davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-24
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Confusing or missing disclosures — 
Company: Block, Inc. (MO)

I filed a dispute through XXXX  and XXXX. I sent money through cash app. Cash app has blocked my account which they owe me XXXX dollars that they refused to refund. I sent in XXXX on XX/XX/XXXX for some clothing items which was two pair of shoes and two outfits a dress and a sweat suit two piece. Its been a month and I havent received my merchandise. I purchased a short and pants. I returned the items for a smaller size I was sent confirmation that the company received the item on XX/XX/XXXX at XXXX ; XXXX ( XXXX ) still I have not received my item. Could you please help me get my money from XXXX and Cash app and XXXX! This is a wrong and against the law ....
Consumer complaint received 2019-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2018. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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
Consumer complaint received 2019-04-12
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. (VA)

Please remove these accounts inwhich the following accounts do not belong to me nor do I have any knowledge of them. I'm asking for these accounts to be blocked, XXXX XXXX XXXX, {$1100.00}, {$500.00}, {$100.00}, and XXXX XXXX   {$2300.00}.
Consumer complaint received 2019-04-12
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. (VA)

Please remove these accounts inwhich the following accounts do not belong to me nor do I have any knowledge of them. I'm asking for these accounts to be blocked, XXXX XXXX XXXX, {$1100.00}, {$500.00}, {$100.00}, and XXXX XXXX {$2300.00}.
Consumer complaint received 2019-04-12
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. (VA)

Please remove these accounts inwhich the following accounts do not belong to me nor do I have any knowledge of them. I'm asking for these accounts to be blocked, XXXX XXXX XXXX, {$1100.00}, {$500.00}, {$100.00}, and XXXX Collections {$2300.00}.
Consumer complaint received 2019-04-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

Experian Credit Bureau ; I have been trying to dispute items on my report that are dated wrong and should have been removed long ago! They have been removed from both other credit bureaus! I try to file disputes and they are ignored! Its my understanding that I am to file a complaint here as a last resort before suing! 
1. XXXX XXXX XXXX XXXX AMOUNT {$3900.00} This account was in XX/XX/XXXX it shows payment for 2 years which is incorrect. The original charge off date was XX/XX/XXXX. It has been removed from all other agencies but Experian refuses. 
2. XXXX XXXX XXXX Amount {$1200.00} This account was also charged off in XX/XX/XXXX. It and all of the collections have expired and are removed. The dates are wrong! It also has been removed from BOTH other credit bureaus! 
3. XXXX XXXX XXXX XXXX No account number ( probably because its not mine! ) I bought a XXXX XXXX in XX/XX/XXXX I still have it. It was financed at XXXX  XXXX XXXX not XXXX! This is not my account. I dont have any paperwork to show anything BECAUSE ITS NOT MINE! 
And once again the dates should be XX/XX/XXXX because that is how long I have been fighting this! 
This one as well has been removed from both other bureaus! Experian refuses to remove it! 
XXXX XXXX removed it in XX/XX/XXXX!
Consumer complaint received 2018-06-15
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. (NY)

There is a hard Inquiry from XXXX XXXX aka XXXX that is on my reported XXXX told me they would do a soft Inquiry for a credit line increase but they processed a hard Inquiry I contacted them about this they stated they would inform Equifax to remove it it would take 30-60 days that was back in XX/XX/XXXX up until this day it has not been removed and equifax refuses to remove it I will attach documentation and proof There is also another unauthorized Inquiry on my equifax file from XXXX XXXX  aka XXXX that should not be on there I have no account with this creditor
Consumer complaint received 2019-04-12
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)

We state for the record to XXXX, Transunion, & XXXX of the alleged accounts : That I did not sign any instruments pertaining to those accounts listed above either as maker or endorser with wet ink signature. That the signature of any documents annexed to the accounts listed on the FTC report is not my wet signature on behalf of XXXX XXXX XXXX ( assumed business name ) but is instead is a forgery made without my full disclosure, knowledge and my approval.
Consumer complaint received 2019-02-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (NC)

problem started started with XXXX XXXX in XX/XX/XXXX.refinanced my home and was told my new payment would be XXXX a month.They were suppose to include my taxes and insurance.I was then contacted and told they forgot to include my taxes and insurance and jacked my payment up to XXXX.I told them from the beginning I was XXXX and .They said they were sorry but they could not help me. addressXXXX XXXX XXXX nj XXXX phone XXXX.just found out my loan was sold to chase loan XX/XX/XXXX phone XXXX ext XXXX loan officer .Address jp morgan chase XXXX XXXX XXXX, XXXX ohio XXXX.I called them and asked them if they could give me a cheaper rate and was told no, even though I am XXXX.I just received a letter and said they would refinance now and want to charge me XXXX in closing cost and XXXX in cash to close.I am suppose to have a XXXX  XXXX   loan.I am trying to find someone to help me I am a widow on XXXX.If I cant find help I will have to move.I have been in my home for 33 years.
Consumer complaint received 2018-04-10
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Second Round Limited Partnership, Austin, TX Branch (GA)

I have asked Second Round LP to validate this debt multiple times. This auto loan was already paid to another company. They have ignored multiple request from me. My last letter was sent to them on XX/XX/XXXX. It is still showing as a collection on my credit report. Please assist me with having this in-validated account remove from my credit report so I can continue to proceed with my life. 

SECOND ROUND LP Account # XXXX Account Type Other Collection Agencies Balance {$3100.00} Past Due {$3100.00} Date Opened XX/XX/XXXX Account Status Mo. Payment {$0.00} Payment Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department High Balance {$0.00} Limit {$0.00} Terms 1 Month
Consumer complaint received 2019-04-12
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. (MO)

XX/XX/2019, I discovered that XXXX XXXX, an negative account has been reinserted into my credit file. You are required to notify me within five ( 5 ) days of reinserting a previously deleted item. I did not receive any such notification. 
Please delete this account ( XXXX XXXX ) immediately. 

Your Cooperation Is Appreciated.
Consumer complaint received 2019-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a Bank of America credit card that offered a promotion for a zero percent balance transfer. I took the transfer and paid every month until it was paid off. In the final month of the promotional period, I made the last payment two days before the promotional period expired. However, that same month, I made some purchases using the same credit card. I came to find out that Bank of America charged me interest on the new purchases immediately, without the customary grace period of 30-days, and applied only a small portion of my aforementioned payment ( to pay off the balance transfer ) towards the promotional amount and the rest was applied towards the new purchases. By doing this, Bank of America charged me interest on the new charges ( even though they were not even due ) and on the initial promotional transfer that I thought was being paid off based on the billing statement due. In looking at the banks statement, a person would not know that the payment made to pay off the entire balance, would, in fact, pay a small portion of the promotional balance ( triggering an interest charge ) and accruing additional interest charges on new purchase immediately upon such charges being posted. It is completely misleading. 

Although my charges were minimal, I feel that this is a fraudulent scheme by the Bank and wanted to bring it to the attention of the authorities. On a large scale, this scheme generates the bank income by hiding their policy regarding promotional balance transfers and new purchases and the way they charge interest and apply payments.
Consumer complaint received 2023-02-23
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: National Credit Adjusters, LLC (TX)

My personal information was used in identity theft I have never applied or signed for any credit cards, insurance or loans which I am disputing. I currently filed with the FTC and local police authorities both have assigned a case and file number to investigate. I discovered the information on my credit report XX/XX/2023 which I notice XXXX XXXX on my credit report for fraudulent amount XXXX I have called XXXX XXXX with no resolution.
Consumer complaint received 2019-02-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (ID)

I obtained a loan from XXXX to move my loans from Navient to XXXX as I have had horrible customer service with Navient and they have been very shady. I calculated the interest on 10 days ( the amount of time it would take XXXX to pay off the loan ) and gave that value to XXXX. I have a screenshot showing where XXXX paid all of my loans in full. Navient is saying that the third loan which was for {$5000.00} in 2014 is unpaid and is trying to solicit payments from me. They are trying to get {$10000.00} for a {$5000.00} loan. This is fraud.
Consumer complaint received 2023-08-19
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. (FL)

I submitted a letter to the XXXX and Equifax Credit Bureaus last XX/XX/XXXX  to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX XXXX Balance : {$600.00}.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (TX)

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.

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 2023-01-11
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 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 by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXXXXXX XXXX XXXXXXXX data breach. I submitted all the required documents per 15usc1681c 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 XXXXXXXX Balance Owed : {$1600.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-02-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ADVANCED DEBT COLLECTION, INC. (IN)

Hi My Name Is XXXX XXXX, I need help with a very serious situation. 
My situation : I had rented a home 10+ years ago. The man I rented the home from was a slum lord and we moved out of the home 2 months earlier because he refused to fix things at the home and said it was my responsibility! 
They sent it over to a collection agency by the Name of Advance Debt Collectior locates here in XXXX Indiana theyre phone number is XXXX ) XXXX-XXXX- act # XXXX They have been harassing me and my daughter that lived with me on our lease at that residence my daughter lives in California they are harassing her and also trying to garnish her wages. I myself am XXXX Im on XXXX. However I receive at least 5 calls from them every day saying now my debt has went up. I originally owed them XXXX XXXX dollars Ive paid them off all but XXXX dollars I paid because they were scaring me over the threats. Please help me. XXXX Thank You So Much in advance
Consumer complaint received 2023-08-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NH)

Dear PayPal Support Team, I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account ( XXXX ). I firmly believe that this limitation is a result of a misunderstanding or error, as I am confident that I have not violated any PayPal policies or engaged in any unauthorized or suspicious activities. 

I have been an active and responsible user of PayPal for a significant period of time. Throughout this duration, I have meticulously adhered to all of PayPal 's terms of use and policies. The news of my account being permanently limited has come as a shock to me, as I genuinely can not identify any instance where I have deviated from the established guidelines. 

I kindly request PayPal to re-evaluate my case and conduct a thorough investigation into this matter. I am confident that upon review, you will find no substantiated reason to justify the permanent limitation on my account. I am earnestly appealing for the restoration of my account privileges, so I can resume using PayPal for my online transactions and financial activities without hindrance. 

In view of the above, I urge PayPal to reconsider its decision and provide me with an opportunity to rectify any misunderstandings that may have led to this unfortunate situation. I value the convenience and security that PayPal offers and would greatly appreciate the chance to continue benefiting from its services. 

Thank you for taking the time to read my appeal. I sincerely hope that PayPal will re-evaluate my case with a fair and unbiased perspective, leading to the reinstatement of my account. I look forward to a positive resolution and the chance to resume using PayPal. 

Warm regards, XXXX XXXX
Consumer complaint received 2023-08-19
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: EQUIFAX, INC. (NC)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$2700.00} ; XXXX XXXX XXXX  XXXX Balance : {$20000.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00}.
Consumer complaint received 2023-08-19
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. (TX)

I am submitting my complaint about corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The XXXX and XXXX Credit Bureaus are willfully in violation of FCRA and condoning illegal behavior, they MUST correct this late/open account immediately. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on XXXX XXXX XXXX. Please change the status to Paid or simply " correct '' the account. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. Here is the list of the erroneous account reporting on my Credit Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX