davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (OR)

On XX/XX/XXXX I had a charge on my card from a business that ended up being a scam ( a fake business called XXXX XXXX XXXX ). I brought this to the attention of CashApp on XX/XX/XXXX including sending with it screenshots of my attempted conversation with the business. The company website has a section to input your order number and email to check order status. When I input this I get no order that comes up. So I get in the chat and have been trying to speak with the 'business ' for over a week and they will not reply. I took this to cashapp so fast because I didn't want to wait and let more time elapse. So I sent Cashapp my screenshots and the next day they denied it on the basis 'the merchant performed their duties ' which is impossible and didn't happen. I immediately disputed that decision and sent them updated screenshots so they could see the 'company ' was still ghosting me after my requests and the very next days cashapp denied me once again on the grounds the 'merchant performed their duties. ' I then contacted XXXX and they told me they only people who can do anything are cashapp or their issuer, XXXX XXXX. Only XXXXXXXX XXXX don't return phone calls nor have any standard customer service person to call ( unless you have a XXXX Account to type in ). Cashapp has been extremely unprofessional and unhelpful and its shocking to have a financial institution treat its members this way. For CashApp to deny this twice with the evidence I sent is disturbing. 

This fake website XXXX ' is now completely down. I included a screenshot of that which I just took today. 

The picture of the original receipt that shows the charge, That was all they gave me as a receipt. No email came through which was concerning. Had I not taken a picture of this screen I never woulda had my order number to try their fake order check system. 

The pictures of a binding ( there's XXXX of them ), look in the bottom right to see me attempting to make contact with them for days, until their website shut down.
Consumer complaint received 2019-08-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Avadyne Health Holdings, Inc (NC)

H&R accounts was contacted for a bill of $XXXX that XXXX XXXX XXXX XXXX XXXX   says I owe.Statement date:XX/XX/2019, that they mailed to me on behalf of them. With this bill I cannot read the bottom of the paper as it is too small to see to what number to call. But I called XXXX  and made a payment today on this amount oweing.  At the Emergency room I agreed Agreed to make monthly payments as I had a part time job AT THE TIME, but there was no set amount.  I do have existing medical coverage with my husband's employer XXXX XXXX, and did then.  There was no set date for the monthly payment as it was not offered to me before  I left the hospital that I remember as I was being treated for XXXX XXXX and was trying to keep from passing out.I have a job at XXXX XXXX XXXX XXXX XXXX  and make more money with more consistent hours. I have made a payment today for XXXX XXXX XXXX. I received this collections statement unduly to me as I was unaware that a specific day of the month needed to be made. I am on XXXX DAILY now as I had to get a family Dr. And I'm trying to get better . ALSO I was charged from XXXX XXXX XXXX   their expensive room E.R. without me knowing it until after the fact.
Consumer complaint received 2019-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: TD BANK US HOLDING COMPANY (MN)

Unable to login to my account.  Seems like it is permanently locked out and does not recognize my device ( computer ).  Worked fine yesterday.  Will not recognize username and password.  Wasted day with them with passcodes and emails I can not access when on their web page form.  Just locks out the account for access.   Calls get nowhere since you can not get IT to intervene and send a one time password to log in with and then change after logging in.  Had same password and user name since taking out the card with XXXX XXXX.  This TD bank card is no longer connected to my XXXX XXXX account either.  XXXX says have to log in with TD Bank now.  How??? Does not work.  Phone gives no passcode, email will not go back to form to insert passcode.  I want to get on this site to pay my bill and cancel it after I take my rewards cash back out.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

To update this suspicious information, I sent a letter to the three credit bureaus. I believe that these accounts have not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more. 

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 XXXX XXXX XXXX XXXX
Consumer complaint received 2018-02-26
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)

XXXX XXXX originally ( XXXX XXXX ) XX/XX/2015 Account # XXXX Please validate this information with these collections agencies and provide me with copies of any documentation associated with this account, with my signature. In the absence of any such documentation with my signature. I formally request that this information be immediately deleted/ removed from the credit file you maintain under my Social Security Number. Please note that you have 15 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification. I am keeping careful record of your actions, including multiple attempts of how many times, I have contacted you via certified mail and by phone to correct the inaccuracies of these collection agencies! 

I also took the liberty of attaching my credit report from XX/XX/XXXX where the account was not even showing up. XXXX XXXX are billing due to pipes bursting, I am not entitled to pay. I attached the certified letters stating I am not responsible for any pipes bursting and it was and is currently a false claim. I will not pay for something I am not responsible for I did not break lease or cause the pipes to rupture or breach any part of my contract with XXXX XXXX.
Consumer complaint received 2018-02-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (GA)

On XXXX XXXX my feelings were all over the place. I felt angry, deceived, and disrespected. I made an error on Complaint ID # XXXX and Im writing to correct it. My Loan Modification was approved on XX/XX/2018 and not XX/XX/2018, sorry about the error, but these 6 months dealing with XXXX XXXX XXXX has been pure XXXX. It was XX/XX/2018 when I received the call from XXXX XXXX claiming they didnt receive my XXXX payment. My XX/XX/2018 Payment was sitting in a Suspense Account. After praying to XXXX about all the chaos Im going through with XXXX XXXX XXXX, I realize this battle is not mines, its the Lord. I pray for all the people involved in wrongdoing, because I know that no good deed goes unpunished.
Consumer complaint received 2018-02-26
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. (PA)

I have a paid and closed account on my credit file from XXXX XXXX XXXX. This account was paid and closed in XXXX of XXXX to this day equifax & XXXX XXXX the CURRENT STATUS as 120+ days past due. How can that be a current status when the account is paid and closed? and has been for over 3 years now. 

The current status should be reporting as XXXX & XXXX or XXXX, not late! 

This reporting is very damaging to me, and is causing me problems when I try to pursue a mortgage. this current status reporting needs to be corrected as its incorrect
Consumer complaint received 2018-02-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Mary Jane M. Elliott, P.C. Attorneys At Law (MI)

On XX/XX/XXXX, XXXX XXXX XXXX XXXX on behalf of XXXX XXXX XXXX received a judgement against me in the amount of XXXX. On XX/XX/XXXX they requested a Garnishment of my state income tax refund. It has been 8yrs and 5mos, way of the XXXX for the State of Michigan. This has been off my Credit Report for more than a year now. Now my return is being held. 
I will be filing a objection with the state as soon as I receive their notification in the mail.
Consumer complaint received 2019-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (KY)

XXXX and Equifax are not sending me updates. I have written several letter over the past few months with no response. 
Equifax send email confirmation, but does not allow me access when I visit their website to check. I have requested numerous times for my reports to be mailed. This is very fustrating since they continue to report inaccurate information on my credit report, which is against the law. 

Equifax Equifax Dispute Completed Notification RemindeXXXX. Confirmation Number : XXXX Fri, XX/XX/19 Read Equifax Equifax Confirmation Number : XXXX - Dispute Completed Sat, XX/XX/19 Read Equifax Equifax Confirmation Number : XXXX - Dispute Completed Thu, XX/XX/19 Read Equifax Equifax Dispute Completed Notification Reminder. Confirmation Number : XXXX Wed, XX/XX/19 Read Equifax Equifax Dispute Completed Notification Reminder. Confirmation Number : XXXX Wed, XX/XX/19 Read Equifax Equifax Confirmation Number : XXXX - Dispute Received Wed, XX/XX/19 Read Equifax Equifax Confirmation Number : XXXX - Dispute Received Mon, XX/XX/19 Read Equifax Equifax Confirmation Number : XXXX - Dispute Received Sun, XX/XX/19 Read Equifax Equifax Confirmation Number : XXXX - Dispute Received Fri, XX/XX/19 Read Equifax Equifax Confirmation Number : XXXX - Dispute Received Thu, XX/XX/19 Read Equifax Equifax Confirmation Number : XXXX - Dispute Received Mon, XX/XX/19 Read Equifax Equifax Confirmation Number : XXXX - Dispute Received Mon, XX/XX/19 Read Equifax Equifax Confirmation Number : XXXX - Dispute Received Mon, XX/XX/19 Equifax Equifax Confirmation Number : XXXX - Dispute Received Equifax Confirmation Number : XXXX - Dispute Received
Consumer complaint received 2021-01-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC (AL)

The company I am filing this complaint about is Amerihome. I originally applied for 3 month forbearance due to covid. I began making my payments again as agreed upon but accidentally turned in the paperwork several days late. They then sent a letter my forbearance was denied. I have called, sent emails, and letters. I have spoken with people and they say they will resend documents or send me other documents to see what I qualify for and then I receive nothing. I a trying to figure out what COVID program I may qualify for but no one will help me.
Consumer complaint received 2022-04-07
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: Experian Information Solutions Inc. (VA)

n accordance with the Fair Credit Reporting XXXX XXXX # 's XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX has violated my rights.
Consumer complaint received 2020-09-07
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. (NC)

I'VE BEEN IN CONTACT WITH THE EXTENDED SPECIAL SERVICES FRAUD DEPARTMENT WITH EXPERIAN AND SHOWED THEM PROOF WITH A POLICE REPORT, COURT DOCUMENTS, FTC REPORT AND ARREST FROM THE PERSON WHO STOLE MY PERSONAL INFORMATION. EXPERIAN STILL WANT TAKE THIS LOAN OFF THAT IS FRAUD, BUT THEY REMOVED THE INQUIRE THAT OPENED THIS LOAN AS FRAUD AND BLOCKED IT AND REMOVED IT AND PUT A FRAUD ALERT ON MY CREDIT FILE. THE OTHER 2 CREDIT BUREAUS REMOVED THOSE ACCOUNTS AND BLOCKED IT. BUT NOTHING I SHOW EXPERIAN FRAUD DEPARTMENT IS NEVER OOD ENOUGH. IM XXXX AND RETIRED XXXX XXXX  IN NC FOR OVER 28 YEARS AND I'VE NEVER SEEN BANKS AND CREDIT BUREAUS ACT THE WAY THEY ACT. I WANT THIS ACCOUNT REMOVED ASAP PLEASE OR I'LL HAVE NOT CHOICE TO FILE PAPERS UNDER THE FAIR CREDIT ACT, BECAUSE I STILL HAVE NEVER RECEIVED ANYTHING CONCERNING THIS LOAN EXCEPT HEAR SAY FROM EXPERAIN AND XXXX XXXX. PLUS THE ACCOUNT WAS OPENED UNDER A FRAUD ADDRESS IN SOUTH CAROLINA AND EXPERIAN DID REMOVE THAT ADDRESS AS FRAUD BUT THAT WAS THE ONLY ACCOUNT ON MY EXPERIAN CREDIT FILE ATTACHED TO THAT FRAUD ADDRESS, SO WHY WOULD THEY REMOVE THE ACCOUNT. PLEASE REMOVE
Consumer complaint received 2022-04-07
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. (CA)

Regardless of the multiple written requests, the unverified public record listed below is still reporting on my credit report in violation of federal law. I'm telling you once again that I did not file for XXXX This is an attorney error. I had a consultation with a XXXX attorney but declined to move forward. The attorney filed without my authorization or expressed permission. I was told this was resolved and then found a XXXX on my credit report! I never filed. I never went through XXXX Please remove it immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-06
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

I have reviewed a copy of my credit report and I show company CAPITAL ONE account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Consumer complaint received 2021-05-06
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: Experian Information Solutions Inc. (MD)

I have reviewed a copy of my credit report and I show company XXXX XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Consumer complaint received 2021-05-06
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: EQUIFAX, INC. (MD)

I have reviewed a copy of my credit report and I show company XXXX XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Consumer complaint received 2021-05-06
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. (FL)

Its not fair that I became a victim of identity theft and I have fake inquiries and accounts that destroying my score. I can not proceed in my financial planning like at all. Look this is not fair situation and I want to get rid of these items. Please delete them from my credit report. I do not deserve to suffer like this.
Consumer complaint received 2021-05-06
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. (FL)

Its not fair that I became a victim of identity theft and I have fake inquiries and accounts that destroying my score. I can not proceed in my financial planning like at all. Look this is not fair situation and I want to get rid of these items. Please delete them from my credit report. I do not deserve to suffer like this.
Consumer complaint received 2024-03-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP (GA)

I have a credit card account and a consumer auto loan account with US Bank. On XX/XX/2024, I mailed a {$3100.00} check for the payoff on the credit card account. On that same day, I mailed a separate check for {$8600.00} to pay off the auto loan account. US Bank posted both checks to the credit card account, resulting in a credit card account with a balance of - {$8700.00} and an auto loan balance of {$8700.00}. I have called the bank on at least XXXX separate occasions and sent several emails to them pointing out their error and asking them to take the credit balance on the credit card account and post that to the XXXX  loan account, leaving both accounts with a XXXX balance. Now they have started making collection efforts for the auto loan which they say is now more than 15 days late. I do not want their error to negatively reflect on my credit report. No matter who I speak with, nobody seems to understand that they have made an error, much less how to correct it. This is a problem even a XXXX grader could correct.
Consumer complaint received 2022-04-07
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: Experian Information Solutions Inc. (SC)

I need these reports to go to all three credit bureaus. XXXX, Experian, and XXXX. The credit bureau stated my account was properly investigated but how is that possible if the open date is inaccurate. The date last active is inaccurate and date last reported is not accurate. This is grounds for removal also violated my rights under 1581.

15 USC 1581 Section 694 A It so states the right to privacy.

15 USC 1581 Section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (FL)

I opened a CC with XXXX XXXX XXXX via Comenity Bank for a 1 time use to get a discount on my purchase. I charged {$39.00}. I paid the bill in full and requested the acct be closed. 2 months later I receive a bill for {$30.00} late fee. I called was told my pymt of {$39.00} was 24 hrs late. It was XXXX time and I said maybe it was delayed via USPS. No waiving of fee. They are harrassing me calling 4x a day. Each month they add new fees. Nothing owed on this account is from my making a purchase it's all fees. This acct also says open. I requested it be closed. I have very good credit and this is abuse.
Consumer complaint received 2021-10-18
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: AMERICAN EXPRESS COMPANY (NJ)

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

2. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft JXXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX Date of inquiry:XXXX This is not mine.
Consumer complaint received 2019-08-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX XXXX is reporting negative information on my credit file. This account was sold to XXXX XXXX and they have ceased all collections activity and the collection account had been removed. XXXX XXXX continues to report the negative account. In addition I’ve received notification that the account had previously been removed from my credit file. As of today it is still reporting negatively. I am requesting for the account to be removed immediately. I have attached proof of the removal.