davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-20
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: SOFI TECHNOLOGIES, INC. (FL)

- On XX/XX/XXXX, I received a text message on my phone from the number XXXX XXXX, the message offered a job offer at the company XXXX XXXX or XXXX XXXX XXXX, the sender identified herself as XXXX XXXX. He gave me the code XXXX to start an interview with XXXX XXXX through the XXXX  message application. 
- On XX/XX/XXXX, I contacted the user XXXX XXXX via XXXX, who identified himself in his profile with the name XXXX XXXX. After giving him the code, this person identified himself as a contracting XXXX for the company XXXX XXXX or XXXX XXXX XXXX. He gave me information about that company and the website XXXX. Then he gave me a job interview, all the time through text messages in the same XXXX application, at the end of the interview he told me that I was accepted for the position. 
XXXX XX/XX/XXXX, he then told me that he was going to provide me with funds to buy work tools and software. He asked me for personal information such as address, phone number, email and name. He emailed me the XXXX, XXXX, the job offer, and the company code and ethics. Send all those documents with real sensitive information of mine. 
- On XX/XX/XXXX, I received a check by XXXX XXXX  with an amount of XXXX XXXX, this came with origin id : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX UNITED STATES US. He asked me to redeem that check at my bank. Redeem the check at my SoFi bank using the mobile app. 
- On XX/XX/XXXX, the bank made the XXXX XXXX  available and withheld it for XXXX until the XXXX. After confirming that I had XXXX XXXX  available, they asked me to make two transfers of XXXX XXXX  via XXXX to the user, to the person XXXX XXXX with email XXXX, since I was not able to make the transfer, he asked me to use the XXXX option " send to a friend '' XXXX to the person XXXX XXXX with email XXXX. Make two transfers of XXXX each to that sofi user. 
- On XX/XX/XXXX, in the face of doubt and given the varied number of questions that I had asked about the company, which had not been answered, and the number of tasks that they had sent me to do, promising to pay for each of them. but I had not had a convincing answer for my work, I tried to cancel the transactions but it was too late, the check had already been withdrawn, and my account was at XXXX. When I contacted that person again by telegram and informed him about the withdrawal of the check, he did not respond further. I called the SoFi bank, explained what was happening and requested to cancel the transactions I had made but the request was not approved.
Consumer complaint received 2023-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SUNRISE CREDIT SERVICES, INC (IN)

In Accordance with the Fair Credit Reporting Act The list of Accounts below have violated my Federally protected consumer rights to Privacy and Confidentiality under 15 U.S.C 1681 Account # XXXX XXXX  XXXX XXXX XXXX : ( XXXX XXXX XXXX ) Amount {$1800.00} 15 U.S.C 1681 Section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer reporting containing any of the following items of information. Any other adverse item of information, other than records of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-22
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. (WI)

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX  XXXX ( Date Opened XX/XX/XXXX, Balance : {$0.00} ), XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$6300.00} ). Its been over XXXX days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2023-07-13
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: WLCC (CA)

Explore Credit illegally debited my bank account on XXXX three-times, totaling {$340.00}. At the time, I was traveling out of state and this caused significant inconvenience and declined transactions during my travel. Since XXXX, I have attempted to obtain a refund from Explore Credit. I have emailed consistently for updates on my refund, only to be informed that its been processed and will receive it within 3-5 days. Two weeks later, there has been no refund and I continue to get the run-around from them on the amount they are returning and when. They too informed me it was a glitch in their system, but I am very skeptical of this since they have not returned any of the funds. They stole this money from my account and clearly do not want to return it. These transactions were completely unauthorized and are in the process of getting legal representation. If Explore Credit can fund loans within 24-hours, there is no reason it should take two+ weeks to get a refund issued. I have multiple emails and records of Explore Credit admitting to the mistake, telling me a refund will be processed and asking me to be patient and simply wait. Of course, they cant tell me how long to wait since none of the representatives via phone or email will transfer me to a supervisor. 

In addition, Explore Credit charged me twice on XX/XX/23, also failing to provide any refund despite saying they would do so. Their responses have been deceiving, deceptive and blatantly false. I am filing complaints with all regulatory agencies.
Consumer complaint received 2023-07-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC (MD)

I contacted Westlake Financial around XXXX, to voluntarily repossessed my car. They agreed and contracted with a company to picked up the car. I was sent a letter within XXXX business days, informing me that car will be sold at XXXXuction on XXXXXXXX. I was told that after the auction is complete I was going to be informed if I am owed any money or entitled to any refund per law. Its almost XXXX weeks and nothing, yet they are still expecting me to pay {$1000.00} XXXX  month and still continues to harass me regarding miss payments even though I have expressed to them that I can not afford that type of payment anymore. I did reach out to customer service a XXXX ago, a representative expressed to me, saying stuff like ( " these things take time to resolve '' ). I did ask the representative to send me any documentation regarding the sale of the auction in writing and as of XXXX XXXXXXXX, I haven't received nothing from them. 

I really want to get this resolved as soon as possible, Westlake Financial can be reached at XXXX ) XXXX. Your help is greatly appreciated.
Consumer complaint received 2023-07-31
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. (FL)

I discovered that many accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous accounts that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-25
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: EQUIFAX, INC. (CA)

I sent a letter on XX/XX/23 to XXXX and Equifax to remove erroneous account that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-20
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: EQUIFAX, INC. (AR)

Im submitting a complaint to you today to inform you I was the victim of identity theft. My credit report contains a significant number of unauthorized requests, as well as erroneous reporting of Accounts and Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number XXXX XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (PA)

Equifax website sent me security code on XX/XX/XXXX. I signed up. I tried to log in today XX/XX/XXXX. Now I get " We are temporarily unable to complete this request. Please try again later. '' every time I try to log in. I tried several times, and the website never works.
Consumer complaint received 2023-01-25
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. (IL)

I sent Transunion multiple letters starting on XX/XX/2022. I was requesting the method they used to verify the bankruptcy they have listed on my credit report. They have refused to provide me with any documents of information they used to verify this alleged bankruptcy. I sent another letter in XX/XX/2022, disputing the item with proof from the United States Bankruptcy Court stating that they do not report any information to the credit bureaus and is not responsible for verifying or validating information from consumers ' credit files. I sent my last letter on XX/XX/2022, informing Transunion that if they can not provide such documents, this bankruptcy needs to be removed from my credit file as it is defaming my character. They responded again saying XXXX as XXXX '' without proof. It seems Transnsunion is not able to provide proof of this alleged bankruptcy. In this case, if they can not reveal how they truly verified this item then it needs to be deleted according to the FCRA. 

This item needs to be deleted from my credit report if it can not be verified within 30 days.
Consumer complaint received 2023-07-13
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

In XX/XX/2019 I received an alert about an incorrect late payment, right after I contacted the company XXXX XXXX and they investigated and corrected the issue sending the information to Experian and the other 2 credit bureaus. In addition, they sent me 3 different letters that I have submitted to Experian throughout the years after their confirmation to delete the late payment on my report. I have done multiple disputes and statements, and Experian has failed to delete the late fee on my report. Also, XXXX 's has contacted directly Experian and still they haven't deleted it from my report. Please help me to finish this once since for all, it seems they never follow through properly all my disputes.
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (TX)

I recently did an investigation on my consumer report which caused XXXX XXXXXXXX upon me and I found unverifiable, invalidated, inaccurate and questionable items that your agency didn't make sure was reporting 100 % correct and I did not give the credit reporting agencies written consent for these accounts to report to my consumer report pursuant 15 USC 1681b. Without my consent this is reporting fraudulently. The credit reporting agencies is committing FRAUD!!! Please remove these fraud accounts and fraud inquiries from my consumer report!
Consumer complaint received 2024-04-19
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

Dear Sir/Madam, I am writing to formally dispute the validity of the debt referenced ( XXXX ) currently being pursued by your agency. Upon review of your communications and actions regarding this debt, it has become apparent that you are in violation of several federal regulations, namely 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), and 15 USC 1681-S2 ( 7 ) ( A ).

According to 12 CFR 1006.34 ( b ) ( 5 ), debt collectors are prohibited from making false or misleading representations, including the false representation of the character, amount, or legal status of any debt. Your agency has failed to provide adequate documentation validating the debt in question, despite my previous requests for verification. This lack of verification raises serious concerns about the accuracy and validity of your claims.

Furthermore, 12 CFR 1006.34 ( c ) ( 4 ) ( i ) mandates that debt collectors must provide consumers with a validation notice containing specific info
rmation about the debt within five days of their initial communication. To date, I have not received any such validation notice from your agency, thereby violating this regulation.

Additionally, 12 CFR 1006.34 ( d ) requires debt collectors to cease collection activities until they have provided consumers with verification of the debt upon request. Despite my repeated requests for verification, your agency has continued its collection efforts without providing any substantiation of the debt 's validity.

Finally, under 15 USC 1681-S2 ( 7 ) ( A ), debt collectors are prohibited from using unfair or unconscionable means to collect or attempt to collect any debt. Your persistent attempts to collect on an unverified debt, coupled with your failure to comply with federal regulations regarding debt validation, constitute unfair and unconscionable practices. 
In light of these violations, I demand that you immediately cease all collection activities related to the aforementioned debt and remove any negative reporting from my credit file until such time as you can provide valid verification of the debt in accordance with federal law. 
Furthermore, I expect your agency to provide written confirmation that all collection efforts have ceased and that the debt will no longer be pursued until proper validation is provided. Failure to comply with these demands will leave me with no choice but to pursue legal action to enforce my rights under the law. 
Please consider this letter as formal notice of my dispute and request for validation of the debt. I expect a prompt and appropriate response within 30 days from the date of this letter. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-04-19
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (OH)

I just got some collection added to my consumer report without receiving any letter for me to challenge the debt, verify or validate the debt. They just went and add the collection to my consumer report. I am applied for a mortgage and I was not approved for the same reason.
Consumer complaint received 2023-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I'll never live at the following addresses this is all incorrectXXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX I'll not be employed by this employer : XXXX XXXX XXXX XXXX XXXX the following inquiries are unauthorized user : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (WV)

I purchased vanilla gift card with a balance of {$500.00} in XX/XX/XXXX. When I tried to use the card a few weeks later, it was declined. When I tried to check my balance online, it showed that around {$400.00} was spent on fraudulent charges. I immediately contacted customer service and put in a claim for fraudulent activity. I was eventually sent a new gift card but only for {$100.00}. I've tried contacting the gift card issuer customer support many times, and today XX/XX/XXXX, I was told that because their fraud team was unable to recover the {$400.00}, they wouldn't be issuing me a full refund for the fraudulent activity.
Consumer complaint received 2023-01-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc. (MT)

On XX/XX/2023 I received a notice of debt collection in the mail by AmSher on behalf of Charter Communications LLC for the amount of {$74.00}. 

I have contacted Charter on XXXX separate occasions where different representatives both confirmed I have no outstanding balance and that I am in good standing. I had asked for this confirmation in writing or an email to send to AmSher as verification, but was told it is against policy to release that written information about a closed account, as I no longer have a service contract with Charter. 

That being said, I have ( 2x ) verbal verification of good standing and that I do not owe them anything. AmSher 's information about the debt is incorrect, and they will not entertain that possibility unless I get written proof, which Charter by policy is unable to do. In explaining my predicament to Charter, they suggested that AmSher may be employing unfair collection tactics or attempting extortion. They have put me in an impossible middleman situation where I have no recourse.
Consumer complaint received 2023-07-12
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: Fidelity National Information Services, Inc. (FNIS) (CA)

I requested my Chexsystems report, as I was recently denied a new checking account - funny especially since I just turned XXXX! Anyway, JERKS called XXXX XXXX  XXXX and Chexsystems have wrong information all over my " report ''. Not only that, when I disputed items such as inquires dated WAY BEFORE my XXXX birthday, they claimed to have investigated however left all the bogus information on my reports. They think they are " all that '' and they are WRONG and deserve to be shut down..! Also you can not re-investigate a dispute because they will not allow it, claiming that they did their job and all items were verified. NOT TRUE and I have never heard of anyone getting away with half-baked reporting. I want everything reinvestigated and I want to see all correspondence that " proves '' that a XXXX XXXX XXXX, opened or tried to open checking account when they were XXXX XXXX XXXX ...! And I am NOT going to take time out of my life to file reports with Law Enforcement, that is not MY job - that is their job.
Consumer complaint received 2024-04-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (TN)

XXXX XXXX supposedly has a debt that I owe but I can't confirm this information. I do not recall owing XXXX XXXX anything. Jefferson Capital Systems added a collection to my credit report without providing written verification that I owe the debt as requested. At the current time this account is currently damaging my credit report and has not been validated. My next step with Jefferson Capital is an intent to litigate.
Consumer complaint received 2022-12-22
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. (NJ)

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify 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 need to be updated from erroneous reporting in my file. 

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