davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (NC)

On XXXX, I saw that app XXXX XXXX on Tuesday XXXX XXXX. I open the app to see what it was about and I was prompted to take a quiz. After answering the question, the option for time frame and cost appears, I choose the {$2.00} a week. It was not stated that any money was being taken immediately, most certainly not for the entire year. I had the subscription cancelled and After seeing 1st {$71.00} declined and then {$17.00} being stolen from my CashApp account. I was lend to believe nothing upfront and if so {$2.00}.
Consumer complaint received 2023-04-20
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I am writing to dispute the account XXXX XXXX XXXX XXXX. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I haven contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. I enclose copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature requested. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report, I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under then FCRA. I look forward to an uneventful resolution of this matter.
Consumer complaint received 2024-10-15
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone : XXXX Email : XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX, XXXX, TX XXXX Subject : Dispute of Unauthorized Credit Inquiries Request for Deletion To Whom It May Concern, I am writing to formally dispute several unauthorized inquiries that appear on my credit report. I did not authorize these inquiries, and I am requesting that they be removed immediately. 

The inquiries in question are : XXXX inquiries XXXX XXXX  VIA DEALER ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Auto ) XX/XX/XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX VIA DEALER XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize these companies to access my credit information, and as such, these inquiries are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). I request that you investigate these unauthorized inquiries and remove them from my credit report. 

Enclosed is a copy of my credit report with the unauthorized inquiries highlighted for your reference. Please notify me in writing once the inquiries have been removed or if you need further information to process my dispute. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-12-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: COLORADO HOUSING AND FINANCE AUTHORITY (CO)

XX/XX/2020 Colorado housing and finance ( servicer ) failed to pay hazard insurance which is in my contract. Escrow was set up and had funds for renewal but they repeatedly sent me threatening letters claiming I had to personally pay. I had insurance company fax XXXX  XX/XX/2020 to number chfa provided. XX/XX/XXXX I submitted on loansolutioncenter website a request for assistance, and called chfa and they confirmed that it was to be paid. XX/XX/2020 chfa bought lender insurance 3x the price and nother coverage for my family. Communication received was utter nonsense and blaming me or anyone but themselves. They violated several RESPA and TILA statues. Still have no resolution and they have not returned my escrow and have not followed my closing agreement and continue to deny responsibility. According to RESPA and TILA they are to be fined and compensation is due. I can prove letter sent as resolution was filled with false information and their timeliness is beyond legal limit. Please help. I saved all documents. 
I was also charged 2 late fees, during the period of forbearance coverage time. No updated information on any websites or emails.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

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 XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a 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 2022-07-23
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. (NV)

Several disputes with Experian reporting incorrect information regarding the XXXX XXXX account on consumer report. Experian continues to say that the investigation results in a " verified '' account ; XXXX XXXX has sent me documentation which otherwise disproves this. First, XXXX, XXXX and Experian continue to report " COLLECTION '' on a monthly basis in the payment history. Second, it states that the account is in collection but still lists XXXX XXXX XXXX as the original creditor, but attached on this complaint, you will see that XXXX XXXX XXXX is using a third party collector in which I am to make payments. Having this incorrect information is FACTUALLY INCORRECT. Third : XXXX XXXX XXXX has sent correspondence ( attached ) to state that they would no longer contact me regarding this debt as it has been charged off ; but still have been contacting me. They further list a company by the name of True to which I don't have any relationship as their third party collection agency, and who has not contacted me. Now, even though, through these disputes that I've done with Experian, XXXX XXXX XXXX is contacting me and further sending me secure messages for me to obtain through their web. So, I've contacted the company to propose a settlement amount letter dated XX/XX/2022, ( attached ) to be rid of them and this scam of " BUY NOW PAY LATER ''. In this letter, I've asked them to contact me through US Mail ; not by email or telephone calls. Today, XX/XX/2022, is when I get this email for the secured message ( attached ). I feel that they are violation of debt collection practices, and FCRA reporting practices and would like this investigated further. Lastly, Experian has my id verification ; so, I will not include it here for privacy.
Consumer complaint received 2020-12-06
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. (TX)

I went to my local police department to file a claim for a identity theft report but the officers were unable to assist because i didnt know who was responsible for stealing my identity. 

Listed accounts were removed but the credit bureaus put them back on my profile after 90 days. 


XXXX XXXX XXXX  XXXX  XXXX XXXX Both accounts were removed and after 90 days placed back on my credit profile. 
Under the FCRA they violated my rights.
Consumer complaint received 2020-12-07
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IN)

This isnt my first complaint/review. After several disputes and attempts to reach XXXX I got an email from them AFTER ( 4 years of avoiding and not returning my calls ) I started assessing law firms to take my case. I brought this concern up with two of the law firms, and now they wont reply. I can only presume that ethical laws were bootleg and my information and intent was shared with XXXX ... which invoked the email. 

XXXX XXXX XXXX, a corrupt company that XXXX XXXX with, has violated my personal rights via the following acts : the Fair Debt Collection Practices Act ; the Fair Credit Reporting Act ; the Civil Rights Act of 1866 ; The Fair Housing Act ; Americans with Disabilities Act ; and the The Equal Credit Opportunity Act.

I have, Under FRCA 611 ( a ) disputed the completeness and accuracy of the information being reported to all credit bureaus. Per the formal investigation process under FRCA 611 ( a ) ( 2 ), the following is suppose to take place by law, yet Experian has already responded with Carter Youngs inaccurate response. The process states that, all relevant information regarding the dispute is to be sent to the collection agency within five days of this request ; and, you are to provide me written notification of their investigation along with your re-investigation within 30 days of the date of this letter.

Please be advised that I will not accept the typical automated E-Oscar verification process as it is not a true re-investigation of the disputed item. Thus, should you receive verification from the collection agency based on the E-Oscar verification method, I further request you provide a full description of the procedure used to determine the accuracy and completeness of the disputed item under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). 

As you may guess ... NONE of these laws have been adhered to by XXXX, and I will need to take further action towards the bureaus that have not followed the law. 

This is an update on an ongoing process. Carter-Youngs email started that we should talk ... lets find a solution. The solution is to follow the law and due diligence of the process. I am not certain that XXXX knows that XXXX XXXX XXXX filed this inaccurate account, was paid with federal funds by the Department of Veteran Affairs and the Military Family Relief Fund ( MFRF ). Paid the lease out 19 days XXXX prorated ) in advance, which they did not return the fund or deny them. Only a month later, I got a erroneous bill, after I had already received my checkout list and deposit amount owed. 

I can only presume that XXXX  knows and is enabling, reinforcing, and complicit in breaking the law.
Consumer complaint received 2020-12-05
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. (MS)

On XX/XX/2020 I mailed a letter requesting investigation for some inaccurate accounts listed on my credit report. I waited the time limit as given by the fcra and still didn't receive a response so I mailed another letter on XX/XX/2020. I still haven't received a response yet.
Consumer complaint received 2022-09-18
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. (TX)

I have filed a police report for 6 months and they never receive the documents, of course not certified mail. Never got them on their own upload. XXXX won't even dispute them unless I mail them XXXX copies which I did but they never received them of course, nor did Equifax. It is an Applied Bank XXXX from XXXX of XXXX, I have called Applied bank XXXX times and they can not even find It in their system, but all XXXX bureaus verify it as accurate which is a lie because they can not even find it! I am so done with these Credit Bureaus holding my Credit down so they can make money for credit repair, sent Identity Theft Affidavit and that wasn't good enough, they took XXXX minutes XXXX verify me only to say no they won't help me unless I filed a FTC report, that was wrong, you are the CFPB. Their employees don't know what they are doing with missed info, really??? Please help me!!! 
XXXX has XXXX XXXX XXXX for {$2400.00}, the other XXXX have got that right. 
Someone keeps trying to buy a car with my XXXX Hard Inquiries XXXX XXXXXXXX Finance, XXXX times Experian response XXXX disputing Applied Bank : Our reinvestigation of the dispute ( XXXX ) and/or another request ( XXXX ) you recently submitted is now complete. If we were able to make changes to your credit report based on the information you provided, or if you requested the addition of a statement, we have done so. Otherwise, we have contacted the company reporting the information you disputed, supplied them all relevant information and any documents you gave us with your dispute, and instructed them to : review all information we provide them about your dispute ; verify the accuracy of the information ; provide us a response to your dispute ; and update their records and systems as necessary. 
There are only XXXX inquiries on Experian Finger XXXX on XX/XX/XXXX and XXXX Main Financial on XX/XX/XXXX so Please tell Equifax and XXXX to take all those XXXX other inquiries off of my XXXX report since they will not help me!!
Consumer complaint received 2022-01-07
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: LEXISNEXIS (MO)

Personal statements are ineffective and ignored multiple credit card and lending companies have ripped me off try to deny me try to deny me my legal rights and protections and then refused to get their grubby paws off of my credit files for inaccurate reporting for more than 7 years straight. Then these companies resale the information to other credit reporting agencies there are 23 listed on the ftcc website and not a single one is in compliance. Furthermore all bureaus are refusing to update my information without demanding information from me I will not be volunteering information these companies have too much of it already I'm repeatedly denied credit due to this extortion based on inaccurate data and the refusal to release information. I never locked my files they must be unlocked they must be accessible and he's bureaus continue to play games for more than 3 years straight. your Ombudsman refuses to do their job.
Consumer complaint received 2021-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

After multiple attempts of writing letters to the credit bureaus, they continue to report inaccurate information on my credit which hurts my ability to obtain credit. There are several accounts reporting activity date incorrect, accounts that do not belong to me are reporting, late payments are reporting on my student loan accounts. Accounts that were deleted have reappeared on my credit report.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have multiple fraudulent accounts opened in my name according to my credit report that I have absolutely no idea about. Below are the list of the fraudulent accounts in my name along with the dates opened and the outstanding balances on them. 
XXXX Accounts XXXX. Account Name : [ XXXX XXXX XXXX XXXX XXXX XXXX Account Number : [ XXXX ] - **Date Opened** : [ XX/XX/XXXX ] - **Outstanding Balance** : [ {$930.00} ] XXXX. Account Name : [ XXXX ] - Account Number : [ XXXX ] - Date Opened : [ XX/XX/XXXX ] - Outstanding Balance : [ {$0.00} ] XXXX. Account Name : XXXX XXXX Account Number : [ XXXX ] - Date Opened : [ XXXX XXXX ] - Outstanding Balance : [ {$0.00} ] XXXX. Account Name : XXXX XXXX Account Number : [ XXXX ] - Date Opened : [ XX/XX/XXXX ] - Outstanding Balance : [ {$0.00} ] XXXX. Account Name : XXXX - Account Number : [ XXXX ] - Date Opened : [ XX/XX/XXXX ] - Outstanding Balance : [ {$900.00} ] XXXX. Account Name : XXXX - Account Number : [ XXXX ] - Date Opened : [ XX/XX/XXXX ] - Outstanding Balance : [ {$850.00} ] I have written a dispute letter that will be sent to the bureau agencys also
Consumer complaint received 2020-12-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (TX)

On XX/XX/2020 I received a letter in the US postal mail from the collection agency American Coradius International LLC stating that I owe the creditor XXXX, XXXX {$1900.00}. This in not correct. I have no transactions on my XXXX account ever. I made several attempts to contact XXXX by phone and could not get through. I was redirected to sending an email to XXXX. 
I sent an email per the XXXX instructions on email fraud with an attached copy of the debt collectors bill to XXXX. I received an auto reply from XXXX in response to my email on XXXX.
Consumer complaint received 2023-10-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken ()

I experienced a situation very similar to the one described in the post below, where my funds were stolen from my Kraken account : https : XXXX XXXX XXXX XXXX XXXX XXXX I received no notifications about the unauthorized access, and I found it concerning that two-factor authentication ( 2FA ) wasn't required for fund transfers. Some comments in the linked thread suggest the possibility of an inside job, and I share that suspicion. It's incredibly challenging for someone to simultaneously acquire both my password and access to my mobile phone for generating 2FA codes every 30 seconds. Also phone was rechecked for any malware and similar, by specialist and was found none.This phone I use only for 2FA.

After a week of my account being locked, Kraken only provided me with the IP address from which the account was accessed and the date of access. Kraken typically records all login activities within their web interface, but strangely, this particular login was not documented. Kraken seems quick to act when it comes to emptying an account through cryptocurrency transfers, but when it comes to trying to retrieve funds, it's a different story. 

Local law enforcement has been unhelpful in this matter. I managed to trace my funds to a XXXX account and provided XXXX with transaction logs, which confirmed the transfer to their exchange. However, XXXX has been uncooperative, and local law enforcement hasn't taken any action, even though the account responsible for this theft generates over {$100000.00} daily.
Consumer complaint received 2020-12-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (OH)

Notice for Proof of Claim Account : CREDIT COLLECTION SVCS XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX Id XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.