davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-25
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. (ID)

In a dispute letter dated XX/XX/2022 to Experian I requested personal information be corrected, including : Spelling my hyphenated last name correctly; deleting eight misspelled names listed on my credit report ; deleting an incorrect address ; and deleting an incorrect telephone number. I provided a copy of my driver 's license and a utility bill showing the correct spelling of my name and correct address. Experian sent several emails to me stating that the results of processing my disputes were available online, but I was unable to access those reports I guess due to computer security. I contacted Experian on XX/XX/2022 and spoke to two representatives ( XXXX and XXXX XXXX. XXXX said he could read me the reports, and I told him that would not provide me any documentation to the results of Experian '' s processing of my disputes. I quoted the section entitled " Contacting Us '' in Experian 's Terms and Conditions : " If you dispute information and receive notice that your results are ready for viewing, but you are unable to view the results of the dispute process online, we will mail them to you. '' I asked XXXX to follow these Terms & Conditions and mail me copies of Report # XXXX and Report # XXXX and he said could not mail them to me. Then I was disconnected. I called Experian again and repeated the same information to XXXX. He said he could read me the reports, which again wouldn't not provide me documentation of the results of Experian 's dispute processing. He would not follow the Experian Terms and Conditions and mail me copies of the two reports ( # XXXX and # XXXX ).
Consumer complaint received 2024-03-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'm writing to ask for the removal of late dates on disputed items from my credit report. Despite my efforts to verify inaccuracies with the information provider, there has been no response. I request the credit bureau to update my consumer file in accordance with the FCRA, as the reported information is unverified and lacks proof. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. Please see the attachments.
Consumer complaint received 2023-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (KS)

I have been using Cash App for a while. They are trying to present themselves as a legitimate banking institution people can file their taxes through, receive government payments, and issue loans complete with an account and routing number. The issue I have is with the legitimacy they are trying to portray, they do NOT protect their customers. They have zero fraud protection. 

On XX/XX/XXXX of 2023, I was scammed out of {$45.00} dollars, and they refused to reimburse the money even with proof. On XX/XX/XXXX, I sent {$50.00} to a friend for his birthday but they locked him out of his account. So now the money is sitting in a dormant account. Cash App blames the victim when they allow people to make multiple profiles. 
To make the XXXX reasoning worse, Cash App tells customers that when they are scammed, they have to request a refund. Um, hello ... A scammer/ grifter/ conman won't just give a refund. It's insulting and frustrating. 

I know countless other people with similar stories. THEN when I file a fraud report, the woman told me it is for preventative measures and people never get their money back. I know this person uses this account so it is safe to assume they funnel money through the account. If a business wants to be considered a viable financial institution, we need tighter restrictions! Stop allowing the masses to be scammed.
Consumer complaint received 2017-11-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (NY)

XXXX XXXX the original service provider removed once i advised that this amount was not owed and i was charged for equipment that was not contractual and XXXX  acted in bad faith and did not provide the services that they alleged to be the provider of. They had removed the negative information and sold the account to a different debt collector that later transferred it to diversified.
Consumer complaint received 2023-10-16
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. (FL)

When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these itemsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting itemsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-11-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I had a flood in my house on XXXX XXXX, XXXX The insurance company sent me the check for the repairs in the amount of XXXX after my deductible on XXXX/XXXX/XXXX ( they were behind sending the check because the large demand with the fires in XXXX XXXX The insurance company sent the check to my name and the mortgage company, I called the mortgage company to arrange the endorsement of the check, they said I had to mail it, I said I wanted to take it personally even if I had to fly to XXXX to take it because I had no floors, no kitchen, no bathroom at my house and I needed to get my house back together right away. They said the only way to do it is to overnight the check and then they will send me a check, I overnight the check, I uploaded all the information they requested, then they said that my account showed to be delinquent and they could n't release my insurance check to me. I told them the account was not delinquent, they confirmed with the mortgage department that my account was current. but they still insist in keeping my money illegally, They do n't even pay me interest on my money. I am not able to put my house back together and we are not able to live at the house without the kitchen, bathroom, flooring and walls missing. this is causing an extreme hardship, we have no place to live!
Consumer complaint received 2017-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (MT)

Full honesty, I screwed up awhile ago, fell behind on payments, but over the last year was on time with every payment, and the cards are paid off in full now, and have been since XXXX and XXXX ( two separate cards ) Contacted Capital One through chat, and have a transcript of the conversation, and XXXX agent said the card could be unrestricted and it should be taken care of in a few days, checked back a couple days later, nope, and this time I 'm told they ca n't or wont, I wrote the president of the company, and explained the situation. 
Gave up dealing with them, the account is in good standing now, and has been for over a year. 

I understand I screwed up back then but I fixed it, so why am I not allowed to use the account?
Consumer complaint received 2022-05-25
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. (FL)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2019-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX is reporting to the 3 credit bureaus that I have a public record. I have no knowledge of this public record. I have disputed this debt with XXXX and the 3 credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting this account accurately. What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify it? Please provide me with the name of that individual, their company title, and the telephone number as well as copies of the documents that they used to verify that this disputed item is being reporting accurately.
Consumer complaint received 2022-05-25
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. (TX)

In accordance with the Fair Credit Reporting act 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 2019-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Dear Team, I was out of country when my 1 payment was Late and XXXX XXXX Credit card reported a Late payment on my account and closed my account without informing me. which i found out couple of weeks Later. kindly remove my Late payment reported and open the closed account. thank you
Consumer complaint received 2017-11-10
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: ENCORE CAPITAL GROUP INC. (SC)

I have NEVER Had an account with XXXX XXXX this is crazy I do not owe this company anything. I have fought this many times and it is still listed on my credit file I need help I do not owe nor ever opened up an account like this. This company is a scam
Consumer complaint received 2017-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE (WA)

I applied for a XXXX XXXX Credit Card and was denied. The letter denying my request stated, " Our records indicate that a previous credit card account that you held with Barclays Bank Delaware experienced charge-off, bankruptcy, severe delinquency or other negative performance ''. 

I did have a XXXX XXXX bankruptcy in XXXX and all creditors were paid what the court requested that I pay. Barclays states that they are still showing a balance due on my old account that was included in my bankruptcy. I explained to them that my obligations were fulfilled and that they should have no balance on any account from me. My credit reports all show NO negative standings. Barclays stated that they did not pull a credit bureau report and because they are showing that balance ( which should have been written off XXXX, they can not issue me that credit card. 

No matter what I stated to them, even stating that it has been 7 years and my credit is now excellent, they said it did not matter, because they are still showing a balance, even though they should n't. 

Can you help me with Barclays to get this account balance removed and hopefully receive a credit card from them.
Consumer complaint received 2015-12-29
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BMO Bank, N.A. (IL)

I have a complaint pending with the CFPB and the practices of BMO Harris bank regarding a home equity loan that I have with the bank. Part of the agreement was that they were to pay off credit cards and private student loans as of XXXX XXXX, 2015. To date, nothing has been paid by BMO Harris. When I ask for proof of payments, I receive no response but I am told I am responsible for the {$34000.00} that they supposedly paid off. When I attempt to contact customer service I am told that I have to speak to the branch, that they are unable to assist. I do not want to lose my home because BMO claims to have made payments that have not been made.
Consumer complaint received 2023-06-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (MD)

Cash App took {$240.00} out of my account after receiving a deposit on XX/XX/2023 When I called to rectify the situation I was told that it was for a merchant I used that they had to pay and it left my account in a negative. They claim that the error only appears on their end after I asked for proof and I asked why I can't see the error on my end in the Cash App transaction history, again they said it only shows up on their end. Furthermore, when I asked why the company did not send a text message or email about the error they said I should have gotten it the same day the {$240.00} was taken from my funds. Also, this " error '' happened between XX/XX/XXXX XXXX XXXX, 2023 They offered to send me a Spreadsheet of my transaction history I accepted. The font was XXXX and hard to decipher. I wanted to escalate to an investigation, but I had to agree first to their policy that if they find I am wrong they will close my CASH APP account. It appears that this can be a SCAM and I'm being bullied by a rigged system. If an error appears on their end the consumer should see it in their app. WHAT ARE MY RIGHTS? How do I know if they are not scamming me? How do they add virtual money to my account and I do not see it, and they don't take it right away? If my account was in the negative why did it take a few hours after a direct deposit for the money to be taken from my account? Why did it happen two months later without any notifications about a negative balance? Why do I have to agree to their policy that if I initiate an investigation and I am wrong my account will be suspended? They only see the error and say it is happening to millions of Cash App users. These are agents in other countries. I would like a refund of my {$240.00} there was no error.
Consumer complaint received 2017-11-10
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. (SC)

I have disputed SEVERAL times with Equifax and with this company reporting 33 items on my credit file which are as follows 29 ITEMS ALL LISTED THROUGH XXXX XXXX ALL FOR XXXX 4 ITEMS ALL LISTED THROUGH XXXX XXXX FOR {$150.00} I DO NOT OWE THIS COMPANY ANYTHING. I NEED HELP
Consumer complaint received 2024-03-11
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. (GA)

Transunion is continuing to report false information and unverified information on my consumer report. According to the FDCPA and the FCRA ALL INFORMATION IS SUPPOSED TO BE FAIR AND ACCURATE. They have violated my rights under USC 1681 b and 15 USC 1666b and others as well.
Consumer complaint received 2017-12-28
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: VW Credit, Inc (NC)

This company claimed i signed paperwork as a joint acct.. and i didn't..they took my signature and ran me as the primary because my income was greater,, i was told they would only use my income to help applicant get loan and my info would only be used for identification purposes for income and in would no way be on the loan.. When loan was finalized they had use my signature as the primary applicant and would n't remove me, ,would n't send me a contract of where i signed as a primary and now have my in credit bureau for a repo .... If you look at paperwork you will see i never signed the primary or joint applicant part of the loan .... 

Creditor Information VW CREDIT XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX
Consumer complaint received 2015-11-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: NCC Business Services, Inc. (MI)

I was evicted from an apartment. I was XXXX at the time and received no documentation. Later, when I tried to rent another apartment, they agreed to rent on the condition that I pay my former eviction fees. The former apt referred me to their collection agency. I called that agency, was told the amount owed and began making payments immediately. This was all done over the phone and I was given no documentation from anyone at the time. 

Recently, I happened across the XXXX XXXX Court 's judgement on that evection and found it was for {$1500.00} rather than the {$2800.00} I had been charged by the collection agency. As I have already paid {$1900.00}, if the judgement is the correct amount then I have already overpaid by {$360.00} - I wrote the collection agency for documentation and they returned a list of charges, but I do n't know which amount they are truly authorized to charge me. Which is correct : do I continue to pay on the {$2800.00} amount or ask for a {$360.00} refund? 

I am enclosing the XXXX XXXX XXXX XXXX of Actions, my letter to the coolection agency, and their reply.
Consumer complaint received 2017-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Source Receivables Management LLC (FL)

XXXX used a bait and switch to lure customers. XXXX promised to pay all early termination and other fees for switching from other carriers to XXXX. However, XXXX failed to provide {$390.00} in promised fees as well as hundreds of dollars in service fees which it promised to refund due to repeated service failures and never delivered. XXXX also failed to refund purchase fees for returned equipment. As a result, XXXX was immediately canceled and service was switched back to XXXX where new telephones had to be purchased.
Consumer complaint received 2017-12-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (NC)

I have had this company credit card since XXXX and never missed a payment well on the months of XXXX and XXXX I had a tragic family event happened where a close family member XXXX XXXX  XXXX in a car accident and I tried paying to pay my bill but it wouldnt let me after several tries I was able to the next day but they gave me XXXX late payments and it damaged my credit drastically
Consumer complaint received 2023-03-10
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. (SC)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX DOB XXXX This is the 4th time I have complain over the same issues. There are tons of inaccurate information on my credit report! My name is XXXX XXXX XXXX I would like the other spellings of my name removed. I have a unverified unknown fraudulent account XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX I am not sure who took out these account for business or credit but they are not mine please delete. 
I have issues with miscellaneous unknown addresses on my file I never lived at please delete remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX GA XXXX ALL OF THE ABOVE MENTIONED ADDRESSES ARE NOT MINE!
Consumer complaint received 2016-02-06
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (WI)

In XXXX, I tried logging into Navient.com as I have for many years to pay my bill. When I logged in I got a funny message that states : " We 're sorry.Because of your current account status, we 're unable to process your request online. Please call us so we can assist you. '' Every time I call in to Navient they tell me that my account is currently locked out because I am in Bankruptcy. I explain to the representative that my account has not been in Bankruptcy since the beginning of 2011 when my bankruptcy was finalized and that I have been loging in and paying the loan for the past 5+ years. They always tell me they have no idea how any of this has happened and that they can not accept payment. I then get transferred to the United States representatives who apologize profusely and tell me that its a " glitch in the system '' and they have to fill out a form and send it to there IT department to fix which should take 3-5 business days. Its been over a month that this has been going on, it makes it very difficult for me to monitor my account as well as to retrieve my XXXX form since it must be down loaded online. I would like this issue resolved as I have escalated it numerous times to supervisors who say that it will be fixed in 3-5 days but I am still locked out.