davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-31
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MD)

I opened a {$40000.00} line of credit with XXXX XXXX XXXX  in XXXX used it a few times over the years and paid the amount off each time within the time frame, without any difficulties. I received a letter dated XX/XX/XXXX stating they were no longer offering baking products and they were transferring my loan to a company called Specialized Loan Servicing LLC. I had no balance at this time and decided I just wanted to close this account as I no longer had use for it. I called SLS LLC and was informed that I would be receiving a welcome packet and that I could take care of it then. I never received a welcome packet and when I continued to call, in XX/XX/XXXX I was told that I needed to submit my request in writing along with a copy of my drivers license to a XXXX XXXX in XXXX, Colorado, which I did. This exercise took Three ( 3 ) days to complete because of different people I was transferred to, dropped calls and people in different parts of the country. After a brief period I was contacted to submit a copy of my property insurance and the declaration page of my flood insurance. I have these items with XXXX. After more haggling and transferring I was told that I didn't need those items, They already had them. But I needed to submit in writing again with a copy of my drivers license a request to completely close out this loan, which I did. On Friday XX/XX/XXXX, I received a letter From SLS LLC stating that they were " Suspending access to my line of credit and this suspension will be in effect until this condition no longer exists! '' and that I may request a reevaluation of this condition at a later time. 
I Have a XXXX balance on this HELOC, there is not a mortgage on my property and all I am asking is that I can have a statement that this loan is completely closed and that I won't have to deal with SLS LLC ever again. I believe these people deal in deceptive business practices and would appreciate any help that you could offer. Thank You
Consumer complaint received 2017-06-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Transunion and XXXX both have failed yo notify me of credit investigation results I requested. I have for months disputed accounts with no resolve other than comments being added yo my credit report that I was disputing certain accounts. Please ensure this is dual complaint both against transunion and XXXX credit bureau.
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: LEXISNEXIS (TX)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL, NOTICE TO PRINCIPAL IS NOTICE TO AGENT Upon the reviewing of my consumer report, I noticed that you all were breaking several laws set by congress to ensure that information being furnished by you all are fair and accurate. 

I am putting you on notice that all Late payments being furnished on my consumer report is illegal. 

According to 15 USC 1666b. Timing of payments, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 21 days prior to the account being late I was supposed to receive written notice informing me that the account is going to be late. I did not receive any written notice prior.

According to 15 USC 1681b. Permissible purposes of consumer reports, the only way any consumer reporting agency ( XXXX ) may furnish a consumer report is if it is in accordance with the written instructions of the consumer to whom it relates. I never gave XXXX written instructions to furnish any negative information on my consumer report. 

By not obtaining my written permission to furnish this negative information you all are committing Identity Theft. You are fraudulently misusing my personal information for financial and/or personal gain. 
I should also make you aware of 18 USC 1028A-Aggravated Identity Theft, anyone knowingly uses without lawful authority a means of identification of another person shall be sentenced to 2 years of imprisonment and up to 5 years for a XXXX offense.
Consumer complaint received 2017-06-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.Q. DATA INTERNATIONAL, INC. (FL)

I have asked for this collection agency to validate this debt, they sent me a paper with a signature that is NOT MINE. I was not even living in XXXX on XXXX. This signature is fraudulent and forged. I am asking for them to IMMEDIATELY remove this collection from my credit bureaus which is negatively affecting my credit score.
Consumer complaint received 2024-01-30
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. (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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX 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 2016-08-25
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NY)

I was invited by Citibank to start my CitiGold relationship and earn a {$500.00} cash bonus under promotion code XXXX. During the past six months after I opened my CitiGold account, I have written confirmation from XXXX different CitiGold Customer Service representatives ( attached References XXXX, XXXX, XXXX ), whom also received confirmation from Citibank New Account Servicing ( NAS ) that indeed my CitiGold account was opened under and eligible for the {$500.00} cash bonus promotion XXXX. As required for the promotion, I completed my {$50000.00} deposit on XXXX XXXX, 2016 and held the funds in my account for 30 calendar days through XXXX XXXX, 2016 when my 90 day wait time began. My 90 days ended on XXXX XXXX, 2016. My savings amounting to over {$50000.00} has been tied down to this account for six months now with repeated assurances that I was eligible and would be receiving the {$500.00} cash bonus by XXXX XXXX, 2016. Citibank needs to immediately resolve the matter and deposit the {$500.00} cash bonus due to me.
Consumer complaint received 2024-03-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (LA)

Hi, I believe I am a victim of fraud or hackers because someone linked their card with XXXX XXXX XXXX ending in XXXX to my cashapp account and cash out XXXX. Cashapp keep denying my request after I tell them I had no knowledge of the transaction at all. I never received an email until the card was unlinked and my money was gone. All cashapp refunded was the transaction fee of XXXX us dollars but they allowed an unknown card to link to my account and cashout. I have tried to ask for the person name but they wont give me a direct answer they just keep denying my response. I use cashapp as my primary bank at the moment so all my money is currently gone. I have no money to eat, pay bills or anything and cashapp wont help me with a throughout investigation.
Consumer complaint received 2024-01-30
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. (FL)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
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
Consumer complaint received 2020-07-11
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Account Resolution Corporation (MO)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this  company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Consumer complaint received 2019-03-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Patient Accounting Service Center (KS)

Requested verification of debt on XX/XX/XXXX received letter dated XX/XX/XXXX that the company has determined your dispute is not valid & that the information is correct however attached paperwork does not verify or substantiate any debt ie is only a print out with my name but does not prove debt is mine
Consumer complaint received 2018-02-01
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. (NJ)

I have tried everything that I know how to do correctly, Still, TransUnion, XXXX and XXXX  will NOT remove this from my credit report even though I have submitted this information to you 3 times already. Not only that they decided to double the amount to add insult to injury. 
This loan should have been removed 2 years ago it's NOW 11 years later & it's like gum stuck to the bottom of your shoe they seem to want to punish me for the rest of my life cause I lost my job ... ..the Law in NJ under Statue :, New Jersey Statute of Limitations on Debt Collection, SAYS -- - Demand Notes when no demand is made : 10 years. If demand made : 6 years from date of demand, ( 12A : 3-118 ( b ) ). THIS DEMAND IS PAST THE STATUE?? 
( XXXX XXXX XXXX XXXX  ) I'M trying to get a better job & place to live but they, ( TRANSUNION ) ( XXXX ) ( XXXX  ) NOR ( XXXX XXXX XXXX XXXX ) ARE ALLOWING ME TO MOVE MY LIFE FORWARD. WHAT DO I NEED TO DO TO HAVE THIS DROPPED FROM MY REPORT. Please help me with this is was Suppose to be Removed ALREADY ... 
Thank YOu for your assistance in this matter without your help, I don't know what to do
Consumer complaint received 2024-03-03
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. (TX)

I was paid XXXX by a customer that requested XXXX lash sets and equipments for XXXX clients in each class, its a partnership where I provided everything she needed for under XXXX! She has since then received all merchandise and already started her classes but Im not able to transfer my money on square or get my money for my products! I want to press legal actions against square and I want my funds asap
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 — Account information incorrect
Company: EQUIFAX, INC. (NC)

I recently received my personal credit report and found that an account with XXXX XXXX is listed as past due and 90 days late the account shows an account balance when in fact the account is not past due or holding a remaining balance as it was paid in full months ago
Consumer complaint received 2022-02-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Capital For Change, Inc. (CT)

I have a loan with this company for a furnace unit. I've paid on time for my monthly installment for the past 5 years. There was one month when the company changed from XXXX to Capital for Change or XXXX.In XX/XX/2022 I went to make my final payment on this loan, only to find out you can not pay on line and must call to speak with someone who will send you a payoff request document. This document must be filled out and returned which I did. Once I recieved my payoff notice hood until mid XXXX, I found a late fee for for the time the company had changed names and website. I asked that this fee be removed as it was their website issue and so I could payoff the loan. I was told that I had to speak with customer service on a {$20.00} fee. I have had a string of emails and phone calls without resolution. The customer service stated they would waive 1 fee and I said there was only one, I was then told there is now another fee because I did not make payment ontime. I explained to the customer servie representative I'd like to speak with their supervisor, that it was ridiculous that they are attempting to charge me another fee and unwilling to waive it when it was their system that had the error and then when I looked for resolution they took over a week to respond, only to state there was another fee. 
Now I have recieved a letter threatening collections and the problem has not been resolved. I have had calls between myself and my wife to this company over the past week and their supervisor has not responded to the situation, and the employees just pick up and are either extremely rude stating you have to wait for a supervisor or hang up the call. All this aggrevation and poor customer service over a {$20.00} fee if resolved I would have paid off the loan immediately.
Consumer complaint received 2023-08-31
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (AR)

Recently, I was reviewing my credit report and noticed there was some inaccurate and incorrect information on my credit report. 

XXXX, XXXX has placed a collection on my credit report that does not belong to me, XXXX XXXX. 

According to 15 USC 1651, accurate and correction information must be placed on my credit report as well as a right to privacy
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. (NY)

It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough inquiry into the situation and accelerate the removal of these unauthorized accounts from my credit report as swiftly as you can. Your immediate focus on this issue is highly valued.
Consumer complaint received 2021-09-03
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (MD)

On Friday, XX/XX/2021, I wanted to see if I prequalifed for a XXXXXXXX XXXX XXXXXXXX credit card. I clicked on the link for " see if you prequalify/ Get a decision in seconds with no impact on your credit score. '' It took me to page that says " See if you prequalify for a XXXXXXXX XXXX XXXXXXXX credit card! '' with a bullet that says " Prequalifying does not affect your credit score. '' So I inputted the last four digits of my social security number and phone number as requested.

What I did not notice is that the link sent to my phone said " only click the link below to complete your credit application. '' And then the application I was filling out was actually for the real credit card application, NOT the prequalification application. I called the customer service line and they said that I had filled out the real credit card application and that it will impact my credit score. I was denied the credit card and there is nothing they can do.

This process has been so frustrating and misleading. I was assured by the messages on the website that this would not impact my credit score and now it will. Synchrony is the company that handles the XXXXXXXX XXXX XXXXXXXX credit card application.
Consumer complaint received 2019-03-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I recently received my personal credit report and found that an account with XXXX XXXX is listed as past due and 90 days late the account shows an account balance when in fact the account is not past due or holding a remaining balance as it was paid in full months ago
Consumer complaint received 2015-11-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Diversified Consultants, Inc. (IL)

This account was removed from all XXXX reporting agencies by your agency help me in the pass. and every year its put on my credit report every year and it has been removed 3 times
Consumer complaint received 2021-05-20
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. (TX)

This account was suppose to be removed and still hasnt been removed on all credit bureaus as it is still showing on my credit report. Please see note below : On XX/XX/2021 XXXX received a notification from the credit bureaus stating this account was removed with control number 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. (OH)

I asked the credit bureaus to validate or remove several accounts from my credit report on XX/XX/XXXX and after no response, I followed up again on XX/XX/XXXX. XXXX responded on XX/XX/XXXX, stating that they had verified the accounts but did not give any valid explanation of their investigation.
Consumer complaint received 2017-08-31
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BB&T CORPORATION (NC)

I was charged 1 % over the fixed rate of a conventional loan for XXXX years. The bank provided me with the apology letter but did not add the money that they drafted out of my account as a principal payment. Since this was a XXXX XXXX dollar loan the 1 % over XXXX years was damaging to my financial stability and almost lost all my investment. I have refinanced the loan with a different bank now but at closing we disagreed with payoff amount.
Consumer complaint received 2024-03-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc. (CO)

I open a cash app account XX/XX/2019 for personal since then they've been taking 2.75 % of anything that sent to my phone and so I started investigating more just a couple of weeks ago and I found out that they set me up a business account I did not set up a business calendar I open up that account for personal and they've been taking 2.75 % of anything that sent to my phone or to my cash app card since XXXX  cuz they're saying I had a business account I once I found out about that I disputed it and they refused to let me talk to a supervisor they refused to close refund my money because I opened a personal account not a business account I don't never open the business account I don't know how to open the business account they refuse to accommodate me or even speak to me in a proper manner and everyone that I've spoke to are Foreigner people and they're not willing to refund me my money back I never had a business account with cash at I don't even know how business get how you open the business account with cash app