davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing this report due to a critical concern regarding my XXXX score. This is the fourth time I am submitting a complaint in regard to the same situation that has happened multiple times over the past year ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). On XX/XX/XXXX, my credit score through Transunion was XXXX. The score factors indicated that I have no missed payments, I have limited the use of my available revolving credit, I have an established credit history, and I have shown recent use of credit cards and/or bank issued open-ended accounts ( see attachment ). On XX/XX/XXXX, my credit score indicated a decrease to XXXX. No factors were given for the drop. The only activity indicated for the period was " The total balance on all you XXXX account ( XXXX ) has decreased by {$41.00}. '' My credit report has no negative accounts or information. How can my score decrease when there was no negative activity ( reported or otherwise ) whatsoever within 8 days? I have no inactive accounts reported to any of the credit bureaus. I also have only XXXX credit cards reported and a mortgage, none of which are in delinquency or late. I have contacted the credit bureaus multiple times in the past to inquire why my credit score has gone down without any reason. Not a single customer service representative at any of the credit bureaus I contacted have provided an explanation. Over a 25-year span of building my immaculate credit, this significant drop is catastrophic and is a detriment to my personal and business financial burden ( i.e., line of credit, merchant account, property rentals, mortgage, insurance, credit cards, auto loans, equipment rental, terms of leases, business investments, and bank loans ). Credit standing is my blueprint and having a lower score can affect my standing with any reputable financial institution.
Consumer complaint received 2016-11-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (FL)

I am paying off my loan by making largish payments frequently to the company who bought my mortgage. XXXX had it before and now Nationstar Mortgage holds it. The problem is that they take payments for the future out of the principal payment every time. I have called them every time and talked to customer service agents, who are uniformly nice on the phone. However, the problem just does n't go away. I know that they are taking out interest fees for each payment that they have not earned yet. They fix it each time, so I know it is n't violating their own policies to pay off a loan early ( my loan does n't and never did have an early payment penalty ). I do n't know why it should be so easy for them to continue to do this to people. I think they should not be allowed to even be in this business. I have a PhD and have taught university courses that involved finance, compound interest, and payment schemes, and I know that this should be illegal, but apparently is n't. Most people do not have the time to call over and over about problems with this company. I would like to see them put out of business and money paid back to people who can not afford the fees and the hidden costs of doing business with them.
Consumer complaint received 2024-03-22
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: EQUIFAX, INC. (FL)

I am filing this report due to a critical concern regarding my FICO score. This is the fourth time I am submitting a complaint in regard to the same situation that has happened multiple times over the past year ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). On XX/XX/XXXX, my credit score through Equifax was XXXX. The score factors indicated that I have no missed payments, I have limited the use of my available revolving credit, I have an established credit history, and I have shown recent use of credit cards and/or bank issued open-ended accounts ( see attachment ). On XX/XX/XXXX, my credit score indicated a decrease to XXXX. No factors were given for the drop. The only activity indicated for the period was " The total balance on all you Bankcard account ( s ) has decreased by {$41.00}. '' My credit report has no negative accounts or information. How can my score decrease when there was no negative activity ( reported or otherwise ) whatsoever within 18 days? I have no inactive accounts reported to any of the credit bureaus. I also have only two credit cards reported and a mortgage, none of which are in delinquency or late. I have contacted the credit bureaus multiple times in the past to inquire why my credit score has gone down without any reason. Not a single customer service representative at any of the credit bureaus I contacted have provided an explanation. Over a 25-year span of building my immaculate credit, this significant drop is catastrophic and is a detriment to my personal and business financial burden ( i.e., line of credit, merchant account, property rentals, mortgage, insurance, credit cards, auto loans, equipment rental, terms of leases, business investments, and bank loans ). Credit standing is my blueprint and having a lower score can affect my standing with any reputable financial institution.
Consumer complaint received 2023-02-17
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. (CA)

This is my OTHER 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 XXXXXXXX, CA XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4600.00} ; MEDICAL XXXX Balance : {$79.00} ; MEDICAL XXXX Balance : {$170.00} ; MEDICAL XXXX Balance : {$89.00} ; MEDICAL XXXX Balance : {$50.00} ; MEDICAL XXXX Balance : {$75.00}.
Consumer complaint received 2024-04-11
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. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.
Consumer complaint received 2024-07-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Card Receivables Fund Incorporated (TN)

This collection was just added to my report XXXX. 
But it is NOT my account does not belong to me. It says it is from XXXX. The account is not mine and needs to be removed immediately I am going to take LEGAL ACTION. 
15 U.S.C 1681 section 604 A Section 2
Consumer complaint received 2024-02-22
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (FL)

On XXXX I was contacted by Hunter Warfield to request payment based on the move out calculation provided by XXXX XXXX XXXX XXXX XXXX. I advised Hunter Warfield that I was waiting on XXXX XXXX to provide me with the final amount that was due. I advised Hunter that I sent a response to their demand for payment. Hunter Warfield requested that I provide them with a duplicate of the demand via their website. On the same day of the call, I sent an email to Hunter Warfield to demand proof of the debt. 

I advised Hunter Warfied in my letter of the following : On XXXX I was contacted by Hunter Warfield to request payment of {$3600.00}. The agent advised Hunter Warfield followed with the Property Manager in XXXX and the Property Manger confirmed the amount of {$3600.00} was the correct amount. 


Hunter Warfield is making demand for the initial move out calculation amount of XXXX on behalf of XXXX XXXXXXXX XXXX XXXX XXXX. However, XXXX XXXX confirmed via email the amount of XXXX would be decreased based on information that I provided to them. The information that was provided provided support for why specific charges shold be removed or decreased. To date, XXXX XXXX has not provided confirmation of the final that would be due once the agreed charges were removed/decreased. As a result, Hunter Warfield is making a demand for the incorrect amount.
Consumer complaint received 2024-01-31
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. (TX)

The company is providing late payments on my credit report which is unlawful according to. 
15 USC 168Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also stated a consumer furnish an account without my written instructions. 15 USC 1666B A creditor may not treat a payment on a credit card open-end consider credit pan as late for any purpose.
Consumer complaint received 2019-10-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (IL)

I tried to send {$550.00} to my cousin using Cashapp. The app decline my transaction but took the money from my bank account. The app then closed my account with my money in it. The app would not allow to cash out my own money. I had gotten logged out and now I cant even see the money in my account. Ive sent numerous emails and they give me no explanation as to why I cant access my my money. Ive even tried reaching out to my bank with no luck. They wont even tell me why my account was closed.
Consumer complaint received 2023-12-04
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. (PA)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (CA)

Subject : Complaint Regarding Unjust Charges on Closed Credit Card - Case # XXXX Dear Consumer Financial Protection Bureau, I hope this message finds you well. I am writing to bring to your attention a concerning issue I have been experiencing with my credit card, and I am seeking your assistance in resolving the matter. 

My case number is XXXX, and the situation revolves around an unauthorized charge on a credit card that I closed in XX/XX/XXXX. The charge in question was added to my closed account in XX/XX/XXXX for a subscription that I had already canceled. I possess written confirmation from the merchant, dated XX/XX/XXXX, affirming the cancellation and assuring me that no further charges would occur. 

Despite providing this evidence and requesting the reopening of my dispute case, I have been informed by Barclay Bank that they are unwilling to reverse the charges. This denial is perplexing and frustrating, as it contradicts both the evidence I possess and the assurances made by the merchant. 

I am reaching out to the Consumer Financial Protection Bureau in the hope that you can investigate this matter and help facilitate a fair resolution. It is disheartening to find myself in this situation, and I believe that the unauthorized charges on my closed credit card must be rectified promptly. 

I appreciate your attention to this matter and look forward to a timely and just resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-01-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (MN)

Aidvantage notified my doctoral program at XXXX University that I had received too much financial aid in my XXXX XXXX XXXX ( 11 years ago ) and that I needed to complete a reaffirmation agreement. This was completed on XX/XX/22 and submitted to Aidvantage electronically on XX/XX/22, again on XX/XX/22, and XX/XX/22. On XX/XX/22, Aidvantage told XXXX University that this had to be submitted in my portal in order to receive a confirmation letter. I submitted this on XX/XX/22, and was told in a written document that it would be responded to in 5 business days. I have not received a response from them even though I have sent another email to them on XX/XX/22. I now need to delay my start date for spring term because I can not get additional financial aid until XXXX University receives the confirmation letter from Aidvantage on my reaffirmation agreement. I need assistance in receiving this confirmation letter so I can receive additional financial aid and register for classes.
Consumer complaint received 2023-07-13
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: Experian Information Solutions Inc. (CA)

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/2023. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
PLEASE DELETE THIS FRAUDULENT ITEM : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-31
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)

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT by FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 
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 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Company failed to exercise their grave responsibilities with fairness, impartiality, and a respect for my right to privacy. Company failed to adopt reasonable procedures for meeting the needs of commerce for my credit and other information in a manner which is fair and equitable to me, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the law. 

For more detailed complaint, please see attached evidence and documentation of failure to abide by the law.
Consumer complaint received 2024-01-29
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-01-29
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. (NY)

I am writing to file a formal complaint regarding the removal of a fraudulent account on my credit reports by the credit bureaus. I have discovered a fraudulent account that was opened under my name and I have written a letter to the credit bureaus requesting their thorough investigation into this matter and the removal of this fraudulent account via USPS Certified Mail on XX/XX/2023. However, they did not conduct an investigation and refused to remove this fraudulent account from my credit file. These are the details of the fraudulent account : Creditor : XXXX XXXX ; Account number : XXXX ; Balance : {$450.00} ; Date opened : XX/XX/2023. Upon discovery of this fraudulent account, I immediately took steps to address this matter, including filing an identity theft report with the FTC and placing a fraud alert on my credit files. Despite my efforts to remove this product of identity theft, the account remains on my credit report, continuing to negatively impact my financial standing and credit health. Under the Fair Credit Reporting Act and the Consumer Protection Act, I am entitled to have fraudulent accounts removed from my credit report. Therefore, I request the CFPB 's assistance in investigating this matter and ensuring the prompt removal of this fraudulent account from my credit records.
Consumer complaint received 2024-01-30
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (IA)

On XX/XX/2024 I was charged by XXXX XXXX for a purchase I didnt make. On XX/XX/2024 I filed a dispute for the charge. On XX/XX/2024 I recieved a confirmation of the dispute and was notified that my card would be shut off until the dispute was finalized. On XX/XX/2024 and XX/XX/2024 I called inquiring about the status of my dispute to which I was notified that there was no update. On XX/XX/2024 I emailed inquiring and update to which I got no response.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX is reporting inaccurate late payments on my experian XXXX  credit report. they sold the debt I owed to XXXX XXXX XXXX XXXX XXXX. I started paying this third party debt collector through a debt consoldation program. the first payment was made XX/XX/XXXX. they were paid monthly through ACH transfers with the final payment being made XX/XX/XXXX. this debt was no longer owned by them since it was sold to XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX is reporting late payments from XXXX XXXX XXXX  even with payments being made to their debt collector. once the final payment was made on XX/XX/XXXX. XXXX XXXX XXXX XXXX this point added " 30 days late '' een with the debt settled. they are reporting inaccurate late payments ( XX/XX/XXXX for experian and XX/XX/XXXX for XXXX. highlighted pictures provided are evidence of payments made to third party debt collector nXXXX XXXX XXXX XXXX XXXX  for the debt owed. the other pictures are evidence of inaccurate information being reported to my credit reports
Consumer complaint received 2019-10-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (OH)

On XX/XX/2019 I sent {$200.00} through Cashapp to a friend. The app currently shows the payment as pending. My bank account show the {$200.00} as sent. My friend has yet to recieve the payment. I asked Cashapp to look into the problem and they say that no payment occured between the dates of XXXX and XXXX.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

If inaccurate information is discovered in your file, the consumer reporting agency must examine the disputed information, usually within 30 days. If the inaccurate information can not be verified, the consumer reporting agency has a responsibility to remove it.
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.
Consumer complaint received 2024-01-30
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (RI)

I never had any business with that company. They tried to said I owe them {$4200.00}. I never live in that places. I tried to reasoning with this company but they still not prove to me that I was in fact the renter. The acct number they provided for me was from XX/XX/XXXX acct # XXXX. At that time I was living in mass.