davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-11
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. (MI)

Experian has open XXXX XXXX accounts from someone with the same name in a different state on my account. I corrected this 2 years ago when I bought a house but I had help from my mortgage company. When it showed back up a year later I tried to correct it myself with Experian but their investigation found it to be accurate. It is not. I do not have an XXXX Account and Ive never lived in that state. 
The other two credit reporting agencies corrected the error but Experian refuses to. Ive spent hours on the phone trying to correct this, but I cant prove its not mine because XXXX XXXX cant release someone elses information to me, so there is no way to get documentation proving it isnt mine.
Consumer complaint received 2020-07-11
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN ADJUSTMENT BUREAU,INC. (CT)

Debt collector has misrepresented information after numerous attempts to have this taken off of my credit report. this bill has been paid in full. this company continues to misrepresent this amount and has not contacted the hospital in order to rectify the status of the collection amount.
Consumer complaint received 2023-01-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

2 fraud checks were cashed by chase bank and XXXX XXXX plus other eft transfers using my account number the eft transfers were credited 30 days later now for the last 6 months trying to get checks credited they have admitted it was fraud but i am getting the run around i tried everything and the mgr of bank has also tried everything he has called the fraud dept in XXXX numerous times only to hear the same run around he said he escalated it to the highest level and still no one has called or done anything he is the only one trying to help me it seems like they want just to hold undo funds
Consumer complaint received 2016-08-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (LA)

I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : I notified company of errors and my request have gone ignored to date have not received any investigation request. 

1. The information is incorrect for the following account XXXX XXXX XXXX XXXX XXXX, LA XXXX Please remove it from my credit report 2. The inquiry was not authorized XXXX Account Number : Please remove it from my credit report. 

3. The inquiry was not authorized XXXX Account Number : Please remove it from my credit report. 

4. The inquiry was not authorized XXXX Account Number : Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX Account Number : Please remove it from my credit report. 

6. The inquiry was not authorized XXXX Account Number : Please remove it from my credit report. 

7. The inquiry was not authorized XXXX Account Number : Please remove it from my credit report. 

8. The inquiry was not authorized XXXX BANK Account Number : Please remove it from my credit report. 

9. The inquiry was not authorized XXXX XXXX Account Number : Please remove it from my credit report. 

10. The inquiry was not authorized XXXX XXXX Account Number : Please remove it from my credit report.
Consumer complaint received 2021-02-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mountain Run Solutions, LLC (DE)

Company Mountain Run Solutions purchased a debt from XXXX. This debt was for alarm system service agreement I did not purchase at an old Address I didn't live at for nearly 3 years prior to the time of agreement. I lived at address stated in contract for a few months in XXXX with my girlfriend at the time after which I had got my own apartment. I have submitted disputes to credit bureaus as well as Mountain Run Solutions. I have requested verification of debt and proof of statue of limitations. They have provided contract of service agreement showing date of contract as XX/XX/XXXX. This appeared on my credit report in XXXX of XXXX. Upon receipt of contract from collection company it further proved this wasn't my debt and I did not sign nor have any such knowledge of contract. I have requested they immediately remove from my credit report. Since then I have received additional notifications from XXXX advising they consider the debt to be accurate. On this Contract which I intend to submit additional disputes in writing it shows my name and social security number which I did not provide. The contract also advises that they will obtain a credit report before services was provided. They did not do so in accordance with their own contract as I have had a fraud alert on my credit report and would have been notified and could have confirmed this wasn't me that was opening the account. Furthermore, this contract didn't have my signature on it what so ever, nor did it have my phone number on the contract. So other than someone putting my name and social on this contract there was no agreement by me entering into such agreement. This doesn't even take into consideration that as a XXXX I was stationed XXXX  from the end of XXXX through early XXXX. I'm truly devastated that the credit bureau 's do such a poor job verifying debt and allow creditors to falsely destroy others name with zero repercussions. I have determined 10 different evidence points that this debt doesn't belong to me. However, feel very disappointed that it's so hard to clear your good name. Please help!
Consumer complaint received 2020-05-28
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: DK, Consulting, Inc dba Huntington Financial Services (LA)

Approx. XXXX Central Time My employer was contacted by one,  XXXX XXXX from a spoof phone number that block our company caller id system. 

This is Mr. XXXX third attempt contacting my place of employment. Debt collectors or solicitation of collection phone calls arent allowed to call my place of employment per company policy as I have informed them in the past. I have no tie to this issue nor any proof of writing that I've requested that I owe such a debt. 

He contacted my employer from XXXX stating his company is called Huntington Financial Services, which is also a possible fraudulent pseudo company in which I or the CFPB can seek litigation.
Consumer complaint received 2022-08-10
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. (MA)

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2017-09-08
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. (VA)

On XXXX/XXXX/2017, Equifax announced that a hacker obtained information about 143 million consumers. This data included Social Security numbers, birth dates, addresses and, in some cases, driver license numbers.
Users can check if their information has been compromised by going to equifaxsecurity2017.com. It was determined my information may have been compromised as part of the attack.
Consumer complaint received 2017-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was informed by another credit monitoring company that a former creditor is still purposely reporting inaccurate account status information to TransUnion Credit Bureau. This is my third time reporting this company. The company is XXXX XXXX XXXX. The company repossessed their vehicle back in 2014. The company is intentionally report inaccurate account status information as " failure to pay '', 30 days late, 60 days late '' when I no longer have the vehicle and the vehicle has been re-sold. I do not owe this company anything. The account status should be Repossessed-Closed. Would you please help me? This company is purposely decreasing my credit score. This is fraud and abuse.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Please be advised this my THIRD 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 Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two 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 min 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 eith my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2020-05-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions (GA)

I lived at XXXX XXXX for a year. Rent Recovery is trying to collect from me. I made sure I followed rules, and cleaned the place spotless before I left. I have pictures to prove it. And pictures of even getting the carpet cleaned and they still say I owe them XXXX for a deep cleaning of the apartment and broken blinds. I do not mind paying for the blinds but there needed not to be a deep cleaning at all. Any cleaning that would have been done would be normal cleaning for the next tenant to live there. A routine clean.
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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. 

XXXXXXXX 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 XXXXXXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2017-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

Equifax is allowing XXXX to report inaccurate information on my credit report. XXXX is reporting that I have open accounts with them with outstanding balances. These accounts have been discharged through Bankruptcy in XXXX 2013. I 've reported this to XXXX, XXXX and Equifax. Equifax is choosing to ignore me and allow XXXX to report inaccurate information. I 've sent my discharge paperwork to ALL three Credit Agencies and XXXX but only XXXX  and XXXX are responding. This problem has been going on for the past 3 years.
Consumer complaint received 2021-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (PA)

A fraudulent charge was placed on my card. Here is the latest info I sent the company : Synchrony Bank XXXX XXXX XXXX XXXX, FL XXXX The Charge to my account, XXXX XXXX dated XXXX for XXXX to PayPal is fraudulent. I have never held any PayPal account tied to this credit card. Any additional PayPal charges are likewise fraudulent. Further, since you were notified about this first on XX/XX/XXXX, there are no grounds for the late fee you have tacked on.
Consumer complaint received 2017-09-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (CT)

I complaining about the fact when before Navient my loan balance was {$11000.00} XXXX and now at XXXX, XXXX with Navient and thats insane just because i had my loan on forbearance because its very hard trying to make loan paying and rent at the same time
Consumer complaint received 2023-01-09
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. (IN)

In accordance with the fair credit reporting act XXXX  account XXXX, XXXX XX/XX/XXXX, XXXX, XXXX XX/XX/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 HAS VIOLATED MY RIGHTS.15 U.S.C. SECTION 602A STATES I HAVE A RIGHT TO PRIVACY. 15 U.S.C. SECTION604A SECTION2 IT ALSO STATES NO CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2021-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

On XX/XX/2020 my USAA Visa card was used to make fraudulent transactions at XXXX ( XXXX XXXX for {$450.00} ) and XXXX  XXXX  ( Unknown Item for {$200.00} ). I have not used this card in years. After these purchaes were made, I received a fraud alert text from USAA. I called them and advised them I did not make these purchases, nor did I authorize my card to be used for these purchases. They instructed me to destroy the card immediately, which I did. 

A few weeks later, USAA called me and told me that because I was later able to locate a USAA Visa credit card at my house, and the transaction appeared to be a " card present '' transaction, they were NOT going to classify these purchases as fraud. It is their premise that these purchases must have been made by myself or someone in my household. 

They advised I file a police report and work with the retailers to obtain proof that these purchase were not made by me, someone in my household, or anyone I know. 

Subsequently, I contacted both retailers and asked for their cooperation in acquiring transaction history as well as video surveillance and still photographers of the subject/s making the fraudulent transactions. 

XXXX provided me with the transaction information as well as video and still photographs of the subject. It should be noted that the subject is neither a member of my household, nor anyone I or my wife know or recognize. The Security Manager at XXXX remembers the day this transaction occurred, as the subject also attempted to make a duplicate purchase with another one of my XXXX  credit cards XXXX a XXXX XXXX card I also have not used in years ). That transaction was immediately flagged as fraudulent, and the subject fled the scene. 

The XXXX store is also being very cooperative and I am still waiting for the security manager at XXXX to send me their transaction and video information. 

It should be noted that XXXX XXXX immediately recognized these purchases as fraudulent, however USAA has thus far REFUSED to remove these fraudulent transactions from my Visa account, even AFTER I signed a sworn affidavit and emailed them the transaction history and photographic evidence provided by XXXX. 

These are fraudulent transactions, and USAA is holding ME personally liable for these fraudulent charges In so doing, they are in direct violation of the FAIR CREDIT BILLING ACT ( FCBA ). 

To date, I have submitted multiple disputes to USAA, and made multiple pleas with them via telephone. They remain steadfast in their refusal to remove these fraudulent charges from my account. 

I am seeking the assistance of the CFPB in this matter, in the hopes USAA Federal Savings Bank can be held accountable for their refusal to comply with the FCBA. They are mandated by law to remove these charges from my credit. 

Thank you for your assistance.
Consumer complaint received 2021-11-05
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: DISCOVER BANK (TN)

I have opened a case with the CFPB with Discover as relates to my account and my wifes and both my wife and I have received corespondents from there executive resolution department. Which is listed below, I have emailed, called and received no response on the pre existing CFPB case opened or email and voice corespondents. I have disputed with all three agencies with XXXX simply applying a comment costumer disagreed and XXXX moving my single reported late payment from XX/XX/2021 to XX/XX/2021. Which is totally inaccurate. Below is the.email both my wife and received from Discover on our accounts. I have also attached the payment snapshot showing that there was no late payment in XXXX or XX/XX/2021. This is has been a very hard year for me and my wife due to Covid and we truly love being part of the Discover family but all that is being asked from even the first CFPB cases opened for both me and wifes accounts was that the single late payment being reported be removed from all three agencies. We are both very much aware of are financial responsibility and take it very seriously, which is why we are working very hard to pay our debt off completely starting with my wifes account next week. You can see the schedule payment in your system. 

From : XXXX Date : XX/XX/2021 at XXXX XXXX  CDT To : Executive Office of Discover Financial Services XXXX Subject : Re : Your Inquiry to Discover XXXX, Thank you for your response please let me know if there is anything you need from me regarding this issue. 

XXXX On XX/XX/2021, at XXXX XXXX, Executive Office of Discover Financial Services XXXX wrote : Dear XXXX XXXX XXXX : Thank you for your recent correspondence to the Consumer Financial Protection Bureau ( CFPB ). To ensure the concerns are properly addressed, your correspondence has been forwarded to my attention at the Executive Office of Customer Advocacy within Discover. 

I am currently in the process of investigating your concerns. A detailed response will be sent to you upon completion of my investigation. 

If you have any questions or would like to provide additional information, please feel free to contact me at ( XXXX ) XXXX. I am typically available weekdays from XXXXXXXX XXXX  to XXXX XXXX ET. 

Sincerely, XXXX Executive Office of Customer Advocacy
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CNG FINANCIAL CORPORATION (SC)

Subject : Urgent Request for Documentation and Action Regarding Unauthorized Inquiry and Security Interest Dear Axcess Financial, I am writing to address a concerning matter regarding an inquiry reported by Axcess Financial, which lacks permissible purpose and, as such, constitutes potential identity fraud. Per my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 604 and 605B, I am requesting immediate action to rectify this situation.

Firstly, I require documentation proving that I provided express written consent for Axcess Financial to report the inquiry in question. As there is no evidence of such consent or a court order, I must assert that this inquiry lacks legitimacy and is thus subject to removal.

Per the FCRA Section 605B, a consumer reporting agency must block the reporting of any information resulting from alleged identity theft when identified by the consumer. Therefore, I am formally notifying Axcess Financial to remove this inquiry from my file within four business days.

Furthermore, it has come to my attention that Axcess Financial neglected to inform me of my right to rescission, as outlined in the Truth in Lending Act ( TILA ), specifically Regulation Z ( 12 CFR 1026.23 ). This allows me to revoke any rights waived, particularly those related to the security interest. I am requesting the CUSIP number associated with the security interest provided to Axcess Financial. Failure to provide this information will leave me with no alternative but to initiate a level 3 audit on my account.

I expect prompt compliance with these requests to avoid further escalation of this matter. Failure to do so will be regarded as willful noncompliance and may result in legal action.

Please provide confirmation of receipt of this letter and a timeline for resolution of these issues.
Consumer complaint received 2024-04-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (IL)

I am following up on a previously submitted complaint ( ID XXXX ). The company responded, claiming that my Cash App account was reinstated. However, upon attempting to access my account, I found it remained restricted, contradicting their statement. Despite their communication, which indicated resolution, I am still unable to use my account. The persistence of this issue has caused me significant inconvenience and confusion, and I seek immediate clarification and rectification of my account status.