davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-12
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: Experian Information Solutions Inc. (TN)

I am filing this complaint because my credit reports show several unauthorized inquiries that I did not initiate or approve. These inquiries have appeared without my consent, and despite reaching out to the credit bureaus to have them removed, they remain on my reports. My disputes have been ignored or dismissed without proper investigation, leaving these inaccurate inquiries to negatively impact my XXXX XXXX. This situation is both alarming and unjust, as these inquiries are not a result of any actions Ive taken.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

XXXX XXXXXXXX This is a cease to exist order. These accounts must be removed immediately being that they are fraudulent and inaccurate. 

These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 


I have hired a lawyer and fraud speciiast to now look at my reorts. I have frozen every report on all 3 credit bureaus. Im really taking a hold of my credit now being that I see the power. These accounts are fraudulent and were unauthorized in my name. PLease remove these asap. 


XXXX XXXX {$370.00} XX/XX/XXXX XXXX {$520.00} XX/XX/XXXX XXXX XXXX XXXX {$1500.00} Date Opened XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I filed a dispute with Experian in XX/XX/XXXXXXXX  over an account owned by XXXX XXXX XXXX for a debt of {$1600.00}. The original creditor was XXXX XXXX XXXX. I had never heard of these entities before they appeared on my credit report. Never received a bill for that amount. On XX/XX/XXXX, Experian deleted the account from my credit report, per my request, and closed the dispute. On XX/XX/XXXX, I filed a dispute with Experian over the same amount, this time held by a collections agency named XXXX, XXXX XXXX XXXX. The original creditor, XXXX XXXX XXXX, has now been sold to an entity called XXXX. On XX/XX/XXXX, Experian verified that the information under dispute has been verified as accurate, however, I have never received correspondence about this debt. I have never even received a bill concerning this amount. This is the same {$1600.00} that had been removed from my credit report in XXXX  but has now been verified as accurate and has been on my report for two months, causing my credit to plunge from XXXX  to XXXX.
Consumer complaint received 2024-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY ()

I have a charge card from AMERICAN EXPRESS with a sanctioned limit of XXXX USD. With only XXXX limit used, AMERICAN EXPRESS suddenly stopped my service by suspending my card. Despite repeated appeals and regular payments of monthly instalments, they have not resumed the service but keep applying more interest and penalties. The limits are given to be used and consumed. And it is not a card where the outstanding charges have to be completed per month because they charge interest on the same. Hence this is a pure case of violation of fair practices and despite highlighting to the local and higher management, there is no resolution.
Consumer complaint received 2024-09-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (TN)

Commencing on or about XX/XX/2024, I fell victim to a multilayered scam operation orchestrated by ws-booking.com which involved me making deposits for a total amount of XXXX ETH from my Crypto.com account to fraudulent investment firm.
Consumer complaint received 2024-09-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (KS)

General Obligation : Commencing on or around XX/XX/year>, I fell victim to a multi-layered scam operation orchestrated by XXXX which involved me making deposits for a total amount of XXXX USD from my Crypto.com account to fraudulent investment firm ( s ).

When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether Crypto.com did not take notice of any rule, law, or
regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of Crypto.coms custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether Crypto.com promoted the transaction ( s ) in question despite being aware of the nature of the transaction ( s ) in question ( iv ) whether Crypto.com was in compliance with its own policies and procedures ; ( v ) whether Crypto.com owed duties to myself, what the scope of those duties was, and whether Crypto.com did not uphold those duties ; ( vi ) whether Crypto.coms conduct was unfair ; and ( vii ) whether Crypto.com has within its power the ability to, and should, compensate me for the harm that has befallen me.

Upon identification of such unusual or suspicious activity, it is crucial that the relevant staff member adequately describe the factors making an activity or transaction suspicious, thoroughly depict the extent and nature of this activity, and properly communicate to the customer that such activity meets the relevant criteria of fraud.
Consumer complaint received 2024-09-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (PA)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-08-30
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (NC)

First, I want to make the point that this complaint is not about the money, it's the idea that so many banks tack on small fees without consumers knowing what they are paying. In this case, I paid the entire balance of {$42.00} in XXXX by the due date. I had heard the interest rates were increasing from the already high rate so I decided I would pay off the account every month. I made no purchases in XXXX but when I got the XXXX statement there was a {$2.00} minimum interest charge. I thought it was a mistake ; I ignored the bill. When I received the XXXX statement it had increased to {$5.00} so I decided to contact customer service to see if the balance could be removed. It was difficult to use the website to resolve an account problem ; the customer service person was very nice but confused because she only knew how to handle merchandise issues. However, she took my information and honored my request to close the account. Comenity Bank followed up in XXXX with a confirmation that the account had been closed and a notice that I would continue to receive monthly billing statements. I had intended to contact cfpb much sooner but continued to procrastinate until the latest bill included a late fee and monthly interest charge. I am an elderly person, XXXX XXXX XXXX ; I still have all my faculties and obviously can use some technology but the idea of organizing and collecting the information for this report seemed onerous over the ensuing months so I admit to neglecting to submit this report. Today I paid the most recent bill of {$60.00} [ all interest and fees since XXXX ] and I want to be done with it but I fully expect to receive a {$2.00} bill next month. I have saved all statements but scanning and saving is not my forte. There doesn't seem to be a way to save and come back to this. Anyway, I'm sure the company has digital files.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I have identified some fraudulent problems with my XXXX account. 

Problem # XXXX XXXX XXXX notified me that the account ending in XXXX was replaced by the current new account number XXXX due to fraud. Duplicate reporting of balance error is being made on the credit bureaus end. The balance should only be reported with XXXX not also with ... .account ending in XXXX. 

Problem # XXXX XXXX errors : I should not have " name variations reported. '' I don't know where they are getting this information from. I have tried to dispute this but to no avail, the credit bureaus have ignored me. See attached DL below. 

See attached " XXXX XXXX at XXXX '' Problem # XXXX I am not tied to this business address. Regardless of my dispute request to correct this, I have been ignored. 

See attached " XXXX XXXX at XXXX '' Kind Regards, XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to file a formal complaint against this agency for consistently reporting inaccurate information on my credit report, despite my repeated efforts to dispute and rectify the errors. 

This blatant disregard for my rights under the Fair Credit Reporting Act ( FCRA ) has caused significant financial and emotional distress, and I kindly request your intervention to resolve this matter appropriately. 

I submitted a dispute regarding multiple inaccuracies on my credit report. According to the FCRA, the agency is obligated to conduct a reasonable investigation into the disputed information within 30 days. However, despite this requirement, They failed to conduct a proper investigation and instead verified the inaccurate information without providing any valid evidence. This violation of my FCRA rights has resulted in ongoing damage to my creditworthiness and has hindered my ability to secure favorable lending terms. 

I kindly request that the CFPB instruct this agency to conduct a thorough and reasonable investigation into the disputed information and provide me with a written response within the stipulated time frame. Additionally, I request that the inaccurate information be promptly removed from my credit report due to my rights being violated and sending multiple disputes in the past with no resolution.
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I am writing to lodge a formal complaint regarding a disputed account on my credit report, which is adversely affecting my credit history. The account in question is related to an auto loan with XXXX, and I strongly believe that they are inaccurately reporting a balance despite agreeing to a settlement. 

Account Information : Creditor Name : XXXX Details of Dispute : On XX/XX/2022, I entered into a settlement agreement with XXXX to resolve the outstanding balance on my auto loan. Per the terms of the settlement, I paid the agreed-upon settlement amount, which was accepted and acknowledged by XXXX as XXXX satisfaction of the debt owed. I have copies of all relevant documents, including the settlement agreement and proof of payment, for your reference. 

Despite the settlement and full payment made, I am dismayed to discover that XXXX continues to report a balance on this account. This reporting error is unjustifiably harming my credit score and affecting my ability to obtain credit and loans at reasonable terms. It is my understanding that once a settlement has been reached, the balance should reflect as {$0.00} on my credit reports, indicating that the debt has been fully resolved. 

Steps Taken to Resolve the Issue : I have attempted to resolve this matter with XXXX directly by contacting their customer service department on multiple occasions. However, my efforts have been met with unsatisfactory responses, delays, and lack of action. Despite providing evidence of the settlement, they have failed to correct the erroneous reporting on my credit file. 

Request for XXXX : I kindly request the Consumer Financial Protection Bureau to investigate this matter and intervene on my behalf. I ask that you ensure XXXX updates their reporting to accurately reflect the settled status of the account and show a balance of {$0.00}. Furthermore, I request that appropriate measures be taken to prevent such inaccuracies from recurring and negatively impacting other consumers. 

Thank you for your assistance in this matter.
Consumer complaint received 2024-10-26
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Can't contact lender or servicer — 
Company: CCF Intermediate Holdings LLC (IN)

Was told they was offering specials for playoffs and my ex girlfriend paid the balance and when I didn't get my title back I called the number wasn't working and they was out of business because of the illinois government shutting them down
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MicroBilt / PRBC (formerly CL Verify) (NY)

I am disputing the negative items in my credit profile. I dispute these claims and demand that any information be removed from reports immediately if it is inaccurate or misleading, as this will only harm me further! Upon review of my report, I noticed that several deviations from mandatory standards were present which will most likely affect the validity and accuracy of data in this document. These claims that the information in my report is negative, untrue or incorrect are unsubstantiated. To date I have not received any physical proof to back up these statements and eagerly await a reply from you.Document that you have complied with the reporting requirements, and report without any deviations. Please note that if you have not complied with the requirements, I will need to remove them from my report.
Consumer complaint received 2024-10-25
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Cascade Capital, LLC (CA)

In XXXX, I had an XXXX XXXX and due to massive XXXX I went to an ER. I had XXXX California at the time and did a basic ER visit because I was in XXXXXXXX XXXX  for XXXX. They checked my vitals, gave me a bucket to rinse my feet and prescribed me medicine. I did not get the medicine via them and instead took the basic information and went through XXXX. 

About a month later they sent me an ER bill for {$930.00}, an outrageous sum for a less than XXXX visit. They had no online services, refused to take in my info over the phone to contact XXXX. I ended up Faxing my information over. I heard nothing from them. I eventually switched to BlueShield via my employer 's health insurance, I even faxed that info over and no information was heard from XXXX XXXX XXXX. 

In XXXX of XXXX I became unemployed due to no fault of my own, living off XXXX XXXX insurance, and suddenly these people are demanding this " debt '' to be paid off. I had to dispute them off my collections via XXXX and now they somehow have acquired my new email address and are sending me letters via XXXX. I thought I successfully disputed that this item no longer belongs to me and is inaccurate to the services performed. I just had to go to XXXX XXXX XXXX for an ER visit, I was there for over XXXX hours and that bill is less than {$500.00}. 

I hate how they are bothering me. I played by their rules and they never contacted my insurance and my insurance always indicated that it shouldn't be an issue and because they weren't reaching out, their debt was inaccurate. I am currently acquiring health insurance via XXXX ( it would be an XXXX XXXX XXXX account in XXXX ) and I have no idea if even that coverage would assist me. They have ignored prior phone and fax information and have specifically told me they can never correspond over email. It's all extremely strange to me. 

I want them to stop bothering me, I have been unemployed since XX/XX/XXXX and don't have the means to acquire {$940.00} without going into massive debt on my credit card that I haven't already overspend in this unemployment period. I don't know what to do and I want these people to leave me alone. 

Their information : Original Creditor : XXXX XXXX XXXX XXXX XXXX Original Creditor Address : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Original Account Number : XXXX Patient XXXX : {$930.00} Location : XXXX XXXX XXXX Current XXXX XXXX CASCADE CAPITAL FUNDING , LLC Current Creditor Account Number : XXXX
Consumer complaint received 2020-01-02
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. (PA)

I have requested on numerous occasions to reinvestigate and verify the alleged account with XXXX XXXX XXXX XXXX my last attempt was on XX/XX/19. 

I requested to provide me the following : the name, address and telephone number of each person contacted regarding this alleged account. I also requested any formal documents bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Lastly, I requested their method of verification as any automated response or e-Oscar verification is unacceptable. Experian and XXXX failed to provide the requested information and refused to reinvestigate the dispute.
Consumer complaint received 2024-10-24
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: SYNCHRONY FINANCIAL (IN)

Dear Sir or Madam : I am a victim of identity theft or fraudulent activities. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. Given the circumstances, I believe that the following hard inquiries should be removed, blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

* SYNCB/Amazon ( bank ) XX/XX/XXXX * SYNCB/PayPal ( bank ) XX/XX/XXXX XXXX XXXX XXXX  ( bank ) XX/XX/XXXX * A copy of section 605B of the Fair Credit Reporting Act, which requires the blocking of the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply.
Consumer complaint received 2024-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (MA)

Since XX/XX/XXXX, I have requested assistance regarding my deceased mothers credit refund from her closed account through American Express Account Resolution Department.

There was no Estate created due to her having no tangible or financial assets. I provided all necessary documentation such as her death certificate and a signed certification form signed and sent to AMEX Company. Two times they printed a check in The Estate Of my mother after numerous times I explained and filled out all proper paperwork to resolve this. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, and XX/XX/XXXX are all dates that I have reached out to the account resolution department and yet they still havent responded accordingly. Its not about the {$74.00} rebate check, its about the principle of fact that a multi billion dollar company cant get their processing rebate checks done correctly.
Consumer complaint received 2024-10-24
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (GA)

The company has reported multiple months the account was charged off. They charged it off once but its reflecting multiple months it was charged off which is inaccurate. The company never notified me that the account was charged off and I did not receive the tax forms to report it to the IRS as income.
Consumer complaint received 2024-10-23
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Empower Finance, Inc. (NY)

On XX/XX/year> I had a failed payment to repay my loan. I submitted a secondary payment to cover the missed amount, but Empower still charged the original amount of " {$180.00} ''. So now instead of Empower receiving {$180.00} they now have {$370.00} of my money. Empower has refused to refund the overpayment of {$180.00}, but says I can borrow that money and repay it.
Consumer complaint received 2024-10-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA (TX)

I have asked the dealer to cancel the below additional accessories, in the contract it says it's cancellable but he is not cancelling and trying to fool me around for a month now and the interest will be charged for me as I have the payment to be made this month. 
Date of purchase : XXXX XX/XX/year>XXXX  Date of cancellation request - XXXX XX/XX/year>XXXX  1. XXXX XXXX  2. XXXX XXXX 3. XXXX XXXX 4. XXXX Which amounts to a total of additional {$5600.00}. 

My initial monthly payments were : {$300.00} without these accessories. After the addition of these it bumped to a whopping {$410.00}. 


I have gone through the contract and it clearly says it can be cancelled within 30days in the state of TX legally with written notice. 

Comppany responsible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX