davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (NJ)

On XX/XX/2022, I sent my son {$25.00} via CashApp, which he never received. It was sent to his original account linked to his old telephone number. His phone number was changed but he still had access to his Cash App account up until he had his phone replaced and had to reinstall the app. During this time, I sent him {$25.00} he never received because both his phone and new telephone number was not linked to his old account. I tried to resolve this since I was the sender and he tried to resolve this since he was the intended receiver. We have both been unsuccessful with their steps for verifying his identity. They have essentially told me that there is nothing they can do on my end and suggested he create another account without any investigation or transfer of monies to his new account. Meanwhile, my money is sitting in his virtual account. There is no live person to speak with and I have chatted with several assistants and have even asked to escalate my issue but they refuse and have closed all chat sessions with me. 
We have taken every step or recommendation they've asked and each step or recommendation has led to nowhere except back into another chat session.
Consumer complaint received 2024-03-08
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE (TX)

Barclays is a card that was opened when I had a trip to XXXX so I paid for my accommodation but they offered me to be an associate to belong to packages around the world with promises that were not fulfilled however I never used those terms and I received a card that had already been charged However, I rejected and started a legal matter that I have to reject said offer before the month I have all the papers since it was a misleading offer and I never used said service and they unsubscribed me. This account was closed and now they sold this account to XXXX but they continue to charge me for something that I did not use
Consumer complaint received 2022-03-10
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. (CA)

There is an account on my credit report that does not belong to me and has been open for months. It was not opened by me or authorized by me at all and i need to get this inaccurate information off my credit report. This account was opened in my name and has been verified by the creditor that it is not mine and my identity can not be confirmed in their system. This account from XXXX is not my account and has been negatively affecting my credit report. The account number is XXXX.
Consumer complaint received 2018-03-24
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I have been working on repairing my credit after I found out I was involved in the XXXX security breach, so I started from the bottom and worked my way up. Well, I requested all my credit reports and I got examining them and I noticed that on all 3 reports there are several inquiries I did not authorize. So, I began the steps I sent in countless letters for removal they never removed them, now this costs money because stamps and overnight mail is not cheap, I emailed and nothing, I called and nothing, send more letters and nothing they keep saying they are not authorized to remove the inquiries. So, I called in and got the same answer. Now, my brother sat at my house and used my phone and called all 3 bureaus and asked them the exact same thing I did about having only certain inquiries removed that he had no knowledge of and withing 5 minutes he had 33 inquiries removed from all 3 bureaus with no questions ask! Well, I followed suite of him and called and said the exact same things he did and I got the same answer that they are not allowed to removed inquiries from the report, but they removed all his withing 5 minutes! And my brother is not the only person I know that has had inquiries removed from their report just from a phone call! My question is why do they do it for everyone else but refuse to acknowledge mine and remove them. I am not requesting everything removed just the ones I have questioned that I know for a fact I did not do! I believe this is showing favorite to certain people and also discrimination as to pick and chose who you want to remove items for. I have spent over {$200.00} in postage the past few months to no prevail at all and my brother and others make one simple phone call and boom things are removed! Absolutely not fair business at all! Also, all 3 bureaus do not follow suite with each other like I have ask ... I have also sent in letters, emails and phone calls about that too and each bureau is reporting different information when they should be all reporting the same like I ask. This is ridiculous and is negatively hurting my score because of their wrong doings!
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I've contacted TransUnion via mail about accounts on my report wit improper dates that are misleading and i asked for removal of these accounts if they can not verify the correct information. I've gotten no response from them and they didn't delete the accounts as requested
Consumer complaint received 2019-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAVALRY INVESTMENTS, LLC (NY)

My account with cavalry was settled in XXXX add I reached out to them a few times and they told me about it takes 30 days to have removed off about credit report it has been over 60 days and they are still reporting to XXXX XXXX that it's an open account
Consumer complaint received 2018-03-24
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: AMERICAN PACIFIC MORTGAGE (CA)

On or about XX/XX/XXXX, I was contacted by XXXX XXXX. XXXX XXXX is a senior consultant at American Pacific Mortgage ( APM ). XXXX XXXX told me I had not been given the proper time to review documents associated with my original mortgage loan. Also, he told me APM would refinanced my loan at no cost to me. 


On or about XX/XX/XXXX I received some information from a federal government agency. An XXXX XXXX XXXX XXXX ( XXXX ), Loan Estimate with an issue date of XX/XX/XXXX and a XXXX Addendum to Uniform Residential Loan Application was included in the disclosure. 


My analysis of the documents follows : 01 ) I had not seen any of these documents before. 


02 ) All documents had an interest rate of 4.250 %. I was unaware of a potential 4.250 % interest rate. 


03 ) All the documents electronically signed with my name are forgery. 


04 ) All the documents electronically signed with my name have the same date and time stamp. 


05 ) All the documents electronically signed by XXXX XXXX have the same date and time stamp. 


06 ) All electronic signatures look like they were written by the same person. 


07 ) The XXXX has an extra blank page with an electronic signature of my name. 


I have questions about the attached document. 


01 ) I would like to know why I never saw any of these documents?

02 ) I would like to know why I was told about the 4.250 % rate?

03 ) How is it possible that all the documents electronically signed with my name have the same date and time stamp? 


04 ) How is it possible that all the documents electronically signed by XXXX XXXX have the same date and time stamp? 


05 ) Why do both electronic signatures look like they were signed by same person? 


06 ) Why does the XXXX have an extra blank page electronically signed with my name?
Consumer complaint received 2022-03-10
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. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2018-03-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery Associates calls me on almost a daily basis trying to collect a debt that is way past the statute of limitations on debt. I have asked them to stop calling me and told them that I have no intention them of paying a debt that is past the statute of limitations, especially when the debt was sold to them from a credit card company. I am not going to pay them for a debt that I never signed an agreement to pay them for. The debt was with a credit card company several years ago, not with them. I have explained this and asked repeatedly for them to stop calling but they continue to harass me.
Consumer complaint received 2017-02-05
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc. (NY)

From XXXX XXXX to XXXX XXXX, Convergent Outsourcing , Inc. phoned me four days in a row ( one call each day ) looking to collect the money I owe XXXX. The 4th time I told the caller that what they did is illegal. She responded by saying " I do n't know anything about that ''. I tell them that I am on public assistance.
Consumer complaint received 2018-03-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (OH)

In XX/XX/XXXX I completed my required annual income certification for the income based repayment plan. I received confirmation of approved on XX/XX/XXXX. I also applied for PSLF and my loans were transferred from XXXX to XXXX XXXX on XX/XX/XXXX, I recieved the official letter of transfer. The new loan servicer ( XXXX XXXX   ) states that I NEVER completed my annual income certification and that my new payment amount is almost way more than I was approved for. I was forced to request a forbearance which could impact my consecutive payments under an IBR for PSLF. They say that I have no choice but to go to XXXX and request a new Income based repayment plan all over again because the " information didn't transfer over ''. I did everything I was supposed to do and the servicers are the ones that messed up, not me.
Consumer complaint received 2017-10-25
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. (CA)

My name is XXXX XXXX. This is a formal complaint against Transunion for refusing to remove a XXXX bankruptcy from my credit report that does not belong to me. My report says that the identification or account number for this bankruptcy is # XXXX. This is not my first dispute against this item, I have been fighting tooth and nail with Transunion trying to get this removed for years. First of all, this account is only being reported on my Transunion file. There is no record of a bankruptcy on XXXX or XXXX. This says a lot because if I really would have filed a bankruptcy in XXXX, this would also be showing up on my other two credit reports but it never has. I am attaching a screenshot from a recent report which shows this fact. Second, there are no negative accounts listed on my report that show any indication I ever filed for bankruptcy. How can I have a bankruptcy if there is nothing listed on my report to suggest I ever did? This should be very straightforward but is something Transunion has continued to ignore in all of my past disputes. Last and most importantly, I have contacted the XXXX XXXX Bankruptcy Court to the XXXX number provided in Transunion 's responses. The information they have does not match my personal information. I was told I would need to dispute this with Transunion in order to get this removed. If all this is true, how can Transunion respond to my dispute verifying that this is my account? My dispute is being disregarded as frivolous when it is really Transunion failing to process my dispute properly.
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2022, Ive contacted Experian multiple times about to delete inaccurate information on my consumer report but they yet to satisfy the problem because Ive had rude supervisors and unwillingly to help resolve this matter by telling me lies and not being direct and honest and continue to violate my consumer rights and failed to follow up with the fcra laws which causes damages to me a consumer/natural living person great harm financially.
Consumer complaint received 2018-03-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC. (WA)

I was not aware or notified of the alleged debt until my credit was pulled for the new apartment i applied for.The highest balance according to the report on my credit is {$5200.00} and the balance is $ XXXX immediately contacted the collection company IQ DATA INTERNATIONAL on XX/XX/XXXX and spoke to XXXX asking him to provide me a written statement for the debt. I asked him to send it to my email which he refused to do. I gave him my address instead to mail the statement to which he reluctantly took. I asked him when should I be expecting the statement and his replied was I do not work in the post office. According to the law, they should provide me with the statement within five business days. I called back on Monday I spoke to a lady which refused to give me her name, she said I would get by Friday, but when Friday comes I did not receive any mail from them. The effect of this debt have lower my credit score and lost two  apartments I applied for including the application fees. The original creditor is XXXXXXXX XXXX XXXX, which I rented a one bedroom apartment for $ XXXX  monthly rent between XX/XX/XXXX and XX/XX/XXXX. I asked them if they can provide me a statement of my rent payment history while I was living in their apartment. The accountant in charger XXXX told me that he could not find anything on my name but they also refused to provide my account statement while living in their apartments. Prior to me moving in in XX/XX/XXXX, I paid a three way rent of {$2400.00}, the first and last month rent and down payment. I moved out at the end of my lease and never received back my any portion of my down payment. I do not know what the alleged debt was for. i was never evicted or notified or provide any documents that show why i am own them the huge amount. Since i did not receive any written statement from IQ DATA, I will be sending them a written letter of dispute.
Consumer complaint received 2017-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

In XX/XX/XXXX, Experian investigated my disputed item posted by XXXX XXXX XXXX and allowed XXXX XXXX XXXX to incorrectly update the account as an unpaid charge off on XX/XX/XXXX. Both XXXX XXXX XXXX and Experian knew that XXXX XXXX XXXX sold the debt to new creditor XXXX XXXX XXXX in the year of XX/XX/XXXX and that I paid the debt in full to the new creditor on XX/XX/XXXX. I have supplied both XXXX XXXX XXXX and Experian with the documentation ( attached here ) from XXXX XXXX XXXX that I paid the debt previously owned by XXXX XXXX XXXX in full on XX/XX/XXXX.
Consumer complaint received 2017-10-25
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. (GA)

Un Verified Accounts Pursuant to the FCRA & the FDCPA I am filing this complaint to exercise my lawful right to question the validity of two specific debts that all three credit reporting agencies have on my credit file and claims to have become due and negative. 

According to the FCRA, if a credit file is going to be reported on a consumer 's report it has to be properly verified by the credit bureau. The FCRA states that the bureaus are the ones that have to keep this verification on file. 

I am well aware that under the FCRA section 609 disclosure to consumers, a credit reporting agency is not required to remove accurate derogatory information from my file, unless the information is outdated under section 605 or can not be verified. 

All three credit bureaus have placed this information into my credit file with NO VERIFICATION! Nothing has been done as to whether these accounts are valid, hence they are Unverified! I understand that All Three Credit Bureaus have violated my rights to report these items on my credit report! 

Fair Credit Reporting Act ( FCRA ) protects me and governs the activities of Credit reporting Agencies and regulates how they report information about me. 

They are required to have copies of the original signed credit application in their files, which they have failed to provide to me. Each time I dispute these two entries it has come back as verified within a few days, which further lets me know that they have not fully verified the accounts. They are required to have a copy of the credit application that I signed when I supposedly opened the credit account with the creditor on their files. They have failed to show that their agency verified the information and the accounts belongs to me and to show that their agency verified the information before they placed it on my credit report by identifying the proper identification required ( driver license and SS card ) + a written contract/request identifying me.
Consumer complaint received 2020-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: General Motors Financial Company, Inc. (TX)

I have been calling GM Financial about this Repossessions on my credit and they keep telling me to disputed it and I do and they do nothing about it.i have called them A few dozen time about my account which is pay in full and I have paperwork stating that I have my truck and a letter from them saying it paid off they will not assist me at all. Im trying to purchase a house and this is really stopping me at this time hurting my credit score. And me and my family is suffering from this because we need this off my credit to move forward please please help us.,
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX Please tie this to my husbands complaint XXXX with your agency his name is XXXX XXXX XXXX XXXX XXXX was part of a 2012 foreclosure and should be removed they have retailiated and placed their account twice on my credit report and shown as open. I will file a complaint with the attorney generals officem Also there are XXXX hard inquries i teqieated to be removed or send me a copy of a signed application for each. 
A photo pf both issues attached.
Consumer complaint received 2021-09-08
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: General Motors Financial Company, Inc. (MA)

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Consumer complaint received 2017-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (MN)

I have tried to request a free credit report with Experian and I have attempted to freeze my credit with Experian. In both cases, their online system fails and requests that I send a physical request for the documents.
Consumer complaint received 2024-03-08
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: AMERICAN EXPRESS COMPANY (SC)

My name is XXXX XXXX I had a CD with American Express online banking account ending with XXXX that matured on XX/XX/2024. 
I notified them to transfer the money to my XXXX XXXX. The wire transfer did not go through and they told me over the phone that they sent a check to my address on XXXX XX/XX/2024. I have never received that check. 

I waited for several weeks and did not receive the check. I called them countless time. They said to wait to see if the check would show up. 

The check never showed and I called them after that and they said that I had to submit a Stop Payment Form and they would send me one by e-mail and I could complete it with docusign and return it. The form never came. I called again and I received a form by e-mail that had to be completed and faxed to them. 

I completed the form and faxed it to them telling them that I wanted the funds to be wired to the account number that I wrote on the form, not to send a check. This was done on XXXX XX/XX/2024 I called on XX/XX/XXXX and they confirmed that they received the form. And I stressed that they wire the funds to my XXXX XXXX account and they confirmed with me the XXXX  XXXX account number. And they told me they were processing it. 

I never received the money and I called them many times and was told that it was being processed. 

I called again and they hung up on me once when I asked for a supervisor. On XXXX. XX/XX/2024 I asked to speak to a supervisor and they told me the supervisor is busy and informed me that a check was mailed that day even after I told them not to send a check and wire the money to my XXXX XXXX account. I think they told me they sent a check to just get rid of me. 

Today is XX/XX/XXXX and I still have not received the funds in my XXXX XXXX  account nor received the check that they claimed they sent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX Phone # XXXX XXXX XXXX Email : XXXX XXXX