davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-23
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bull City Financial Solutions, Inc (NC)

I originally had a dispute with XXXX XXXX XXXX whereby I developed an XXXX and has to see a Specialist to clean it up. I made numerous attempts to settle, and they ignored my emails and letters. As of XX/XX/year> my unpaid balance was {$1300.00} ( I have the document ). On XX/XX/year>, Bull City Financial Solutions, sent me a demand for payment in the amount of {$44000.00}. I called them and spoke with XXXX on XX/XX/year>. I told him that I have a very recent invoice for {$1300.00} and the amount was wrong. He told me that the amount is correct and that was the amount sent by XXXX. I asked for support such as dates of service and amounts. He said there was none, just an amount. He showed no interest that there is a gross mistake. I immediately called ECU and spoke with XXXX XXXX, she denied the {$44000.00} and told me that the outstanding balance to date is {$1300.00} on XX/XX/year>. I looked up reviews on XXXX  and XXXX. Bull City has scammed many people. I also noticed that my credit rating recently dropped from XXXX to XXXX. My credit rating has always been exceptional. In short, I realized that I am being defrauded and scammed by the Bull City Fianacial Solutions. My dispute of {$1300.00} is over fairly minor dental services by a student dentist not a heart transplant. They should be investigated and forced to produce evidence supporting their {$44000.00} demand for payment.
Consumer complaint received 2024-03-29
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: Experian Information Solutions Inc. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2022-07-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (VA)

My acct was hacked. On XX/XX/22 {$270.00} at XXXX ; XXXX was STOLEN from my CASH APP. Then on XX/XX/22 {$1000.00} was taken. I FILEDa complaint but it was denied. I have been with CASH APP for four years. I WAS ROBBED OF {$1200.00}. I AM A XXXX VETERAN I NEED MY MONEY TO PAY RENT AND MONTHLY BILLS. CASH APP CLAIM NUMBER XXXX. I NEVER AUTHORIZED ANYONE TO DEBIT MY ACCT
Consumer complaint received 2023-08-06
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: Experian Information Solutions Inc. (MD)

Experian and XXXX continue to violate the law and my rights by not properly investigating information that remains on my credit report. According to the 15 U.S. Code 1681- Congressional findings and statement of purpose, the law clearly states.

1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. 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.
Consumer complaint received 2023-12-05
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. (NJ)

XXXX XXXX XXXX reported a 30 day rating under XXXX XXXX on my credit report. This company had a system issue in regards to processing automatic payments, resulting in my credit card balance becoming past due. I should not be penalized for this company 's error. 

This is the only delinquency reported on my credit report and it has been detrimental to my future endeavors, including buying a home. I should not have to suffer from XXXX XXXX
Consumer complaint received 2022-07-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (TN)

On XX/XX/XXXX, my daughter sent a cashapp transaction of {$150.00} to me but she accidentally sent it to my old cashtag instead of the new one that she had created for me months ago when i got a new phone. The next day after realizing the transaction still had not come through we started looking closer at why. When she went back on her cashapp she asked me to verify mine. Upon doing so is when we realized the mistake. She immediately reached out to her bank to find out if she could cancel the transaction. She was initially told that the transaction had to actually post and then she could file a claim. I in turn reached out to cashapp support and filled out all of the info requested, my name, old cashtag, new cashtag, etc ... .I provided everything that they asked. My first complaint is that it took hours for them to actually respond. This went on from Saturday to Monday. On Monday, I finally was able to get someone on the phone, who basically asked me to repeat or give all the info that had previously given over the course of the weekend. I was told that a decision had been made and due to security reasons they could not do anything further. I questioned the " security '' reasons because i was the one who provided all of the secured info that they requested. Again, i was told there is nothing further they could, they had resolved the issue and the case would be closed. My response was the case is not resolved, there is a {$150.00} in limbo and you have not even offered me any solutions to give to the sender. They then told me that the case is closed and they would be happy to assist me with anything else. At this point I'm furious! the case is not resolved because my daughter is out of {$150.00} and so am I because she was reimbursing for an expense that i had covered for her the previous week. By now I'm livid and i feel like they give you the run around purposely so that they can keep your money. My daughter reached out to her bank again because by now the transaction has posted and the money has been deducted from her account. Her bank XXXX told her that it is the merchant 's ( cashapp ) responsibility to issue the funds to me. I have threatened this entity and still no one has tried to resolve this issue for me. Also, when you're trying to resolve issues you're talking to a cashbot, not an actual person. The responses they send back are generic and not specific to your request. And when I finally was able to speak with someone they blew me off not willing to offer me any further info. Or to tell me what other info I could provide to them to prove that i am who i am and that this transaction was misplaced. 

My daughter 's bank XXXX said that if CashApp would issue a letter about the claim then XXXX would reverse it and refund her the money. Well guess what, my daughter reached out to CashApp for a letter and she has gotten no response, nothing! In this day and time who has {$150.00} to play with. I need my money. PLEASE HELP.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

Good afternoon, I applied for a mortgage with XXXX XXXX  and they did a credit check and there is an XXXX XXXX XXXX  on my credit report showing a balance of {$500.00}. I dont have an XXXX XXXX XXXX and I have never apply for an XXXX XXXX XXXX therefore this XXXX XXXX XXXX shouldnt be on my credit report. 

Kind regards, XXXX XXXX
Consumer complaint received 2023-05-09
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: CCF Intermediate Holdings LLC (VA)

I had opened a line of credit with First Virginia ( XXXX XXXX XXXX XXXX, VA XXXX ) a CCF Holdings LLC Company ( XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX ) subsidiary, and was doing business with the previously mentioned company for serval months prior, until without notice on XX/XX/2023 the Company ( CCF Holdings LLC ) committed fraud and took an unauthorized payment of XXXX out of my business savings account. At no point in time did I Authorize and/or gave them the information to access my Business Savings account ; this action should have never occurred. I Reported this fraud and Improper Financial transaction to my Business financial institution ( XXXX XXXX XXXX ) once I was aware, and an investigation was conducted and concluded on XX/XX/2023. CCF Holdings LLC was found in the wrong and funds were returned to my account ; unfortunately, there were other issues caused by this transition resulting in a monetary loss and a decline in creditworthiness from other lenders. An estimate of XXXX in damages I feel would compensate for this egregious attack and improper collections action taken upon me and my business.
Consumer complaint received 2018-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (SC)

I received a 0 % rate on promotional checks from Chase credit card. I used {$530.00} to write myself a check and deposit to our XXXX account to buy a powered bed base for my XXXX  XXXX. After I bought the item, Chase blocked my XXXX  XXXX XXXX the funds coverage, so XXXX  XXXX XXXX just took the funds out of our bank. Chase 's reason was because the checks they sent didn't match the chase card #. The reason it didn't match is cause they're always sending a new card out, but it's still all on my account. Their final reason : that promotion is not offered on the new card ... .even though it's NOT a new account, just a credit card issued with different numbers. So I knew they got me, I used the {$530.00} then they backed out of paying for it even though they knew the new credit card was still using the same account. XXXX   XXXX always updates our cards, and occasionally sends us promotional checks, but they never gave us a lame excuse the checks did not qualify for the promotion just because the debit or credit card numbers changed! I'll be reporting them to the Federal Trade Commission as well, pay off the account, and close them.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (GA)

On XX/XX/2023, American Express denied me for an open credit plan even though their indenture agreement states that when an applicant applies for credit they shall be granted as long as they exercised their rights with good faith and clean hands. Also I have attached the letters and laws that are being violated in this matter. Also I'm in arbitration with XXXX XXXX XXXX, so im not sure how that company can report something that isn't my account. I explained that American Express, and the issue still have not been corrected. 

Dear Underwriting team, Today I, XXXX XXXX was denied and received an adverse action letter today for an extension of credit by American Express National Bank on XX/XX/2023. I applied for a credit card that I wanted. I have invested in this account with good faith and clean hands. Im here to accept all lines of credit, titles, and interest on this account. I have attached your American Express XXXX agreement where it states that my note is an open-ended credit line and access should be granted. I have also attached your XXXX form that explains in detail about notes and securitization transactions from the XXXX XXXX XXXX XXXX XXXX American Express National bank I ask that you please open my line of credit. 

As you may be aware, it is against federal law in accordance with the Equal opportunity Act to proclaim an adverse action against a consumer. Pursuant to 15 U.S Code Sec 1691 ( C ) you assume civil liability pursuant to 15 U.S Code Sec 1691 ( k ).

American Express and American Express National Bank has violated my federally protected consumer rights : 1. 15 U.S Code Sec 1642 2. 15 U.S Code Sec 1681M 3. 12 CFR 1002 Since this letter was sent to me dated XX/XX/2023 is both proof and evidence that I have been discriminated against, and youre criminally liable. American Express should resort to reasonable procedures to rectify this affair and compensate me for the use of my securities. Otherwise, this would be considered security fraud since I have received NO BENEFIT. 


If there are any concerns than you can retract my note that I sent using my social security or to my understanding, we can than start to discuss security fraud. You have XXXX business days from the delivery of this letter to resolve this matter. 

Thanks, XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-03-29
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)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2023-12-05
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: Nelnet, Inc. (FL)

I have disputed these late payments 3 different times with XXXX XXXX XXXX XXXX is the only one reporting it correctly. XXXX and XXXX just keep verifying the information without sending me any method of procedures. I disputed on XXXX XXXX XXXX XXXX. They havent even investigated. They just sent something back saying they werent going to investigate. I sent a 3 XXXX report in each letter- SHOWING THE ERRORS DPEDNELTNET XXXX DPEDNELTNET XXXX DPEDNELTNET XXXX DPEDNELTNET XXXX DPEDNELTNET XXXX
Consumer complaint received 2024-03-20
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southern Management Systems Inc. (NY)

PERSONAL NOTE Dear consumer reporting agencies my name is XXXX XXXX Iam an upstanding citizen of U.S.A., Iam being held back from getting a higher paying job and an apartment where I desire to due to false information on my credit report I noticed today XX/XX/XXXX I ask please to investigate and remove false items reporting on my credit. thank you Have a Good day SOUTHERN MANAGEMENT SY Original creditor : XXXX XXXX XXXX XXXX XXXX Balance details XXXX XXXX paid off Balance {$2400.00} Balance updated XX/XX/XXXX Original balance {$2400.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$2400.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Company Contact info SOUTHERN MANAGEMENT SY Address XXXX XXXX XXXX XXXX, FL XXXX Phone number ( XXXX ) XXXX 15 USC 1681 E ( B ) & 15 USC 1681 1 ( 5 ) THESE TWO LAWS SIMPLY STATE THAT ALL ITEMS ON YOUR CREDIT REPORT MUST BE XXXX ACCURATE AND IF AN INVESTIGATION IS DONE THAT CAN NOT PROVE AN ITEM ON YOUR REPORT IS ACCURATE IT MUST BE REMOVED Thank you
Consumer complaint received 2024-04-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-04-19
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. (TN)

I am writing to formally request that accounts refrain from sharing my personal information with third-party agencies and organizations, pursuant to the rights granted to consumers under the Gramm-Leach-Bliley Act ( 15 USC 6801-6805 ). I have attach a previous letter that Ive sent the creditor in writing. Any further refusal of my request will result in legal action. Thank you.
Consumer complaint received 2023-10-30
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. (TX)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-12-05
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: EQUIFAX, INC. (NE)

Collection Agency XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$38.00} Amount {$38.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES REINVESTIGATION IN PROGRESS Contact XXXX ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never have contract agreement with them, or I don't recognize this account.and i need to delete immediately. 
thank you.
Consumer complaint received 2023-04-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (MI)

I had an account with JP Morgan, Chase. It was only a debit card around XXXX or XXXX I went to XXXX in XXXX and have a double charge on my card for the same amount for a hotel room. I explain to Chase that he is a double charge and people here do not speak English and theyre telling me to contact my bank because it shouldve just been a single charge so XXXX explaining to Chase over the phone here I would like to dispute the charge because theyre saying They dont know why it became a double charge may be because of the car charging system after I filed a dispute to chase they ended up excepting the dispute and giving the money back but after I came back from XXXX, they close down my account ever since then Ive been trying XXXX find a way to resolve the issue even offering the money bag so I can use Chase as a bank. I own trucking business now and would like to open a business account with them and when I go to the branch or tried to call someone in customer service, they are all say that they put me in a permanent ban which I dont think is fair, even though I offer the money back, I didnt have any credit cards or anything like that where I had to use their money I had only a debit card where I always deposited my own money
Consumer complaint received 2018-12-23
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: Experian Information Solutions Inc. (MI)

Since XX/XX/XXXX, I have been disputing incorrect information being reported on my credit report. After applying for a loan for a mortgage in XX/XX/XXXX, and being declined because of the negative things being reported. Incorrect name and spelling, addresses I've never been associated with, wrong year for birth-date, incorrect account open dates, things that been paid to the original creditor, but another company reporting that's its unpaid. I have sent in proof of everything I've been disputing with a letter each month and nothing has changed. I even had a notary present during the signing of my letters. These agencies do not respond with 30 days from my request see date attached response with date. I'm still being declined and unable to move forward with my life because Experian, XXXX, XXXX XXXX, they have failed me with their investigations to correct the errors being reported. I have the original credit report pull from the mortgage company earlier in the year and the latest one from my credit union and they are still reporting the same incorrect information. As I move forward into XXXX I would like the these companies to finally report the correct information.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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 Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or 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.