davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-22
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. (NC)

RE : XXXX Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX  - {$23000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$3100.00} XXXX XXXX XXXX XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX XXXX XXXX  - {$00.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2023-05-05
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. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: The Law Firm of Derek Williams, LLC d/b/a Infinite Law Group (FL)

It started with a pre appointment letter in the mail for debt consolidation. When my husband and I called to talk to an agent, we were told that we would not a able to get a debt consolidation loan, even though we were pre-approved, and that our other option was debt negotiation. 

We decided to give it a try and signed our contract on XX/XX/2023. On the XXXX of every month, an automatic payment of {$640.00} was withdrawn from my husbands account. 

We did not receive any kind of update on the progress of our negotiations from Infinite. In fact, at one point I spoke with one of the credit card companies that were now calling me several times a day, and was told they had not received any kind of letter informing them of future negotiations. 

After three months of nothing, we decided to cancel our contract with XXXX XXXX XXXX. I mailed a copy of the cancellation form on XX/XX/2023 and tracking confirmed delivery on XX/XX/2023. 

The week of XX/XX/2023 my husband called Infinite to confirm cancellation, since he had not received a cancellation confirmation email from them. He was told that they did not receive the cancellation form, but could cancel our account over the phone. 

The week of XX/XX/2023, we have still not received a cancellation confirmation email, so my husband called a second time. He was told that our cancellation was set up but not submitted, and they could once again do it over the phone. 

My husband called Infinite again today XX/XX/2023 just to confirm that the cancellation was completed and there were no problems. He was told that the cancellation was complete and that we would be receiving a {$200.00} dollar refund and the remainder of our funds were going towards fees. 

We have paid approximately {$1900.00} to XXXX XXXX XXXX over the last three months. They have not done any work towards negotiating our debts. I feel that it is unfair of them to withhold a majority of our money for services that were not rendered. 

I can not explain enough just how little they actually did. And to say that we will not be receiving a full refund, because we did not cancel within 30 days of signing our contract. When signing our contract we were not informed of this and were told that we could cancel at ANY time. 

Infinite Law Group is scamming people and taking their money! Before this started, I had a XXXX XXXX of XXXX and now it is at a XXXX! None of my accounts had any late payments and now they are ALL delinquent! I was instructed to not make payment and to not answer the calls, and they were doing nothing to resolve the situation! 

The fact that they have a clause in the contract that you cant file a class action suit of any kind against infinite law group is all you need to know about this business. They are scammers!
Consumer complaint received 2023-05-05
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. (FL)

PLEASE REMOVE THE FARUD ALERT ON MY CREDIT RPORT I DID NOT AUHTORIZE SOMEONE TO ADD A FRAUD ALERT ON MY CREDIT REPORT. PLEASE.
Consumer complaint received 2023-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (VA)

I was offered a special interest rate offer from Citi bank after the previous complaint in XX/XX/XXXX. The offer was a 3.9 % interest rate for all purchasing, ending on XX/XX/XXXX. I took advantage of this offer I was given from Citi. I have talked to their customer service representative to ensure this offer is on my account and future payment including the interest rate. Today, I saw my banking statement, and my interest rate is showing 19.99 % for purchasing transactions during this special offer ( before XX/XX/XXXX ). I agreed to get their offer, and there's no 'fine print ' of my interest will change to 19.99 % for the remaining account balance for the special rate purchases. 
In the past, I have XXXX  payment service on this credit card, the special interest rate was offered for this XXXX, and it has been kept the same rate. 

As my complaint last year and now, only this credit card account has the problems always, but other Citi credit card account and other bank accounts has never had any problems. 
Citi should not change its offer term without notification to consumers. Citi has failed to inform the interest rate will change back to the normal rate for the remaining account balance with the special interest rate.
Consumer complaint received 2023-05-05
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: EQUIFAX, INC. (MD)

In accordance with the Fair Credit Reporting Act the list of accounts below have violated my federally protected consumer rights to privacy under 15 USC 1681. Aconunt name # XXXX XXXX XXXX Account # XXXX, Account name # XXXX Account # XXXX name # XXXXXXXX XXXX XXXX Account # XXXX Account name # XXXX XXXX Account # XXXX name # XXXX XXXX Account # XXXX Account name XXXXXXXX XXXX XXXX XXXX XXXXAccount # XXXX Account name XXXX 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, also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c.2 ( a ) ( 5 ) Section states : no consumer reporting may make any consumer report containing any of the following items of information Any other adverse item of information other than 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-05
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PNC Bank N.A. (GA)

PNC bank has almost {$20000.00} of debt on my credit report as well as an additional debt amount of {$8000.00}. This is not accurate and both of these are negatively impacting my credit. I only owe them {$7600.00} not {$28000.00}! I have reached out and I told them this they know this information and I can see they ran a soft report on me just last month without my knowledge and even after that credit check that wasnt approved by me they still havent changed this information. They sold my car and made almost if not fully 100 % of their money back but not only incorrectly reporting this information but then adds on {$8000.00} as a separate account.
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Hello, My XXXX XXXX XXXX was ruined in XXXX XXXX. The declared my car a total. My loan was through truist bank. I continued to make automatic payments through XXXX XXXX  even though the car was totaled. I was waiting on the insurance company to give them a check. XXXX was paid by XXXX XXXX {$32000.00}. I was waiting on my gap insurance to give them a check for XXXX to cover the rest. I ended up over paying XXXX {$910.00} which they had to write a check out to me. They still reported my account as delinquent and my credit score went down XXXX points. This is absolutely ridiculous. I went to XXXX in person and the branch manager wrote a letter Saying that this was an error on their part and we sent it to all XXXX credit bureaus. I am waiting for my credit report to get rid of the delinquent remarks of non payment from XXXX XXXX til now. This is so infuriating my credit score went from a XXXX to a XXXX from something that was no fault of my own.
Consumer complaint received 2023-05-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: NAVY FEDERAL CREDIT UNION (AL)

Saw on report have already told them I don't have account with them. Guy at XXXX Social Security XXXX must be getting a cut off my social or I'd bc he saw me as soon as he said he's not giving me new social security number mine Har been stolen while sleeping sent to at least 13 ppl and everyone has copies of all my stuff I'm not safe bc of it I can't even get a car I need my backpay I'm suffering from my exbf sending my info for some jealous girl and maybe my uncle idk follow the money is all I can say help Navy Federal Credit Union it says I have an account and no telling where else and XXXX XXXX XXXX is charging me {$220.00} or {$220.00} for XXXX XXXX XXXX it's ruining my credit I had my water shut off and he stole water and they're charging me.
Consumer complaint received 2023-05-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Frontline Asset Strategies, LLC (NJ)

Frontline Asset Strategies is attempting to collect a debt from me by XXXX. In early XXXX, I returned a newly purchased phone ( phone purchased within one week ) to XXXX due to issues with the new phone plan. I contacted XXXX, who stated I was able to return the device. I was then sent a return label by XXXX XXXXo have the phone shipped through XXXX. I delivered the phone to XXXX, who then accepted the package and shipped it to the XXXX headquarters in Texas. After several months, I was contacted by a debt collection agency stating that XXXX never received the device, and I now owe them {$790.00}. I was never contacted by XXXX  stating the device was not received. I then contacted XXXX  and received an email confirmation from XXXX stating the device was dropped off & received at the XXXX Texas location XXXX I was then continued to be contacted by the initial debt collector XXXX XXXX regarding the debt, even though I provided them with written confirmation that XXXX had received the device. I finally disputed the debt through the credit companies, and it was determined that the debt was invalid due to fraudulent charges. I am now being contacted by another debt company, Frontline Asset Strategies, that is stating XXXX states debt is still valid. I am now being told that it was not only the device but additional charges on my account ( my account was cleared before I stopped service with XXXX XXXX I was not sent a billing breakdown of the {$790.00}, only a statement showing I owed that amount ( no information or itemization of what constitutes the debt amounts ). When I have tried to speak with Frontline asset management, I am told various reasons as to why the debt is valid, including I was with XXXX  since XXXX and I was not allowed to return devices, that it was from a past bill, that XXXX did receive the phone, but they can not find it in their warehouse so it is my responsibility, etc. I continue to be harassed by XXXX  regarding this debt, although I returned the device and have confirmation from the shipping company it was returned. XXXX and the debt companies refuse to give me a breakdown of why I owe this debt, and I continue to get random reasons as to why the debt is valid every time I speak with a representative.
Consumer complaint received 2023-05-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (OH)

I applied for a HELOC loan with this financial institution whom Ive had a checkings account with for a little over 20 years. My credit score, my debt to income ration, and anything elses needed to meet the requirements for the loan amount I applied for was met. As I reviewed all of the criteria PRIOR to me applying. When my application was received I was told 2 different things by 2 different loan officers. When I spoke to loan officer assigned to me, I was told my income could not be supported even with 3 years worth of W2s and being told I can only qualify for a XXXX loan when I make XXXX per month. Nothing seemed to add up or make sense. I was told I needed an in person appraisal because it had to be done with certain applicants. Being a person of XXXX, this lead me to believe I was being discriminated against. I notified the loan officer of my complaint and even submitted my complaint to financial institution and I received a generic reply back from the loan officer. There is too much data and factual information and research that proves majority of people of XXXX are denied loans, expected to jump through hoops, and are denied loans more than XXXX  Americans. I want the underwriters of this financial institution investigated.
Consumer complaint received 2019-06-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MD)

I reached out to Equifax early XX/XX/2019 to inform that after going online to dispute several issues with my credit report. I was directed to answering 4 questions to identify myself, none of the questions applied to me. The first two questions were regarding a loan, the following questions were the amount of the loans. I was locked out. I called for the two weeks, and finally got someone to look into the information. They were able to start an investigation on the items I needed to dispute. I've received the emails with the results of the dispute, however when I start the process of reviewing the results. I have to verify again, and the same issues arises. I can't be verified, through the email links. As of XX/XX/2019 I've sent several emails to the corporate contacts XXXX, XXXX, XXXX, XXXX. I was promised several times by XXXX XXXX, they would look into the matter to resolve it for me. I've sent more emails as a follow up and no one responds to my emails at all on this matter. My last follow up was to the President, XXXX XXXX on XX/XX/2019 and no response into addressing my concerns to get this matter corrected due to the inaccuracies on my credit report and several of the creditor verifying an account is mine. I'm in the process of purchasing a new home. I asked Equifax, what is the process of a creditor proving that a debt is mine? If they were required to show written or a signature of mine verifying a debt is mine and they stated, it's just a system that's used that says its my debt. I'm not clear, and I'm unsure if this is the correct way in which the process actually works. Any help and guidance you can provide in helping me to get this matter corrected would be greatly appreciated.
Consumer complaint received 2024-10-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX  XXXX XXXX Balance {$5900.00} XXXX XXXX XXXX Balance {$1100.00}
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

I have attempted to contact Equifax by phone, email, online and through certified mail to correct and have false information removed. I have opened investigation after investigation and its clear that they are not conducting proper investigations. My birthday is incorrect, they are reporting charge offs as late with open balances. They refuse to remove addresses and names that are incorrect. I provided them the correct information along with UCC codes and other scholarly reference based information. I have been named in their data breach and they are still messing me over
Consumer complaint received 2023-05-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FinCo Services Inc DBA Current (FL)

I made a money transfer from Current to XXXX on XX/XX/XXXX. Current sent the money and closed the transaction. XXXX is claiming the money arrived. They paused the transaction and then canceled it. The money transfer doesn't show on my account at all. ANd my money has not been refunded by either XXXX OR CURRENT. 

XXXX asked for proof of payment. Current has refused to provide the documentation.
Consumer complaint received 2024-08-20
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. (CA)

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (FL)

I signed up for XXXX service on multiple lines. 3 phones lines, a tablet data line, and a smartwatch line. 

XXXX never provided service on the tablet line or the smartwatch line. I never received SIM cards. Contacting support would lead to them saying they were sending them and they never did. I cancelled the lines. Later I found out they kept the accounts open and were charging them despite me not receiving service and it not being possible for me to receive service since they never sent me the hardware necessary for that to happen. 

XXXX put me in to collections with Diversified Adjustment Service. I kept asking both XXXX and the Collection Company for proof I received any service on the lines in question and they both never have. They can not send proof because I literally never received any product or service despite paying for them. Now they are harming my credit to try to get even more money from me.
Consumer complaint received 2023-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SD)

I filed a dispute on inquiry that I dont recognize and XXXX told me that the information must remain on report for two years. I have tried getting this info removed several times now.
Consumer complaint received 2023-05-05
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: General Motors Financial Company, Inc. (LA)

Request For Debt Validation Pursuant to 15 USC 1692g Be Advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act ( FCRA ) [ 15 USC 1692g ] stating your claim is disputed and validation is requested. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ). 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 calendar days to investigate this information, during which time all collection activity shall CEASE and DESIST. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.