davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-12
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. (TX)

After reviewing my credit report ongoing .. There's a collection Agency..XXXX/ XXXX XXXX , PU .. A Balance of XXXX.. Opening date XX/XX/2019.  That's continuing to appear on my credit Report. I have no idea where this collection came from. i never received any loan from them. And it's showing as if the Account is new.. And I'm not about to be liable for anything i did not do and someone else did it my name ... Police Reports has been sent in to them and all of the Credit Bureaus to have it remove.. And all have done so except Equifax ... This is Really starting to be a pain.. Because what they are reporting is not accurate and it's Fraudulent..
Consumer complaint received 2019-09-17
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)

XXXX ; XXXX and Transunion are reporting incorrectly a collection in the amount of {$1900.00} on XXXX , XXXX from original creditor XXXX XXXX/XXXX partial account number XXXX. ( Please see page attached from my credit report. ) We moved into Unit XXXX and shortly thereafter we saw that the apartment was being invaded by cockroaches and we also saw mouse or rat droppings scattered around the apartment. We immediately contacted the building manager to let them know what we were experiencing however, no action was taken. We also let the building manager know about an extremely noisy vent unit in the bathroom and the decaying ceiling in the bathroom. Several weeks had passed and no action was taken to fix any these issues. My son was having health issues due to the increasing deterioration of the Unit. I have attached several photographs to verify the location and Unit number of the apartment in question. Picture 1 shows XXXX XXXX sign and address ; picture 2 shows the deterioration of the bathroom ceiling and ceiling vent ; picture 3 shows the front door of Unit XXXX. Clearly you can see that the front door does not close properly because it is cracked and bent. Picture 4 shows the extremely poor condition of the exterior of Building XXXX ; Unit numbers XXXX. Picture 5 shows a larger view of the front of Building XXXX ; Unit numbers XXXX. Picture 6 shows the bathroom floor ; the cracked walls ; the gaping hole in the floor ; rotting drywall ; baseboards coming apart from the walls. This is where the cockroaches and other rodents may have been entering the apartment as well. After numerous attempts to get the building manager to fix the living conditions of both the interior and exterior of the apartment, we had no other choice but to vacate the premises. I have attached a copy of the letter from the City of XXXX dated XX/XX/2017 verifying we did report these issues and that the apartment manager had been informed of these issues, but that they did not fix the problems. This incorrect reporting of a collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.
Consumer complaint received 2019-07-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

The following accounts inwhich I'm disputing are not mines and deemed to be fraudulent and I'm demanding that they be removed immediately from my credit file. Please block these accounts, 1 ) US Dept of Education {$3500.00} 2 ) US Dept of Education {$5800.00} 3 ) Dept of ED/XXXX   {$4000.00} 4 ) Dept of ED/XXXX  {$3500.00}
Consumer complaint received 2019-01-04
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. (IL)

I contacted Transunion on XXXX after receiving an email from XXXX XXXX  about a hard inquiry on my credit report from XXXX. I notified Transunion that I had called XXXX support before contacting Transunion and XXXX had no record of an inquiry on my report. Instead of helping me and correcting their error Transunion said that I had to contacXXXX XXXX for a letter of deletion. After calling XXXX   for a second time, I was told that XXXX does not issue letters of deletion and instead told to come to this website, which does not issue letters of deletion from credit reports. It is also alarming that Transunion had records of everywhere I had lived yet on the hard inquiry for XXXX it listed my address as a place I had never lived. XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. Which is a hotel, not my place of residence. I have never even lived in that town or stayed at the hotel. 

The company still has 11 days from when they said they would be done in 60 days but I have received no update or information about the problem that they claimed to be working on.
Consumer complaint received 2019-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC (MD)

I really trying make monthly payments between me and them so I can get my credit back. And I already hired a lawyer but I dont really want waste my money on them I just want started from the bottom to pay my all my debt to XXXXl XXXX. I really need help with that. 
I believe in 2006 With the amount of XXXX
Consumer complaint received 2019-07-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I have notified TransUnion on numerous occasions about the inquiries that are being reported by them. I have contacted the companies like I was instructed to by a transunion customer service rep and they explained to me that they do not have anything on file under my social security number. 

I sent transunion a letter letting them know that and they still refuse to remove the inquires. I sent transunion a letter asking them to send my the documents that they have that show these inquires are valid, but each time I have contacted them they have failed to send me the information I have requested.
Consumer complaint received 2018-09-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (KY)

Online Information Services sent me a letter for an alleged debt I do not owe. When you speak with them they become evasive and hostile which is a flagrant violation of the Fair Debt Collection Practices Act. I have never heard of Online Information Services prior to their letter nor do I owe them any alleged debt. They flagrantly violate the Fair Debt Collection Practices Act with their hostile and evasive debt collection practices.
Consumer complaint received 2019-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (TX)

I have successfully paid thousands of dollars to my Barclays JetBlue card balance without any issues. 

I recently opened a new checking account and added this as a payment method because I have a new job that deposits into this account. 

However, I accidentally chose this method of payment instead of my original checking account, and the account was debited and I was hit with insufficient funds and a {$28.00} returned payment fee. 

Again, this was the first time this ever happened and it was an accident. 

Now, I have made 3 payments of {$250.00}, {$250.00}, and {$500.00} in XXXX. Each one applies but then has a payment hold for more than a week. For instance, I made two payments on XX/XX/XXXX and was told, just now on the phone by Barclays, that they would not be available on my account balance until XX/XX/XXXX. 

So, this is a huge problem for me. The only way to get Barclays to release funds earlier is having a three way phone call with my bank to confirm that the transaction successfully debited my account. 

I have now had to do this twice and each time it takes me 30+ minutes and I am required to ask for a supervisor. 

So, I am either required to wait 8-12 days for my funds OR I am required to place a 30 minute  phone call every time I make a payment if I want it to be applied. 

I asked Barclays, politely, to stop this practice. Furthermore I confirmed with them that I have only ever had an issue with a payment once and they confirmed. 

Again, it was an accident. I was hit with a fee from my bank and from Barclays, and now I feel like I am being discriminated against, financially, with holds placed on my payments because of this one accident.
Consumer complaint received 2021-04-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Army and Air Force Exchange Service (WA)

XXXX XXXX XXXX sent me a letter saying I owe about XXXX and then on the phone said I owed XXXX XXXX due to Interest charges, fees, etc. They also call me 5x a day and are very rude even though Im trying to figure out a repayment plan since I lost my job due to covid.
Consumer complaint received 2019-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I'm XXXX and throughout my life, I've had an excellent credit rating. Never once missed a payment on ANYTHING. Paid off the 2 loans I ever took out well before they were due, and paid {$220000.00} in cash for my Winter home in NV. XXXX saw my credit rating slide precipitously by nearly 100 points. I found out the reason - Capital One, with whom I have 2 credit cards said I exceeded 2/3rds of my available credit limit within a 2 month period on one of my cards. ONE HUNDRED POINTS! Nowhere is this " rule '' noted, and nobody knows about it with whom I've come into contact! To add insult to injury, when I requested a raise in my credit limit to make sure nothing like this happened ever again, they declined, even though it is entirely their fault that my credit rating took a nose dive! 

So, after a LIFETIME of EXCELLENT CREDIT, these vultures destroyed my credit rating in one fell swoop! The reporting agencies sent me paid reports that didn't indicate this whatsoever! Because they answer to no one, they have no  need to be helpful or even cordial. Now my credit score is creeping up by 2 to 5 points per cycle - I'll be long gone before the score even approaches what it had been. 

Where is the justice in this, and what can you do for me?
Consumer complaint received 2019-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX, Transunion, XXXX want supporting documents to show this account on my credit file is fraud. XXXX XXXX XXXX. This is not a duplicate this complaint shows supporting documents of my income and also shows what the dealership falsified, my monthly income as XXXX and I only receive XXXX a month ssi.
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IL)

ive tried a few times to correct this problem the fair credit act states that they need to provide me proof to these inquirys and have not got a thing i want to see proof of my signature and every thing else in regards to these inquirys if they cant provide my signature they need to get those inquirys off my credit report
Consumer complaint received 2019-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AE)

I believe in fact im bery sure that my ex wife XXXX XXXX is the one is doing all this hard inquiries even she took Auto loan as it shows in my credit report, i am a US vetran and working since 2005 in XXXX armed forces. 

Also i would like from the three major credit companies to lock my account for future credit inquiries
Consumer complaint received 2023-10-21
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. (NJ)

on XX/XX/2023 i made a purchase at XXXX XXXX in XXXX XXXX, New Jersey and used {$160.00}. on my cash app card as well as cash in my pocket to pay for the purchase. Prior to making the purchase I realized that i did not have enough cash to pay for the entire invoice. at that point I had my father cash app me {$90.00}. When I paid, initially the money from my father had not been added to my cash app card and the paymnet declined, i forget the exact amount i attempted to charge on my cash app card at that time. I contacted my father and found that he did not complete the cash app transaction. When the credit was added to my cash app balance, i went in and paid for the purchase, using cash and {$160.00} on my cash app card, this amount was different from the original amount that declined. I dont remember the original charge amount, i was unable to access it on my cash app card and cash app online chat over the past few hours was also unable to provide me with the declined charge amount. ( and im sure they could see it on their end ). When they ran the cash app cash card for {$160.00} the amount was deducted from my balance and i never had any reason to look at the charge again. Cash app claims that a portion of that charge was later credited back to my account and I used it. They also stated that XXXX XXXX reran a portion of that amount at a later date and it caused my account to mysteriously be overdrawn last night for XXXX XXXX. As i recall i had {$1.00}XXXX XXXX XXXX  and possibly some change in my cash app balance last evening XX/XX/2023. I had my father transfer {$40.00}. XXXXXXXX XXXX  to my cash app card around XXXX XXXX XXXXXX/XX/2023 and when i went to used my card for {$25.00} it was declined. that is when i looked at my cash app on my phone and it showed me an overdrawn balance of XXXX XXXX When i contacted cash app by chat, they claimed this off the wall story about the XXXX XXXX transaction. However, i did not notice any problem with my cash app balance at all until the prolem last night occurred. I requested that chat with a manager and the chat session representative would not connect me last night. I attempted to contact a cash app supervisor this morning and they would not connect me with a supervisor. at some point in my account, cash app charged me {$160.00} again for the XXXX XXXX charge. the only transaction i have from mr.driveshaft is dated XX/XX/2023. 
Not only did they charge me twice, they were unwilling to have a supervisor even discuss the issue with me. In dealing with cash app over the years i find them to be a very irresponsible organization. I also find them very willing to support those who scam on the internet and unwilling to be unhelpful in resolving account issues that may occur from time to time Cash app owes me {$160.00} Please advise, me as to the status of this issue. 
Thank you XXXX XXXX
Consumer complaint received 2024-03-06
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. (FL)

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Accounts that are being challenged XXXXXXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX
Consumer complaint received 2023-10-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (MO)

I have Cash App and somehow my account was hacked and funds were withdrawn fraudulently. I would chat with online support and they asked me to do strange things like downloading things to take screenshots. And my app was strange. I still XXXX  actually contact support. The way the app is set up now will not allow members
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: Bread Financial Holdings, Inc. (MS)

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 an account without my written instructions. 

15 USCC 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 2024-03-06
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. (IL)

more incomplete information that is not mine on my report. This is the third time in the last XXXX  months XXXX XXXX XXXX need to be removed XXXX XXXX  needs to be removed Evidence is attached below.
Consumer complaint received 2019-07-14
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: TOYOTA MOTOR CREDIT CORPORATION (LA)

They brought me court I had 4 months left on leases to buy after the lease was up I was late in payment and want to pay XXXX to catch my lease up we went court and judge order me to give them they car I pay all that money on that car and I was fighting to keep it they would stop me from trading it at dealership because of they words. I did want to take my XXXX towards bring payment up to date .I FELL THEY CHEAT ME OUT THAT CAR. NOW THEY WANT ME PAY FOR CAR I HAVE IT WAS LEASE. They went on my credit report and put I work for XXXX XXXX XX/XX/2014 and I open my account onXX/XX/2014. I did know till i put my credit report they use my son information but i the one who buy the car they did because they had sold me lemon car. I was going suit them so they put in new car to XXXX me up. now i was at end of my lease did want take my XXXX to be caught up.
Consumer complaint received 2022-08-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (MA)

I had two store credit cards which the stores deceivingly advertised as regular credit cards when I was asked at the registers if I wanted to apply. But even though that is beside the case, when I lost my job and had no money, the interest and the late fees doubled the amount of money that I owed on the store cards. When the collection agencies called me cut a deal with me that if I started paying the most I could afford, of {$8.00} a month, they would erase the late fees and the interest and only charge me for what I originally owed. I had been paying this XXXX per month for almost a year and when I checked on my credit report statement there was no record of it and the balance was still the original balance with the interest and late fees included! So they obviously lied to me and scammed me and took my money all this time with out the balance owed even dropping at all!! So they scammed me and deceived me because they got me to pay them the smallest amount I could afford every month for about almost a year and they stole it because it was not deducted at all from the original balance!!
Consumer complaint received 2019-07-14
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. (MA)

I was applying for a car loan in XXXX, and the dealership rate shopped me. One particular financing company, XXXX XXXX, ran my credit twice in 2 days ( XX/XX/17 and XX/XX/17 ) but the 2nd inquiry was not authorized. I contacted XXXX XXXX directly already, and they were extremely rude. 

I also contacted Transunion, and after multiple phone calls, I was routed to the US Special Handling Division in Pennsylvania, where a supervisor proceeded to tell me that as this was an inquiry, it was a statement of fact, and it was not their responsibility to investigate and that I needed to contact the creditor to request removal. I stated that I knew my rights under the law, and that they had a responsibility to investigate, and they still refused. I asked for the department that oversaw theirs, and was given a phone number to the Executive Resolution Center. 

Additionally, Transunion only allows consumers to submit supporting documents via the web or postal mail, and doesn't offer a fax option, and the majority of the time the web option has severe issues. On top of that, they only allow consumers to have a single dispute open at any given time.
Consumer complaint received 2019-07-14
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Kashia Services (AZ)

Got a pay day loan from inbox loans on XX/XX/2018 for XXXX $ Couldnt pay it back so they started garnishing my wages and they say I owe over XXXX $ and when I try to call the loan company there is no answere and I feel this is a scam