davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-29
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: Flexible Finance, Inc. (TX)

I was introduced to Flex Inc by my leasing office as a third party service that assists in paying your rent on time. I had used them without issue and they did not fail until recently.

I was alerted by Flex that I would need to self-submit payment on XXXX XXXX using their account information and had to do so again on the XXXX. I did as instructed and figured everything was good when my leasing office confirmed submission. 

However, I was surprised to receive a call from my leasing office two days ago to tell me that the ACH from Flex returned ( in other words the check bounced ). To summarize I contacted Flex at the request of my leasing office to ask that they correct this issue. I received automated responses but no live help. A representative named XXXX from flex said that they would try to resend the payment or refund my rent payment so I can pay it myself. I checked each day to find that NOTHING had been completed. NO REFUND AND NO SERVICE RENDERED. 

I have tried calling Flex through their number listed on the XXXX XXXX XXXX  website and even then was only able to submit a voicemail. This company seems to reach out by email once a day with the same response of : I can understand the frustration and anxiety this kind of situation may cause and we appreciate your patience. Yet there is no urgency to correct the issue resulting in late payments on your account. Even on their social media page they can not be reached and they will ignore you until they want to respond. I have even been blocked from responding on XXXX. At this time, I have demanded a full refund of my last payment and service fee. I will not be taking the chance of using this service again once I have been refunded. I have reviewed their app on the XXXX XXXX  warning others that if they intend to use this service please be aware that there is a possibility that they will leave you waiting for long periods without responses unless collecting a payment from you. It is imperative that to protect yourself from possibly having to borrow money and/or bargain for leniency on your rent. 

On XX/XX/23 I was contacted by XXXX after XXXX to inform me that Flex does not show that the ACH was returned. And they are asking ME to get proof from my complex instead of them getting this information. No one seems to know where my payment is but yet Flex was paid.
Consumer complaint received 2022-09-29
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-09-29
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. (MD)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-12-01
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (WA)

On XX/XX/2022 my son 's wallet was stolen from his work. In it was my Home Depot ( Citi ) credit card, his debit card, his driver 's license, and his credit card. His credit card and debit card were used in XXXX WA for purchases of {$550.00}, {$100.00}, and {$41.00}, for a total of {$690.00}. All of these charges were dismissed and credited back to my son 's cards. My Home Depot credit card was used at the self-service checkout at the XXXX XXXX XXXX XXXX XXXX XX/XX/2022 for purchases of {$500.00}, {$150.00}, {$300.00}, {$270.00}, and {$320.00}. On XX/XX/2022, my Home Depot credit card was used at the self-service checkout at the XXXXXXXX XXXX XXXXXXXX XXXX for purchases of {$170.00}, {$170.00}, {$210.00}. The charges total {$2100.00}. I rarely use this card, and my son has had it with him -- with my permission -- for several years, using it only for home repairs, as he was renting my house. He has never used it outside our intended agreement. As soon as I noticed that my card had been used for fraudulent purposes, I contacted Home Depot to report the fraudulent charges, and they removed the charges from my account, cancelled that card, and sent me a new one with a new account number. A couple months later, the charges reappeared on my bill, noting that their fraud department determined that I am responsible for the charges, because I gave my card to an " unauthorized '' user. I reopened the claims, sent them more information supporting my claim of fraud, and they sent me more letters telling me their fraud investigation concluded that I was responsible. On approximately XX/XX/2022, I contacted the XXXX ( WA ) Police Department and filed a police report. An officer followed up with me and I provided him information regarding the fraudulent charges. I then contacted the Home Depot fraud department and let them know that I had filed a police report, giving them the case number and officer 's name. I informed them that I would not be paying any more on toward these fraudlent charges and said I'd be filing a report with the credit bureaus, which I am doing now. My son 's cards and my card were used to commit a felony. Furthermore, it is VERY CLEAR, from one quick look at my credit score and historical use of the Home Depot credit card, that I take my credit use seriously and monitor the use of my cards diligently. I should not be liable for these charges.
Consumer complaint received 2022-12-16
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. (AZ)

In accordance with the Fair Credit Reporting Act ( FCRA ) these creditors have violated my rights for these accounts : XXXX XXXX XXXX XX/XX/2022 Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons. 

I have attached my driver 's license and utility bill showing proof of address.
Consumer complaint received 2022-12-16
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. (OH)

I have been trying to dispute an address that I believe to be a part of litigation in identity theft from a breach in 2017. And according to this they are not taking the proper step under the XXXX to investigate, accurate information as well to withholding proof on how the information was obtained, re-adding previously deleted information, unwilling to verify an address, place on account through identity theft or fraud
Consumer complaint received 2024-10-28
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. (OH)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Delete account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Also please remove the following INQUIRY : XXXX XXXX XXXX, XX/XX/XXXX, from my credit report because of multiple violations of the fair credit reporting act., violated my rights. I looked at my Experian credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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 2022-11-02
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-08-23
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Colony Brands, Inc. (AL)

Magazines from Montgomery Ward/ Swiss Colony/ XXXX XXXX ( all the same company, but with different names ) was being sent to an old address I haven't lived at since 2008 with my name on the magazine. Someone committed fraud and was able to order items from the magazines using my name pretending to be me! This could have been prevented by verifying up to date information and not randomly sending out magazines with my name on it, giving random ppl opportunity to commit fraud by just ordering stuff. 
The unpaid balance has been reported on my credit report. The situation resulted in my credit score going down because of this.
Consumer complaint received 2022-12-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC (AL)

I transferred money from my credit union using Zelle software which is integrated on the credit union app. After transferring the money and try to receive my money, Zelle said that Im unable to create an account because I changed my number a month ago. Basically they will not cancel any transaction or not refund any money after 15 days. I cant wait 15 days because that money is part of my monthly rent.
Consumer complaint received 2022-12-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

NOTICE OF INTENT TO SUE and OPPORTUNITY TO CURE : I am in receipt of dispute investigation results from Transunion LLC stemming from my initial CFPB complaint filed on XX/XX/XXXX. The CFPB complaint # is : XXXX. I received these results in the mail today, Friday, XX/XX/XXXX and the date issued on the result is : XX/XX/XXXX with corresponding file number : XXXX. I am no way satisfied with the results and am demanding Transunion to provide a detailed method of verification outlining how they came to their investigation results. Transunion is willfully and intentionally violating Federal law by continuing to report invalidated and unverified disputed information. I am demanding Transunion provide me with their written method of verification for : 1. On page 4 of 7 in their results it shows that a change was made to an item in my initial dispute. The change is listed as updated to : NOT SPECIFIED. It is also showing that this item is to remain until approximately XX/XX/XXXX. I need Transunion to provide written details concerning the verification and validation of : XXXX XXXX XXXX XXXX XXXX # : XXXX. With whom did you speak? What is their name and title? What written documentation did they provide to you in order to update my dispute results as : Not specified? If you can not provide such within 10 days you will be sued for XXXX of XXXX. 


2. On page 5 of 7 in their investigation results it reads : VERIFIED AS ACCURATE AND UPDATED. I am demanding Transunion also provide me with their method of verification for XXXX XXXXXXXX # XXXX. With whom did you speak? What is their name and title? What documentation did they provide you with in order to reach these results? 

I am demanding Transunion LLC to provide this information to me in detail and include the dates, names, documentation and personal identifying information they provided you with about me to in fact identify me as the individual you are reporting this information on. I am allowing you 10 days to cure or your company will be sued for defamation of character. 

I have attached documentation to correspond with the aforementioned.
Consumer complaint received 2024-09-03
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. (NJ)

After receiving my results from Experian 's previous investigation, I noticed that they're still reporting unauthorized, inaccurate and unverifiable information to my consumer report. I asked both Experian and the creditors listed in my dispute letter to send me all signed contracts, agreements, receipts and the date of first delinquency in which they failed to provide. Pursuant 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ), I asked Experian to investigate the accounts and information listed but they don't have any documents that " verify '' this information but yet they continue to report it. If this account is verifiable why haven't I received the documents asked in my dispute letter? How can there be an alleged debt without any proper agreement or contracts? Included in my complaint is a copy of my previous dispute letter and the dispute letter that I'm currently sending out. iolations committed by Experian and the creditor reporting this account : 15 U.S. Code 1692g - Validation of debts, 15 U.S. Code 1692c - Communication in connection with debt collection, 15 U.S. Code 1692e - False or misleading representations.
Consumer complaint received 2022-12-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount GR Holdings, LLC (OH)

I have had a $ XXXX loan with goodleap and they were partners with XXXX XXXX XXXX since XXXX XXXX XXXX XXXX XXXX went bankrupt in XXXX XXXX XXXX have been trying to get my solar power system working for over a year and now since XXXX XXXX XXXX went bankrupt I can't get it fixed. However goodleap is still wanting the loan payment even though the system is not working. XXXX XXXX XXXX XXXX never had me fill out paperwork for the loan but they secured the money for me. I have tried to contact goodleap and they will not return my calls. I now have 35 panel system that is not working and is just sitting on my roof with nobody able or nobody that even wants to work on them because of the craftsmanship of the installation from XXXX XXXX XXXX XXXX I am not only paying for the loan but also still paying for my full electric bill that was supposed to be next to nothing because of how much I would be producing in solar power. I am not the only one that this has happened to. There are people from 9 or 10 states that all are dealing with the same issue. I just want out of this loan and the system taken off the house and my roof fixed and for everyone dealing with the XXXX that we thought we were doing to help us and the environment by going solar.
Consumer complaint received 2022-12-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (TX)

Since 2020 XXXX XXXX has been reporting a collection of XXXX $ on my file. I've disputed this several times we both bureaus, I've never done business with this company not sure how they recieved my information. this company is hindering me from extending credit.They are sending me mail to collect a debt that I do not owe. this has stopped me from renting housing, loan approvals, vehicles etc.
Consumer complaint received 2022-12-17
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (NJ)

On, XX/XX/2022, an advertisement was sent via email from Rocket Mortgage stating I was pre-approved for a mortgage. After clicking on the email ; my personal information was required to see what I qualified for. Moments later I receive an adverse action rejecting me of such credit due to hearsay from third party. Rocket Mortgage advertisement is misleading and deceptive. I received no benefit in the transaction that stole my personal information for personal gain. Rocket Mortgage is to be held liable for invading my personal choice and consent. Rocket Mortgage has violated my consumer rights pursuant 15 USC 1692 as well as third parties where they retrieved false information regarding my personal character. I am now left with an inquiry and higher rates than before to qualify to buy my family a home.