davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

It would be ideal if you be exhorted that I have gotten your PC produced letter expressing that you have stopped examination of my credit reports in light of the fact that, as you would see it, you accept that I host utilized a third get-together credit fix office. In addition to the fact that I believe this to be a slow down strategy on your part to concede you an extra 30 days to consent to my unique solicitation, however, I trust it to be an unmitigated infringement of the FCRA. 

You were exhorted by me on XXXX and XXXX by guaranteed mail ( duplicate encased ) that I scrutinized the precision of a couple of things on my credit reports. That solicitation was composed by me and sent by me-not an outsider office. It seems clear to me that you are mishandling your capacity under the FCRA to get away from a total examination. 
Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 
Your response to this complaint should contain an original application baring my signature! Anything less then this is a violation of the FCRA
Consumer complaint received 2020-12-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (NJ)

On XX/XX/XXXX an unknown user sent an amount of {$70.00} to my cash app account. 
I did not know this user and therefore sent the {$70.00} back, promptly, on the same day, as requested by the user who explained they accidentally sent it to me. 
I thought nothing more of it until XX/XX/XXXX when cashapp notified me they would be taking {$70.00} from my account to pay to the same user because there was a dispute opened with the users bank. 
There was never any inquiry into the matter. I was never given notice or a chance to explain the situation. I was simply notified on XX/XX/XXXX and the money was taken right then. 
I have since tried to get the funds back with no reasonable resolution being offered by cash app ( Square inc ). I believe their actions are in violation of the ETFA and they have yet to offer any reasonable resolution to this matter. I simply want my money back in my account. I never authorized this transaction to be made. My explanation can also be ( and has been ) verified/validated/confirmed by cash app by simply looking through the transaction history on my account which shows the accuracy of my explanation! I would like the {$70.00} returned to me promptly! 
I would also like square inc to review its policies that would allow such a situation to occur in the first place. Their policies appear to allow financial scams to be perpetrated on their users and also makes them complicit in these scams!
Consumer complaint received 2020-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (WA)

In XXXX we had an apartment at XXXX XXXX in XXXX, WA with a roommate. That roommate quit his job and became unable to pay his portion of the bills. We were evicted. 

On XXXX XXXX, XXXX, XXXX XXXX XXXX ( aka Genesis Credit ), XXXX XXXX filed for and received a judgment in the amount of {$2500.00}. 

On XX/XX/XXXX, A Writ of Garnishment was then issued in favor of XXXX XXXX XXXX, XXXX XXXX, and assigned to Columbia Debt Recovery, LLC.

That Garnishment was served on one of our employers. That Garnishment was paid in full through the Continuing Lien on Earnings. 

Genesis Credit has continually and fraudulently reported on our credit reports that we still owe over {$8000.00}. We disputed those reports. Genesis removed them ... for a few months. They then RE-reported on our credit reports that we still owe over {$8000.00}. We have disputed it again. 

We have attempted numerous times to contact them to get this resolved. No phone calls are returned. 

If we had actually owed the amount they are claiming, a Judge would have issued a Judgment and Writ of Garnishment for that amount. However, the Judge issued them in the correct amount of {$2500.00}. That amount has been paid. 

Please note as well that Genesis Credit is under investigation for fraud.
Consumer complaint received 2020-12-07
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: VANDERBILT MORTGAGE & FINANCE, INC (GA)

In XX/XX/2020, Vanderbilt Mortage reported that my mortgage account had been paid in full ( XXXX ). In XXXX, I contacted this agency to find out what was going on because the closed account status had a negative effect n my credit score. I pulled all three credit reports and account paid in full and closed had been reported to all three. I contacted the agency about the section and was informed that I would receive a response in 5 days. I contacted the agency after 10 days and was told that I should have received something in the mail. I informed them that nothing was received. I was then told due to my ex-husband filing bankruptcy that they could not give me any information about my mortgage. My ex-husband and I have been divorced for 15 years and the court documents show that the home was given to me. I have been trying to communicate with Vanderbilt Mortage for about a year about this account. But they refuse to give me information due to his bankruptcy but they are expecting me to continue to make my monthly payments. They refuse to give payoff information or my online access has been suspended. Although my credit report shows that the account has been closed since XXXX, I still make my monthly XXXX. I have never been late or behind on my payments. I would like for them to respond to this matter so that I could get my credit score back to where it was before the remark.
Consumer complaint received 2020-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. It is now approaching 60 days later, a and I have not received a response. I feel like Im being taken advantage of, and my disputes are being ignored. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those accounts from my credit report. It has been almost 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will be seeking litigation due to the stress this has caused me. My information was also impacted by the XXXX data breach and may have fell into the hands of the wrong person.
Consumer complaint received 2024-10-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: GOLDEN 1 CREDIT UNION, THE (CO)

On XX/XX/year> I received a fraudulent email that appeared to be from my insurance agent requesting the legitimate premium balance of {$8400.00} but had fraudulent wire instructions. The instructions were to wire these funds to Golden 1 Credit Union ( Routing Number : XXXX ) to the account of XXXX XXXX ( Account Number : XXXX ) which I did. I later learned that the insurance company never received the funds and discovered the fraud. My bank ( XXXX XXXX ) attempted to retrieve the wired funds from Golden 1 Credit Union but was informed that there were insufficient funds in XXXX XXXX 's account. 

XXXX XXXX, an account holder at Golden 1 Credit Union, is perpetrating federal wire fraud through his account at that institution.
Consumer complaint received 2020-12-07
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. (AL)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-12-07
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. (LA)

I recently started to monitor my credit with extra time on my hands this year with me not being employed and I notice someone has stolen my identity I have several fraud accounts in my name I have tried getting this resolved credit agencies and they are not helping ..
Consumer complaint received 2023-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Dear Sir or Madam, This letter is a sincere request for your help and consideration. Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains two late payments reported on XXXX and XXXX for my Account. 

I want to sincerely apologize for the delay. Unfortunately, my family and I have faced an extraordinarily challenging time. My wife and XXXX of our XXXX children fell severely ill, requiring my full attention and care. This unforeseen situation caused a significant disruption in my income, making it difficult to meet my financial obligations. 

I assure you that this was an isolated incident, and I have learned valuable lessons from this difficult experience. I am now in a more stable situation, and I have taken the necessary steps to address my financial obligations. I have resumed regular income, and I am committed to making timely payments on my loan moving forward. 

I genuinely value the relationship I have with Bank of America since 2016 and have always strived to meet my financial responsibilities promptly. However, the circumstances surrounding my family 's health crisis placed an enormous burden on me, both emotionally and financially. I am hopeful that you will consider my request for goodwill consideration and help me restore my financial standing. I believe in your commitment to customer satisfaction. 

Thank you for taking the time to read my letter and for your understanding. I eagerly await your response and look forward to resolving this matter amicably. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-12-17
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2024-10-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CarMax, Inc. (FL)

I was in the hospital for most of 2024, however, I have been able to make payments on my account until I had a XXXX XXXX  in XXXX, XXXX. I had initially set up an Extension/Deferment in XXXX prior to my XXXX  XXXX in order to get the account caught up. I was granted the extension, however, later found out that the extension was cancelled by someone other than myself or CARMAX. I was then told that if I made the payment for XXXX and XX/XX/year> payment, that I would be given an extension in order to get the account caught up. Because I had been in a medically induced coma during part of my hospital stay I was unable to communicate with anyone from CARMAX. My father and Attorney both tried to pay cash to CARMAX at a dealership in XXXX, XXXX  several times using my power of attorney and in one case my verbal authorization as well as my account number and XXXX ID/License. In all the cases they were rudely told that they would not accept the payment, even though it was in cash. When I was finally discharged from the hospital I had to restart my bank account, since the bank had suspended the account because i was in the hospital for a prolonged period and it was documented that I was incapacitated. When I finally got the account reactivated I made the XXXX and XXXX payments as advised by CARMAX on XX/XX/XXXX totaling {$2100.00} for XXXX and XX/XX/year> payments. I have tried several times to speak to management, and have sent documentation to CARMAX confirming both my hospitalization, which was already well documented, as well as proof of the payment Isent on XX/XX/year>. I never seem to make it past a customer service agent and the one " supervisor '' I spoke with was VERY rude. The last conversation I had with CARMAX was with a Customer Service Representative on XXXX XXXX in which a customer service representative said on a recorded line that if I made the XXXX and XXXX payments, which I did on XX/XX/year>, the 3 past due payments would be placed at the end of the loan, and I would be given an extension based on my situation. Additionally,, I reside in the area of XXXX affected by both Hurricane Helene and Milton and right now I am not living my house due to the damage from those storms. I have tried several times to speak to a member of management about this matter so I can set up some kind of deferment/extension in order to get my account up to date. I have begged and pleaded with the Customer Service Agents to have a member of management to either speak to me or contact me, however, no one from CARMAX management has bothered to speak to me when I call in, or reach out to me when I have asked several times. I am now filing this complaint and I am also considering going to the media with my situation. I am doing everything I can to resolve this matter, and CARMAX is avoiding speaking to me about it. Although, it has been acknowledged that the documents were received, NO ONE from CARMAX has bothered to reach out to me to discuss resolving this matter.
Consumer complaint received 2020-12-07
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (MI)

I received a U.S. Bank National Association ( US BANK ) Reliacard in the mail on Friday XX/XX/2020 with a credit card inside that was ready for activation. I opened up the envelop on XX/XX/2020. I never ordered or signed up for such a card. So, I called and spoke to a representative from the customer support line provided in the information and they said that the State of Colorado ordered the card for me to receive unemployment benefits. I have never lived nor worked in Colorado, so this is a bogus claim, or someone is using my identity to claim benefits that are not appropriate. 

US Bank 's " customer '' support line was useless and told me to take it up with the State of Colorado, but would not provide contact information, etc. so I can do so. 

So they will issue a credit card in my name, using my SSN, address, and phone number, but won't help resolve the issue. That is ridiculous! 

They did however cancel the card, but I have no idea how this might affect my credit rating, etc.
Consumer complaint received 2020-12-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc. (MA)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Neon Newco Corporation (NC)

Reporting - XXXX XXXX XXXX XXXX XXXX, I have recently moved to XXXX XXXX XXXX, XXXX, NC, XXXX I am receiving mails related to a loan/credit application with several banks/companies applied by XXXX XXXX and XXXX XXXX on my address XXXX XXXX XXXX, XXXX, NC, XXXX. 
Previous house owner also didnt know a person named XXXX XXXX and and XXXX XXXX. I am worried that this might be a financial fraud, can you please check at your end and tell me what actions need to be taken from my end. 

Netspend All Access Account XXXX XXXX issued to XXXX XXXX on my address. 

I prefer email communication as I can't remember each and every complaint Im making for this. 
Thanks, XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AL)

Im filing this complaint against XXXX XXXX XXXX and equifax credit reporting agencies. All three bureaus. I have tried reaching out to all three credit reporting agencies / bureaus about the inaccuracies, incorrect information Problems with company investigation wrong information such as old address wrong employers email address public information on my credit report and about fraud and identity theft and alike. Wrong name and social security numbers, reporting the same information 8 times to my credit reporting. Since XXXX XXXX XX/XX/2020 XXXX XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020. I have enclosed evidence of debts not mine and evidence of fraud and someone forging my signature on documents and all 3 credit bureaus has updated my credit profile with information that didnt come from me nor the creditors and I have written them several of times asking them to remove all emails that is linked to my credit profile through all third parties companies that does alerts and monitor my credit to my credit profile to stop the fraud. Street address thats 5-30 years old and someone has been repeatedly running my credit without my permission. All 3 bureaus has ignore to investigate, communicate me back to me with a veritable Petson that works at the disputing department to fix the situation.. They have lowered my credit score for no reason. They are in violation of the FRCA and they are violating my constitution rights and hurting my credit reputation. Injury and crippling me in major ways as a consumer. They fail to respond to any and all of my complaints. I will send all evidence once someone reach out to me via phone XXXX please. I need to make sure that the person that is writing letters are real and work with the 3 credit bureaus please
Consumer complaint received 2020-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. It is now approaching 60 days later, a and I have not received a response. I feel like Im being taken advantage of, and my disputes are being ignored. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those accounts from my credit report. It has been almost 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will be seeking litigation due to the stress this has caused me. My information was also impacted by the XX/XX/XXXX data breach and may have fell into the hands of the wrong person.