davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-27
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. (NC)

This complaint is about cashapp I broke my phone had to get a new one and could no longer access my account so I had to make a new account and I sent them all information on the old and new account and sent state ID cash app Verified all my information and who I was and refused to Transfer the money in my older account XXXX plus dollars to my new account and also refused to give me access to my own money or account this is not the 1st 2nd or 3rd time they have done this They continually keep taken my money on different accounts Indications when same situation had happened with my phone I do XXXX XXXX so it gets broke a lot and I have to change phones which means I have to try to get it back into my account that you have refused me access every single time and every account that has happened to has had money on it and they refuse me my money also even after being verified im unwilling to let it go this time cause they are stealing people 's money and its Unacceptable I have tried contacting them concerning this matter numerous times only to be hung up on and talk to very rudely and disrespectfully refuse to let me speak to a supervisor or anyone in charge Can get no help whatsoever they can not just take peoples money its stealing i don't care how big your company is when u take someone's money and refused to give someone something they worked hard for its stealing bottom line and then Have the nerve to say that they're protecting me you're not protecting me by stealing my money you're no their company is no better than criminals out on the street strong arm robbing people they're doing the same dying and They think that they are doing it legally Something has to be done
Consumer complaint received 2022-08-28
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. (AR)

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 2019-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IN)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX SSN : XXXX | XXXX : XX/XX/XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Dear Experian : Im writing to dispute the following incorrect information on my credit report. The items I dispute are on the attached screenshots of my credit report. 

Incorrect Personal Information Previously disputed.

- I am requesting that you delete this inaccurate inquiry from my Credit Report immediately and forward an updated copy of my Credit Report after you have corrected this information. 
- By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute. 
Unrecognized/ Authorized inquiries previously disputed. I know ask for your method of verification for these. Either furnish proper verification or delete these immediately. 
- I am requesting that you delete this inaccurate inquiry from my Credit Report immediately and forward an updated copy of my Credit Report after you have corrected this information. 
- By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute. 
Lastly, be sure to include the name and address of the Company or individuals who were directly contacted in regards to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2015-05-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (IL)

I have informed XXXX XXXX many time that XXXX XXXX bank has fail to verify the accuracy of this account Under FDCPA Section 809. Validation of debts [ 15 USC 1692g ] .The amount owed is incorrect XXXX XXXX bank claim to have received payments I did not make. my name is incorrect.
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)

In accordance with the Fair Credit act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a 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 2023-10-27
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. (OH)

You are a dishonest company that makes false statements to customers on XXXX. Refusing to reply to customer information, when the customer complained, he directly failed to collect the customer 's funds for XXXX based on the XXXX terms, ignored the customer 's request, maliciously used the payment terms, did not proactively contact the customer, and violated consumer rights. You are a XXXX XXXX XXXXXXXX!!! Your previous reply was perfunctory to the customer and there was no reply. You should pay back the money quickly!!!!
Consumer complaint received 2022-07-11
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. (GA)

Date updated inaccurate fcra violation delete account XXXX Date updated inaccurate fcra violation delete account XXXX XXXX  XXXX Date updated inaccurate fcra violation delete account XXXX XXXX XXXX Date updated inaccurate fcra violation delete account XXXX XXXX Date updated inaccurate fcra violation delete account XXXX XXXX Date updated inaccurate fcra violation delete account XXXX XXXX  Date updated inaccurate fcra violation delete account XXXX XXXX Date updated inaccurate fcra violation delete account XXXX XXXX XXXX XXXX  Date updated inaccurate fcra violation delete account XXXX XXXX XXXX Date updated inaccurate fcra violation delete account XXXXXXXX XXXX, XXXX XXXX Date updated inaccurate fcra violation delete account
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AL)

[ XXXX XXXX ] [ XXXX XXXX XXXX ] XXXX, AL XXXX ] [ XXXX ] [ Your Phone Number ] [ Date XX/XX/2024 ] Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax, I am writing to address significant inaccuracies present in my credit report, as provided by your agency, in accordance with 15 U.S. Code 1681, which guarantees accuracy based on federal law.

Equifax credit report errors can encompass outdated personal information, mixed credit files, incorrect account details, and indicators of potential fraud. Recent admissions by Equifax reveal misreporting of credit scores, potentially impacting applications for mortgages, auto loans, and credit cards due to a coding issue during a technology change.

These reporting errors have severely impacted my credit, resulting in denials of credit for both personal and business endeavors. I am disputing the following fraudulent collection errors : XXXX XXXX XXXX - Reported : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Additionally, fraudulent hard inquiries have been reported. Complaints have been filed with the Federal Trade Commission and Consumer Financial Protection Bureau against the following institutions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  United States I urge Equifax to investigate these discrepancies promptly and remove all inaccurate reportings from my credit report. Timely resolution of these issues is crucial to ensuring the integrity and fairness of my credit profile.

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-01-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC (MS)

You do not help people. You take complaints, but take no action. You accept Ditech 's response and close complaint. Ditech lied about the way things were handled, but you would do no further investigation. You accepted their response at face value. What kind of help do you actually give? 

Ditech Financial LLC should be investigated. There are many complaints against the. What good do you do if you don't look into Ditech? 

I can prove Ditech lied, but you won't look any further. 

I DON'T THINK YOU ARE DOING YOUR JOB.
Consumer complaint received 2019-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IN)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX SSN : XXXX | XXXX : XX/XX/XXXX Equifax XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, GA XXXX Dear Equifax : Im writing to dispute the following incorrect information on my credit report. The items I dispute are on the attached screenshots of my credit report. 

Incorrect Personal Information Previously disputed.

- I am requesting that you delete this inaccurate inquiry from my Credit Report immediately and forward an updated copy of my Credit Report after you have corrected this information. 
- By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute. 
Unrecognized/ Authorized inquiries previously disputed. I know ask for your method of verification for these. Either furnish proper verification or delete these immediately. 
- I am requesting that you delete this inaccurate inquiry from my Credit Report immediately and forward an updated copy of my Credit Report after you have corrected this information. 
- By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute. 
Lastly, be sure to include the name and address of the Company or individuals who were directly contacted in regards to this matter. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 1681i, Paragraph ( 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 XXXX, XXXX XXXX XXXX
Consumer complaint received 2020-09-15
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. (FL)

By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. The following items need immediate attention : XXXX XXXX account number XXXX I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Consumer complaint received 2019-01-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (NY)

I have put in for disputes I recently XX/XX/XXXX Have received a call from my parents home about being served papers of a court summons dates XX/XX/XXXX Not giving me the proper timing to respond This has shown on my credit report by two different collectors I  have no idea the debt their collecting And frankly feel like their fraudulently doing this ... 


Last year XXXX XXXX XXXX asked me to pay a large lump sum through some account I did and its still on my report after sending XXXX  two years ago its still there .... 

So this makes me feel like this maybe something similar that their trying to pocket money for a sycophany bank I do not recall any loans from this bank
Consumer complaint received 2020-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I opened the credit card account with Capital One on XX/XX/2013. Capital One is overcharging interest rates and interests amount on my credit card. I am paying {$37.00} per month on {$1700.00}, amount owed. I have tried to speak with Capital One about lowering the interest rate but the company has refused to work with me in any way. These excessive and abusive interest rates and amounts of {$37.00}, is causing me financial hardship. I have asked to closed the credit card but Capital One has refused to stop the interest charges of {$37.00}. I want to pay off the remaining balance without these excessive and predatory lending business practices. I am a XXXX American Veteran and a senior citizen, and can not afford these excessive charges. I am asking for Capital One, to allow me to close my credit card account, and pay just the balance of the account without recurring interest charges.
Consumer complaint received 2019-01-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C. (MD)

Trident Asset Management is reporting a account on my credit report XXXX, XXXX   and XXXX which does not belong to me. The account shows a open status from XX/XX/XXXX to present. I reached out to the company on XX/XX/XXXX about this account and did not get any help with the matter.
Consumer complaint received 2019-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BB&T CORPORATION (MI)

On XX/XX/2018 I filed a Chapter XXXX Petition in the XXXX, MI Federal Court.  Sometime in XX/XX/2018 my plan was confirmed and the auto financed through XXXX XXXX was ordered to be surrendered. In XX/XX/2018 the lender retrieved the vehicle from my residence and sold it at auction leaving a residual balance of around {$9000.00} which was rolled into my Wage Earners plan to be paid at 100 %. XXXX reports to XX/XX/XXXX and XX/XX/XXXX. They are currently reporting correct information to XX/XX/XXXX, however, for some reason they reported nearly 12 months of late payments that destroyed my report. I disputed this item and called the creditor numerous times and requested they correct their XX/XX/XXXX reporting. They verified their reporting was incorrect and verified that they sent over the correct information to XX/XX/XXXX on 3 different occasions. XX/XX/XXXX alleges they never received the updated information so my score is still suffering because of this one account and XX/XX/XXXX 's " simple '' upload process does not work as it says my 2 pages document to prove this error is " too large to upload ''. The XX/XX/XXXX Dispute team is not helpful what so ever and the guy I talked to today even hung up on me.
Consumer complaint received 2023-08-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

USAA Sent me a letter on XX/XX/XXXX when I was out of the country stating they were closing my accounts ( all of them ) with no reason or no ability to appeal. I have been a 15 year customer with no change in behavior and over XXXX on deposit at all times. 

They refuse to disclose why or allow an appeal
Consumer complaint received 2023-08-14
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: Prosper Marketplace, Inc. (GA)

It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent 3 previous letters to you, requesting that you remove inaccurate information from my file and you have failed to do so. 

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. 

If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself.

I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TX)

I am seeking assistance on a dispute that has been reported on my credit report to my knowledge since XX/XX/2022. I've disputed the inaccurate information with the creditors to no avail. I feel defeated and helpless at this point. I am asking that you take immediate action to correct the errors that you have made on my credit report.
Consumer complaint received 2019-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have sent several certified letters to Transunion requesting their method of verification. The company has failed to provide any of the proof I requested. I have asked that they perform an independent investigation of the accounts I have disputed and send a copy of the information that proves the information was verified by the original creditor. Transunion has not provided any method of investigation as I have requested on several occasions
Consumer complaint received 2023-08-13
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)

I am not liable for this debt with capital one. I do not have a contract with capital one. They did not provide me with the original contract as requested. 

I am not liable for this debt with XXXX  XXXX XXXX XXXX. I do not have a contract with capital one. They did not provide me with the original contract as requested.
Consumer complaint received 2021-04-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Omega RMS, LLC (ID)

Please see attached detailed letter. I purchased an online coaching system for Realtors in 2019 from XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. One of the options to pay for the coaching was to pay a third-party financer a certain amount per month over time. After some initial negative experience with the company, I cancelled within a time frame allowed in their contract. I was told I would have to work directly with the third party financer, not XXXX and XXXX XXXX XXXX XXXX. I reached the financer and was given by phone a prorated amount ( {$840.00} ) due for the contract on the day I tried to cancel the service ; however, the individual on the phone said they did not know how to provide me with a final invoice or billing for the service and said they would have to get back to me. I never received a call back so contacted them the next day. I received the same runaround, but unfortunately was told I owed a higher amount. This went on for several days without them providing me something in writing that showed I was closing out my service and would not owe further money, yet every day they were charging me a higher amount to close out my service. I did not ever receive any of the coaching services - per the letter attached as I called to cancel directly after inital account setup. My account was sent to collections 2 years later for the full service amount of {$3600.00}. The collections company had no interest in settling the debt for the {$840.00} - in fact they never went back to XXXX and XXXX XXXX XXXX XXXX XXXX with an offer to settle. Now I have a collections amount on my personal credit report for the full service amount of a service I did not use even though I did cancel the service within the time frame allowed by their contract.