davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Corp Solutions Inc. (GA)

Company/date- XXXX XXXX XXXX XXXX  XX/XX/XXXX Company/date- credit corp solutions in XX/XX/XXXX The accounts listed above have been paid off and is still reporting to my account with a balance.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am personally filing this complaint regarding late payment entries on my credit record. During my review, I identified these late payment notations. I sent correspondence about this issue more than 30 days ago, but have received no reply, nor has adequate validation been provided. I seek your help in addressing and resolving this situation.
Consumer complaint received 2024-07-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (LA)

Cash app did credit defines back to my account on XX/XX/year> premium of {$150.00} prior to that my account with XXXX XXXX  car hose services for XXXX  was closed on XXXX XXXX XXXX XXXX  XXXX  services for realized stated that any money that was credited to a close account would have been returned back to the merchant which would be cash out they said for any addition information regard to credit I need to seek out for cash out for attention prior to call and cash app cashed out tells me I told her different story they saying that I need to contact XXXX XXXX  regarding the dispute it's just a whole bunch of run around between XXXX XXXX  and cash out logically if the rank if I count is closed the money will be returned back to the merchant or the center which will be cash app so with that being said that I need maybe cash I need to do a little bit more fairly investigation and see about the fun because XXXX XXXX  saying that they got the cash I've got the funds cuz they don't have it because the account was closed since the XXXX of XXXX instead of cash out representative telling me to follow up with my bank and send them doing more thoroughly investigation they can see
Consumer complaint received 2024-07-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (FL)

I reached out to the Both XXXX and XXXX 3 times on a Collection that is showing up on my credit report for a Collection company ( I C SYSTEMS COLLECTIONS XXXX for the amount balance of {$680.00} ) that is for a XXXX XXXX XXXX XXXX XXXX that I never received. I did move from XXXX XXXX XXXX  back on XX/XX/XXXX and I paid off all my Bills in Full before I moved!. I requested that they verify that it belongs to me with proof showing the bill with my name, addresses and date. I also requested that they show me proof that the XXXX company did send me the bill to my new address. They have failed to show me any proof what so ever, they only keep saying it's verified. The first Letter I sent them was on XX/XX/XXXX the XXXX letter was on XX/XX/XXXX and the XXXX XXXX was on XX/XX/XXXX.
Consumer complaint received 2024-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (NY)

on XXXX XXXX XXXX I filed a dispute with cash app and XXXX XXXX, I had funds debited from my XXXX XXXX  via cash app and sent to another cash app which was unauthorized, I filed a dispute claim with XXXX  which XXXX denied the claim and told me to file the claim with cash app because they have no recourse on funds sent via cash app even if it was done without my authorization, I filed the claim with cash app and was told that my dispute was denied because the transactions happened before my phone was stolen, I need the correct documentation cash app and XXXX  both used to investigate my claim, I also need my funds which were taken from me without my authorization transaction amounts {$190.00} {$200.00} {$290.00} {$300.00}
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (FL)

Greetings, i apply for a loan on XXXX with pay later with affirm for a video card that later was returned and never fully refunded by the merchant. 

Purchase price {$2200.00} Interest ( 18.19 % APR ) Loan ID XXXX  6-Month Installment Loan On XXXX  the loan Was paid fully even if there was a dispute bc of a refund that wasn't fully refunded. I dispute the charge as i wasn't fully refunded by XXXX and i ask Affirm to investigate. They told me after 2 weeks they couldn't do anything so i made the final payment on XX/XX/XXXX. 

On XXXX i was refunded somehow so i called and made a second payment bc affirm claimed that the payment of XX/XX/XXXX was refunded back so to avoid late payment i made another payment of XXXX for the second time on XXXX XXXXThe loan was paid off for the second time. 

On XXXX i was notified that my loan was charge off bc they never receive the payment of XXXX in XXXX i paid twice. Somehow affirm refunded both payment and no explanation was giving on why those payment were refunded twice. 

I paid again for the XXXX time in XXXX but they already reported as 90 day late. 

I try to reason with affirm telling them that i made those payment and that affirm refunded me for no reason and never sending any notification on those refunds. 

I made those payment in time on XXXX, XXXX and XXXX so the report of 90 days late payment are false and i asking for the late payment to be removed from my credit since the mistake was made by affirm which refunded me the payment twice without notify me. 

I'm adding email from affirm confirming the payment of the loan and bank statements were the loan was paid.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (AL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to 1,000 dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-07-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION (FL)

Back in XX/XX/XXXXXXXX  2019 I was a victim of XXXX XXXX, there were several bank accounts opened, credit cards and loans applied for without my consent. I was unaware of this until 2021 when I went to apply for a Navy Federal Bank Account and was instructed to contact early warning services. The Bank Account that was fraudulently opened was XXXX, XXXX Navy federal also XXXX I have personally disputed this account with regions and was told that the account was created online and there was nothing further that they could do as the account was closed with a fraud alert attached. Since then I have been trying to have this account removed as I did not open the account and XXXX  have no valid proof that I opened the account online. i have attached the original XXXX XXXX submission confirmation along with a new XXXX XXXX  submission
Consumer complaint received 2024-07-06
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (CA)

I have an account with Comenity Bank ( XXXX XXXX credit card in XXXX ). I bought a laptop with a promotional price of {$3000.00}. The payments were set for 12-month autopayments of {$250.00}. I just set the payment plan and forgot about it. After that, I bought another laptop and a device but I immediately paid them off. When it comes to the last {$250.00} payment I get a charge of {$730.00} extra accrued interest. It turned out that my promotional plan ended a month prior. I didn't get any notification about the ending of the promo. I contacted them via inside mail and they ( looked like a robot ) advised me to go to the statements and see that the plan expired, also they said they could not reach me through the phone call as it's not possible in their system. Honestly, I never read statements before assuming that I was good cos I had the autopayments plan. I tried to explain that it was not that I didn't want to pay it was just confusion with the autopayments. As a result, I got a robot-like response saying the same and not solving the issue. In my frustrated state of mind, I decided to pay it off and let them know that I would file a complaint against them and possibly sue them. I strongly believe that this promo and payment plan are intended to confuse a customer in order to charge extra money. I want justice in getting back the overpaid amount of {$730.00} and a human attitude, not a robot-like one.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (NC)

I paid this account off in XX/XX/year>. I closed this account right after and they continue to charge me interest fees. In XXXX I paid an interest fee {$58.00} over the phone as I couldn't do otherwise as account was closed. They told me this interest fee was from the previous month before and my account should have been completed. 
Each month after XXXX I was getting more interest fees {$76.00} and I called them and they told me it accrued during the time that I already inquired about in XXXX. They could not give me the correct dates of this interest as their billing system wasn't equipped for that and would not work with me once I stressed this didn't make sense. I told them that I was going to dispute this charge and they did not express any concern so the call ended. 
I know the call was recorded and would like this to be submitted as evidence in this dispute if need be as they stress the call is recorded. 
They continue to keep charging me interest fees and my credit score is being effected. I disputed this will XXXX where Best Buy credit card declined which brings me to this report. 
I feel totally harrassed by this credit card company and have from the beginning. Thats why I paid it off. I dont have specific dates but can honestly assure you I've called multiple times. Since XX/XX/year>. Last time I called them was in XXXX or XXXX and then took measures through XXXX. 

I will never use this bank again and next will file a federal trade commission report.
Consumer complaint received 2024-07-11
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. (VA)

I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. 
I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ) i have also provided an attachment with my id.
Consumer complaint received 2024-08-16
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

XXXX XXXX XXXXXXXX Balance : {$19000.00} XXXX XXXX XXXX Balance : {$16000.00}
Consumer complaint received 2024-05-22
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. (OK)

I appreciate your time to REMOVED some of the items in my file that resulted from an alleged identity theft but I have remaining items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance : EXPERIAN : XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX Balance : {$3800.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OK XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX. Please note that you have 4 business days to REMOVE the reporting of any items in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification. I acknowledge your immediate attention to this matter and response within 4 business days.
Consumer complaint received 2024-07-06
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (MO)

I spoke with someone at Vanilla gift card services. She advised that someone else is trying to claim the card we have ( visa ). She asked that I send copies of my photo id, receipt for the purchased card,, as well as picture of the actual gift card. I did so only to find my email undeliverable. I've spent an hour on the phone without being able to speak to a customer service representative. The case number for the dispute is XXXX
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (AL)

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 informationisinaccurate.
Consumer complaint received 2024-07-14
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: Experian Information Solutions Inc. (TX)

I am writing in reference to my recent dispute regarding the inaccuracies in my credit report. Despite my previous request, I have not been provided with the specific name, address, and contact information of the data furnisher involved in the disputed item.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to this information to ensure that I can address and resolve the inaccuracies in my credit report effectively. It is insufficient and non-compliant to merely direct me to contact the lender without providing the exact details of the data furnisher you consulted during your investigation.

Please provide the following information promptly : 1. The name, address, and phone number of the data furnisher ( s ) you contacted to verify the disputed information.

2. Detailed documentation and evidence of the investigation process, including the specific steps taken to verify the accuracy of the disputed item.

It is imperative that Experian complies with this request to facilitate a transparent and fair resolution of the dispute. Failure to provide this information may result in further action, including but not limited to filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal advice under the provisions of the FCRA.
Consumer complaint received 2024-07-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital one has been withholding my funds without allowing any access to them for over a month, Ive reached out several times asking them to close my accounts and mail me my funds to no avail. This has been a nightmare dealing with Capital one because I need my funds for my livelihood and daily spending. Theyre holding {$16000.00} of my money and Id like it reimbursed.
Consumer complaint received 2024-08-16
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. (PA)

I was shocked this morning to find inaccurate accounts on my credit report, and I have no clue why theyre there. I checked my credit report like I always do, but this time, discrepancies appeared out of nowhere. I even refreshed my browser, thinking it might be a glitch, but the inaccurate accounts were still there. Because of this, Im requesting that the documents Ive sent be reviewed thoroughly so I can finally stop worrying about this.
Consumer complaint received 2024-07-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc ()

Hello, Im facing issues with the recent purchase I made. The access link to the course provided by the seller is showing an error and doesnt work. Ive tried reaching out multiple times, but I havent received any response.

There was no specification regarding the access duration for the content, which is typically supposed to be lifetime. I filed a complaint with PayPal, but the seller hasnt taken any action. After a few days, my account was blocked, and my complaint was denied by PayPal. 
I dont understand whats happening. I havent received access to the course I purchased, and the seller hasnt been willing to resolve my issue. I request that they reconsider their decision and find a reasonable solution for my case.

Im counting on the support of the team, and I await a response.

Thank you.
Consumer complaint received 2024-07-12
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Merchants and Medical Credit Corporation, Inc. (VA)

In accordance with the Fair Credit Reporting act, this creditor had violated my rights under 15 U.S.Code 1681 section 602 states I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666 B a creditor may not treat a payment on credit card account under an open consumer credit plan as late for any purpose.
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

As a victim of debt bondage, a severe form of XXXX XXXX  I was coerced into accumulating debts, resulting in multiple derogatory marks on my credit report. I am collaborating with a representative from the XXXX XXXX, an organization dedicated to helping survivors of XXXX XXXX. Together, we are invoking Section 605C of the Fair Credit Reporting Act ( FCRA ), which obligates credit reporting agencies to exclude adverse information resulting from trafficking once an official claim has been submitted.