davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Atlanticus Services Corporation (PA)

FORTIVA/XXXX  Account type - Credit card Date opened - XXXX XXXX, XXXX  Address FORTIVA/XXXX  XXXX XXXX XXXXXXXX XXXX, GA XXXX Above Account created under FORTIVA/XXXX  without my consent. It does not belong to me and should be deleted and removed from all three credit bureaus under my credit file immediately please. 
According to15 U.S. Code 1692j a person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that information is inaccurate.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MO)

I signed up with XXXX to correct items on my credit reports. On XX/XX/2024 I complied my dispute letters for experian, XXXX and XXXX I printed said letters off, hand signed my signature and social security number. I also included a copy of my drivers license. I listed several items to be addressed that are currently reporting incorrectly. On XX/XX/2024 I received an email from Experian stating they received my request, but it appeared to have not been sent by me, that I could file disputes directly with Experian online. 
I called Experian on XX/XX/2024 at XXXX. After going through the prompts I spoke with a man. I informed him that I received their letter, I that I did in fact send in the initial request. He stated that the request had been denied already that I have to go online and file the disputes. I stated that my initial request was typed, hand signed, had a copy of my driver 's license and my social security number and shouldn't have been denied. He then told me, '' okay, hold on. '' I was on hold for over 40 minutes. I said " hello? ", several times without a response. I ended the call in order to go to work.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

On XX/XX/2024 I looked at my report. I sent the letter to Experian on XX/XX/XXXX asking them to reinvestigate these accounts : XXXX XXXX, and here is my tracking number XXXX XX/XX/2024. They sent me the investigation and said these accounts are complete and accurate. 

I looked at my report and noticed everything is still the same According to 15 USC 1681I5. They are supposed to do this five treatments of inaccurate or unverifiable information ( A ) in general If, after any reinvestigation under paragraph one of any information disputed by a consumer and item of the information is found to be an inaccurate or incomplete, or can not be verified the consumer report shall ( i ) promptly delete the item of information from the file of the consumer or modify the item of information as appropriate based on the results of the reinvestigation, and ( iii ) promptly, notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681 eb they are supposed to insure this B accuracy of report whenever a consumer report agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. 

And according to 15, USC 1681S 2 this is supposed to happen ( A ) reporting information with actual knowledge of errors. A person shall furnish any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reported agency, if the person has been notified by the consumer at the address specified by the person for such notice that specific information is in accurate, and the information is in fact, inaccurate. 

Experian really did not open reinvestigation, they lied on an official document saying they did something they did not. I have the evidence to prove my case.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation (AL)

I have three hard inquiries need to be removed OneMain financial XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CarMax, Inc. (DE)

Dear Sir/Madam, I am writing to file a formal complaint against CarMax regarding their refusal to honor my opt-out request dated XX/XX/year>, in accordance with 15 USC 6802. 

On XX/XX/year>, I submitted a written opt-out request to CarMax, XXXX requesting that they cease sharing my nonpublic personal information with third parties & the consumer reporting agencies ; XXXX XXXX XXXX XXXX XXXX is my right under the provisions of 15 USC 6802. However, despite the clear and unambiguous nature of my request, CarMax has failed to comply with it. 

Despite my repeated attempts to follow up with CarMax regarding the status of my opt-out request, they have provided no indication that any action has been taken to honor my request. This non-compliance not only violates my rights under federal law but also undermines my ability to control the dissemination of my personal information. 

I have made diligent efforts to resolve this matter directly with CarMax, but their lack of responsiveness and disregard for my rights necessitates intervention from an appropriate regulatory authority. Therefore, I am seeking the assistance of the Consumer Financial Protection Bureau to ensure that CarMax complies with federal law and promptly honors my opt-out request. 

Enclosed with this letter are copies of all relevant correspondence, including the original opt-out request submitted to CarMax on XXXX XXXX XXXXXX/XX/year>, as well as any subsequent communications between myself and CarMax. 

I appreciate your attention to this matter and respectfully request that the Consumer Financial Protection Bureau investigate this complaint and take appropriate action to ensure CarMax 's compliance with the law. 

Thank you for your prompt attention to this important issue.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 2022-10-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc. (HI)

I want to get my money back from cash app and XXXX since this person XXXX XXXX from XXXX XXXX  scammed me in sending money to false accounts!!!!! He took about {$1100.00} from right so I had to close my bank account and open up a new one!!!!
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: AMERICAN HONDA FINANCE CORP (MA)

I submitted a payment on XX/XX/year> to American Honda Finance to avoid my account going into delinquency by XX/XX/XXXX and the payment was stated that it was successfully processed. It was only after they sent my payment confirmation to the credit bureaus, that they stated that they were not able to process my payment. There were funds in my account with proof that the funds were available and ready to be deducted. I have been making consistent payments without being late for over a year and a half. My credit score has taken a massive hit after rebuilding it, and should not be blamed for a clerical error conducted on the creditors end. As you can see attached, American Honda Finance ( Account # : XXXX ) did not inform me that they were attempting to take the funds out of a wrong account until the XXXX of XXXX XXXX After sending my information to the credit bureaus on the XXXX of XXXX. This company took more than 30 days to investigate this case. Initially removed the late payment from my report and added it once more without notification.
Consumer complaint received 2024-04-16
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. (NY)

I have diligently followed all the necessary procedures in disputing this account. I've reached out to the bank and they assured me the issue was resolved. I've also contacted law enforcement and provided a report and affidavit, which they confirmed as valid. Additionally, I've engaged with XXXX and XXXX, who complied with legal requirements and removed the account. However, Experian seems to be presenting obstacles, claiming I haven't completed all the necessary steps. 
Understanding the leniency towards banks and credit reporting agencies in legal matters, I'm hesitant to pursue a lawsuit. Despite repeatedly submitting my claim to Experian over six months, I remain stuck. Each time, I receive a dismissive response, alleging that the documents I've provided are inadequate. I urge the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate this case, as it appears Experian is failing to fulfill its legal obligation to process the identity theft report. 

I want to emphasize that I've reported the identity theft to a law enforcement agency, specifically Identitytheft.gov, which is a federal entity. I seek a resolution to this matter that adheres to proper procedures. The distress caused by this identity theft, coupled with the inability to access my credit, is severely impacting both my personal and professional life. I am overwhelmed and feel like I'm losing control. Please handle this matter with urgency. XXXX XXXX XXXX.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (PA)

AMERICAN EXPRESS Account type - Credit card Date opened - XXXX. XXXXXXXX XXXX  Address AMERICAN EXPRESS XXXX XXXX XXXX XXXX XXXX, TX XXXX Above Account created under AMERICAN EXPRESS without my consent. It does not belong to me and should be deleted and removed from all three credit bureaus under my credit file immediately please. 
According to15 U.S. Code 1692j a person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that information is inaccurate.
Consumer complaint received 2024-02-23
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P. (LA)

Over the last XXXX  years this company has contacted multiple of my family members and my previous employer and disclosed very sensitive private financial information about me. They told my family and employer how much money I owe and who I owe it to and then continued to harass them several times after that. I know of XXXX family members plus my old employer who has been contacted and told all about my debts. I do not appreciate this and I firmly believe this is defamation of character.
Consumer complaint received 2024-02-24
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: CMG MORTGAGE, INC (CA)

My experience with CMG mortgage was positive until I went through a divorce and filed for loan assumption. They took almost seven months to process my first file. During this time, the title company discovered that all liens with the same name as mine were filed under my name. I asked my lawyer to resolve the issue, but the representative, XXXX XXXX, closed the case claiming we did not respond, despite my lawyer 's constant communication with her. Now, I am being almost forced to sell my home by court with my XXXX kids, and I dont know what to do next. Despite calling them at least 50 times, and being told numerous times that someone would reach out to me, they never did. Dealing with them has been extremely challenging and unfriendly.
Consumer complaint received 2024-02-24
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (NV)

I want to start off by stating that I appreciate security in this day and age. Also that is isnt that I want or expect anything out of the ordinary. Initially, receiving a pre-approval for an American Express credit card was a moment of immense excitement for me. It represented not just a financial tool, but a lifeline during a challenging time. Everything started smoothly - I even requested additional cards without issue. The problems began when an alert for unusual activity was triggered due to my brother, an authorized user, linking his XXXX to the card. In an attempt to resolve this, I contacted customer service but unfortunately failed the authentication process. This was partly due to having the representative on mute as I was in a public place. Following this, I was directed to use XXXX for identity verification. Despite my comfort with technology, this process was fraught with difficulties, taking three days of back-and-forth communication and ultimately ending in another failure. The emotional toll of this experience has been overwhelming. My account is currently frozen, and I am faced with additional contingent steps. Despite the fact that my home address, listed on my driver 's license, matches all the cards ' addresses and there has been no unusual activity or transactions, the resolution seems distant. I understand the need for security measures, but the lack of flexibility and understanding in my situation is disheartening. I intend to fulfill my financial obligations and pay what I owe. However, it is crucial to highlight the emotional rollercoaster this process has been, especially for someone with limited credit history. My experience with American Express has been far from what I expected, and I believe it's important for potential customers, particularly those new to credit, to be aware of these potential challenges. I hope that this complaint will be taken seriously and that American Express will review and improve their customer verification processes and customer service approach.
Consumer complaint received 2024-04-16
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 recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2023-06-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Prince Parker & Associates (PA)

I am writing to file a formal complaint against Prince Parker and Associates regarding their actions that have violated my rights under federal laws, specifically the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I am seeking relief and monetary damages for the following violations : Unauthorized Collection Account and Inaccurate Reporting : Prince Parker and Associates has reported an account on my credit report that is not mine and is inaccurate. This fraudulent reporting has negatively impacted my creditworthiness and financial standing. I did not provide any permission for this account to be reported, nor was I notified that such reporting would occur. Obtaining Personal Information Without Consent : I discovered that Prince Parker and Associates obtained my personal information without my consent and opened an account in my name. This unauthorized access to my personal information is a violation of my privacy rights and raises serious concerns about their practices and compliance with federal laws. Failure to Verify and Validate Debt : Despite my request to Prince Parker and Associates to provide verification and validation of the alleged debt, they have failed to provide any supporting documentation or proof of the debt 's validity. This failure to comply with the FDCPA 's requirement to verify and validate the debt is a violation of my rights as a consumer.
Consumer complaint received 2024-04-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I've consistently maintained timely payments on this account, ensuring they're never overdue. I'm uncertain why there are late payment remarks on my accounts. Under 15 USC 1666b, billing errors should be rectified.
Consumer complaint received 2022-10-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (NY)

on XXXX XX/XX/XXXX my cash App account was accessed and {$1000.00} was sent from my account to another person 's cash app account. I then contacted cash app explained to them while the charge was still pending that it was in fact an error. cash app explained to me that they can not stop a transaction while its pending. that I would have to try to contact the recipient and ask them to cancel the transaction. unable to do so for several days I spoke back and forth between cash app representatives and supervisors. after unsuccessfully being able to resolve the matter the account status updated to complete. I then contacted cash app again and explained to them that the transaction is complete and if we can now work on refunding or reversing the transaction after several hours of countless transfers to different departments and representees. i was then informed that because it was completed, they could not do anything to reverse payment and that i would have to get XXXX with the bank on file that's link to the account where the funds were transferred from. I then did exactly what i was instructed to do and reached out to my bank who then investigated and refunded me my money from cash app. cash app then went back into my cash app account and over drafted my account for the {$1000.00} my bank disputed with them leaving my account XXXX already had a positive balance of over {$400.00} when they went into the account. i really need my money back. this company totally mishandled my case and have no protection for victims
Consumer complaint received 2024-02-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (CO)

I wrote four checks to tax authorities for my property tax and they were subsequently intercepted, the payees altered, and deposited at U.S. Bank National Association. The checks cleared my account and were deposited at U.S. Bank not the tax authority. The checks were written on my account at XXXX XXXX I did not look at the returned copy of the checks until six months later when i received a delinquent tax notice, past the time of thirty days that XXXXXXXX XXXX requires for unauthorized transactions. Even though XXXX security issued four fraudulent item affidavit statements, they stated they are not liable to reimburse me the funds. When I received the delinquent tax notice, I immediately contacted XXXX. I don't normally look at every check copy and assumed that either U.S. Bank or XXXXXXXX XXXX both had a duty to see that every check is correct and secure. I simply did not expect that fraud would occur. The check # XXXX, & XXXX for {$1200.00}, {$1900.00}, {$2700.00}, & {$2300.00}. XXXX XXXX  responded to CFPB, but nothing from U.S. Bank. Should not these Banks have to negotiate, and make me whole in spite of the thirty day requirement? The checks were all issued on XX/XX/23. and all paid on XX/XX/23. The four checks were verified fraudulent by XXXX, because they were clearly altered. I had to pay twice out of pocket these funds to the tax authority. XXXX stated in the response to CFPB that in the future if U.S. Bank forwards any funds to XXXX, they will be credited to my account. Which makes this complaint about U.S, Bank also. I do not know if there has been any negotiation between these two parties, and do not know if the fraudster has been apprehended. Thank You.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

My husband over paid our credit card with Bank of America back in XX/XX/XXXX. We requested a refund in XXXX XXXX they mailed out a check but it was intercepted and cashed by someone other than us. We requested help, and a new check to be issued and promised on 3 occasions that this would happen but 2 of the 3 times it was cancelled becasue they said after investigating they found a check was sent and cashed, which we finally found out with help of one of the bank associates. It was washed and re-written to a different bank. I have a copy of the check now. In the mean time of ALL this going on, Bank of America has reported me to XXXX and now my credit score has dropped and another credit card holder had lowered my credit limit with the explanation of " we are being proactive '' due to a negative report on your credit report. I have made over 25 calls along with multiple visit to the brick and mortar establishment and I am currently waiting for a 4th check that should be here by XX/XX/XXXX. Mind you only the 1st was ever really sent, the 2nd and 3rd were stopped/cancelled. I still have to deal with late charges and finance charges when and if the check really arrives, and repairing my credit to be back in the XXXX XXXX  again.