davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-13
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. (NC)

THE DISPUTED INQUIRIES DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THOSE INQUIRIES ARE DUE FOR REMOVAL OFF MY CREDIT FILE.
Consumer complaint received 2020-10-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (NY)

Recently after several withdrawal requests for {$1000.00} - {$2000.00} were submitted by me, and denied from my bank 's ATM XXXX Using MY CashApp card ) I sent Square / CashApp an inquiry for increased withdrawal limits. This option was not available. A {$500.00} limit is INSUFFICIENT. Several friends have cashapp and are unrestricted on their withdraw limits. I have NO IDEA why those requests could be denied - since I hadn't used the card for any large payouts, or taken ANY money for myself - and there was still around {$6000.00} on the cashapp card. CashApp responded to my 'card inquiry stating that it was due to the limit on the bank 's ATM macine - but today (XX/XX/XXXX ) I went and asked the teller directly to use the card and take the cash from the bank drawer, and she stated she could not. The CashApp was blocking her access to the funds.
Consumer complaint received 2020-10-07
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Dear XXXX / Cfpb ; I'm not sure where to take this anymore, but for the last 3-4 months I been deliberately trying to reach out to the department of education, credit bureaus in regards to negative entries on my credit report and no one seems to help. It's been more than 90-120 days and the creditor, and the credit bureaus have both failed to report. It's impossible that these student loans were verified because it continues to report incomplete, inaccurate, erroneous information on my credit ; & it's basically an unverifiable account. Plus i have never gone to college or universities in the USA - These accounts as i stated before doesn't belong to me and i'm not liable for me. Also, after several research into this matter, through the ftc and cfpb website, i noticed that several student loan servicers were sued for mismanaging for not handling the accounts properly, and then falsely reporting information on an individual credit report.. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumers to dispute information directly with the furnisher. What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2020-10-13
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OH)

Credit Bureau Dispute Affidavit XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Ohio XXXX SS XXXX DOB XXXX I have noticed several unauthorized accounts on my credit report where someone has used my personal information to obtain multiple bogus accounts. These following accounts were created without my knowledge : XXXX  # XXXX, XXXX XXXX XXXX # XXXX I've requested documents from the companies mentioned above. I never received anything. 


All other addresses are not accurate. 
Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX This is my only number XXXX ) XXXX All other telephone numbers are not accurate. 

Please REMOVE/DELETE these telephone numbers IMMEDIATELY : ( 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 2020-10-07
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

XXXX XXXX XXXX ; This is unbelievable and it's been over 90-120 days and I'm not sure what's going on. Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2020-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Volvo Car Financial Services U.S., LLC (CA)

I returned a leased vehicle to XXXX XXXX XXXX on XX/XX/2020. I got a new leased XXXX at the same time. It was delivered to me and the old vehicle taken. I received a bill from Volvo in XXXX ( for the vehicle I turned in ) for the monthly payment, a late charge and excessive mileage charge. I had not exceeded the mileage, in fact it was under the amount allotted in my lease. When I called Volvo Financial Services ( VFS ) to inquire about why I was being billed for a car I no longer had possession of, they said they hadn't received the odometer disclosure from the dealer yet. I was told " not to worry, it sometimes took a few weeks for the paperwork to " catch up ''. I was told " they would make a note in my account and my credit would not be in jeopardy ''. I then started getting phone calls from VFS about my past due account. I explained repeatedly and was told the same thing- 'do n't worry, we noted this and it won't affect your credit. VFS asked me to contact the dealer and get the odometer disclosure statement because " I would have better luck as the customer ''. I did and it took several weeks to actually get the report. Once they had it, VFS agreed to close the account and remove the 30 day late status on my credit report. They still have not removed and I am being charged a higher rate on a new loan because this lowered my credit score.I have also disputed this with all three credit bureaus and was just informed my dispute was denied.
Consumer complaint received 2020-05-13
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. (PA)

Experian is reporting interest that is occurring on a CLOSED account as late or missed payments. You can not miss payments on a closed account and balance increases due to interest are NOT new or missed payments. Its is severely affecting credit score. My open accounts have exceptional payment history. I have disputed these accounts and Experian says the information is accurate. My report is inaccurate and has information that does not align. Its says the account is paid and closed yet I'm missing payments on it every month. The debt is also 7 years and 2 months old. The report says paid and closed, so how can I have missed payments on a closed, paid account? Experian refuses to remove this account or to stop reporting late payments. I believe they are violating the FCRA by continuing to report these interest increases on this closed account as new missed payments.
Consumer complaint received 2020-10-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC (NY)

I previously had cellular phone service with XXXX XXXX XXXX in which I was a customer for 10 years and the problem began after I purchased a new cell phone on XX/XX/XXXX in their XXXX XXXX XXXX  store in XXXX XXXX NY. The purchase price was {$910.00} but I was given a trade in credit of {$200.00} which lowered the price to {$710.00} which were to be paid in installments on my monthly bill. I still have my original receipt verifying the purchase and trade in. When I received my first bill in XX/XX/XXXX, the price of the phone was changed to from {$710.00} to {$910.00} and subsequently remained that amount. I have contacted XXXX XXXX XXXX numerous times to try and correct it and they never did. Therefore, all of my monthly bills from XX/XX/XXXX to present have all been incorrect. I became extremely upset and frustrated with the company due to the issue not being resolved that I cancelled my service and switched to another provider in XX/XX/XXXX. I have made several attempts to have my final bill corrected but it still has not. Therefore, I am refusing to pay it until it is. Now, XXXX XXXX XXXX has sent the bill to Sequium Asset Solution Collection Agency and they put it on my Credit Reports. I want it removed from my Credit Report because I do not owe XXXX XXXX XXXX  {$910.00}. I spoke with the collection Agency on XX/XX/XXXX who offered to reduce the amount ; however, the reduction was not to my satisfaction. Then the representative made a conference call with XXXX XXXX XXXX and myself trying to get an accurate amount of my bills but could not because XXXX XXXX XXXX XXXX representative could not access my account from XX/XX/XXXX, she could only go back as far as XX/XX/XXXX.
Consumer complaint received 2020-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (GA)

on XX/XX/XXXX had credit limit of {$1700.00} and paid full amount and have {$0.00} balance and don't have Macys Credit card anymore. its paid and will like to remove please. reached out to company and still haven't removed from credit reporting agency 's. 

On XX/XX/XXXX had Credit limit of {$1700.00} on XXXX Credit card. Balance paid in full and nothing owed. Don't have credit card anymore and will like to have removed from credit report, disputed charge and still haven't been removed from credit reporting agency 's. 

On XX/XX/XXXX opened credit card with XXXX XXXX/XXXX   XXXX  and account is closed and paid of {$81.00}. Will like to have removed from credit reporting agency 's. disputed to have removed off account and still showing on credit. 

On XX/XX/XXXX got an auto loan with XXXX XXXX XXXX XXXX. Made last Payment on XX/XX/XXXX and no longer owe on my car and will like to have removed from credit reporting agency 's. reached out to company and still haven't been removed
Consumer complaint received 2020-10-07
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: PDQ Services, Inc. (GA)

On XX/XX/2016, PDQ Services, INC added a derogatory credit report per XXXX. Upon, further research, this account was transferred/sold and am I no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say that it belongs to me. According to the FCRA, PDQ Services , INC has violated my rights as a consumer, and I am requesting legal action to remove this account immediately.
Consumer complaint received 2020-10-07
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I sent an reinvestigation requests regarding my credit report over six weeks ago and I have not received any reply. I have will upload the actual reports of all the discrepancies showing of accounts being late and wrong information on my profile by way of certified mail. To date, my file as been placed in archive and am ignored by XXXX. I must assume that it is flagged as " suspicious ''. I am now updating here for help to update all these accounts " paid as agreed '' since they failed to send me the proof of how they were verified and also to remove the invalid employers from my files. Equifax just willfully violated my rights. I will escalate to small claims as a case if they keep fooling around. I had to call to fix my wrong names but they did not even acknowledge my certified letter.

BASED ON THE FCRA GUIDELINES, copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

EMPLOYER IS WRONGLY SHOWING- PLEASE DELETE  XXXX XXXX XXXX - - never received mail - provide proof of documents never being late -- wrong opened date and wrong limit XXXX XXXX never received mail - provide proof of documents never being late- - wrong opened date and wrong limit XXXX/XXXX  XXXX  XXXX - send proof- never late account tapered with due to lost stolen - provide me documents to show the proof- XXXX/XXXX  XXXX  XXXXend proof- never late account tapered with due to lost stolen - provide me documents to show the proof- XXXX XXXX XXXX XXXX, XXXX- Please delete this inquiry as I never worked or never had any business with them -  non authorized inquiry
Consumer complaint received 2020-10-13
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later, I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the wrong hands of the wrong person
Consumer complaint received 2020-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (DE)

Back in XXXX i filed a dispute on a late payment with XXXX. Experian disputed the credit card as not mine. XXXX closed my credit card because they thought it was open fraudulently. I called XXXX  XXXX and filled out a identity form confirming my identity with my driver 's license and ssn card. I also had the form notarized. XXXX told me they can't re open the card unless Experian contact them and tell them it was an error on their part. I contacted Experian and they promised to fix this and contact XXXX  so the account can be reopened. As of XXXX Experian still have not contacted XXXX XXXX and is now stating they cant help me.
Consumer complaint received 2020-10-07
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events. 
I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from them.
Consumer complaint received 2020-10-07
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CONTRACT RESOLVE GROUP LLC (NY)

Towards the end of XXXX I began receiving very harsh and disturbing comments from XXXX XXXX at Contract Resolve Group. He has called each week 2-3 times a week since XXXX. I asked him not to call in the beginning of XXXX. He was very rude and combative. He contacted my former partner about a debt I owed. I tried explaining to him that in addition to me owing the company XXXX XXXX XXXX monies they had not resolved a bill that they owed me which makes the amount that they recorded incorrect. He went off stating that they owe me nothing and claimed that I was irresponsible and I just didn't want to pay up what I owed. I asked XXXX not to call my phone again and he continuously calls and he also continues to call my former partner to give me messages. He has gone far enough leaving threatening messages that we have saved, he threaten to report me to the IRS, contact a lawyer to sue me, freeze my accounts, and report me to the XXXX XXXX XXXX. I hang up when he calls, he has called from many different numbers including restricted numbers. I have explained to him that I was uncomfortable discussing anything further with him therefore this was harassment. He continues to call. Please stop this abuse of Authority, he is annoying and very disrespectful.
Consumer complaint received 2020-09-30
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Santander Consumer USA Holdings Inc. (GA)

On XXXX XXXX, 2020, I received a court notice stating the plaintiff, XXXX XXXX XXXX XXXX XXXX of Santander, voluntarily dismissed the garnishment of my wages without prejudice. I then received another notice from the plaintiff on XX/XX/2020, that garnishment would resume. They failed to include the defendant 's claim form for me to formally reply to. I emailed Cooling and Winter on XXXX XXXX, 2020, and respectfully made them aware that I am seeking representation from the Attorney General 's office in regard to the class action lawsuit against Santander for fraudulent loans. I did not receive any response to my email, yet they have already started garnishing my wages yet again for a vehicle that was REPOSSESSED MORE THAN 10 YEARS AGO!
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have multiple inquiries within the past year that someone is applying for a car loan I did not authorize or in the market for getting a car loan. I recently contacted the credit bureaus in regards & was told that they can not be removed I have to wait 2 years for them to fall off my report Trans union 34 inquiries XXXX XXXX inquiries XXXX XXXX inquiries I have requested for old addresses be removed ignored as well as collection companies that fraudulent & they have been ignored I have called, wrote letters & nobody is doing anything they are reporting inaccurate information
Consumer complaint received 2020-10-07
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CrossCountry Mortgage LLC (MI)

I applied for 2 different mortgages from Cross Country Mortgage in XXXX of 2020. One for my primary residence and the other for my vacation home. The process was slow and arduous for both, but finally I closed on XX/XX/2020 on my primary home. As of XX/XX/2020 I still had not received a close date for my vacation home. Since I'd received no communication from my loan originator, XXXX XXXX, for weeks, I started looking for alternatives and found another loan at a much lower interest rate and fees. I reached out to XXXX with this information and asked for the status on my loan and if he would meet the other mortgage brokers 's commercial terms. 3 weeks went by with no feedback. At that time, I reached back out and told XXXX that I wanted a refund of the upfront fees that I paid. {$1100.00} for an appraisal and an HOA doc fee. These fees were never indicated as requiring to be paid upfront in my original loan disclosure or discussions. This came weeks after my loan was in process. I paid these fees in good faith that the loan would close, but never did. I was told by XXXX that he would refund only {$170.00} of the total since they actually overcharged be for a {$750.00} appraisal that only cost them {$570.00}. I have closed many, many mortgages over the past 30 years. This is the first time I was requested to pay any upfront fees. In addition, this was the absolutely worst mortgage experience of my life. Cross Country Mortgage and XXXX XXXX specifically mismanaged this process from day 1. There were constant delays, hand offs to new people, confusion about the status. I view their practices as fraudulent and am requesting assistance in getting my upfront fees reimbursed. By the way, the new loan I applied for on XXXX XXXX will be cleared to close by tomorrow.