davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-13
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. (CA)

Despite the multiple previous written requests, the unverified this 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 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA. 

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please update this account, or inaccurate information, from my file immediately & send me the results to the address listed... 

XXXX XXXX XXXX
Consumer complaint received 2023-05-09
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. (FL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2023-05-09
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)

This is not my account. I have never signed for, authorized written instructions for this consumer to open an account, any personal information obtained by XXXX XXXX XXXX account # XXXX is inaccurate and obtained fraudulently. This consumer is reporting debt collection on all three credit bureaus with unverifiable information.
Consumer complaint received 2023-05-09
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: Experian Information Solutions Inc. (CA)

Account name : XXXX XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/2023 After a thorough review, I have determined that this alleged debt is entirely fraudulent. I categorically deny any association with this institution or any knowledge of owing them any amount. 

As per my understanding of the Fair Credit Reporting Act ( FCRA ), it is unlawful to report false, fraudulent, or unverifiable information on a consumer 's credit report. I remind you that failure to comply with these regulations may result in legal consequences. Therefore, I expect your agency to act promptly to investigate this matter, confirm the fraudulent nature of the debt, and remove it from my credit report accordingly.
Consumer complaint received 2023-05-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX, Transunion, XXXX is still in VIOLATION of the Fair credit reporting act. I have a lawsuit going on right now case number XXXX and all three companies have yet to remove all late payments and charged off accounts form my credit profile and that a violation of 15 usc 1681,15 usc 1681a ( 2 ) 15 usc 1681b, 15 usc 1681c. This a clear violation of the FCRA because anything disputed or in LITIGATION needs to be removed from the credit profile immediately until the lawsuit is resolved. I want every derogatory item deleted from my Credit profile immediately.
Consumer complaint received 2023-06-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-09
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP (MA)

On XX/XX/XXXX, an unauthorized person gained access to my US Bank Reliacard account for my unemployment compensation. It took a few weeks for me to become aware of this as my card was being declined and even though I called US Bank it took a few calls before the customer service agent at US Bank made me aware of it. My memory of that call ( which us bank says they record so it should be available ) is that the USBank Reliacard representative concluded that access to my account was gained because the unauthorized user was able to get the email address updated to a fraudulent account. I never received an email ( at my actual email address ) or text from US Bank verifying that I had approved the change and I believe that is because the change was made by a representative of us bank and not on their website. 

On that day of the call noted above, the US Bank representative initiated a claim. When I received the US Bank Transaction Dispute form by Mail, I competed it and returned it. I have not received any updates from US Bank. They will not allow me to speak with a representative in their fraud department. They know where the {$2000.00} was sent because the fraudulent bill pay was processed through their system and the details of that transaction show on my online account. I have called multiple times and continue to be told the time for a credit is 45-90 days. If this were a credit card charge that was being disputed they would put the charge on hold until the situation is resolved. In my case, it is {$2000.00} of cash stolen from my Reliacard account so I cant use that money until they come to a conclusion. 

Based on my understanding, this is a US Bank problem. Someone aided an unauthorized persons access to my account. That unauthorized person used the US Bank system to setup a fraudulent payee, setup a fraudulent payment to that payee, and process that fraudulent payment. US Bank has all of those records, records of all of the phone calls, presumably including the fraudulent call by the unauthorized persons which got them account access. US Bank doesnt need to withhold my money for 45-90 days while they investigate their internal security issues.
Consumer complaint received 2023-05-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Monterey Financial Services LLC (OK)

My contract was with XXXX. Not the financial service company trying to charge me more after Ive already paid off. Which shortly after obtaining the loan they switched payment methods to XXXX XXXX Monterey financial services . Theyve called me at work when Ive asked not to do so. After XXXX and after all of that I paid the full payoff amount XX/XX/XXXX with my taxes. This month they have tried to charge my account and say I still owe {$140.00} which I do not. When I submitted the payment my payoff had a XXXX dollar balance. Now they are trying to intimidate me by saying a few negative reviews is nothing compared to their XXXX years of service. I have the screenshots.
Consumer complaint received 2023-05-09
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NY)

after i filled a cfpd complaint # XXXX Your statement said that the account was closed and removed from my credit report yet it is still appearing on my credit report. please remove all negative remarks from my credit your statemtn said it was removed from my report in year 2021 thats two years ago and yet it still appears on my credit report
Consumer complaint received 2023-05-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (VA)

I am writing to you regarding an ongoing issue I have been experiencing with Cash App. Over the course of the past year, I have had fraudulent charges and unauthorized transactions totaling over {$3000.00} on my account. I have attempted to address this issue with Cash App on multiple occasions, but to no avail. 

I have contacted Cash App through their customer support channels numerous times, and every time I receive the same response of " looking into it. '' I have filed disputes with Cash App, but they have been denied without explanation or resolution. Despite my repeated attempts to get this issue resolved, I have not received any assistance or correction from Cash App. 

In addition to the fraudulent charges, I also had bitcoin sold from my account without my authorization. This has caused me significant XXXX XXXX XXXX XXXX, and I have been left feeling helpless and frustrated by Cash App 's lack of support. 

As a loyal customer of Cash App, I had always trusted that my account and transactions were secure. However, the ongoing issues with fraudulent charges and unauthorized transactions have shattered that trust. I am deeply disappointed with Cash App 's lack of action and communication regarding this matter. 

I urge Cash App to take immediate action to address this issue, provide a resolution to my disputes, and take steps to prevent similar incidents from happening in the future. I believe that Cash App has a responsibility to protect its customers from fraud and to address complaints in a timely and effective manner.I feel others are being taken advantage of and utilizing this company has defrauded. millions of consumers of finances. 
Thank you for your attention to this matter.
Consumer complaint received 2017-04-12
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: D. SCOTT CARRUTHERS (CA)

My husband and I get calls from D. Scott Carruthers office. They called my husbands employment ( he teaches at a public school ) and when he said to stop calling him, they still called the school district office. We have asked repeatedly for documentation of the loan and amount we supposedly owe. They do n't. They have now filed a civil lawsuit against my husband. When my husband called his office for more info, the staffer said we owed  XXXX  and we needed to settle for  XXXX . We are in the process of getting legal representation to fight back.
Consumer complaint received 2016-03-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently tried to purchase a car and when my credit report was pulled up. It showed that I was on collection/public record with XXXX. A company that I have never done business with. Ever since I started driving my insurance companies have been XXXX and XXXX. I suspect that this may be someone else with my same name. I have n't been able to access any of my annual credit reports and I have the same suspicion that someone with my same name. Every time that I tried requesting my reports it would tell me that my information was insufficient to confirm my identity and match my credit. I desperately need a car but I refuse to be given an interest rate based on credit scores that do not accurately represent me.
Consumer complaint received 2023-07-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am a victim of Identity Theft, a account and these fraudulent inquiries were made without my consent. I already filed a Identity theft FTC report reference XXXX which is attached. Please remove these fraudulent inquiries and account off my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Please remove it from my credit report. 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 XXXXXXXX balance {$740.00}. I did not authorize these accounts please remove them from my consumer reports. I did not authorize these inquiries so please remove it from my consumerreports : 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 This information is resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. MY NAME IS SPELLED XXXX XXXX XXXX I demand that ANY other variations or incorrect spellings of my name be removed immediately. My only address that should be showing on my consumer reports is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX Please remove ANY other addresses showing on my report because they are fraudulent. Sincerely, XXXX XXXX
Consumer complaint received 2017-02-10
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (MA)

I took out student loans with XXXX, now navient back when i was in college in XX/XX/XXXX and XX/XX/XXXX each loan was for XXXX and XXXX respectively. every month since i have graduated in XX/XX/XXXX i have paid above and beyond what they have asked, at least XX/XX/XXXX a month. yet the loans never go down. interests is added DAILY. now ten years later of paying XXXX every month my student loans are totaled to owe XXXX..how is this fair? how does this even make sense?
Consumer complaint received 2017-01-27
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (TN)

I contacted Experian today requesting a refund for an apparent membership that I did not realize I was signing up for. I went to the website on XX/XX/XXXX to purchase a credit report that I thought was free but I saw that I had to pay XXXX so I thought it was just a processing fee and then {$21.00} came out of my account 10 days later, which I just saw today and I did not authorize or think I was authorizing. What I saw when I went to the website on my phone on XX/XX/XXXX is in the attached image. 
The supervisors I spoke with today said they could not issue me a refund because it clearly states on the website that I was supposed to cancel within one week but here 's the thing, I NEVER saw the important information section that is listed on the website because you have to scroll down to see it from mobile. It 's on a separate screen. How deceiving! Seriously! Deceptive mArketing at its best, advertising a purchase for {$1.00} and then misleading customers into a monthly subscription. 
All I saw was that front page which prompts you to immediately click the button, so I clicked on it thinking I was purchasing a credit report for one dollar and that was it. I did not sign up for anything I did not authorize any reoccurring payment on my end. Today I called and did cancel after finding out that they had signed me up for this. I feel very deceived and I would like my {$21.00} back.
Consumer complaint received 2016-01-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Alliance One, Inc. (FL)

Alliance One contacted me about a fraudulent and fabricated debt that was 15-years-old. The matter was fully adjudicated in 2003. Alliance One is fraudulently attempting to collect a debt that should have never existed to begin with because the original matter was fabricated. It was in fact fully paid as documented with legal court receipts, and as a result the matter was fully dismissed, discharged and closed through court-ordered adjudication. They have currently suspended my license illegally. Now I have suffered loss of income, traffic tickets, and even XXXX. 
Even worse, even if the fraudulent debt were valid, the debt is time-barred, through the statute-of-limitations. Further still, the Alliance One representative repeatedly lied about where they were located, what their first and last name was, and even the telephone number from where they were calling from.
Consumer complaint received 2023-02-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (TX)

XXXX XXXX XXXX is falsely reporting on my credit. Per my research XXXXXXXX XXXX XXXX is a debt collector. Under 15 U.S code 1681d disclosure of investigation violation violation below : A person may not procure or cause to be prepared and investigate consumer report ( 1 ) It is clearly and accurately disclosed to the consumer that and investigative consumer report including information as to his character general reputation personal characteristics and mode of living whichever are applicable may be made and such disclosure ( A ) is made in writing mailed or otherwise delivered to the consumer not later than 3 days after the date on which the report was first requested I requested to be provided proof of this alleged item, specifically the original contract bearing my signature with XXXX XXXX XXXX. Im requesting that this is deleted from my credit report as soon as possible. Under federal law you have 30 days for reinvestigation I will also be seeking {$1000.00} per violation for : 1 : Defamation 2 : Negligent Enablement of Identity Fraud 3 : Violations of 15 U S C 1692g
Consumer complaint received 2015-05-29
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (FL)

I graduted on XXXX 2007, from XXXX XXXX XXXX, right now my student loans is about XXXX or more, I ca n't paid my loan, I 'm single mother of XXXX, work XXXX hours a week to paid rent, utilities, food etc. I would like to know if XXXX charge me a lot of money got a my XXXX, I do n't work in computers, they didnt help me to find a job. So I would like to know if I have a case. My credit is so poor right now, that I ca n't even buy a house o a car. Help me please
Consumer complaint received 2015-04-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (NV)

received collections notice that company was collecting a debt for XXXX XXXX XXXX, offering me XXXX payment options, none of which equaled the amount I " owed ''. i called XXXX XXXX XXXX and verified that my account was completely up to date.
Consumer complaint received 2017-03-28
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (AZ)

We have tried repeatedly to get Navient to transfer our stafford student loans to XXXX because both my husband and I work for XXXX and would qualify for public service loan forgiveness, but each time we apply they deny us saying we did n't file the right paperwork or ignore us altogether. We have applied 3 times and twice they did n't even respond.
Consumer complaint received 2015-04-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (MI)

In XX/XX/XXXX i received a phone call from a debt collector claiming to represent an overdue XXXX account. I did not recall being a XXXX member and was suspicious.After checking the collectors name online multiple results came up calling the company a scam particularly claiming past due XXXX accounts. When the collectors called me again i called them out on the scam and the warnings on the web. i did not hear from them again until XX/XX/XXXX when another collection agency called me under a different name but with the same past due XXXX account. unlike in XX/XX/XXXX i demanded some form of paperwork proving any such deal between myself and XXXX.no such paperwork could be produced but they did send me a bill wich i have kept on file. They identify themselves as Diversified Consultants , Inc . ( D.C.I. ). I checked them online again and more warnings came up as results on XXXX.
Consumer complaint received 2015-06-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NY)

I have been back and forth with Equifax since XX/XX/2010 about some of their credit reporting choices and they have re-inserted data on my credit report the last week, failed to give me a full credit report after my last investigation and claimed by report is not showing files with account numbers I listed, even though according to XXXX, they are listed.

For their most recent failure, they have added XXXX XXXX files to my report, in which all of them were deleted from my report in XX/XX/2010 after the investigation came back as not mine.  Since that time, there has been at least 3-4 times in which they added these files back on, then deleted them after I reminded them they cannot re-add a file without giving me prior notification, as per the law, and they just allow it to happen.  My only recourse has been to report them, contact attorneys offices and BEG for investigations to be completed correctly.

I want these files finally deleted and left off my record, as they have already been multiple times the last 5 years.