davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-14
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: EQUIFAX, INC. (CA)

I am continually being called on the telephone by this agency over these alleged debts. I am requesting validation of this debt.These accounts had been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. 
I am sure that I settled these accounts and they were not mine. This account was taken care of with original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2022-08-28
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. (GA)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX and XXXX XXXX XXXXXXXX have 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 an account without my written instructions.
Consumer complaint received 2022-01-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am continually being called on the telephone by this agency over these alleged debts. I am requesting validation of this debt.These accounts had been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. 
I am sure that I settled these accounts and they were not mine. This account was taken care of with original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2023-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (SC)

on XX/XX/XXXX I contacted Cash app to change my username. 
They changed my user name from XXXX to XXXX. 

I received a payroll deposit to my account on XX/XX/XXXX for {$350.00} and on XX/XX/XXXX for XXXX Cash app changed my account number and the username instead of just the username. 
In doing so i was unaware of payments or deposits because cash app rep basically created a new account. 

I have my full account number and deposit information along with pay statements. 
XXXX confirmed that the bank did not reject the payments and that it went to my account that was on my direct deposit information. 
Due to it being outside of the 5 day window they could not issue a stop payment. 

My manager contacted cash app, XXXX contacted cash app and no one knew how it happened. 

As of today Cash APP and XXXX XXXX  are holding my funds of {$790.00} and refuse to transfer it to my cash app account or mail a check. I have an email where the customer service rep says that he can't help me
Consumer complaint received 2019-10-03
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. (VA)

I received a notice on my Equifax report on XX/XX/XXXX XXXX XXXX XXXX for the collection amount of {$210.00} that was paid on XX/XX/XXXX! This is not my account and why would it just now be showing on my report all the way from XXXX this is a total violation of my rights! Equifax has been making a lot of mistakes and I want it corrected now! I will seriously be reaching out to my lawyers!! This was not on my credit file before XX/XX/XXXX. Equifax is lying about the date reporting!!
Consumer complaint received 2022-01-26
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. (NY)

This particular account is undoubtedly placed as a charged-off account, make sure you tell me the reason why there is a {$3800.00} balance indicated on the statement if its a charge-off? The balance is truly incorrect. You have to withdraw this from my personal file. 
( XXXX XXXX XXXXXXXX Date opened XXXX XXXX, 2018 Balance {$3800.00} )
Consumer complaint received 2022-01-26
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)

This particular account is undoubtedly placed as a charged-off account, make sure you tell me the reason why there is a {$3800.00} balance indicated on the statement if its a charge-off? The balance is truly incorrect. You have to withdraw this from my personal file. 
( XXXXXXXX XXXX XXXXXXXX Date opened XXXX XXXX, 2018 Balance {$3800.00} )
Consumer complaint received 2019-10-05
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. (TX)

Have been back and forth with your company regarding XXXX XXXX. This account is a result of identity theft and does not belong to me. Have also contacted XXXX XXXX and the credit can not validate this account so how in the heck are you verifying it. Not only that after I informed you that was a result of identity theft it should have been blocked and an investigation taken place yet that was not done either so you have not followed the law. XXXX XXXX has no contract bearing my signature no can provide proof of a valid driver license that was issued to open this alleged account. Please remove from my credit file immediately.
Consumer complaint received 2022-02-19
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: SYNCHRONY FINANCIAL (SC)

I have several inquiries on my report that is not mine. I have contacted the companies, XXXX, and XXXX to try and have it corrected but no action as of yet. I could really use your help to correct these fraudulent inquiries. 

XXXX = XXXX XXXX XXXX XXXX = XXXX XXXX XXXX XXXX XXXX XXXX XXXX = XXXX. XXXX XXXX XXXX XXXX XXXX XXXX = XX/XX/XXXX XXXX XXXX XXXX =XXXX. XXXX XXXX XXXX = XXXX. XXXX XXXX XXXX = XXXX XXXX = XXXX. XXXX XXXX Synchrony Financial = XXXX. XXXX XXXX
Consumer complaint received 2018-06-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2018 I was obsessively checking my online banking account with chase because I had used it at XXXX and XXXX XXXX and my husband had sent me {$40.00} to cover the charges through XXXX. I wanted to make sure that the charges will still pending so that when the XXXX XXXX deposit would hit at midnight it would be covered. I went to bed at like XXXX and noticed they were still pending so I said good they wont post until tomorrow, perfect! The next day I woke up with 2 overdraft charges because 2 checks ( one for {$6.00} and the other for {$11.00} ) that I had given to someone over a month ago. I called chase to ask them why those checks were not on my online banking the day before if they were cashed during the day. They said theyre system does not show checks until XXXX the day of and that if I didnt want an over draft I had to make sure theyre was money in the account by XXXX the day the checks were deposited. I explained to them that how was I suppose to know that the checks were gon na be cashed that day. Also if they want people to deposit by XXXX the day the checks were cash why dont they post it in their online system before XXXX so that a consumer can know! Or if they want to continue posting the checks cashed until XXXX they should allow consumers to make a deposit the day after. This is unfair, abusive and deceptive because the consumer does not know the checks have been cashed that day because chase wont allow them to see the checks until XXXX which by the way half of their consumers are already asleep.
Consumer complaint received 2018-06-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Byrider Franchising, LLC (FL)

Ive explained that I have been out of the country for 10 years to XXXX FL XXXX and that the account they have is fraudulent. With proof. They have refused to take this debt off of my credit report and will not remedy this situation. This is affecting my livelihood and preventing me from creating a better life for my family as a man. My name is damaged. My credit is destroyed because of this and their tactics. If I owned this debt I would pay it. I have integrity but this is not my debt and is fraudulent.
Consumer complaint received 2022-08-26
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: World Acceptance Corporation (AL)

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, WORLD ACCEPT failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts.

WORLD ACCEPT Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts.

WORLD ACCEP
T Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge. 
On the date XX/XX/2XXXX  XXXXXXXX XXXX, agent, d/b/a XXXX XXXX XXXX came before me today present as flesh and blood living being ( non-entity/non debtor ) under oath to the most high of creation only and provided the facts listed herein.
Consumer complaint received 2023-07-20
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: Block, Inc. (UT)

Received a letter from Square for a business debit card. Thought card was advertisement since it did not include any terms and conditions or account agreement. There was not Truth in Lending Act related materials at all, just a card. I realized the business debit card may have been legitimate as it had an account number, CVC code, and expiration date. This happened on XX/XX/2023. I called Square at XXXX and requested a call back in their IVR as that was an option. An agent called me back from the same number at XXXX XXXX  MDT which got me with a " Hardware Installment '' agent. The agent I spoke with could not connect me to a fraud department. They said their fraud department is not customer facing and could not call me back. The agent could not provide details about what date the account was open. I asked if someone needed a social security number to open the account, and they said it is optional. I asked if there was a social security on file, and they said no. The agent told me that when a social security number is entered for an application it encrypts it for them as agents so they do not have a way to distinguish if one was given at time of application or not. The Square business debit is issued by XXXX XXXX, member FDIC. Square  has very vulnerable security as it appears they will let anyone open a business debit card account and does not cooperate with consumers to get additional details when there is a legitimate identity theft concern. All they said was to contact the police. I have no idea what type of account ownership dispute Square does if the " Hardware Installment '' agent is acting in the capacity of a fraud agent and does nothing to help.
Consumer complaint received 2022-01-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FREEDOM FINANCIAL NETWORK (MA)

I am currently dealing with Freedom Debt Relief for 12 debts. 

1 ) 4 have been currently paid off ( I think ) 2 ) 4 have been settled agreements and are being paid ( I think ) 3 ) 4 more to settle. 

Freedom Debt Relief will not provide me documents stating which have been paid off and which are being currently paid off. I have zero idea if anything has been officially paid or if anything is currently being paid. 
I'm looking for a simple statement of such. 
They do have some kind of dashboard for me to view but nothing simple stating actions and finalities. 
*If I ever walked into court I believe a judge would laugh me out of there.I have no clear statements of settlements either final or ongoing. 
*I made it clear to them that oral conversations are not acceptable anymore and I want everything in writing, for I get different responses when I ask questions. 

In addition they settled an account a few weeks ago but I didnt accept it, I'm looking to see if they are going to charge me fees for it which our agreement states that they Can Not unless I agree to settlement. 

Theres more concerns to this company as well, but I need to start somewhere.Again, I try and speak with them but feel very misled when I do. 
Hope you can help me along and truly appreciate you being there for consumers.
Consumer complaint received 2024-05-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AR Resources, Inc. (GA)

On XX/XX/XXXX AR Resources hit my credit with collections on two separate accounts one totaling {$1100.00} and {$880.00} stating that XXXX XXXX XXXX XXXX is the original creditor however nothing about the account including balance and open date is correct. Also, the bill I had with XXXX XXXX XXXX XXXX has/had been bought and transferred to XXXX XXXX XXXX that I have made payments to. I recently received a letter stating XXXX XXXX has transferred the loan back to XXXX and it is on an ACTIVE payment plan that is NOT past due and NOT late. I am requesting this be removed from my credit immediately as this should not have been put into collections. No letter, email, or phone call has been received from XXXX XXXX or XXXX XXXX XXXX XXXX stating ownership of this bill has changed. I am also ( and prevouisly requested from AR Resources in a XXXX XXXX XXXX complaint to which they have not responded ) requesting an itemized report showing original open date of the account, original amount, and then payments that I have made both to XXXX XXXX  XXXX XXXX and XXXX XXXX reflecting on the current balance.
Consumer complaint received 2019-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

credit card # - - - XXXX was paid off in full at one time and the account was closed, on XX/XX/XXXX. The check and the payment letter were sent by certified mail with a receipt and Capital One Bank mailed me a receipt. I still have all of these documents. 
on XX/XX/XXXX, ( 3 ) Three years later, Capital One sent me a claim statement for the same balance that I paid off on XX/XX/XXXX. They immediately turned it over to collection without any notice or a hearing. Capital One Bank refused to provide any evidence of the who, what, when, where or how of any new transactions to the closed account. 
Capital One refuses to talk to me, at any of there several ph numbers. As soon as I put in my account # I am transferred to a collection agency. I tried to E-mail them and I even sent a certified letter to the CEO, XXXX. XXXX, in VA, and one to there UT office, requesting information on the transaction, all of my statements and especially a FOIA and a PAR request. They refuse to provide any information or evidence of a charge. This is an URGENT situation as I the collection agency is trying to get my money.
Consumer complaint received 2021-12-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (IL)

Enhanced Recovery Company , LLC sent a dunning notice dated XX/XX/2021 addressed to me. The notice stated that I owe them an alleged debt of {$270.00} for Account # XXXX. Enhanced Recovery Company , LLC sent the notice to an address where I do not reside. This account is identity theft, I filed a FTC report with the consumer reporting agencies when XXXX XXXX XXXX sold the alleged debt to XXXX, XXXX debt collection agency, their account number for this alleged debt was Account number # XXXX for {$270.00} ( notice both account numbers are different for each debt collection agency ). XXXX terminated collection efforts due to identity theft. I find it strange that Enhanced Recovery Company LLC is collecting XXXX cent more than XXXX, please be know it is against federal law for a debt collection agency to add fees on to a debt balance. Also in order for a debt to be a in fact a debt there must be a transaction involved, I have no relationship with Enhanced Recovery Company LLC so there is no voluntary transaction, I am also not contractually included in the business transaction between Enhanced Recovery Company , LLC and XXXX XXXX XXXX. And from reading my consumer report XXXX XXXX XXXX has charged off this alleged debt which means the alleged debt is not collectable, therefore there is no longer a transaction. If Enhanced Recovery Company , LLC decides to pursue to place this alleged debt that resulted from identity theft on my consumer report, let it be known that I sent Enhanced Recovery Company , LLC a Notice of Dispute ; Demand for Validation and Proof of Claim letter detailing the documentary evidence I will need to validate this alleged debt pursuant to federal law, if I don't receive such documentary evidence in XXXX days your claims of me owing you {$270.00} will be invalid and dismissed.
Consumer complaint received 2022-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Chime Financial Inc (OH)

I have contacted Chime XXXX XXXX about my Money I have put towards my credit every week! XX/XX/2021 and my identity has been used by an authorized person and purchased devices etc in my name money off my credit cards and also my XXXX stimulus in XXXX has been also taking away from me through my Chime account
Consumer complaint received 2019-11-13
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC (TX)

I Did a title loan on my car a XXXX  XXXX XXXX XXXX to XXXX On my monthly payments they want Payments of XXXX honors and something a month and if I am late then I have to pay a little over {$800.00} a month I can not afford. I'm on a fixed income of XXXX of Of {$720.00} a month.. I receive my XXXX on the XXXX of the month and I also have bills and rent to pay as well Out of the XXXX I need to pay title Max over {$500.00} a month for the loan and sometimes i don't have enough to buy food or pay my electric or my rent on my fixed income so if i pay partial of my loan payment they charge me {$800.00} I don't even get {$800.00} a month and my XXXX therefore there's no way I can survive pain electric bill food or rent and {$500.00} a month on this loan I went in there a few times because I was I was O I'm a few days late so instead of paying $ 500 day were charging me {$800.00} which I don't have and I tried to give them {$600.00} they refused to take the {$600.00} said that they were going to repossess my car My car is the only thing that I have that I own in a did this title loan and I'm on a fixed income and they are just over charging me and threatening me every single month that they're going to come and get my car because they know that I can't make the payment I feel I'm taking advantage of them knowing that I can't afford it and they did the loan just that with a can take my car that I own they wont-work with me on payments or anything whatsoever