davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-03
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. (NY)

In order to REMIND the Experian and XXXX Credit Bureaus that there has been no involvement from a third party, I am emailing them this complaint. My private or sensitive information can not be used by them to legally contact third parties for any reason. Fraud is defined as the absence of consent. The false information listed below is affecting my ability to build credit. I demand that Experian and XXXX BUREAUS MUST DO THEIR JOB PROPERLY and immediate removal of these fraudulent items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-03
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: United Shore Financial Services, LLC (LA)

I made timely monthly payment in XXXX and XX/XX/XXXX as I have from the start, XX/XX/XXXX, yet this company find the need to send me DEFAULT Letter today after I filed complaint last week and as they hold in ( unapplied ) approx XXXX in payment I sent to them.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (TX)

No one is above the law. 
Any debt collectors have to obey the law, no matter how rich or powerful you are I want 100 % accuracies.

Permissible purposes, its there to protect consumers privacy. This company has not received and written consent from me the consumer or an order from the court to report this alleged debt. The law states anything that has been issued by the government and its related to me is my identity, such as ssn, address dob. I decide what can be reported or not. 
Therefore who transferred my information to a different company its illegal.
Consumer complaint received 2023-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

See the documents attached. 

I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.
Consumer complaint received 2023-10-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I set up a payment from Huntington online bill pay to XXXX XXXX credit card for {$76.00}. It was removed from my checking account and sent on XX/XX/2023 to be delivered by XX/XX/2023 as guaranteed. The payment due date was XX/XX/2023. When I received my credit card statement the following month with a due date of XX/XX/2023 for a late fee and interest charged of {$29.00} I called both Huntington and XXXX XXXX credit card immediately. XXXX XXXX told me the payment didnt arrive until after XX/XX/2023, the closing date of the next statement. Huntington told me they had no control over the mail but they guarantee the the payment will arrive on time if made by XX/XX/2023. This credit card payment always took 5-7 days and informed me each time that I set up payments. I spoke to XXXX and supervisor, XXXX. The supervisor refused to work with me. They would not reimburse me for the late fee and interest charges. I also called XXXX XXXX and they refused to refund the late fees and interest charges. Since neither one would work with me I quit using the credit card and paid the fee and interest charged by phone by the due date in XXXX.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On the XXXX of XX/XX/2023 I sent all three major credit bureaus letters asking them to verify my debt on my report. XXXX and XXXX answered immediately and prompt, Transunion on the other hand actually sent a letter on XXXX of XX/XX/2023 stating that they had no file on me that I would have to send all this information to them so they could identify me. I called the next day and confirmed my identity to them and in fact they did have a file on me and they would send out the verification and credit report immediately. So now TransUnion XXXX and XXXX have sent back copies of my credit report and have also stated in writing that everything is verified correctly. 
As of right now my credit report id showing inaccuracies. 15 USC 1681 S-2 ( A ) ( 1 ) states that a person shall not furnish and information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-03
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. (FL)

The inquiries on reports are not mine Ive called all credit agencies and companies however nothing has been fix I would like all inquiries removed as well as late payments that are not accurate bankruptcy thats on one and not the other therefore the reports are inaccurate XXXX inquiries on XXXX A bankruptcy on XXXX and Experian that needs to be removed as well as fingerhut on XXXX reporting late on the other accounts no late payments.
Consumer complaint received 2023-10-03
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. (CA)

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 need to be investigated and corrected for 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
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (TX)

The fair credit reporting act 15 USC 1681 section 602 a says there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness impartiality, and I respect for the consumers right to privacy. I have the right to make sure my private information isnt shared which is proven in 15 USC 6801 which states, '' it is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its consumers and to protect the security and confidentialities of those consumers non-public personal information. ( furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that in general subject to subjection ( c ), any consumer reporting agency may furnish a consumer report on the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ( Furnisher of information to credit agencies ) the financial institution and consumer reporting agencies XXXX and XXXX do NOT have my consent to furnish this information and they surely do NOT have my written consent. Any and all consent to XXXX, XXXX, ( furnisher of information to credit agencies ) be verbal, nonverbal, written, implied or otherwise is revoked. 15 USC 6802 ( a ) ( b ) states that a financial institution may not disclose nonpublic personal information to a nonaffiliated third-party unless-the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( furnisher of information to credit agencies ) hes never informed me of my right to exercise my nondisclosure option. In addition, 15 USC 16 81C ( a ) ( b ) except as authorized under ( b ), 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 with auntie dates to report by more than seven years. These accounts were an adverse items they are reporting again without my permission which is against the law 15 USC 1681 s2 ( A ) ( 1 ) A states 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 in accurate. 15 US code 1681e states " every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681C of this title in to limit the furnishings of consumer reports to the purposes listed under section 1681b of this title. Also 12 CFR code 1016.7 says '' A consumer may exercise the right to opt out at any time. " I am opting out of your reporting services. ''
Consumer complaint received 2023-01-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (OK)

I initiated a CashApp transaction XX/XX/XXXX of {$40.00}. This was debited from my bank account balance the same day. 

An XXXX hold transaction for {$40.00} was initiated by CashApp XX/XX/XXXX. 

The funds were sequestered and were paid to CashApp. 

I reported the incident to my banking institution. They investigated and found the transaction on XX/XX/XXXX was not authorized. They credited my account for the {$40.00}. I moved the funds to my CashApp card for holding. 

I made an XXXX purchase with my CashApp card for {$10.00}. My balance left was {$29.00}. 

The funds were removed arbitrarily and have no transaction data to show where it went. 

I reported to CashApp both telephonically and via the app. 

The telephone customer service advocate hung up on me abruptly during responding to my call, the in-app XXXX arbitrarily stated that the card transaction was declined and the XXXX debit was initiated and ended the transmission, a second in-app XXXX mirrored the same as the first XXXX 

I explained I was holding the {$40.00} that was recovered successfully by my banking institution on CashApp and it was now gone. I attempted to report fraud to CashApp for this. My reports were rejected and conversations disconnected and/or ended without the financial institution initiating a claim or assistance with filing a claim to recover my money.
Consumer complaint received 2023-09-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (KY)

On XX/XX/2023 I filed an application with Aidvantage on their website for the SAVE plan. Aside from a pop-up on the website, I never received confirmation of the application in email or letter. Further, even after submitting the application on Aidvantage, their dashboard still asks me to apply for an income-based repayment plan. To-date, XX/XX/2023 I still have not received confirmation of that application. 
I called Aidvantage on XXXX XXXX XXXX XXXX to confirm whether they had received my application. Both times I was told they had no record of it, but to wait and see. 
On XX/XX/2023, I filed a second application with studentaid.gov for the SAVE plan. I received email confirmation of my application the same day. On my studentaid.gov dashboard, I have confirmation that I applied for a SAVE plan with a repayment of {$500.00}. 
On XX/XX/2023, I received an email from Aidvantage confirming my application from StudentLoans.gov had arrived. The email stated that they received an electronic application for an " Income-Driven Repayment ( IDR ) '' plan. I don't know why Aidvantage had an IDR application or why it called Studentaid.gov " StudentLoans.gov ''. The body of the email indicated Studentaid.gov. 
On XX/XX/2023, I received an email from Aidvantage that my " IDR plan '' was approved for {$750.00}. I reviewed the document on Aidvantage 's website which also confirmed I was enrolled in the IDR plan. The same day, I called Aidvantage. I was on hold for about XXXX minutes before a customer service representative answered. The CSR indicated I had been processed erroneously for an IDR plan, that I was eligible for the SAVE plan, and the only option was for me to re-apply for the SAVE plan. She confirmed an estimated monthly payment of {$500.00}. She processed my now third application over the phone, and told me it would be 15 business days before it would be finalized. 
To be clear, on Studentaid.gov, my application states I applied for the SAVE repayment plan.

When I asked why my application was processed incorrectly, the CSR could not tell me. They had no information on my file about why it was processed incorrectly. She said it's usually a system issue.

This issue is still not resolved. My repayment allegedly restarts on XX/XX/2023.
Consumer complaint received 2024-04-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

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 2023-04-27
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. (NH)

I,, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXXXXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-12-20
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I SUBMITTED THIS COMPLAINT ( XXXX ) OVER A MONTH AGO AND XXXX XXXX FAILED AGAIN TO PROVIDE ME THE VALIDATION AND VERIFICATION I ASKED FOR ( SEE ATTACHED ). I HAVE ATTACHED WHAT THEY SENT ME AND IT ADDS UP TO JUST A BUNCH OF BILLS. SOME DO NOT EVEN HAVE MY NAME ON THEM. THEREFORE THEY ARE IN VIOLATION OF THE FCRA. I NEED INFORMATION I CAN RESEARCH IN ORDER TO VALIDATE THIS DEBT AND FOR THE SECOND TIME THEY HAVE NOT PROVIDED ME THE INFORMATION I NEED. IF THEY DO NOT HAVE THIS INFORMATION THEY ARE REQUIRED BY LAW TO REMOVE THIS INFORMATION FROM MY CREDIT REPORT.
Consumer complaint received 2023-01-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (FL)

On XX/XX/2023, I used Cash App to send a friend {$25.00}. Unbeknownst to me, the person deactivated his Cash App account. I contacted Cash App after I could not cancel or ask for a refund. When I contacted Cash App, I was advised that " CASH APP is unable to cancel or refund the completed payments. I was told if I wanted to recover my funds, please have the recipient reach out to us via their app. '' The person reached out to CASH APP Customer Support via the app as instructed to do so. However, the funds are not showing in their balance and Cash App said he could send the funds to the sender ( me ) when the account is active. 

So, if the account is deactivated, how were the funds accepted and supposedly received?
Consumer complaint received 2023-09-12
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. (VA)

I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.
Consumer complaint received 2021-12-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revco Management, LLC (FL)

Charged for unspecified services. Attempted to contact company in writing three times to dispute the charge and ask for an explanation. No response to my letter. Taken to collections after 3 months. No attempt to contact me about the debt.
Consumer complaint received 2023-04-20
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. (TX)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX have 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 an account without my written instructions.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I hope this complaint finds you well. I am writing to bring to your attention a matter of utmost importance regarding my personal information on record with your organization. I have recently discovered an erroneous address listed under my name, and I believe it to be the result of identity theft or a data entry error. 

The incorrect address in question is : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX I want to make it abundantly clear that this address does not belong to me, nor have I ever resided at this location. My only legitimate address is : XXXX XXXX XXXX XXXX, GA XXXX I am deeply concerned about this discrepancy and its potential implications. I suspect that my personal information may have been compromised, leading to this unauthorized address appearing in your records. To protect my identity and prevent any further issues, I kindly request that you investigate this matter promptly and take the necessary steps to remove the incorrect address XXXX XXXX XXXX XXXX , XXXX XXXX, GA XXXX from your records. 

Furthermore, I would appreciate it if you could provide me with any information or assistance regarding the source of this discrepancy and any actions taken to rectify it. My primary goal is to ensure the accuracy of my personal information and prevent any future instances of identity theft. 

Please treat this matter with the utmost urgency, and I kindly request your prompt response to confirm the removal of the incorrect address from your records I appreciate your immediate attention to this matter and thank you for your assistance in resolving this issue. I trust that your organization will take the necessary steps to safeguard my personal information and prevent any further unauthorized changes to my records.
Consumer complaint received 2023-11-12
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. (IL)

In accordance with the Fair Credit Repprting act. The List of accounts below has violated my tederally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681 c. ( 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 2023-10-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of XXXX.
Consumer complaint received 2018-05-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (GA)

XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.