davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I have filed a complaint on XXXX/XXXX/XXXX # XXXX. You show that a charged off account with a balance. You responded : The balance for disputed XXXX  account XXXX has been updated to XXXX on the Equifax credit file. I received a copy of the credit report on XXXX. It still shows a balance. You must delete the account immediately under the FCRA rules. Your investigation is completely false. If this account is not removed forthwith, I will file a lawsuit against your company for reporting false information. Attached is the proof.
Consumer complaint received 2024-01-07
Product: Credit 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: Block, Inc. (MI)

I made a reservation with XXXX on XXXX XXXX to rent a room at XXXX XXXX. I held the XXXX deposit on my Cashapp card. Its a XXXX balance owed. Cashapp is holding my deposit still, despite it being 14 days. I sent them the email holiday inn sent me, and still they refuse to release my XXXX dollars. All they give me is a generic message. I stayed at the same hotel XXXX XXXX XXXX, and placed the deposit on my bank card. I received my funds 2 days after checkout. I have no balance yet they keep responding with cash it, and not returning my funds. Im a single mom and I need my funds.
Consumer complaint received 2020-05-28
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: EQUIFAX, INC. (TX)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX, XXXX, XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF XXXX XXXX
Consumer complaint received 2017-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MN)

In the fall of  XXXX , I tried to repair inaccurate reporting of a closed   XXXX   XXXX   XXXX   account through   XXXX   that showed up on my Experian Report. I settled the account in  XX/XX/XXXX  with   XXXX   XXXX   XXXX   XXXX   and closed it. However, old information still appeared on Experian. I became aware of this inaccurate reporting situation when we began looking to buy a house and got our credit reports for the first time as a couple. When I called   XXXX   XXXX   XXXX   XXXX   to have this remedied, asking that they update the information, it made the account look more newly closed, dating it  XX/XX/XXXX  This only appears on my Experian report. I 'd like to have this removed. For my report to be accurate, the account was closed  XXXX . I believe it should no longer be on there. Can you help me? I 'm afraid to call back directly, as my first attempt to remedy this only made it worse.
Consumer complaint received 2017-06-26
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: WESTERN CONTROL SERVICES, INC. (CO)

Western Control ser vices out of Colorado claims that they served me for an old medical bill that they never did properly serve me. THey have a service form that goes to someone that I have never heard of and that did not live with me at my address at the time. I tried to tell them this and they continued with the garnishment. Now that the garnishment had been completed for over a month now, I have NEVER received a paid letter, I was over garnished and have still not received my refund, and the satisfaction of judgement has never been filed and this has now costed me a home loan and an auto loan. I have complained to the CFPB before and got nowhere, however, the  AG  for CO has stepped in to give me some advice and some help. PLEASE HELP!!!!!!!!!!!!!!!!! This company practices abusive collection tactics and uses false process servers so they can get around the system.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS) (DE)

I recently received a copy of my Chex System Consumer report and I noticed an account on my consumer report that should not be on there. I never gave Chex Systems any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. As a consumer, I am demanding the deletion of the following account XXXX. XXXX XXXX XXXX  ; Account number : XXXX Original Charge Off Amount : {$590.00} Closure Status Date : XX/XX/2019 Account number : XXXX Original Charge Off Amount : {$630.00} Date of Closure : XX/XX/2019
Consumer complaint received 2022-03-03
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. (VA)

Im accordance with the Fair Credit Reporting Act XXXX account # XXXX violated my rights. 

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, also states that consumer reporting agencies can not furnish a account without my written instructions.
Consumer complaint received 2022-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I have been contacted multiple times by phone and us mail from a company called portfolio recovery. i have no idea what the account is for. i have asked them via us mail and email to please verify the information and they have not. I have been denied credit and a place to live because they reported to all 3 credit bureaus that i owe them {$410.00} and I do not. They refuse to verify this information. I have no idea what this account is for so I asked them to please verify with the below : 1. a signed application by me agreeing to any contract with portfolio recovery associates llc 2. a signed application by me agreeing to a credit card with XXXX XXXX XXXXXXXX 3. a complete itemization of all charges, including purchases along with the interest rate 4. the complete account number with XXXX XXXX XXXX 5. the age of the debt 6. portfolio recovery associates llc associates license number 7. portfolio recovery associates proof of ownership
Consumer complaint received 2024-01-06
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. (CO)

On XX/XX/XXXX i processed XXXX transactions via square utilizing vanilla Visa prepaid gift cards purchased by myself in the amounts of {$9.00} {$45.00} and {$150.00} I have had my square account open and in good standing since XXXX square then placed processing on a hold and required me to verify my identity again which I did numerous times square then refused verification and without causation authorization or violation of squares terms and conditions deactivated my account on XX/XX/XXXX I received an email from square indicating that the funds being held would be released no more than XXXX business days after XX/XX/XXXX of XXXX on XX/XX/XXXX of XXXX my square account reflected that the funds were XXXX available for transfer and XXXX pending transfer however the transfer process was still under suspension I contacted square customer service once again and they indicated to me that although they could see the email that they sent to me the time frame that they provided me had been met and received the situation needed to be escalated to a team to review that my account was indeed deactivated which it is and was as of the XXXX of XXXX of XXXX and that it was in fact XXXX business days after XX/XX/XXXX of XXXX which today is XX/XX/XXXX indicating exactly XXXX business days after the first of XX/XX/XXXX therefore taking another full business day before they could review the process and determine if my funds can be released they are holding my funds illegally and without cause there has been no fraudulent activity or elicit processes I have met all the requirements and requests the fact that they need to review and read an email to verify what they could already see on the account is asinine and uncalled for and affecting my business 's bottom line when I requested to escalate the matter they advised me I needed to wait and that my call was unproductive and they disconnected the call their customer service is XXXX at best they have provided no resolution they are holding my funds without cause or merit and are doing nothing to adhere to the time frame in which they themselves set I want my funds released as indicated in the email from square within the allotted time frame there is no reason for another XXXX or more period to pass to review what is already plainly on the account in addition to I want any and all processing fees removed and or reimbursed in addition I am requesting compensation for time lost in managing this situation and trying to gain resolution without succession
Consumer complaint received 2021-08-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Everest Receivable Services Inc. (FL)

Called my roommates phone asking for myself saying they had legal documents and were trying to verify address. Friend handed me the phone and I would not verify ssn number, but did verify address. Later in the day I called on my number and XXXX knew who I was ( so it proves they had my number ) and I asked if they had my number why are they calling friends and family.
Consumer complaint received 2021-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

I never gave Equifax XXXX or XXXX consent to furnish a consumer report on me they are violations of my consumer rights as federal protected consumer Pursuant 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2021-06-09
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. (MI)

I never gave XXXX TransUnion or XXXX consent to furnish a consumer report on me they are violations of my consumer rights as federal protected consumer Pursuant 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2017-10-16
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Gurstel Law Firm, P.C. (AZ)

I have been paying my debt with Gurstel Law Firm XXXX consistently and going by my calculation I have paid more than {$5000.00}. However, whenever I call Gurstel Law Firm XXXX to give me the breakdown of what Im paying off they refuse to do that. I would like to know what Im paying off such as attorney fees court fees, and how much is paid toward the balance. 
I believe Im being charged frivolous charges thus why the company refuses to give me the breakdown of the balance. I have contacted the company for many months and they keep telling me that they can only send me the total balance without the breakdown. 
Attached I the letter they have send to me every time have called but it doesnt help me without knowing the breakdown for fees and changes they are charging me. Please help me regarding this matter.
Consumer complaint received 2022-03-03
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. (TX)

In accordance with the fair credit reporting act XXXX Account XXXX XXXX ACCOUNT NUMBER # XXXX has violated my rights. 

15 U.S.C section 602 A. States I have the right to privacy 15 U.S.C SECTION 604 A section 2. It also states a credit reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-09-03
Product: Credit card or prepaid card — Store credit 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: TD BANK US HOLDING COMPANY (NY)

On XX/XX/2021 I purchased two XXXX gift cards with a sum totaling {$250.00}. 
Immediatly after purchase, when I tried to apply the gift cards to my account, I received an error message stating that the cards contained a balance of {$0.00}
Consumer complaint received 2017-06-26
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. (AL)

I PRESENTED XXXX WITH MY ALABAMA ISSUED DRIVERS LICENSE FOR THE PAST 17 YEARS. SOMEONE WAS LIVING UNDER MY IDENTITY IN XXXX XXXX NEVADA IN XXXX, XXXX. I LIVE IN ALABAMA AND NEVER LIVED OUTSIDE ALABAMA I HAVE ASKED XXXX TO REMOVE ALL NEGATIVE ACCOUNTS FROM MY CREDIT FILE ASSOCIATED WITH XXXX XXXX NEVADA BECAUSE THIS IS NOT ME! THERE IS A XXXX XXXX XXXX XXXX. THERE IS A XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. ATTACHED TO MY CREDIT FILE THAT IS NOT ME. THESE NEGATIVE FRAUDULENT ITEMS ARE RUINING MY CREDIT FILE ALSO THERE IS A XXXX XXXX AND A XXXX XXXX CHAPTER XXXX THAT SI NOT ME. WHOEVER DID THIS I HAVE RESEARCH BETTER THAN XXXX. FILED THIS CHAPTER XXXX ONLINE PROSE. NOT ME PLEASE INVESTIGATE AND CORRECT MY CREDIT FILE. THIS IS MY 2ND ATTEMPT ASKING FOR A RE INVESTIGATION. I HAVE DOCUMENTS FROM ALABAMA THAT SHOW I FILED ALABAMA TAXES XXXX PLEASE CORRECT YOUR RECORDS.
Consumer complaint received 2021-09-03
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: Nelnet, Inc. (TX)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft DEPT OF ED/NELNET Account Number : XXXX This is not mine. 

2. Identity Theft DEPT OF ED/NELNET Account Number : XXXX This is not mine. 

3. Identity Theft DEPT OF ED/NELNET Account Number : XXXX This is not mine. 

4. Identity Theft DEPT OF ED/NELNET Account Number : XXXX This is not mine. 

5. Identity Theft DEPT OF ED/NELNET Account Number : XXXX This is not mine. 

6. Identity Theft DEPT OF ED/NELNET Account Number : XXXX This is not mine.
Consumer complaint received 2021-09-03
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (WA)

XXXX XXXX  is who we were with until XX/XX/2021 that's when we got our notification in the mail that they were selling our Mortgage to Freedom Mortgage starting on or effective by XX/XX/2021 Freedom Mortgage will become our new service provider of our Mortgage. I have tried and tried to call and get a new Account number to pay our Mortgage and they say they don't have one for us yet. And that it could take awhile to get us one. NO NO that doesn't work for us. Both of these Mortgage Companies are breaking Laws Period. First we Never got a reasonable notice of transfer of our Mortgage with Homepoint under 15 days Not Legal at all. and then our new Mortgage Company Freedom doesn't want to give us a new account number so we can pay our XXXX 's Mortgage payment now. They said it could take awhile to get into the system No Way can this be Legal to Not Take a Payment from a New Customer or to Not provide us with a new Account number at all is it? How come wee can't pay on our Mortgage Now or even get an account number from Freedom Mortgage at all? 
In 12 days they could show us as we payed Late. We have NEVER paid Late. In fact our Mortgage has always been taken out Auto pay on the XXXX day of the month for 10 years. 
They will not give us an opportunity to pay on our Mortgage at all. Please HELP us in this matter in anyway possible to get resolved. Thank you.
Consumer complaint received 2017-06-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CHARLES SCHWAB CORPORATION, THE (CA)

On  XXXX   XXXX ,  2017 , I applied for a  Schwab  checking account, a High Yield Investor Checking account ( see Attachment B, page  2 ). Schwab  ran a  XXXX  inquiry on that same date ( see Attachment A.pdf, page  XXXX  ).     On  XXXX   XXXX ,  2017 , I received a letter from the company, stating my application for the account had been declined, due in part to information on   XXXX    (  see Attachment B, page  7  ).     I applied again for the account sometime before  XXXX   XXXX ,  2017 . The company again declined my application stating the same reason as in the  XXXX   XXXX ,  2017  letter ( see Attachment C, page  1  ).     I do not see what it is the company sees on     XXXX   that would bar me from opening a checking account with them.
Consumer complaint received 2017-06-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc. (FL)

I am a  XXXX  Veteran that had an emergency causing me to utilize a local hospital emergency room. At the time of service they were given my VA credentials and billing information. They are refusing to bill the VA for the amount and I have spoken to the hospital billing department which states that they do that all the time. Now the amount is on my credit report and they will not remove it. This is inaccurate reporting and needs removed from all three reporting agencies.
Consumer complaint received 2022-09-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (NC)

I MOVED LAST YEAR I NO NOTHING OF THIS DEBT I DONT EVEN NO THIS COMPANY I NEVER GOT ANY DEBT VALIDATION VIA EMAIL OR USPS MAIL BUT THEY ARE HARASSING ME BY CALLING MY PHONE NOW EVERYDAY ALLDAY THEY HAVE RUINED MY CREDIT THEY REPORTED THIS ACCOUT TO ALL THREE CREDIT BUREAU'S.WHICH I DONT OWE THEM ANYTHING BECAUSE I NEVER HAD A WRITTEN CONTRACT OR AGREEMENT WITH THIS COMPANY.
Consumer complaint received 2017-06-12
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (VA)

Promotional Balances on  Lowes Consume r Credit Card  Promotional b alances ( same as cash as long as paid within promotional payment period ) are being paid first before normal purchase balances. I have complained about this numerous times. I do not have the dates of the complaints. On each occasion I was informed that there was an error on their part and that an adjustment would be made and the amount would be applied to normal purchases instead of the promotional balance. This has been on going for many months. I have been told that it is a system error each time however even after I call none of my balances have been adjusted as they said they would be. When I call back and they tell me it could take as much as two to  three  billing cycles. It has been far more than that and still no resolution. This seems like a predatory way for the credit card company to charge finance charges to unsuspecting clients. If  one  is not monitoring how the payment is being applied then it is sure to cause unnecessary finance charges to appear on their bill.
Consumer complaint received 2017-06-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (AK)

XXXX XXXX I terminated my phone contract with XXXX XXXX because I was being stationed in an area where they do not cover. I provided them with my military orders and paid them what they said I owed. I left the store with no bill or anything due to them. In XXXX XXXX I received a letter in the mail saying a debt collector was attempting to collect a debt I owed. Enhanced Resource Center ( ERC ) is the company I was dealing with, I called them to find out what exactly was going on. After being transferred to multiple people I was told my " case '' was being placed in a dispute status and I would find out the outcome in 30 days. After approximately 35 days I called them to find out what was going on, this is when I started getting the feelings of being scammed. The company had no information about my " case '' nor did they know the " collector '' that was assigned my case. I was transferred to multiple people once again and was finally told they have over 1500 employees so each time I call it would be a different person. There were strange background noises during the phone calls and each person I was transferred to was more lost then the first one. I was refereed to the " managers '' number and called that and went to a very non business like voicemail. I left 2 messages and non were returned. I looked up ERC online and see they have numerous bad reviews about being a scam and worse. I contacted the FTC and explained to them my situation and they said my complaint was noted and I should contact my home attorney generals office. I called them and left a message to return my call, still waiting. Today, XXXX XXXX XXXX I received a phone call from ERC and told them not to contact me until I am informed that this is a real dispute.