davidheineman/consumer-finance-complaints-large huggingface dataset:
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 status incorrect
Company: EQUIFAX, INC. (CA)

This is my 2nd complaint against Equifax Information Services. I contacted them 4 times prior to filing a complaint on XX/XX/22. Equifax is failing to comply with FCRA Sections 611, 616 & 617. Equifax is reporting an account in error & when I filed a complaint they passed the buck back to the data furnisher & closed the complaint in 5 days. They DID NOT INVESTIGATE OR PROVIDE ME WITH ANY VERIFIABLE PROOF OF THE INVESTIGATE. This is a strict violation of FCRA laws. I need them to be held accountable for failing to comply with FCRA laws. ...

Here is my previous dispute- Equifax is consistently ignoring my requests to update an account which the data furnisher has already admitted they're reporting erroneously. XXXX # XXXXreported I was late on my payment. But they had closed the account & never adjusted the accounting accurately. EQUIFAX has not done their job in verifying this information. I've contacted them numerous times over the phone as well as XXXX. The account is in good standing. EQUIFAX has failed to comply with FCRA Section 611 where they're supposed to get verifiable proof. They're also violating section 616 & 617 by willful noncomplying with FCRA laws. I need both XXXX & EQUIFAX to update their records to reflect a positive tradeline. I'm currently suffering emotional stress which is causing performance issues at my job. I need this matter handled ASAP. Please update to closed/never late. Thank you
Consumer complaint received 2019-03-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (WI)

Our house insurance company has canceled our insurance policy due to nonpayment from our mortgage bank servicer. The renewal premium was due on XX/XX/2018. We submitted the renewal bill on XX/XX/2018, XX/XX/2018 and XX/XX/2018. We spoke with multiple people with both the bank and the escrow servicer multiple times as did our insurance agent. All criteria was met. Details are many and laid out on a spreadsheet to be uploaded with this complaint. This also occurred the previous year and now our insurance company won't do further business with us, we have to obtain a new insurance company, pay direct and more because of being canceled. Please see the spreadsheet and exhibits of proof for further detail.
Consumer complaint received 2017-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Opportunity Financial, LLC (IL)

I paid off an account ( loan ) and once the account was reported to  XXXX  it was reported closed but 30 days late. the account was never late, I co ntacted Opportunity Loans ( Op p Loans ) and was told that there was a glitch in the system and that this would be corrected in a few days. I waited from a call from someone by the name of  XXXX  who I was told would call me back but I never received a call. I contacted the credit bureau and disputed this, the dispute came back as information remains the same due to the number that was provided on the credit report is not the number should be used for Payments. the number provided to the credit bureau is just the corporate main number. so I have included the final email stating the account is paid in full with the correct contact number located in the signature. The information is still being reported as 30 days late which is not correct.
Consumer complaint received 2020-10-07
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. (TN)

I sent my initial dispute request to Equifax on XX/XX/2019 via certified mail and it was signed by XXXX at Equifax on XX/XX/2019. It took them over 70 days to respond which is well beyond the 30days requirement per the Fair Credit Reporting Act of which I asked them to delete the disputed items. They ignored my request and ignored their negligence. I hence informed them of Identity Theft providing a copy of my Federal Trade Commission Identity Theft report and a copy of my Police Report, they still continued to ignore my information and did not comply with Section 605 of the Fair Credit Reporting Act and did not  " block '' or " delete '' the items. The following accounts should be deleted immediately : XXXX XXXX, XXXX  XXXX XXXX, and US. Department of Education. I have certified mail receipts of over 5 Letters I have mailed to Equifax to correct the errors on my credit file. Please make sure they adhere.
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: Experian Information Solutions Inc. (TX)

Your Agency is violating my rights under 607. Compliance procedures [ 15 U.S.C. 1681e ] ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. this report is not accurate
Consumer complaint received 2017-03-29
Product: Debt collection — Payday loan
Issue: False statements or representation — Impersonated an attorney or official
Company: Acceptance Solutions Group, INC (TX)

I was contacted by a  XXXX   XXXX   XXXX  at JJ legal processing via phone and left me a voicemail, stating if I do not contact them him immediately that this will be my final opportunity to resolve my issue, he proceeded to say that I have  XXXX  counts of financial fraud that is equivalent to check fraud, never in my life have I been accused of this, then he proceeded to call my place of employment and told them that he was an  officer of  some sort and I need to contact them immediately, left a number of  XXXX  and file number. I call the number ends up being a representative of the website mentioned above also goes by Texa s Acceptance, LLC an d he proceeded to say that he look up my records and shows that I have never be in trouble for the financial fraud, I proceeded to say I know  XXXX   XXXX  I have your badge number because you stated that you were an officer and he then said would you like me to call the  XXXX   county court house, I  said yes please, because I would like to know what 's going on. He proceeds, we wait on the line, no one answers, he hangs up, so Then he disclosed who is representing and that if I intend to pay, I was like due to my financial situation, I can not at the moment, then he stated something about my bank account and I stated that I closed it. Then that upset him and I told him I am going to contact a lawyer because I know my FDCPA rights and that is illegal to say he is an officer of some type at the beginning and threaten me and wrongful accuse me. I contacted a lawyer office and I was told next time they call for me to tell them I am reporting them to the FBI for impersonating an officer and against the law to keep harassing me
Consumer complaint received 2024-01-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (TX)

This complaint is regarding Cash App. 
XX/XX/2023, XXXX XXXX, someone hacked into my cash app and linked a bank card to my app and did an instant transfer of {$250.00}. 
I called Cash App and submitted a dispute. Cash app said they would investigate and could take up to 10 business days. Within 2 hours my dispute was denied, and the claim closed and the email I received told me to submit a request for documentation that was used as part of the investigation. I submitted the request for the documentation and received back a one line that had no new information other than the fake name of the person doing the transfer " XXXX XXXX ''. I would never refer to myself as XXXX XXXX. It should be noted that if someone is going to link their financial institution to their app, the name on the account should match the Cash App owners name. In this case it absolutely did not match. 
I have subsequently opened another dispute and since the first dispute was denied Cash app denied my second dispute. I called in and opened a third dispute and cash app closed that one because the first two were denied. Now they will no longer allow me to submit a dispute and I have been doing the investigation they should have done. I have called the bank where the transfer funds were sent. They state they are a pass thought and have 250+ card issuers they partner with. 
Based on the first 4 numbers and last 4 numbers on the card that was fraudulently linked to my cash app, and the APN reference number of the transaction, the bank is trying to track it down but needs all the card numbers linked to the transaction and Cash App is refusing to give this information to me. 
Cash App should be held accountable for allowing this fraud to happen and should be doing a more thorough investigation. I have spent countless hours doing my own investigation to recover my stolen money. Cash App refuses to do anything further on this matter. 
Please call me so I can provide you with all the evidence to this point. I am at a loss as to how I can recover my stolen money.
Consumer complaint received 2022-09-07
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Omni Financial Corp. (AL)

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent XXXX attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, XXXX  failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge. 
On the date XXXX/XXXX/2022 XXXX XXXX, agent, d/b/a XXXX XXXX XXXX came before me today present as flesh and blood living being ( non-entity/non debtor ) under oath to the most high of creation only and provided the facts listed herein.
Consumer complaint received 2022-09-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION (NY)

The date was with XXXX via M & T bank. There was a payment sent to a fraudulent company, XXXX XXXX XXXX in XXXX, Wyoming. They are a fraud company who refused to give me the services of movers on the date and time ( XX/XX/2022 at XXXX ) agreed upon. Their business information is here : XXXX XXXX ( XXXX ) XXXX https : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # : XXXX The dispute was for {$530.00} made on XX/XX/2022 to XXXX XXXX XXXX XXXX XXXX. I got a notice from my bank, today, that my claim for a reverse charge and a cancellation of the payment to XXXX movers was denied and there was nothing they could do for me. This company has a horrendous reputation and I have filed with the XXXX  about this company as well. They refused to reemburse me for a product and service they did not deliver.
Consumer complaint received 2020-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (OK)

Submitted certified mail asking Credit bureaus to verify Bankruptcy based on 609 law. Asked for method of verification and ask to send documents of bankruptcy. Never got anything. The credit bureaus claimed they verified it through Lexis Nexis. Lexis nexis claimed it verify bankruptcy through courts. I have letter from courts saying that they do not give or sell any information to third party. Sent letter asking how they verified the bankruptcy and they never sent me proof. Please see attachments
Consumer complaint received 2017-06-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: ZIONS BANCORPORATION (UT)

On XXXX/XXXX/2016, Cash Advanced {$600.00} with our Social Security XXXX XXXX XXXX. Zions National Bank could not find the {$600.00} cash advance so they ran another {$600.00} on XXXX/XXXX/2016. This mistake held {$1200.00}, all of our income. The supervisor XXXX XXXX XXXX at XXXX, stated " that it was the same {$600.00} and they had not made any mistakes. Contacted XXXX XXXX and they explained that Zions had forced through the 2nd {$600.00} and we would have to obtain a letter from Zions releasing the 2nd hold. XXXX XXXX insisted that it was the same {$600.00}, refused to issue a letter releasing their hold. We had to wait 10 days before the Zions hold would fall off, during these 10 days, we had no $ for XXXX. We spoke with 9 people, and numerous times with XXXX XXXX. During this 10 day waiting period, we begged XXXX XXXX to consider helping us, after all, we have had an account for 29 years. We contacted the Branch Manager, XXXX XXXX, he refused to help us, a 3rd party performed their cash advances. We suggested a letter from XXXX XXXX, their records showed a double hold, he refused to accept the letter, they had not taken a second hold. On the 10th day the Zions 2nd hold fell off and our {$600.00} was released. Zions Bank, insisted that they had done nothing wrong, and could not figure out what happened. Because they did not know what caused the problem, we felt it necessary to file a complaint. XXXX XXXX is a government agency and they knew what happened, Zions refused to admit any fault in the matter. XXXX XXXX, Case # XXXX, sent me {$80.00} in XXXX 's coupons in XXXX, we have closed our account. They had a nice XXXX, we will never forget we did n't have XXXX because of Zions.
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

Notice for Proof of Claim Account : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom it may Concern, This is this complaint is submitted Under OHIO LAW U.C.C 1319.12Takingassignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is voidable. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.
Consumer complaint received 2021-09-03
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc. (VA)

I purchased a new phone from XXXX XXXX in XXXX of 2021. It was purchased at a company XXXX uses called ( XXXX ). The lady that sold me the phone deceived me with lies about XXXX giving me XXXX dollars for my old phone and promising me a XXXX gift card in addition to the sale of my old one. I didn't realize until after I had gotten home that I was duped out of my old phone because the receipt didn't show the XXXX dollar credit for my old phone. I couldn't go back because the place was closed and I was already informed that once my old phone was turned in I wasn't able to get it back. Days later I received an email about what my bills would look like and it was outrageous. A lot more than what I was quoted. I called customer service to get an explanation about the bill and the money I was suppose to get for my old phone. Reality set in that I was scammed out of my old phone when the lady told me the XXXX dollar GIFT card was the only thing I was getting for my phone. Not only that but when I was purchasing my new phone from XXXX  I specifically asked the lady that sold me my new phone if the the card was a Visa so I could purchase anything I wanted, but it was not. The card could only be used for XXXX  products. After three months of frustration, bad service and dropped calls I decided to pay off my phone and cancel XXXX all together. In retaliation XXXX sends me a bill for a month of service that I didn't use because they always bill a month in advance and they also want me to pay back the XXXX dollar ( GIFT ) card that they gave me. After refusing to pay they sent my bill to a collection agency called ( Convergent ) out of XXXX, Washington. These people have been calling me nonstop for weeks, sending letters and several emails. since I didn't respond they have resorted to harassing my wife by calling her too. I hope that no one else falls victim to this XXXX scam and I hope the CFPB can rectify this and get XXXX off my back.
Consumer complaint received 2021-01-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ALLIANT CREDIT UNION (MA)

Company did not comply with TRID regulations and has not provided me with a loan estimate for my mortgage application. I applied on XX/XX/XXXX and was contacted by the loan officer on XX/XX/XXXX. After the initial email I didn't receive any additional information. I know the loan estimate must be provided within 3 days so on XX/XX/XXXX I emailed the loan officer to check the status. He replied on XX/XX/XXXX and stated " I did not receive confirmation that you are proceeding with the application and locking a rate therefore a loan estimate has not been sent. '' Neither rate lock or intent to proceed are required to issue the LE. Furthermore, how could I agree to proceed with the loan without seeing the terms on the estimate? I replied to the officer advising they had the 6 pieces of information needed to trigger an LE and he sent back a copy of the loan application as a PDF titled " LE '' which is misleading and frankly dishonest. It's now XX/XX/XXXX and I still do not have an LE to compare against other lenders.