davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-12
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. (TN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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  Account XXXX : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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. 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 2023-09-19
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (FL)

cashapp has been having problems with they app & yesterday they logged me out of my account. i can no longer access my account or my money that i had stored on there. after contacting the man repeatedly i was told there was no account found but i was able to pull {$20.00} off the same card connected to the account.
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as XXXX 's XXXX date breach. I submitted all the required documents per XXXX and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I sent a letter on XX/XX/XXXX to remove the items that are UNKNOWN to me. Ive already included this in my previous Complaint & I am including it again., 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-19
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: EQUIFAX, INC. (NJ)

The unverified items listed below continue to report on my credit report in violation of federal law. The sent letter to the 3 credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2022-01-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/XXXX, a transaction in the amount of {$130.00} posted to my account. At the time of posting, I had sufficient funds in my account to cover the transaction and once paid, I was left with a balance of {$7.00}. On XX/XX/XXXX, I noticed that I had 3 transactions ( {$16.00}, {$9.00}, {$27.00} ) in processing status and needed to add additional funds to my account to cover. I contacted BOA via chat and the representative confirmed that as long as I make a cash deposit today, the checks would clear. So I made a instant deposit via XXXX for {$58.00} to cover the charges, which left a balance of {$10.00}. Later that evening on XX/XX/XXXX, I checked my account and saw that I had a pending overdraft fee. I assumed it would automatically be reversed once everything posted, but it was not. On XX/XX/XXXX, I checked my account and saw that my account incurred an overdraft fee for {$35.00} with a posting date of XX/XX/XXXX. Once the overdraft fee was applied, it left me in the hole at- {$24.00}. 

What's concerning to me is that the overdraft fee was for the XX/XX/XXXX transaction of {$130.00}. However, as shared earlier there were sufficient funds as of the date of this transaction to cover the full amount. So, I contacted BOA via chat to request that this fee be removed. However, the representative refused to remove the fee. The rep shared that the 3 transactions that posted on XX/XX/XXXX, starting processing on XX/XX/XXXX, decreasing the available balance. However, those transactions were showing as processing in my account on XX/XX/XXXX, not XX/XX/XXXX. The rep directed me to a link only accessible from the overdraft transaction, called " What triggered this fee? '' The link directed me to another activity log that showed transactions for XX/XX/XXXX. The transaction that incurred the fee had cleared, while the other 3 were in processing status. However, the ending balance still reflected {$7.00}, since the 3 transactions had not posted. Based upon this review, the 3 transactions in process would have posted first, followed by the {$130.00} transaction, causing the overdraft fee. However, that wasn't how it worked. The {$130.00} actually posted on XX/XX/XXXX, followed by the 3 transactions posting on XX/XX/XXXX to my account. Either way, both logs reflect a remaining balance of {$7.00} after the {$130.00} transaction posted, so an overdraft fee should not have been charged. 

Attached are snapshots and printouts to support my complaint. The documents have been redacted to remove personal info and transactions unrelated to this complaint.
Consumer complaint received 2019-06-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

Loancare still is unable to update my payments to current. I have never missed a payment. They misapplied my funds to principle and fixed my credit for escrow misapplication but still show me as owing XXXX payment. I have been Working with XXXX XXXX and he has been waiting for the Cash department to apply updated payment for XXXX. I have been marked as late by Loancare and my fear is they report to credit bureau again. I need them to apply XXXX Payment correctly and show me as current on loan and XXXX payment is next payment due.
Consumer complaint received 2017-11-16
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

ON XXXX XXXX 2016 I NOTIFIED THE CREDIT BUREAUS AND FRAUDULENT ACCOUNT CREDITORS OF THE FRAUD. BOTH PARTIES ARE IN VIOLATIONS.
1. 18 U.S.C. 1028 2. 18 U.S.C. 1029 3. 18 U.S.C. 1030 4. 18 U.S.C. 1341 5. 18 U.S.C. 1343 6. 18 U.S.C. 1344 I NEED THE CREDIT BUREAUS TO SHOW 100 % PROOF THAT THESE ACCOUNTS ARE MIND OR REMOVE THEM ASAP
Consumer complaint received 2017-07-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MN)

some one has a account with pay pal using my name and i keep getting these bogus emails saying payment was received and the latest one came from XXXX XXXX some one girl or guy sent XXXX dollars to XXXX for a purchase i know nothing about and ive tried on several occasions to contact paypal and it seems like no one is receiving my emails so the charge came from XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX so i hope i choose the right one cause i dont know who else to turn to besides the local police
Consumer complaint received 2022-01-20
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: Experian Information Solutions Inc. (IL)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2022-01-20
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. (IL)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2017-07-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (LA)

I am one payment behind as a result of my wife losing her job. I explained this and submitted a request to have the single payment added back on to the end of the loan for two reasons : 1. I can re-enable auto-payments so that I wo n't miss or be late on any payments moving forward. 2. I 'll stop being charged $ XXXX/mo in late fees. The bank offered to let me pay the additional payment over 2 months, which was essentially a denial of the request, since I ca n't do that. I 've just had another late payment, because I was travelling for work without consistent access to the internet, and I could n't schedule the payment to be made. If I had been able to set up auto-pay, the payment would have been made on time, but the bank is essentially preventing me from doing so. This is remarkably frustrating, since it is impacting my credit. I also asked the bank to stop calling, and they continue to do so multiple times per day, even after I explained the situation and requested help. Thank you for reviewing the situation.
Consumer complaint received 2022-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Lending Club Corp (TX)

I have been trying to payoff a loan since XX/XX/XXXX. I sent a personal check and they did not receive it per them. XXXX XXXX bank issued a stop payment and sent out 2 more checks. One to payoff one of my accounts XXXX for {$11000.00} and a principal reductions on another account XXXX for {$2500.00}. These checks cleared by account on XXXX and Lending Clubs on XX/XX/XXXX but Lending Club has not posted them to my account and they say they do not have them, but it takes 7-10 to post or 10-14 days depending on who and what day you call the story changes. It was on auto draft but they took the one off auto draft that I was paying off, but I am afraid they are going to report me to the credit bureaus. They say they won't be they can not be trusted. I have called everyday for 2 weeks now and I get the run around and now they want me to do there job and track down the checks. I have attached to this compliant, but I am not getting anywhere. I see that the FTC filed a compliant against Lending Club through the XXXX. That should say something about their creditability. I want the checks posted to my account and a signed letter from Lending Club stating that I will not be turned over to the credit bureaus for any late payments..
Consumer complaint received 2017-03-24
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TRANSWORLD SYSTEMS INC (GA)

This debt of {$76.00} was paid in full to XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX, DE. XXXX. They forwarded my bill to Transworld Systems Inc. for collection and failed to inform them that I had written the final check of {$76.00} and mailed it to them. It was cashed and I assumed the acct. was closed. I checked my credit report and I see this debt was never reported as paid in full and therefore still shows up as unpaid and OPEN. I need to get this collection acct closed and off of my credit report.
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. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX is complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I am filing a cease and desist notice against CAPITAL ONE AUTO FINANCE. Cease and desist means to cease and desist all communication directly or indirectly through ANY medium. Communicating with me about an alleged debt through the consumer reporting agencies is a violation of my consumer privacy rights. I am aware that through the Gramm-Leach-Bliley-Act that financial institutions such as CAPITAL ONE AUTO FINANCE are required by the FCRA to tell their customers about their information-sharing practices and explain to customers their right to " opt out '' if they don't want their information shared with certain third parties. I was never given a right to opt out as explained above which is a direct violation of my consumer rights. I demand CAPITAL ONE AUTO FINANCE to cease and desist all communication with me directly or indirectly through any medium and to cease reporting my non-public private information to any third parties seeing IT WAS NEVER EXPLAINED TO ME THAT I HAVE A RIGHT TO OPT OUT OF MY INFORMATION SHARED WITH THIRD PARTIES. Failure to comply will result in your violations being brought to the XXXX XXXX XXXX, MASSACHUSETTS ATTORNEY GENERAL, FTC and I will seek legal counsel.
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: EQUIFAX, INC. (WI)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX WISCONSIN Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX WISCONSIN Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, Bankruptcy 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 2022-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (IL)

I have recently found out I am the victim of Identity theft i have notified all credit bureaus and parties involved my personal information has been compromised and sense this has happen I received items on my compromise that have even been compromised or been placed on my account with my permission
Consumer complaint received 2019-08-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

In XX/XX/2019, I was able to reach a settlement with Capital One Finance after my account charged off. I was given the option to break up the amount of settlement up in 6 payments. I've made 4 of those payments. In XXXX, my mom passed and I called Cap One to see if I could hold off on making the payment until XXXX. I was immediately told no we can't do that.. figure out a way to pay. So I decided to sell the vehicle. I called for a payoff of the settlement on XX/XX/XXXX. The rep stated that she could not send anything and to call back the next day. I called back with the dealer for a payoff letter only to be told that they can't guarantee the amount because a payment was supposed to be made the day before, something the rep never said. I called back later and spoke with another rep who also said that there was nothing he could do so I requested that my call be escalated. That rep only faxed a payment history but it did not have a running balance nor the remaining amount. I found an option to get Cap One paid and have got nothing but the run around. I realize that the account charged off and I am responsible for the outcome but if we come to an agreement about the amount and they refuse to at least assist in getting them the money that was agreed upon, why make the process so hard. I find it very perplexing that now since I am trying to sell the vehicle to get them the money they won't assist in getting me the documents to do just that.
Consumer complaint received 2017-07-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (TX)

I 've been trying to dispute this account for over a year and still no resolution. I 've attempted calling many times over the year. On XX/XX/XXXX, I disputed an account with AFNI, Inc., about a debt that they are reporting on all 3 of my credit reports, in the amount of {$470.00}, being that I have NEVER had a contract with them and I have not received any debt validation from them with anything signed by me. They then had my credit reports updated on XX/XX/XXXX and is still reporting which is a violation of the FCRA. I demand that this item be taken off my report immediately as it is affecting my ability to obtain needed loans and or credit. They are scamming people and very belligerent, unprofessional and rude when you call in to speak with them. In addition, this company does n't show as being licensed to collect in the state of Texas under the address and phone # that is being reported in my reports which is : Creditor Information AFNI XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX
Consumer complaint received 2023-09-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (OH)

I placed a request on CashApp for a new card on XX/XX/23 at approximately. To avoid it taking 14 days to be shipped, I paid the {$15.00} to have the card shipped within 2-4 days due to me going back out of town for business. Due to their system problems, the system canceled my payment for {$15.00} and shipped the card stating it will take 14 days. I have talked to people claiming to be managers and when I refute their status and ask to verify management status, the employees would disconnect the call.
Consumer complaint received 2023-09-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (VA)

I filed numerous complaints with different companies XXXX of them being the XXXX i. Which they told me to file a complaint with this company. I filed a complaint and I received a notice back from Cash App. I reached out to cash app to provide the requested information and this is what I was told. It seems as though cash app does not want repay me the money they took
Consumer complaint received 2022-01-20
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: Experian Information Solutions Inc. (NY)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.