davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-07
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WA)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 2022-12-07
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (IL)

I received a gift card in XXXX of XXXX. When I tried to use it in XXXX of XXXX I received a turn down from XXXX for insufficient funds. The card was issued by Incomm Financial Services under the name of Vanilla Gift card ( vanillagift.com ). 

I logged and saw the card was purchased by my gift giver at XXXX on XX/XX/XXXX, then used almost 5 months later at a XXXX ( for the EXACT amount, no more no less ) in XXXX XXXX, CA. I live in XXXX and the card has been in my possession since received. 

This was FRAUD. Unless committed by someone internal to the company, or a hacker  was able to breech their database, how else would anyone know the card #, expiration date and, most troubling, the CVV? 

I filed a complaint with the company 's fraud department, with several email follow ups, receiving no reply. I then filed a complaint with XXXX  who did receive a reply stating the matter had been settled and denied. Here was the reason they gave the XXXX  : " '' Contact us immediately if you believe your Card has been lost or stolen, or an unauthorized transaction has been made without your permission using the information from your Card. '' It goes on to state " We may not be able to assist you if you do not contact us within sixty ( 60 ) days of the unauthorized transaction. '' Due to the time frame for submitting a chargeback, recovery of funds are no longer available for the disputed transactions '' How is that even possible in a digital theft situation? It is NOT, it's just a convenient excuse and abdicating response by Incomm. I still have and have always had the card in my possession. As well I haven't been in CA in over 20 years, I live in XXXX. 

The XXXX  closed their case because they got a reply and have no enforcement authority. I let them know I will continue to contest this via you folks.
Consumer complaint received 2022-12-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

I believe the 3 credit bureaus are making it incredibly difficult ( on purpose ) to file disputes, and follow up on disputes online and on the phone. The XXXX portal is reporting an error when I try to file a dispute. I attempted this on 2 different browsers, 2 different computers, and on consecutive days. The XXXX site is not allowing me to download the PDF with the results to my dispute. XXXX is not allowing me to comment on my Dispute and add subsequent documents justifying my claim.
Consumer complaint received 2024-10-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (FL)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2022-12-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (NY)

I worked with XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX XXXX ), XXXX XXXX send M & T Bank a total of {$71000.00} to being my account up to date and for me to continue making payment. XXXX M & T Bank only credited my account {$70000.00} which makes its short {$770.00}. I already tried correcting this with M & T bank and all they tell me is that I have to call XXXX XXXX. XXXX XXXX sent me a receipt that they paid {$71000.00}, however M & T bank is refusing to properly credit my account. I have spent numerous hours in the phone with M & T Bank and they dont do anything, the representative seem to lack knowledge and all they tell me is they cant do anything. My case has been escalated numerous time, but nothing results of it Im so frustrated that I dont know what to do. I need your help. Im tired of dealing with M & T Bank, they are the worst.
Consumer complaint received 2022-12-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Thaxton Investment Corporation (AL)

XXXX  XXXX account # XXXX Unpaid balance reported as a loss by credit grantor Balance is {$0.00}. Income should not be on y credit report, They are reporting false and misleading information on my credit report. 15 usc 1681eb says my consumer file has to 100 percent accurate I have no knowledge of this account, if this was charged off it can not be still be reporting. you must remove or submit a 1099C because you can not collect on a charged of account that you submitted to the IRS please remove and suppress. please update credit report
Consumer complaint received 2022-12-07
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: CITIBANK, N.A. (IL)

I made a purchase of {$85.00} at iXXXX  on XXXXXXXX XXXX XXXXXXXX with my credit card issued by Best buy and operated by CitiBank, then I realized that the merchant is a fraud who disguises themself as a legitimate seller. After I made the purchase I never received any follow-up email that contains the order number or acknowledgment of purchase. I went online and read reviews about this seller then I realized that the seller isn't real and that it is a website operated out of XXXX. I even discovered other websites this seller uses disguised as a real seller. This transaction happened in XXXX and since then I have notified my credit provider about the issue. I also tried to reach the seller but to no avail, even as of now I am yet to receive my order or response from the seller. My credit provider has refused to take this seriously, they keep sending me letters to write in response to my claim which I have done XXXX now. They sent me XXXX responses stating that I am responsible for the payment. Their reason in the letter states that " You did not identify disputed transaction. '' After several phone calls and letters, I still have that balance in my account, and they are yet to explain to me how I am responsible and what the response of the seller was if indeed they contacted the seller for their own explanation of the transaction.
Consumer complaint received 2022-12-07
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MN)

report We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT XXXX REQUEST NOT A DUPLICATE* I love the fact that people are working for this company and DONT KNOW THE LAW They truly are not investigating nothing. THEY DO NOT SEND OUT UPDATED REPORTS. THEY DO NOT VERIFY INACCURACIES AT ALL. I WORK IN CREDIT REPAIR AND I KNOW THE LAW. I ALSO KNOW I CAN SUE THEM. FOR THE FOLLOWING : XXXX XXXX XXXX XXXX XXXX XXXXXXXX. They are reporting this account every month since XXXX as a XXXX trying to make it newer than what it actually is which is a misrepresentation of account status. WHICH IS AGAINST THE LAW. DELETE IMMEDIATELY XXXX. They have the same account listed twice on my credit report as XXXX and XXXX XXXX if you investigated like you said you do, you would know THIS IS THE SAME ACCOUNT!! Reporting as XXXX  on my credit report every month as a newer account when this account is listed as closed since XXXX. Another misrepresentation of account status. DELETE IMMEDIATELY XXXX. XXXX XXXXXXXX XXXX XXXX XXXX listed as XXXX XXXXXXXX claimed XXXX on XXXX credit report for 2 years now showing as XXXX all of XXXX. Misrepresentation of account status DELETE IMMEDIATELY. Trying to report the account newer than what it is. XXXX XXXX XXXXL account listed as XXXX and Repo date XXXX. Did not give me a chance to repurchase the property. Did not invite me too the auction. They failed to try to recoup any money. I AM CHALLENGING THIS. SEND ME WHERE THEY DID THIS! You can keep lying to CFPB and telling them you are sending me method of verification letters. I know you are not, and I have every dispute, every letter, every phone call conversation and so does my attorney.
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CCS Financial Services, Inc. (GA)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also States a consumer reporting agency Cant furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (MI)

On XX/XX/XXXX I found out from XXXX XXXXXXXX that my Identity had been stolen and benefits I was waiting on were claimed by an imposter. On XX/XX/XXXX I received a call from XXXX about the aforementioned account and was eventually granted access to it, discovering a multitude of forged documents and messages submitted in my name including a bank account in my name that I didn't open or authorize. I contacted XXXX XXXX XXXXXXXX XXXX who informed me that the deposit account was insured by them but held by Chime Financial , Inc and I would need to initiate the process through them. I contacted Chime and upon verifying my identity via 27 messages of proofs of identity including photos of myself holding hand written papers with the date and my SSN as well as a bio-metric facial scan, I was granted access to the account and discovered it was used to setup direct deposit of XXXX benefits in my name that I am rightfully entitled to due to 35 years of paying my taxes. Since I did not receive the funds I issued disputes on all 459 transactions totaling {$30000.00} and before I could end the phone call disputing them, I had already received an email of denying the claim. I then filed a rebuttal and provided my GPS location data as verification that I did not make these transactions and was again denied. Since a large amount of the transactions were ATM withdraws, there is obviously direct ATM photo/video evidence that these transactions were fraudulent and yet the protected FDIC insured funds that were deposited and intended for only me are being withheld. As if it's bad enough that Chime Financial , Inc parades around impersonating a Member FDIC Banking Institution, they have also blatantly posted on the front page of their website " Some online banking accounts require a copy of ID like a driver 's license. When you bank through Chime 's partners, you do not need to submit photo ID. ", essentially begging for criminals to use their fake bank for fraud, identity theft, money laundering, etc. through accounts they don't even have to verify. The deposit account that was made in my name also had a savings account and credit card/account attached to it made by the imposter.
Consumer complaint received 2022-12-03
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. (MD)

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items in my report right away : XXXX  XXXX XXXX ( Original Creditor : PATIENT FIRST ) XXXX Balance : {$1400.00} ; 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 XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Request to Remove Fraudulent Accounts Under Section XXXX of the FCRA To Whom It May Concern, I am writing to formally dispute fraudulent accounts appearing on my credit report, and I am requesting their immediate removal in accordance with Section XXXX of the Fair Credit Reporting Act ( FCRA ). 

I recently reviewed my credit report and identified the following accounts as fraudulent These accounts were opened or incurred without my authorization or knowledge. I have taken the following steps to address this issue : Completed an Identity Theft Report via the Federal Trade Commission XXXX XXXX XXXX of the FCRA, consumers who submit a valid Identity Theft Report and supporting documentation are entitled to have fraudulent information resulting from identity theft permanently blocked from their credit report. I have included the following documents to verify my identity and support this dispute : XXXX. A copy of my government-issued ID XXXX. A copy of the police report and/or Identity Theft Report. 

I kindly request that you : Remove or block the fraudulent accounts listed above from my credit report. 
Notify me in writing once the accounts have been removed or blocked. 

Please note that this request is time-sensitive, and I expect compliance within the statutory time frame outlined in the FCRA. If you require additional information, do not hesitate to contact me at the phone number or email address listed above. 

Thank you for your prompt attention to this matter. 

Attachments : Copy of Identity Theft Report Government-Issued ID Proof
Consumer complaint received 2022-12-06
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: Resurgent Capital Services L.P. (CA)

I want my information deleted with this company which I requested for them to it deleted my information with them and their service providers and third-party affiliates. 

Today a young lady by the name of XXXX at the company told me that her supervisor told her that all they can do for me was to put a cease and desist on my account because I said that it is my right that I dont want to be contacted by phone or any other method but she said that there was nothing else that they could do for me far as deleting my information but on their website it clearly states that you can request to have your information to be deleted And thats what I did on their website I requested for my information to be deleted and I screenshot the proof thank you.
Consumer complaint received 2022-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Denefits LLC (IL)

I signed up for credit repair with XXXX XXXX XXXX XXXX who was discovered to be a fraudulent credit repair service. XXXX XXXX XXXX charged me a total of {$800.00} of which a {$400.00} deposit was paid to XXXX XXXX via XXXX, and the remaining balance of {$400.00} was to be paid monthly to the company Denefits. Although I advised the company Denefits that XXXX XXXX XXXX XXXX and XXXX XXXX both were found to be fraudulent and a scam company they are refusing to end the contract, have placed this tradeline on my credit report and are continuing to report this item as delinquent on my credit file. They continue to harrass me every week trying to collect the remainder of the balance owed although they themselves are unable to reach XXXX XXXX or her company XXXX XXXX XXXX.
Consumer complaint received 2022-12-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (PA)

Truist bank my mortgage company who also holds my escrow funds. They have not paid my property taxes for the year. My taxes are late and I have penalties of over a XXXXXXXX XXXX because if theyre neglect. I went to bank in XXXX to talk to bank manager they told me to talk to settlement company which was incorrect. I talk to XXXX XXXX tax collector, he stated the tax bill was sent electronically to Truist bank and they are responsible for the late payments and property taxes being unpaid. I call Truist bank on XX/XX/XXXX and XX/XX/2022. They told me my they received tax bill and dont know why they were not paid. They said they will do a 15 day investigation. My taxes are unpaid and late fees are piling up.
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

EQUIFAX XXXX. ALL OF YOUR NEWST ADVERSE INFORMATION WILL FOEVER BEEN UNDER DISPUTE FOR INACCURATE NEGATIVE INFORMATION! XXXX XXXX XXXX XXXX WILL ACQUIRE NOTHING. IF TOU DID NOT TELL THEM ABOUT WHO I AM- THEY WILL GET NOTHING FROM ME. SOMETIME AGO, REINSERTED OLD OUTDATED ADDRESS PHOMEA NUMNERS AS WELL AS OTHER ADVERSE AND INCORRECT INFORMATION. EQUIFAX AQUIRED 3RS PARTY INFORMATION TO DIG UP AND THROW ONTO PEOPLE 'S CONSUMER REPORTS WITH CONSUMER CONSENT BEFOREHAND VIOLATING THE CONDITIONS UNDER WHICH LAY THE CONCRETE OF 15 U.S.C. 1681 BACKBONE OF THE FCRA. THWIR GOAL - MAKE PROFIT BY ANY TERMS. THIS WILL SET THE STAGE IN THAT EQUIFAX AND THE OTHER CRAS ARE INCAPABLE OF HOLDING AN KEEPING ANY PRIVATE PARTY SAFE AND PROTECTED BECAUSE EQUIFAX XXXX ITSELF IS A COLLECTOR AND SELLER OF PERSONAL INFORMATION TO THE HIGHEST BIDDER - FOR THE EIFHT PRICE. BE WARNED EQUIFAX - FOR DIGGING THROUGH MY REPORTS FOR FOR OWN GAIN. YOUR TIME IA PASSED. YOUR COMPANIES SHOULD AT ALL COST. SHOULD BE BROKEN UP AND AOLD TO THOSE THAT HONESTLY KNOW THE MEANING OF " PRIVATE ''
Consumer complaint received 2022-12-03
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. (GA)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX Balance : {$2200.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Maximus Federal Services, Inc. (SC)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-12-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Denefits LLC (IL)

I signed up for credit repair with XXXX XXXX XXXX XXXX who was discovered to be a fraudulent credit repair service. XXXX XXXX XXXX charged me a total of {$800.00} of which a {$400.00} deposit was paid to XXXX XXXX via XXXX, and the remaining balance of {$400.00} was to be paid monthly to the company Denefits. Although I advised the company Denefits that XXXX XXXX XXXX XXXX and XXXX XXXX both were found to be fraudulent and a scam company they are refusing to end the contract, have placed this tradeline on my credit report and are continuing to report this item as delinquent on my credit file. They continue to harrass me every week trying to collect the remainder of the balance owed although they themselves are unable to reach XXXX XXXX or her company XXXX XXXX XXXX.
Consumer complaint received 2022-12-03
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: Resurgent Capital Services L.P. (TX)

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer report plan as late for purpose.
Consumer complaint received 2022-12-07
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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