davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (CA)

Ok so i have a cash app account and XXXX XXXX XXXX is XXXX XXXX company they rent scooters here in XXXX XXXX California where I'm currently living they have been trying to take {$6.00} cents out of my account almost for a year they were successful three times on taking {$6.00} out of my account on three separate occasions and I called Cash app and said I've never ridden their scooters I've never used their services or their products don't let them take any more money out of my account I put a block on them and I've been trying to get this {$6.00} * 3 refunded back to me from cash app and they just refused to do so and I don't know why and I can't get them to fix this problem. Again I've never used lime scooters I've never rented one of their scooters and the XXXX is like a monthly recurring fee if you become a member of their whatever but I've never done that so I don't even know how they got my card number cash app has put a block on them so they understand that it's a fraudulent charge yet they refuse to refund me the XXXX times that they charged me {$6.00} which makes no sense to me I've tried everything I've got lots of correspondence between me and cash app and they just seem to be running me in a circle. This started back in XXXX of XXXX  and I've been trying to get the money back ever since. Again the XXXXXXXX XXXX XXXX who shows up on cash app as XXXX XXXX XXXX .... XXXX, novemeber XXXX  and XX/XX/2022. And on a side note if you XXXX XXXX restore balance you'll find thousands I mean thousands of people who are experiencing the same problem as me with them just fraudulently taking money out of their bank accounts everything it's unbelievable that these people aren't being held to some criminal charges
Consumer complaint received 2019-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX  XXXX sent a letter stating the item would be deleted from my credit report. The item still remains and Trans Union keeps stating the item is verified. How are they verifying an item that should be removed as per the creditor. I am requesting this item be removed asap. Seeing as how as a result of my letter requesting validation, XXXX was unable to validate and lettered addressing removal. Trans union should not be marking this item as verified. Please see letter and credit report attached that shows they are still stating this item is verified.
Consumer complaint received 2022-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

Recently I have noticed some incorrect information on my credit report. I have reached out to XXXX, Transunion, and XXXX for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote them.
Consumer complaint received 2022-09-02
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 (GA)

On XX/XX/2022 A lady at XXXX XXXX XXXX attempted to charge us for Online tickets for the XXXX XXXX XXXX XXXX XXXX. On that Night She attempted several options which inadvertently charged me for game ticket on XXXX of {$150.00}. 

She then charged my card for another {$120.00}. When informed of double charges she then state that I can contact XXXX for cancellation and get refund. After several attempts to get my refund, I contacted CapitalOne to address the situation. 

Capitalone obviously neglected all my information and just refused to address my case. I then call twice CapitalOne to help again. A lady on the phone stated that they will reinvestigate after I submit a written document. I then filled out all the paper and return back to CapitalOne and till today capitalize has not resolved my situation.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (MO)

I sent a letter on XX/XX/XXXX to Experian and XXXX to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) Experian and XXXX are XXXX to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XXXX XXXX XXXX Balance XXXX {$1800.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$120.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX OF XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX A XX/XX/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 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
Consumer complaint received 2019-02-06
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. (TX)

There are items in the Collections section of my credit report that are in violation of my rights under HIPPA and FCRA laws. Why is information about my medical history or anything about my medical providers being published. I have asked for this information to be removed several times. If not removed after this request I will proceed with legal process to sue as part of my legal rights
Consumer complaint received 2019-09-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Society Business Services, Inc. (TX)

After reviewing my credit profile on XX/XX/2019 I identified a discrepancy with an account listed under Bureau of Med Economics. I requested a validation on XX/XX/2019 as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2019 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me despite my credit report reflecting that the account is disputed and therefore a 2nd validation letter was sent out on this day. I do not believe the account belong to me nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the accounts belong to me and all information is correct.
Consumer complaint received 2019-02-06
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. (AL)

Was hospitalized for an extended period In late XXXX due to auto accident. Former friend used some of my credit accounts without my consent or knowledge. Police report filed. He was convicted of theft. I was not held responsible by other creditors as it was through fraud and theft. I have resolved all issues with other creditors that were likewise defrauded. I have open and in good standing with XXXX XXXX to this day. The erroneous reporting concerns two old accounts I formerly had. I have contacted XXXX XXXX and the reporting agencies. XXXX XXXX long ago ceased any collection activity and issued me new accounts. But my credit report still shows these two negative accounts, much to my detriment.
Consumer complaint received 2019-09-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: American Credit Acceptance, LLC (NC)

My issue is with American Credit Acceptance i puchase the car. XXXX XXXX XXXX from XXXX XXXX in. XX/XX/XXXX. The car was in the shop the first week i thought it would be fine but after that it was in the shop at least 5 times the first year it was a lemon car and they knew that i aksed them to drop some of that high insterst and payment so i can pay it off i surrendered. the car in XXXX soon as it passed inspection the DMV said its worth XXXX Dollars its still sittng in the mechanic shop for months they still billing me and messing with my credit instead of getting thr car fix and selling it i have paid them over XXXX dollars and they can sell that car and get the rest of they money cause they still saying i owe XXXX after paying all them payments and that money. they are crooks and they better work something out with that mechanic. that storage fee and get they lemon car cause they not going to get one dime from me im through with that car and them let them bother XXXX. thats who they bought the lemon from
Consumer complaint received 2019-01-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: VALLEY NATIONAL BANCORP (NJ)

3 unauthorized debit charges on XX/XX/XXXX totaling {$77.00} DBT PURCHASE ON XX/XX/XXXX @ XXXX / INTERNATIONAL SERVICE FEE CARD NBR : XXXX {$2.00} DBT PURCHASE ON XX/XX/XXXX @ XXXX / XXXX XXXX XXXX CARD NBR : XXXX {$75.00} DBT PURCHASE ON XX/XX/XXXX @ XXXX / XXXX XXXX XXXX WA CARD NBR : XXXX {$0.00} Submitted an affidavit through XXXX XXXX branch but didn't receive any feedback or credit back. Tried calling customer service and they are not helpful.
Consumer complaint received 2022-09-02
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)

I opened a credit builder secured loan with XXXX XXXX on XX/XX/XXXX and made my payments on a bi-weekly basis. The full amount of the loan was never provided to be upon the initial agreement with XXXX XXXX but that at the end of the loan I would receive any funds placed into the secured credit builder loan. 

On XX/XX/XXXX, I received an e-mail directly from XXXX XXXX stating that I had 30 days to pay off my credit builder loan with the amount due of {$390.00}. I made my payments in full for the amount of {$390.00} to XXXX XXXX as to end my Business with them. 

I was monitoring all 3 of my credit reporting agencies during this time period where I had paid {$390.00} to satisfy the account with XXXX XXXX and I noticed XXXX XXXX inaccurately reported the account as a charge off when it was never in a charge off status as of the date of the letter that I received. I also satisfied XXXX XXXX 's request to pay the {$390.00} within 30 days and did so online/through XXXX XXXX XXXX XXXX app. 

After completion of this, nothing has been done on XXXX 's side after I filed a dispute with XXXX stating the facts of the inaccuracies. 

This account with XXXX XXXX has been inaccurately reporting as " paid, was a charge off '' when this is not the case per the above statement from email communication I received from XXXX XXXX  on XX/XX/XXXX informing me they will be selling my debt to a third party after 30 days if not satisfied by XX/XX/XXXX. 

As a result this has impacted my credit file for several months when the account was paid in full. I also was able to login to my account as of the date of this communication to verify that XXXX XXXX stated the following, " Your loan has been paid off and escrow funds of {$180.00} has been successfully withdrawn. '' XXXX XXXX provided me with a refund after I paid off my loan. All of this including the amounts XXXX XXXX has reported are inaccurate and I request the removal of this account in its entirety for this reason.
Consumer complaint received 2020-12-23
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2022-09-02
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. (FL)

I opened a credit builder secured loan with XXXX XXXX on XX/XX/XXXX and made my payments on a bi-weekly basis. The full amount of the loan was never provided to be upon the initial agreement with XXXX XXXX but that at the end of the loan I would receive any funds placed into the secured credit builder loan. 

On XX/XX/XXXX, I received an e-mail directly from XXXX XXXX stating that I had 30 days to pay off my credit builder loan with the amount due of {$390.00}. I made my payments in full for the amount of {$390.00} to XXXX XXXX as to end my Business with them. 

I was monitoring all 3 of my credit reporting agencies during this time period where I had paid {$390.00} to satisfy the account with XXXX XXXX and I noticed XXXX XXXX inaccurately reported the account as a charge off when it was never in a charge off status as of the date of the letter that I received. I also satisfied XXXX XXXX 's request to pay the {$390.00} within 30 days and did so online/through XXXX XXXX XXXX XXXX app. 

After completion of this, nothing has been done on XXXX 's side after I filed a dispute with XXXX stating the facts of the inaccuracies. 

This account with XXXX XXXX has been inaccurately reporting as " paid, was a charge off '' when this is not the case per the above statement from email communication I received from XXXX XXXX on XX/XX/XXXX informing me they will be selling my debt to a third party after 30 days if not satisfied by XX/XX/XXXX. 

As a result this has impacted my credit file for several months when the account was paid in full. I also was able to login to my account as of the date of this communication to verify that XXXX XXXX stated the following, " Your loan has been paid off and escrow funds of {$180.00} has been successfully withdrawn. '' XXXX XXXX provided me with a refund after I paid off my loan. All of this including the amounts XXXX XXXX has reported are inaccurate and I request the removal of this account in its entirety for this reason.
Consumer complaint received 2019-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-06
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. (AL)

Was hospitalized for an extended period In late XX/XX/XXXX-XX/XX/XXXX due to auto accident. Former friend used some of my credit accounts without my consent or knowledge. Police report filed. He was convicted of theft. I was not held responsible by other creditors as it was through fraud and theft. I have resolved all issues with other creditors that were likewise defrauded. I have open and in good standing with XXXX XXXX to this day. The erroneous reporting concerns two old accounts I formerly had. I have contacted XXXX XXXX and the reporting agencies. XXXX XXXX long ago ceased any collection activity and issued me new accounts. But my credit report still shows these two negative accounts, much to my detriment.
Consumer complaint received 2021-06-26
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Shellpoint Partners, LLC (AK)

I CONTACTED LOAN SERVICING ON XX/XX/XXXX AND XX/XX/XXXX BY EMAIL. I RECEIVED A GENERIC RESPOND ON XX/XX/XXXX AND XX/XX/XXXX. THE EMAIL STATED " WE ARE WORKING ON GATHERING THE INFORMATION AND WILL RESPOND AS SOON AS POSSIBLE. '' I STILL NOT HEARD BACK FROM SHELLPOINT. 

I ALSO CONTACTED MR. XXXX XXXX BY EMAIL ON XX/XX/XXXX AND HAVE NOT HEARD BACK FROM MR XXXX. 

THE REASON FOR REACHING OUT WE NOTICED LATE PAYMENTS ON OUR CREDIT REPORT FRO XXXX AND XX/XX/XXXX. WE REQUESTED A DEFERMENT DUE TO MEDICAL ISSUES AND LAID OFF DUE TO COVID. WE REQUESTED FOR THE LATE PAYMENTS TO BE REMOVED FROM BOTH MY HUSBAND AND MY CREDIT REPORTS. I SPOKE TO CUSTOMER SERVICE OVER THE PHONE AND WAS TOLD I NEEDED TO CONTACT THEM BY EMAIL OR DISPUTE IT THROUGH THE CREDIT BUREAUS.
Consumer complaint received 2022-09-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmerAssist A/R Solutions, Inc. (FL)

AMERASSIST AR SOLUTION inaccurately reports as a debt from a creditor XXXX XXXX XXXX. 

I have never conducted business with either of these companies and requested documentation with my signatures which stated I had any type of transaction with these companies but have failed to receive them. 

The companies have placed this on my credit file and it is inaccurate.
Consumer complaint received 2022-09-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My bank account was breached and I was charged thousands of dollars in transactions overseas somewhere in XXXX and somewhere in XXXX and the bank doesnt seem to want to give me my money back or shiw me a detailed reason why theyre not refunding my stolen money or given me a list of what they investigated and where my money went.
Consumer complaint received 2022-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (UT)

Recently I have noticed some incorrect information on my credit report. I have reached out to Experian, XXXX, and XXXX for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote them.
Consumer complaint received 2022-09-02
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2019-02-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Santander Consumer USA Holdings Inc. (FL)

I contacted Santander and they will not give me any information on GAP and the amount that I paid. They have told me it does not show up in their system when it's a fact GAP was added to the loan.
Consumer complaint received 2022-09-02
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.