davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (NY)

Please be advised this is my SIXTH 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 five 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 XXXX XXXX Date Opened : XX/XX/2002 Balance : {$3000.00}, and XXXX XXXX XXXX* Date OpenedXXXX Balance : {$0.00}.
Consumer complaint received 2019-11-14
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: Experian Information Solutions Inc. (GA)

Hard Inquiry run my XXXX XXXX on XX/XX/2019, without my knowledge or consent. 
I never applied for credit or opened any account with XXXX XXXX. 

Institution Information XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX
Consumer complaint received 2019-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CREDIT WORLD SERVICES, INC. (KS)

Credit World Services DID NOT remove the account from XXXX  it still is showing in active collection as of yesterday. XXXX  was called and I was told it does not take this long to remove an account especially if the were notified in XX/XX/XXXX as Credit World states.
Consumer complaint received 2019-01-31
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: U.S. BANCORP (NY)

Found out someone either hacked my email and phone was opening accounts in my name using my personal Information which mustve been stolen and reported to bureaus and put a fraud lock. Also filed report with FTC. I then reported to each company thats was involved XXXX XXXX, XXXX, US BANK AND XXXX XXXX and told them about fraudulent accounts in my name with them. Some were closed but are still reporting and some where not closed and are still reporting hurting my report with missed payments on an account that was opened fraudulently.
Consumer complaint received 2019-01-31
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: North American Credit Services (GA)

I think the payments started XX/XX/2018. The amount was around {$800.00}. I was set up on a payment plan to pay medical bills. There was an option for a settlement, but I didn't have the money for it at the time. The second time i inquired about the settlement i was told that because i either inquired or was offered a settlement twice, i would no longer have that option. I think it is unfair that the option is off the table because of something i could not control.
Consumer complaint received 2019-11-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The credit bureau has failed to respond to my multiple requests requesting the verifiable proof provided to them by XXXX XXXX that the information they are reporting is correct. My correspondence with them on this account began on XX/XX/2019. When I sent a letter requesting verifiable proof. They have failed to respond or take any action to remedy this situation. Their error in reporting is causing me great financial harm.
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: EQUIFAX, 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 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 Balance Owed : {$420.00}, XXXX XXXX XXXX XXXX Balance Owed : {$2400.00}, XXXX XXXXXXXX Balance Owed : {$0.00}, XXXX XXXX XXXXXXXX Balance Owed : {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance Owed : {$550.00}, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX.
Consumer complaint received 2019-01-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (MD)

PHOENIX FINANCIAL SERVICES XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX They reported the collection amount of {$1300.00} to my social security now my credit score is low, now I talked with the financial services of XXXX XXXX XXXX XXXX XXXX MD, His name is XXXX phone number is XXXX and I applied for Finacial Aid and I was APPROVED with 100 % discount and I shouldn't owe anything. So I want all the collection in my credit score to be dispute because this is unfair.
Consumer complaint received 2018-04-18
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC (FL)

This is to inform you that on XX/XX/ 2017 I contacted the collection agency to have them validate the alledge debt till this day I have not received a response, the harrassing phone calls has stopped, the amount that is being reported on my credit report is wrong, it keeps going up and up every month, I would like for them to delete this account from my reports for they failed to provide me with any information pertaining to this alledge debt.
Consumer complaint received 2019-01-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (GA)

On XX/XX/2019 I received a stack of mail from Chase Banking, with whom I have never done business and do not intent to. Two pieces of this unexpected mail were to activate new debit cards for two fraudulent checking accounts opened in my name without my authorization. Three pieces were returned checks dated XX/XX/2019 from XXXX XXXX XXXX ( routing # XXXX ), which Ive never heard of, electronically deposited to the fraudulent accounts in the amounts of check # XXXX  {$900.00}, check # XXXX  {$750.00}, and check # XXXX {$800.00}. Three pieces were returned checks dated XX/XX/2019 deposited into the fraudulent checking accounts from The XXXX XXXX XXXX XXXX , XXXX  ( routing # XXXX ), with whom I have an optional disability policy, checks were in the amounts of check # XXXX  {$1800.00}, check # XXXX   {$1900.00}, and check # XXXX  {$1600.00}. Two pieces of mail stated that these Chase bank accounts had been blocked and would soon close. I have no confirmation that these accounts have been closed, and no further information was given to me about the application to open these accounts or any further deposits/withdrawals. I have no claim numbers for these companies because this wasn't authorized by me. I studied my credit report and found unauthorized inquiries recently and fraudulent addresses.
Consumer complaint received 2019-01-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

on several occasions I received letters and calls from collection agencies regarding accounts that DO NOT belong to me. my identity was stolen and used to open fraudulent accounts. I need this fraudulent information removed from my report immediately.
Consumer complaint received 2019-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL (GA)

XXXX has been non-compliant with removing the unverified account XXXX Opened Date XX/XX/2017 which has been deleted by XXXX  and XXXX. XXXX  and XXXX  have both completed their research and determined that SYNCBPAYPALEXTRASMC was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2019-01-21
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)

On XX/XX/XXXX I paid {$15.00} for a certified letter to Trans Union containing a signed and notarized document regarding the fraudulent/unauthorized information on my credit report. The certified documents were : signed and notarized and a federal trade commission identity theft affidavit. 
On XX/XX/XXXX I received confirmation that my certified packet was received by Trans Union. 
On XX/XX/XXXX I received a notification that the fraudulent account was removed successfully from my Trans Union credit report. 
On XX/XX/XXXX I paid {$29.00} to my credit monitoring website to refresh all three credit reports to review. I noticed that said fraudulent account has been put back on my credit report with Trans Union since the credit monitoring website I once used was Credit Check Total and it is now under XXXX. According to The Fair Credit Reporting Act, Section 611,  the respective credit bureau has 30 days to investigate and remove the fraudulent account and not put it back on the consumers credit report.
Consumer complaint received 2018-04-06
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (KS)

I ordered a phone from XXXX XX/XX/XXXX timeframe of last year. The phone was financed via Synchrony XXXX XXXX credit. I initiated a charge back because the device is not working. Syncrhony is stalemating for XXXX, keeping me in an endless return/tech support/support loop via phone and email. Neither company will work with me to resolve this issue that has been going on for almost 4 months now
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ERC (TX)

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

I sent the Credit Bureaus letters asking them to verify debts on my report. they replied that everything has been verified : however, my credit report continue to show inaccuracies. 

ENHANCED RECOVERY COMPANY XX/XX/XXXX, Amount : {$760.00}, Account : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Amount : {$950.00}, Account : XXXX XXXX XXXX XXXX XX/XX/XXXX, Amount : {$1400.00}, Account : XXXX XXXX XXXX XXXX XX/XX/XXXX, Amount : {$2000.00}, Account : XXXX XXXX XXXX XXXX XX/XX/XXXX, Amount : {$2100.00}, Account : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Amount : {$1000.00}, Account : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Amount : {$1700.00}, Account : XXXX
Consumer complaint received 2019-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

This is the third complaint now regarding Experian 's reporting of a medical debt in my credit report. Experian 's prior response to my complaint that it had agreed with most US State 's Attorneys General not to report medical debt within the first six months was met with a ridiculous response here at the CFPB. Experian stated that, rather than the 30 day investigation period mandated by law, it would now take 60 days to make a determination that could be adduced by a plain reading of the entry in the report. The entries reported by Experian are cleary within two months of the date of first delinquency ... not six. The entry should be removed on that basis alone, not invoke a new 'investigation ' period of double the amount permitted by law.

But that is not the purpose of this complaint. It gets worse. Experian next purported to have removed this entry and DID remove the entry. See attached report of XX/XX/2019. And so I stopped purusing the matter and when I again checked my credit report on XX/XX/2019 the information had re-appeared ... again in violation of federal law. 15 U.S. Code 1681i requires Experian to notify me within five days of reinsertion, which it did not do.

I expect that, once again, Experian will simply state that it will take another 60 days to 'investigate ' with the collection agency. However, NEITHER issue above requires any investigation at all with the collection agency. Quite frankly, it is apparent to me that Experian considers the Consumer Financial Protection Bureau to be a joke that it responds to complaints in this manner and watches as the CFPB deems the matter resolved and closes the case in the face of blatant and proven FCRA violations. I consider myself a consumer advocate, but perhaps Donald Trump has this one right and your agency should just be dismantled as a waste of taxpayer money.
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

All of my credit card accounts are incorrect. The balances reported are from 3 or more months ago. A new account was added today XX/XX/22 that was added 6 months ago. There is a credit one with a {$500.00} limit on my credit that shows and I have no knowledge of this account. All of my balances are reporting months late and my husband is on the same cards and his reports on time every month. I have spoke to the card companies and they are reporting on the close date every month.
Consumer complaint received 2019-01-31
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: EQUIFAX, INC. (CA)

In XX/XX/2012 there was a XXXX card opened under my name which I never authorized. I had been asking XXXX to remove this card from my credit report and close the account as it was not me yet they have refused to do so. The account is still showing under my credit report as a charge-off when I never authorized them to open an account in the first place. I would like this account fixed and removed from my credit as it is causing problems and negative remarks under my credit.
Consumer complaint received 2019-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

The Family Support Service Department has put a negative remark on my credit on XX/XX/2018 saying I previously owed money to them because my childs father decided to go to the County and sign up to receive benefits. I have spoken with their department and they have actually told me that they should have never reported that to my credit because it was a mistake. Now this has caused me a great inconvenience with new ventures I am trying to pursue and I need this removed immediately from my credit since it was their mistake.
Consumer complaint received 2019-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The Family Support Service Department has put a negative remark on my credit on XX/XX/2018 saying I previously owed money to them because my childs father decided to go to the County and sign up to receive benefits. I have spoken with their department and they have actually told me that they should have never reported that to my credit because it was a mistake. Now this has caused me a great inconvenience with new ventures I am trying to pursue and I need this removed immediately from my credit since it was their mistake.
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

All of my credit card accounts are incorrect. The balances reported are from 3 or more months ago. A new account was added today XX/XX/22 that was added 6 months ago. There is a credit one with a {$500.00} limit on my credit that shows and I have no knowledge of this account. All of my balances are reporting months late and my husband is on the same cards and his reports on time every month. I have spoke to the card companies and they are reporting on the close date every month.
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NY)

Unable to unlocked my report. I paid for Equafax premium service that allows me to lock and unlock my report. But every time my report is locked, it has been a problem unlocking it.
Consumer complaint received 2022-08-29
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CNG FINANCIAL CORPORATION (PA)

I contacted Check n Go on XX/XX/XXXX to complain about the loan terms and their unfair practices to consumers. They logged my complaint XXXX and stated they will get back to me. I received feedback on XX/XX/XXXX basically telling me that I agreed to the terms and they could not help while the loan was active and would not be able to settle the account or come to an agreement until the account was in collections. My thoughts, if I wait for the account to go to collections, then it will be on my credit report, which I am trying to avoid by asking for assistance before it got that far. In the state of Pennsylvania, payday lending is considered illegal according to the Check Cashing Licensing Act of 1998, 505 ( a ). Pennsylvanias Loan Interest and Protection Law ( LIPL ) prohibits lenders to charge an interest rate in excess of 6 % per annum on a loan amount less than {$50000.00}. The Pennsylvania Supreme Court set a rule in XXXX that all lenders ( in-state and out-of-state ones ) willing to give loans to Pennsylvania borrowers must abide by the state laws. I will also file a complaint with the Pennsylvania Department of Banking, since I am and always have been a Pennsylvania resident. The identification and everything else used in the transaction was from the State of Pennsylvania.
Consumer complaint received 2023-12-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc. (TX)

Good morning, On XX/XX/2023 I added {$200.00} into my CashApp account. That very same day on XX/XX/2023, I attempted to transfer {$200.00} from my CashApp account into my XXXX account. I was using my CashApp XXXX card ending in # XXXX. I added the CashApp visa card ending in # XXXX into my XXXX account and requested the {$200.00} transfer. When I hit submit in my XXXX account the transaction in XXXX was denied. I couldnt understand why because I had {$200.00} in my CashApp account. I wanted to confirm that I had the funds and when I looked in my CashApp account, to my amazement the {$200.00} was taken out. It stated on the transaction history that the payment was completed. I contacted both merchants and everyone is telling me the opposite. XXXX is showing that the payment was denied and CashApp showing that it went through. Nobody is trying to help me. Cash App wont do a conference call with XXXX to confirm the transaction due to recorded phone calls. Its against there policy when they are speaking with a 3rd party to have phone calls monitered. This to me is a red flag. I was advised by CashApp to file a claim and I filed 2 claims, # XXXX and # XXXX. Unfortunately that same week, I did receive email communication that both claims were denied. I asked CashApp for a transaction number for the approved payment from XXXX and they could not provide me with that information. I requested documents that they used to determine a denial and they sent me a 1 page paper with basically the same info that I am seeing on my CashApp dashboard with no reference or transaction number for the approved payment. I contacted XXXX and they were helpful and provided me with a transaction number for the declined transaction. I tried to provide this number to CashApp and they didnt even want to use it. I am know stuck in a situation where my {$200.00} that I worked for is lost and both merchants CashApp and XXXX are saying the opposite. What am I as a consumer supposed to do. This is my hard earned money. Its the holidays and {$200.00} just disappeared. I am very saddened and have exhausted all avenues and this is why I am reaching out to you for assistance. I have attached information and communications between both CashApp and XXXX. 

CashApp ID : XXXX XXXXXXXX XXXX ID : XXXX Thank you, XXXX XXXX