davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (OR)

Today, XX/XX/XXXX at XXXX, I sent XXXX  XXXX XXXX $ XXXX, {$50.00} through the CashApp platform. I had never set him money before so through my contacts on the app I scrolled down to his phone number, selected it, and sent the money. AFTER it was sent, it showed me in the completed transaction receipt, that it was successfully sent to someone named XXXX XXXX. It did not go to XXXX. At the same time I called their customer service, he did as well to find out why his number was not linked to his account. I had already requested a refund from XXXX through the app. He had recently had to make a new cash app account, but his prior account had a balance of {$80.00} that after 2 hours of disputing through call and chat ultimately could not be transfered to his new account and they couldnt tell him why not. After insisting on more info and help to retrieve his money they couldn't/would n't continue to help him. He provided all info they requested but still wouldn't continue to help. That plays a part in my problem in that they should make everyone verify that their phone number is linked to their active account before ANY transactions are made. But on his, his phone number is fairly new so whoever had it before still had their cash app account linked to it and they let XXXX open an account with just his email. So when I sent the money it went to the other person, XXXX. There are so many flaws in this app design, but honestly I believe to cash app, they aren't flaws, but how they make their money and its not right. I looked up XXXX on XXXX and tried to contact him that way hes just a kid, but he hasn't posted since XXXX. What if he moved back to XXXX? What if by whatever reason he has no access to that account or notifications from it? Upon researching, there isn't even an amount of time that has to go by that it sits there, not being accepted, that they will refund it back, it just sits there forever, or its theirs, ( cashapp ) which is more believable. Now im out the {$50.00}, he's out the {$50.00} as well, AND he's out the {$80.00} they for some reason can't transfer from his old to his new account. This is beyond XXXX and something needs to be done.
Consumer complaint received 2022-05-06
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: CrossCountry Mortgage LLC (RI)

In Accordance with the fair credit reporting at CROSSCOUNTRY MTG/XXXX  # XXXX Has violet my rights 15 usc 1681 section 602 state I have right to privacy 15 USC 1681 section 604 A section 2 : Ut also state consumer reporting agency can not furnish a account without my writing instructions.

15 USC 1666B : A creditor may not treat a payment On mortgage account under or open end consumers credit plan as late for any purposes.
Consumer complaint received 2022-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

The Department of Revenue reported the child support my late wife was awarded in my divorce for the time we were separated as back delinquent child support even though the payments were payroll deducted and I never missed one. She unfortunately passed from XXXX XX/XX/2021 and I now have my XXXX minor children full time. I have been attempting to obtain a mortgage ever since. Due to the inaccurate reporting, I have been repeatedly denied a mortgage even by the VA ( I am a decorated combat veteran ) I went to court and the XXXX agreed to have both inaccurate accounts deleted from my credit report in XX/XX/2021. As of today, XX/XX/2021, that has yet to be corrected. One of the accounts is still showing and now the payment from XX/XX/2021 showed as being in collections. Last month it did not. This black mark on my credit just will not go away. I now have an enormous amount of inquiries due to trying to get a mortage on all 3 reports because of it which is now also stopping me.
Consumer complaint received 2022-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (FL)

Please have a representative contact the undersigned customer to resolve an ongoing issue regarding credit reporting on a closed Wells Fargo Credit Card. As a result, Wells Fargo is currently reporting incorrect information on my credit report to all XXXX Credit Reporting Agencies. 

It is necessary to discuss the issue, as the previous investigation into the matter was done incorrectly, provided irrelevant information by the representative and did not resolve the matter. 

Account # XXXX - XXXX - XXXX - XXXX Thank You. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The Department of Revenue reported the child support my late wife was awarded in my divorce for the time we were separated as back delinquent child support even though the payments were payroll deducted and I never missed one. She unfortunately passed from XXXX XX/XX/2021 and I now have my 2 minor children full time. I have been attempting to obtain a mortgage ever since. Due to the inaccurate reporting, I have been repeatedly denied a mortgage even by the VA ( I am a decorated combat veteran ) I went to court and the DOR agreed to have both inaccurate accounts deleted from my credit report in XX/XX/2021. As of today, XX/XX/2021, that has yet to be corrected. One of the accounts is still showing and now the payment from XX/XX/2021 showed as being in collections. Last month it did not. This black mark on my credit just will not go away. I now have an enormous amount of inquiries due to trying to get a mortage on all 3 reports because of it which is now also stopping me.
Consumer complaint received 2022-03-17
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY (PA)

I had a problem when I was taking care of my father with XXXX.. 
I rectified the problem and paid off the car with Wells Fargo.. 
This has been at least two years maybe three and this is still Ion my report.. They were to rectify it..
Consumer complaint received 2018-07-15
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. (NY)

XXXX XXXX is hitting me with 2 hard inquires for XX/XX/2018 and XX/XX/2018. I should only be hit with 1 inquire as both were done on XX/XX/2018. The confusion is it took them 2 days to process the other part. I have spoke to them on the phone back on XX/XX/2018. There customer representative said they would remove one of these hard pulls. I believe it is the one on XX/XX/XXXX. Either way they 100 % guaranteed one will be removed since both were placed on same day of XX/XX/2018. 

Since the company agreed to remove one of the inquiry 's, I just hope they can kindly stick to there word and fix up this confusion. I have been a loyal customer and just want what was promised to me. Thank you
Consumer complaint received 2022-03-17
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. (CA)

In XXXX of 2022 I discovered incorrect information being reported on my credit report. I sent letters that were received in XX/XX/2022 about incorrect information on my credit report. As of XX/XX/2022 the incorrect information is still on my credit report. I am requesting that the incorrect information be removed from my credit report.
Consumer complaint received 2022-03-17
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. (AL)

My name is XXXX XXXX and I am the one filing a complaint. 

ON XX/XX/2021 I CALLED XXXX XXXX TO FIND OUT WHY MY ACCOUNT HAD BEEN CLOSED ON XX/XX/2021, concerning XXXX XXXX Account number XXXX. This is my fourth time trying to get this issue resolved. You continue to ignore the violations you are breaking by reporting information that supposes to be excluded from my consumer credit report. You ignore my dispute and place the blame elsewhere but you are the one WILLFULLY VIOLATING THE LAW which is another violation. By law, you can not continue to ignore and break the law. It will not hold up in court. Updating my credit report is not fixing the issue when you suppose to delete whatever violates FCRA Laws. This is causing me to get denied credit, causing stress, and is damaging my reputation. If you continue to be a lawbreaker I will have no choice but to sue you for the damages you have caused. It's a shame I have to continue to go through this cycle because you continue to not comply with FCRA Laws. It is very annoying, tiresome, and stressful. Please obey the law! If this doesn't get resolved I will file a lawsuit with damages.
Consumer complaint received 2015-12-24
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: SUNTRUST BANKS, INC. (FL)

I received a letter in the mail from Suntrust about suspicious activity on debit card. When i called in, I did find fraud ; closed debit card and have a case no. My first issue is this is the third time this has happened, only with Suntrust ( once on business account, twice personal ). I think they may have a security breach issue. I am angry because they would NOT credit my account for the amount of the fraud until after investigation. This is happening 2 days before XX/XX/XXXX, plus they knew it was fraud, they detected it. XXXX fraudulent charge for {$240.00} and XXXX for {$25.00}.
Consumer complaint received 2022-03-17
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Roosen, Varchetti & Olivier, PLLC (MI)

I attempted to contact RVO and was informed that I could not speak to the representative at the extension that I called. I tried to contact the company to request a full ledger of the account, release from income tax statement as well as a judgment paid in full statement. As of date, I have received no response from the law firm. This debt has been paid in full and in its entirety. My attempts to communicate with this law firm go unnoticed or simply ignored.
Consumer complaint received 2022-03-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2022, XXXX XXXX put a {$250.00} collection on my account. I have no idea who XXXX XXXX is and don't owe anyone any money. Lastly, no attempt was ever made to contact me by XXXX XXXX. Please remove the XXXX XXXX illegal collections account from my TransUnion credit report. XXXX XXXX Amount {$250.00} XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX
Consumer complaint received 2022-03-17
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 — Was not notified of investigation status or results
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I have sent letters to XXXX, XXXX, and XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and havent not received any responses regarding my inquiries into several accounts found on my credit. I understand it is the credit bureaus obligation to investigate each account and they have failed to provide the necessary validation documents or delete the negative accounts as requested. I am requesting a thorough investigation be completed into the following accounts and a prompt notification be provided once the accounts have been deleted and/or updated : 1. XXXX Acct # : XXXX please validate this account with XXXX, XXXX XXXX XXXX XXXX Please delete and remove. 

2. XXXX Acct # : XXXX this account was paid and should NEVER have been sent to collections. Please delete and remove. 

3. PORTFOLIO RECOV ASSOC ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX. ) Acct # : XXXX this account is reporting to XXXX after being removed from XXXX XXXX XXXX and needs to be deleted and removed. 

4. PORTFOLIO RECOV ASSOC ( Original Creditor : XXXX XXXX ) Act # : XXXX Please verify this account and delete this account. 

5. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Acct # : XXXX Please investigate the validity of this account and delete. 

6. PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX  ) Acct # : XXXX Please delete and remove this account and investigate.
Consumer complaint received 2022-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

All three credit reporting agencies broke the law and used my identity without my consent. 
Pursuant to 15 usc 1681 ( a ) ( 1 ) congress makes it clear that the banking system is dependent upon my consumer report being fair and accurate to me. There company has practiced unfair credit reporting methods. They took information from alleged creditors, and debt collectors then proceeded to report this information without consulting with me to confirm whether such infirmation was accurate or not. This in fact gave the furnisher of this innacurate information an unfaur advantage over me... This information is inaccurate and i need it removed...
Consumer complaint received 2023-09-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This complaint was my follow up. I need this account FIGURELEND XXXX UPDATED and REPAIRED once again. And I am hoping that inaccurate late marks popping-up again in this account. 
XXXX : XXXX XXXX Balance : {$49000.00} TRANSUNION XXXX XXXX XXXX Balance : {$49000.00}
Consumer complaint received 2022-05-06
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

In accordance with the fair credit reporting act XXXX  account # XXXX, had 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 payment on a credit card account Under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2022-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One closed my Venture card that I had for about 2 months giving a very cryptic excuse. The card was wrongfully closed with no warning or explanation. Now, Capital One is REFUSING to refund my {$390.00} annual fee, or permit me to access the approximately {$1500.00} in rewards points ( cash value ) that I had in the account. In essence, Capital One has stolen the annual fee from me and my rewards points. I am an attorney, and if they refuse to return my stolen funds, I will gladly sue them in court, and I will ensure that they spend many thousands in attorneys ' fees defending this case, far in excess of the amount they stole from me.
Consumer complaint received 2024-03-21
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. (NY)

XXXX XXXX XX/XX/XXXX TO WHOM IT MAY CONCERN, THIS IS ABOUT THE INACCURACY THAT HAS BEEN INEQUITABLY FURNISHED BY YOUR ORGANIZATION ON MY CONSUMER REPORT. DUE TO THIS INACCURACY, MY RIGHT TO EXTEND CREDIT HAS BEEN DAMAGED TO A GREAT EXTENT. AS A RESULT, I WAS DISCRIMINATED AGAINST AND REFUSED THE FOLLOWING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ACCORDING TO 15 USC 1681 ( A ) ( 3 ), CONSUMER REPORTING AGENCIES HAVE ASSUMED A VITAL ROLE IN ASSEMBLING AND EVALUATING CONSUMER CREDIT AND OTHER INFORMATION ON CONSUMERS. 

FURTHER, PURSUANT 15 USC 1681 ( A ) ( 4 ), A CONSUMER REPORTING AGENCY MUST EXERCISE THEIR GRAVE RESPONSIBILITIES WITH FAIRNESS, IMPARTIALITY AND A RESPECT FOR THE CONSUMERS RIGHT TO PRIVACY.

YOUR ORGANIZATION NEITHER EXERCISED ITS RESPONSIBILITIES WITH FAIRNESS AND IMPARTIALITY NOR PROTECTED MY RIGHT TO PRIVACY. 

I AM DEMANDING, UNDER PENALTIES OF PERJURY, FOR YOU TO GIVE ME A PIECE OF EVIDENCE THAT THE INFORMATION WHICH IS BEING REPORTED HAS BEEN PROPERLY INVESTIGATED. ALSO, PROVIDE ME WITH THE DETAILS OF THE SYSTEM ADOPTED BY YOUR ORGANIZATION TO DETERMINE WHETHER THE TRANSACTION TOOK PLACE OR NOT PURSUANT TO 15 USC 1681 ( A ) ( B ) YOUR ORGANIZATION DID NOT ADOPT SUCH PROCEDURES THAT MEET THE NEED OF COMMERCE FOR CONSUMER CREDIT. AS A RESULT, I HEREBY DEMAND TO DO THE FOLLOWING : XXXX. DELETION OF THE ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-17
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 — Was not notified of investigation status or results
Company: Adler Wallach & Associates, Inc. (TX)

I have sent letters to XXXX, XXXX, and XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and havent not received any responses regarding my inquiries into several accounts found on my credit. I understand it is the credit bureaus obligation to investigate each account and they have failed to provide the necessary validation documents or delete the negative accounts as requested. I am requesting a thorough investigation be completed into the following accounts and a prompt notification be provided once the accounts have been deleted and/or updated : 1. XXXX  Acct # : XXXX please validate this account with XXXX, XXXX XXXX XXXX XXXX Please delete and remove. 

2. XXXX Acct # : XXXX this account was paid and should NEVER have been sent to collections. Please delete and remove. 

3. XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX. ) Acct # : XXXX this account is reporting to XXXX after being removed from XXXX XXXX XXXX and needs to be deleted and removed. 

4. XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) Act # : XXXX Please verify this account and delete this account. 

5. AWA COLLECTIONS ( Original Creditor : XXXX XXXX XXXX XXXX ) Acct # : XXXX Please investigate the validity of this account and delete. 

6. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Acct # : XXXX Please delete and remove this account and investigate.
Consumer complaint received 2022-03-17
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 — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL (TX)

I have sent letters to XXXX, XXXX, and XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and havent not received any responses regarding my inquiries into several accounts found on my credit. I understand it is the credit bureaus obligation to investigate each account and they have failed to provide the necessary validation documents or delete the negative accounts as requested. I am requesting a thorough investigation be completed into the following accounts and a prompt notification be provided once the accounts have been deleted and/or updated : 1. SYNCB/XXXX  Acct # : XXXX please validate this account with XXXX, XXXX XXXX XXXX XXXX Please delete and remove. 

XXXX. XXXX  Acct # : XXXX this account was paid and should NEVER have been sent to collections. Please delete and remove. 

XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX. ) Acct # : XXXX this account is reporting to XXXX after being removed from XXXX XXXX XXXX and needs to be deleted and removed. 

XXXX XXXX XXXX XXXX  ( Original Creditor : SYNCHRONY BANK ) Act # : XXXX Please verify this account and delete this account. 

XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX GRP ) Acct # : XXXX Please investigate the validity of this account and delete. 

XXXX. XXXX XXXX ( Original Creditor : XXXX SYNCHRONY BANK ) Acct # : XXXX Please delete and remove this account and investigate.
Consumer complaint received 2019-08-08
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. (CO)

XXXX ; XXXX  and Transunion are reporting incorrectly a collection in the amount of {$3000.00} on XXXX XXXX XXXX partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account was settled and paid in full on XX/XX/2016. ( Please see the attached letter dated XX/XX/2016 from XXXX XXXX XXXX , XXXX. ) This incorrect reporting of a collection is harming my credit score and these line items need to be deleted from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Consumer complaint received 2024-03-21
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)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2022-03-17
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: Experian Information Solutions Inc. (AL)

I am XXXX XXXX and I am the one creating this complaint. 
XXXX Submitted to the CFPB on XX/XX/2022 XXXX XXXX Account number XXXX. You stated, " we are in the process of contacting the data furnisher ( s ) / public record vendor ( s ) to verify the accuracy of the information with which you disagree. '' Why are YOU contacting the furnisher if you are the one doing the violation of furnishing my personal information without my consent and furnishing information that should be excluded?