davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I have repeatedly tried to work out my issues making payments with capital one but the refuse to provide a resolution for this situation. I need several months of assistance however capital one does this month-by-month thing so I can't get this resolved and I end up having to scrounge up money to make the payment or even worse im forced. For XXXX 's sake i sold my car last month just to be able to eat this this month I have contemplated XXXX at times and this is not helping my situation I mad eit clear I need 20-3 months But when you try to resolve this with them through the XXXX they have the audacity to say contact the customer service line I do that it goes to some place in XXXX they have no empathy they put me on and off hold I can't do this any longer But what makes this worst is that capital one actually placed hardship on me in the first place. They forced me to go out purchase a phone just so I could access my account online. My internet bill which now has a phone attached to it has gone up 50 dollars every single month because of this for gods sake youve caused me hardship fincially and they did nothing I'm at the point of frustration that this is going to take a lawsuit to get this resolved I'm tired of going through this no customer service n support center just a call center in XXXX what has to happen to get this resolved But I am tired of this just being told to call a customer service number I cant do this anymore im getting angry and I think if something isnt done then a lawsuit needs to happen im tired of dealing with capital one I am tired pof my payments going up every single month to the point where even if I have funds I cant make them if this doesn't change then something has to happen because I can not take this anymore
Consumer complaint received 2024-03-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: Block, Inc. (VA)

Ok, fine, all peer to peer transactions are " not fraudulent '' according to Cash App. Forget about the money I was scammed for but if a consumer opens and closes and opens and closes XXXX cashtag debit cards for a total of {$10.00} but doesn't even receive them because the account closed within 24 hours - - the consumer should be refunded for the price of the XXXX cashtag debit cards.
Consumer complaint received 2023-05-04
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. (NJ)

last month i reviewing my consumer reports, I noticed that their were a few errors and then after investigating I have realized that somehow I became a victim of identity theft. I am highly disappointed that the XXXX, XXXX XXXX and Equifax has knowing participating in reporting these accounts without verifying with me. over 40 days has past since I submitted my written request to have my consumer reports corrected and no one has contacted as of today.
Consumer complaint received 2022-08-15
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: Experian Information Solutions Inc. (GA)

In accordance with the fair credit reporting act XXXX  account XXXX has violated my rights 15 USC 1681 section 602 8 states I have the right to privacy 15 USC 1681 section 604 A section also states a consumer reporting agency can not furnish your account without my written instruction
Consumer complaint received 2022-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

I have contacted the reporting agencies for over a year now trying to fix my credit profile I see that my personal information is incorrect. Also there are accounts that have discrepancies with the other credit reporting agencies. I feel my letters just get ignored when i ask for help regarding these issues
Consumer complaint received 2024-02-15
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. (FL)

The consumer reporting agencies, especially XXXX responded by email on XX/XX/2024, that they still investigating and waiting for the furnisher. Clearly they are not following the law I have clearly stated in the letters I sent to them, stating that late payments are not included and should not be included in the consumer reports, according to FCRA 15 use 1681a 2Ai. 
( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include- ( i ) report containing information solely as to TRANSACTIONS or experiences between the consumer and the person making the report. 

Also 15 usc 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

I just sent the consumer reporting agencies and XXXX XXXX another letter that will be attached here.
Consumer complaint received 2020-10-16
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AL)

After Hurricane Sally, I received several texts and instant messages on the USAA app regarding the bank offering assistance to its members impacted by Hurricane Sally.  For background, my house and neighborhood took a direct hit from the Hurricane ; I had spent over {$3000.00} out of pocket in additional clean-up expenses leading up to my request with USAA. Also, I have been a member of USAA for 27 years. When I contacted the bank about taking advantage of such assistance, the very assistance they solicited me to take advantage of, and even limited my reasonable request to only a two-week payment extension for my consumer loan, I was told that USAA was not offering any assistance. After I pointed out that I was contacted by the bank ; that they advertised the assistance ; they then came back and said that my zip code was not in the disaster area. After I responded that not only was my zip code in the disaster zone but I also had letters from FEMA and SBA as proof that I was officially declared within the disaster zone, they came back and said that USAA was not currently offering any assistance for Hurricane Sally victims. They sent me the attached letter.
Consumer complaint received 2022-08-15
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: EQUIFAX, INC. (CA)

There is a company XXXX XXXX XXXX XXXX. whom is reporting a collection on my credit reports XXXX XXXX, Equifax, and XXXX is not removing this account in the amount of {$13000.00} i did not open this account the account was open fraudulently i reported this to the company i filed a police report and a FTC report and sent copies of the reports to this company they are refusing to remove this account from my credit report and are violating the fair credit reporting act. 

This negative account on my credit report is preventing me from getting a mortgage loan
Consumer complaint received 2023-05-04
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. (MI)

I have called Equifax, at least 5 times trying to get this resolved. I have spoken with supervisors and reps and nobody seems to be able to help. I have sent this report, at best, 7 times to them and they refuse to acknowledge the paperwork that was sent to them even though I have return receipts.
Consumer complaint received 2022-02-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX / {$0.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) PROMPT NOTICE OF DISPUTE TO FURNISHER OF INFORMATION ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Consumer complaint received 2015-03-23
Product: Prepaid card — Transit card
Issue: Fraud or scam — 
Company: Blackhawk Network Holdings Inc. (PA)

XXXX/XXXX/15 I was a victim of a IRS scam, some XXXX called me and I fall for it and purchased the prepaid cards XXXX it and them the numbers of the XXXX prepaid cards, an around two hours later I realized it was a scam so I called the number in the back of the cards, a CSR inform me the the money was on the cards and she ( XXXX ) was putting a stop on the cards. I was happy as thinking did n't loose my money and everything was fine just like she said, also she give me a ITS number of the claim and explain the it will take XXXX to XXXX business day to send me a check, I explain the situation and ask her if she was sure the sto payment was done because this was a time sensitive situation and she said yes. Week latter I called the company to seek the status of my claim and the inform me they only put a stop on XXXX cards and the XXXX of them were redeem, they only can return the money on those cards and the rest was lost because the cards area like cash, I did understand that but when I called them the money was there and they supposedly put a stop, if they would it told that the stop would take time, I could redeem the cards my self and get my money back but the make me believe that my money was save and I believe them because after searched their name it seem like a legitimate company. The are regulated by the federal government, and license from XXXX XXXX XXXX XXXX XXXX XXXX FDIC. I feel the this company is as guilty as the people how called me, or more because they deliberated did n't inform me of the time a stop would take, on the other hand the make me believe the money was save and everything was fine that I should just wait for my money to come in the mail.
Consumer complaint received 2017-09-26
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. (GA)

There are 4 accounts showing on my Experian credit report. The account numbers are : XXXX, XXXX, XXXX, XXXX. First and foremost, these accounts are fraudulent accounts. Second, Experian is allowing XXXX to change dates on the account and change the account history in order to Re-Age the accounts and also Reset the Statue of Limitations. I spoke with 2 representatives of Experian on Sunday, XXXX and XXXX. They both informed me that Experian signs a contract with the creditor and the creditor promises through this contract that they will report accurate information to the credit reporting agency. However, neither XXXX nor Experian are abiding by the contract nor being truthful. These accounts are continuing to be reported and they are Fraudulent. XXXX is deliberately attempting to Re-Age these accounts and also Reset the Statue of Limitations. Experian is allowing this violation of the FCRA an FTC to happen. This is Illegal and therefore should on so many grounds be removed from my credit report Immediately. I have attached copies of my credit report from different dates showing how Experian has allowed XXXX to Re-Age and Rest the Statue of Limitations on these accounts.
Consumer complaint received 2024-02-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to formally dispute and demand the immediate deletion of fraudulent accounts associated with my name and personal information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-15
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: WELLS FARGO & COMPANY (WA)

On XX/XX/2022 i called Wells Fargo to open a Dispute against XXXXXXXX XXXXXXXX XXXX XXXX. I had Reserved a room that was {$260.00} a night and non refundable. I booked it through XXXX. I was given the opportunity to cancel for {$130.00} so i canceled. i was still charged {$260.00} so i was going to Dispute {$130.00} the person i talked to when i opened it said they would submit it for the full amount. on XX/XX/XXXX they closed the Dispute favoring XXXXXXXX XXXX XXXX XXXX for the full amount and charged my card {$260.00} on XXXX XXXX XXXX i Called Wells Fargo and Explained that it should of been for half since i gave them proof that it was cancelled for {$130.00} XXXX talked to a manager. i don't have her name but she said it was confusing because it says no refund. i explained that the offer to cancel for {$130.00} out weighs the original agreement. She said she needed to review it with her peers and promised to call me back on XX/XX/XXXX but she didn't so i Called Wells Fargo on the XXXX and talked to a Rep that said they agree that XXXX should only charge half and they are reaching out to them to have them pay back {$130.00}. so i called on XX/XX/XXXX to see what is going on. they said they reached out to XXXX and haven't heard from them. I asked how long do they have and they said no time limit. so i asked what happens to them if they don't ever respond. she said they have to. so i asked what happens if they don't she said I don't know. so its not resolved and stressing me out and causing me to lose sleep.
Consumer complaint received 2021-04-29
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. (GA)

I filed a dispute with XXXX XXXX XXXX  ( XXXX ) XXXX over 30 days ago and they have yet to respond to my Affidavit Of Truth, which was sent to them via certified mail. Which they received on XX/XX/21 and they have failed to answer. I informed XXXX XXXX XXXX ( XXXX  ) XXXX  that I am disputing their claim. Moreover I requested that XXXX XXXX XXXX ( XXXX ) XXXX supply me with copy of the contract with my authentic signature and their authentic signature which makes the contract legal. XXXX  XXXX XXXX  ( XXXX ) XXXX never provided a copy of contract with my authentic signature or their authentic signature and continue to report this account to the credit reporting agency. This account should have been deleted off the CRA files. Further more the fair credit reporting act regulates how creditors handle consumers dispute. The statue states that when a consumer disputes any item the creditor should conduct a reasonable investigation within 30 days to determine if the challenge item is correct. After 30 days have expired if creditor have not completed the investigation the disputed item must be deleted. Finally XXXX  XXXX XXXX  ( XXXX ) XXXX  failed to report the dispute to the CRA which is a violation of the FCRA section 623 and carries a fine.
Consumer complaint received 2017-09-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (GA)

This Company and bureaus ( XXXX XXXX & XXXX ) are reporting this account to my credit report. This is a fraudulent account this does not belong to me XXXX XXXX Date Opened:XX/XX/XXXX Balance Date : XX/XX/XXXX Balance Amount : {$1700.00} is reporting on my credit profile. the information that both parties refuse to send and VALIDATION and VERIFICATION.
Consumer complaint received 2022-08-15
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. (GA)

15 U.S.C. 1681 section 602 A states I have the right to privacy 15 U.S.C. 1681 section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instruction These rights have been violated by the following accounts being listed on my credit reports : XXXX XXXX XXXX XXXX XXXX  XXXX for over {$5000.00} and {$8000.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX which was discharged
Consumer complaint received 2017-02-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

please help me to come to a resolution in this matter, i have been a victim of ID theft and several accounts have been used on my behalf, i have already disputed this matter with all XXXX credit bureaus but so far no help from their end, i will be attaching my police report that i have inquired from XXXX XXXX police department along with the FTC application. 
please follow this issue with them thank you for your cooperation
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX, Transunion and XXXX were sent disputes in regards to fraudulent activity for accounts : XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXXXXXXXXXX XXXX-Account # XXXX XXXX ORIGINAL CREDITOR FOR XXXX & XXXX XXXX ACCOUNT # XXXX Verification of debt was not validated and no proof of verification was returned. 
Updated FTC # XXXX NOTICE TO CEASE AND DESIST Dear Sir/Madam, You are hereby notified to immediately cease communications and reporting on my credit report concerning the collections and the alleged debt associated with the account referenced above.This letter serves as a written request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). 
I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract, and proof that you are licensed to collect debts in my state ( if you are a debt collector ). Until such time as you provide verification of the debt, I am exercising my right to cease and desist all collection activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. 
Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report. 


Furthermore, I am requesting that all communication regarding this debt be conducted in writing only. Please do not contact me by phone, email, or any other means except in writing. Any further attempts to collect this debt without providing verification or in violation of the FDCPA will result in legal action being taken against your agency. 
IF YOU OR ANY OTHER AGENT OF YOUR COMPANY ATTEMPTS TO CONTACT ME OR CONTINUE REPORTING THE ALLEGED DEBT, A FORMAL COMPLAINT WILL BE FILED WITH THE FEDERAL TRADE COMMISSION. 
Please move forward with the above request. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) In closing, please acknowledge receipt of this letter and confirm that you have ceased all collection and reporting activities on this debt. Failure to comply with this request will result in further legal action. 


Sincerely, XXXX XXXX
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

15 U.S.C. 1681 section 602 A states I have the right to privacy 15 U.S.C. 1681 section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instruction These rights have been violated by the following accounts being listed on my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX  for over {$5000.00} and {$8000.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX which was discharged