davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-09-21
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. (KY)

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. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

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 XXXX Account Number : XXXX, has violated my rights. 

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. 

All XXXX XXXX
Consumer complaint received 2024-02-01
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Porsche Financial Services, Inc. (CA)

I have maintained a flawless payment history with PORSCHE FINANCIAL SRVC, but unfortunately, due to the circumstances surrounding the family death, I inadvertently misplaced my PORSCHE FINANCIAL SRVC statement. This oversight led to a 30-day late payment report in XX/XX/2023, which is now affecting my ability to secure a new loan.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAVE VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHT TO PRIVACY AND CONFIDENTIALITY UNDER 15 U.SC 1681 XXXX XXXXXXXX XXXX XXXXXXXX 15 U.S.C 1681 SECTION 602 A : STATES THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 A : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15 U.S.C 1681c SECTION 604 ( 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 INFORMATIN IS INACCURATE.
Consumer complaint received 2022-08-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (CA)

Around XX/XX/XXXX i was scammed by an online scammer who posed as a young woman who is knowledgeable about trading and investing in crypto. she advised me to invest in this Fraudulent company named XXXX XXXX  XXXX. After I Invested a large sum of money both she and the company stopped all forms of communication with me and i was unable to withdraw my funds. 
I lost XXXX BTC which is XXXX USD
Consumer complaint received 2024-07-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Data Mortgage Inc. (WA)

Oh man, avoid Essex mortgage at all cost. Not also so they just pay " bills '' that you don't owe like the irrigation company because you don't have sprinklers. There goes {$650.00} out of my escrow account that I didn't approve or owe, now my monthly payments are up about {$150.00} because of this. On top of this, their system ABSOLUTELY REFUSES to accept my monthly payments now and I have XXXX. XXXX tells my Essex is the one who's kicking back the payment. Essex swears up and down there's a stop payment then swears up and down it's due to insufficient funds while there's {$4200.00} sitting in that account and only {$2400.00} is due. THE BIGGEST JOKE is trying to contact ANYONE. The only way I've found is a face to face video call that has to be scheduled 2 days in advance. Makes getting anything done extremely difficult. On top of this your told stuff is taken care of and is not. Multiple times told my payment will be processed without the last fee that's forced on me because they won't accept my payment so now can't use portal to pay because I don't just bend over and it's most likely to not even work. Also completely forget about trying to just call then. No one ever answers, never get a call back and the automated system is complete garbage and most the time you don't even get a ring to even talk to anyone. It just goes ok let 's connect. Beep please answer this survey for your call, then hangs up without a survey.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Hello Looking at my credit report and disputing with the XXXX bureaus which have gone nowhere and now no correspondence from them, I still have discrepancies that must be removed immediately. 
These discrepancies are majorly impacting me from providing a house for my family. 
According to 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 : XXXX XXXX Account # XXXX Violating 15 U.S.C 1681 section 602 A. and 15 U.S.C. 1681s-2 ( A ) ( 1 Account XXXX XXXX Account # XXXX Violating 15 U.S.C 1681 section 602 A. and 15 U.S.C. 1681s-2 ( A ) ( XXXX XXXX XXXX Bankruptcy Reference number XXXX, XXXX This has been on my credit reports for 9 years violating 15 U.S.C 1681c. ( a ) ( 5 ) I am asking for these accounts that are reporting incorrectly to be removed immediately. Thanks
Consumer complaint received 2024-07-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SN SERVICING CORPORATION (FL)

I need your company to carefully review my mortgage statements for XXXX through XX/XX/year>. 

Statements XX/XX/year> balance {$73000.00} due date XX/XX/year> {$430.00} Unapplied balance {$56.00} XX/XX/year> balance {$73000.00} due date XX/XX/year> {$430.00} unapplied balance {$220.00} XX/XX/year> balance {$73000.00} due date XX/XX/year> {$430.00} unapplied balance {$350.00} NONE FOR XXXX XX/XX/year> BALANCE {$74000.00} DUE DATE XX/XX/year> {$430.00} UNAPPLIED BALANCE $ {$2900.00} I would like an explanation why in XXXX the due date is XX/XX/year> with a balance of {$73000.00} and the current statement XX/XX/year> has a due date of XXXX 2024 with a balance of {$74000.00} Basically going backwards from due date of XX/XX/year> to XX/XX/year> and yet with unapplied amount of {$2900.00}, my account needs to be audited, reviewed and corrected, I hope to hear from you soon before I file a complaint with Florida XXXX Regulations. 

I add my Attorney to the email Sent from my XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Southwest Credit Systems, L.P. (CT)

This mobile account had been making it's way to my credit report with several companies and I don't understand why. I have not had a mobile account in over 10yrs and when I left them I did not have a balance at all! They wouldn't even disconnect the phone line nor transfer it unless is was paid in full first! Theis popped up the first time with another creditor and after disputing it, it was removed. Now it's showing up again! Their were 2 separate accounts reported, one was removed and one stood behind which again makes no sense. I don't understand why the credit bureau allow this! This needs to be resolved and how was it removed then added back! That's insane!
Consumer complaint received 2024-07-08
Product: Student loan — Private student loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: AES/PHEAA (CO)

As to date, AESXXXX has currently defaulted my loan and placed a charge-off on my credit report, which continues to damage my credit causing undue harm while I'm unemployed, instead of granting any forbearance while addressing these issues, they are currently damaging my credit on purpose. 

My XXXX loan was specifically acquired to attend XXXX XXXX XXXX on XX/XX/year>. I can no longer make payments on it due to unforeseen nation wide industry unemployment. In this case I have asked and requested servicer American Education Services / National Collegiate Trust many times for some sort of help in the form of forbearance or temporary pause but have not received any help whatsoever. Most recently, from the borrowers defense approval, my federal loans have been completely discharged and credit repaired due to crimes committed my XXXX and XXXX XXXX XXXXXXXX, found guilty in many cases and subsequently closed down. I also submitted a school misconduct discharge application for my XXXX XXXX loans and those to have also been discharge and credit repaired. I expect a path to discharge to be set for this XXXX loan as well. 

In this case of all the legal precedence against XXXX  XXXX XXXX, the federal XXXX XXXX approval, my XXXX XXXX loan discharge along with the provided FTC holder rule, this loan acquired for these found criminal institutions ( including private ) are ill gotten due to seller misconduct.
Consumer complaint received 2023-12-13
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. (CA)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
Consumer complaint received 2021-03-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (NJ)

Cashapp closed my account after I won the cash-app trivia THEY host on XXXX. 
My payment from them FAILED, and then they closed my account. 


Payment from $ CashAppTrivia {$24.00} for # CashAppTrivia This payment was canceled for your protection which triggered to get my account banned ^
Consumer complaint received 2024-02-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

There was a claim on XX/XX/XXXX of 2023 on the account from XXXX XXXX to XXXX XXXX that was before we opened our account. XXXX had cashed a check from XXXX account We opened our account XX/XX/XXXX of 2023. There was {$530.00} taken out of our account on XX/XX/2023 that had nothing to do with us. 
We made a claim on XX/XX/XXXX of 2023 to get our money back that should not have been taken. 
We have made several phone calls with Bank Of America trying to resolve this issue and nothing has been resolved.
Consumer complaint received 2016-10-26
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (IN)

I leased XXXX Nissans on XXXX/XXXX/16. We then went back on XXXX/XXXX/16 with my daughter who purchased the XXXX Nissan. Was told at the time of getting the lease, the payment would be due in XXXX. In XXXX, I got the bill for XXXX of the leased vehicles and the purchased vehicle. I called inquiring about the other leased vehicle. Was told at that time, nothing had been received for financing from the dealership. I was told they would remove any late fees if they were charged. I called the dealer twice about the paperwork. Never got a call back. Then on XXXX XXXX, I got the bill for the leased vehicle with a due date of XXXX XXXX ( bill came 2 days after due date ). There were late fees assessed. I called and was told they would remove the late fees, but I needed to pay for XXXX and XXXX. I was also told I was reported the credit bureau for XXXX because I did n't pay. I did n't pay because they did n't even have the info in for XXXX from the dealership! They said they would remove the credit bureau hit on XXXX. I sent the payment for XXXX and XXXX on XXXX ( day I got the very first bill ). I inquired because at that time, the bill did n't even get to me until 2 days AFTER XXXX payment. other XXXX cars have been fine, just this XXXX car. The other XXXX I paid in XXXX no issues, and was not late. On XXXX XXXX, I get yet ANOTHER call about late payments. I had just called on 5 days earlier and was assured they were taking care of this issue! I 've been telling Nissan since XXXX I owed them money. Yes, I told THEM I owed them. But now, I 'm getting late charges and being harassed about payments. The paperwork was late from the dealership. This was not an error on my part.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

TransUnion, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX have utilized my information without proper consent. Reporting and selling my information to each other. Giving promises of credit. Hindering me from life, liberty, and the pursuit of happiness to live freely. Therefore the information which is being reported to my consumer credit profile is false. 15 USC 1681s - 2 states that a person must not provide information about a consumer to a CRA if they know or have reasonable cause to believe that the information is inaccurate. Per 15 USC 6802 - A financial institution may not disclose nonpublic personal information to a nonaffiliated third party. 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. the consumer is given an explanation of how the consumer can exercise that nondisclosure option. A financial institution may not, directly or through any affiliate, disclose to a nonaffiliated 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. All of these agencies are third party agencies and did not have my written consent to disclose my personal information for any basis of inaccurate information being furnished on my consumer credit profile. The 3 main credit reporting agencies : TransUnion, XXXX, & XXXX have been known for their deceptive practices, unlawful dealings of publishing false information on consumers credit profiles. They have also breached my rights under the Privacy Act of 1974. The Federal Educational Privacy Act ( XXXX ) for sharing my personal information with these agencies for monetary value. These companies, knowingly and willingly continue to disregard the FCRA Law, FDCPA & FTC guidelines which they all sign under their Indenture Trustee/Trustee/Servicer/Depositor SEC Forms . It is a VIOLATION!!!!
Consumer complaint received 2024-07-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: SOFI TECHNOLOGIES, INC. (AE)

I opened a SoFI account under the guise that I would receive a {$300.00} reward if I established Direct Deposit worth {$5000.00}. Therefore, I switched my Direct Deposit from XXXX and XXXX XXXX  to SoFI. I still have not received the promised {$300.00} deposit, and when I asked why - the customer representative responded that it needed to be completed within 25 Days. Unfortunately, this was not advertised when opening the account. Therefore, SoFI committed false and misleading acts under deceptive practices. Additionally, its no way I could establish my XXXX XXXX Direct Deposit from the Department of Veteran Affairs because the payment is paid every 30 days, and it takes additional time for the VA to implement direct deposit change request.
Consumer complaint received 2022-07-19
Product: Credit card or 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: Block, Inc. (NV)

I filed for fraud when I realized my direct deposit was transfered in XXXX XXXX they don't have a direct customer service number or representative only a advocate online chat. I have had many other fraudulent purchases and transfers since and was not aware of them or contacted when it was noted. I triedcntacting cash app may times and got a lot of run around and waiting with no end resolution. Not once was I properly contacted by cash app and as my money has been in the hands of a FDIC insured company I feel as such standards should be used in accordance.