davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc. (CA)

On XX/XX/2022 a FRAUDULENT purchase came through on my cash App account. 
Ok did not make this purchase for {$56.00}. 
I immediately advised cash app about this transaction. They refused to cancel the transaction. This transaction was {$160.00} but cash app states they declined the purchase however this purchase withdrew all the funds I had on the card which was {$56.00}. 
Cash app told me they opened a claim for this transaction but they did not provide credit to extend their investigation past 10 days and they refuse to provide me any documentation or information regarding my claim. And I don't know if the claim is still even open. It's been XXXX weeks and my money has not been returned.
Consumer complaint received 2022-10-25
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$7900.00}, XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}XXXX XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$2800.00}, XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$2300.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$240.00}, XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$460.00}, XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$4600.00}, XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$2800.00}, and XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-09-13
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: JPMORGAN CHASE & CO. (MA)

This is not my debt and I have asked repeatedly in writing and over the phone for proof of debt. Documentation provided to me that this is in fact my debt under the protection of the law. Just because they say it is mine doesnt mean it is, I am owed proof of debt under the law. This is not my debt.
Consumer complaint received 2022-09-13
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. (OH)

For over a year I have been trying to fix the improper Foreclosure statues that keeps getting reported to my account even though the account in question has been proven by XXXX XXXX that there should not be a XXXX status reported. I will be attaching a document from XXXX XXXX that shows proof from them that the account should not be in XXXX status. 
The account in question is : XXXX XXXX XXXX Mortgage -Property sold on XX/XX/XXXX of 2020. 
Actions taken are : - Discussed issue with XXXX XXXX - Received document to clear FC from XXXX XXXX XXXX - Talked to All three Credit bureau and filed dispute on XXXX XXXX - Submitted one claim to CFPB : Claim FAILED by CFPB - Disputed with again with ALL Three Credit Bureau 's and still no change.
Consumer complaint received 2022-10-25
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. (NC)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Credit Bureau have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following items are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these items from my credit file. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXX/XX/2022.
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

This is about XXXX and XXXX creditors and the inaccuracies that Experian inequitably furnishes in my consumer report. I came to find out about this inaccuracy on XX/XX/2022. Since then, I have been disputing the inaccuracy of this account on my credit report and requested for it to be deleted if there was not any sufficient evidence shown to me. This is the list of inaccurate reporting ; payment status shows as charge-off and collection. This doesn't show up on my XXXX and XXXX reports because I asked them to investigate the account and it was removed from my credit report for the same reason for disputing with Experian. I have not received any detailed results informing me of the results of Experian. They only sent me a letter informing me that the account is verified. I should be informed on how the account is being verified, why the account reports as charge-off and collection, how the consumer verified the account and should receive a copy of how the account was verified. Experian failed to comply with the law requirements by reporting fairly, and accurately and investigating properly. This has cost me hardship and hindered me from receiving loans, and insurance, and being able to qualify to live somewhere.
Consumer complaint received 2022-09-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  Account XXXX XXXX, XXXX Account XXXX XXXX XXXX Inquired XXXX XXXX, XXXX. Date of inquiry XXXX XXXX  Date of inquiry XXXX XXXX Date of inquiry XXXX XXXX XXXX XXXX Date of inquiry XXXX XXXX  Date of inquiry XXXX XXXX Date of inquiry XXXX XXXX XXXX, XXXX XXXX  Date of inquiry XXXX XXXX XXXX Date of inquiry XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Date of inquiry XXXX XXXX XXXX XXXX  XXXX XXXX of inquiry XXXX Addresses : XXXX XXXX  XXXX XXXX XXXX Ga XXXX,
Consumer complaint received 2022-10-25
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. (OH)

In accordance with the Fair Credit Reporting act. The Lists of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681 XXXX 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 an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing and of the following items of information. Any other adverse of information, other than records of 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2015-10-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MI)

I sent a letter to Experian requesting validation of an inaccurate item on my credit file. The letter included the very pertinent information as they themselves use. If Experian is not able to identify me by the very information that they are allowing an alleged collector to use in order to make a claim, how could this be considered fair credit reporting practices? 

Instead of validating the item in dispute, Experian replied with a request for unreasonable and unnecessary personal information from my personal files, such as a copy of my drivers license, utility bill, bank statement, social security number, complete spelling of my name, and addresses for the past two years.
Consumer complaint received 2022-10-25
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. (SC)

XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX SC, XXXX XX/XX/1985 Last 4 of SSN : XXXX XXXX XXXX To Whom It May Concern, On XXXX XXXX, I wrote to you requesting an investigation into items that I believed were ( INNACCURATE, OUTDATED OR OBSOLETE ). To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 

Since this is my ( SECOND, THIRD, FOURTH, ETC ) ) request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. 

Please see my reasons for dispute below : I have sent proof that there is a substantial amount of errors on my credit file varying from ; Experian, XXXX, and XXXX. I have done so more than once. My credit reports still reads errors, which goes against the FCRA. 
( FCRA states all items reported by a furnisher must be 100 % ), and you still refuse to remove those accounts. Every piece of information I provided was/is enough for items to be removed. I attached an updated report that shows that after the first investigation, even when the credit reporters said their investigation was completed, they did not update any information and my report still reads the same thing. 

I also understand that you are required to notify me of your investigation results within 30 days and provide me with an updated copy of my credit report. My contact information is provided below. 


Sincerely, XXXX XXXX XXXX.
Consumer complaint received 2022-10-25
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (MA)

I moved suddenly during the pandemic I update my address with the creditor ad bills were not sent to this address. The creditor is aware of this and sent out the bills to the correct address but marked my account 30- days late even though I did not receive a bill. My account has never been late and had a XXXX balance for a long time. Please update my credit report.
Consumer complaint received 2022-10-25
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. (MO)

This is XXXX XXXX XXXX submitting this CFPB complaint to you today to inform that I will be filing a lawsuit against the Credit reporting Agencies. For the last 6 months, I have been disputing for the correction of my Credit report by having the disputed items removed from my Credit report and yet they have failed to do so. Also, the Credit Reporting Agencies have been claiming that the disputed items are verified and are accurate per the Creditors ' verification, however, no matter how many times I ask for the Credit Bureaus to send me copies of proof of verification, they do not comply! I have had enough of their stall tactics and I am working with my legal team to submit a lawsuit against the Credit Bureaus. Under the Fair Credit Reporting Act, the Credit Reporting Agencies are required to investigate the disputed items and present the results of their investigation after 30 days. Six months have passed and the Credit Bureaus have been sending me nothing! I am disappointed at the Credit Bureaus, the agencies whom I thought of the one willing to help us consumers is the one making our lives miserable. This will be last attempt to contact the Credit Bureau via CFPB portal and in the event the Credit Bureaus do not comply with the requests, please understand I am only filing a lawsuit to protect my consumer rights. If it is not too much to ask, please have the following items removed from my Credit Report : XXXX. XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX. XXXXXXXX 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 2015-07-26
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Quality Asset Recovery LLC (PA)

I had an XXXX at XXXX on my XXXX on XX/XX/XXXX. Before the services were provided, XXXX notified me that my XXXX would be {$1500.00} and I 'd have to pay my {$500.00} medical deductible before services would be rendered. I came with {$500.00} cash ; however, they offered an interest free payment plan. I took the payment plan as it was favourable to paying {$500.00} cash on day 1. My credit card has been billed as agreed upon in the payment plan. I have also fully paid my credit card ( {$0.00} outstanding balance at each month-end since before XX/XX/XXXX, which means I have paid in line with the payment plan ). I received a voicemail the week commencing XXXX XXXX from someone stating to be employed by XXXX, which is the parent company of XXXX, stating that I have not paid my balance. When I asked how that was possible as I was on a payment plan, they noted they sit in a different office and were not aware of my payment plan. Not knowing about my payment plan seemed a bit off, so I looked into the number I was given on my voicemail and noted it was for Quality Asset Recovery, a debt collection agency! This individual, XXXX XXXX ( XXXX ), actually does NOT work at XXXX as he claimed in his voicemail ( which I am more than willing to provide ). He never once even notified me he worked for a debt collection agency. I then decided to call XXXX directly to ask about this and they stated that I, in fact, had paid every bill on time as agreed, and that the issue came from them " incorrectly sending accounts for collections '' to XXXX. 

I would also like to note that I never once received a notice from XXXX that I was late on payment. I also sent them a letter XX/XX/XXXX asking for the detailed billing for my XXXX ( as this was never produced ). It has been 2 months since that letter was sent and I am still awaiting a response.
Consumer complaint received 2016-02-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc. (MO)

I called XXXX XXXX XXXX XXXX, XXXX XXXX, Insurance representative, XXXX for an insurance quote. He said lets see if the cost of the policy goes down if you insure a vehicle with us and put auto insurance in the system. The insurance I was getting a quote for was my employer. The vehicle XXXX XXXX put in the system was already insured and belong to the business. I was not looking for auto insurance. XXXX did not go with this quote and forgot to cancle the make believe auto policy. I called him and his manager and asked them to stop sending policy payment request. They both said they would handle it.
Consumer complaint received 2022-10-25
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. (NY)

Please be advised this is my SECOND WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite the previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following account be verified or repaired immediately. 

XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$24.00} - I was never late ... the bank made an error with my address and sent the statement to the wrong address. They said they would remove the negativity. Please remove negativity... please check account is not untimely, unverifiable, incomplete or inaccurate.
Consumer complaint received 2023-07-05
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. (TX)

I am the writer of this complaint and I found some inaccurate and incomplete information on my credit report. Aren't the CRA 's required by law to conduct a thorough investigation and DELETE all inaccurate info? I have attached letters and my ID and SSC to verify my ID
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I have submitted 3 request to the 3 bureaus to correct my information personal information. for there are accounts under names that I don't know and it doesn't belong to me. for example there is XXXX bill under the name of XXXX who is XXXX? it is not me, this account has been on my file for while along with other negative reporting that don't belong to me. I have submitted two forms of government ID passport and driver license to show my correct name spelling and address and as of yet they have not removed these addresses and names from my file and they have files under these false names. Now how do we say they are accurate in their reporting when they are slandering me especially that I have filed a fraud alert for I was robbed more than once and my information in the hospital was stolen. so when contacting the 3 bureaus it is their responsibility to assure they are reporting accurate information especially when it is impacting me negatively. I request that my personal information to be corrected to show only my current address and my name as spelled on my driver license and passport as I submitted them. and on the 3rd request as I have submitted XXXX some of them send me delayed letter to play and delay with the time instead of doing their job asking me for a lease. When I got my license I already submitted that proof so my government ID is enough to correct the information especially when YOu have a passport. I don't understand what pleasure they get from ruining people 's life? is it to keep them slaves? is this the function of the bureaus? 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-11-27
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (FL)

Citibank changed the APR on my card without warning or reason to 22.74 % from 3.5 %. 
I sent a message requesting an explanation and got no response. 
My APR was low because I was an employee, and for several years was not paid full wages. After the class action suit and final payment, I understand I 'm not entitled to this APR, however the rate changed immediately after I complained about a late fee. ( Was unable to pay on time because of the web site ) I feel the APR change was retaliatory and not based on my credit rating. No late or missed payments - I believe the person who got my message abused their privileges. Even if this is untrue, there was no notification or notice sent in any way.
Consumer complaint received 2016-07-24
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (IL)

CitiBank closed my Double Cash Credit Card account # XXXX XX/XX/2016 without explanation and refused to respond to my inquires. At the time of account closure, I accumulated {$200.00} in cash back rewards which I can not redeem anymore give my account status. I would like CitiBank to send me a check for the {$200.00} in unredeemed rewards. 

Thanks, XXXX XXXX