davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (TX)

My renter at XXXX XXXX XXXX, in XXXX, Illinois XXXX requested to send his rent through CashApp. I agreed and told him my CashApp login name, XXXX XXXX, with which he deposited {$700.00} in my Cash App account. I opened my CashApp app and tried to login and transfer to my bank account. When I failed to get in they sent me to biometric id of which I complied. The biometric feature failed. It could not identify me. So now, a month in and still no money. I see this as theft and if it can not be resolved I intend to go to the Texas Attorney General, the FCC, FTA, and others.
Consumer complaint received 2023-10-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (NY)

On XX/XX/2022 an unauthorized transaction occurred on my account. A guest in my home, while I was sleeping, had taken XXXX of XXXX cell phones that I owned at the time. And sent himself XXXX $ from My account. After he stole money from me he attempted to change personal info on my cash app account which he was not 100 % successful in doing. This all occurred around XXXX and upon my waking up and realizing my phone and my guest were gone, I immediately checked my other phone and noticed there missing funds and immediately told cash app about the incident and explained to them that who they were talking to in the chat earlier was not me. I verified myself and then made my complaint. Cash app came to the conclusion that the transaction was authorized by me. I explained again that, no I am the verified owner of the account and it was not authorized. Still after countless dialogue with them I have never been able to recoup those funds. On XX/XX/2022 an unauthorized transaction occurred on my account. A guest in my home, while I was sleeping, had taken XXXX of XXXX cell phones that I owned at the time. And sent himself XXXX $ from My account. After he stole money from me he attempted to change personal info on my cash app account which he was not 100 % successful in doing. This all occurred around XXXX and upon my waking up and realizing my phone and my guest were gone, I immediately checked my other phone and noticed there missing funds and immediately told cash app about the incident and explained to them that who they were talking to in the chat earlier was not me. I verified myself and then made my complaint. Cash app came to the conclusion that the transaction was authorized by me. I explained again that, no I am the verified owner of the account and it was not authorized. Still after countless dialogue with them I have never been able to recoup those funds. Case numbers are XXXX and XXXX
Consumer complaint received 2021-08-20
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. (NV)

I was in the process of buying a home but when my loan officer checked my credit they told me I had a collection on my report. I said collection? You got ta be kidding me! Then he told me it was some kind of a medical bill. So I looked up my credit report and saw that it was from some company called XXXX or XXXX XXXX and I'm telling you that I have never had any services from these people so I disputed it online. The bureaus so far have refused to delete it which I have no idea why. I also got a response from XXXX with 3 bills, all of which said that I did not owe them anything so why are they on my credit report? I don't even recognize the doctor 's name or the date of services listed as I never had these services and I think either someone used my identity to get these medical services or they incorrectly billed me for someone else 's treatment. This account has lowered my score almost 100 points and is preventing me from buying a house. I need it off my credit ASAP or I am going to get a lawyer and sue everyone involved.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

Between the opening of my account to current I have had multiple issues with excessive fees, overdrafts ( when I have alerts for over draft ), and when account overdrafts they charge more fees. I have disputed this multiple times with Wells Fargo and nothing gets done about it.
Consumer complaint received 2019-03-31
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. (GA)

I am formally writing this letter of complaint to you in regards to Equifax Credit Bureau. Equifax violated FCRA rules and consistently failed to delete unverifiable inaccurate, adverse, and erroneous accounts that has been posted on my credit report. Beginning XX/XX/2018, I have sent over three ( 3 )  certified requests for Equifax to send me verifiable information which to include a contract verifying that they have the proof that the account is indeed mines. The accounts that I have asked for proof are as follows : XXXX acct # XXXX amount {$2000.00}, XXXX XXXX acct # XXXX amount {$200.00}, XXXX 's Acct # XXXX amount {$730.00}, XXXX XXXX Acct XXXX XXXX amount {$730.00}. Under the laws of the FDCPA, I have contacted the companies myself and have been unable to get them to verify that the debt is indeed mines. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ), Equifax is required by law to verify through physical verification of the original signed consumer contract and any and all accounts they post on a consumer credit report. I have requested documentation via Certified for since the beginning of XX/XX/2018. I have yet to receive a any documentation from Equifax. Due to the negligence of Equifax failing to honor my request, it has caused me emotional distress and extensive grief because I am not able to obtain the credit. Also, I advised Equifax that according to Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. In the failure to show proof of an original contract bearing my signature, I formally request Equifax immediately delete the aforementioned derogatory accounts from my credit report associated under my Social Security Number. I am a litigious consumer who tends to litigate if this request is not honored. I have proof of certified documentation with postage that will be used in my litigious request I have solely address this complaint to CFPB concerning Equifax. Thank you for time and look forward to this negative impact to be resolved.
Consumer complaint received 2019-01-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (TN)

On XX/XX/XXXX I was notified through my credit protection service that Receivables Performance Management ( RPM ) was attempting to collect a {$410.00} debt for XXXX that is not my account. I contacted RPM, XXXX and XXXX  several times between XX/XX/XXXX and XX/XX/XXXX. The debt belongs to my dad whose name and address were submitted to XXXX  but the collection hit my credit report due to my SSN being linked to it. My dad nor I have received anything in writing regarding this debt. I experienced a similar issue last year for this same account on the XXXX  and XXXX  credit reports that was resolved in XX/XX/XXXX. RPM changed the name and address from that of my dad to my name and address after I requested they not do that. XXXX   got involved and questioned RPM on why they changed the account to my name when they submitted my dad 's name and address to XXXX. I've contacted XXXX who expressed that my name, address nor SSN is linked with the account and have reported that to RPM several times. XXXX even updated the collection system that RMP has access to review for updates on XX/XX/XXXX and XX/XX/XXXX to let ROM  know that they have mistakened my identity. RPM still won't budge. t I am very frustrated because I have been wrongfully accused and my XXXX credit score has dropped almost 100 points because of it. This complaint is for Receivables Performance Management ( RPM ), especially Mr. XXXX XXXX, for the seemingly sneaky tactics used to switch the account on to me and for not being helpful. Please look into RPM and their debt collection practices.
Consumer complaint received 2018-04-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

I had requested a new debit card from Wells Fargo. They sent it to me in the mail on XX/XX/XXXX. I never received it in the mail. 

On XX/XX/XXXX, I logged onto my online banking. This is when I noticed that I had transactions that were not approved by me. I immediately went into Wells Fargo bank and spoke to a banker to help me claim the fraudulent charges. 

On XX/XX/XXXX, I received a letter from Wells Fargo that they have looked into the claim, decided that all the charges were made using my card and a Personal Identification Number ( Pin ), therefore they will be closing the case without any refunds. 

I was stolen {$2100.00} from and none of it was refunded. 

I have an XXXX and the criminal purchased a XXXX phone, XXXX  rides, XXXX tokens, XXXX XXXX XXXX charges, XXXX ( travel ) charges, and even called a prisoner in jail. 

When I went to the Wells Fargo branch on XX/XX/XXXX, I requested a new card be mailed and immediately installed a lock on my mailbox at home. 

They sent me a new card and I activated it on XX/XX/XXXX. In order to do that, I had to go on the website and use my birthdate or my last four of social security number to activate it. No PIN was needed. The thief could have done this by looking at my other mail items.
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

I have been disputing several items on my credit report that are incorrect and that are being illegally and inaccurately reported. These fools are making it hard for me to get credit and to be able to be approved for anything. I told them that I was gone reach out to yall because I havent heard anything back from them yet. They are not responding to my letters.I want everything to be adjusted as I have requested in my letters to them immediately!
Consumer complaint received 2019-01-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc. (GA)

Franklin collection claims I have a debt with them when I have not done any type of with them or any one associated with them. balance. I asked them in writing to provide me with proof of this debt but they did not respond or provide any evidence. By not replying to me in a timely manner to my initial letter on XX/XX/18, they have not only violated federal and state laws, but you have also failedto provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Therefor they should immediately request that this erroneous debt be deleted by all credit reporting agencies or I will be forced to this wrong doing to the attorney general, the XXXX XXXX XXXX, and finally I will file a small claims case where they will have to report court to defend themselves at my local court. Be aware I have been keeping a close record or all correspondence should they keep breaking the law.
Consumer complaint received 2019-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LEXISNEXIS (MI)

my ex-husband let our house get foreclosed during our divorce XXXX years ago. I have worked hard to repair my finances and have improved my credit. the foreclosure has timed out on all of my credit reports, but I continue to be denied credit, it is always because of lexis nexis report- they should not be allowed to do an end run around state and federally mandated consumer protections. I have alerted them and requested that they remove it to no avail. I have opted out of their sharing my information-to no avail. I am ready to enlist the help of legal council to great personal expense. I thought I would first see if someone can just get them to do what is right
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

Equifax updated my credit report based on the information that XXXX sent to them and I sent to them. They then went and changed it again adding different information and a statement that I did not add and changing the status of the account. The account is paid in full and close. They did this two days after they updated it correctly. That change affected my credit score by nearly XXXX points in one day from their inadequate incorrect changes that they have made. They show that there's no status update which there is they show that there's no status at all and no payment history which there is. They also allowed a fraudulent creditor that I have an FTC complaint with to report a dollar change to this account and another address change even though I provided them an FTC identity theft complaint that has that creditor on there and one from last year. I've also disputed this by mail certified return receipt.
Consumer complaint received 2019-01-28
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: Southwest Credit Systems, L.P. (NY)

inquiries : XXXX -date FRAUDULENT ACCOUNTS ; -XXXX   XXXX  XXXX  -DATE XX/XX/XXXX -AMOUNT XXXX ACCOUNT #XXXX

-XXXX XXXX XXXX XXXX -DATE OPENED XX/XX/XXXX -AMOUNT {$340.00} -ACCOUNT -- XXXX  ( ORIGINAL CREDITOR IS XXXX ) AMOUNT {$850.00} -ACCOUNT #XXXX
Consumer complaint received 2019-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FC HoldCo LLC (VA)

To whom this may concern, XX/XX/2015 I cosigned for a car loan for my mother. She had the car for over a year and could not keep up with the car payments and therefore returned the car back to the dealership. This car loan is continually showing up on my credit report as ( closed ) but It is also showing up every month as if we are missing payments and it appears as if the loan amount continues to go up. My problem is that this should no longer show up on my credit report and needs to be removed as the car has been voluntarily returned to the dealership and we owe nothing as of this day. This is continuing to hurt my credit scores payment history and derogatory marks section and I need this to be removed as this situation has already been taken care of. 

Also, the issue I am having with XXXX XXXX XXXX is the same issue. I voluntarily gave the car back and they continue to call me a ding my credit for a car I returned. Not only did the dealership receive my car but I signed a voluntary repossession form and gave it back to them. This should no longer report on my credit score as delinquent
Consumer complaint received 2019-01-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (GA)

To Whom It May Concern, My lender ( Chase ) issued me a short sale approval letter today and it expires on XX/XX/2019. This is ridiculous. There is no way that the buyers lender will be able to adhere to the TRID Guidelines. 1 ). The lender has to have 3 days to get the disclosure out to the Buyer 2 ). The Buyers Underwriter has to review and 3 ). Underwriter conditions would have to be cleared prior to closing. So, there is a reason that the TRID laws state that a lender has 45 days to close. I NEED HELP!!! The Short Sale Lender only approved the short sale for 4 days, which is unheard of. The are not only being unreasonable, but they also are not in compliance with the TRID Laws. I have done everything that i can to get this to happen, but if the lender refuses to cooperate, then i have no choice but to get you involved. Please help me.
Consumer complaint received 2019-01-28
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. (FL)

On XX/XX/XXXX I mailed Equifax a dispute letter pertaining to incorrect information they were reporting on my credit file. [ copy of said letter is enclosed ] On XX/XX/XXXX, I sent an additional letter pertaining to the same XXXX XXXX  they reported as 120 days late and still active. None of this was accurate. I also requested they send documentation of this erroneous info bearing my signature and any other documentation that would corroborate this falsehood. 
I also pointed out that failure to provide this information within 30 days as required by the Fair Credit Reporting Act would be a violation of Federal Law. After allowing adequate time for their response I sent a follow-up letter on XX/XX/XXXX [ copy enclosed ] On or about the XX/XX/XXXX they sent an email response, although I did not provide one. It has been fruitless to attempt email communication with them as their system denies me access to their response. That is exactly what happened again as always. Hence I telephoned them on Monday the XX/XX/XXXX, the first time their offices would be open since I received their email response that I could not access. 
This was well after the 30 days permitted to respond by Federal Law. In my conversation with their personnel earlier today he lied and denied receiving the XX/XX/XXXX letters. He would only admit to responding to my XX/XX/XXXX follow-up letter. 
I still have not received any of the verification documents required in my XX/XX/XXXX letters. Therefore, I am demanding the deletion of this negative information from my file as required by The Fair Credit Reporting Act. If required I will be happy to supply proof of the certified letters sent via U.S. Mail. 
The other reporting agencies, XXXX  and XXXX, have long deleted this damaging information.
Consumer complaint received 2019-11-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (TX)

Never received certified letter of intent to repossess, documentation notifying me where the car would be auctioned, how much the car was sold for, after auctioned, of any other information. Company is also reporting inaccurate information about account on my credit reports, which is a violation of the FCRA. Equifax is reporting that account was paid on time XXXX & XXXX, the account was opened XX/XX/2018, and that its an installment loan. Experian is reporting that the account was paid on time in XXXX only, the account was opened XX/XX/2018, and that its an auto loan. Certified letter was sent asking for validation and never received a response.
Consumer complaint received 2022-08-29
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)

My name is XXXX 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. (SC)

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 any purpose.
Consumer complaint received 2018-10-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc. (MD)

On Friday, XX/XX/XXXX, I called and spoke with someone in XXXX XXXX 's office, the solicitor for Amsher. I told them this amount is not validly owed and I am working with XXXX to resolve this matter, and clear my credit and good name. Because this amount is not owed, I should not have to paid it. I do not want to have to take legal action, but will do so, if necessary, to defend my good name and good credit. Amsher 's inaccurate report of an alleged debt negatively affected my credit score by 159 points, and they had not, at that time, made any effort to reach me.