davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

This account is reporting incorrectly. It is not past due and is current.Experian just changed my status to past due falsely claiming I have missed a payment and have a past due balance and that is inaccurate. It has caused my score to decrease drastically. Update account ASAP and remove the late payment. Ive only had XXXX late payment for them since XX/XX/2024. Every other payment has been current since
Consumer complaint received 2020-08-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc. (TN)

On XX/XX/XXXX I noticed suspicious activity on my Cash App Visa. I  notified Cash App through their app on my mobile and I received an email acknowledging receipt of notification. I later attempted to call an 800 number, which later to learn it was not an official Cash App site. I sent an email to Cash App providing information from the 800 call which the representative asked me to access my personal checking account, an unauthorized payment to XXXX XXXX for {$690.00} was removed from my Cash App Visa, and two attempted withdrawals from my personal checking account declined by my bank, one for {$690.00} and other {$490.00}. My personal bank immediately deactivated my Visa debit card. I have not received a phone call from Cash App. I have only received communication through email. I went against my family and friends advise of filing charges and a complaint. I was asked to allow ten business days for an investigation, which ended XX/XX/XXXX. I received the following emails below post the alleged investigation. 

I had to travel for work without a debit card. I am on budget, in bankruptcy, bills not paid, and I had to borrow money. I am still wondering if my mobile is compromised, I removed apps and I limited my use. Cash App has not shown empathy, concern, or compassion to the matter. Cash App continues to dismiss the matter. 

Hi XXXXXX, The card network closed your Cash Card dispute claim in your favor. 
Date Status Amount Balance After Last Four Card # Type Statement Description XX/XX/XXXX at XXXX CDT Captured {$46.00} {$0.00} XXXX Card Not Present Purchase XXXX * XX/XX/XXXX at XXXX CDT Captured {$59.00} {$990.00} XXXX Card Not Present Purchase XXXX  * XX/XX/XXXX at XXXX CDT Captured {$5.00} {$990.00} XXXX Card Not Present Purchase XXXX  * The provisional credit previously paid to your Cash App balance is permanent. 
We appreciate your patience and cooperation throughout the dispute claim process. 

XXXXXXX Cash App Support Hello, Cash App is unable to cancel or refund completed payments. If you would like to recover your funds, please send a request to the recipient : 1. Tap the Activity tab on your Cash App home screen 2. Select the payment in question and tap Request Refund 3. Select a reason and tap Next to complete the request Before sending a payment in the future, we strongly recommend that you : Only send to people you know Verify the recipients name before sending Double-check the spelling of $ Cashtags Double-check the recipients phone number or email for typos To learn more, please visit Cash App Terms of Service. To learn how to further secure your account with safety features, please visit our Help Center. 

Best, XXXXXXXX Cash App Support
Consumer complaint received 2020-06-19
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: Professional Credit Management, Inc (MS)

I had about 7 medical bills all with the same company for testing. After disputing some of the charges they were sent to a company called Professional Credit Management which a debt collector out of XXXX, Arkansas. I contacted this creditor on numerous occasions. I was told by several representatives that my paid accounts would be removed from my credit report but they would not remove them until they were all paid in full. Well I have paid ever single account. When I noticed the accounts were not being removed from my credit reports I contacted PCM via phone and mail. I was told that by a female representative that they would not be removing my paid accounts. When I advised her that I was told they would be removed she said the person was new and did not understand how PCM does business. The representative refused to provide me her name or reference number. She then called me a " XXXX '' and told me to " pay my XXXX bills on time next time. '' When I tried to call back to speak with a manager, PCM blocked my phone number and will not accept a call from me. When I call from another number and I tell them who I am, they place me on hold without ever picking back up. I am asking for help. I am a consumer that has been taken advantage of and treated poorly. I can provide proof of payment on all accounts and also a copy of the letter that I received from PCM in reference to deleting paid accounts.
Consumer complaint received 2024-09-19
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. (PA)

TO WHOM IT MAY CONCERN Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item 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 a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (CA)

I have sent the following letter along with the full text of the email offer I received from aa.com to CFPB by USPS XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XX/XX/2022 XXXX Consumer Financial Protection Bureau po box 27170 Washington , DC 20038 Dear Sirs : On XX/XX/2022 I received the attached email from XXXX offering me the opportunity to apply for a new XXXX XXXX XXXX with a XXXX miles bonus offer after spending {$3000.00} on the card. Despite the fact that this email included an exclusive invitation number it also included language excluding persons who had received the bonus within the last 48 months. Confused by this contradictory language, prior to applying for the card I called Citi Bank to confirm that the offer was valid with the invitation number despite my having received bonus miles in the last 48 months. I was assured by the Citi Bank agent that any offer with their invitation number was valid. 
After recently complying with the terms of the bonus offer for card number ending in XXXX, I called Citi Bank last week at the number on the back of my card ( XXXX ) and asked for confirmation that I had met the requirements. I was told that there was no bonus offer associated with my card, despite having applied by clicking through the offer email. The offer spending compliance was confirmed. Today I called that number again and spoke to an agent who flat out told me that the 48 month exclusion language takes precedence, despite being previously told that the invitation number takes precedence. I was also told that I would not get the offered XXXX bonus miles. I asked why I was sent the offer if I was not eligible and was told that they CAN NOT TRACK their customers eligibility before sending out offers. 
To fix this failure to comply with their offer as confirmed over the phone with their agent BEFORE APPLYING, I am asking for the XXXX offered miles to be added to my XXXX  account XXXX 
Thank you for your attention to this matter ;
Consumer complaint received 2022-06-23
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX, XXXX XXXX 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 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (IA)

RE : Formal Complaint Regarding Illegally Opened Credit Card and Unresolved Payment Issues Dear XXXX XXXX XXXXXXXX XXXX XXXXd Department, I am writing to formally express my concerns and dissatisfaction regarding a credit card account that was illegally opened in someone elses name, with my social security and credit attached to it, without my authorization. Despite my repeated efforts to address this matter, XXXX has failed to take appropriate corrective action. I have made numerous attempts to resolve this issue since XX/XX/2024, but my concerns remain unaddressed. 

First, I made a payment of {$1100.00} towards the balance on the card, and XXXX has failed to apply this payment to the account. Despite providing proof of this payment, the credit has not been reflected, and the outstanding balance remains unchanged. 

Furthermore, XXXX has failed to remove charges from the account that I did not make. On multiple occasions, I have requested proof of the charges made to this card, including those that XXXX alleges I have made, but no such proof has been provided. The lack of transparency and refusal to supply this documentation is deeply concerning. 

In addition, despite providing proof of my payment, XXXX continues to disregard it and has refused to credit the account. The refusal to correct this error, despite clear evidence, is unacceptable. 

I have had numerous telephone conversations with XXXX representatives since XX/XX/2024, and during these calls, I have repeatedly requested adjustments to correct the errors on the account. Despite these efforts, XXXX has refused to make the necessary changes. 

As a result of XXXX refusal to resolve this matter, I have been subjected to numerous late fees and interest charges, which have been unfairly added to the account. These unjustified fees, combined with the unresolved issues, have had adverse effects on my credit score and reports, causing significant harm to my financial standing. 

I urge XXXX to immediately investigate this matter, remove the fraudulent charges, apply my payment to the account, and reverse the late fees and interest charges that have been unfairly added. Failure to resolve this issue will leave me with no choice but to escalate this matter to the relevant regulatory authorities. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-06-23
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (CA)

I got a phone call from XXXX XXXX, phone number XXXX, allegedly a loan officer at Loan Depot. 

He stated he was calling about a loan that I had applied for at Loan Depot. I told him I didnt remember applying for a loan at Loan Depot to refinance my home. 


I immediately questioned this. 

After several back and forth questions I think they may have bought my info from XXXX I had recently got pre-approved with another lender intending to purchase an investment property. 

It was highly disconcerting and misleading for him to say I had applied to Loan Depot when I had not. Just felt like a company trying to take advantage of consumers.
Consumer complaint received 2022-06-23
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: CarMax, Inc. (IL)

My wife and I had a vehicle loan through Carmax. We paid the loan in full on XX/XX/2021. It took two months to report hers correctly but they still havent fixed mine.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Unable to utilize my credit freezes or view anything this is not the first time that Ive been treated this way this has happened many times before I also am being forced to pay to view my credit report which is a violation of the fair credit law
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc. (GA)

This account is not mine, Im unaware of it even being made or created under my name and with my information, I tried to dispute and it was placed as a charge off thats effecting my account, I would very much like for this to be deleted
Consumer complaint received 2016-03-15
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (MN)

I took out a loan from Castle Payday, now XXXX XXXX XXXX. On XXXX/XXXX/16 I got approved for a loan for {$600.00}. It is my understanding that in Minnesota you have to be licensed to lend to residents. To date, I have paid {$330.00} in fees for a {$600.00} loan. I do not believe this company is legal to lend in Minnesota. They say they are governed by Tribal laws, but I do n't see how that can apply to someone who is n't living on the reservation.
Consumer complaint received 2020-06-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (PA)

XX/XX/2020- Sent communication to Equifax regarding inaccurate information/ violations on my credit report. 

XX/XX/2020- Sent communication to Equifax regarding inaccurate names, addressed, and social security number. 

XX/XX/2020- After waiting the 45 business days after initial dispute letter ( XX/XX/20 ) I sent a letter regarding their failure to respond. I included my original dispute. Requested that these accounts be deleted due to no verification. 

XX/XX/2020- Sent a factual dispute via certified mail regarding the inaccurately reporting accounts that have not been verified. I attached a screenshot requesting immediate deletion and my proof of identity. 

I have yet to receive any information regarding an investigation. When logged into the site it states that I have disputed the accounts and that is all. No verification. No Communication. No deletion. For three months. 

I have also completed multiple disputes for addresses online. I receive final reports of the dispute online saying that the addresses have been deleted and they are still visible on my credit report. Most of these reported addresses are not actual addresses at all. I have attempted to call Equifax with no results. I was placed on hold and disconnected.
Consumer complaint received 2024-10-30
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Fees charged
Company: FCI Lender Services Inc. (GA)

I am writing to request correction of the error described below regarding the land loan on my property at XXXX XXXX XXXX XXXX, NC XXXX. Per FCI Lending Services records, no payments were received in XX/XX/year> or XX/XX/year>. This is incorrect. The XX/XX/year> payment was sent out XX/XX/year> via online bill payment with an expected delivery date from XXXX. The XX/XX/year> online payment was sent out in XX/XX/year> with an expected delivery date of XXXX. After receiving late notices for these payments, I contacted my back who communicated that the checks were sent, however have not been cashed. I provided bank copies showing where these payments had been sent, but not cashed by FCI lending Services. As the checks were later cashed and cleared, I was charged late fees for those months. 

The payment for XX/XX/scrub>XXXX XXXX  was sent out with a delivery date of XXXX in the amount of {$540.00}. The payment for XX/XX/year> in the of {$540.00} was sent out with an expected delivery date of XXXX. There was an initial late fee charged of {$66.00} in XX/XX/year> charged to my account that was later waived. Recently, the XX/XX/year> payment was sent out with an expected delivery date of XXXX 

As I received my mailed billing statements, I continue to see that for the months of XXXX and XX/XX/year>, there are late fees charged in the amount of {$35.00} for both months. 
The XX/XX/year> statement currently shows that : XXXX  Late Fee : {$35.00} XXXX Late Fee : {$35.00} XXXX  Partial Payment Received ( Even though I paid the full amount ) XXXX Late Fee : {$35.00} XXXX  Late Fee : {$35.00} XXXX Late Fee : {$35.00} XXXX Late Fee : {$35.00} I recently received a billing statement claiming that I now owe {$2400.00} as of XXXX. Communicating with FCI has been a nightmare and they are not willing to correct their issue if was on their end. It looks to me as if FCI blames the consumer for any and all errors and is not very helpful in resolving matters.