davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-12
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)

XXXX XX/XX/2020 I sent a dispute letter to Experian to review accounts listed on my credit report that are inaccurate. I have yet to receive any correspondance from the credit bureaus regarding this matter. I have called Experian to rectify the situation and I am never able to get through.
Consumer complaint received 2018-08-02
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: Experian Information Solutions Inc. (VA)

I submitted a dispute with Experian twice to request removal of a collection in the amount of XXXX involving a collection company ( XXXX XXXX XXXX ) whose client is an online payday loan company not licensed in the Commonwealth of Virginia. I do not recall in the last five years taking out a loan with this payday loan company ( XXXX XXXX XXXX ) and XXXX XXXX never sent me a notice that would allow me the opportunity to dispute the collection.
Consumer complaint received 2020-05-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (PA)

On Friday, XX/XX/2020 {$460.00} was deducted from my checking account. The line on my statement said Cash App, parent company Square. 

I do not have CashApp. I notified my bank on Thursday, XX/XX/2020 that I saw a pending transaction for release on XX/XX/2020 that same day my bank fraud department stated that via this CashApp they tried to deduct after the {$460.00} was approved they tried for {$1400.00}, {$1000.00}, {$750.00} then {$500.00} each time getting lower. Since the charges were coming from California and were according to the Bank Fraud Representative `` XXXX XXXX type of things '' they declined the charges. 

CashApp and Square have no email address, no contact phone numbers. You have to have their App and card to receive support. I informed my bank who provisionally returned my stolen money until their investigation is over. 

Today, Saturday, XX/XX/2020 a CashApp card shows up. I tried getting on to their site, I put in my email address - no email address exists for them. I put in my cell phone number - no phone number exists for them.
Consumer complaint received 2020-10-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Happy Money, Inc. (AZ)

I had spoken with the company in XXXX and we had a verbal agreement in which I was told I would be eligible for covid relief for XXXX, XXXX, and XXXX with payments restarting in XXXX. I was also told multiple times I would be sent documents to sign but never received them over the course of the covid relief period. I followed up with the company on the progress of the documents being sent to me multiple times and was always assured they would be sent to me yet never received them. While all this was going, I was told to ignore and disregard their automated calls about making my payments and I was assured I would be fine because of the covid relief program. I reached out to the company earlier this month to find out when my payment due date would be and when payments would resume and to my surprise I was told my account is now in collections and theres nothing they can do for me! Unethical practices to the fullest! I am so extremely frustrated because I never wanted a negative account on my credit and I was absolutely lied to about what I was apparently eligible for. Please help!
Consumer complaint received 2021-08-27
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2020-10-28
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: EQUIFAX, INC. (TX)

I have notified all 3 credit bureaus that I am a victim of identity theft. XXXX  and XXXX have been very helpful and resourceful. Unfortunately Equifax has been and continues to be rude, unprofessional and no help in my time of need to resolve the issues with my credit report. I have called and kept getting transferred after transfers then the representative would drop the calls on purpose which causes me to go through the whole process all over again. The representatives are rude and unconcerned. I have sent in everything they asked for with all documents to prove Identity theft, police report information, FTC report, multiple copies of my ID, and Social security card. Just for them to say they can help fix my issues on the report of fraudulent inquiries. I have reached out to the companies they said to resolved with the credit bureaus which I XXXX  and XXXX have been excellent about resolving but Equifax have been flat out difficult, rude, unprofessional, and unwilling able to help during this process.
Consumer complaint received 2020-10-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Sequium Asset Solutions, LLC (GA)

The name of the company is Sequium Asset Solution. I called the company, paid for the past due bill of {$290.00}, and asked for a letter of deletion and the representative informed me that they would mail me one. I call back and ask 3 times for a letter that the bill was paid in full, and went ahead and paid for the bill in full but never received a letter. This company reported it as a collection owing {$0.00} but it stills impacts my score 35 % and I know that companies can discriminate according to zip codes. This is the only derogatory account on my credit report and for an account that is paid in full, so why wouldn't I think that this is a discriminatory act on behalf of XXXX and Sequuium. The account was opened in XX/XX/2020 and paid in XX/XX/2020, and there has not been an update and it is now XXXX XXXX.The name of the company is Sequium Asset Solution-XXXX XXXX XXXX XXXX XXXX, XXXX, Ga. XXXX and phone number is XXXX. The original creditor is XXXX. XXXX representative has informed me to contact Sequium. 

Please Help, XXXX XXXX
Consumer complaint received 2020-10-12
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. (WA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3700.00}, {$19000.00}, {$8700.00}, {$8000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$3700.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8700.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8000.00} -This is not my account.
Consumer complaint received 2018-04-12
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. (AZ)

I writing to request that any charge off and 60 day late for any of my closed 3 XXXX XXXX XXXX accounts be removed from all my credit reports. I know that XXXX XXXX XXXX and XXXX XXXX XXXX fall under the parent bank known as XXXX XXXX XXXX. I have called and disputed this several times. I dont get it why XXXX XXXX XXXX is continues to report false information. XXXX XXXX XXXX need to take responsibility and please remove the charge off and 60 day late from XXXX, XXXX, and Equifax. Like I have explained before I called the XXXX XXXX XXXX at the time of all 3 were approaching a 30 day late since these accounts were all secured under certificate of deposits under my dads name. We informed XXXX XXXX XXXX to close the XXXX XXXX XXXX accounts take payment in full from the CDs. There never should have been any 60 day late and never should have been any account in charge off. Its not my fault XXXX XXXX XXXX did not follow instructions that they agreed to do so on. If there was a remaining balance at the time then we were not properly advised. I was not aware there was a remaining balance till I spoke with XXXX XXXX XXXX in XX/XX/2017 which has since been paid in full. I agree with at worst there being 30 day late. The letter that XXXX XXXX XXXX is referencing regarding my knowledge was regarding two different checking accounts that I also had with XXXX XXXX XXXX   and has nothing to do with these 3 person loans and if wrong account number was references then that was typo. I will never do business with XXXX XXXX XXXX again or any of affiliates as they lie and mislead.
Consumer complaint received 2019-09-06
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: NAVY FEDERAL CREDIT UNION (TN)

I AM A VICTIM OF IDENITY THEFT. I SENT IN THE ID THEFT AFFIDAVIT AND POLICE REPORT AS I WAS INSTRUCTED WHEN I CONSULTED THE FTC. IT HAS BEEN OVER 2 MONTHS AND XXXX CONTINUES TO REPORT THESE FRAUDULENT ACCOUNTS IN VIOLATION TO THE FCRA LAWS. I WOULD LOVE FOR XXXX  TO COMPLY AND CEASE TO REPORT ACCOUNTS ON MY PROFILE THAT WERE OPEN BY THE THEFT AND NOT ME.
Consumer complaint received 2018-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I writing to request that any charge off and 60 day late for any of my closed 3 XXXX XXXX XXXX accounts be removed from all my credit reports. I know that XXXX XXXX XXXX and XXXX XXXX XXXX fall under the parent bank known as XXXX XXXX XXXX. I have called and disputed this several times. I dont get it why XXXX XXXX XXXX  is continues to report false information. XXXX XXXX XXXX need to take responsibility and please remove the charge off and 60 day late from XXXX, Transunion, and XXXX. Like I have explained before I called the XXXX XXXX XXXX at the time of all 3 were approaching a 30 day late since these accounts were all secured under certificate of deposits under my dads name. We informed XXXX XXXX XXXX to close the XXXX XXXX XXXX accounts take payment in full from the CDs. There never should have been any 60 day late and never should have been any account in charge off. Its not my fault XXXX XXXX XXXX did not follow instructions that they agreed to do so on. If there was a remaining balance at the time then we were not properly advised. I was not aware there was a remaining balance till I spoke with XXXX XXXX XXXX in XX/XX/2017 which has since been paid in full. I agree with at worst there being 30 day late. The letter that XXXX XXXX XXXX is referencing regarding my knowledge was regarding two  different checking accounts that I also had with XXXX XXXX XXXX   and has nothing to do with these 3 person loans and if wrong account number was references then that was typo. I will never do business with XXXX XXXX XXXX again or any of affiliates as they lie and mislead.
Consumer complaint received 2018-04-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have been a Bank of America customer for 18 years. This year, for the first time, without any notification, the bank started to charge me maintenance fee without notifying me. When I called Customer Support to understand why, they told me my account has changed status due to change of average balance. However, my understanding is that they are obliged to notify me if this is the case. They never did. During the call I asked about notification. The agent did want to answer my question, referred me to another phone number. I called that number and they confirmed my account was demoted and also confirmed they did not notify me. My understanding is this violates regulations. The lack of transparency, communication is lamentable. Also, customer support was not helpful, either refusing to investigate my notification request ( first case ) or shrugging it off ( second case ). I feel they did not only not notify me, but they also did not apologize or care.
Consumer complaint received 2024-08-30
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. (KY)

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX Number XXXX
Consumer complaint received 2018-04-12
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. (NY)

I wrote XXXX, XXXX and Equifax in XX/XX/XXXX and XX/XX/XXXX about an account that has been on my credit report from XX/XX/XXXX for an amount of {$1700.00}, this account has an account status as closed and it is now 21 years since this account has been there and I was not aware of this account until recently when I tried to get my credit report and it was pointed out to me.
Consumer complaint received 2020-11-18
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: WELLS FARGO & COMPANY (NV)

I know dates are from today XX/XX/XXXX back in XXXX i was given a lot of inquiries of my credit report that was not only false but because I asked to do soft pull rather then taking my points off my credit score and I need to dispute all my inquiries from all credit bureaus can someone please help me I was told to contact here t get some help
Consumer complaint received 2018-04-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: William C. Grossman Law, PLLC. (NY)

I bought a ring from XXXX XXXX XXXX, in XX/XX/XXXX. a gift for my grand daughters college graduation ... ... ... ... I have proof of receipts by the owner, XXXX , that I RETURNED THE RING, ..when I realized I had gone over my head ... 
Last XX/XX/XXXX, I got a letter from collection agency ... My financial counselor at my XXXX XXXX called XXXX, ( collection ) wrote letters, explained that the ring had been returned ... I thought this had been cleared up ... NOW, again, I get another letter a year later, with the same issue..Please, because of this problem, my good credit is in question, and I truly do NOT owe any money on this ring ... Whatever you can do to help me, will be greatly appreciated ... Thank you, sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: First Investors Servicing Corporation, Atlanta, GA Branch (IL)

As of XX/XX/2021, FIRST INVESTORS SERVICING CORPORATION is reporting a balance on auto loan of {$17000.00} but when I login to my online account it's show a payoff balance {$16000.00}. But this is not reflected in XXXX, XXXX  and XXXX  respectfully this improper reporting has caused my credit scores to a continuous downward spiral over over ( 7 ) months period. FIRST INVESTORS SERVICING CORPORATION also note in their reporting upwards and downwards trends in balance in my account these varations cause my score to flucation constantly. FIRST INVESTORS SERVICING CORPORATION also add or remove mark in their reporting to the credit bureaus again having effect on how points added or subtracted on each report. This practice by FIRST INVESTORS SERVICING CORPORATION show how this practice show how spread behavior on the part of their improper reporting trends. Over the last several months by score has dropped between 70-80 points due to FIRST INVESTORS SERVICING CORPORATION REPORTING TACTICS.When I spoke with the credit department about this matter I was informed this matter should be taken up with the ( 30 major creditors bureaus, again they knew nothing about the remarks on my credit report. This matter needs to investigated and FIRST INVESTORS SERVICING CORPORATION needs to be held accountable for this improper tactics.
Consumer complaint received 2018-04-12
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. (AZ)

I am a victim of identity theft. Heres the police report case number # : XXXX from XXXX County Sheriffs Office. The following accounts and hard inquiries are fraudulent and unauthorized : XXXX XXXX XXXX, XXXX XXXX XXXX Unsecured Loan, XXXX XXXX XXXX Credit Card, XXXX XXXX XXXX, XXXX   XXXX. The accounts are not mine and dont belong to me. The Collection account XXXX XXXX is fraudulent. I been receiving harassing and threatening phone calls of death threats, threats of arrest and being put in prison, profane language from XXXX Representatives for a debt thats fraudulent and dont belong to me. XXXX XXXX XXXX is in violation of The Fair Debt Collection Practices Act ( FDCPA ). Equifax, XXXX and XXXX XXXX previously deleted the XXXX XXXX XXXX account from my credit report as fraudulent a few months ago.
Consumer complaint received 2018-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Weltman, Weinberg & Reis Co., L.P.A. (MA)

Weltman has repeatedly contacted me regarding this loan account and subsequently reported me as in collections to all of the major credit bureaus. I do not have any responsibility for the debt that Weltman/XXXX is trying to collect and I dispute its validity. Weltman/XXXX XXXX ( loan originator ) provided a promissory note that dictates that default occurs once the " Borrower does not make any payment before or on the date it is due - according to their documentation the loan in question defaulted in late 2010. As the promissory cites Pennsylvania as its governing law, which has a 4-year statute of limitation on debt, this loan is unenforceable and Weltman has engaged in unfair collection practices.