davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-02
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)

Despite numerous disputes to the XXXX, Experian and XXXX   consumer reporting agencies, these companies continue to report a fraudulent XXXX XXXX account under account number XXXX. Not only have I forwarded copies of my driver license and FTC Affidavit, I have forwarded a verified police report. Each of these companies have refused to investigate and block reporting of said account.
Consumer complaint received 2024-04-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (FL)

I requested a refund from cash app because I was beat nearly to death and had my phone stolen so therefore all my personal Information was compromised. The suspect sent money to an unknown person and kept trying even after my linked account was emptied out. I would not do that knowing its emptied out. I asked for a XXXX time refund or all my transactions to the person.
Consumer complaint received 2022-07-07
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: SAN DIEGO COUNTY CREDIT UNION (CA)

This has been a consistent problem XXXX checking account where fees are being charged regardless of the chronological order of transactions or the balance. I called a representative of the bank and inquired today about what charge caused the NSF fee and she said she did not know when I asked how could that be? the response was " You were charged an NSF fee with a chuckle " even though I asked for an accounting of my account. I feel powerless and like I am being profiled. Please look into this I work very hard for my money and this is ridiculous. 

XXXX XXXX XXXX  - XXXX transactions PreAuthorization XXXX  XXXX XXXX  Transaction in Process ( Pending ) {$8.00} XXXX Check Hold ( Pending ) {$75.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX - {$25.00} XX/XX/XXXX {$83.00} Transfer fee - {$5.00} XX/XX/XXXX {$100.00} From XXXX  XXXX {$16.00} XX/XX/XXXX {$110.00} NSF ACH Not Paid XXXX - {$32.00} XX/XX/XXXX {$96.00} Acorns Invest ID XXXX XXXX XXXX XXXX XXXX XXXX NAME : XXXX XXXX- {$100.00} XX/XX/XXXX {$120.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$19.00} XX/XX/XXXX {$220.00} # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$100.00} XX/XX/XXXX {$240.00} XXXX XXXX XXXXXXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX - {$6.00} XX/XX/XXXX {$140.00}
Consumer complaint received 2022-07-07
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. (CA)

I sent my letter off on XX/XX/2022. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. Also, I have attached the letter I sent out, and here is the Tracking # - XXXX According to the FRCA The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts is still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681, everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

Accounts : XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXXAccount # XXXX XXXXAccount # XXXX
Consumer complaint received 2022-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2017-06-02
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: Nelnet, Inc. (CA)

In   XXXX  2013   , I began contacting  NelNet to learn more about the pros/cons of requesting a forbearance. When I decided it was right for me, I requested to put the forbearance in place. At the time, I had auto pay setup also to ensure that my payments were not late. NelNet either switched auto-pay systems or upgraded, I do not  recall. I do recall inquiring about it with a customer service rep that informed me that my details would transfer over, no need to worry. Months later, I recall receiving mailings and calls offering student loan payment assistance. However, every t ime I called NelNet, the cust omer service rep would tell me that my balance was  XXXX . I received another round of calls/mailings offering assistance, called  NelNet " balance   XXXX   ''. Several times, I did this. I suspected that  the calls/mailings were some type of identity theft issue, like the kind  XXXX   XXXX  and   XXXX   XXXX   XXXX   previously contacted me about in relation to my cards with those respective companies. By the time we got to the point where I was told the customer service reps were 'looking at the wrong screen ', damage to my credit had already been reported ; however,  NelNet sent me an approval letter for my forbearance request covering the exact timeframe they reported adverse payment details to the credit bureaus.   < P/>
I was so exhausted dealing with NelNet, and in disbelief that they would not correct/reverse the erroneous report { to the credit bureaus }, I did not know what to do.   I did  not know who to contact for help, how to get help, or if anything could be done. Until I looked into the CFPB last year. I thought too much time had passed to fix it, although it bothers me that this is the only blemish on my credit. All other  XXXX  accounts, of various types, over 20+ years no late payments! Please help me fix this error. Over   XXXX   XXXX  , I was clearing out a box of documents to shred and came across the forbearance approval letter from NelNet. Once again, I am hoping to correct this error to ensure that my credit score is updated to accurately reflect my character and to demonstrate the seriousness and responsibility I apply to paying all of my obligations on time and in f ull.
Consumer complaint received 2021-04-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (GA)

MDS/MRS has failed to provide proper SIGNATURE VALIDATION of debt. I sent Medical Revenue service a letter on XX/XX/21 to prove I owed debt on acct # XXXX, XXXX. Asking for my signature of payment agreement to debt. They sent me a form for " Coordination of benefit WORKSHEET '' with a signature at the bottom & a " Consent to contact '' signed form. ( I attached both forms ) these two forms are not proof of validation of payment agreement for these 4 debt accounts. This is a false and misleading representation. I asked for validation/not verification on XX/XX/21 and MRS has past their deadline to Validate this debt with a signed payment agreement from me. This is a FDCPA 15 USC 1692k violation with a {$1000.00}. Pay out to me. These accounts must be removed from my credit report immediately. This is considered fraud and I will report to my state and the state of Florida attorney general if this is not removed immediately off my credit report.
Consumer complaint received 2023-11-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: ALLY FINANCIAL INC. (OH)

A car was purchased in my name and the loan company was ally financial. I have made several called to ally financial and reported the fraud and they are now ruining my credit and life refusing to take the account out of my name for an XXXX dollar car. Ally finical told me to let the car be repossessed or trade it in and I will be responsible for the remainder.
Consumer complaint received 2022-12-15
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. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Consumer complaint received 2024-04-02
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: Bread Financial Holdings, Inc. (TN)

XX/XX/year>, I filed a complaint with the CFPB concerning an account furnished by COMENITY BANK. This company was notified per CFPB Complaint ID XXXX that the accounts associated with them is being reported incompletely. The accounts are missing payment history information and in the place of those missing payment records, there are notations of ( ND ) " No Data ''. Per the Fair Credit Reporting Act accounts that are incomplete or can not be verified must be modified or removed from my consumer reports per 15 USC 1681i ( 5 ) ( a ) ( i ). I have already provided per the initial complaint my consumer disclosure report that is showing blatant missing payment history info. This company had been put on notice and they are now in violation of 15 USC 1681s-2 ( a ) ( 1 ) ( a ). I don't care who owns this account, it is still being reported directly from COMENITY BANK because they are still required to report the account as charged off. If they are still required to report the account as charged off, they are still fully responsible for the accuracy in the way it is being reported. FCRA still applies to you while it is still on my report. This account is hereby disputed for verifying an incomplete account. delete the accounts that you are reporting on my consumer report.
Consumer complaint received 2022-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-07-07
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)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) # XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX )XXXX XXXX  XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX has violated my rights. 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 a account without my written instructions has violated my rights. 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 a account without my written instructions.
Consumer complaint received 2019-08-02
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. (NJ)

Not enough information to verify debt : In XX/XX/XXXX, XX/XX/XXXXand XX/XX/2019 I requested an investigation be conducted by the credit bureaus of an alleged debt owed by me. Account # XXXX in the amount of {$810.00}. A proper investigation according to the FAIR CREDIT REPORTING ACT section 609 ( a ) ( 1 ) ( A ) requires verification through the PHYSICAL verification of an original signed consumer contract and not an Electronic or XXXX   verification under which a lot of investigations are being conducted. This software has limitations when it comes to conducting a proper investigation of records. To which I have recieved verified as accurate without recieving the documentation that I have requested which I am entitled to by law.
Consumer complaint received 2017-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I received a promotion from USAA to lower my interest rate for a period of time for all balance transfers. According to my XXXX statement, I had a credit line of {$15000.00} with  {$8200.00} available. In conjunction with another credit card with low interest, I decided to transfer the entire balance of one of my loan to my credit cards. In order to do this, I had to use convinence checks. While I had checks for the other account ( also with USAA ), I did n't with the account in question. So I order them and when I received them, sent a check for {$6400.00} to XXXX XXXX XXXX mid XXXX. The XXXX XXXX started to process the check onXX/XX/XXXX. OnXX/XX/XXXX I received a statement showing a reduce credit line. USAA refused to honor the check that was written that was being processed via the bank clearing house. I called USAA on the XXXX about this since it had an adverse affect and I had not received prior notice. I later received a letter ( dated XX/XX/XXXX) from USAA indicating the credit limit change. I believe that USAA in this case is not acting in a honorable fashion since the check was written and was being process before the change and show have been honored. I would not been upset if the change had occurred beforehand. Refusing to honor this check will cause me financial harm due to the higher interest rate I now have to paid on the remaining balance. I am addressing the problem with my credit score via an open complaint previously filed ( XXXX ) that is awaiting resolution. <P/>I am disappointed because USAA normally does an excellent job in the many services they provides to me and others in my family. It about fairness and timing and continuing your high standard across the board.
Consumer complaint received 2023-09-07
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. (GA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-07-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Exeter Finance, LLC. (CT)

I am XXXX XXXX XXXX and I fell behind in payments because of my financial situation with my family. I have gotten to a better place and tried to setup payments to bring my account current and also requested ti move my date yo mid month because of the timing of it being due causing further issues. Exeter finance told me that SCRA means nothing and they put my vehicle on the repo list and when it told them they can not repossess my car without a court order I was ignored. Im locked out of my account to make payments and they wont accept a payment arrangement for the total due to bring my account current. I have been dealing with this companys lies and harassment since I signed the contract. They are ripping people off and I truly want to get out of this contract or have it picked up with someone else.
Consumer complaint received 2024-04-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (WI)

I sent two {$180.00} payments to XXXX XXXX, user name $ XXXX, phone # XXXX, email address : XXXX, through CashApp for tickets to the XXXX XXXX concert XX/XX/2024. ( I thought I had done my best to vet out the seller, XXXX, after speaking with him on the phone, via XXXX and email ) Tickets were sent and were very convincing fakes ) I was sent false tickets that were denied at the door. I have tried reaching out to XXXX multiple times with no response. My bank was notified on XX/XX/XXXX immediately after finding out the tickets were fake. My bank said I needed to work with CashApp to get a refund. 
I have followed XXXX procedures to get a refund and XXXX is not responding to those either. I have reached out to XXXX customer service and they said to just keep trying to get him to refund me, that there was nothing they could do and that I just shouldn't have sent the money. I asked to speak with a manager higher up the chain of command and was told none were available and they would only contact me via email. I am still waiting for a managers email. 
Upon researching further the useXXXX XXXX XXXX  is a serial scammer on CashApp. I am not the first person who fell for his scam and yet CashApp continues to support him receiving money. They are a company who are openly supporting criminal activity.
Consumer complaint received 2023-06-29
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: Certegy Holdings, LLC (MN)

Attached is a letter from XXXX XXXX a Notice of XXXX XXXX of my personal information. The following transaction information listed on my XXXX File Report Tracking Number : XXXX is not my transaction information and is the result of the data breach and identity theft : XXXX, XX/XX/2023, XXXX XXXX XXXX, XX/XX/2023, XXXX XXXX XXXX XX/XX/2023 XXXX XXXX, XX/XX/2023, XXXX  XX/XX/2023, XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023, XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023, XX/XX/2023, XX/XX/2023 XXXX XXXX XXXX XXXX, XX/XX/2023, XXXX XXXX XXXX, XX/XX/2023, XXXX XXXXXXXX XXXXXXXX XXXX XXXX  XX/XX/2023
Consumer complaint received 2022-07-07
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX  days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.