before XX/XX/XXXX and that I needed to contact XXXX student aid. I contacted XXXX with XXXX student aid on XX/XX/XXXX who advised XXXX should have the history of my loan and to give them a call back. I have spoken to XXXX from XXXX who advised she can not view this information and I would need to contact my previous loan company. This company was XXXX XXXX XXXX who no longer services or can be contacted. I have never been late on any loan and they have always been in deferment. Please update or remove the accounts if unable to resolve the issue.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WA)

Pursuant to 15 USC 1681c-2 please delete the fraudulent inquiries on my consumer report as I did not originate these inquires. Also, Please update my personal information to reflect accurate information pursuant to 15 USC 1681e ( b ). PLEASE SEE ATTACHED IDENTITY THEFT REPORT.
Consumer complaint received 2024-05-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: PENNYMAC LOAN SERVICES, LLC. (DC)

To Whom It May Concern, I write to submit a formal complaint against PennyMac for engaging in discriminatory lending practices. During the XXXXXXXX XXXX, I received state assistance due to a reduction in income. On XX/XX/year>, I was notified that the state assistance program had ended. However, on XX/XX/year>, a customer service representative at PennyMac informed me that I was XXXX months in arrears and owed over {$35000.00}, and that my account would be reported to the credit bureaus as delinquent. Furthermore, I was told that if the debt was not paid by XXXX, foreclosure proceedings would commence. 

Despite my request for information on programs to bring my loan current, I was informed that while I applied for a possible modification, negative credit reporting would continue. I explicitly stated my intention to bring my loan current and requested that negative credit bureau reporting be suppressed during this time. Moreover, I made a payment on XX/XX/XXXX, but was told that the entire {$35000.00} would need to be paid. 

In essence, PennyMac fraudulently accepted state assistance funds and is now XXXX on my XXXX just XXXX months after receiving the last payment from the state. I respectfully request the opportunity to continue making monthly payments and that PennyMac suppress negative credit reporting while I repay the arrearage. 

Thank you for your attention to this matter.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I spoke with a representative over the phone to address this issue, she was reluctant to assist me. I would like to have unauthorized hard inquires to be removed from my XXXX credit report. These creditors didn't have permission to run my credit. I have now placed a lock on my credit report.
Consumer complaint received 2023-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I am writing to file a formal complaint against Bank of America, outlining a series of grave concerns and grievances that have not been adequately addressed by the bank. Despite numerous attempts to resolve the matter directly with Bank of America 's customer service, the lack of response, investigation, assistance, urgency, and security regarding a wire recall request has left me with no alternative but to seek your intervention.
Consumer complaint received 2024-01-29
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. (IN)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED

Account name : XXXX XXXX
Account number : XXXX
Consumer complaint received 2024-05-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

I believe the account is invalid. LVNV FUNDING needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged accounts were transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the following accounts to be removed from my credit & their records. LVNV FUNDING XXXX and LVNV FUNDING XXXX
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc. (MD)

XXXX dropped my score XXXX points and has no reason for it. They claimed they cant see past this credit report which I know they are lying. They were supposed to have a supervisor contact me and no one has. 

Ive disputed again a collections all other bureaus have seemed fraudulent except XXXX. 

Ive proven numerous times theres been identity fraud and still it fits in my account fraudulent. 

They kept negative student loans on there that were forgiven due to disability and no longer owed on. They refuse to take that off too. 

The collections I disputed doesnt have my address correct or my phone number. 

It is fraudulent. They cost me a home loan and Im about to sue!
Consumer complaint received 2023-09-26
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: CREDIT ACCEPTANCE CORPORATION (IL)

I obtained financing twice with credit acceptance company last one was XX/XX/XXXX and got a XXXX XXXX  XXXX, prior one was a XXXX XXXX. My XXXX was repossessed 4 times with fees added each time to get vehicle back. My XXXX has been repossessed about 6 times. I have paid {$28000.00} on my XXXX and it has been repossessed again and there is still a balance of {$16000.00} and now I am unable to get my car back without paying that amount in full. I have been told they will auction my vehicle and I will be responsible for the difference. I was unaware there was a class action suit.
Consumer complaint received 2017-12-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

XXXX/XXXX/XXXX Attempted enabling linking for transfer of funds with XXXX, received the following message upon attempting to link the account : " Capital One is blocking you from enabling external applications You have the right to access your financial data. Encourage Capital One to fix this by contacting them ''
Consumer complaint received 2023-12-28
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. (NJ)

According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA -you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be Verified You are reporting inaccurate and/or incomplete information concerning me in consumer reports. Your conduct has caused me distress and financially harmed me with costs and loss opportunity. 
The following ACCOUNT you are reporting concerning me is inaccurate and/or XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-28
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: JPMORGAN CHASE & CO. (NJ)

I purchased a dualfuel stove from XXXX to be delivered on XX/XX/2024 puchase price {$1800.00} + XXXX delivery. Once delivered I realized that my house 's electrical would not support this model. I initiated a refund and purchase of a gas stove purchase price XXXX + XXXX delivery to be delivered on XX/XX/2024. This is within XXXX 's XXXX return policy on appliances. During the delivery of the second stove on XX/XX/XXXX XXXX removed the stove that was delivered on XX/XX/2024. Upon receiving my credit card statement at the end of the month I noticed that the Dual fuel stove {$1800.00} was still on my credit card statement. I called the retailer and filed a credit card dispute with Chase. Chase initially credited the XXXX price of the stove. Upon receiving this month 's credit card statement I noticed that Chase had settled the dispute in the retailer 's favor, because the retailer failed to document picking up the stove they delivered on the XXXX of XXXX during their second visit on the XXXX.
Consumer complaint received 2024-03-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Castle Mortgage Corporation dba Excelerate Capital (TX)

Closed loan in XX/XX/XXXX paid first payment in XX/XX/XXXX by check XXXX paid online XXXX tried to pay online and site did not allow me to so called on the XXXX of the month no answer called on the XXXX of XXXX and still no answer so had a business trip to XXXX XXXX, California and i sent a payment priority mail on the XXXX all along i was trying to reach out and never an answer so they are located in XXXX, Calif. so i decided to drive on the XXXX of XXXX arrived at CASTLE MORTGAGE CORP. dba EXCELERTE CAPITAL and offices had been abandoned, payment have not cleared and phones stay busy..
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. 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 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

under the fair credit reporting Act ( FCRA ) credit Reports must accurately reflect a consumers credit history any discrepancies, such as late payments close account or unauthorized inquiries violates the federal law transfer me the right to dispute any rectify these inaccuracies there are unauthorized inquiries, unauthorized accounts on my credit report closed unauthorized credit card XXXX XXXX bank inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX closed accounts XXXX XXXX XXXX, ( listed twice ) XXXX XXXX XXXX XXXXXXXX bank ( listed twice ) XXXX XXXX  ( listed twice ) XXXX XXXX unauthorized account closed
Consumer complaint received 2024-02-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (FL)

ACCOUNT # XXXX date : XX/XX/20XXXX XXXX XXXX XXXX XXXX  HAS VIOLATED MY RIGHT TO PRIVACY 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the fol lowing findings : ( 1 ) The banking system is dependent upon fair and accurate credit report ing. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

10 604 - 15 U.S.C. 1681b ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit trans action involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or