davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-08
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: Experian Information Solutions Inc. (CA)

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act sec 604 as well as a violation of my rights to privacy. Please contact the listed inquiries and investigate such occurrence or remove immediately for non-compliance. Under the laws of the FCRA, the Credit Bureaus are required by the FCRA to follow up with the creditor.The following inquiries were not authorized for any permissible business purpose : 1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XXXXXX/XX/XXXX 5. XXXX XX/XX/XXXX
Consumer complaint received 2022-08-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX Account # XXXX has violated my rights. 

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
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (UT)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Name : XXXX XXXX Wrong Addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Employers : XXXX
Consumer complaint received 2022-08-08
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Can you please provide all records so I can review them for my records? Im building a case against you & currently I have numerous violations of the FCRA. If you continue to ignore my requests & continue to report this inaccurate account I will be seeking a legal remedy XXXX XXXX XXXX. XXXX Late Date XX/XX/18
Consumer complaint received 2022-01-10
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. (TX)

I have sent letters to all 3 credit bureaus ( Experian, XXXX, XXXX ) for the past 6 months about inaccuracies on my credit report. All 3 credit bureaus report that they have investigated or reinvestigated the accounts but they still report different things all 3 credit reports. I am now wondering if the credit bureaus are really investigating or are they just sending my letters through a computer and giving me the same response back. I have found numerous inaccuracies and have reported them over & over again but nothing has yet to be done. I know by law that all 3 credit bureaus are to report accurate information on my credit reports but yet they have all failed to do this and it is affecting my credit score. I don't want to keep getting the same response or sometimes or no response with the same inaccuracies. Are you really doing an investigation? I have asked for proof of the debt each of you stated you " verified '' but have yet to receive ANY PROOF. I have seen numerous complaints of lack of investigation & violations that the credit bureaus are not following.
Consumer complaint received 2022-08-08
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

Upon reviewing my reports, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXX Balance : {$8900.00}
Consumer complaint received 2021-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (PA)

XXXX XXXX card was charged for {$2200.00} which i did not authorize. 
Filed a dispute with Comenity capital bank. 
Explained the situation and the charge is still on the card. 
Refiled comllaint and made min. Payment to keep my credit clean.
Consumer complaint received 2021-10-27
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: Santander Consumer USA Holdings Inc. (NC)

Reached out to CEO of company via email and wrote a letter on XX/XX/2021. No response received from anyone on behalf of the company. This is my second time reaching out to them about the same issue.
Consumer complaint received 2022-08-08
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: Experian Information Solutions Inc. (NY)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

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 2021-12-14
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: Experian Information Solutions Inc. (GA)

I am submitting documentation ( Paper Trail ) I have submitted many documents and have given each respected company more than enough time to respond accordingly, There needs to be upheld justice, companies must follow the Law The FDCPA is clear on its laws and each company that is listed below have violated my reputation and I demand answers accordingly to each violation represented.
Consumer complaint received 2021-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (TX)

In the beginning of XXXX, I applied the Amex XXXX XXXX with a welcome offer containing XXXX Membership Rewards points after spending $ XXXX, and XXXX times points rewards on restaurant purchases. I got approved. 

But in the following months, there's no extra points rewards on restaurant purchases. I talked to an online XXXX, who told me my welcome offer was declined and suggested me to call a XXXX  for more details. Then I was told the welcome offer is there, no need to worry cause his level is higher than online XXXX '. After XXXX months, I've already spent over $ XXXX on this card. Still no welcome offer. I called a rXXXX and was told that the welcome offer was declined. But there was no notification at all.
Consumer complaint received 2021-11-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (CA)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX Credit Bureau is reporting inaccurate information on CREDIT COLLECTION SVCS. Please change the status to Paid or simply " Remove '' the account. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. Here are the lists of the erroneous accounts reporting on my Credit Report : CREDIT COLLECTION SVCS XXXX Opened : XX/XX/2020 Balance Owed : {$200.00} ; CREDIT COLLECTION SVCS XXXX Opened : XX/XX/2020 Balance Owed : {$900.00} ; CREDIT COLLECTION SVCS XXXX Opened : XX/XX/2020 Balance Owed : {$220.00}
Consumer complaint received 2023-09-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Block, Inc. (IN)

CASHAPP LEGAL TEAM AND DISPUTES TEAMS [ XXXX XXXX XXXX ] [ Business Owner Of XXXX XXXX XXXX ] XXXX XXXX XXXX [ XXXX West XXXX Pl ] [ XXXX, Indiana, XXXX ] Re : Settlement Offer Dispute Resolution for Unauthorized Transaction and Revoked Access I am writing this letter to seek an amicable resolution to the ongoing dispute between myself and Cash App regarding unauthorized transactions and the revocation of access to my Cash Card account. I believe that it is in both of our interests to resolve this matter without further litigation and associated costs. 

The basis of my claim is as follows : XXXX. Unauthorized Transaction : On XX/XX/2022 I discovered that an unauthorized transaction in the amount of {$630.00} was made from my XXXX XXXX account. I promptly reported this incident to Cash App customer support. However, Cash App has yet to provide a satisfactory resolution, including a refund of the unauthorized transaction. 

XXXX. Revoked Access to Cash Card : Subsequently, I experienced the revocation of access to my Cash Card account without any prior notification or explanation. This action has caused significant inconvenience and financial hardship. 

I am willing to forgo pursuing legal action against Cash App in exchange for a fair and prompt settlement. To resolve this matter, I propose the following terms : XXXX. Payment : Cash App agrees to pay a settlement amount of {>= $1,000,000} USD to me within [ reasonable timeframe, e.g., 30 days ] of the execution of this settlement agreement. This payment will cover the unauthorized transaction amount, associated fees, and the inconvenience caused. 

XXXX. Reinstatement of Account Access : Cash App agrees to promptly reinstate my access to my Cash Card account upon the execution of this settlement agreement, allowing me to use the account as I did before the dispute arose. 

XXXX. Release of Claims : In exchange for the settlement payment and the reinstatement of my account access, I agree to release Cash App from any and all claims, demands, actions, or causes of action arising out of or related to the unauthorized transaction and account revocation, including any claims for damages, costs, or attorneys ' fees. 

Please consider this offer as a sincere attempt to resolve this matter and avoid further legal proceedings. 

If I do not receive a signed copy of this letter indicating your acceptance within the specified timeframe, I will have no choice but to pursue legal remedies to recover the funds and seek redress for the inconvenience and damages caused. 

Thank you for your prompt attention to this matter. I look forward to a swift and fair resolution. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-10-27
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: Mercedes Benz Financial Services (CA)

I wrote a few letters to the creditor and the bureaus regarding some lates reported on my accounts and they have not responded or fixed the error. I don't feel like this was my fault, I submitted proof that they funds were available when the payments were due but they were trying to take the funds from an account that was no longer active. All I want is that they fix the error and remove the lates reported on my credit report.
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The XXXX  Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Name : XXXX, XXXX, XXXX Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX
Consumer complaint received 2022-03-09
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: PENTAGON FEDERAL CREDIT UNION (TX)

I am in receipt of your communication dated XX/XX/XXXX. 
Your letter states that my account was 30 days late for the months of XXXX, XXXX, and XXXX. 
Please be advised that on my XXXX credit report PenFed reported a 30 day late for XX/XX/XXXX as well. 
Please be advised that on my XXXX report, PenFed reported a 30 day late for XX/XX/XXXX as well. 
Please be advised that on my XXXX report, PenFed reported 30 day lates for XX/XX/XXXX and XX/XX/XXXX as well. 
This does not line up with your recent correspondence. Your letter to me is attached to this complaint. 
Thank you, XXXX XXXX XXXX
Consumer complaint received 2022-03-09
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: RMS-Recovery Management Services, Inc. (MO)

I have been contacted by Recovery Management Services on the dates of XXXX, and XXXX. I made it known during the first phone call on XXXX that they are not to call me, and that I can not take calls as I work from XXXX to XXXX, however, the same individual proceeded to contact me again on XXXX. Once again, I informed the individual, from Recovery Management Services, that I had told them before not to call me, and that I did not appreciate them harassing me, which resulted in the individual proceeding to threaten that things would only get worse if I didn't pay, and that they were going to have to proceed to the next step of debt collection, further harassing me despite me telling them at the beginning of the phone call not to contact me and that I was working. I proceeded to get harassed by this individual for the duration of the phone call about how bad things would happen if I didn't pay, and that I would have to pay eventually. The individual calling from Recovery Management Services also has not provided me the exact amount I owe, although stating via phone call that I owe excess of {$8000.00}, despite the amount owed to the original creditor being around {$7200.00}.
Consumer complaint received 2022-08-08
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: Experian Information Solutions Inc. (AK)

In accordance with the Fair Credit Reporting act DEPT OF EDUCATIONXXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, and XXXX XXXX XXXX Account # XXXX has violated my rights. 

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
Consumer complaint received 2021-12-14
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. (MD)

Someone stole my identity and they opened up several accounts using my information and I furnished none of these. Please remove them off my credit report. The items are as below : - XXXX XXXX - XXXX - XXXX XXXX XXXX  XXXX US Dept of Education ( {$1800.00} ) - US Dept of Education ( {$2200.00} ) - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$1200.00} ) - XXXX XXXX XXXX ( {$1200.00} ) - XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Reliable Credit Association, Inc. (KS)

Reliable credit ( amount : XXXX original approx amount XXXX ) reported a loan as an auto loan when it is not. They are reporting a repossession when there is no vehicle bought with this loan. The loan was for tires purchase for a financed vehicle through them. That means they are reporting two repossessions for the same exact vehicle.
Consumer complaint received 2022-03-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Stellantis Financial Services US Corp. (GA)

I had a vehicle financed through First Investors. I was in a car accident in XX/XX/2021 in which the vehicle was totaled out. In XX/XX/2021, I was told by First Investors that the gap insurance claim was denied and that I would still have to cover the remaining balance ( approximately {$1400.00} ) on the account. They also informed me that since the gap claim was denied, they would apply a refund check in the amount of about {$370.00} and that it would take 6-8weeks for them to receive said check. I later found out from the company that provides the gap insurance that First Investor NEVER filed a gap claim as they had stated to me. Because of their dishonesty and giving me misleading information, Ive now missed the opportunity to possibly have the remaining balance paid off by the gap insurance, which I was entitled to if the claim had of been filed and approved.
Consumer complaint received 2022-05-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (SC)

Around XXXX XX/XX/2021, I called XXXX XXXX XXXX  to change my phone number, because i got a new phone. A customer service person, instead of changing my number to my new number, this person gave me a different number in which I didn't want. I kept repeating myself to him that all I wanted to do was to change my contact number. We got disconnected, so I called them back and talked to another customer service agent, I explained to her what happened. So she helped me out and cancelled that number and put it my new number, so that way I can use my XXXX XXXX XXXX app to pay my cable bill. when I looked at my XXXX XXXX XXXX XXXX I discovered that someone had used my account to order a XXXX XXXX phone and that new number that the other agent gave me in which I didn't want was still there. I called XXXX & XXXX back and they once again removed that number and sent me to the fraud department. I canceled both cell phone and cable with XXXX XXXX XXXX, but I paid off my cable bill. I have never missed a payment and I refuse to pay for the wireless service for a number that I never had. Can you please help me in this situation. Its unfair for me when out of almost 20 years in the military and being in debt because of my XXXX, I had finally build my credit into the XXXX. Because of XXXX XXXX XXXX now my credit went down a lot. Please help me. Thank you. XXXX & XXXX Incident number XXXX
Consumer complaint received 2021-12-14
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: EQUIFAX, INC. (MD)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021.
Consumer complaint received 2021-12-14
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc. (PA)

On XX/XX/14 ( one day before my closing ) I finally got closing disclosure from Better Mortgage. I was asked for put 12 months ' of property tax and school tax in my escrow account ( ~ {$5000.00} ). When I challenged them and the cushion should be XXXX months I was told it's industry practice.