davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-18
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. (TX)

4th time EQUIFAX why are you reporting to XXXX, I asked you 3 times before and you keep dodging the Question NO answer, there is no dispute just the question you refuse to answer, I may need to contact other law enforcment to get you to answer
Consumer complaint received 2023-09-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (PA)

I used to use the app XXXX. A while back, I started a chat with another anonymous user. They posed as a younger woman in need of cash. They provided their cashapp and I sent them {$30.00} in good faith on XX/XX/2023. Their cashapp is $ XXXX. Only after remitting payment did I realize it was a business account. No goods or services were exchanged. As such, Id consider this a scam at best and a potential money laundering scheme at worst. Cashapp support was only able to provide me with a generic complaint form reporting the account as a scam with no further context. I pursued this further with their chat support only to be given prefabricated responses that did not address the concern in any meaningful capacity. I dont need the money back, just reporting for the sake of other consumers and a belief in the greater good.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (FL)

I contacted XXXX and I received a response that my loan is in suppression. 


Upon reviewing the information provided, I have identified inaccuracies in the reported amount owed, which is adversely affecting my credit worthiness. 

I request that you provide evidence supporting the claim that I owe about {$86000.00} to XXXX, as the information currently available is insufficient for me to verify the accuracy of this amount. Furthermore, I believe that this suppression violates my rights under the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, consumers have the right to accurate and complete information on their credit reports. I am specifically referring to Section 611 ( a ) ( 1 ) ( A ), which states that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information contained in consumer reports. 

I kindly request that you conduct a thorough investigation into the discrepancies in the reported amount and provide me with detailed evidence supporting the claimed debt of {$86000.00}. Additionally, please ensure that all information related to my account adheres to the accuracy requirements outlined in the FCRA. 

I appreciate your prompt attention to this matter and request that you provide the necessary documentation within 30 days, as stipulated by the FCRA. Failure to comply may result in further action to protect my rights under the law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-04-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JH Portfolio Debt Equities, LLC (FL)

On XX/XX/XXXX I received a collection from Credit Control which brought I debt from XXXX XXXX XXXX XXXX who brought the debt from XXXX XXXX XXXX. XXXX XXXX is the originator of this fraudulent credit card which I have went to court in XX/XX/XXXX and received a dismissal on. This account is fraudulent and supposed to be closed out however it keeps on being sold. This is illegal. I have attached my report that I received from Portfolio that proves this. This is a XXXX   XXXX account that been determined as fraud. I am a victim of identity theft and this needs to be removed immediately. The original balance was stated at being XXXX however with fees is showing of {$560.00}. I did a police report in XXXX when all this started happening.
Consumer complaint received 2018-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. Below I have listed the fraudulent accounts on my credit report that should be removed. 

Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX   Date:XX/XX/XXXX Company : XXXX XXXX Date:XX/XX/XXXX Company:XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Date:XX/XX/XXXX
Consumer complaint received 2019-02-09
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. (GA)

Im trying to help my son with starting his business and he needed me to cosign for him a business loan. We went to the bank and I was approved because of items on my credit that is not mine. My son has finally got his life together and it hurts me to know that I cant be of help to him. I contacted the police and the FTC. Please remove the items from my credit report. XXXX, XXXX and XXXX/XXXX.
Consumer complaint received 2019-02-09
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. (TX)

On or about XX/XX/XXXX, I received an alert that a new collection had been added to my Equifax credit file. The amount was for {$200.00}. The credit agency only shows a number, XXXX. The entry does not show an original lender. The account number is listed as xxxxxxXXXX. It shows that the account was assigned on XX/XX/XXXX. 

On XX/XX/XXXX, I sent a certified letter to Equifax requesting them to remove the collection account based on section 611 ( a ) ( XXXX ) ( B ) ( XXXX ) of the Fair Credit Reporting Act because it appeared to be the same account that was deleted from my Equifax credit file in early XX/XX/XXXX. The amount, account number, type of debt and assigned date are the same as the account that was removed in early XX/XX/XXXX. However there is no original creditor. I received no notice from Equifax as required by the Fair Credit Reporting Act that this account was being reinserted into my Equifax credit file. The language of 611 ( a ) ( 5 ) ( B ) ( ii ) states : ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to Consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Equifax just sent me notice that they verified that the account belongs to me. When I received the response from Equifax around XX/XX/XXXX, it showed that it was indeed the very same account that was deleted in XX/XX/XXXX. There was no documented proof produced by Equifax proving how the account belonged to me or why the account was reinserted. This is a clear violation of the Fair Credit Reporting Act section 611 ( a ) ( 5 ) ( B ) ( ii ).
Consumer complaint received 2023-07-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.
Consumer complaint received 2019-04-02
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. (GA)

There are several items reporting on my credit file that does not belong to me. I need your assist in getting these items removed. The following items is reporting on my credit report as a result of fraud : XXXX XXXX   - reporting on my XXXX report XXXX - XXXX - reporting on my XXXX report Unauthorized Inquiries : XXXX XXXX, XXXX XXXX, XXXX XXXX DE XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-17
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: CITIZENS FINANCIAL GROUP, INC. (CA)

Citizens Bank has an inquiry on my credit report. I never applied for credit with this company or have ever done any kind of business or requested any kind of information with them. I have never heard of them before. They do not have any authorization to pull my credit report.
Consumer complaint received 2019-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (TX)

I upgraded my XXXX XXXX card in XX/XX/2018 and was told by the agent who did the upgrade my anniversary date would not change. It turned the agent was giving me the wrong information in order to upgrade the account. XXXX   changed my anniversary date from XX/XX/XXXX to XX/XX/XXXX without my consent! XXXX has the recording of the agent who was misled me.
Consumer complaint received 2019-02-09
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. (OH)

I have found several name and addresses on my credit report that do not belong to me. I have recently filed a FTC and XXXX Police Dept Report. My full name is XXXX XXXX. 
XXXX please delete any and all variations of my name ( XXXX XXXX, XXXX XXXX. XXXX and XXXX XXXX. XXXX ). My current and only address is XXXX XXXX XXXX XXXX, OH XXXX. Please delete the following addresses they are not mine : XXXX   XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2019-02-09
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. (OH)

I have found several name and addresses on my credit report that do not belong to me. I have recently filed a FTC and Columbus Police Dept Report. My full name is XXXX XXXX XXXX please delete any and all variations of my name ( XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX ). My current and only address is XXXX XXXX XXXX XXXX, OH XXXX. Please delete the following addresses they are not mine : XXXX XXXX   XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX  , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2019-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (CA)

In 2016, I had a mortgage on a rental with Nationstar Mortgage. Payments were made by my agent with money orders. In XXXX he sent two money orders in one envelope. Nationstar cashed one and lost the other. He and I worked diligently and in good faith for months trying to get the lost money order applied. Nationstar told us, for months, not to send another money order. We have dates and times of voluminous email messages from Nationstar and tape recordings of some calls. 
Nationstar was not dealing in good faith. They started applying payments for subsequent months to the 'delinquent ' amount. This resulted in subsequent months being delinquent. However, I was never delinquent in payment. The only funds missing was the money order Nationstar lost. We even sent them copies of the money orders. 
It became so stressful I finally sold the rental. I even sent Nationstar additional funds to cover those that they lost. Technically, they owe me money. However, all I wanted was to close the account, so I told them I would not make any claims if they would just fix the credit. 
They failed to do so. I initiated claims with Credit reporting agencies and they still refuse to correct their error.
Consumer complaint received 2019-04-01
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: AAA Auto Title Loans, LLC (AZ)

I had been reading publications and seeing news segments about how consumers have been getting short ended by payday loan groups pulling funds intermittently out of their bank accounts. Well, this is extacly what has been transpiring in my case for the last 5 months. XXXX title loans pulls funds out of my checking account when first and foremost, I never gave them authorization to. They asked to see my debit card and I asked why. The representative stated, " because this is just to verify if the debit card is linked to your name and your account. For veification purposes only. '' Then, 2 weeks later I began to see charges from XXXX on my statement. I called the company and told them to stop taking money out of my account, and that I can sumbit payments to them through and online portal or by phone. They refused and week after week, having funds in my account or not, XXXX continues to give themselves authorization to pull funds from my account. Every time this happens, my bank hits me with overdtaft fees. When I address this to XXXX XXXX  XXXX and attempt to get refunded, they refuse to. With that being said, at this point, I'm not only being account jacked for all of my hard earned money, the bank holding my personal interests are allowing this and leaving me with multiple overdraft fees that they refuse to refund ; even after i called them multiple times to stop all transactions from XXXX Loans. I Had been out of work and in between jobs for 2 months, which is the reason I got the loan. Not only am I being forcefully locked into having a company forcefully extract funds out of my account, my bank allows it and collected over {$300.00} in overdraft fees. The biggest question I have is, are the Banks in on this consumer scam as well? Please help me.
Consumer complaint received 2019-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (MI)

I have an account reporting on my credit that I did not apply for. I do not recognize nor do I know how this was originally initiated. The account status is currently showing derogatory in the remarks. The info pertaining to this account does not match any past/ current addresses I've lived, which led me to believe someone obtained my personal information to proceed.
Consumer complaint received 2022-08-18
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. (MD)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-05-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY (CT)

My account was closed on XX/XX/2022 by TD bank, on XX/XX/XXXX my brother mistakenly sent money to the account by XXXX, I called them to take the money out but they said they have to close the account first, I told them I need my money, all my efforts is prove abortive.
Consumer complaint received 2022-08-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Mountain Run Solutions, LLC (ID)

2 years after canceling an account with XXXX XXXX and not receiving any notice of an issue Mountain Run Solutions contacted me by text informing that they had purchased a debt and would report it in 16 days to credit. No other information was sent. I contacted XXXX and they had no knowledge of selling any debt to Mountain Run solutions and said that the company they used was Perfect Collections LLC. On the XXXX I attempted to contact XXXX XXXX XXXX as they had sent repeated text messages to me and made other attempts to contact during work hours. Mountain Run solutions then provided erroneous information about XXXX cancelation policy and ignored the provisions of cancelation in my contract. Mountain run solutions has ignored my dispute request and are still threatening to send an adverse report to the credit reporting agencies. During recorded conversation an agent stated they sent debt verification to my email address. I have not received this verification and the time they stated they sent verification was before my request for verification. In later email messages with the manager the manager stated the day after the agent stated that the verification had been sent that it had not been sent and that they would be sending it while again threatening to report on the XXXX but claiming they had 30 days to send the verification. The agent acknowledged that they did not know or have record of the Idaho consumers rights act. The agent confirmed they did not do due diligence to correctly obtain my mailing address.
Consumer complaint received 2022-08-18
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (TX)

In year XXXX myself and my wife bought XXXX and doors from XXXX store located in XXXX XXXX XXXX salesman offered us special promotional Zero interest XXXX synchrony credit card. There was no disclosure that Interest will be charged after period of two years. As there was limit of XXXX per person so Salesman arranged two cards on mine and my wifes name. 

XXXX XXXX XXXX : credit card number XXXX XXXX XXXX XXXX XXXX XXXX : Credit card number XXXX XXXX XXXX XXXX We provided our bank information and monthly payment was detected from our personal Account. Two months ago, we received Monthly statement by mail and found out that Synchrony has been charging us XXXX XXXX interest since XX/XX/XXXX. We complained to Synchrony customer service multiple times but till date Synchrony is not will willing to waive such high-rate unauthorized interest and rather started charging us late fees. We did explain to Synchrony customer service that by law Synchrony was supposed to give us 45 days notice, but Synchrony does not seem to be concerned about legal implication. 
We want to make monthly payment if Synchrony credit our account for the unauthorized interest they charged us since XX/XX/XXXX. We also willing to borrow money from other sources to fully pay off entire amount if Synchrony accommodate our request. 

Thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (NJ)

first of all i am NOT a career disputer if i dispute its because i have been wronged and i protect my rights I dont want any scripts in the answers here. I have been an american express customer a long time. I bought tickets to go to XXXX with daughter with this card. I have disputed the purcchase because there was a problem with security at the theater and i missed most of the show and as such preserved my tickets so i can get a refund or another show. They cotninue XXXX  to send their policies despite me disputing this twice now they keep sending their policies. which in no way address the fact that due to a local issue at the theater i was prevented from seeing the show. I want my money back and refuse to pay this. Twice now i have disputed this on my every day card and twice now its been closed in their favor. NOT handled right very frustrating. refund or i am done here. and i still wont pay it not for a show i missed due to security issue not my fault. Policies and procedures cant violate my consumer rights.