davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (GA)

I received money for services via Cashapp. I attempted to add my bank account and transfer funds to it, but they don't give you that option before you add a debit card. I added my debit card and transferred roughly half of the funds. Afterwards I was able to add my bank account. I did such and removed the linked debit card. I sent the remaining funds to that account. However Cashapp sends a text and app notification when a card or bank account is added or removed. Following the adding and removal of my debit card I received such messages and notifications. However following the adding of my bank account I received a notification and message that my babk was added, followed by a message that my debit card which I had removed and got notifications and messages that it was removed had been ADDED to the account. I immediately called Cashapp customer support to inquire why information I had explicitly revoked permission from them using in the form of removing it from my account was being added back without my permission. The person I spoke with was particularly rude and disrespectful and said without verifying and providing even more personal financial information they wouldn't address my issue qbd could only answer feneral questions. They already linked a debit card I explicitly removed so I had no trust in their integrity in regards to data protection regarding my finances, much less provide them with even more sensitive data before they would address what is either a glitch or an intentional, malicious disregard for privacy. So I told the customer service associate I had a general question and wanted to know how it was legal for them to add a debit card back to my account after I expressly removed it following me adding a bank account. The operator refused to answer the question until I provided my social security number, which is the most personal information a person owns as far as finances go. I suspect they're forcing people who won't provide a social security number, which they can not obligate customers to use, to utilize debit/credit transactions which fees. This would be opposed to direct bank account transactions which do not. This can not be the way a financial corporation is allowed to operate in the United States, while actively coercing and extorting consumers, half delivering services unless they provide more sensitive data than is necessary, and holding onto data after permission has been revoked.
Consumer complaint received 2022-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
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: EQUIFAX, 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 2022-09-01
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. (CA)

XXXX XXXX XXXX she uses multiple different last names ) of XXXX used my SSN to open multiple loans and credit cards. She is in XXXX  while I am in XXXX. The loans and credit cards all have her names on them, but when I contact the credit bureaus and creditors, they never helped me get these items removed from my credit report? I resubmitted my dispute just now for both XXXX and Transunion. I believe my record on XXXX is clean. 

On XXXX, XXXX XXXX XXXX and XXXX are still on my credit report. On Transunion, XXXX XXXX XXXX and XXXX XXXX are still on my credit report. Both credit bureaus have several of XXXX 's addresses and names which I also disputed. Can we get these taken off? I have been trying to do this for the past few months and it is detrimental to my credit.
Consumer complaint received 2020-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

There were unauthorized inquires on my Credit Report Capital One requested my credit report on - XX/XX/2019 - XX/XX/2019 XXXX requested my credit report on - XX/XX/2019 XXXX
Consumer complaint received 2019-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

I have written to each credit bureau and they refuse to take the inquires that I did not authorized. I authorized one company 16 months ago a 1 mortgage company, XXXX, XXXX  XXXX, XXXX XXXX and XXXX only! I only authorize them to pull them once and if has pulled down my credit and I want it removed.
Consumer complaint received 2021-08-22
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. (IL)

Attached is a copy United states Bankruptcy Court explaining they do not report to any of the credit bureaus. So how are you verifiying this information if the source is saying they don't report to any credit bureaus. You are reporting inaccurate information according to the Fair credit reporting act 15 usc 1681 e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
If any information is indeed inaccurate According to 15usc 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2019-09-17
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN HONDA FINANCE CORP (FL)

I purchased a XXXX XXXX to replace my car that was damaged in an accident. It was finance with American Honda Finance. I had problems with the car - all four doors were covered in mold and mildew, the battery had to be replaced by me, dealer refused to replace it and wanted {$72.00} to send anyone someone to get it started for the second time in 10 days. I told the dealer and AHF that I wouldn't pay until the car was fixed since it was supposedly guaranteed. Dealer refused to fix it, I refused to pay. Told them to take it back. They said that it would damage my credit - IT HAS - I am unable to buy another car. 
They took the car and sold it for {$16000.00}. They expect me to pay {$5500.00} for a car I no longer own and they they have recouped their money and possibly more.
Consumer complaint received 2020-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IN)

Equifax can give me no reason why they need to verify my identity before releasing an existing freeze on my credit bureau. Now I have to wait over a week to get critical access to my credit bureau causing my family significant financial hardship in the meantime.This is unacceptable to wait a week to get access to critical information to secure financing in a very trying time. They were not helpful at all to work through this situation. They should be banned from holding critical information as they have proven themselves undeserving of this important task.
Consumer complaint received 2022-09-01
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. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2019-01-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Real Time Group, Inc. (SC)

I have pulled my credit reports on XX/XX/XXXX and to my findings there was this collection agency name Real Time Resolutions reporting negatively to credit bureaus XXXX  and XXXX in the amount of {$2200.00} claiming that I took out an installment loan fro a company called XXXX XXXX XXXX in the amount of {$1700.00}. Ive sent request to Real Time Resolutions for VALIDATION of the information they are submitted to the credit reporting agencies. In return they sent me a verification of bills they supposedly sent me in XXXX to an address that I have never lived at which is on XXXX XXXX XXXX XXXX XXXX SC XXXX but they never VERIFY the debt. I never receive a notice nor do I know about this debt. The VALIDATION I expected was proof of an agreement, my signature and any other LEGAL proof that I took out the alleged installment loan with XXXX XXXX XXXX and they fail to do that. I ask that this company cease reporting to my credit report and have it remove 100 % ASAP. I do know my rights and they are in violation of Section 609 of the Fair Credit Reporting Act. They failed to provide a copy of the original creditor 's documentation. The documents attach is what they sent to me after requesting validation of this debt.
Consumer complaint received 2019-01-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Certified Services, Inc. (IL)

Certified Services is causing me injury by falsely reported a debt on my credit report that I do not owe. I never signed an agreement/contract with them or used their services. They are violating my right under the Fair Debt Collection Practices Act by providing misleading information by reporting account on my credit that I did not sign up for with them. They have two accounts on my credit that should be removed. I have tried going through the XXXX, however, they did not respond to the agency, which provides an example of their business practices.
Consumer complaint received 2017-06-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (FL)

Hello, I 'm trying to purchase my first home, and i, ve pulled my credit report and items are appeared to be on there that should n't. I 've tried numerous times with all credit bureaus on trying to fix this things, and they would n't help me. These collections thats being reported. I 've been trying to resolve the multiple negative accounts on my credit report, ( XXXX, XXXX and XXXX ) are negalecting to verfiy the accounts properly to determine which ones are duplicates or orignals. Due to poor lack of investigation and communication I 'm requesting that all accounts be removed. Because this is really hurting my future and my living. <P/>XX/XX/XXXX-National Credit Systems- {$3600.00} XX/XX/XXXX-XXXX- {$1000.00} Inquiries on XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX
Consumer complaint received 2022-09-01
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)

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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
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 (CA)

On XX/XX/18 I went into the Bank of America located at XXXX XXXX XXXX XXXX XXXX, Ca. After completing one transaction the teller told me that he could not take my cash deposit due to multiple transactions. He instructed me to use the ATM machine located inside of the branch. I proceeded as directed and made a {$2600.00} ATM cash deposit. On XX/XX/18 I noticed {$1900.00} debited from my account so I went to the Branch and the Manager said he could not help me and I needed to file a claim. I called BofA claims department ( XXXX ) XXXX. The representative started a claim for me and I saw a return of the {$1900.00} into my account. On XX/XX/18 the {$1900.00} was again debited from my account and I called BofA Claims Dept again. I was transferred to XXXX XXXX ( would not provide last name ) and she told me they were not going to return my money to the account.
Consumer complaint received 2019-01-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Client Services, Inc. (FL)

I have a credit card with XXXX that I keep making payments on but they turned my account over to a collection company. I still dont have the money to pay this debt. 

Hurricane Irma hit this part of Florida and I lost my food in my refrigerator but FEMA doesnt replace food. 

My car has been repossed so I have no way to work. 

I pay $ XXXX to XXXX but since it's not the full amount they turned me over to a collection agency which doesn't help me pay.
Consumer complaint received 2022-09-01
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. (OH)

In accordance with the Fair Credit Reporting act 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-05-09
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: GMA Investments, LLC (KS)

Over my voicemail I have gotten the following illegal threats " We're going to have to start getting meaner if you don't pay up '' " Call us to discuss the bank draft you approved '' ( which I did not ) " Just do the right thing and we won't have to tell your boss about your debt '' I work as a 3rd party collection agent. These are NOT ok to say to anyone while attempting to collect a debt. 

I just sent off a cease and desist letter to their mailing address as well as email address. I informed them to only communicate in writing as of XX/XX/19 but apparently the debt collection laws don't apply to them as far as they are concerned. 

To my shame I've deleted all but one of the voicemails. They have never once identified who the debt is for and the one time I spoke to a person and asked them to stop calling me, the man on the phone was screaming at me rather harshly about being a 'deadbeat '. 

Please see my XXXX Complaint about this issue, and the many many others they've threatened and harassed despite being asked to stop.
Consumer complaint received 2019-01-31
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)

Hard Credit inquiries I do not recognize on my account. Some accounts are repeating and can never dispute. Been 3 years since trying to figure it all out but no opportunity has arose. No proof of any debts been received. Credit has been dinged too many times unaurthorized and unlawfully
Consumer complaint received 2022-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (WA)

On XX/XX/2022 I have filed a dispute letter to all 3 credit buruaus XXXX, Experian, XXXX to validate alleged debts on my consumer file. they Have failed to show me evidence bearing my original signature in a timely manner. They have failed to comply with their own policies a timely manner
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. (TX)

I already reached out to TransUnion and to XXXX XXXX and XXXX  XXXX XXXX and notify them of their error posting of information on my report. I was never late on these accounts. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations still persists on my credit report.
Consumer complaint received 2018-08-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (OH)

I called XXXX XXXX to see why I was being put into collection.XXXX XXXX told me it was for non returned equipment.i had returned this equipment.erc is the collection agency I contacted them to let them know I had returned the equipment and they said there was XXXX dollar late return fee I have not seen a contract with this on it with my signature.this is an added fee that I need a copy of the contract that states this.the man at erc said if I don't pay he will report to the credit beaureas.i informed him this was a violation of frca rules and I was contacting the cfpb.he said it could be resolved if I payed him today or he would report to the credit beareaus.this man was rude and abusive.under frca rules he can not report to the credit beareaus while this is disputed.he needs to be held responsible for his behaviors this was all on a recorded line.
Consumer complaint received 2022-09-01
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. (TX)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.
Consumer complaint received 2022-08-29
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. (OK)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXXs Account # XXXX XXXX XXXX Account # XXXX First XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-29
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. (OK)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXXXXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXXXXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX Account # 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 2019-09-17
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: AMERICAN HONDA FINANCE CORP (NJ)

I received a phone call from Honda Financial Services from a customer service representative who basically read me my last rights on keeping the vehicle. I explained to her that Honda Financial disabled my account access preventing me from logging in to make electronic payments. This made the situation worse because they were not mailing me bill statements in order to make a payment.