davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-26
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. (MI)

Due to covid I had been on a forebearance with XXXXXXXX XXXX. This started around XX/XX/XXXX. In XXXX of XXXX I called to get an extension of my forebearance. The rep said that it would be. I called some months later and the rep said I was not approved to be in one. They told md to contact the advocate XXXX and they ended up starting a home retention application. They told me while the home retention is pending my credit would not report negatively. I also applied for the federal money to catch up on mortgage payments called XXXX. I asked them can they wait until the funds are paid to them. They stated that this was my decision to decide. They specifically told me to contact a HUD counseling agency. They gave me one called XXXX based in XXXXXXXX XXXX  XXXX sent loan modification papers to me, and gave me until XX/XX/XXXX to have my loan modification papers back in. I decided that if they will not keep my credit report froze from negative reporting, then I was going to take the modification deal. I called them and ask they did a conference call with me and the XXXX on the phone on XX/XX/XXXX. They told me that it was to late to send them back and they closed the loan modification offer a few days ago. They did not live up to their agreement to give until XXXX XXXX to send the papers back. A few days later started reporting all the negative payments to my credit. Now my credit is destroyed and have lost out on thousands of dollars in interest savings. All I want them to do is report my credit reports accurate, according to the fair credit reporting act. They promised in writing that the offer would expire XXXX, XXXX. My credit would still be good if they lived up to what they wrote to me. They also were the ones who told me to get a HUD XXXX in the first place. Covid came and destroyed the little guy and the big mortgage company XXXX came to finish us off.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I made a request on numerous occasions for my XXXX XXXX number : XXXX be updated as paid in full and removal of all late payments!! I took it among myself to speak to XXXX myself on. XX/XX/year> at XXXX and spoke to representative XXXX from the title department on why my credit report was not showing paid in full and the balance reflected to XXXX and all negative items removed, she informed me that they did update all information and it was the three Bureaus that had not correctly updated the information I asked that they send me proof and they emailed me a letter verifying that the account is satisfied I have also submitted proof of payment.
Consumer complaint received 2022-05-26
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. (MI)

Due to covid I had been on a forebearance with XXXXXXXX XXXX This started around XX/XX/XXXX. In XXXX of XXXX I called to get an extension of my forebearance. The rep said that it would be. I called some months later and the rep said I was not approved to be in one. They told md to contact the advocate XXXX and they ended up starting a home retention application. They told me while the home retention is pending my credit would not report negatively. I also applied for the federal money to catch up on mortgage payments called XXXX. I asked them can they wait until the funds are paid to them. They stated that this was my decision to decide. They specifically told me to contact a HUD counseling agency. They gave me one called XXXX based in XXXXXXXX XXXX XXXXXXXX sent loan modification papers to me, and gave me until XX/XX/XXXX to have my loan modification papers back in. I decided that if they will not keep my credit report froze from negative reporting, then I was going to take the modification deal. I called them and ask they did a conference call with me and the XXXX on the phone on XX/XX/XXXX. They told me that it was to late to send them back and they closed the loan modification offer a few days ago. They did not live up to their agreement to give until XXXX XXXX to send the papers back. A few days later started reporting all the negative payments to my credit. Now my credit is destroyed and have lost out on thousands of dollars in interest savings. All I want them to do is report my credit reports accurate, according to the fair credit reporting act. They promised in writing that the offer would expire XXXX, XXXX. My credit would still be good if they lived up to what they wrote to me. They also were the ones who told me to get a HUD XXXX in the first place. XXXX came and destroyed the little guy and the big mortgage company XXXX came to finish us off.
Consumer complaint received 2023-09-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc. (AZ)

I created an account with Square ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) on XX/XX/XXXX and processed a credit card transaction in the amount of {$990.00} on XX/XX/XXXX. They then deactivated my account on the same day and sent me an email that they would transfer {$950.00} ( the amount in question less fees ) to my bank account on XX/XX/XXXX. As of this date, XX/XX/XXXX, they still have not transferred the funds to my account. Their phone and chat system will not connect me with a live customer service representative. I have emailed them but have received only a automated response that does not address why payment has not been sent despite passing the promised transfer date.
Consumer complaint received 2024-03-12
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: EQUIFAX, INC. (PA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-03-12
Product: Credit reporting 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: EQUIFAX, INC. (LA)

On Friday XX/XX/2024, i contacted Equifax by telephone requesting that two un-mailable addresses be removed. I was informed that the process would take anywhere form 1 hour to 48 hours. 
On Saturday XX/XX/2024, i logged into my XXXX account to purchase an updated report in order to see the status of my request. Since requesting to have those un-mailable addresses removed, my Equifax report has been missing. I have made several, long phone calls and have had different responses each time. The last time i was told that my account has been blocked because they can not identify me. I was then advised to send my Passport, License and Id copies to a po box address. When i asked for a secure address to send my Documents, i was then told another barrage of lies.
Consumer complaint received 2022-05-26
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (WA)

Macys Department store 's XXXX Department failed to issue a refund due to customer for a duplicate order made in error by their ordering department back on XX/XX/XXXX. The duplicate order consisted of 6 XXXX chairs that were sold by a third party supplier, shipped by XXXX and delivered to our residence. The total for the order was {$930.00} of which {$850.00} was the subtotal for 6 chairs, {$130.00} is the shipping fee titled " fee '' on invoice, tax was XXXX. Merchant ( Macys ) promised a full refund including taxes & fees ( shipping ) upon return/refusal of merchandise but has yet to refund the shipping charges as promised. After numerous attempts between XX/XX/XXXX and XX/XX/XXXX to resolve this issue with the merchant, on XX/XX/XXXX finally a callback was returned by a service agent following up with the case confirming that it's been successfully processed. Again on XX/XX/XXXX I spoke with a supervisor named XXXX in the XXXX  department who confirmed again the credit has been submitted manually, will take about XXXX days to post, but to date - XX/XX/XXXX the balance of {$130.00} is still showing on the account which did not reflect the promised reversal. The order number referenced is XXXX. 

It took the merchant 2 months to finally process the refund for the 6 chairs made in their error, and we are now continuously having to dispute the shipping charges after 7-8 attempts via a combination of calls and correspondence to get in touch with their ordering and credit department servicing teams hearing the same promise. It is now almost 3 months past the initiation date ; it appears that the credit department is completely disconnected from the ordering team and none of the departments within the company is taking responsibility or assisting the consumer to get this cleared. This constitutes as unfair trade and fraud by the company wrongfully charging the consumer which should be escalated to financial bureaus. I've attached all the key documentation and conversation threads that leading up to this while attempting to resolve this matter with the merchant. Please look into my case carefully and contact the company for fair resolution. Thank you for your assistance to this matter.
Consumer complaint received 2017-07-11
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. (ME)

I submitted a letter to remove a tax lien that was filed in error by the State of Maine, with supporting documentation from the State that specifically states that it should be removed. TransUnion, LLC failed to respond within 30 days. I submitted another letter stating my rights per the Fair Credit Reporting Act, and asked to be removed immediately with the same supporting documentation. All other credit reporting agencies have removed the tax lien, and TransUnion still refuses to do so.
Consumer complaint received 2024-04-03
Product: Credit 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: AMERICAN EXPRESS COMPANY (SC)

The contract we signed for timeshare points with XXXX XXXX XXXX  has been cancelled but we are still being charged for this contract with no intention of canceling the charge.
Consumer complaint received 2017-07-11
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: Alliance Collection Agencies, Inc. (WI)

XX/XX/XXXX XXXX XXXX Hospital, XXXX XXXX XXXX XXXX XXXX, WI was dispatched to my home, where I had fallen. For which the total cost is now showing on my credit report as a delinquent amount of {$3000.00}. As recent as of XX/XX/XXXX and to remain till XX/XX/XXXX. Is now in the hands of Alliance Collection Agency. I would not have known this outstanding derogatory bill was on my credit report Except I began the process of buying a home. I have had XXXX XXXX since XX/XX/XXXX. Some how XXXX, XXXX XXXX Hospital deemed me responsible for the bill, for which I explain to them XXXX would take care of it. However it did not. On XX/XX/XXXX I contacted XXXX Supervisor XXXX XXXX XXXX ( XXXX ). He advised me to talk with XXXX in billing. Both had explained to me there was no longer a balance due and XXXX explaining that XXXX ( XXXX XXXX XXXX XXXX XXXX ) who assist in medical where XXXX does not, Had taken care of the balance, according to XXXX XXXX, this mater was handled on XX/XX/XXXX. I have also spoke with the Alliance Collection Agency and it seems as though the matter is getting worse. There are two other matters on My Credit Report as well for which I have satisfied but have not yet been deleted as resolved. However I am filing complaint one at a time, this one being the largest and most difficult. I hope I have included all that is needed for this matter to receive your attention. Please Help.
Consumer complaint received 2023-09-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (VA)

On XX/XX/XXXX a Family Member was in dire straights for money. We both have Cash app ( I don't use it much ) I first tried to send {$1000.00} ( didn't realize more than the allowed ) so I sent 2 separate {$500.00} transfers to the wrong USER Id.. The correct User was XXXX When typing it in the app auto populated to $ XXXX that I didn't notice until My Family member said she didn't get the money. I called my Bank XXXX XXXX to try to stop the 2 transactions and they opened claims on my account. I requested refund from the erroneous user and they declined. I reached out to CASH APP on the Support tabs probably 10 time. I could tell it was an autobot, they were answering the same verbatim basically nothing they could do. My bank refunded me {$500.00} but for only 1 transaction. In there Investigation report, CASH APP sent that I received goods and/or services, which is not a true statement. Then they provided the User 's email ( not a good email ) and a phone number ( not sure It is the correct number, though I have left messages ) My bank will do nothing and they urged me to reach out to CASH APP because they are supposed to verify Users correct contact info. So, I did just that with an email to CASH APP Support and the email comes back as " THIS IS NOT A MONITORED EMAIL '' NO OTHER WAY TO CONTACT. I feel they owe me money back as it appears they did nothing to help with this fraud.
Consumer complaint received 2023-02-07
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT ACCOUNT UNDER AN END CONSUMER CREDIT PLAN LATE FOR ANY PURPOSE.
Consumer complaint received 2023-02-07
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: United Shore Financial Services, LLC (CA)

ACCORDING TO 15 USC 1666B AND UNDER THE FCRA THEY CAN'T REPORT LATE PAYMENTS, SO WHY IS THIS STILL REPORTING? THIS IS VERY FRUSTATING
Consumer complaint received 2019-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (WV)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX I have some issues with inaccurate date showing that doesn't belong on my report. My correct spelling and name is XXXX XXXX XXXX please remove any other version of my Legal name. It is causing issue with another XXXX in my city. Please delete the following address XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX, XXXX OH XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX. MY EMPLOYMENT IS I AM THE OWNER OF XXXX XXXX XXXX. 
There is a XXXX XXXX this account was never verified please delete, XXXX XXXX XXXX LATE PAYMENT THIS IS A ERROR PLEASE DELETE. XXXX XXXX  account that should be deleted that account was never late and had been settled already error please delete.
Consumer complaint received 2017-12-29
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: Resurgent Capital Services L.P. (GA)

I have repeatedly disputed an account from XXXX, XXXX  that is listed on my credit reports in an attempt to validate this purported debt. According to my XXXX  Credit Report, dated today, XX/XX/XXXX, XXXX XXXX is reporting that I have an account with their company (XXXXXXXX) with a balance of XXXX and a delinquency date of XX/XX/XXXX (see attachment). I have never had an account with XXXX XXXX nor do I have any account number associated with the reported account number on my credit reports. According to XXXX, XXXX, XXXX is a collection agency and should be able to provide documentation for this account, including, but not limited to;•	The Original Signed Account Agreement and Terms and Conditions. •	The Assignment and Bill of Sale for this account.   •	The Explanation of Accounting for the account balance of XXXX.  In addition, if XXXX XXXX is indeed a collection agency, they appear to be misreporting the following information on my credit reports:•	XXXX XXXX is listed as a financial services company.•	The Loan Type identified as a Factoring Company Account.•	Original Creditor is not listed.•	No Charge Off Amount is listed.•	No Date Closed is listed. This type of reporting is not aligned with Metro 2  Reporting Guidelines or XXXX XXXX XXXX  XXXX instructions, and a potential violation of the Federal Credit Reporting Act.
Consumer complaint received 2022-05-26
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: Experian Information Solutions Inc. (AL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To Whom It May Concern : This letter is a formal request to delete the inquiries listed below from my credit report. To my knowledge, I have not signed any documents authorizing the companies listed to view my credit history. With that being said the inquiries are violating the Fair Credit Reporting Act, Section 1681b ( c ) : Transaction Not Initiated by Consumer and need to be removed immediately. 

1 ) XXXX XXXX XXXX XXXX XXXX - Inquired on XX/XX/XXXX 2 ) XXXX XXXX- Inquired on XX/XX/XXXX 3 ) XXXX XXXX- Inquired on XX/XX/XXXX 4 ) XXXXXXXX XXXX XXXXXXXX - Inquired on XX/XX/XXXX 5 ) XXXX XXXX XXXX Inquired on XX/XX/XXXX 6 ) XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX When the inaccurate information has been removed I would like a copy of my credit report mailed to me. The report should include all personal information, all other inquires, and all balances updated. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2022-05-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alliance Collection Agencies, Inc. (IL)

The company Alliance Collection has attempted to collect a XXXX debt from me, that is not mines! I would NEVER consent to any outside company access to any of my personal medical information, without my authorization. This company has sent me copies of medical statements and procedures, trying to validate a debt without a signed release form. The HIPPA Privacy Rule clearly states this as a violation of my rights. 

As of today, XXXX I have sent over more than 6 certified letters to Alliance, requesting written validation and a XXXX release form. On top of that, today at XXXX Alliance had the audacity to actually call my phone, attempting to collect. Thus again ignoring my request for written replies only.
Consumer complaint received 2022-01-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (PA)

A Target credit card account was opened in my name using my address and ss #. the phone # and driver 's license number were not mine. there was a charge for {$82.00} made on the account. I reported the fraudulent account to the Target credit dept. and they closed the account..
Consumer complaint received 2019-11-24
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (SC)

On my Lowes credit card, I was inaccurately charged {$110.00} and {$78.00} interest on purchases that were returned and/or never delivered in XXXX and XXXX 2019. XXXX, an on-line supervisor, indicated on XXXX19 that the credits would be posted to my account within 1-2 billing cycles or within 60 days. The credits have not been issued.
Consumer complaint received 2022-05-26
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. (SC)

XXXX XXXX XXXX XXXX XXXX : XX/XX/2020 Amounts : {$2400.00} In accordance with the Fair Credit Reporting Act 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 2022-05-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXX XXXX XXXX XXXX Dates : XX/XX/2020 Amounts : {$2400.00} In accordance with the Fair Credit Reporting Act 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