davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Account information incorrect
Company: Experian Information Solutions Inc. (MS)

I have been disputing several items on my credit report that are incorrect and that are being illegally and inaccurately reported. These XXXX are making it hard for me to get credit and to be able to be approved for anything. I told them that I was gone reach out to yall because I havent heard anything back from them yet. They are not responding to my letters.I want everything to be adjusted as I have requested in my letters to them immediately!
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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have been disputing several items on my credit report that are incorrect and that are being illegally and inaccurately reported. These fools are making it hard for me to get credit and to be able to be approved for anything. I told them that I was gone reach out to yall because I havent heard anything back from them yet. They are not responding to my letters.I want everything to be adjusted as I have requested in my letters to them immediately!
Consumer complaint received 2020-12-17
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc. (NY)

Two collections for XXXX and one for XXXX are on my derogatory marks.Received nothing from said company about these debts no letters email or phone calls just randomly popped up on all my credit scores why was i never reached or notified. Its says for XX/XX/XXXX i was no where near this place in question i was at work. Again no letter or anything i'm pretty sure i would know if i went to this place and received service this just plain has fraud written all over it where is the proof.If you go on XXXX  you can see all the complaints against them making fraud claims on people intentionally trying to destroy peoples credit. They definitely are not running a legit business.
Consumer complaint received 2019-03-31
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: EQUIFAX, INC. (CA)

I have disputed the accuracy of items being reported on my credit report by Equifax, XXXX and XXXX. It has been several month sending letter to them requesting a complete investigation and to send me documentation verifying that they did an investigation and that the items that has been reported in which i am disputing be verified just as the federal law states, The Fair Credit Reporting Act requires that verify the validity of the item within 30 days. If the validity can not be verified, they are obligated by law to remove the item. 

it has been over 5 months and they have not did an investigation and keep sending back letter that they did an investigation in which they have not done. 
The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in their reporting. Please delete this misleading information and supply a corrected credit profile. in addition i have informed them that their is someone with the same name as I have that they have possibly mixed up their information onto my credit report and therefore to send me documentation. They continue to send these generic letter and lie and state that they did an investigation and that they verified that the item belongs to me when in fact the item does not belong to me and they did not do an investigation, if they really did an investigation they would realize that the items do not belong to me. They are putting profit over what is right and what is the law and in the meantime they are causing me undue stress and great financial damages
Consumer complaint received 2023-12-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (WI)

My Cash App account was closed on XX/XX/XXXX. I contacted Cash app and they stated that it was closed because of activity that goes against their Terms of Service. I asked them what activity are they talking about and the advocate stated that they didn't have that information but they would file and appeal to another department for me. They asked me what did I use cash app for and I stated that my family and friend send me money to pay bills, buy medicine, make purchases for my household, or anything that I need done. I stated that I'm on XXXX and my family has to help me make ends meet. They stated that I would receive an email in a couple of days from the department. To date I have not received any correspondence from Cash App regarding my account. I have called several times and get the same response that they are working on it but no one can tell me what I did to have my account closed. I have not received an email or phone call from anyone. I am XXXX woman who has health issues and I need the app for my family and friends to help me throughout the month. I need to speak to someone who can help me open back up my cash app account.
Consumer complaint received 2023-12-05
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. (CO)

I was charged {$300.00} from cash app on XX/XX/ my debit card is hooked up to my cash app I did not authorize it so somebody got into my cash app account since then I closed my account & opened a new one with a new card Im just trying to get MY money back!
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I requestsed and got a pre-approval for an auto loan from Captial One. I found a car at XXXX  XXXX XXXX and went to purchase the car. I Gave them the approval letter and they told me they had to run my credit again and I gave them approval. Unknown to me, they ran my credit multiple times with multiple lenders. I already had my loan approved and they used capital one as the lender and I never gave approval to pull my  credit multiple times since I was already pre-approved.
Consumer complaint received 2021-03-08
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PDQ Services, Inc. (GA)

PDQ Services , Inc, have repeatedly tried to collect on an invalid bill for dental services, a cleaning, provided by XXXX XXXX XXXX on XX/XX/XXXX. Upon receiving a collection notice from PDQ, dated XX/XX/XXXX, I responded via mail to PDQ on XX/XX/XXXX, notifying them the claim was invalid and was in fact rejected by the insurance company because it was a duplicate already processed. I sent a copy of the EOB confirming the claim had already been paid by insurance and confirming that the billing in question was a duplicate and invalid claim. 

PDQ refused to correct the error and mailed me a second, threatening collection letter, dated XX/XX/XXXX, to which I responded again in writing on XX/XX/XXXX and provided another copy of the EOB confirming it was an invalid and duplicate bill. I followed that letter with a phone call to PDQ, during which they acknowledged receiving my correspondence and apologized for the error. 

On Sunday XX/XX/XXXX, I was notified by XXXX card services that PDQ had entered a derogatory claim on my credit record for failing to pay the invalid invoice referenced above. As a result my credit score has dropped and so far, one creditor has reduced my availability already, as a result of the fraudulent, derogatory information added to my credit record. 

Id like to pursue all options under the law to hold this abusive collection agency accountable for their illegal actions.
Consumer complaint received 2024-03-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (OR)

Citi Bank card, I make the payments and they're returning them.My account is going through my debit card to pay them and return it! After I sent them a cashier 's check for XXXXMy credit report taking a XXXX point decrease and I am paying interest
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. (CA)

This is ridiculous! I have been disputing for the removal of the fraudulent items completely from my Credit File for already a long time and yet the Credit Bureaus have done nothing! I have read that under the FCRA section 605b, the Credit Reporting Agencies are required to remove any accounts and infomrmation that resulted due to identity theft. The last letter I sent to the Credit Bureaus was dated XX/XX/2022 attached with my personal identifying documents and the IDTHEFT REPORT I received from the FTC. But despite all these efforts, it is clear that the Credit Bureaus have been slacking and ngeglected their duty with the FCRA. under the provisions of the FCRA section 605b, I need the following items completely from my Credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX - DEPT OF EDXXXX XXXX Balance {$1300.00} DEPT OF ED/XXXX XXXX Balance {$3100.00} DEPT OF ED/XXXX XXXX Balance {$3800.00} DEPT OF ED/XXXX XXXX Balance {$9000.00} DEPT OF ED/XXXX XXXX Balance {$3300.00} DEPT OF ED/XXXX XXXX Balance {$4900.00}
Consumer complaint received 2019-01-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL (DE)

My brother, XXXX XXXX, is receiving calls to his phone number ( XXXX ) repeatedly from the phone number XXXX saying that they are " serving documents '' to XXXX XXXX ( me ). They are calling once or twice a month for the past 3 months. In additional to my email I attached screenshots of the voice mails they are leaving. Calling back the XXXX number goes directly to some call center saying they are a law firm. They left the number XXXX in the latest email. We have asked numerous times to stop calling and to put on the Do Not Call List and they just hang up. 

Calls so far : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  " This message is solely intended for XXXX XXXX. This is XXXX I'm a courier with the??? tasked??? serving you documents that you will need pertaining to an upcoming court appearance this is my second attempt to locate you at your residence or place of employment to obtain your signature if this is a???? it will resolve and a missed court appearance on your behalf. To stop the process of being served or prevent a missed court appearance I recommend that you contact the filing party at XXXX. ''
Consumer complaint received 2022-08-29
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

We put a post for subleasing a private room on XXXX XX/XX/2022. We received a response over text that they are interested in the room. 
They said they will be getting a check from their corporate company to pay for the Accomodation and personal travel expenses. 
They asked me to deposit the check which I did on XX/XX/2022 and the bank ( Chase bank ) confirmed and deposited the XXXX $ on XX/XX/2022. The person requested me to send back the remaining amount for personal expenses through XXXX to their agent. I sent them XXXX $ since we had decided that the private room would be sub leased for XXXX XXXX I received a text that they wont be coming and I need to send the remainder of the amount as well. I just realized I have been scammed.
Consumer complaint received 2022-08-29
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc (MN)

Received, email and several phone calls from Hunter Warfield. They claimed I gave them permission to contact me which I never did. Email was sent to me on XX/XX/2022. The lied about me. Giving them permission to communicate via my email address.
Consumer complaint received 2019-01-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MI)

I need help trying to save my Home I been working on this since XX/XX/XXXX with the Lender and they still have not helped me. When I started this with them they told me not to make house payments till they got it worked we keep sending stuff back and forth they told me I don't understand what they are asking for so in XX/XX/XXXX I ask my friend to talk to them there still not helping and now put a sale date on my home XX/XX/XXXX We need and want to keep are home we been here 13 years paying for it We have a XXXX XXXX child that needs to stay in school here and the house is set up for him to live and get around my other son got a job this year to help pay the bills the state give us money for my XXXX  child and I am now working for time. We can pay for are home Please I beg of you help us save are family home .... 
XXXX Bless
Consumer complaint received 2023-09-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Conn's, Inc. (AZ)

I paid this account ( XXXX XXXX ) in full on XX/XX/XXXX in the amount of {$3800.00}. I paid over the phone using a debit card. I did NOT accept a settlement offer and paid the entire account in full. After I made the payment I asked if they would send me an email confirmation that my account was paid in full. They told me that it would automatically be sent. By XXXX  or XXXX I still had not received an email showing that my account was paid in full although the money had been taken out of my account. I called again on XXXX and requested the letter. I did receive a letter from them on XXXX however, the letter reflects that I accepted a settlement offer and the account was paid in full. I then call them again on XXXX XXXX XXXX XXXX. and spent a long time on the phone going over everything again. They agreed that my debt was paid in full and that it was NOT part of a settlement offer. Therefore, I asked them to send me a new letter reflecting the correct information as what I have is incorrect. It took several attempts to get someone that could hep me. I called customer service, collections and recovery departments. It was finally the recovery department ( XXXX ) that said that they would send me a corrected letter. I finally received a second letter today, however, it is an exact duplicate of what had already been sent with the exception of a different date! I'm so frustrated. I've spent so much time on the phone and they tell me that they will send the correct letter and I still don't have it. I want a letter that depicts what actually happened. My account was PAID in FULL with no settlement offer! It shouldn't be that hard.
Consumer complaint received 2023-09-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (SC)

This is a NAVIANT XXXX loan that iam the co-signer of for my daughter. 

On many occasions, Naviant floods me with call all day if they can't reach my daughter. They also, because of what they call an old system, call me even if there is no issues with the loan. 

They are harassing me to a point that I had to call and complain to management. 

This approach still continues as of this complaint date.
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. (CA)

I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any account whhttps : //portal.consumerfinance.gov/consumer/s/login/ich was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 


If you claim this account is 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file. 

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these accounts I will be referring this matter to my attorney for further action. Please do not make this a litigious matter XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$600.00}
Consumer complaint received 2023-09-26
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: The Outsource Group, Inc (GA)

On XX/XX/14 I received a description of service with the type of XXXX I had and other personal information. Then I was send an itemized list from a third party with all the different types of medications I was given and all the types of XXXX  that was use on me, etc. It came from the third party company. I feel that my privacy was violated and Im not sure what to do about.
Consumer complaint received 2019-01-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP (OR)

On XX/XX/2019, I deposited a check into my checking account with US Bank. The check came from an " agent '' with XXXX. The " agent '', stated to deposit the check so then we could pay the photographer, stylist, etc. The " agent '' requested a payment of {$500.00} but I was only able to send {$200.00}, since that was the only available funds made by my bank. The next day, XX/XX/2019, the " agent '' requested {$1200.00} to the stylist. I sent both transactions using XXXX with US Bank. I just received a call from the Fraud Dept. with my bank telling me the check I deposited on Friday was fake. Since the check is fake, the check will be returned. And since the money is not valid, I would be responsible for covering the funds I transferred. That does not sit well with me because I legitimately thought the check was real and the " agent '' was pressuring us to pay the photographer. I contacted XXXX and they have zero fraud protection for their consumers. I requested to file a claim with US Bank but I was told I'm liable even though the check was fake. I am not sure what to do at this point. 

Any help is appreciated. 

Thank you, XXXX XXXX
Consumer complaint received 2024-03-28
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (MI)

Due to law 15 U.S.C code 1692 ( g ) the following debt below should not be reporting all three credit bureaus XX/XX/2020 ( XXXX XXXX ) - {$1000.00}
Consumer complaint received 2023-12-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (CA)

XX/XX/2023, I used XXXX XXXX to receive payment for service rendered to a customer. Upon successfully charging customer 's card using XXXX XXXX, XXXX locked my ability to withdraw funds as they used to randomly, and requested I verify some information with them. Upon verifying the requested information, they went ahed to terminate my account, and threatened to hold my funds for XXXX which in return would cause unspeakable setback, hunger and possible eviction. I intend using the said funds to add up with the cash on me to pay my rent that same day I completed the services and got paid, but XXXX ruined it all and still refuse to let me access to my funds. Even though, ever since I started using their services for processing card payments, there has never ben a chargeback or dispute.
Consumer complaint received 2019-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: WELLS FARGO & COMPANY (CO)

wells fargo allowed three ( 3 ) times someone from inside wells fargo to cash advance the credit card and then move cash advances into a personal acct. ( SS ) ( XXXX ) and then into a Bus acct. ( XXXX ) A special code was put on card on XX/XX/XXXX to stop these transactions Yet they happened two more times Payments were made to the card from a wells fargo acct. ( not mine ) wells fargo will not furnish this info as they are covering it up wells fargo has tried to confuse the issue by saying I filed a Fraud Claim I did not I filed a Breach of Security Claim wells fargo has admitted that they know it was not me who did these transactions verified by the voice on the phone I have furnished wells fargo numerous times phone numbers XXXX XXXX Case no XXXX and XXXX ( XX/XX/XXXX ) as to where the Breach of Security is coming from wells fargo will not furnish the acct.info as to where these payments and cash advances came from so I can not file a police report I have lots of e mails to wells fargo over the last six months and letters that can be sent to CFPB as you can not trust what wells fargo says I am part of two class action suits that wells fargo has agreed to settle ( add ons and opening accts not authorized ) XXXX XXXX ( wells fargo ) is well aware of these suits Letter dated XX/XX/XXXX from wells fargo is a attempt to again confuse the Breach
Consumer complaint received 2018-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This XXXX account is NOT a charge off, collections nor is it a Fail To Pay. I have been with this Company 20+ years. I relocated to another State and XXXX was not able to transfer my service 's or account, So I was FORCE to CLOSE OUT and PAYOFF ACCOUNT.