davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Plastiq Inc. (FL)

I used the company XXXX to make a payment to my golf club, XXXX XXXX XXXX XXXX. I made the payment using a credit card in the amount of XXXX and a transaction fee of {$170.00} for payment due on XX/XX/XXXX. It was an additional charge to make the payment for next day!!!! 

But, the payment to my golf club was not received until XX/XX/XXXX!!! And my golf club says that my payment was late and therefore as a result I was penalized. 

I want my fee paid to this company returned and the company fined!!! Imagine if the company did this every time XXXX times and how much the company would make by forwarding the payment two days later than promised!!!! 

I have proof of the payment and date of promised delivery of the XXXX of XXXX.
Consumer complaint received 2023-11-09
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. (CO)

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 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

There are some accounts that are reporting with redacted account numbers, I don't recognize these accounts, I called the creditors to ask for signed applications so that I could see, I suspect someone stole my identity, the accounts are as follows : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Also a long list of inquiries made without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never authorized any of those inquiries.
Consumer complaint received 2022-12-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (NM)

Since, XX/XX/2022, RESURGENCE CAPITAL SERVICES has tried to contact me in regards to an alleged debt that they purchased from an alleged original creditor for {$830.00}. In the first 5 days of contacting me, they did not provide proper evidence in sending me a confirmation of the contents pursuant to 15 usc 1692g ( a ). Prior to communication they did not receive written permission to contact me. I have received at least 3 emails, every week from this entity. So far I sent them a letter to dispute the alleged debt demanding they validate the debt within 30 days of receiving my letter.. They received the letter on or about XX/XX/2022. After receiving my letter to dispute, RESURGENCE CAPITAL SERVICES is still attempting to collect via consumer report. I am documenting each individual action taken by the debt collector. I have been harassed and threatened to be sued for months.
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # 's, XXXX # XXXX, XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX 15 U.S.C 1681 section 604 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.
Consumer complaint received 2023-05-22
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. (VA)

I have disputed with the agency multiple times most recently XX/XX/XXXX  regarding a Bankruptcy that has been reported to ask for it to be removed due to a letter received from the courts they do not report to the agencies. However, they have responded with this information remains but do not supply how they received the information or who provided it. Attached is a letter sent to the courts by me and their response. I am seeking this to be removed immediately as it is fraudulent that they are reporting it.
Consumer complaint received 2022-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (CA)

I opened a Chime checking account about 2 years ago and have been having my paychecks deposited there and moving them into my Chime savings account since. I transfer money into my checking as needed so I dont overspend, so it had a {$0.00} balance and {$760.00} was in my savings account. On XX/XX/22 around XXXX I received a notification on my phone that thanked me for making a deposit into my checking account that I never made. Within a minute, I got a notification and email from Chime support letting me know that my account had been closed. I immediately responded to the email asking why, and what would be done about the {$760.00} I had in my account before it was closed. Within the hour, support had emailed me back and let me know that they closed my account due to not being in compliance with Chimes internal policies and I am ineligible for my money back. I responded immediately again asking for clarification on what that meant and why I was ineligible for my money back. I was then told that someone would reach out to me by email within 2-3 days, and that if I kept reaching out it could delay my response. I called their support number but it is an automated machine that only gives you their email address. Then I called XXXX XXXX, the bank Chime partners with and explained the situation. They also told me they have nothing to do with Chime and I would have to reach out to them for any help. I never heard back from Chime support. So it appears theyve randomly decided to close my account and keep my money.
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is not duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/2022. It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (OH)

I was able to go into my experian and XXXX credit report when I first signed up less than 30 days ago. Now when I attempt to log in i keep getting an error message that my info is incorrect, which I know could not be correct because I saved my log in to my pc. After calling several numbers ( because Im locked out now ) I finally got someone on the phone that said they dont know what the problem is and could not help me. They told me to call me and hung up on me.
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Atlanticus Services Corporation (MA)

Request made twice pursuant to FDCPA that Fortiva immediately cease and desist all oral and written with me that includes my credit report, family and friends. First request made XX/XX/XXXX, second request XX/XX/XXXX both requests were mailed via certified mail. Fortiva continues to ignore FDCPA regulations, I have tried to settle this issue with fortiva. XXXX  financed a voicing security system in XXXX, that system failed my home burglarized twice. Have police reports, also insurance claim from home insurance. XXXX refuses to acknowledge bad business practices of XXXX  and their faulty equipment. Equipment returned breach of contract by XXXX  and fortiva
Consumer complaint received 2023-06-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TX)

Hi, I Didn't not realize that someone else has stolen my identity until a few weeks ago when I keep getting alerts on my XXXX XXXX account. I then proceeded to check into my credit report and seen that someone has been using my identity and started opening accounts under my name. I have all ready made a report with Experian. About this identity fraud. 

Thank You, XXXX XXXX
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

I received a letter stating I allegedly owed a debt of {$2000.00} from Fair Collections & Outsourcing INC. I requested competent information, regarding their authority to collect debt in my state and if they are licensed and have proof of insurance. I also request a signed contract/agreement between us that provided me consideration for their claim to be enforceable.I sent certified mail on XX/XX/XXXXXXXX XXXX XXXX, XX/XX/2024 and XX/XX/XXXX. I have received no valid response pertaining to the information I requested. I also sent an invoice for {$15000.00} because they have violated my federally protected consumer rights on multiple occasions and also they are attempting to conduct identity theft according to FL statues XXXX.
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

According to the law 15 U.S. Code 1681 b - Permissible purpose of consumer reports, A consumer reporting agency can not furnish a account without my written instructions is considered Indentity theft. 15 U.S.C 1681 section 602 A. States I have the right to privacy. I received a copy of my credit report and found the following items to be INACCURATE and has violated my rights XXXX : XXXX XXXX Account number XXXX XXXX XXXX XXXX : Capital one Account number XXXX XXXX : XXXX XXXX  Account number XXXX XXXX : XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX : XXXX XXXX  Account number XXXX XXXX XXXX : XXXX XXXX Account number XXXX XXXX : XXXX XXXX Account number XXXX XXXX : XXXX Account number XXXX XXXX : XXXX XXXX XXXX, XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX : XXXX XXXXXXXX Account number XXXX
Consumer complaint received 2023-11-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: TD BANK US HOLDING COMPANY (NY)

I did not received the most recent billing statement to pay the monthly mortgage. The bank terminating my banking relationship and also terminated my online access to view the mortgage. The mortgage is not in default, but the bank is creating a hardship and unduly burdensome conditions in violation of : 1. Equal Credit Opportunity Act ( ECOA ) : ECOA prohibits lenders from discriminating against borrowers on the basis of race, color, religion, national origin, sex, marital status, age, or other protected characteristics. Denying loan payment access based on these factors could be considered a violation. 

2. Fair Lending Laws : Various fair lending laws at both federal and state levels prohibit discriminatory lending practices, including actions that unfairly target certain borrowers based on protected characteristics.

3. Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) : The Consumer Financial Protection Bureau ( CFPB ) may investigate and take action against financial institutions engaging in unfair, deceptive, or abusive acts or practices. 

4. Contractual Violations : If the denial of loan payment access goes against the terms and conditions outlined in the loan agreement, it may constitute a breach of contract.

5. State Consumer Protection Laws : State-specific consumer protection laws can also come into play and vary depending on your location.
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, 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. (LA)

XXXX XXXX XXXX  : XX/XX/XXXX, XX/XX/XXXX the company I called and spoke with the XXXX and stated to him that their company ran my credit without my consent and I have plenty of inquired from their company as if I were trying to obtain credit and he stated he will not correct the issue that I need to contact the credit reporting bureaus. 

XXXX XXXX, XXXX XXXX XXXX XXXX, and on XX/XX/XXXX : I contact the companies and I let the sale managers know there are plenty of unauthorized inquiries on my credit report and the sales XXXX stated I have to call the credit reporting bureaus to have them remove the inquiries. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I contacted these XXXX companies by mail and they stated the inquiries are accurate after I stated to them they were fraudulent and unauthorized inquiries made. They replied and stated to contact credit reporting bureaus and add them to add a fraud alert.
Consumer complaint received 2023-09-27
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. (LA)

Delete all hard inquiries : How you delete everything on your credit report statement : ( collections ) They also violated my rights under 15 U.S.C. 1681 Section 604 A Section 2. The law clearly states the credit bears have 5 ] days to notify me from when they receive my disputes.

They also violated my rights under 5 USC 1681 Section 611 ( 6 ) ( a ) ( i ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting hall prompts delete the information from the file of the consumer. The credit Bureaus never did a preparer investigation according to the FCRA. 
The term investigate consumer report means a consumer report or portion thereof in which information on a consumer 's character general reputation personal characteristics or mode of living is obtained through personal interview with neighbor 's friends, or associates of the consumer reported on or whom he is acquainted or who he may have knowledge concerning such items of information. 
They did not do this. 

XXXX XXXX  Balance updated {$37000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX  Important dates Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX  Important dates Inquiry date XX/XX/XXXX Removal date XXXX XXXXXXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Delete ALL
Consumer complaint received 2023-09-27
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. (LA)

Delete all hard inquiries : How you delete everything on your credit report statement : ( collections ) They also violated my rights under 15 U.S.C. 1681 Section 604 A Section 2. The law clearly states the credit bears have 5 ] days to notify me from when they receive my disputes.

They also violated my rights under 5 USC 1681 Section 611 ( 6 ) ( a ) ( i ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting hall prompts delete the information from the file of the consumer. The credit Bureaus never did a preparer investigation according to the FCRA. 
The term investigate consumer report means a consumer report or portion thereof in which information on a consumer 's character general reputation personal characteristics or mode of living is obtained through personal interview with neighbor 's friends, or associates of the consumer reported on or whom he is acquainted or who he may have knowledge concerning such items of information. 
They did not do this. 

XXXX XXXX  Balance updated {$37000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Delete ALL
Consumer complaint received 2023-03-12
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. (FL)

15 USC 1681 section 602 states I hav the right to privacy.

USC 1681 Section 604A, Section 2 It is also States, a consumer credit reporting agency cant furnish an account without my without my written authorization and instructions.
Consumer complaint received 2021-10-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Block, Inc. (CA)

On XX/XX/2021, I applied the {$100.00} of $ XXXX boost on a XXXX order. However, on XX/XX/2021 morning, I received notification from XXXX that the order has been cancelled. I contacted XXXX and was informed that the order was cancelled since they were not able to verify the payment with the card issuer, which is CashApp. I was informed that the money was never taken out from my account as if the transaction/order has never happened. XXXX informed me that it was the bank that declined the transaction. I tried to locate the transaction in the transaction history tab but could not find anything. 

Since the order did not go through, I would like to use the {$100.00} off XXXX elsewhere. However, I could not locate the XXXX anywhere in the App. I would like to request to add the XXXX back to my account so I could use it. I am asking to have the XXXX applied to my account so I can add it to my card, since I have met the condition of unlocking the XXXX. Im eligible to use it, and I havent used it yet. Just want to reiterate that I am not asking for a reimbursement of the XXXXXXXX, and this is not an issue about a XXXX not been correctly applied to a given transaction. All Im asking for is to add the XXXX, which I am totally eligible for and have not used yet, to my account. 

I have chatted with several customer service representatives, including XXXX and XXXX, trying to resolve the issue. However, I was given random, computer-generated replies, some of which even have nothing to do with my issue. It seems that XXXX, the agent I chatted with, does not even bother to look into my issue and just want to end the chat and dismiss me as soon as possible. After several failed attempts, I was left with no choice but to file this complaint.
Consumer complaint received 2018-06-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (DC)

XXXX, XXXX is trying to collect XXXX $ for a utility bill that belongs to the tenant that moved in my apartment unit after I vacated the premesis. I have provided written proof a lease and transfers paperwork for my new apartment. I last lived at that residence in 2010. This debt is over XXXX XXXX XXXX and is incorrectly being reported as recently 90 days delinquent. I currently have an account that is the original utility provider that has been current for the last 8 years.
Consumer complaint received 2021-10-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (GA)

A cash app transaction occurred without my knowledge, I was not aware of it until I checked by online banking account and noticed a charge. Went to the app for cash app and noticed it. I clicked on transaction and report as Freud. The transaction came back and said it would not be posted to any accounts. I waited to see if the transaction would drop off of my bank account and noticed it posted. I reached out to cash app and followed there instructions and they denied my request several times. I've attaching screenshots.