davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-17
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. (IL)

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.

has violated my rights. Or a 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 2022-03-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

XX/XX/2022 : XXXX XXXX ( XXXX : XXXX XXXX XXXX, not a registered business ) {$400.00} via cashapp, for home repair, he left and then wanted another {$200.00}. I offered {$200.00} via XXXX but he didnt want payment through that system ( probably because they will investigate fraud ). He even stated by text that he would refund the {$400.00} and never did. Never came back to do any repairs, never refunded the money, blocked me on XXXX. 
Total : {$400.00} I submitted a police report and will be prosecutingXXXX XXXX  police report filed today, XX/XX/2022. Report # XXXX. 

I have already used Cashapp 's complaint/fraud system, they declined to do anything, despite knowing he committed fraud.
Consumer complaint received 2023-05-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (NY)

I got a derogatory notice from a collection company reported to my without even being contacted in writing about a debt.

I can't write a letter of dispute to a collection company when I never received a letter or notice of collection.

I never got a 30/60/90 day collection letter.

I never got a chance to dispute the collection before this was reported to XXXX.
Consumer complaint received 2023-10-04
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: Experian Information Solutions Inc. (FL)

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX  XXXX Balance Owed : {$1600.00}.
Consumer complaint received 2023-11-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (FL)

Upon seeing that Aidvantage was my loan servicer, I created an account and set up automatic payments. As I had cash on hand, I attempted to pay {$3000.00} towards one of my loans, the one with the highest interest rate, to get a head on its interest accumulation. On XX/XX/XXXX I submitted this payment. A few days later I noticed that the money had not been taken from my bank account. On XX/XX/XXXX I had assumed I made an error typing in my routing number or similar. I entered it in a second time taking considerable care to ensure it was correct. I thought that should be that, and when I checked my account on XX/XX/XXXX, I saw that once more the payment was reversed. I called Aidvantage, but after an hour on hold without having spoken to a person, I had to go back to work. On XX/XX/XXXX I resubmitted my payment, and noticed that interest had begun accumulating on the original loan amounts, which I had been trying to avoid for two months now. A further attempt to contact the Aidvantage today had been similarly fruitless, and now at the recommendation of family I am filing a complaint.
Consumer complaint received 2023-09-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (AZ)

Log in does not work. Password reset doesnt work, it used to only let me log in one time per password reset and now I cant even do it once and the authentication codes they send also dont work. Its impossible to log in and they wont answer the phone.
Consumer complaint received 2023-11-17
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

We rented an apartment from XXXX XXXX XXXXXXXX XXXX ( a XXXX XXXX XXXX ) in the XXXX area for 7 years and left on good terms a few months ago, owing nothing. Now, this week, Fair Collections & Outsourcing of XXXX, MD, has sent collection letters to both myself and my husband, claiming we owe {$53.00}. The letters are bogus but say we're required to send a written, mailed response if we don't want phone calls from these people. The company has our names, our permanent address and the name of the apartment we rented from, including the correct unit number, which means someone sold our rental information to scammers.
Consumer complaint received 2023-11-13
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. (OH)

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. 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. The following is the list : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

XX/XX/XXXX @ XXXX, I deposited a check at a Bank of America XXXX Maryland XXXX XXXX XXXX XXXX drawn from my attorney 's Bank of America XXXX Maryland XXXX account ) in the amount of {$21000.00} and specifically asked the teller if a hold would be placed on this check and if I could receive a portion of the funds. His response was " there is no hold ; however, our bank policy states that we can not release the funds until XXXX hours and you will have access to your funds tomorrow. '' Paper receipt also showed " total deposit to check {$21000.00} credit pending posts on XX/XX/XXXX, Available now {$0.00}, Available balance {$20.00}. I also checked my online account which also stated " XXXX XXXX credit on XX/XX/XXXX, {$21000.00}. Total deposit {$0.00} Available now, {$21000.00} Credit pending ( Available to cover items posting on XX/XX/XXXX ). Available next business day for withdrawal and debit card purchases. ) I then began to make arrangements/promises to pay some past due bills ( i.e., utility turn off notice, car repossession, etc. ) and dropped my vehicle off for services- to be picked up and paid for on XX/XX/XXXX. At XXXX, Bank of America sends me an email stating that they've placed a hold on my check because specific information indicates item may be returned. Date Available, XX/XX/XXXX by XXXX. If we didn't tell you about this hold when you deposited the check, we will refund any overdraft fees charged because of the hold, to get fees refunded call the phone number on your statement but check your Available balance in the meantime to avoid overdrawing you account and you can also set up alerts. After receiving this message, I immediately called customer service and was given an apology for the misinformation but a check in that amount must be placed on hold to verify funds and to protect myself and the bank. So I explained to her that the Teller, paper receipt, and statement on my online account says something totally different, I had bills due that I'd already promised to pay, and the email notification indicated that there an issue with the check and I needed clarity. I asked and was told that the email " hold '' statement was a generalized statement. I then informed the CSR that I was ending the call and would follow-up tomorrow at the branch.
Consumer complaint received 2023-04-15
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: BETHPAGE FEDERAL CREDIT UNION (FL)

Loan is fraudulent and a down payment was taken when it should not have been. My car insurance was not included in my loan and this is against my UFC code law. UFC -15 1611, UF16-05, UFC16 62. I traded in a car and was not given my right equity for my trade in value. I have the right to rescind these loan on the UFC violations alone. 

I purchased my first vehicle from XXXX XXXX in 2019 ( XXXX XXXX ) which was a fraudulent, i than trade that vehicle in for a 2019 passport which also was a fraudulent contract. 


XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX
Consumer complaint received 2021-12-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (CA)

I contacted my card issuer ( CashApp ) XX/XX/21 to dispute some transactions. I contacted all merchants of each transaction was previously. Unfortunately, refunds where not processed by the merchants or Cashapp. I had no choice but to file disputes for these transactions. Cash App representatives did respond to my requests. The responded via email asking me to provide details and as shown on screen shots here. I was quick to respond providing the details. I also provided supporting documentation I received from the merchants. 
Cash App has continued to ignore my requests and not help me. 
I will attach supporting documentation
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: EQUIFAX, 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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX, XXXX XXXX  # XXXX, XXXX XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2023-11-13
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. (WI)

My loan matured XX/XX/2023. It took XXXX XXXX XXXX  6 months to complete the modification. During this time I continued to make monthly payments. XXXX XXXX failed to complete the modification in a timely manner causing my account with them to show delinquent. I also spoke with XXXX XXXX regarding the delay as well as the late charges assessed to me. He stated that he showed that I was current at the time of maturity and that I continued to make monthly payments during the extensive amount of time it took them to complete the modification. As of XX/XX/2023 XXXX XXXX XXXX  still had not updated my account. I received my monthly statement XX/XX/2023 showing that nothing was due. In reviewing the statement it showed that XXXX XXXX took a portion of my last payment and applied it to late charges. XXXX XXXX stated that those late charges would be waived. I submitted a credit bureau correction and received a letter from XXXX XXXX stating that their records were accurate and no correction would be made. It was of no fault of mine that it took XXXX XXXX 6 months to complete the modification. They had everything needed by XX/XX/2023. During that period I continued to make payments each month in a timely manner.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

I filed a dispute with Experian twice and both times they failed to correct my consumer report then on the second time they filed false information about an account being open that was closed and settled months ago. I sent the first dispute electronically on their website as i just wanted my information corrected, and too continue on my credit building journey. the first dispute changed wrong/ outdated information but said the account was valid. On the second most recent dispute i sent a letter with attached copies of what i paid and too whom the payments were for. I had 3 accounts settled recently and after waiting the 60 period i wanted my information reflected on my consumer credit report. The second report came back worst even after i sent proof stating the account was reopened and the balanced was now 180 days late? I became frustrated, and found out how to get them to fix their intentional mistake as i did send proof ws to contact CFPB. The errors iv found since the dispute came back are, false open account, 180 days late, account not paid/settled, hard inquires and addresses and names that are not mine its a complete mess. The main account that is wrong on my report is XXXX XXXX XXXX.
Consumer complaint received 2023-11-17
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. (TX)

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  has violated my rights. Or a 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 2024-04-16
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. (ME)

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.

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 2023-11-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. this charge came from the same portal where I pay my rent. When I noticed the charge I contacted BOFA immediately. Spoke with person from Nevada. That person told me that they would handle it. It did not get handled. I have never paid XXXX XXXX XXXX before. The portal that I used was hacked XXXX  and someone had my debit card information and used my information. BOFA has sent nasty messages stating that I was aware that the charge had taken place. I have been trying aggressively to get my money back for over a year. This caused something else to be in default because this money was hacked from my account
Consumer complaint received 2023-11-17
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. (SC)

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. 
has violated my rights. Or a 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 2023-11-17
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. (AZ)

I received alerts to my cell phone about unknown inquiries. I am not liable for them. Please investigate and remove from my consumer report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (NY)

I reported my card to cash app as stolen, the cancelled my card never put a provisional credit on the account even after the police report was sent to them. They cancelled the card again and said they were closing the case. XX/XX/XXXX I lost a couple debit cards and credit cards.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

XX/XX/XXXX i sent my XXXX disputes letters No action was taken Experian. The company did not process my disputes at all.i spoken with XXXX of the agents who verified that.
Consumer complaint received 2021-09-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (AZ)

Square is holding {$660.00} due to a dispute. However, they refuse to return my funds even after the dispute was resolved in my favor. They also attempted multiple ach transactions to collect a fee on that same {$660.00} transaction, which doesnt make sense if those funds were suspicious at the time. This resulted in my bank closing my only mainstream account. Square also closed my merchant account and makes it impossible to talk to a live person.
Consumer complaint received 2023-11-17
Product: Debt collection — Credit card debt
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: PNC Bank N.A. (GA)

PNC BANK HAS REFUSED TO PROVIDE ME WITH REQUESTED DOCUMENTS REPEATEDLY AND CONTINUE TO HARASS AND TEXT ME ABOUT AN ALLEGED DEBT I DO NOT OWE. THEY ARE ALSO REPORTING THE INFORMATION TO THE CREDIT REPORTING AGENCIES. 

THEY ARE IN VIOLATION OF THE TCPA ACT.
Consumer complaint received 2023-11-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

On XX/XX/XXXX, two fraudulent charges of {$400.00} each from XXXX were debited from my account. USAA even reached out to me asking if these charges run on my debit card were valid. I said absolutely not. They provided me a provisional credit of {$800.00} and sent me a new debit card on XX/XX/XXXX. Today, on XX/XX/XXXX, USAA debited my account again for {$800.00}, reversing the provisional credit. When I called, they first told me that someone 'impersonating me " called USAA and claimed the charges were valid. Then they told me that that were two duplicate cases disputing the charges were filed and one was closed as 'duplicate '. So I asked what a duplicate case on their end has to do with removing the {$800.00} provisional credit from my account. They told me it would take 2-3 business days to put the {$800.00} back into my account. Then they told me it would take the length of the investigation which can last 45 days. I told them that keeping {$800.00} of my money for 45 days is not consistent with a 'zero liability policy '. They then just refused to let me speak to anyone else nor explain their inconsistent communication with me. So, I hung up and am calling back USAA but I find this whole drama to be a complete waste of my time. I object to a bank attempting to keep {$800.00} of my funds over charges they themselves believe are fraudulent while they 'look into the matter '.