davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and XXXX have got into the hands of the wrong person.
Consumer complaint received 2021-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have sent several letters from XXXX without any resolution. My name appears incorrect after I have sent documentation proving who I am. My credit report shows information from XXXX  XXXX and XXXX that has not been verified to be accurate. My credit report from all three credit bureaus should be wiped clean due to all of the inaccuracies. I have several inquiries that are incorrect as well. 

XXXX Transunion XXXX XXXX have not done there due diligence in protecting my credit report. When I question false documentation they do not rectify their mistakes.
Consumer complaint received 2021-12-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (GA)

On XX/XX/21, I received an email from my credit monitoring service. It informed me that my credit score had dropped over XXXX points. I logged on and found that AFNI , Inc. had illegally posted a collection account and the original creditor was XXXX. I have never heard of nor had an account with either of this company. My report shows that it is an open account and was opened on XX/XX/21 with a balance of {$270.00} I have no know knowledge of this company nor this debt. I have never had an account not any dealings with them. By federal law, a debt collector is supposed to make contact with a supposed debtor and give them 30 days to validate or dispute. I never receive a letter in the mail that gave me 30 days to validate or dispute this account. I never received a letter stating that I have an alleged debt with this company and owe a balance on that account. Again, I have absolutely no knowledge of this account with them. I understand that, under the FDCPA guidelines for collection agencies or me to go further with this account, I need ( 1 ) proof that they are the original holder of this debt and can legally hold me responsible for paying this debt and ( 2 ) contractual proof of obligation or an assignment SIGNED from an officer from the original creditors corporation that I am supposed to pay them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right to request validation of this alleged debt they say I owe. If I would have gotten anything in the mail or phone call from this company before they illegally reported to my credit report, I would have respectfully requested evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay them this debt. Upon them receiving my validation letter, they would have to legally cease from collection calls, letters, and efforts and delete the account from my credit files until they can validate this debt. But again, I never received such a letter about this account or phone call ever in the mail. They have illegally posted and reported to my credit file without adhering to the FDCPA laws. Im not sure if this a scam or someone is attempting to hack my credit file or not. What I do know is that this company has broken FCRA and FDCPA laws but reporting a false account to my credit report without informing me through mail, email, phone, etc. My credit score has dropped tremendously in the middle of purchasing a home. Please help me get his account removed immediately. I'm preparing to sue under the FCRA and FDCPA because of the damages to my credit and opportunity costs with the purchase of my home and business ventures that have to be delayed until this illegal account is removed. AFNI , Inc. XXXXXXXX XXXX XXXXXXXX XXXX, IL XXXX ( XXXX ) XXXX
Consumer complaint received 2021-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (NJ)

I opened this account because I received their promotion email claiming that I can get {$500.00} bonus after saving {$15000.00} for 90 days, however, I didn't receive any bonus at all after qualifying their terms and after more than 6 months, and their response is this promotion is not addressed to me. How possible this is not addressed to me, it is my email associated with their bank.
Consumer complaint received 2023-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Block, Inc. (NJ)

Hello, my cash app account was closed and I havent done anything to violate the terms of service and policy. I have reached out to cash app multiple times in order to have this issue resolved and get unbanned however I have been unsuccessful.
Consumer complaint received 2024-03-10
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. (PA)

Upon previous submission for previous complaint illegally reported information was requested to be removed from my credit report. Upon request a few requested items where remove upon illegally being reported. However due to the illegally reported items being on my report and the right to opt out XXXX XXXX XXXXXXXX not being honored and allowing companies to take a peak at my credit report while the illegally reporting items where reporting I suffered a great deal. I request that {$1000.00} be compensation for each individual inquire that was removed as well as negative impacting Items that were removed. I believe I should be compensated for punitive damages it is because of the illegally reported items that for several years I was unable up obtain a car, purchase a house, get the a credit card approval, a loan or rental stay
Consumer complaint received 2022-05-24
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PRIMARY RESIDENTIAL MORTGAGE (NY)

THIS IS THE SECOND TIME THAT I AM REPORTING THAT THIS DEBT COLLECTOR IS ADVERTISING TO COERCE PAYMENT OF DEBT WHICH IS ILLEGAL. THE AMOUNT OF ALLEGED DEBT IS IN A POSITIVE STATE. THIS WAS A CONSUMER CREDIT TRANSACTION AND NO FINANCE CHARGES WAS INVOLVED. THEIR LETTER DOES NOT DISCLOSE THAT THEY ARE A DEBT COLLECTOR. THEY CLOSED THIS ACCOUNT ON MY CREDIT REPORTS AS WELL ADMITTING THEIR ERROR.
Consumer complaint received 2021-12-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have sent letters to XXXX and Transunion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. XXXX XXXX is the company that is reporting this to XXXX and Transunion. As well as XXXX XXXX is also reporting falsely. They removed it on XXXX but they were not able to remove it on XXXX and TransUnion. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 


However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Consumer complaint received 2020-09-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneyLion Inc. (CA)

I paid off my plus loan and the bank owe me {$200.00} they paid me {$300.00}. 
The amount of the loan was {$1000.00} the installment payment was XXXX. Each month I was to pay it on the XXXX of each month in XXXX I paid {$250.00} which they did not credit it to tbe account correctly as of yet i have not received the refund I got an email on XX/XX/XXXX stating i was approved for my refund it would take 3 to 5 business day to post it gas not post as of. 
I'm-XXXX XXXX XXXX  XXXX  Paid off XX/XX/2020 XX/XX/2020
Consumer complaint received 2021-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I contacted Equifax roughly around the beginning ofXX/XX/XXXX through their online dispute resolution center regarding a tradeline they indicate as still open even though the tradeline has been closed sinceXX/XX/XXXX. I performed a dispute of the tradeline XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX, LA, XXXX, XXXX ( XXXX ) XXXX ). The dispute response was : " ACCOUNT HAS NOT BEEN CLOSED. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *Additional Information *Credit Limit *Scheduled Payment. I contacted XXXX, and they confirm that the tradline has been closed. The updated information for the tradline Equifax provided also shows both the date of last payment and the data of closure as XX/XX/XXXX ( XX/XX/XXXX ).
Consumer complaint received 2021-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TX)

I closed a credit card with Citibank on XX/XX/XXXX. The choice of this date was purposeful, as the membership fee the prior year ( XXXX ) was charged on XX/XX/XXXX ( screenshot attached to this complaint ). I wanted to end the account before the next annual charge. Note that the membership fees are prepaid for the year following the charge, as can be seen by the description of the charge " MEMBERSHIP FEE XX/XX/XXXX'' charged in XX/XX/XXXX, thus on the day I closed, I did not owe Citibank anything XXXX 

I closed the card via phone on XX/XX/XXXX, and was assured by the representative that I would not be charged an annual fee. Citibank sent an email confirming cancellation on XX/XX/XXXX ( attached to this complaint ). Furthermore, at the time of closure, my balance was XXXX and there was no membership fee charged ( I have a screenshot to this effect, as I suspected this would be an issue, given their prior customer treatment ). 

The following day, on XX/XX/XXXX, I was charged a {$95.00} annual membership fee ( which they backdated to XX/XX/XXXX, I have a screenshot showing no charges on that date prior ), despite the account being closed, and despite being assured that I wouldn't be charged. 

I called Citibank back on XX/XX/XXXX, and was told that I would be given a credit on my account to offset the charge. Several weeks later, as of XX/XX/XXXX, I have received no credit to my account, and will be forced to make a payment or have a derogatory mark on my credit report for missed payment. 

On XX/XX/XXXX, I called citibank, and was on hold for XXXX minutes, then a representative hung up on me. I am continuing to get in contact with them, but can not get a hold of anyone who will help me. The representatives can not or will not do anything to help.
Consumer complaint received 2023-02-06
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: Experian Information Solutions Inc. (NJ)

Dear Experian, I am writing to request the removal of a late payment from my credit report. The account in question is XXXX XXXX XXXX  XXXX I have recently become aware that this account has been reported to your agency in violation of the Metro 2 credit reporting guidelines. Specifically, the account was reported with a late payment status, despite the fact that the payment was made within the grace period as per the R28 code.
Consumer complaint received 2021-12-13
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: Experian Information Solutions Inc. (NJ)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2021-12-13
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. (NJ)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2020-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc (IA)

XXXX/XXXX/2020 - I used cash app to purchase a {$300.00} item by unknown seller. I was told once payment was received that I would get tracking details immediately. That has never happened from the seller/scammer I instantly requested refund through cash app and the only way thats approved is through the seller. I got scammed so that person isnt going to approve refund request. XXXX XXXX wont do anything about this transaction either. I couldnt do anything about the charge while it was pending, during that time I had seller/scammer blocked. Yet she still received the funds once transaction settled. I then filed dispute through my debit/credit card company. Which on XXXX/XXXX/2020 I get the decision my claim was denied. Those are my funds I never received anything in return I want to report both XXXX XXXX and chime visa debit/credit card.
Consumer complaint received 2020-09-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Consumer complaint received 2021-12-13
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: Santander Consumer USA Holdings Inc. (FL)

I have been a customer with Santander XXXX for about two years. Ive always known they were problematic with there methods. Theyve been sued countless times. My issue with them is the way I was treated throughout the loan. I changed the car with XXXX XXXX XXXX who I also submitted complaints about. XXXX XXXX was in charge of letting Santander know of the change and pay off. I submitted a contract to XXXX, XXXX, XXXX in order to prove such occurrence. I even uploaded it online to Santander XXXX and they were aware. Knowing all of this no one was willing to help me as a victim of fraudulent business. This occurrence was through no fault of my own or due to my inability to pay. I attempted to negotiate with them regarding the credit reporting aspect of it with XXXX XXXXXXXX XXXX. They were still unwilling to negotiate, I was forced to pay with out correcting or risk repossession. My credit got held XXXX. About a year later the pandemic happened and I let them know I was undergoing financial distress. Again with no sort of assistance. I had to pay again with no correction or statements added to my credit reporting. The dates that must be changed are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The account was paid in full and I was told by a representative that I may be able to change the report when I made the full payment. It has not happened and I called later in order get that matter looked at and still my issue was not resolved. My time with Santander XXXX has been about paying them and holding my report XXXX just so they get there money.
Consumer complaint received 2020-09-16
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: EQUIFAX, INC. (IL)

Inaccurate accounts on my credit report XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX  - {$490.00} XXXX XXXX XXXX {$540.00}
Consumer complaint received 2023-06-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (CA)

My account with CashApp was closed by CashApp for allegedly violating terms of service. However when Ive asked to specify which term of service was violated Cash App stated that they could not and will not tell me. I further asked to appeal this decision and so far Ive been given the run around about a email that will sent to further pursue an appeal, however, no email has been received. Ive called and chat with CashApp to no avail. They are currently holding {$600.00} XXXX if you will.
Consumer complaint received 2021-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank (IL)

On XX/XX/XXXX of 2021 in good faith I made my payment to XXXX XXXX credit card for the amount of {$40.00} I have use the same bank account for the past year on this particular time there say is they did or verify my account I good faith on XX/XX/XXXX of 2021 I made a payment of {$80.00} I was told the information will not go on my credit report XX/XX/2021 it was showing on my credit report I have ask the credit company to send me a copy of y my payment did not go thru they said no they are not sending me no letter as a consumer I have a right for a copy
Consumer complaint received 2023-06-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (NY)

XXXX XXXX of XXXX XXXX sought me out on XXXX XXXX poses as a health coach who could help alleviate my XXXX I have XXXX XXXX. I know people target us for scams. I was skeptical at first but after a week of texting I thought I would give his supplements a try. I have screenshots of the conversation. I did not order through the website. I agree to send {$50.00} for product with {$10.00} shipping totaling {$60.00} that I cash app paid around XX/XX/XXXX. I chose cash app because they advertised to be against fraud. I usually use XXXX. I waited a week and asked if there was tracking. XXXX told me I had to pay another {$50.00} for fragile insurance. I sent a photo of the usps insurance and told him I dont understand why he didnt mention that a week ago when I ordered and I asked him to refund my money because Im XXXX and I cant afford it. He denied me and at that moment I knew I was being scammed. I attempted to call cash app and didnt get very far. XXXX I called my XXXX XXXX  and put in an investigation reversal claim. The money was back in my account XX/XX/XXXX. I was told hold on to proof because they will need it to come to a resolution. Just last week I noticed the {$60.00} that was reversed back to my account was given back to XXXX XXXX. I called cash app 3 times. They said a manger would email me and they never did. It was a very difficult and impossible process to be listened to. I asked cash  app and XXXX how they can conduct an investigation without speaking to me or notifying me. XXXX told after the fact I had lost the money again the third party cash app was responsible. So XXXX lied and cash app never contacted me. They investigated from XXXX XXXX XXXX without any notification. Because it was completed nobody would do anything to assist me with flagging the scammer. He received no penalization for stealing my money. I never received my product and he asked for more money via whats app. I went through the steps and cash app sided with the scammer. Since then I request the money back from XXXX by begging. I feel like he is scamming other people out of money. His website is XXXX I reported him on XXXX and the government scam fraud website along with cash app. I kept searching for other ways to stop the o justice and I found this claim center listed under XXXX XXXX. I have yet to place a police report but I plan to. I have proof and cash app wouldnt assist me. Their XXXX XXXX is very limited. Allowing fraudulent scammer like this person to flourish.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I can not even file a dispute online with Trans Union they wont allow me I dont know whats going on and I dont appreciate that first XXXX keeps refreshing a fresh charger on my account reported in XX/XX/2024, this account is XXXX XXXX XXXX, they should not be reporting on this account I have disputed this numerous of times and complaining about it to you numerous of times