davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-29
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: EQUIFAX, INC. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX  XXXX Date Opened XX/XX/2017 Balance {$100.00}
Consumer complaint received 2023-12-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (CO)

This happened durung covid about XX/XX/2020. I has just deposited my unemployment back pay check of apx XXXX in my cash app acct and my account greyee out and closed. No info. Was given and i couldnt open a chat or do anything on the acct because it was all greyed out. So i qwnt to XXXX and searched caah app help and in the 1st poaition was caah app helpline XXXX so i called the numbw we and the guy said yea he cpuld help. Instructed me to push some things on my phone and i did and then all my money drained out and the guy hung up. I called bacl ans they calles me a XXXX XXXX  and humg up again. So i contacted cash app through the app and they said sorry too bad. Couldnt give me an explaination why they closes it i. The first place, and why they didnt stop it. I constantly has transactions qhere someone qpuls bw sendinf me monwy and thwy qpuls " block it for my protection* and i qould havw ro jump thepugh hoops ro get my monwy but a foriener depleting my closed acct. Didnt gwt their attention to stop that. How did they know how to get in the acct? How did rhwy get the first spot on XXXX? Why cpuldnt they reverse that transaction? They didbt give mw any answers.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Innovate Managed Holdings, LLC (TX)

INNOVATE LOAN SERVICE XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX, XXXX  XXXX Re : Acct # XXXX This complaint is regarding account # XXXX with Innovate Loan Service, which claims that I owe {$10000.00}, and account has been closed and charged off on XXXX. The company reported inaccuracies of the unknown condition in my credit file. Please terminate collection efforts on the debt and request the credit bureaus delete the tradeline for those inaccuracies per XXXX XXXX XXXX ( a ). 
This is also formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from this company or any company that they represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore, if they can not validate the debt, they must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that they submit, they are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against the company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). They are also in violation of the Privacy Act of 1974. Per FCRA, I am Federally a consumer and I am OPTING OUT of all authorizations, I the consumer have given them written, unwritten, verbal, nonverbal according to 15 USC 6802. My request is that the credit reporting bureaus remove from my credit file immediately.

Please Note : This notice is an attempt to correct the records, and any information received from them will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Consumer complaint received 2022-09-01
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. (CA)

In XX/XX/2022 I had written all 3 credit reporting bureaus because I had found some improper inaccuracies on my credit report and if they could please conduct a full review of my file. As of XX/XX/2022 and the completion of their reviews, pulling my credit report myself the inaccuracies are still present. XXXX # XXXX inaccuracies still present, ( dates inconsistent ). XXXX XXXX XXXX XXXXXXXX inaccuracies still present, ( dates inconsistent ). XXXX XXXX XXXX XXXX XXXXXXXX Inaccuracies found, ( condition of account inaccurate ). XXXX XXXX XXXXXXXX inaccuracies still present, ( reported dates, date opened unavailable ) XXXX XXXX XXXXXXXX inaccuracies still present, ( dates wrong ). XXXX XXXX # XXXX inaccuracies still present, ( dates inconsistent ). XXXXXXXX XXXX XXXX XXXX XXXX XXXX inaccuracies still present, ( pay status ) XXXX XXXX XXXX XXXX inaccuracies still present, ( pay status, condition inaccurate ) The fair credit reporting act states, If after any investigation under paragraph 1 of any information disputed by a consumer and item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency should, ( 1 ) 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 investigation.
Consumer complaint received 2022-02-15
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: EQUIFAX, INC. (MI)

This account continue to be a mystery to me, I do not have a financial obligation with this company. They have no verifiable proof. 
XXXX XXXX XXXX XXXX : {$500.00}
Consumer complaint received 2019-01-29
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. (TX)

In XX/XX/2018, I found a collection account on my credit report that must have been in error. The collection account original creditor was one that I had an on going and " paid as agreed '' account with. I spoke to several reps at both the original creditor 's ( XXXX XXXX - who advised me that my account was in good standing and was not in collection ) and XXXX ( collector - who could not " verify '' my personal information and said that due to that fact I would have to dispute it with the credit bureaus ) I have submitted two disputes with Experian and spoke to a rep there, who said I needed to call the collector and have them take it off my report. ( basically I am getting the run around. My credit report from Experian is still showing this collection account to be " debt included in personal receivership ''. Whatever that may be. After my disputes where " closed '' the account is still showing on my report. 

This collection account is not and has never been mine.
Consumer complaint received 2019-01-29
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, a fraudulent charge was processed at a XXXX XXXX ( for an iPad ) that my family has never been to in a town that is a considerable drive away. Upon noticing this, I started a fraud claim and was credited back as it was determined I did not make this purchase.

Today, XX/XX/XXXX, Chase called me to tell me that because the card had a chip, they would deny that it was a fraudulent charge and would be placing it back on my account. 

I explained to them that : 1. I work in security, chip cards can still be stolen, reproduced, and used ( it's called shimming ) 2. My wife and I do not own ANY XXXX products and have never had any intention of purchasing one. 
3. We were not in that town on that day or even in that month. 
4. They had produced no evidence that it was a legitimate charge. 

They have decided to not listen and have told me that they will be placing the amount back on my account and did not provide any way for me to appeal this decision.
Consumer complaint received 2019-01-29
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: JPMORGAN CHASE & CO. (GA)

The inquiry was made on XX/XX/2018. No loan was secured and no vehicle was purchased. A letter was written to try in have the inquiry removed.
Consumer complaint received 2019-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CO)

I tried to freeze my Experian Credit Report using the online form. I received a message stating I would have to send by USPS mail my information which included everything needed to steal my identity so I so not want to do this. When I called the customer service number I was asked my SSN which I do not want to give out over the phone. I repeatedly tried to get a human to talk with but then they disconnected my call. I have tried this several times. 

Is this legal? I should be able to talk with someone without giving out my SSN.
Consumer complaint received 2023-12-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (MD)

On or about XX/XX/2023, I reached out to CashApp regarding the reply that was sent to my bank XXXX XXXX regarding a dispute I submitted. On or about XX/XX/2023, I attempted to purchase a puppy on XXXX but was scammed out of approximately {$1300.00} via CashApp and {$850.00} via XXXX, my funds were intercepted by XXXX and the funds were returned. CashApp chose not to return my funds. My issue is the response that CashApp sent to XXXX XXXX regarding the dispute. CashApp stated that We have strong reason to believe that the cardholder fully authorized this transaction and is falsely disputing this transaction as 'fraudulent ' based on the following customer Information : .. As I stated in my response to CashApp and the supporting documentation ( attached ). I never stated that the transaction was fraudulent, from the very beginning I stated that I was scammed. 

On XX/XX/2023, I was informed by CashApp that the transactions would be investigated and I would receive a response. As of today, I have not received a response regarding the scammer 's accounts. These individuals continue to scam unsuspecting individuals on XXXX XXXX XXXX XXXX XXXX XXXX & XXXXXXXX XXXX XXXX ) and CashApp has failed to shut down the scammers accounts. I have the supporting documentation.
Consumer complaint received 2022-09-01
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. (NY)

MY NAME IS XXXX XXXX, AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. PLEASE SEE ATTACHED DOCUMENTS AND IDENTIFICATION AS IT CONTAINS MY FULL COMPLAINT AND REQUESTS.
Consumer complaint received 2023-08-05
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: EQUIFAX, INC. (GA)

XX/XX/2023 Equifax, Per the FCPA as a protected consumer I opted out of any and all authorization I the consumer may have given written, unwritten, verbal and non-verbal per 15 USC 6802-6805. Per 15 USC 1681 Effective immediately and indefinitely. All of my personal information must be cleared off my report. All versions of names except my only Name " XXXX XXXX ''. All other versions are in violation. There is only 1 address that is correct that should be on my Credit Report and that is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. ALL OTHER locations or addresses are UNMAILABLE, MUST BE REMOVED. There are CHARGE OFFS being reported on my credit report, per the IRS rules, all Charge Offs are considered Income and Income is NOT reportable on Credit Reports. 


XXXX XXXX XXXX - {$87.00} No Account Number listed, has violated my rights. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$140.00} No Account Number listed, has violated my rights. 


REMOVE ALL HARD AND SOFT INQUIRIES- XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/2023 There are multiple Hard Inquiries on my credit report that are NOT authorized, - XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2023 There are multiple Soft Inquiries that are NOT AUTHORIZED : Per the FCPA as a protected consumer I have opted out of any and all authorization I the consumer may have given written, unwritten, verbal and non-verbal per 15 USC 6802. Those hits on my credit are not authorized and must be removed. 16 CFR 433.2 & 313.7 - For all Accounts on my Credit Report that show payments to the account MUST be removed because it is ILLEGAL to report ANY transaction history on my consumer accounts to my credit report. I NEVER provided authorization for any institution to report my transactions. ALL current active accounts must be put to Paid as Agreed and remove all payment history, no payment history on any accounts can be shown.

REMOVE FRAUD STATEMENT OR PERSONAL STATEMENT Remove ALL EMPLOYMENT INFO
Consumer complaint received 2022-09-01
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: EQUIFAX, INC. (CA)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00}, XXXX  XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2019-01-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (OK)

A " Credence Resource Management Group ''  out of XXXX, TX identifying themselves as collection representatives of XXXX XXXX XXXX have been calling me ( from telephone numbers XXXX and XXXX ) non-stop harassing me for a week on my cellphone without my permission since having had a fraudulent debt removed from my credit on XX/XX/XXXX for a second occasion per the three credit bureaus. On the first occasion this entity appeared on my credit there was a reflected dollar amount of {$740.00} erroneously showing outstanding where the amount was successfully disputed per me on XX/XX/XXXX and subsequently deleted per the three credit bureaus on XX/XX/XXXX. " XXXX XXXX XXXX XXXX '' then on sometime several months later fraudulently and illegally re-reported the same debt as a new account with a slight variant of the balance at {$720.00}. On XX/XX/XXXX this same debt was, again, removed from my credit per the three credit bureaus. This entity has been calling me non-stop on my cell phone without my permission illegally harassing me since then.
Consumer complaint received 2022-09-01
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. (FL)

A Method of Verification Letter was sent and received by Experian on XX/XX/22. In my letter, I sent Experian a notice received from The Bankruptcy Clerk certifying that they " Do not report filings to credit agencies ''. This letter is attached to this complaint. Experian has on several on occasions admitted that even though the courts do not report bankruptcy records, CRA 's may use " XXXX XXXX '' to obtain such information from PACER. In this case, the data furnisher is XXXX XXXX. I have obtained an updated consumer report from XXXX XXXX which clearly shows no bankruptcy record on file ( Please see full report attached ). According to XXXX XXXX, Experian could be using unverified and incomplete data from PACER to update and verify this record. However, PACER is a contestable database which does not qualify as a source to " Verify the Accuracy and Completeness '' of a record. In it's final results of my last investigation, Experian has stated that the company providing the information to them has certified the accuracy of this record. The dispute number is XXXX. Experian has not provided me the name and address of the company it claims has certified this record 's completeness and accuracy and therefore has violated FCRA 611 ( a ) ( 7 ) and FCRA 611 ( a ) ( 2 ) ( B ). Experian continues to report this unverified record on my consumer report causing financial damages. I am demanding the removal this record from my consumer report immediately. All personal identification information was sent in this dispute, therefore this can not be used as deterrence tactic. On XX/XX/22 Experian responded to a complaint and request to send me " The Method of Verification ''. Experian has provided false information in their response by stating that they have sent me the requested information regarding my dispute. Experian sends generic responses such as " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' I have already proven that the courts does not report to Experian and therefore, this record is contestable. I have already proven XXXX XXXX Experian 's XXXX XXXX is not reporting any bankruptcy on my consumer report. I am now demanding Experian send me supporting documentation from the courts or data furnisher in which it claims has updated them on their accuracy and completeness of this record. Experian is now accusing me of using a credit report agency which false. This will be my final attempt via CFPB to resolve this matter. Experian will be required to provide in discovery all supporting documentations and procedures used in this dispute.
Consumer complaint received 2022-08-29
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. (MO)

By the provisions of the Fair Credit Reporting Act, I am submitting this CFPB complaint myself to request that the following items which I believe appearing to be inaccurate and incomplete be immediately investigated and removed on my credit file. When I reviewed my credit report, I discovered that some of the information was 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 need to investigate and correct from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXXXXXX ACCT XXXXXXXX Balance XXXX : {$0.00XXXX XXXX XXXX Bankruptcy  Reference # : XXXX Date Filed/Reported : XX/XX/2020 U.S. Bankruptcy Court
Consumer complaint received 2022-09-01
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: Experian Information Solutions Inc. (TX)

After reviewing my credit report I noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3. XXXX assumed this role without permission not only that They did not have my consent. They did not respect my right to privacy which is under 15 USC 1681 a number 4. They did not exercise your grave responsibility, they were unfair, they were partial. They never had a permissible purpose Under 1681 b number 2, I never instructed them to furnish a report and I never consented to the report in the first place.
Consumer complaint received 2019-02-04
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The issue I am having is that there are late payments showing on all 3 credit reports which are holding back my credit score. I had received retro forbearance that covered the late payments AND paid the fees to do so. I have a statement showing those fees being paid. After numerous requests to correct those issues, correct the spelling of my name, or to just remove the account. I have received no resolution to my problems. The response comes back as verified accurate even though they will not provide me with any proof from the investigation. I have filled disputes online with all 3 bureaus. The account is paid in full and closed yet I can't get any help with corrections. The student loan is with XXXX who are impossible to deal with and I have had the worst experience dealing with them.
Consumer complaint received 2019-01-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

Shellpoint claims a check was issued and sent to the Tax Collector to pay for property taxes. Said check was never received by the Tax Collector and I had to pay for property taxes out of my pocket to avoid late payment fees. Bank is unable to track payment, refuses to provide proof of payment and credit my escrow account. I requested escrow account to be closed several times but haven't been able to get a response from the bank. I proceeded to send payment for principal and interest only, now the bank is threatening to report me to credit agencies for late payment.