davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-05
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-08-24
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. (PA)

A few days ago I noticed that when my phone was stolen, someone sent money from my cash app to someone I don't even know. I filed a dispute with customer service directly on the phone and was told that I would be getting my money back for all the transactions within XXXX business days. Not even 2 hours later I received an email stating that my claim was denied! I told the customer service rep that I made a police report for proof of the unauthorized charges as well and yet these people seriously just don't even care! I requested the information they used to come up with the denial and I was ignored. I've sent more emails to this company about getting my money back and yet they continue to ignore me. Cash app is a joke
Consumer complaint received 2019-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act. I've been fighting with the bureaus for several months and they keep reporting this errorous information on my credit report.
Consumer complaint received 2023-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (NY)

I was scam on cash app with a payment i made XXXX XXXXXXXX {$10.00} i reported this to cash app for scam against this person. And i paid him and he never gave what he promised I contact cashapp support and they denied to provide me a refund for this payment or to filled a dispute
Consumer complaint received 2023-08-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (CA)

On XX/XX/2023 at XXXX i logged in to my cash app to tranfer the amount of {$48.00} to my card but it didn't go to my card it went to another bank account that i dont have called XXXX XXXX XXXX last number on card number ending in XXXX I dont have are even know What bank is this? I've already tried to get it fix with cash app but they are no help at all ive tried XXXX sherching but no luck plz i need help i want to get my money back plz
Consumer complaint received 2022-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Capital One Bank wrongfully paid a fraudulent/forged check drawn on our household joint checking account, has refused to pay it, and prejudiced our ( spouses ' ) effort to have the funds restored or seek another remedy. Despite the obvious forgery and alteration of the check, Capital One paid it sometime in XXXX or XX/XX/XXXX. We did not notice that until summer XXXX, when the XXXX XXXX XXXX XXXX, which cashed the check, informed us of the fraud. Capital One 's voluminous and complicated Account Disclosure, under the boldface heading " Claim of Loss '', discusses what the bank and customer are to do " if you ( the customer ) claim a credit or refund because of a forgery, alteration, or any other unauthorized withdrawal ''. When we made our claim to Capital One concerning the forgery and alteration, bank officials assisted us with preparing affidavits and evidence. In response to our numerous inquiries about the matter since XXXX, they assured us that the investigation was ongoing and encouraged us to wait until the outcome was reached, likely before the end of XXXX. 

In our most recent inquiry about this matter a few weeks ago, a Capital One official mentioned for the first time that our claim was untimely. The official referred to the Account disclosure document. The above-referenced discussion about a claim based on forgery, alteration, etc., does not refer to a time period. The time period is elsewhere, in section about the bank providing account statements electronically. Why not state the time period for a forgery/alteration claim where it obviously would be most informative and protective of the customer, specifically, under the discussion of claims relating to forgery and alterations? Doing so would be more than fair and forthright to customers who are subjected to reading a voluminous electronic document to be read by scrolling a computer screen. 

Capital One 's unfair practices have interfered with our seeking a remedy on a timely basis. As for the 30 day period, our personal, health-related circumstances at the time were such that our failure to discover the transaction earlier was not unreasonable, but we are not presenting them here.
Consumer complaint received 2022-12-01
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: EQUIFAX, INC. (NV)

Respected Sir, This is regarding Credit Report displayed information is inaccurate and incorrect. 
Information in the Credit Report Published as Company Info : XXXX XXXX XXXX Account No - XXXX XXXX. Amount Owed {$200.00} XXXX. Placed in Collections XX/XX/XXXX XXXX. Last Verified Date XX/XX/XXXX I do not recognize this company and the information. No Verification performed. I requested all Credit companies to delete this collections company information. But this information never deleted. 

In Accordance with the Fair Credit Report Act this company violated my rights. 

15 U.S.C. 1681 Section 602 A 1 States I have the right to Privacy.

15 U.S.C. 1681 Section 604 A Section 2 It also States a consumer reporting agency can not furnish a account without my written instructions. 

Kindly delete the account. 

Thanks XXXX XXXX
Consumer complaint received 2017-08-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Pacific Union Financial, LLC (MA)

There is an issue with my Mortgage Lender, Pacific Union Financial, not paying my city taxes on time. In this most recent occurrence I reached out about two months back and faxed over the necessary paper work as I normally would but this payment was still never submitted to my cities collection office. I received a letter of delinquency from my city tax collector 's office notifying me of nonpayment and communicating that my estate is going to be advertised for nonpayment of taxes and this delinquency will be published in the XXXX XXXX XXXX. In additon a lean will be held on my property. After the bank neglected to resolve this issue following my submission of the delinquent balance via fax and receiving this notification I contacted the bank and requested this be handled right away. This request was submitted on XX/XX/XXXX. I was told it could take up to XX/XX/XXXX for action to be taken. I insisted this be handled asap. After no communication or payment onXX/XX/XXXX I  called the bank and asked to speak to the manager ( XXXX XXXX ) who assisted me on the XXXX who was not available. I then asked to speak to another manager and was connected with XXXX ( XXXX ) who escalated the situation and guaranteed a call back by close of business day to provide me the status. After no return phone call, I contact the bank again on XX/XX/XXXX. Requested to speak to XXXX. She was not available. Asked to speak to her manager and no other manager was available. I was told this mater could be escalated and I will receive a call back. This needs to be resolved by tomorrow and I 'm quite certain this is not going to happen.
Consumer complaint received 2022-12-16
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. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX .... Balance : {$280000.00}
Consumer complaint received 2022-01-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (OR)

In an effort to take advantage of the 0 % interest on student loans, I have been trying to make payments to Nelnet during the pandemic. I have repeatedly set up automatic debit payments only to have my payments put in an in school deferment without my consent, on several occasions. This has cost me hundreds of dollars in interest due to my interest rate being ridiculously high at 6.8 %. For example, in XXXX of XXXX I had my loan paid down to {$520.00} after making some lump sum payments on top of the monthly auto payments. When my school reported that I was attending full time, Nelnet automatically put me in an in school deferment and stopped my auto payment without my consent and without any notification and collected {$170.00} in interest bringing my balance up to {$700.00}! THIS IS ROBBERY!!!!!!!! And, this is not the first time Nelnet has done this! I have requested on multiple occasions since my return to school in XXXX that they do not revoke my automatic payments, yet they continue to do this and collect hundreds of dollars in interest from me. I am NEVER going to pay this debt off if they continue to steal from me in this passive manner. Please help me, I have no other recourse!
Consumer complaint received 2022-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2021 I sent a formal complaint and dispute letter notifying Experian of an inaccurate account showing on my credit file. Under FCRA section 609 Experian had 30 days to investigate and either verify and validate the account or remove it from credit file. Experian has now exceeded and surpassed the designated time frame given under federal laws and FCRA guidelines. The account in question is as follows. XXXX XXXX XXXX finance Account XXXX
Consumer complaint received 2022-01-26
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. (IL)

There are two fraudulent accounts on my credit report. One is from XXXX XXXX XXXX XXXX and the other is XXXX XXXX XXXX XXXX XXXX XXXX sold to XXXX XXXX  ). I have never allowed anyone to use my personal information nor have I ever conducted business with those companies. I have contacted XXXX XXXXXXXX over 32 times, I have expressed to them that I never obtained a loan from them nor do I have a drivers license. I have mailed and emailed them an official police report where it states that I am a victim of ID Theft. I have been trying to contact and get a resolution on this account but XXXX XXXX XXXX XXXX does not respond to any of my attempts to have this resolved. XXXX XXXX XXXX XXXX sold to XXXX XXXX ). I have contacted XXXX XXXX XXXX  Directly and they agreed that the account is fraud and removed it from their system. XXXX XXXX is now trying to collect on a fraud debt that was deemed fraud from the original creditor. I have called and sent an official police report to XXXX XXXX and they are refusing to remove the negative item from my report. I explained to them that XXXX XXXX XXXX has deemed the account fraudulent and that XXXX XXXX shouldn't even be allowed to collect on a debt that was erased by the original creditor. They have never responded once to my many attempts to have this resoled.
Consumer complaint received 2022-01-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Receivables Performance Management, LLC (AZ)

I was first contacted by RPM ( Receivables Performance Management ) on XX/XX/2022 from the number XXXX. I verified who I was and they refused to state what company they were with, who they were, or why they were calling. I called the number back and was able to determine who they were and dealt with the individual on the phone. However, at no point did they ever inform me I had a right to dispute the debt nor did they provide any type of written communication to me ( they say my mail was returned, however I have been receiving mail at the address they verified for months with no issues.
Consumer complaint received 2019-11-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (OH)

ENHANCED RECOVERY CO : XXXX XXXX XXXX {$530.00} XXXX tO WHOM IT MAY CONCERN : I am filing this complaint due to an account that was settled in full and was supposed to be deleted and remove from my credit report for the account being settled in full.The above account was paid yet the account still remains on my credit report. This is a request for a good-faith adjustment to my credit report! my name is XXXX XXXX XXXX XXXX. I would like to buy a home but this PAID COLLECTIONS IS STILL HOLDONG ME UP!!!
Consumer complaint received 2018-06-28
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

bank of america-XXXX tried to help told me to call back another number XXXX that number was the wealth department who said i had a consumer account not a wealth account! transfers go on and on five more departments till no one wanted to play ring around the teller with me any longer! Thr " I.R.S. '' told me on XX/XX/XXXX THAT BANK OF AMERICA REPORTED A XXXX  UNDER MY SSN my question to the bank, has, and will still be.Who is reporting income on my behalf? it is a tiny {$45.00} dollar amount but it this money let alone this account is unknown to me id like to know more. you report income using my social security number, my address my name my zip code you even use my city.its frustrating being told they no longer can access that system because its been 10 years or 7 years,,,,, news flash its only been four days since i found out about this account, i went to the irs because i had a feeling this wouldn't go away because this has been going on since XX/XX/XXXX.please help
Consumer complaint received 2018-06-28
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. (MO)

customer service would not help and take care of the negative inquiries reporting to my credit report. I've sent out two authorized letters to the transunion credit bureau & the creditors in XX/XX/XXXX to all the inquiries seen. 3 from XXXX XXXX dates of inquiries XX/XX/XXXX, XX/XX/XXXX.. XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, 3 from XXXX   dates XX/XX/XXXX, & XX/XX/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 XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX ...
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

They are reporting late payment I. XXXX when balance was taking cared of and they stated over phone they would send me documents so I can send and update credit bureau and they send me 3 different types of documents they dont update the credit bureau with correct information and send me 3 different types of document it showes I was never late nor had a balance but they they report negatively. I asked that they update and remove the late payment that is affecting my score when I have requested so and they said they would and they do the contrary.
Consumer complaint received 2022-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. it is plainly stated that a failure to investigate these items within 60 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will take action due to the stress you caused me. My information was also may have got into the hands of the wrong person
Consumer complaint received 2021-09-24
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Optimum Outcomes, Inc. (FL)

They have called me once a week for the past year despite the fact I'm currently not in debt nor have I ever been i debt for a significant period of time. I've told them to stop calling me, as I am rather young and haven't even alive long enough to accrue debt that would require collections.
Consumer complaint received 2018-06-28
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Rausch Sturm LLP (AZ)

I recently set up a payment agreement with Raush Sturm on XX/XX/2018 for a payment agreement and paid {$1000.00} to start the agreement. I received a letter fom XXXX XXXX that they now have my account after I just set up an agreement with Raush Sturm to pay the reminding settlement amount of {$1300.00} in the next 6 months. I called Raush Sturm they said my account closed and they do not know why. This happened before where they said my account closed and they didn't have it than a week later someone called me saying they do have it and now again my account is closed. I just do not understand how I set up an agreement with Raush Sturm two weeks ago and now it is closed and XXXX XXXX has my account. I need to know what is going on and who I need to pay and why the account got closed
Consumer complaint received 2022-01-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (TX)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX Attorney General and FTC
Consumer complaint received 2022-11-30
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. (IN)

hey please remove this account I know you will understand me in this situation this is becoming a frustration to me. Please be deleted before 30 days If you do not respond within this time period, Thank you for your time. Hoping that I could get some favorable news after this investigation.
Consumer complaint received 2022-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hello my name is XXXX XXXX and I am writing in reference to the three credit bureaus. I am having an issue with each bureau reporting information on my credit report that in unjust. First and foremost I have attempted to fix these issues on a few occasions and they have helped with nothing. The first is XXXX XXXX not only have I disputed this account on multiple occasions they have yet to notate the account that it has been disputed this is a violation is grounds for removal of the account on my credit report. This account is also reporting as an installment account and that is incorrect because it was a sales agreement, that is another violation due to incorrect reporting. I also have an issue with two other accounts that are in violation of XXXX one is XXXX XXXX and the other is XXXX XXXX I have been disputing XXXX XXXX since XXXX and they have yet to notate the account stating that it is in dispute meaning that this is grounds for removal and also a violation under the XXXX because they must notate the account within XXXX days. These companies have also failed to provide the authorized agreement creating the debt which is required to collect on a debt XXXX XXXX. Therefore if there was no agreement in place between myself and XXXX XXXX  and XXXX XXXX. That means I have no contractual agreement to pay them on alleged debt. Please remove all accounts from my credit report immediately. These accounts are also reporting charge off payment histories, however, a charged off account should not reflect any payment history because a charge off is not a form of payment, in fact a charge off is considered income under consumer law. Please remove from my report immediately, thank you.
Consumer complaint received 2022-01-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio (TX)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC