davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (CA)

I have noticed several accounts on my credit report that I do not recognize, which appear to be the result of identity theft. I did not authorize these accounts. I previously reported this issue, but it remains unresolved. 

I am requesting that these unauthorized accounts be removed from my credit report immediately. Their presence is causing significant stress and does not reflect my actual credit history or financial responsibilities. 

If this matter is not resolved promptly, I will consider taking legal action to protect my rights. These incorrect items are hindering my ability to achieve important financial goals, such as purchasing a home and providing for my family. 

I hope we can resolve this issue quickly. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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 2024-09-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc. (CA)

Cash app sent me an email to verify my i.d and at the time I did not have my i.d present so I hit the back button thinking I can finish it later and at that point they told me that I failed to comply and can no longer order a new debit card but I can continue using the app for transactions.
Consumer complaint received 2024-05-23
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. (KY)

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, anxiety, emotional distress, and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. 
I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2024-05-23
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. (MD)

Under the Fair Credit Reporting Act, the accounts listed below have violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX Account Number XXXX, and XXXX XXXX Account Number XXXX have violated my rights. 

Upon reviewing my Equifax, report on XX/XX/year>, I was deeply troubled to find that some information is incomplete and inaccurate. This has had a direct and negative impact on my financial standing, a situation that the Fair Credit Reporting Act is designed to prevent, as stated in 15 USC 1681 ( e ) ( b ).

Additionally, according to 15 USC 1681, if information is found to be inaccurate or incomplete after any reinvestigation, the consumer reporting agency must promptly delete or modify that information based on the results of the reinvestigation and notify the furnisher of the information.

Moreover, according to 15 USC 1681s-2, no information relating to a consumer should be furnished to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-22
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: Experian Information Solutions Inc. (TX)

Consumer : XXXX XXXX XXXX XXXX XXXX known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX want XXXX inquiries to be deleted from my credit report. I did not authorize these companies to run my credit report that is fraudulent. I do not have lines of credit with any of these companies and never applied. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My accounts was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-07-17
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: Self Financial Inc. (OH)

Despite my multiple attempts to dispute these items and provide supporting documentation, such as evidence and police reports, the issues have not been resolved. Additionally, I am being sued for debts I no longer owe. Debt collectors are selling my debt, leading to multiple lawsuits against me.

I request that these items be investigated and corrected as soon as possible. Please provide me with a written statement detailing the results of your investigation and any changes that are made to my credit report. Below is an attached copy of my report for your reference. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-09-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (TN)

On XX/XX/XXXX I lost my credentials and called Marcus Goldman Sachs Bank USA by a three-way phone call XXXX XXXX XXXX . I explained to Marcus Goldman Sachs what my situation was and had my account locked. I verified my account balance at that time which was over {$22000.00}. In XX/XX/XXXX I realize that XXXX XXXX XXXX gained access to several of my accounts and fraudulently withdrew approximately {$40000.00}. I notified the banks involved, and explain the situation to them. After speaking with them Marcus Goldman Sachs Bank USA accepted a power of attorney at the end of XX/XX/XXXX and terminated the power of attorney the first week of XXXX the XXXX. XXXX XXXX XXXX transferred out {$5000.00} on XX/XX/XXXX, {$10000.00} on XX/XX/XXXX, and {$7100.00} on XX/XX/XXXX. After that date Goldman Sachs Bank USA reinstated the power of attorney that they terminated the first week of XXXX. Also there was a personally {$56.00} credit that they mailed back to XXXX XXXX after I explained the situation and they said that they would not. XXXX XXXX XXXX used a terminated POA date of XX/XX/XXXX. I submitted an affidavit stating that XXXX XXXX XXXX knew that power of attorney was terminated at that time, Goldman Sachs used a terminated power of attorney at two fraudulent notary publics stamps from where she worked. Enclosed you'll see all the documentation that I sent to Marcus Goldman Sachs Bank USA
Consumer complaint received 2024-05-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (MD)

See attached document for details. 
XX/XX/year> Unauthorized transactions were made from my account in the amount of {$7000.00}. 
XX/XX/year> I reported these transactions as unauthorized and filed a police report, which was provided to Navy Fedeal Credit Union. 
XX/XX/year> NFCU denied my initial dispute ( even after recovering some of the funds ) ; they didn't even contact law enforcement on details. I requested information regarding on how they came to denial conclusion. NFCU refused to provide that information. 
XX/XX/year> I submitted an appeal along with additional information ( police report ) ; NFCU still did not contact Detective in charge of the case. 
XX/XX/year> I learned the appeal was denied and NFCU still did not contact police detective as his request. NFCU notes stated appeal was denied " due to conflicting information '' and I was an " active participant in the fraudulent activity '' ; which is not true. 
XXXX - XXXX I never received the letter dated XXXX XX/XX/XXXX ; it was finally provided a couple weeks later I after called them numerous times ; they stated it was lost in the mail. Although I received the initial denial in XXXX. 

I repeatedly requested NFCU to provide details surrounding the denied appeal of the unauthorized transactions from my account, which they refused and won't credits my accounts. They have stoned walled me and I am being forced to seek legal counsel. XXXX have been forthcoming with all documentations without anyone having to request anything, NFCU repeatedly refuses to provide results/details of their findings; refused to credit my account; refused to work with law enforcement ; and etc. This event has devasted my life and has exhausted me. I am seeking your help
Consumer complaint received 2024-07-17
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: BTH Management (VA)

On XX/XX/year>, XXXX XXXX  sold debt without permission, to Plaza ServicesXXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX in the amount of {$2500.00}. I was contacted by a male from number XXXX XXXX XXXX claiming that XXXX  XXXX sent validation of debt when I have received no mail reguarding debt. He further went into the conversation in an aggressive manner threatening to take me to court in XXXX  days if I did not pay. I asked numerous times for a validation of debt to be sent out and I was denied. My consumer rights are being violated ( Fair Debt Collection Practices Act ( FDCPA ), which is codified in Title 15, Section 1692 of the United States Code ( U.S.C. ). Also Section 1692d of the FDCPA prohibits debt collectors from engaging in any conduct that harasses, oppresses, or abuses any person in connection with the collection of a debt. This includes : Using obscene or profane language. 
Making threats of violence or harm. 
Using derogatory or insulting remarks. 
Using repetitive or continuous phone calls intended to annoy, abuse, or harass.
Consumer complaint received 2023-07-26
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Unexpected or other fees — 
Company: ACIMA CREDIT, LLC (FL)

XX/XX/XXXX was when I made the first payment, that is, the financing. I did it with my cousin 's wife 's card because mine had been lost and had not yet arrived ( it was with my cousin 's knowledge ). Then, the weekly payments were made correctly, being these : XX/XX/XXXX, XXXX and XXXX, until reaching the month of XX/XX/XXXX. The payments from XX/XX/XXXX to XX/XX/XXXX, were invalid. 

On the XXXX, XXXX and XXXX of XXXX, the payments were made from my cousin 's wife 's account without me having any knowledge of it. I realized, when I didn't see the payments registered in my account. I immediately called and found out that they were using the wrong account. They were supposed to give it back but never did. On XX/XX/XXXX, my account was fully paid off. 

It happens that my cousin 's wife called her bank 5 days later to get her money back, without letting me know because we had agreed that I would make those payments, but Acima didn't let me know either.. 

I called realizing that my account was still open with an exaggerated sum approximately around {$1300.00} plus dollars. The only thing they told me was that I had to pay it because the XXXX-month term had already expired. 

My last call with them was this Wednesday the XXXX of XXXX, around XXXX. in the morning, which was the same answer. They have not wanted to make a fair payment agreement with me.
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

Good evening to whom it may concern, As of today, I have called Equifax, XXXX and XXXX several times and have sent them letters disputing violations reporting on my credit profile. I have attached the receipt when I mailed my letters and the actual letters and copy of credit report from XXXX and today. The accounts are the XXXX XXXX and XXXX reporting several inaccuracies across all three credit agencies. This is a FCRA violation, the accounts should be removed and deleted as soon as possible. The agencies have also not given me details on how these accounts was supposedly verified because they did not do an actual investigation by law as they should. On one occasion a representative form Equifax stated that my identification I sent to them was wrong. I feel as if they have tried every effort to NOT solve the issue with this account. Had they done so they would have come across the discrepancies as I have. Also, the reporting of inaccurate information is affecting my credit worthiness and my ability to secure funding for personal and business endeavors.
Consumer complaint received 2024-07-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (CA)

The instructions were clear on the bank for XXXX payments of {$3500.00} or less. 

I transferred some funds that I needed for work. I was unable to complete the work because Citi would not release my funds being deposited into their account from XXXX. 

The money clearly showed as released from the other bank. This holding of funds was against all documentation advertised. I lost the job that was not completed while the bank sits on my {$3000.00} earning interest with my funds in limbo. 

This is a predatory tactic on the bank not honoring policies in place where they can use people 's money as " risk '' or some nonsense. They tie up peoples monies for extended time frames and earn millions in money market funds daily off of small people needing money for real things in life. 

The cost in damages for my funds not being released instantly as stated was equivalent to the amount being put on hold. I lost that work and now my business reputation has also incurred intangible damages in goodwill as now my yelp rating is lowered thus impacting future business opportunities/business value. 

I needed that money to purchase tile at Home Depot and now the client is upset, I couldn't lay the tile, can't pay rent and got a XXXX Star on XXXX The job paid double of what the cost of goods was. The XXXX star XXXX review because these funds weren't released as advertised likely cost my business XXXX 's of thousands of dollars.
Consumer complaint received 2024-07-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp. (IL)

Subject : Request for Immediate Removal of Collection Entry Dear Absolute Resolutions Investments , LLC, I am writing to follow up on my previous correspondence and to request the immediate removal of the collection entry from my consumer credit report. While I appreciate your attention to my complaint, there are several critical issues that remain unresolved. 

1. Debt Validation : Although you mentioned that validation was provided through your attorney at XXXX XXXX XXXX XXXX, I have not received any such documentation. Please provide proof that these documents were sent to me, including a copy of the cover letter, the documents, and proof of mailing. 

2. Required Disclosures : You stated that the required credit reporting disclosures were sent on XXXX XXXX, 2024. I have not received these disclosures. Kindly provide a copy of the documents and proof of mailing to verify compliance. 

3. Detailed Debt Information : The detailed validation of the debt, as initially requested, is still missing. I request the following : The sale agreement between XXXX XXXX  XXXX. and XXXX. 
Documentation confirming the calculation of the account balance. 

4. Compliance with Regulations : Your response indicates that the account was first reported on XXXX XXXX, 2024. As I have not received the required disclosures, this appears to be non-compliant with 12 CFR 1006.34 and other applicable regulations. Please provide evidence of compliance with these requirements. 

5. Proof of Notification : I request a copy of the certified mail receipt or any other proof indicating that I was properly notified of this debt, including my name and signature if applicable. 

Request for Removal : Given XXXX failure to provide proper debt validation and required disclosures, I kindly request that XXXX remove the collection entry from my consumer report immediately. The reporting of this account without the necessary documentation and compliance with 12 CFR 1006.34 and 15 USC 1681s-2 ( a ) is unlawful. 

I believe in resolving this matter amicably and trust that you will address these issues promptly. If the collection entry is not removed within XXXX days from the date of this letter, I will be compelled to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and state authorities. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-05
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: WELLS FARGO & COMPANY (CA)

Upon checking my credit report I noticed multiple unauthorized inquiries on my credit report I did not authorize due to the fact my wallet was stolen and ID along with my SSN card was stolen. I called XXXXXXXX XXXX XXXX XXXX today about XXXX as instructed to by my local police department crime report # XXXX and requested that the identity theft unauthorized inquiries be removed immediately and XXXX only removed 2 of them so now I have to dispute unauthorized inquiries with the actual companies are such as follows : XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Remove all unauthorized inquiries thank you for your understanding. 

Attached is a copy of my policy report for the identity theft report.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc. (TX)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.