davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-18
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. (WI)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN BUSINESS CRED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN BUSINESS CRED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC (TX)

I will file a complaint with XXXX XXXX as well. I was shopping rates on XXXX XXXX and wanted to see the terms I would get on a soft pull. The card was opened immediately without my consent. I called Indigo XXXX and requested to close the account immediately after I got notification that the card was opened ( within mins ) The card was closed fine however they were still going to report it to the credit bureau as a closed card. I do not believe this is right if a person has called immediately after the opening of an account. They tell me they have no ways of pulling this information off the credit report when they are the ones who send the report to the credit bureaus they absolutely should be able to turn around and either XXXX stop the reporting of it XXXX not report accounts that have been closed within XXXX hours of opening. After I confirmed the account was closed of course there was a hit on my credit which should not be registered or removed upon closing. Less than a few weeks later I get a statement saying there's a {$120.00} balance. I called immediately and found out there was an annual charge still on this card. Not only was I not given what the terms were in my exact credit scenario, they charged a annual fee that if i actually were going to get the card and keep it wouldn't have known because no terms were shown to me. This started with XXXX XXXX but I am am submitting a complain to Indigo XXXX for reporting improperly and inaccurate information on my credit report.
Consumer complaint received 2023-08-31
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Chime Financial Inc (NY)

Hello, this is XXXX XXXX. I use chieme debit card to spend money on XX/XX/XXXX. I want to dispute the XX/XX/XXXXtransaction, I have been using XX/XX/XXXXall the time. I downloaded XXXX XXXX, which is an app that uses TV and modification technology to cheat toys. I tried to ask them for a refund, and they agreed, but I never received it. XX/XX/2023 they say refund to me, I never received my money, I need you help me, thank you
Consumer complaint received 2024-01-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

I, XXXX XXXX have been a victim of identity theft in regards to a credit being issued under my name and social security number without my authorization. There was a credit card issued from XXXX XXXX on or about XX/XX/XXXX. On or about XX/XX/XXXX, I filed an identity theft report and received reference number XXXX. I then contacted the XXXX XXXX fraud department on or about XX/XX/XXXX, and did receive correspondence on or about XX/XX/XXXX, stating that they investigated my claim and I wouldn't be responsible for the debt. Unfortunately, at this time I don't have a record of the correspondence because I went through a divorce in XXXX and all of my possessions were burnt. At this time I am requesting that XXXX XXXX reinvestigate this of matter to clarify the accuracy of this debt
Consumer complaint received 2024-04-19
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. (FL)

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-31
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

On XX/XX/XXXX, I paid a leasing fee to a rental agency for an apartment. However, due to a XXXX job loss, I couldn't move in. I immediately informed the agency, resulting in the cancellation of my lease agreement. 

At that point, the agency did not refund my deposit. Several months later, on an unspecified date, I unexpectedly received a deposit refund from the company without any explanation. 

However, it wasn't until XX/XX/XXXX, almost XXXX years later, that the debt XXXX contacted me, asserting that I owe money. Interestingly, they had initially contacted XXXX XXXX, not me, back on XX/XX/XXXX. 

This raises concerns because they did not attempt to make contact with me until XX/XX/XXXX. This delay in notification, along with the absence of a validation notice, may constitute a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the XXXX Fair Debt Collection Practices Act ( XXXX ). These laws require a debt collector to provide a validation notice within XXXX days of their initial contact regarding a debt. 

Moreover, it's important to note that on XX/XX/XXXX, before providing me with any validation notice, they reported this debt to the credit bureaus. This sequence of events has raised questions about the legality of their actions and the validity of their claim.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I filed complaints about false information appearing on my credit report with TransUnion, XXXX, and XXXX. I informed them of the infractions they were committing on my consumer report and provided a list of the accounts. They haven't responded in more than 60 days. Copies of every letter sent are attached below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2023-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc. (TN)

XXXX XXXX XXXX XXXX  XXXX campus that I tend to sent me a stipend And I no longer have the phone which my account is linked to. I called cash app over 5 times and talk to with people and also got emails that I have saved from the manager stating that they will not give me. My funds even though they access my account I gave them all the information they needed to access my older account. I still have my card. Which is locked and I? Can't get into my account to get my school money. And they are citing that they are not gon na give me my funds. They told me to start a new account and to put a card on there so that can transfer it over which I dead and they are still citing there's. Nothing that they can do so I can't even do my school work because I need to buy laptop. With the money that my school gave me.
Consumer complaint received 2023-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Block, Inc. (AL)

So I funded my cash app card with XXXX dollars. On XXXX that was to be able to place an order for delivery with XXXX. I went to place the order and it declined the transaction.and I believe also cleared my cart. So I went back to cashapp and the money was gone. I contacted customer support they said it was XXXX. And I went round and round until.finally a lady at XXXX corporate said she found the transaction said it was a ghost order. And that they were releasing the funds and it was up to cashapp to get the money back to me..so I go round and round with cashapp. They finally admit that it was them who had a glitch in their system.that paid merchants for transactions but didn't remove the money from my acct.. I never had any extra money in my account.and furthermore.i think it's highly unfair and maybe not even legal to them weeks later without notifying me to just take money earmarked for groceries. They denied it first and could have told me the truth because it has happened to many ppl according to walmart.who has tried to help their customers affected by this glitch even going to far as to have a three way conference call with XXXX cash app and the customer.but cashapp quit answering calls that included XXXX. They could have told me and shown me where the money wasn't received by them but instead they just decided to lie and be sneaky and I'm not having it. They have now taken around {$140.00} from me in the past few days.and the odd thing is that somehow my account is in the negative XXXX dollars and some change. If they can do that they could have posted a negative {$140.00} dollar balance.sent me an email called me or something..but back to the point is I don't recall my account having more money than it should have. It's crazy. It's also not my problem if you had a glitch and didn't take your money that is a you problem. If I preform a service for someone and refuse payment or say i got paid.and then try to go back 2 or three weeks later and say btw you owe me x dollars That ain't gon na fly..I know you guys have just finished litigation with cashapps parent company over their lackadaisical approach to fraud and other criminal enterprises. I don't think they learned anything. I would appreciate any insight, advise, input, intervention, or help of any kind you can offer. I'm not the only one experiencing this. Oh and also though cashapp knew they had a glitch they encouraged I guess one could say for me to dispute the charge with XXXX. There was no recorded transaction with XXXX. They did have that XXXX something dollar amount held. Anyway it's quite confusing and if someone would like to set up a time to speak over the phone so I can disambiguate and articulate myself to where it's easier to understand what has transpired I would welcome that.my number is XXXX thank you for your time.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-31
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. (NJ)

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2 Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXXXXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account name : XXXXXXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX  XXXX # XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I have never authorized, consented to nor benetted from the following accounts/inquires please remove the following within 4 business days pursuant to 15 USC 1681n - Civil liability for willful noncompliance : 1 ) XXXX XXXX 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 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

Credit Acceptance Corp XXXX - closed account XX/XX/XXXX XXXX - open account original balance - {$7200.00} past due {$9200.00} - date open XXXXXXXX status update XXXX XXXXXXXX balance updated XXXX - XX/XX/XXXX the account was removed then added without proper notice of within 5 days of a reinsertion letter according to FDCPA and my credit account reported it 100 % paid off and on time XXXX - original balance - {$7200.00} past due {$9200.00} - date open XXXX status update XXXX XXXXXXXX balance updated XXXX Reporting illegal transaction history. 

XXXX & XXXX are saying they validated my consumer report with creditor when FDCPA 15 usc 1681 ( A ) 2 ( E ) - investigative consumer report must be obtained through neighbors ALL of these are also violations of The Privacy Act of 1974
Consumer complaint received 2023-10-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.
Consumer complaint received 2023-10-31
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. (IL)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2024-02-08
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PLANET HOME LENDING, LLC (AL)

On XX/XX/year>XXXX  my mortgage company ( Planet Home Lending ) sent me a Escrow Analysis. 
The issue is there is a difference the Expected Amount Due and Actual Amount Due in regards to my home insurance and property taxes. The differences is {$310.00}. Some how they claim that there is a shortage of {$2200.00}. This is unacceptable and I need your assistance in this matter.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am contacting you to dispute the appearance of this bankruptcy on my credit report. It's concerning because I have a letter from the court explicitly stating it should not be reported to you. Furthermore, the involvement of an unauthorized third party only heightens the absurdity of this situation.
Consumer complaint received 2024-03-30
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. (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.

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 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: LEXISNEXIS (NY)

XXXX XXXX  XXXX 's mandatory insurance dept 's ENDORSEMENT paperwork said to contact XXXX XXXX. We did and XXXX XXXX REPEATEDLY refused to come to the phone, per his assistant " XXXX ''. The cruelty of having to pay for XXXX XXXX at high rates and not having any claims rep caused endless suffering still today. 

Today, the hot water heater will be replaced for the XXXX time since superstorm XXXX. Per XXXX REQUIREMENTS, the hot water heater and it's housing should have been the first thing repaired and elevated. IT HAS NEVER HAPPENED AND INSTEAD WE ARE FORCED WITH TOTAL ECONOMIC LOSS BY CONSTANT REPAIRS AND REPLACEMENTS AND UNSAFE LIVING CONDITIONS. 

XXXX XXXX XXXX 'S CRUELTY HAS CAUSED XXXX XXXX XXXX TO HOMEOWNERS THAT IS NEVER ENDING.
Consumer complaint received 2024-04-22
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. (NY)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2023-12-21
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. (FL)

I applied for a XXXX XXXX credit card on XX/XX/XXXX XXXX XXXXXX/XX/XXXX. XXXX XXXXXXXX denied me saying " they couldn't adequately get my report because it was frozen ''. My credit was frozen at the time. I then went to unfreeze it to reapply, however, before I reapplied they already put a hard inquiry on my report. I checked my credit score to see XXXX hard inquiries one on the XXXX and one on the XXXX. I sent a letter to XXXX XXXXXXXX to have it removed over 75 days ago but I have not heard back. Please have these reports removed, thank you.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.