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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.

1. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX Account Number : XXXX Delete account for failure to failure to perform an investigation 2. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX Account Number : XXXX Please investigate the history reported on this account. It is absolutely inaccurate. Correct or delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611.

3. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX XXXX Account Number : XXXX This is a charge off account. The balance on this account is incorrect It should indicate {$0.00} and why is it showing a {$600.00} balance that is seriously damaging my credit scores. Please delete this inaccurate information from my credit report. 

4. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 
XXXX XXXX Account Number : XXXX This is a charge off account. The balance on this account is incorrect It should indicate {$0.00} and why is it showing a {$67.00} balance that is seriously damaging my credit scores. Please delete this inaccurate information from my credit report.
Consumer complaint received 2022-09-02
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. (AL)

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 719XXXX  has me at a score around 590. 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 60 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 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three 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 60days 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 XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2019-02-02
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. (SC)

I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. Please block, and or delete this items. I wrote letters to have this information verified and I've gotten no response. When I called over the phone, I was told to sent a letter which I had already done but they were unable to locate it. Each rep I spoke with were from another country and we had a disconnect with verbal communication. I mailed each letter to the address listed on the web site so I had no idea of how a rep from a foreign country would be able to locate it anyway. Please respond to this attempt, I have no other options left except to pursue legal action.
Consumer complaint received 2022-09-02
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. (PA)

Dear CFPB, I have sent several letters to the agencies regarding inaccurate information in my credit file. The bureaus claim the account is verified. The inaccurate information remains in my credit file and has impacted my file negatively. Now I would like to file my CFPB complaint formally. 

I read that the process of the investigation is to reach every individual company to verify the accuracy of the information. In accordance to FCRA, Section 611 A through D, They are supposed to let me know who they verified with. I asked them to delete anything that is not XXXX percent accurate. I have a lot of inconsistencies between the XXXX bureaus, below I have listed them out for you. 

XXXX Account Name : Sun Fed Account Number:XXXX Errors Found -open Date is not uniform with all XXXX bureaus -Last reporting date is not uniform with all XXXXbureaus -last active is not uniform with all XXXX bureaus -Date of last payment is not uniform with all XXXX bureaus XXXX Account Name : XXXX  Account Number:XXXX Errors Found : -open Date is not uniform with all XXXX bureaus -Last reporting date is not uniform with all XXXX bureaus -Last active is not uniform with all XXXX bureaus -Date of last payment is not uniform with all XXXX bureaus EXPERIAN Acc Name : XXXX XXXX Acc Number XXXX Error found : -open Date is not uniform with all XXXX bureaus -last reporting date is not uniform with all XXXX bureaus -last active date is not uniform with all XXXX bureaus -Date of last payment is not uniform with all XXXX bureaus I have now pointed out the mistakes so these need to be deleted not updated, by updating the terms, is an admission of guilt and a direct violation of my rights of a fair investigation. I am not sure how They can state it was verified. How is it possible that XXXX, XXXX, and Experian all verified the accounts above as accurate coming from XXXX source, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to Section 611 due to the inconsistencies coming after my original request of investigation. 

At this point, I demand this account to be deleted immediately, or I have no choice but to seek counsel to point out the rights that have been violated under the FCRA. Please forward me an updated credit report to the address below after they have completed the deletions Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Thank you for your time,
Consumer complaint received 2020-08-03
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX my addresses ftc violations that were filed accounts also : XXXX XXXX XXXX XXXX inquires not mine avantus niches fcu
Consumer complaint received 2018-04-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY)

I have been trying to resolve payments issues with my Loan Service Co, by I have not gotten a response. 
Here is my last communication with Rushmore : XXXX XXXX XXXX To : XXXX XXXX Cc : XXXX XXXX XX/XX/XXXX at XXXX XXXX  Hello, I have been trying to get a response regarding the rejection of a payments send on XX/XX/XXXX in the amount of {$10000.00}. I never heard from you or other Rushmore Loan Management employees regarding my request. I have requested repeatedly from XXXX XXXX, but he has gone into silent mode now, perhaps with the intention that all be be forgotten on my side. 
Additionally, Rushmore Loan Services keeps adding late fees to my account, continues reporting me and my wife to the credit bureaus for nonpayment, and is still adding taxes and insurance to the bill at a time when I have sent proof of payment of Real Estate Taxes. 
Specifically, although I made another payment in the amount of {$10000.00} on XX/XX/XXXX that is not reflected in the mortgage statement thereby my bill for the month of XX/XX/XXXX amounts, incorrectly though, to {$12000.00} with late fees totaling {$180.00}. 
After I failed in my repeated attempts to reach XXXX XXXX, who did not respond to my calls, in my last conversation with you, you personally to remove late fees and resolve other issues related to my account. 
Please respond to me request and resolve the billing issues. I have attached two documents with this email showing payment in my side and a bill that does not reflect my payments Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX T. XXXX
Consumer complaint received 2022-08-29
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)

In accordance with the Fair Credit Reporting act XXXX Account 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
Consumer complaint received 2016-10-21
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (GA)

Dear Sir/Madam, I am writing to complain about the AMEX Platinum Card. Seeing the offer that spending {$3000.00} within the first 3 months I can get XXXX Membership Rewards points, I applied for this card in XXXX 2016. ( Detailed offer description image is attached. ) I spent {$6100.00} including {$450.00} annual fee, {$1100.00} refund which was a helicopter tour canceled by the agent due to bad weather, and {$20.00} XXXX gift card which I really sent to someone as a gift. Deducting these XXXX items ( {$450.00} annual fee+ $ XXXX {$20.00} XXXX gift card ), I still spent {$4500.00} in the first 3 months, which is much more than what the offer requires and I got XXXX MR points as soon as the third statement came out. ( Detailed statements for the first 3 months are attached. ) However, I was surprised to find that my MR points were adjusted for XXXX points on XXXX/XXXX/2016 without any notice from AMEX. I tried to call the customer service many times but each time I got the same response that I need to wait for 6-8 weeks for reviewing without knowing the reason. No feedback is given so far. 
I think I am definitely qualified for this offer and AMEX has no reason to take away my MR points. Therefore, I am hoping that AMEX can return the XXXX MR points that I deserved. Thanks!
Consumer complaint received 2022-09-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Marcadis Singer PA (FL)

This dispute is concerning the dental supplier XXXX XXXX. I bought a used XXXX autoclave from their company in XXXX for my business. I paid a total of {$4200.00} for this serial number. Unbeknownst to me, I also was double billed for the same type of autoclave, an XXXX, under a different serial number and agreement # for a total of {$2100.00}. I did not find this out until a few weeks ago, in XX/XX/XXXX after consultation with my attorney. 
The reason I found out XXXX XXXX double billed me, is because XXXX XXXX has brought forth a legal complaint against me for the same agreement # that I already paid off a few years ago. I was just served papers for small claims court for {$6400.00}, which is almost the same amount that I paid off a few years ago. I called the billing department at XXXX XXXX, and the collections attorneys that are trying to sue me for this amount, that I already paid this off. They advised me that they know I paid off the previous amount, but that this new complaint is for something different. I advised them that it was not, and that it is the same agreement # as before. 
I would also like to note that it appears that XXXX XXXX backdated an invoice to XX/XX/XXXX with no serial number. It just states that I owe {$6400.00} for a large equipment rental fee for XXXX week. This also makes no sense, because I have never been billed by their company nor sent any invoices for this. I never signed any contracts or rented or bought any large equipment from them since XXXX. In other words, they are waiting until XXXX to bill me for an erroneous rental XXXX  years ago because the statute of limitations is running out, and they never properly recorded me paying for the equipment before. 
I did consult with an attorney concerning this matter, and they are the ones who found out that I was double billed for the equipment, and that they waited 4 years to produce an erroneous invoice because the statute of limitations is running out. 
This lawsuit has caused me to lose work time and has cost me lawyers fees. I have also been served legal papers, been double-billed, and have had to deal with illegal backdating of invoices all for a large company to make money from a small business owner. 
I would like to get the amount back that I was over-billed plus interest, and my attorneys fees paid. 
Thank You
Consumer complaint received 2023-12-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

2022 XXXX XXXX and cash app investing portfolios and forms not authorized by me nor submitted by me. XXXX and XXXX accounts hacked stolen information and submitted in my name. Unrecognizable late 1099-B tax form and investing amounts. Link bank accounts and cash app account unauthorized charges. No explanations or contacts willing to disclose from each account. I disputed on my credit report and froze.
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Santander Consumer USA Holdings Inc. (WA)

Unauthorized inquiry to my consumer report. On XX/XX/2021 Santander consumer USA obtain my XXXX consumer report without my authorization or a permission. I do not recognize this inquiry or any accounts with this company that is listed on my credit report,
Consumer complaint received 2022-03-07
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. (TN)

On XX/XX/XXXX I received a letter from XXXX XXXX that an account was opened in my name. ( I have the letter attached ) I did not open this account and I did not receive any goods or services from this company. My identity was stolen back in XXXX and this account is a result of identity theft. I sent a Identity theft report, and also a written statement informing all credit reporting agencies that this account was not mines and was a result of identity theft. I also provided appropriate proof of my identity. Pursuant to 15 USC 1681 ( c ) ( a ) a consumer reporting agency SHALL promptly notify the furnisher of information that it was a result of identity theft and shall block the information not later than 4 business days after date of receipt. I have attached proof showing that TransUnion received all of the appropriate documents but they are still is reporting this information on my consumer report.
Consumer complaint received 2022-08-29
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: MoneySpot USA LLC DBA Sunshine Loans (TX)

XX/XX/XXXX I received a Notice of Adverse Action stating that I was turned down for a loan from Sunshine Loans. 
The letter was addressed to my maiden name and references an alleged loan number. I never applied for a loan. 
XX/XX/XXXX I called to discuss with the company and was told this letter was so that I could apply for a loan. I explained that I never applied and the person hung up on me.
Consumer complaint received 2022-09-02
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: I.C. System, Inc. (KS)

A few months ago, I disputed a collection account on my credit reports from I.C. Systems ( collecting for XXXX XXXX XXXX XXXX on the XXXX XXXX XXXX to which after an investigation, it was found that they did not have the documents to prove I actually owed any debt and therefore on XX/XX/2022 I received a response and a letter detailing that they would be requesting deletion of their negative tradeline. Now there was a discrepancy in the amount owed they put on the letter compared to what was already being reported, ( which I didnt think would matter, as well as I think they did on purpose to cause these problems ) but I didnt really complain as I was for sure it would be automatically deleted from all my reports anyways. NONE of the credit reporting agencies removed them by their selves because I know for a FACT IC Systems Inc, did not actually request deletion, because I had to dispute the account myself on XXXX XXXX XXXX, who after a few short days deleted the negative trade line themselves. Disputed with XXXX ( who typically is the first to remove trade lines, which shows IC Systems never requested deletion. On XX/XX/2022 I disputed the collection with XXXX & provided the letter to them via PDF to prove that it should be deleted. On XX/XX/2022 I received the results and was told that the information was verified and accurately reporting which was a problem as I wasnt disputing if it was accurate, it needed to be deleted. So so reopened the case under a new topic saying the account is indeed closed, and today XX/XX/2022 I got the results and once again they said the information was accurately reporting. But this time they said they contacted the furnished of the information ( IC Systems Inc ) and that the furnished told them the account was in fact reporting accurately. BOTH XXXX XXXX I.C. Systems Inc are both being negligent and in fact are disrupting my financial future by not doing right by what IC Systems has already said they would. This reporting is actually quite illegal, and my attorney is filing litigation against XXXX XXXX IC Systems. Remove the trade line and litigation will cease. This isnt a joke or a game. And as for IC Systems changing the supposed amount owed and making it differ on the letter compared to what you are reporting is a very under hand tactic and is also extremely illegal as well. I dont know what type of games you all have going but this is why collection agencies have such bad reputations, but if you look at all their complaints this seems like normal practice for them unfortunately.
Consumer complaint received 2022-09-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (TX)

PNC bank violated the KYC ( Know your customer ) and AML ( Anti Money Laundering ) laws, by not fully vetting and taking the appropriate actions to know or stop the person who created an account with them. The person who created the account with them was XXXX individual from XXXX who was in the states on a visitors visa. This person used BBVA and PNC bank as a vehicle to commit fraud on multiple American citizens and launder money. Since this person was in America on a visitors XXXX, he was unable to hold employment per the conditions of the XXXX, and this should have raised concerns when he regularly deposited money into his account from his job ( cash ) and accepted transfers for XXXX 's of XXXX of dollars into his account. If PNC bank had taken the appropriate measures and actions, and complied with KYC and AML, they would have not played a part in this fraudulent activity.
Consumer complaint received 2022-09-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I do not understand why Trans Union lowered my score with XXXX XXXX from XXXX ( dated XX/XX/XXXX ), to XXXX ( dated XX/XX/XXXX ), while my Trans Union score with Bank XXXX XXXX went up to XXXX. It should go UP not DOWN. 

Previously, Trans Union showed an erroneous late payment for XXXX XXXX credit card on XXXX, XXXX, which they corrected, and two late payments for XXXX credit card on XXXX, XXXX, and XXXX, XXXX which they also corrected. I have a 100 % perfect payment history and I expected a rise in my credit score, not a drop.
Consumer complaint received 2022-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/2022, my wife used her additional card ( ending in XXXX ) on my XXXX XXXX XXXX account to make a purchase of {$790.00} using XXXX XXXX with the merchant " XXXX ''. It is for an XXXX XXXX mini. 

The merchant has already shipped the XXXX on-time, and the recipient has already received the XXXX and started using it. 

However, after more than 2 weeks later, we are still unable to see the transaction in the Amex Mobile app nor Amex website. 

We have contacted the merchant on XXXX, and the merchant confirmed that they have received payment. However, we are still not yet charged for this transaction. 

This caused 2 issues for me : 1/ This caused me to worry that Amex may suddenly come back and charge me out of the blue, months or years down the road, causing significant stress. I would like to have a closure on this issue as soon as possible while memory is still fresh, instead of keeping this issue in the back of my mind indefinitely. 

2/ This billing error caused me to miss the Amex " Plan It '' no-fee promotion that ended in XXXX. Had Amex posted the transaction on-time, I would have been eligible for the Plan It feature and I would have been able to pay this charge in installments without any interest.