davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ZWICKER & ASSOCIATES (MI)

I had a charged off account with XXXX and they gave it to Zwicker and Associates to collect the balance from me. I entered a payment plan in XXXX for an amount that was XXXX XXXX  less than the amount owed. In XX/XX/XXXX, Wicker and Associates offered another settlement for less than the original settlement amount, they sent me a letter confirming if the settlement in he amount of {$17000.00} was paid in full by XX/XX/XXXX the account would be settled. I overnight a check in the amount of {$17000.00} and they received it by XX/XX/XXXX. The amount of the check was deducted from the charged off amount on my credit report, but there is still a balance of the difference of the original amount and the agreed upon settlement amount. I have settled 5 additional accounts with other companies and the has never happened so I called to get an understanding and request a letter confirming my account was settled. The person was very hostile and told me he could no longer discuss my account and it went back to XXXX. When I called XXXX they said the account was with Zwicker and Associates and they did not have additional information. I feel like this law firm has been a scam from the beginning when they would call threatening to sue me if I did not pay. In this case, they took my money and my did not settle my account as they said they would.
Consumer complaint received 2020-05-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (WA)

For the past two weeks, I have been trying to contact CashApp because they have froze my account for my protection. I emailed them and I get a automated response stating they will handle my case. Later in the week I tried to cash out my money and now my funds are frozen. I contacted them on XXXX  and theyll on give me automated messages and tell me to wait 48 hours. Its been two weeks and I need access to my money now.
Consumer complaint received 2024-04-24
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. (MS)

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
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 2024-04-24
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. (CA)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : TXXXX 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 2024-04-24
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)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-22
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MD)

I had a load with Nissan Motor Acceptance Company for a XXXX XXXX XXXX. In Late XX/XX/XXXX I attempted to pay off the loan while shopping for a new car. 

When trying to close out my loan online so I could get the title, the system would not let me pay off the car immediately. XXXX 's online system would not let me pay off immediately and forced me to wait until XX/XX/XXXX. When I called XXXX attempting to pay of the vehicle over the phone, I was told they would need to charge me multiple additional fees in order to pay it off immediately because of the money transfer. XXXX finance had been directly billing my account for years with no fees, but said they were unable to take payment using this method despite the long history of doing so. 

It is now the end of XXXX. They forced me to wait 2 weeks to may a car payment that should have been available to payoff immediately. Over 2 weeks later, I have not received a new title or letter I can take to the XXXX  to remove the lien. There is no reason they could not take my payment for the rest of the car over the phone or immediately charged my checking account. 

I have now had to pay an extra month of insurance on a car I am trying to get rid off because of their manipulative business practices.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

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 2024-04-24
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. (TX)

I am writing to dispute and request the immediate removal of unauthorized and fraudulent inquiries from my credit report. Despite multiple letters stating that these inquiries are not mine, they are still being reported on my credit report. I have also submitted a report to the Federal Trade Commission ( FTC ) regarding these fraudulent inquiries and have enclosed a copy for your reference. These inquiries are damaging my credit standing and have the potential to cause significant harm to my financial reputation. It is imperative that these inquiries be removed immediately to prevent further damage. 

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 2024-04-24
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. (MD)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (MI)

On Tuesday XX/XX/XXXX I was able to use my Cashapp card for an amount of nearly {$30.00}. Yesterday XX/XX/XXXX I tried to use my card for a smaller purchase of {$1.00} and it was declined. Once I tried to move the remaining {$410.00} from my Cashapp to my checking account it told me That I had no Cashapp funds and the transfer was declined. I clearly gave the money there, what will happen to my account and the money in it?
Consumer complaint received 2024-04-24
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. (VA)

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to bring to your attention a matter of concern involving Equifax, XXXX of the major credit reporting agencies. Despite my repeated written requests, Equifax has failed to comply with the requirements of the Fair Credit Reporting Act ( FCRA ). 
In accordance with the FCRA, I have requested Equifax to verify certain items appearing on my credit report. However, despite my XXXX formal requests, these unverified items continue to be listed. The FCRA mandates that credit reporting agencies must have a copy of the original credit application on file to properly verify that an account listed on my credit file is indeed mine. However, Equifax has failed to provide me with any such original documentation bearing my signature. 
Furthermore, Equifax has not provided me with the name, business address, and phone number of the individual or business contacted during their re-investigation. They have also failed to provide the method of verification as required under Section 611 ( a ) ( 7 ) of the FCRA.

I would like to highlight that under Section 611 ( 5 ) ( A ) of the FCRA, Equifax is required to promptly DELETE all information which can not be verified. However, this has not been done. 
I am prepared to take legal action to enforce my rights under the FCRA and seek compensation for all financial damages that I may be entitled to under Section 616 and Section 617 due to Equifaxs ongoing deliberate and negligent non-compliance. 
I kindly request your assistance in this matter and look forward to your prompt response. These are the inquiries listed.. 

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 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 2020-05-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (MI)

Hi my names XXXX, I have been emailing cashapp because my account has been frozen. My brother used my cash card to get his unemployment money because hes not XXXX he cant have a physical cash card, he didnt want to used the card that comes in the mail because he wanted his money instantly. I emailed them for days now its been a week since my account has been frozen. I havent had access to any of my cash since XX/XX/XXXX. But my card was charged today XX/XX/XXXX at XXXX for {$11.00}. But I dont have access to my cash but someone else does!??
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (MD)

JPMCB Card Services XXXX initially charged off this account in XXXX of XXXX. The account didn't report anything else until XX/XX/XXXX and has been reporting the account as charged off ever since. The account was also closed by the credit grantor. A Charge Off is when your debt is sold to a third party debt collector. It is also a certificate of indebtedness, which means that it is now income. Income is NOT allowed to be reported to credit reporting agencies. 

Per 15 U.S.C. 1681 ( a ) - Accuracy and fairness of credit reporting, ( 1 ) states : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. The Privacy Act of XXXX ( 5 U.S.C. 552a ) establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. In addition, 15 U.S.C. 1681s - 2 Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors states : 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. Lastly, 15 U.S.C 6802- Obligations with respect to disclosures of personal information ( a ) Notice Requirements states : except as otherwise provided in this subchapter, a financial institution ( JPMCB Card Services in this case ) may NOT, directly or through any affiliate, disclose to a non-affiliated third party ANY nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt-Out ( 1 ) In general states : A financial institution may NOT disclose nonpublic personal information to a non-affiliated third party unless - ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this Title, that such information may be disclosed to such third party ; ( 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 non disclosure option. I NEVER received an opt out notice for anything that was reported to the consumer reporting agencies.
Consumer complaint received 2024-04-24
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. (VA)

Please find attached, along with two supporting attachments, my Formal Direct Dispute of Alleged Account No. : XXXX XXXX XXXX XXXX and its corresponding Receivables In Case OfXX/XX/XXXXXXXX ( formerly known as ) XX/XX/XXXX dated XX/XX/XXXX.
Consumer complaint received 2024-01-22
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (WI)

In XX/XX/XXXX, I made a purchase with XXXX using my XXXX Credit Card. During this time, I was switching bank accounts from XXXX XXXX to XXXX XXXX. I have numerous credit cards, and unfortunately, I overlooked setting up automatic payments for this specific XXXX card with my new bank. 

When XXXX contacted me in XX/XX/XXXX about a late payment, I immediately apologized and offered to pay the entire outstanding balance. They informed me of the remaining amount, which I promptly paid, thinking that would resolve the issue. However, they inexplicably charged my account all but {$2.00}, leaving a lingering balance I wasn't aware of. 

Fast forward to XX/XX/XXXX, I received another call from XXXX stating I owed {$18.00} due to attempted charges on my closed XXXX XXXX account, which were naturally declined. I reiterated that the XXXX account was closed and requested they stop attempting charges there. Frustrated but eager to settle the matter, I offered to pay the {$18.00} to clear the balance. 

Despite paying the {$18.00}, the account remained open with outstanding charges. My calls seeking resolution were unproductive, with conflicting information and no clear answer on how to clear the balance. My efforts to address the issue consumed hours, adding to the frustration. 

Now, even after assurances from XXXX representatives that the issue is resolved, this {$2.00} discrepancy, plus additional fees, has landed on my credit report as a 30-day late payment on XX/XX/XXXX, damaging my excellent credit score. This is unacceptable, especially considering my history of responsible credit card use and timely payments on thousands of dollars monthly. 

I am at a loss with XXXX. Their inconsistent communication, inability to resolve the issue, and damaging my credit score warrant further action. I need assistance navigating this situation to restore my credit score and hold XXXX accountable for their negligence.
Consumer complaint received 2020-05-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (NV)

On XX/XX/2020, my balance on cashapp was {$45.00}. On XX/XX/2020 my balance is -XXXX, There is no record of any transactions. So {$45.00} just went missing and there is no one to speak to or even a way to communicate this to them. It is my honest belief that CashApp stole my money.
Consumer complaint received 2024-04-24
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)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$890.00} XXXX XXXX XXXXXXXX Balance Owed : {$79.00} XXXX XXXX XXXX XXXX Balance Owed : {$490.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$740.00} XXXX XXXX Balance Owed : {$380.00} XXXX XXXX XXXX Balance Owed : {$0.00} 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-01-21
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One closed my account without due cause. Capital One accepted my application which is a letter of credit that is treated as a receivable asset for Capital One. As the only original holder I have equitable interest in this account and Capital One is required to return the payments to me from my investment. Capital One has not yet paid any money due to me and closed the account. Since I can not benefit from my own asset I want the application closed and all security trading to cease. 

Capital One is also furnishing inaccurate information to XXXX to damage my reputation. I can not be late on an account that has equity and the interest should be applied to the balance each month.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

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.