davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-15
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (OH)

After submitting a formal complaint to HUD and the Ohio Civil Rights Commission about discriminatory practices my minor son and I were subjected to on the premises, as well as submitting formal complaints to the FBI IC3 internet crimes division regarding internet crimes that were committed against my minor son and I on the premises, the landlord initiated an eviction in retaliation in XX/XX/XXXX. This eviction was formally dismissed in XXXX XXXX XXXX XXXX in XX/XX/XXXX, both the first cause-eviction and second cause of action-monetary charges upon an agreement that I move. After I moved and turned over my keys, I was issued a bill for thousands of dollars for breaking my lease, after the case for formally dismissed in the court of law. There is a formal investigation open with the OCRC & HUD, as well as FBI IC3 ( internet crimes division ) and I am also on the Ohio victim registry regarding crimes that were committed against me while living there. XXXX XXXX XXXX still sent this bill to a collections department and refused to refund my deposit even though I left the premises in the same condition as it was when I initially rented it. 
I submitted a formal dispute with the collections company and still have not received any correspondence from them.
Consumer complaint received 2024-04-16
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. (NY)

In accordance with the fair reporting act the following accounts has violated my rights : XXXX. Validate Account XXXX XXXX XXXX  account Number : XXXX XXXX. Validate Account XXXX Account Number : XXXX Please provide information regarding this account, validation of the debt, details regarding the total amount owed, the date of the last activity, original credit if applicable, and any relevant information associated with the debt.
Consumer complaint received 2023-01-02
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CNG FINANCIAL CORPORATION (OK)

My father in law was contacted by a " XXXX XXXX '' from XXXX XXXX XXXX, out of XXXX XXXX, TX. XXXX stated they were looking for me, for theft of goods and services. My father in law gave me the info to call. I called within 5 minutes, and spoke to XXXX, he told me I owed XXXX for a payday loan from Check XXXX XXXX  Go that was taken out XX/XX/XXXX. ( The loan was only {$500.00} at most, per state of Oklahoma laws ) He then asked me what happen and why did I stop paying- I didn't answer his question and advised him the debt was too old, and past the statue of limitations. He then said I made a payment on XX/XX/XXXX ( I did not make a payment ). So I asked for proof. He told me he couldn't do that. I stated he had to give me proof of debt, he again refused because they were going to be filing to sue me the next day. He stated he was the attorney representing the case, I asked him as the attorney he should be able to send proof of debt, he again stated he can't. So I told him okay, than this isn't legal debt collection practice which he argued it was, refused to send proof, and told me good luck in court- he then hung up.
Consumer complaint received 2024-02-03
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. (FL)

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 2021-04-25
Product: Credit card or prepaid 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: Block, Inc. (SC)

On XX/XX/XXXX my card was charged XXXX at XXXX XXXX of XXXX SC. So I contacted them and was told that my money should be released in a couple days depending on my bank. On XX/XX/XXXX I made a dispute to cash app about the charge. They sent me an email stating that it was just a pre authorization and it will be released in 14 days unless I provide information that could speed up the process. On XX/XX/XXXX I contact XXXX XXXX asking for that information. The manager emailed me a bill statement for the charge in question with a zero balance. I emailed the information to cash app and they are still holding my money, and told me it would be an additional six days. Instead of the money being released in 14 days XXXX XX/XX/XXXX XXXX they're telling me that I have to wait until XXXX XX/XX/XXXX )
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

This issue is regarding my XXXX XXXX Credit Card. I confirmed before receiving the card that my statement closing date is the XXXX of every month. After activating the card in XXXX, I received my first statement on XX/XX/XXXX. This statement reflected the payment I made on time with my available credit nearly full. The statement I received also indicates the billing cycle length is 31 days, which further validates that my next statement was supposed to be generated on or near XX/XX/XXXX. 

I have made all of my payments on time and kept my utilization percentage at 10 % or less for credit reporting purposes nearing the statement closing date. Today, on XX/XX/XXXX, my credit score dropped XXXX points because XXXX XXXX reported a balance of more than {$400.00} to the credit bureaus, several weeks before the next scheduled statement/reporting date. 

I have only been using this card for a little over a month and Ive already had a problem with an unauthorized charge on the account, which I reported a few days ago. After adding up my previous statement balance and the 2 most recent transactions I made after XXXX statement closed, it seems XXXX XXXX has added these up and reported them to the bureaus outside of my scheduled reporting date. 

This action has absolutely wrecked my credit score and needs to be corrected by the business immediately.
Consumer complaint received 2021-07-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (OH)

Cash app has a promotion for a {$15.00} bonus when you invite friends and they send a payment. Twice now two of my friends have downloaded the cash app with my code and done what cash up said to do. Twice cash app has screwed me out of my bonus for some reason. They always have a reason to not give me my bonus!
Consumer complaint received 2024-02-03
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. (FL)

consumer applied for a personal loan with XXXX XXXX XXXX XXXX as a federally protected consumer I have notified the credit agencies XXXX, Equifax and XXXX I opt out of the reporting of my payment history -personal information excluded from the consumer report per congress per 15 USC 6802 ( b ) ( 1 ) ( B ). 15 USC 1681a ( 2 ) ( A ) ( i ) ACCORDING TO CONGRESS TRANSACTIONS AND EXPERIENCES ( PAYMENT HISTORY AND UTILIZATION ) BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT ARE EXCLUDED FROM THE CREDIT REPORT under 15 USC 6802 XXXX IS AN FINANCIAL INSTITUTION XXXX IS THE UNAFFILIATED XXXX PARTY THE PROPER DISCLOSURES REQUIRED BY FEDERAL LAW WERE NOT GIVEN BEFORE THE DISCLOSURE EVENT NOR WAS I THE CONSUMER GIVEN THE OPPORTUNITY TO EXERCISE THE NON DISCLOSURE OPTION15 USC 6802 ( b ) ( 1 ) ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX HAS FAILED IN GIVING THE CONSUMER THE OPPORTUNITY TO DIRECT THAT SUCH INFORMATION NOT BE DISCLOSED TO SUCH THIRD PARTY OR EXPLANATION OF EXERCISING THE NON-DISCLOSURE OPTION. PLEASE REMOVE PENFEDS REPORTING ITEM ON THE CREDIT REPORT I DO NOT CONSENT AND WILL NOT CONSENT TO SUCH REPORTING OF MY PERSONAL INFORMATION
Consumer complaint received 2024-04-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Management Holdings, LLC (WI)

I received a hit on my credit regarding 2 medical bills, one for {$2300.00} and the other for {$2400.00}. I contacted the company to let them know that the bill was paid per my insurance and provided the paid documentation from my health insurance app and they still refuse to remove the negative information. Due to this, it is causing my credit to be negatively impacted for no reason.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX  After reviewing my credit profile. The payment history is inconsistent amongst all 3 bureaus from XX/XX/XXXX until XX/XX/XXXX. Experian is verifying on time payment for some months that XXXX XXXX XXXX is showing late. How was this account verified?

How can all 3 bureaus show different payment history for 1 account? This is a violation of FCRA laws and my consumer rights.\ Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete.

This hurting my credit profile and is a violation of my consumer rights. Please delete this account immediately.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (NC)

I refinanced my vehicle from Bridgecrest in XX/XX/XXXX. I received a notice that a late payment would be reported to the credit bureaus if payment was not made by XX/XX/XXXX. My payment was received on XX/XX/XXXX for the full payoff amount. Bridgecrest later reported my final Payment as late causing my credit score To drop significantly. I disputed the inaccurate information immediately following the negative report.
Consumer complaint received 2021-04-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc. (AZ)

My Cash App account was closed because I allegedly violated their Terms of Service. When I was notified of this, I read Cash Apps Terms of Service and found that I had not done anything to warrant my account being closed for violation of their TOS. I contacted Cash App to resolve this matter, and Cash App refuses to explain to me what I did and they refuse to reopen my account. I have about {$7000.00} in my Cash App account as I use Cash App as my bank account and there is no way to spend or get my money out of my Cash App, as I do not have a bank account to Cash Out to. I can not buy food and I can not get paid, as my Cash Card and my routing and account numbers associated with my Cash App have been deactivated. I am certain that I did not violate any of Cash Apps Terms of Service and that the closure of my account was made in error. Cash App has failed to remediate my issue in a timely and helpful manner.
Consumer complaint received 2024-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

I noticed a transaction on my account that I did not make in the amount of {$380.00} from a XXXX XXXX in XXXX, Oklahoma. On XX/XX/2023. I live in XXXX, NC. I teported to my bank USAA Savings bank and the determine it was not fraud. I had them re-investigate and came back again and stated they determined it was not fraud.
Consumer complaint received 2024-02-03
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: EQUIFAX, INC. (NY)

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 2024-02-03
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: EQUIFAX, INC. (GA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts
Consumer complaint received 2021-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Block, Inc. (TX)

on XX/XX/2021 ( one ) purchased was made at XXXX XXXX XXXX # XXXX XXXX, Texas for {$56.00}, the CASH app card has two transactions for the same amount posted to account, ( 2nd ) was never made. XXXX XXXX is claiming only ( one ) payment/transaction. 

CASH app will not respond to email, no contact information available for a live person. 

My money was taken from card, and no refund has been issued back to card. 

XXXX XXXX XXXX and CASH app are the parties involved.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (MO)

This account was charged off on the following date [ XX/XX/2023 ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account :
Consumer complaint received 2023-05-03
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Home Loan Center, Inc. (WA)

We have been in our home for XXXX years. This is in response to your zombie mortgages guidance - and shows why they may have waited and claimed to have unknown parties assign interest to more unknown parties. In XXXX my spouse got a loan through the lending Tree website- he had XXXX lenders to choose from- the underwriting conditions, and what he expected, was the lender was to pay off first mortgage : XXXX balance of {$210000.00}. Origination documents states that the payoff must appear on the HUD-1 settlement statement in order to fund the loan. 

The parties did not pay off the first mortgage- and we could not afford both payments as my spouse was self employed and I was unemployed- so we canceled the loan per the instructions in the origination. We never heard back from Lending Tree about the cancelation. Then XXXX  XXXX months later, on XX/XX/XXXX filed a deed of trust with a XXXX XXXX Loan Number. We did not make any payments on the loan nor did the parties demand payback of the funds. We assumed the loan was cancelled. 

On XXXX XXXX XXXX at the Request of XXXX XXXX XXXX XXXX claims to sell their beneficial rights to XXXX XXXX XXXX XXXX of XXXX Fl as beneficiary and nominee to Lendingtree Loans of XXXX, IL. 

Now an unknown party to the transaction - adds more unknown servicing entities with fictitious addresses to the mix - files an assignment CLAIMING XXXX XXXX XXXX XXXX XXXX XXXX TRANSFERRED TO XXXX XXXX XXXX XXXX XXXX SC ALL ASSIGNORS RIGHTS TITLE AND INTEREST ( which would be none - as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX owned title interest - debt collectors for????? ) - signed - XXXX XXXX XXXX, AS SUCCESSOR BY MERGER TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AS ITS ATTORNEY IN FACT ( WHOSE ATTORNEY IN FACT - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with no power to act as trustee - ( note XXXX was named servcier after cancelation in XXXX - and XXXX XXXX, XXXX who had no interest in Lending Tree 's loan requested an assignment via XXXX  in XXXX - XXXX years after our cancelation and not XXXX payment made.
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

Greetings! On XX/XX/XXXX, I submitted a letter requesting the removal of certain unknown information. And last month I found that the inquiries on my XXXX Credit Report were removed. Today though along with my Experian Credit Report, I found inquiries reporting in my credit file, which urgently needed of elimination or blocking of such information within XXXX business days. Here are the inquiries the NEEDED REMOVAL : EXPERIAN : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2021-03-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (WV)

I had a cash app acct w squareup.com under user name XXXX XXXX link to email XXXX and phone number XXXX. My account was compromised from my stolen phone and a XXXX XXXX made 2 fraudulent and authorize transactions on my cash app acct in the amount of XXXX $ and XXXX $ on XXXX. With cash app fees XXXX $ took from my XXXX XXXX account ending w now cancel debit card XXXX # Cash app Customer support agent XXXX XXXX. Did not understand or did not care. Agent XXXX since re open my case of fraud w cash app. I'm waiting for an answer from them.
Consumer complaint received 2024-02-03
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: EQUIFAX, INC. (GA)

This agency violates 15 USC 1681i. 

Notice of results of reinvestigation ( XXXX ) -In general, A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than XXXX business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 

They were to notify me of this in writing 5 days prior, I WAS NOT NOTIFIED. AS THE ORIGINAL CREDITOR, ONLY I CAN VALIDATE THIS DEBT. I DO NOT VALIDATE THIS DEBT, UNDER NO CIRCUMSTANCES. Therefore, the following accounts must be DELETED from my report immediately. Furthermore, it does not matter if the account is listed as CLOSED, CHARGED OFF, COLLECTIONS, LATE PAYMENT, ( ANY NEGATIVE OR ADVERSE ITEM ( XXXX ) OR REMARKS ), ETC
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

FCRA 605B, I believe, mandates the elimination of any erroneous accounts from my credit report. Could you verify the documents? Some of the accounts listed are incorrect in terms of reporting, with inaccurate amounts and dates being reported.
Consumer complaint received 2023-09-25
Product: Credit 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: Upgrade, Inc. (TX)

My upgrade card sent to XXXX {$3800.00} on XX/XX/22 and I never received this card. Upgrade will not dispute the charge since it's past 60 days. I thought the payments were going towards my other loans with Upgrade, I have no notification of this card being used until I saw flags for transactions last night. I did file with Upgrade that i never received this card.
Consumer complaint received 2024-04-16
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. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX