davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-17
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. (CA)

I have been a victim of identity theft and that the disputed inquiries being reported on my Personal Credit File were never authorized neither initiated by my nor anyone I allowed to. By the provisions of the FCRA, I am requesting that the Credit reporting agencies delete the disputed inquiries completely from my Credit report and stop their erroneous reporting. I previously sent a letter addressed to the Credit Bureaus with the same message, requesting the removal of the unauthorized inquiries. I also previously requested proof of verification bearing my signature to support the Credit Bureaus claims that the dispute inquiries belong under my name. Once again, I need the following inquiries deleted as soon as possible : XXXX. XXXX XXXX XXXX XX/XX/2022 XXXX. XXXX  XX/XX/2022 XXXX. XXXX XXXX XX/XX/2022
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

Late payment on XXXX XXXXXXXX XXXX XXXXXXXX never been late on a payment account identity theft when the account was late I called XXXX XXXXXXXX XXXX when the identity theft happened and wrote a statement
Consumer complaint received 2023-01-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc (NE)

Commencing on or about XX/XX/2022, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX XXXX XXXXXXXX ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, '' all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of client losses to gains.
Consumer complaint received 2022-08-17
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. (NC)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2020-09-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners (MD)

I received a collection letter around XX/XX/XXXX dated XX/XX/XXXX from Affiliated Asset Solutions, LLC for the amount of {$1500.00}. I immediately called them and told them that I was disputing the collection. I was told by their representative that I had gone to the emergency room on XX/XX/XXXX and the bill was a result of that visit. I informed her that I did not go to the emergency room in XXXX at anytime and that I wanted to dispute this collection. They have proceeded to call me several times and I have repeated that I did not go to the emergency room in XXXX. I have asked for the name of the hospital and any intake forms of my supposed visit and any bills that were generated as a result. They just keep calling me and asking me about the debt. I went to the XXXX XXXX XXXX  website and they have a lot of complaints from people complaining about the same problem I am having with the company.
Consumer complaint received 2020-09-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: McCarthy, Burgess & Wolff, Inc. (PA)

XX/XX/2020 they called about a debt that is owed from XXXX.They said they represent them I told them I had no idea if the debit and can they send me a validation and in response they sent this letter that does not validate the debit nor states his account belongs to me.
Consumer complaint received 2023-10-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: Block, Inc. (OR)

I been I've been trying to cash my check My tax refund check, my ID was misplaced, someone stole it out of my camper, I reorder it it's been a month and a half, and I still haven't received it, Texas DMV said they are upgrading the system that's the reason for the delay, so only have a temporary card, I was trying to cash app option, and they told me these That all features are not available to all customers
Consumer complaint received 2023-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (CA)

On XX/XX/23 I used my cash app debit card at the ATM located in the XXXX at XXXX XXXX XXXX, XXXX The ATM stopped working and failed to dispense the funds for my {$60.00} transaction. XXXX employees confirmed the failed transaction. We called the ATM company and they also confirmed the failed transaction. 
Cash app completed the transaction and paid out on the {$60.00}. + $ XXXX {$62.00} the {$62.00} was removed from my account. I don't understand how cash app was able to complete the transaction and pay out the money when the transaction at the ATM was never completed. 
Cash app refused to provide the {$62.00} provisional credit and tells me that it's going to take 45 days to complete. 

It's a very simple process to verify the transaction with the ATM company. 
I don't think cash app is handling my claim and that's why they did not want to provide provisional credit and why they can't give me an update. 
They refuse to let me talk to someone in the claims dept as well. 
They hang up on me after telling me that they cant provide any documentation or information on my claim. 
Their behavior when handling my claim is very unprofessional.
Consumer complaint received 2022-08-17
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/2022 Ive already included this report in my previous letter & I am including it again. Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-06-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER BANK, NATIONAL ASSOCIATION (PA)

the app states it should take 1-2 days to verify my bank accounts, however it states it will take until X/XX/17 since activating the app on X/XX/17, which is 5 days, a dramatic time difference.
Consumer complaint received 2019-08-29
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. (FL)

I opened a dispute with Equifax on XX/XX/XXXX regarding a collection on my account. I received a result of the dispute XX/XX/XXXX stating " the information you disputed as been verified as accurate. '' On XX/XX/XXXX, I sent a request for method of verification letter through certified mail, the mail was received on XX/XX/XXXX. It is now XX/XX/XXXX 16 days later and I have yet to hear back from them.
Consumer complaint received 2023-03-31
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. (VA)

On XX/XX/2023 The Credit bureaus stated Account XXXX Account # XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 
I haven't given these accounts written permission to furnish these accounts on my credit report as well
Consumer complaint received 2022-08-17
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. (NC)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS XXXX U.S.C. 1681 section 602 A 15 U.S.C. 1681 section 604 A section 2 15 U.S.C.1681 1681c ( a ) ( 5 ) 15 U.S.C. 1681s -2 ( A ) ( 1 ) they have violated several of my right with no regard of congress making these laws
Consumer complaint received 2022-08-17
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. (NC)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS 15 U.S.C. 1681 section 602 A 15 U.S.C. 1681 section 604 A section 2 15 U.S.C.1681 1681c ( a ) ( 5 ) 15 U.S.C. 1681s -2 ( A ) ( 1 ) they have violated several of my right with no regard of congress making these laws
Consumer complaint received 2017-06-23
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I was was looking for legal representation after firing my lawyer and they notified me of the courts decsion late and put up my house for sale X/XX/2017 with no notice to me. <P/>I had already spent thousands on legal representation for lawyers that negotiate with their clients XXXX of defending the merits of the case. There are no lawyers that want to appeal the case without excessive charges. <P/>I was forced to file Bankruptcy to stop the sale.
Consumer complaint received 2022-08-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CBM Services, Inc. (GA)

I received a notice for CBM for an amount claiming I owe. I sent a letter requesting verification of debt. What I received has not bearing of a signature or agreement or proof of debt belonging to me other than my name and an old address. 

The dates listed do not correspond to the dates I lived at address since I had moved as of XX/XX/2021. I am asking that they verify the account properly. 

I travel internationally and fear this might get reported to a credit bureau when I am not around to respond in a timely fashion. I request that no reporting be done until this debt is verified, as stated in my prior email. 

Additionally, this is not worth the time to continue to litigate and I'll send them a check for XXXX for the dates I lived there, in case my ex wife had this service. 
If we can't come to an agreement, I'll forward to my retained counsel to take from here.
Consumer complaint received 2019-08-29
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC. (FL)

Debt was paid in full. After an accident in XX/XX/2019, XXXX indurance paid off the value of the car. The Gap insurance paid off the balance to close out the account. I notified Ally Financial in writing that Gap Total Warranty agreed to pay off the entire balance. After confirmation from Gap total warranty I get a bill from Ally Financial that they are charging me an additional {$210.00} for???? The claim was settled and paid weeks ago.
Consumer complaint received 2023-05-08
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: Bread Financial Holdings, Inc. (TX)

I initially submitted a complaint against this Wafair, Comenity Bank, CFPB # XXXX, I was not satisfied with the results and their service, so I paid off the account as soon I could. XX/XX/XXXX, closing statement date showed a new balance of {$570.00} with a minimum balance of {$30.00}, stating, " Mailed payments must reach us by XXXX XXXX  ET. '' On XX/XX/XXXX, Wayfair Comenity Bank received my payment of {$570.00}, continued to charge me a finance charge of {$7.00}, and continued to charge another for the next two months. 

Each time I received a statement, I made several attempts to resolve this and was passed on from their new financial institution XXXX, back to Comeneity, who claimed they could not credit my account since it was closed! Please bot the referenced complaint above Comenity chose to close my account when it was in good standing! Each month I fought to have them remove the fees and was told it would be resolved, and when I asked for documentation, I received none. 

In XX/XX/XXXX, and XX/XX/XXXX, I applied for a HELOC loan with XXXX XXXX  and was declined both times due to these recent past-due delinquencies. I received a vague letter from Comenity apologizing and claiming to fix the error, but no mention of what error. Comenity Bank insulted me by sending check # XXXX dated XXXX for over {$2.00} to credit me for the interest I overpaid. 

I have also attempted to dispute this thru XXXX, but they do not contact the creditor, only suggesting that I write a statement explaining my side, which is XXXX 

Someone needs to hold both companies accountable! I've given XXXX more than enough information to overturn this decision, and they updated the inaccurate delinquency from 2 30 days late to 60!!! 

My creditworthiness is ruined! I have NO delinquencies or past due accounts on my credit except for this inaccurate reporting!
Consumer complaint received 2023-05-08
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. (FL)

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (NC)

Hello again, I have asked a few times now to have you remove my authorized user account from all three credit reporting agencies. This has been done well over 4 weeks ago and it is still showing up on my reports. Please see that this gets removed right away. 

Thank you!
Consumer complaint received 2022-08-17
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)

Please be advised this is my FOURTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite three previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$570.00} and XXXX XXXX XXXX Opened XXXX. XXXX, XXXX XXXX {$0.00}.
Consumer complaint received 2020-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses show tooltip button Select as many as apply XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX   XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX SINGLE FAMILY under dispute icon Currently Under Dispute XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX SINGLE FAMILY under dispute icon Currently Under Dispute all not mine
Consumer complaint received 2024-02-10
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the fair credit reporting act, the list of accounts below has violated me federally protected consumer rights to privacy and confidentiality under 15 USA 1681. The accounts below have violated mi rights. 15 u.s.c 1681 section 604 A section 2 : It also states.

a consumer reporting agency can not frumpish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report.

containing any of the following tems of information any other adverse Tem of information, other tan records of convictions of crimes which antedates the report by more than seven years. 15 U.SC 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer.

reporting agency if the person knows or has reasonable cause to believe that the information is. 
inaccurate delete the accounts below XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (WA)

ROBIN HOOD HAS HELD MY FUNDS FOR ALMOST A MONTH WITHOUT EXPLANATION IN WHICH HAS CAUSED SERIOUS CONCERN AS I MAY BE EXPOSED OR VICTIM OF SOMETHING. THIS IS EXTREMLY UNFAIR AND UNETHICAL
Consumer complaint received 2020-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses show tooltip button Select as many as apply XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX   XXXX TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX SINGLE FAMILY under dispute icon Currently Under Dispute XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX SINGLE FAMILY under dispute icon Currently Under Dispute all not mine
Consumer complaint received 2019-04-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: Consumer Financial Services (FL)

XXXX  OF XXXX FLORIDA IS TAKING ADVANTAGE OF THEIR ABILITY TO REPORT TO THE CREDIT AGENCIES AND IS REPORTING NEGATIVE INFORMATION TO MY XXXX REPORT AFTER I CONVERT MY XXXX XXXX TO A XXXX XXXX BACK IN XX/XX/XXXX, I MY CASE WAS DISCHARGE XX/XX/XXXX AND I RECEIVED THE FINAL DECRED XX/XX/XXXX BUT XXXX   OF XXXX FLORIDA REPORTED LATE PAYMENTS IN XX/XX/XXXX AND XX/XX/XXXX ALSO REPORT FULL BALANCE IN THE ACCOUNT WHEN THEY REPOSSESSED THE CAR IN XX/XX/XXXX AND THE CAR WAS SOLD IN A AUCTION IN XX/XX/XXXX, XXXX XXXX AND THEY ARE ABUSING THE SYSTEM
Consumer complaint received 2022-08-17
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)

XXXX is reporting 2 accounts incorrectly to Experian. I have filed over 20 disputes and each time they verify the account is reporting correctly. I have asked Experian to provide me with a copy of how they validated what XXXX is reporting. They have failed to do so. I have asked XXXX to confirm my account history. They have failed to do so. I have now found my original receipt which confirms these accounts are not reporting accurately. I would like both removed immediately.