davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CARTER-JONES COLLECTION SERVICE, INC (OR)

XXXX XXXX XXXX XXXX wrongfully charged me for propane that I returned in the tank they removed from my property. This was their tank and I cancelled service due to their price gouging for propane. They left the tank on my property for almost 2 months once service was cancelled. They charged me {$150.00} for removing their tank from our property. The tank was more than 1/2 full when they removed and they refused to provide the proper credit to my account. I have requested they show me in the contract we signed that states that they can charge to remove their tank from our property and they have refused to provide that proof. We told them since they had refused to remove our tank in a timely manner that we were charging a storage fee of {$20.00} per day and there was over {$400.00} in storage fees that they owe us. In addition, they never picked up all of their property from our home. XXXX XXXX is the collection company and they have refuse to ever provide us with any of the documents we have requested. It has been years since XXXX XXXX has sent us any thing. They continue to charge us interest on a bill we feel that we do not owe. Time frame when tank was removed was approximately 5 years ago
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (PA)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : requested! 
XXXX XXXX Account number : XXXX Reinvestigate the completeness of every piece of information and if its not accurate, please remove it from my credit report XXXX XXXX Account number : XXXX Reinvestigate the completeness of every piece of information and if its not accurate, please remove it from my credit report XXXX & XXXX Account number : XXXX I am not liable for this debt with XXXX, I do not have a contract with XXXX XXXX XXXX, please remove it from my credit report XXXX XXXX Account number : XXXX I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX, I do not have a contract with XXXX XXXX, please remove it from my credit report XXXX XXXX Account XXXX I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX, I do not have a contract with XXXX XXXX, please remove it from my credit report. 
XXXX XXXX XXXX XXXX I am not liable for this debt with XXXX I do not have a contract with XXXX XXXX XXXX, please remove it from my credit report
Consumer complaint received 2024-05-20
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. (FL)

I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiries made by the company.. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am lodging this complaint personally. After examining my credit report, I found instances of late payments. Despite sending inquiries over 30 days ago, I have not received a response nor satisfactory validation. I respectfully seek your assistance in rectifying this issue.
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2019-06-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CIT BANK, NATIONAL ASSOCIATION (CA)

I have long ago paid off the this mortgage to XXXX, which One West Bank acquired in XXXX. The mortgage was paid off as of XX/XX/XXXX. I have an official original letter dated XX/XX/XXXX from company on their One West Bank letterhead from One West Bank customer service representative XXXX XXXX acknowledging mortgage paid in full as of that date. The amount acknowledged as paid off in full was approximately {$290000.00}. In XXXX One West was acquired by Cit Group but still operates as One West Bank. 

per title research company XXXX XXXX XXXX the company ( XXXX/OneWest Bank ) did not submit paperwork filing as required with the XXXX  XXXX  Dept of Finance City Register to provide notification record of the fact that the loan was paid in full. 

Now property in question is in escrow for me selling but is held up and the sale in jeopardy because this confirmation of mortgage payoff was not submitted to XXXX  XXXX Department of Finance City Register by the company. 

My property sale is jeopardized due to this matter. I have reached out to the company any every way I can think of to get them to resolve this matter. To date the matter has not been resolved and I have been unable to contact a person or department to deal with and fix this problem I have called four calls to customer service number ; XXXX XXXX XXXX XXXX ( XX/XX/XXXX and XX/XX/XXXX ) where I spoke with representative XXXX and Manager XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX where I spoke with XXXX. I sent an email to XXXX on XX/XX/XXXX, ticket number XXXX. I even went in person to the company 's XXXX CA head office on XX/XX/XXXX where I was abruptly dismissed by the receptionist saying, " this has nothing to do with OneWest Bank. '' No action has been offered or taken by the company to resolve this matter
Consumer complaint received 2024-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-20
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)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I was going back-and-forth with XXXX XXXX credit card services on them reporting that my account was late, but my account was compromised due to fraud and authorized payments were used. So due to fraud, they sent me a letter saying that my account was never late, but the credit bureau will not change that.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NH)

I am writing to formally dispute the reappearance of an item that was previously deleted from my credit report. The item in question pertains to XXXX XXXX accounts # XXXX and # XXXX This item was deleted from my credit report on XX/XX/year> after a successful dispute. However, upon reviewing my recent credit report dated XX/XX/year>, I have noticed that the item has been reinserted. 

As per the Fair Credit Reporting Act ( FCRA ), specifically under Section 611, the credit bureau is required to notify the consumer within five business days of re-reporting a previously deleted item. I have not received any notification regarding the reinsertion of this item. Therefore, I am requesting the immediate re-deletion of this item from my credit report. 

For your reference, I have included copies of the following documents : XXXX. The response letter from XXXX confirming the deletion of the items dated XX/XX/year> XXXX. The response letter from XXXX XXXX  confirming the deletion of the items dated XX/XX/year> XXXX. A copy of my recent credit report showing the reinserted item dated XX/XX/year> Please conduct a thorough investigation and provide written confirmation of the actions taken regarding this dispute. Additionally, I request that you provide a copy of my updated credit report reflecting the removal of this incorrect information. 

I appreciate your prompt attention to this matter and look forward to your response. 

Sincerely,
Consumer complaint received 2022-11-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (CA)

My complaint is with Cash App, I had 2 accounts with them that I used for different reasons, On XX/XX/XXXX for no apparent reason they closed both of my accounts, I sent them so many text messages and have gotten no reason as to why they would do that. I have asked them over and over and explain to me why, and today is XX/XX/XXXX, and I still have not gotten a legitimate answer.
Consumer complaint received 2022-11-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (VA)

My name is XXXX XXXX and I was scammed out of {$990.00} on XX/XX/XXXX by cash App or square as the merchant through my XXXX XXXX XXXX in XXXX Ga.. I spoke with their fraud dept. while the transaction occurred. They told me 4 prior transactions were attempted. I have since contacted FBI and NCAU and to no avail they credited my account on XX/XX/XXXX and on XX/XX/XXXX they recanted their MONEY FROM MY ACCOUNT and told me if they give me my money back, they will close my bank account that I have hade over 23 years. They show no concern or loyalty for your money or customers. Is XXXXXXXX XXXX XXXX XXXX for real with their headliners. I will be forwarding a copy of this email to my local and national syndicates for XXXX and XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. If I don't get a response within 72 hours of this sent doc. I didn't receive the respond. I still want my money back and my credit union was no help
Consumer complaint received 2022-11-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc. (MN)

I have a situation where I was promised {$10000.00} by a XXXX trader on XXXX if I invested money on a website and later on they would double it for me but as the trader continued to send more money I was left at a point where I didnt want to so I decided to ask for my money back which was {$3800.00} and at that point the trader refused and continued to state that the only way I can get my money is if I send more so Im left at a point where I dont know what to do, I have further details about my situation attached in the documents I attached.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.
Consumer complaint received 2019-06-18
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. (CA)

i have requested that Transunion send me written verification by properly investigation items that i disputed previously. they have failed to send me the contract bearing my signature which gives them the right to post information on my credit file. I disputed items with them several times and requested proof. 

after they sent a letter that they did an investigation I then requested the method of verification and they have failed to do so. they continue to send generic letters stating that they verified the information which is not true ... they did no investigation. they went to the furnishers and the furnisher that are paying them said to them that the information was verified. 

THEY HAVE NOT SENT ME WRITTEN VERIFICATION Section ( 609 ) of the Fair Credit Reporting Act is a Consumers Disclosure section which is to provide for the protection of consumers against false and erroneous reporting. This section of the FCRA places the burden upon the Credit Bureaus and the Creditor to prove an account is yours. To positively prove an account is yours, the creditor must provide the Credit Bureau a copy of the original creditors documentation ( whatever a person filled out and signed upon opening the account with the reporting creditor ).

The FCRA was enacted by Congress to protect consumers from unverifiable accounts and information from being reported on your credit report. Example : If you filed a suit against someone and you showed up in court with no proof against that person, what would the judge do throw the case out of court! Without documentation. 

They are being paid to post items without any written verification and that is against the law.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

ACCORDANCE WITH XXXX ( XXXX ) I DIDNT GIVE WRITTEN CONSENT TO HAVE THIS FRAUDULENT ACCOUNT XXXX # XXXX TO BE FURNISHED ON MY XXXX TRANSUNION XXXX I HAVE KNOW XXXX XXXX THIS ACCOUNT I HAVE FILED A POLICE REPORT OF FRAUD. PLEASE DELETE PROMPTLY THANK YOU SIRS/MAAM ACCORDANCE WITH XXXX XXXX XXXX XXXX XXXX ) I DIDNT GIVE WRITTEN CONSENT TO HAVE THESE FRAUDLENT ADDRESSES NAMES ACCOUNTS TO BE FURNISHED ON MY TRANSUNION XXXX XXXX XXXX XXXX THE READ : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, TELEPHONE # XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, XXXX, XXXX, XXXX, XXXX XXXX XXXX PLEASE DELLETE THESE IMMEDIATELY I HAVE KNOW KNOWLEDGE OF THIS FRAUD! 
I am willing to prosecute.
Consumer complaint received 2022-10-26
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. (WI)

Month of XX/XX/2022 disputed bankruptcy case and was not given proper investigative report in regards to the proper procedure of investigation in the decision making of verification and who reported bankruptcy was just told the court reported, After a written lettter to the United States Bankruptcy XXXX XXXX XXXX XXXX XXXX Wisconsin XXXX XXXX XXXX clerk XXXX XXXX  XXXX in which I requested information regarding the court process or procedure for reporting information to credit agencies. I was made aware by XXXX XXXX XXXX. That the court for the XXXX XXXX of Wisconsin does not report to any credit agencies.
Consumer complaint received 2024-07-03
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. (LA)

I did not consent to, or authorize nor benefit from any of the following inquiries. XXXX and remove it. 
XX/XX/XXXX Date of Inquiry XX/XX/year>, XX/XX/XXXXDate of Inquiry XX/XX/year>, XX/XX/XXXX Date of Inquiry XX/XX/year>XX/XX/XXXX Date of Inquiry XX/XX/year>, XX/XX/XXXX Date of Inquiry XX/XX/year>, XXXXXX/XX/XXXX Date of Inquiry XX/XX/year>, XX/XX/XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year> XX/XX/XXXX Date of Inquiry XX/XX/year>