davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-12
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (AZ)

Credence Resource Management , LLC has kept calling and texting me to pay a debt for the amount of {$240.00} to XXXX XXXX XXXX. I never had XXXX XXXX XXXX until recently and am on a family plan that gets paid automatically every month. Before joining my family plan, I was with XXXX for years. 

I looked up Credence Resource Management , LLC on XXXX and they have 1.2 stars. Many reviews have been left by people who claim that this company opened an XXXX XXXX XXXX debt fraudulently and that they have reported them to the XXXX  and XXXX PD. 

I have already filed a dispute with XXXX XXXX
Consumer complaint received 2023-09-02
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-11
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (AR)

On XXXX this company was in receipt of a letter or request to rescind the agreement under the truth in lending act for failing to comply with the consumers request, misrepresentation, fraud, and breach of a legally unenforceable agreement with tracking number XXXX. This company continues to blatantly disregard the issues contained in the letter and breach a fiduciary duty. The agreement lacked consideration therefore making it legally unenforceable under Arkansas AMI 2402 Contract Formation, Arkansas Code 4-88-107 ) Engaging in any other unconscionable, false, or deceptive act or practice in business, commerce, ( this company was informed the credit extended or granted was provided by the consumer social security card or number, which was misrepresented on the agreement. This company is also engaging in unjust enrichment assessing interest fees on money, credit, that was never loaned due to fractional reserve lending preserved by all banks constituting all banks only create money and obligations. Therefore the consumer only pledged the legally unenforceable agreement and this company should be held liable for their actions.
Consumer complaint received 2024-04-12
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. (TX)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXXXXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXXXXXX XXXX  Date of Inquiry XX/XX/2023XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2XXXX XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX XXXX XXXX XXXX XX/XX/2023, XXXX XXXX, XXXX Date of Inquiry XX/XX/202XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2XXXX XXXX XXXX XXXX Inquiry XX/XX/2023, XXXX XXXX XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/202XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXXXXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/2023,
Consumer complaint received 2023-09-26
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: EQUIFAX, INC. (NY)

When I reviewed again my credit report, I discovered that some of the information was still erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX-XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX-XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-02-11
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: CCS Financial Services, Inc. (SC)

According to the Fair credit Reporting act several of my rights have been violated by this company as well as others under the 15 USC 1681g 15 USC 1681 ( a ) ( 4 ) I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I presume that no proof of alleged debt, nor therefore any such debt in fact therefore exist. 

Credit Collection Services File # XXXX XXXX XXXX Reporting inaccurate information on my report and this company couldnt provide wit the original creditor ( XXXX XXXX XXXX  ) original contract showing my signature. I also asked for the purchase agreement for this account along with the chain of title. I want to see the original signature that this company has showing I became a debtor agreeing to pay this debt. My consumer rights and privacy has been violated in so many ways by the major Credit bureaus debt collection companies
Consumer complaint received 2024-04-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (MI)

There was an employee at your company that requested new cards be sent to me that I did not request I did not ask I did not say anything to anyone about giving me new cards I was simply calling when I did call to ask where was the deposit that is usually in my account two days prior. Also I've talked to several if not six different employees it was not until I got to the last employee that actually wrote the report on the other employer that requested cards on my account. No one should be able to request cards on my account without my permission or acknowledgment. Now I don't get paid every week every two weeks I get paid biweekly that means I have to wait almost 3 weeks to get paid to turn around to not be able to get back and forth to work this affects me in so many ways I have bills that are automatically on pay to this account it affects my credit I can't feed myself I can't pay a bill I can't go to the ATM I do not have an XXXX so that virtual card is useless to me. I do not have XXXX XXXX or any other accounts connected to this app I don't even have a XXXX XXXX  so we're trying to reach my funds is useless.I called my employer to try to cancel the check but since it's already out there and have been out there in the clouds getting transferred to people 's accounts for the past 3-4 days I don't think that they're able to just cancel my account because it's already sent out to my account this is money that I need no not on the XXXX not on the XXXX not on the XXXX I need to be able to have and get access to my funds now those cards that were requested should be canceled it should be no reason why a person that has the account has the number to the account can not cancel the cards requested that was not requested on my behalf it is insane. This is illegal your employee requested cards on my behalf that I did not ask for I need my money now I need access to my account to my funds now the fact that I can not cancel this is a blight.
Consumer complaint received 2024-02-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Blitt and Gaines, P.C. (MO)

Blitt and Gaines -False misrepresentation under 15 USC 1692e ( 3 ) says the false representation or implication that any individual is an attorney or that any communication is from an attorney. Also I replied to a debt validation letter from this debt collector that is acting on behalf of an attorney for 2 XXXX XXXX accounts they are alleging that I owe but fail to provide their law license that Shows that they can practice law. When the letter originally was written to XXXX XXXX XXXX XXXX. Next was a lawsuit in my name by this office. In my letter I requested that they send me anything they have that is placing me to this alleged debt thats for XXXX XXXX XXXX XXXX in which they replied with some statements that they respond back in which this lawsuit only has my name and not the XXXX XXXX XXXX XXXX XXXX  that their letter was in. As far as the other account they sent me a letter stating they are trying to collect a debt and so I replied on XX/XX/XXXX and since I didnt want others in my business at the address on XX/XX/XXXX they sent the correspondence in the mail in which my address is hard to deal with and I didnt want others in my home in my affair but Blitt and Gaines violated my rights and ignored my request and still sent statements in the mail XX/XX/XXXX in which statements is evidence of an obligation but not evidence of an obligation to pay and now it has caused problems in my household so they violated my rights and neglected to communicate in the way I instructed them to causing problems at home, as well as stress, embarrassment, headaches, etc. This is my 4th complaint requesting for the general ledger statement signed and dated by the party responsible for maintaining the account. Pacific Concrete F.C.U v Kauanoe, 62 Haw. 334,614 P. 2d 936 ( 1980 ), GE Capital Hawaii , Inc. v. Yonenaka 25 P.3d 807, 96 Hawaii 32, ( Hawaii App 2001 ), Fooks v. Norwich Housing Authority 28 Conn. L. Rptr . 371, ( Conn. Super.2000 ), and Town of Brookfield v. Candlewood Shores Estates , Inc. 513 A.2d 1218, 201 Conn.I ( 1986 ). and Solon v. Godbole, 163 III. App. 3d 845, 114 III. Dec. 890,516 N. E.2d 1045 ( 3Dist. 1987 ). Also under UCC 9-201 ~I Request for accounting F.R.C.P. ( F.R.E. ) 1002.
Consumer complaint received 2024-02-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc (MD)

Between XX/XX/XXXX and XX/XX/XXXX, my card got lost and stolen and was used to make XXXX purchases. I had my bank card in my back pocket when I went out drinking with some friends and mustve dropped them when I pulled another item out of my pocket. A person took my cards and deposited {$980.00} with an addition {$170.00}. I didnt notice the amount of the times the person used my card until recently when I decided to scroll through all my transactions and noticed the amount of times my cards were charged. I no longer bank with the card where the money was transferred from so my only resort was to try to get my money back with chime. Filed a dispute after noticing the transactions on XX/XX/XXXX, and was denied even after I submitted documentation of me communicating with XXXX  whom confirmed I never had an account with them nor ever put a deposit under my name or social security. Chime has refused to provide to me information on what other kind of documentation they need that will support my dispute on the transaction. I will attach the police report I filed on XX/XX/XXXX
Consumer complaint received 2024-04-12
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: Experian Information Solutions Inc. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-02-02
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: DISCOVER BANK (NY)

I had two credit cards with Discover Financial Services. One card they decided to " verify '' my identity. I signed their waver for them to get whatever info they needed from the IRS. They then notify me on the XXXX of XXXX at XXXX XXXX. after they have closed, that they need more information because my address had changed since I filed my taxes. I called in on the XXXX ( which was a Sunday ) and they were closed. I called again on Monday and they told me that the XXXX was the last day to provide the information so my account will be closed. They THEN went on to close my other account I have had for 3 years which will RUIN my entire credit. I also never missed any payments on either card not even late on payments. I was not notified of this closure I had to find out when my card got declined. This is highly reckless and feels like it could just be a scam. The more I think about this situation the more I feel like this company is doing something extremely suspicious.
Consumer complaint received 2023-12-29
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: CCS Financial Services, Inc. (NJ)

Collection Account FOR XXXX IS SHOWING ON MY CREDIT REPORT FOR NO REASON ITS BEEN ALONG TIME DID NOT NEED AN INSURANCE POLICY I ASKEDD THEM TO REMOVE IT FROM MY ACCOUNT SINCE ITS NOT MINE THEY REFUSED AND REFUSED TO SEND ME ANY DETAIL ABOUT THE ACCOUNT JUST THEY WILL SEND IT TO THE ACCOUNT HOLDER ADDRESS
Consumer complaint received 2024-01-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account listed in document.

Please provide me with : 1. What the money you say I owe is for. 
XXXX. A detailed explanation of how you calculated what you say I owe. 
XXXX. Copies of any and all papers that prove I agreed to pay what you say I owe. 
XXXX. A verification or copy of any judgment, if applicable. 
XXXX. The identity, name, and address of the original creditor. 
XXXX. Proof that the Statute of Limitations has not expired on this account. 
XXXX. Proof that you are licensed to collect in my state. 
8. Your license numbers and Registered Agent or Agent of Service. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus ( XXXX, XXXX or TransUnion ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : 1. Violation of the Fair Credit Reporting Act 2. Violation of the Fair Debt Collection Practices Act 3. Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Consumer complaint received 2024-04-12
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. (CA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2023-09-02
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. (TX)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-02-13
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

Hi, My name is XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.
Consumer complaint received 2023-02-13
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: Experian Information Solutions Inc. (CA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$2600.00} ; XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance {$7400.00} ; XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance {$25000.00}.
Consumer complaint received 2023-09-15
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: FORD MOTOR CREDIT CO. (TX)

I received a subpoena from Ford Motor Credit attorney since the vehicle was repossessed. I contacted said attorney and came to a settlement agreement to which I have fulfilled thus far. Ford still continues to feport the full amount on my credit w/interest and does not show settlement or being paid. I contacted their attorney and they could not give me any additional information or take it off.