davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

The account appears on my credit report as follows : ( Pay Status Paid, Closed ; was 30 days past due date< ), this is incorrect because it was paid completely on time and the agreed terms were excellent since in times of the COVID pandemic they were hard for everyone and the bank and I considered deferring the payments for three months for Therefore everything was paid on time and in the time estimated by the creditor, and I am seeing in my credit report that it is 30 days late and is incorrect, please correct the 30 days late which is incorrect and is a Satisfactory Accounts .The account gives incorrect information of 75 months and the correct ones are 74 months.
Consumer complaint received 2024-08-20
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Incomm Holdings Inc. (CA)

I purchased a XXXX XXXX XXXX card from a XXXXXXXX XXXX on XX/XX/year> with a balance of {$500.00}. Within XXXX minutes of purchasing the card, I realized a set of XXXX digits were scratched off from the front of the card. While the card was within XXXX minutes of the merchant activation period, I contacted customer service, which blocked access to funds. The agent told me the case would be resolved in XXXX to XXXX days, if not in XXXX days. I sent them the proof of purchase and pictures from the front and back of the card on XX/XX/year> and requested a refund for the balance and the activation fee of {$500.00} total. According to their website and their agents, the case was set to be resolved by sending the refund check to me by XX/XX/year>, but there has been no action on their side. They have escalated the case twice since then, but it was of no remedy. My case number with them is XXXX.
Consumer complaint received 2024-08-22
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. (CA)

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 2024-07-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The reappearance of the XXXX XXXX XXXX account on my credit report, despite its previous removal for fraud, is a clear violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). This fraudulent account is not only inaccurate but also detrimental to my creditworthiness. I am requesting its immediate and permanent removal for the following reasons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccuracy and Fraud : The account was previously confirmed as fraudulent and removed from my credit report. 
Re-reporting of this account constitutes inaccurate information under the FCRA. 
Violation of the Fair Credit Reporting Act ( FCRA ) : 605B ( 15 U.S.C. 1681c-2 ) : Blocking of information resulting from identity theft : ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
611 ( 15 U.S.C. 1681i ) : Procedure in case of disputed accuracy : ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation RequiredIf the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2024-07-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (FL)

I contacted support about a number of transactions I wanted to dispute due to being scammed and never receiving what I paid for. 

Upon contacting cash app, the advocate as they were called, said absolutely not and that it could not be reversed or canceled. I explained I knew that and wanted to file dispute. After explaining this the agent replied with zzzzzzz 's at the beginning and end of her next paragraph which is and was beyond rude. 

Cash app refused to follow the law and dispute charges based on dishonor and in process was rude and absolutely unhelpful. I have screenshots of this conversation. 

I know cashapp has a dispute process because I had disputed charges I didn't recognize and they denied them because they said I used my device. But their were 39 active devices on my account in which I removed when i realized this. When trying to dispute these charges the ability and options to dispute were also gone and not able to. 

To make things even worse cashapp after trying to dispute these charges closed my account for alleged rules violations.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (OH)

Equifax damaged my credit by lowering it XXXX points for switching to a black XXXX XXXX and cancelling the green one. This is a critical upgrade and the state that since one dropped off the see it as a credit default and lowered my score. According to FCRA guidelines I did nothing not credit worthy to deserve a huge damage to my score. No late payment-just a better card, same vendor. Equifax customer service stated when a credit card drops off, they deem it as a derogatory and comply as such. I still have XXXX, only a better product. Absolutely no reason to the damage XXXX points has caused. Interest rate has changed because of their actions.
Consumer complaint received 2024-04-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: PNC Bank N.A. (CA)

PNC Loan officer XXXX XXXX is marketing on XXXX group consisting of XXXX realtors this is unapproved social media run by a XXXX company. All banks prohibit that. I attach the print-screen.
Consumer complaint received 2024-05-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC (TX)

During XXXX, my husband XXXX XXXX, who is also on the loan ), was laid off along with everyone at the location he was in, due to all of the disruptions during XXXX and the fluctuations in market trends. Rocket Mortgage worked with us by allowing us to take a forbearance on our loan. We stayed updated with them every 6-8 weeks seeing if he was still unemployed. We provided proof of his unemployment. He also kept track of his job seeking and interviews throughout the process which he had to present to the Texas unemployment office. 
Throughout the process, Rocket kept sending notifications that they would work with us, etc. After my husband obtained employment again, we let them know and the forbearance would be ending. They notified us that during the forbearance they were getting assistance through the Cares Act, since our forbearance was due to the covid pandemic. 
As we were trying to get back on track, we were told that we would owe {$49000.00} immediately. We asked them to work with us. One of the employees referred us to the XXXX  Homeowner Assistance ( HAF ) program. We were told that if we were behind that assistance could be offered to help with our mortgage balance through their program along with the cares act if it had been due to the Covid-19 pandemic. We filled everything out through the XXXX Homeowner Assistance website, submitted our claim. Still being pushed and prodded by Rocket. They told us if we started making payment at the rate we had when we went into forbearance, it would not affect us getting approval from the Homeowner Assistance Program. Once we received word from the XXXX  Homeowner Assistance Program, they apologized and stated that they could not approve us for assistance. Stating when they called Rocket Mortgage, they were told we were not behind in our payments. Yet we still owed them over {$49000.00} and Rocket was adamant that we pay in full or refinance with interest. Which we reluctantly did. They refused to help us out when we asked that they let the program know that we were in fact behind. We also have paperwork from Rocket stating that we were behind on the Mortgage and the amount owed at the time this happened. 
If you need verification of our application in assistance, the website is XXXX  I'm happy to send screenshots or links to the account if you need it.
Consumer complaint received 2023-07-11
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: BMO Bank, N.A. (CA)

I am in California, we don't have BMO bank branches here but they launched a massive mail advertising campaign and I received a mail with an offer to open CD for 4.9 %. 
I did. 
I needed to withdraw earlier and called to the bank. 

here the saga started. 
XXXX they can't do that efficiently over the phone. it has been a week I still did not get my funds. they lie saying they mailed a check. 

XXXX. They charged principle and this is why I am submitting this request. They never disclosed the penalty they would charge if you terminate earlier. for XXXX USD CD they charged all incurred interest ( it is fine ) and XXXX USD on principle. 

in fact, they charged me XXXX USD in total and I am receiving less than I invested. They sent a check on XXXX USD while I invested XXXX I politely asked them to refund me a principle they charged but branches do not exist, and they hung up when you call.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-07-27
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: EQUIFAX, INC. (VA)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.
Consumer complaint received 2024-03-11
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: EdFinancial Services (AL)

On XX/XX/XXXX I made a full pay off amount to EdFinancial services in the amount of XXXX to which they only paid XXXX towards my loan while the rest if left in limbo. I called and emailed them in XXXX with no actual response regarding the rest of my payment or when it will be applied. I called them again in XXXX and was told nothing outside of " I can see the request. '' Now due to this I am late on XXXX current payment I shouldn't have since I paid in full along with a payment due at the end of this month. EdFinancial is practicing unethical business tactics and I fully intend on pressing the issue if it doesn't get resolved.
Consumer complaint received 2024-08-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (FL)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2023-11-13
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. (NJ)

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 need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX Balance : {$970.00} ; XXXX XXXX  XXXX Balance : {$19000.00}.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (NC)

I applied for a credit card with Comenity Bank / Caesar 's Rewards once. They requested my credit information 7 times in a short period of time, sometimes multiple times in one day. This was not authorized by me and I would like them to remove these inquiries.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Aldous & Associates, PLLC (AR)

This information provided by " Aldous and associates '' is not correct. I don't even know who these people are. It's absolutely ridiculous. I want this removed from my credit report. I believe they're claiming I signed up for a gym membership and didn't pay. The only gym membership I hold is for a local gym in XXXX, Arkansas.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I requested for them to indicate actually amounts I paid to XXXX  XXXX on the credit reports as they indicate for other companies in the report. 
I requested updated information but they Sent me a report before my payment due date in XX/XX/year> dated XX/XX/year> how did they come up with {$2.00} debt and I paid {$120.00} as stated on XXXX  XXXX statement sent to me for XXXX payment. 
They had refused to dispute with XXXX XXXX XXXX why the minimum amount they reported to credit bureas are not same minimum I get on my credit reports. 
Also the refused to dispute increase of interest on XXXX  XXXX 5 times in a year without XXXX  XXXX writing me any 45days advance notice according to Consumer financial protection burea. 
Also I had written their office of XXXX thrice attached my utility bill, ssn card, driver 's license all bold and colored print copy but they kept asking for it before the will respond to me over the phone with my selfie and when I answer their so called computer generated questions that never changed over month their agent will say it's incorrect meanwhile I answered from the credit reports they mailed to me that means XXXX Credit Bureau is reporting false information and I told them what they report to lenders are incorrect. 
They blocked me from uploading supporting evidences document on my disputes that will enable in their investigation and they put negative remark on my credit file while the have not completed investigation and the refused to remove it even with supporting documents they got in their office address
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of XXXX, Contents of Complaints : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX consumer credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a personal credit card account opened at XXXX XXXX Bank on XXXX, XXXX under the account number ( XXXX ), an auto loan account opened at Quality Acceptance on XX/XX/XXXX under the account number ( XXXX ), a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX, XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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 # ( XXXX ) 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 2024-05-16
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL (NY)

In XX/XX/2023, I lost my wallet with my ID and credit cards. Soon after I noticed a very large purchase on my Care Credit credit card. I contacted care credit immediately to file a dispute for this transaction. They have not helped resolve this matter and the purchase was made out of state I filed two police report in regards to this matter and need it handled immediately.
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: Capital Management Services, LP (WI)

I have had it with XXXX XXXX XXXX XXXX deceitful and unlawful activity. I have been dealing with their scamming for over 3 months now. They do nothing but scheme and lie more to cover up the original scheme and lie, in response to something. XXXX XXXX XXXX is not receiving another XXXX from me. I'm done. I am not paying them more money to take a loss on fake credits and {$1100.00} in payments. And ruining my credit for 7 years, based off a lie a payment was missed. And if XXXX is messing with my account XXXX XXXXXXXX to respond to the complaint on XXXX, they are going to have a major issue. I shouldn't have to pay for an atty to deal with them, when CFPB has enough information already to know XXXX can't turn a collectable debt into an uncollectable debt, just by lying so they can charge it off. If I have to get an atty myself, I will. I'm done Bank XXXX XXXX! Please CFPB, hold them accountable and force them to own up to what they did. This is being added because of CMS 's response to the complaint on XXXX XXXX XXXX XXXX XXXX XXXX had no right to give my account XXXX XXXXXXXX information to CMS to start with much less have CMS give that information to someone else. XXXX XXXX XXXX  was very capable of providing that information, without CMS requesting information on account XXXX XXXXXXXX themselves. Why is a third party debt collector so interested in getting information on an account they don't ownXXXX XXXX XXXX XXXX XXXX needs CMS to respond about an account that isn't delinquent that had nothing to do with the actual complaint, why? How is it legal for XXXX to just give anyone information about an account they have no reason to have information on? And the fact that XXXX filed a fake dispute on it, that I never did, because there is absolutely nothing to dispute. I am providing the actual dispute that is still sitting open. Along with proof XXXX has blocked me from accessing the statement, so I can not do the 100 word statement I have a right to be able to do. Why is CMS responding to a complaint on account XXXX XXXX they do not have, instead of actually responding to the complaint on account XXXX XXXX. CMS is also 100 % aware that XXXX XXXX  is not the " second account '' I was referring to. This is being added before XXXX XXXX XXXX comes up with more lies and fake documents.
Consumer complaint received 2024-04-22
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. (GA)

I filed a dispute on XX/XX/year> to Experian to investigate and remove inquiries that are a violation of the Fair Credit Reporting Act. Experian emailed me telling me that I did not request that, that they have not taken action on my request.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MCS CLAIMS SERVICES, INC (NJ)

I received a letter from MCS CLAIM SERVICE stating I owe {$250.00} to XXXX XXXX XXXX XXXX. This is incorrect because during the time this service was preformed my address was at XXXX XXXX XXXX, XXXX NJ XXXX. All ambulance service is supplied and paid for by XXXX XXXX for all permanent residents. 
Please correct this error and send me notification when completed.