davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-08
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. (NY)

I received your response that you wont process my to dispute inaccurate information because you believe it didnt come directly from me or are claiming that Im working with a third party or credit clinic. Lets get the record straight!!! Im the one whos disputing this information. The information Im disputing is INCORRECT & I NEED THIS MATTER HANDLED IMMEDIATELY. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the DATA FURNISHER had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth, and SSN #. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Consumer complaint received 2019-03-02
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (TX)

National credit adjusters started calling me around XX/XX/2019 in regards to a debt they bought from XXXX XXXX. They advised me they received the account XX/XX/2019. They have since been calling me everyday, twice per day, even after they speak to me and I advise I am at work they will call back later. Per, FDCPA they can only make contact with me once per day. When I asked them when and if this would go on my credit they told me they did not know and tried to strong arm me to pay. I have never received anything in writing from National Credit Adjusters advising me that they have assumed the debt. Per, FDCPA I have 30 Days to dispute the debt and they should have sent me a letter giving me 30 days and they DID NOT. Also, per the FDCPA they are not allowed to demand payment during the 30 day validation period and they are also suppose to advise me when this account will got to my credit. As o today XX/XX/2019 this account is on my credit, without notification, without giving me my 30 days dispute period. They are in violation of the FDCPA on so many levels.
Consumer complaint received 2024-02-29
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. (MA)

I am a XXXX XXXX in private practice. Since my office closed due to XXXX I have been working with my clients on XXXX. I have used Cash App as one way for my clients to pay for my services. I also used it to send money to others. In the last 2 months Cash App informed me I needed to change from using deposits from my local bank checking account and now I could only use my bank Debit card. The bank told me not to give my Debit card numbers to Cash App, it was not safe from scamming. First I could no longer send money, then without notice they stopped allowing me to retrieve money. They had asked for {$1.00} for their services to stay open, I sent them {$10.00}. 
I called twice to attempt to resolve this situation, they were not able to help, nor would they allow me to speak to a supervisor. They insisted I get a Cash App card that would work with a private list of banks, the names of which they would not tell me. There is a 2 week wait for the card. I informed my clients to no longer send me payments through Cash App. Two mistakenly sent me their {$15.00} co pay, one sent {$440.00} for the full amount. So I had close to {$490.00} deposited they would now not allow me access to unless I gave them my Debit card. I filed a complaint with XXXX.
Consumer complaint received 2019-03-02
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: Innovis (GA)

I realize that I have been a victim of identity theft, This account should be removed from my file inmediatly because they have course great problem in my ability to get credit and a better job. I have filed an FTC report and a police report with XXXX police, this report number is : XXXX a copy of this report is attached. Please remove all none account holding inquiries, opt me out from prescreening offers and opt me out permanently from your systems. 

Thank you.
Consumer complaint received 2024-02-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.M. Galicia, Inc. (CA)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exists. In requesting documentation none was provided. Due to identity theft this should be removed. 
Company has not provided proof or evidence of anything It by law be deleted off my report or Ill ask the court to compel Company to produce the notes.
Consumer complaint received 2021-09-03
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: RGS Financial, Inc. (GA)

They keep asking for a person who does not belong in my household nor is a person that this phone number belongs to. I do not personally know the person that they are trying to collect the debt from but they have made several calls to my phone after I had expressed that they had the wrong number to the person they were trying to reach.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

I'm writing to complaint to EXPERIAN about the detailed information on my credit document that isn't genuinely agreeable, demonstrated legitimate, or reported as completely obvious and truly checked. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I go by XXXX XXXX XXXX. My birthdate is XXXX. I have noticed likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. The FTC report numbers related to this complaint are XXXX and XXXX. As a customer, I'm qualified for request or potentially constrain you to eliminate them when conceivable inside my government and state customer or potentially social equality. I am filing this consumer complaint and conducting a consumer check to ensure compliance with FACTA Title 1 Section for the particular items you are reporting. 151 that unambiguously obliges a depicted of the modus. This is a legitimate inquiry of information and declaring.
Consumer complaint received 2021-09-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (MO)

I had XXXX at XXXX XXXX in XXXX, MO in XXXX of 2021. I was told I would have to pay a set amount of money upfront before having XXXX, to pay for what the insurance company would not cover. I paid that amount so I could schedule XXXX. Fastforward to XXXX of 2021, I get 5 collections related to billing by XXXX XXXX for my XXXX. Nobody ever contacted me about the bills, I never received the bills in the mail, and I called them to try to make it right and pay the bills, and I was told that the accounts would not be removed from collections, even though XXXX XXXX is clearly liable for these bills not getting paid. This would be a different situation if I hadn't offered to pay the bills to correct their mistake, but they still refuse me the ability to make it right. So I would like to report them for destroying my credit, that I have worked tirelessly for years to repair, and refusing to correct their mistake. Now Transworld Systems is refusing to remove the collection from my report as well.
Consumer complaint received 2021-10-09
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: Source Receivables Management LLC (CA)

This is erroneous! Your agency failed to provide the monthly payment, terms, credit limit, past due, and date of last payment as it is missing from the report. It is your agencys job to investigate my dispute as it is severely affecting my scores negatively.
Consumer complaint received 2017-04-19
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

They tell me that I had owed a debt from  XXXX  credit card, and they can not sue for it due to the age of the debt. I tell them that I am on a fixed income and they still offer me a high amount to pay it off. When I asked to stop or cease contact they refuse
Consumer complaint received 2019-03-02
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: NCB Management Services Inc. (FL)

XXXX XXXX  purchased bad paper loan from my previous car loan provider who repossessed my vehicle. The car was sold, the insurance paid the shortfall and the company is now reporting this old debt as legitimate on my credit report.
Consumer complaint received 2024-01-29
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. (PA)

I, XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Consumer complaint received 2024-02-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (PA)

This person shared on XXXX that they were selling concert tickets, and I had friends that were close with this person so I assumed we were safe to buy the tickets. We spoke on the phone and she was specific about the tickets and information. Once we verified everything on XX/XX/XXXX, she told me her and her cousin split the tickets, and verified who her cousin was. I spoke with her cousin too and she asked me to send payment to her. I sent her the money via cash app and then she would not respond to me. She kept making up reasons not to send tickets then just stopped answering. I knew right away it was a scam. I contacted cash app immediately and they were saying they can not assist me and theres nothing they can do. It was immediate so there was no reason they couldnt assist me. They told me we could send any evidence to them but they didnt allow me the opportunity to send anything to them. We filed a police report and everything and tried to provide them with it, and they wouldnt even allow me to do that. The police verified with the woman whose XXXX page it is, that she had been hacked for months. We reached out to XXXX but they didnt help. We also contacted PSECU and they werent able to do anything, but we are out {$600.00} and feel the Cash App is not assisting us at all with getting our money back. We have been patient but we called them immediately and it should have been able to be taken care of. We hope we are able to get our money back since weve taken all of the proper steps in appealing. Security measures within cashapp must not be very good to not catch scammers. The police report number filed through XXXX XXXX police department is XXXX.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 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 a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-09-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: STATE EMPLOYEES CREDIT UNION (NC)

I got my tax refund and my stimulus check and XXXX XXXX XXXX XXXX sent it to my bank account that was no longer accessible they closed it because I owed money. And the bank took my tax refund and stimulates check for the economic relief. How if possible can I get this money back? The irs sent it to XXXX XXXX XXXX XXXX  then XXXX XXXX XXXX XXXX sent it to my closed account. I had called them before hand and explained that my account was closed and asked if it was any other way I could get my funds without them sending it to that account but they said it was nothing they could do. So the bank just took the money because I was in the negative.
Consumer complaint received 2017-06-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NY)

Coinbase has my money and wo n't allow me to trade it or withdraw it. They have no customer support and have not responded to my emails for a week. I have {$7900.00} in XXXX on their XXXX trading platform with another {$9000.00} borrowed on margin. I am unable to touch this amount because all trading is disabled.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (SC)

Upon reviewing my records, I have confirmed that the payment in question was made on time. Despite this, my credit report indicates a late payment, which is incorrect and does not reflect the true status of my payment history. 

This inaccuracy is of great concern to me as it unfairly impacts my credit score and my overall financial reputation. It is crucial that my credit report accurately reflects my payment history to ensure a fair assessment of my creditworthiness. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain accurate and up-to-date information. I believe that this late payment notation is a mistake and request that you investigate and correct this error promptly.
Consumer complaint received 2022-09-08
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. (VA)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( XXXX ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-XXXX ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, VA XXXX 2. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 3. there is some inaccurate information reportinXXXX XXXX XXXX XXXX Number : XXXX Please correct/update this inaccurate information on my credit report. 4. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please remove it from my credit report. 5. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 6. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please remove it from my credit report. 7. there is some inaccurate information reporting. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 8. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 9. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 10. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, VA XXXX
Consumer complaint received 2016-08-26
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

My husband passed away in the fall of 2014. In the last two years, I have tried to work with Bank of America in order to assume the house loan. They have blocked me at every step and require me to start over every time. It seems as if they are trying to make me lose the house. All payments have been made on time but they will not help me put the house in my name so that I can refinance.
Consumer complaint received 2016-12-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (CO)

The State of Colorado has no legal authority to put to a foreign case on my credit report. It has to be done by the country with whom the legal issue revolves around. 
XXXX has not responded, they just keep messing up my credit report. I have 30-31 days to make a car payment, and they keep saying I am 30 days late, I have never been 30 days late. I make XXXX payments per month in the month. I also have a 3 month payment deferment which they seem to of forgotten all about last year. 
XXXX XXXX has turned my debt over to a collections agency now both are showing the same debt. I returned the Items but I get no response from them or the XXXX credit agency 's. 

THE credit monitoring and reporting is a real SCAM!!! The system is so inaccurate and when you try to correct it nothing happens except they want and take your money which it should not coast anything to keep track of your life history.
Consumer complaint received 2019-03-02
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Advantage LNS Inc. (MD)

XXXX XXXX XXXX trying to collect a debt of XXXX. And already reported me to the credit bureaus when in fact I do not owe anything from original Creditor XXXX XXXX XXXX. XXXX Report No. 1XXXX. Attached a copy of certificate of full payment from XXXX XXXX XXXX.
Consumer complaint received 2024-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (NC)

I tried to take out {$400.00} from a ATM at XXXX XXXX, it was a XXXX XXXXXXXX XXXX ATM. I was using my Cashapp card to do the ATM transaction and it went through and my money came out. But before I could grab it, the machine pulled my money back into the machine and the money was still taken out of my account and I need this money for bills very very badly and they haven't refunded it yet. I would think that if would be a simple fix and they could easily see the problem and that I never grabbed the money. I was using that {$400.00} for my car payment and now I am super late on my payment because of it and they won't refund it. I opened a claim with the ATM operator and Cashapp but nothing has been done yet. I have included a picture of the ATM operator and phone number, the original receipt and also the picture with the writing is the case number from the ATM operator that I opened a claim with.