davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-02
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2012 Balance : {$0.00}
Consumer complaint received 2022-04-30
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. (MD)

In Accordance with the fair credit Reporting act XXXX XXXX XXXX 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 2 It also state a consumer Reporting agency can not furnish account account without my written instructions.
Consumer complaint received 2023-12-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (CA)

On XX/XX/XXXX my cell phone was stolen in which the person who had my phone hacked into my Cash App account and canceled my original deposit that I was making to my bank of {$440.00} along with multiple other charges that clearly you can tell our Fraudulent and should've warranted cash app to shut down my account that night I couldn't access anything until the next day because they hacked my bank account my email account so I couldn't even login and reset any of my passwords like I said until the next day I filed a police report and upon doing so I contacted Cash App the first time I contacted them they told me that they're denying my claim because I failed to contact them within three business days to their response, which made no sense because I only had contacted them the day before so there was never three days in between which tells me they never contacted me to begin with it's just been going back-and-forth. I gave them the police report number they kept wanting me to fill out a different form every time I contacted them because I got a different person on the phone to let them know about the scammers that took my phone and the people they sent this money to that have cash app account and they're refusing to do anything about it.
Consumer complaint received 2019-01-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Credit Bureau, Inc. (FL)

on XX/XX/2018 i contacted american credit bureau, for a debt that was reported on my credit report. I sent them a letter saying that i was disputing the account. I never received a letter stating anything from this company. On XX/XX/2018, i sent out another dispute stating that they never verified the debt or sent any information and have failed to comply with the laws of the fcra for not sending me verification of any debt obtained with that company. I have been patient, but this is affecting my life and I want to get this resolved the proper and easiest way.
Consumer complaint received 2019-01-31
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: COMMUNITY CHOICE FINANCIAL, INC. (TN)

I got a flex loan at Easy Money in XXXX Tennessee back in XX/XX/XXXX the loan was for {$500.00}. I had a few health problems and I got a little behind and explained that to one of their employees. They have started calling my job and relatives over and over again since before XX/XX/XXXX.I have 1 friend that they have been calling everyday up to 5 times.I have tried to block their calls so they harass my friends instead.I feel like me and my family are being harassed and I may have to get a lawyer.
Consumer complaint received 2019-01-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: PNC Bank N.A. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and pnc bank all are reporting I have opened accounts with them on XXXX which is not true my identity has been stolen XXXX XXXX already confirmed I never opened a account with them in XX/XX/2016 now are saying I opened another account with them I never had a bank account with any of these Institutions I am a victim Of Other fraud credit cards being opened in my name my social Security and drivers license card were stolen these are police reports from Other companies to prove I am a victim Of Id theft the cops wod not allow me to make a police report for the banks cause its been over 6 months I dont live in XXXX XXXX never did yet its under my social
Consumer complaint received 2022-09-02
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. (OH)

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 XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX XXXX XXXXXXXX has violated my rights XXXX XXXX # XXXX has violated my rights XXXX XXXX XXXXXXXX XXXX XXXX  XXXX has violated my rights XXXX XXXX XXXX XXXX  # XXXX has violated my rights
Consumer complaint received 2018-04-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (GA)

I was the XXXX  of a XXXX XXXX XXXX called XXXX XXXX XXXX. About 4-5 months ago Citi Bank sent a XXXX in the amount of {$1000.00} to my company. As you know all income of a XXXX XXXX XXXX goes to the individual owners.

The debt was a result of an unpaid XXXX  credit card obtained in the name of my company by one of my employees. THAT EMPLOYEE PERSONALLY GUARANTEED THE DEBT. Citi Bank has confirmed with me that they have no record of me authorizing said credit card or personally guaranteeing it. In fact, they have no record of me ever doing business with their bank, which is exactly correct. They have told me that payments were consistently made on this card until, at some time, they stopped with a remaining balance. They have no record of me or my company making said payments.

Citi Bank investigated this matter for fraud and said there was none. When I asked them to produce records that I authorized this credit card or that I had personally guaranteed it, they could not.

Citi Bank said they did not pursue the debt from the guarantor since the card was in a company name.

In effect Citi is claiming that regardless of who opens a credit card or guarantees it, if it is in a company name, the company owes it. This is ridiculous on its face.
Consumer complaint received 2017-06-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgence Legal Group, PC (CA)

Received a letter in the mail that looks like a court document ( this is illegal in CA and most states ). I called and they stated they have a judgments against me from 2009, I never went to court for anything, never received any proof of service. I completely do n't understand this debt. They are also stating they are attorneys trying to collect on a debt from 2009. Statue of limitations in CA is 4 years. The letter is from Resurgence Legal Group. Attorney XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (HI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX IS VIOLATING THE FAIR CREDIT BILLING ACT. 

XXXX XXXX ARE VIOLATING MY CONSUMER RIGHTS BY REPORTING INACCURATE LATE PAYMENTS. 

THE ABOVE ACCOUNT WAS ALWAYS PAID ON TIME AND WAS NEVER LATE AND IT WAS PAID IN FULL IN XX/XX/2022. 

I HAVE DISPUTED THESE LATE PAYMENTS FOR THE LAST 8 MONTHS BY REQUESTING PROOF OF DOCUMENTATION SHOWING WHEN I WAS LATE, BUT I HAVE NOT RECEIVED ANY PROOF OF LATE PAYMENTS.
Consumer complaint received 2023-01-26
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)

Equifax received inquiry from a Lender call XXXX regarding credit, I was notified by email from a service I use. I contacted Equifax to start a dispute. During the phone conversation, it was made clear that even if the inquiry was incorrect and the XXXX says it was correct that the inquiry would remain on the credit report until the customer can prove that the inquiry was incorrect. These investigation are fraudulent, " receiving a service under false pretenses ''. Credit reporting Agencies use Fraudulent Investigative tactics that automatically find in favor of any Creditor despite evidence to the contrary. When asked about this, the operators are being trained not to answer the question directly, but to divert it to with another topic to sound like they are on your side. This consumer is attempting to clean up their credit for a home purchase, and getting nothing but resistance from All Three XXXX XXXX XXXX with the same goal. " To favor the credit during an investigation ''. I have looked into this, and I am not the only XXXX to experience this type of XXXX. 

XXXX offers you a way to boost your credit in many ways as long as you pay for this service, I was under the impression that the Credit Score is earned, not paid for through XXXX 's membership You no longer have access to XXXX XXXX Because you ended your XXXX benefits, you no longer have the ability to boost your XXXX Score. As a result, weve stopped updating the bill payment info in your self-reported accounts. 

If you'd like to take advantage of this feature again, you can reactivate your account. 

Looking for assistance. 

XXXX XXXX
Consumer complaint received 2019-02-01
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. (WA)

I do not recognize this company and I do not owe them, remove this from my credit report..I already sent letters to the credit bureaus to no avail..CFPB step up and remove XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Consumer complaint received 2022-04-30
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 (FL)

I was shopping for a car but I wasnt sure yet. They ask for my social in order to test drive the car. I precisely say I dont my credit to be pull. I find out they did and the manager promised it will be removed ASAP. A year later ou its still there.
Consumer complaint received 2022-08-29
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (MD)

We are " Affected Consumers '' of a Federal Lawsuit involving, Bureau of Consumer Financial Protection v. Nationstar Mortgage LLC, d/b/a Mr. Cooper, case 1:20-cv-03550-JEB , " STIPULATED FINAL JUDGMENT AND ORDER ''. 
Pursuant to the " Orders '' contained, Nationstar was ordered to notify " Affected Consumer, '' and the Administrators assigned to the escrow distribution funds account are to contact us, inform us on the amount of money to be distributed to us and send us a checkfor payment. 
We have now and have had ongoing complaints with the CFPB concering violation against us pertaining to Nationstar Mortgage. A look at my complaint history shows the issues that I have had with Nationstar d/b/a Mr. Cooper. 
Every " Order '' in case 1:20-cv-03550-JEB has directly affected us. I will be contacting Nationstar Administrator and or attorney assigned to this case to find out what happen to our reimbursement as Borrowers affected by the lawsuit concerning Nationstar Mortgage.
Consumer complaint received 2019-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

XX/XX/2019 deposited check via smartphone and bank says funds will not be available until XX/XX/XXXX. Branch manager had no explanation, appealed to executive offices and complaint was assigned to XXXX XXXX ( XXXX ). He said same - 9 day hold with no explanation.
Consumer complaint received 2019-01-31
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. (PA)

My infomation was stolen and used in attempt to open fraudulent accounts. my information was also exposed in 2 recent data breaches XXXX AND XXXX XXXX BREACH.
Consumer complaint received 2019-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

As stated before about my identity theft that took place in XX/XX/XXXX. I was awaiting on validations on original handwritten signatures and a copy of contracts on 8 creditor accounts appearing on XXXX and Transunion credit reports. Since the previous dispute found on complaint reference # XXXX to TRANSUNION and on complaint reference # XXXX to XXXX  XXXX XXXX XXXX- ( Act. # XXXX ) was the only creditor able to validate themselves with my original signature and original contract information. 

As a result of original dispute, XXXX, rightfully, according to my legal rights through section 609 of the Fair Credit Reporting Act deleted these 7 accounts from Its credit reporting because they were not able to produce the original handwritten signature or/and the original contract needed. 
These are the accounts they deleted as being non-valid and possible fraud : 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 below should be already deleted since no original signature and original contract has been shown for : XXXX/XXXX XXXX ... Act. # XXXX Since the original dispute I needed an original hand-written signature and the original contract within 30 days of the time the dispute was made according to my rights shown in section 609 of the Fair Credit Reporting Act. 
I already asked, since XX/XX/XXXX that you send me copy of my authentic signature and the original account contract for these account ( circled in attached credit reports ) : Since an original signature and original contract were not able to be shown within the time frame given there is a breach with the legal code of section 609 of Fair Credit Reporting Act. 
I'd request both XXXX  and TRANSUNION to follow in agreement with XXXX  and delete these creditor accounts from their reports as well. Right now your reports are in discrepancy with how XXXX is reporting with 7 of these 8 creditors.
Consumer complaint received 2019-01-31
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. (NC)

My identity was stolen several years ago and over the past 2 years there have been may fraudulent accounts listed on my report. Also I was included in several MASS data breaches which greatly exposed me. I am in Desperate need of all of this fraudulent information removed and blocked from my report.
Consumer complaint received 2019-01-31
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. (NC)

My identity was stolen several years ago and over the past 2 years there have been may fraudulent accounts listed on my report. Also I was included in several MASS data breaches which greatly exposed me. I am in Desperate need of all of this fraudulent information removed and blocked from my report.
Consumer complaint received 2018-04-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (NY)

The problem is first of all I have been told that I should not be the one responsible for my son 's loan as a co signer for Navient. I want to be taken out as a co signer. When he took out the loan he was not an adult to be responsible for a loan. Then I paid interest on it since the loan was taken out. This goes back to XX/XX/2012.
Consumer complaint received 2022-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have a Bank of America credit card which I set up with autopay at B of A. Without my authorization or knowledge, B of A ( apparently on XX/XX/XXXX ) turned off the recurring payment feature. This resulted in my going past due due on the credit card and B of A assessing me a late fee. The first I learned of this was on XX/XX/2022 when I received an email from B of A saying I was past due-and that I could set up recurring payments on the account. When I called in to learn what had happened all B of A could say was that the recurring payments had been turned off because my wife ( we are separated ) had called in and failed authentication so there was " fraud on the account. '' I offered to pay my normal minimum payment ( {$45.00} ) but B of A said my minimum payment due was {$110.00} which consisted of my " past due '' balance, my next payment which was not yet due ( XXXX XXXX due date ) and my late fee. I offered to pay the {$45.00} to bring myself current but then B of A required me to agree to a disclosure statement which said my past due amount was $ XXXX the rep told me that B of A could not reduce that amount because that is what their system said their system could not be changed so it was right.
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IS VIOLATING THE FAIR CREDIT BILLING ACT. 

XXXX XXXX ARE VIOLATING MY CONSUMER RIGHTS BY REPORTING INACCURATE LATE PAYMENTS. 

THE ABOVE ACCOUNT WAS ALWAYS PAID ON TIME AND WAS NEVER LATE AND IT WAS PAID IN FULL IN XX/XX/2022. 

I HAVE DISPUTED THESE LATE PAYMENTS FOR THE LAST 8 MONTHS BY REQUESTING PROOF OF DOCUMENTATION SHOWING WHEN I WAS LATE, BUT I HAVE NOT RECEIVED ANY PROOF OF LATE PAYMENTS.
Consumer complaint received 2022-09-02
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)

Please be advised this is my SIXTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite five written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX Date Opened : XX/XX/2002 Balance : {$3000.00}, and XXXX XXXX XXXX Date OpenedXXXX Balance : {$0.00}.
Consumer complaint received 2019-01-31
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (NY)

I was contacted by credence saying that I owed them XXXX for an XXXX bill. I told them I could do a payment plan and they were trying to get me to pay a lump sum- this was in XXXX. I told them I would call back in XXXX when I could make the 1st payment since they were so adamant on a lump sum. I forgot I had already given them my bank information. When I got paid in XXXX I called on the XXXX and scheduled a payment arrangement for {$70.00} that day and {$100.00} on the XXXX of every month until XXXX. No one informed me that they had already charged my card that day for {$100.00} and proceeding to charge me again. I realized what happened after getting off the phone with them and checking my bank account. When I called back they informed me I had one payment arrangement scheduled for the XXXX of every month and 1 for the XXXX I told them they needed to refund my {$100.00} and cancel one of the payment arrangements. They said they sent me a notice in the mail but I did not receive this notice until the XXXX of XXXX. Which is way after they debit my account. Further the notice was dated only 2 days before they withdrew the money which means it was not sent out the day it was printed. They said I wouldnt get my money back until 22 business days after it was processed. I told them that was unacceptable and they said I should just leave it as an extra payment or payment for XXXX. I told them that could not happen because they were leaving me without funds. They said no later than 22 days. Yesterday I called back to see if the refund process had begun and they told me 15 days before the refund process begins and 22 days before I even see any result. They are holding my money hostage. Help!