davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (FL)

I had to break a lease early due to domestic XXXXXXXX issues. I provided the police reports and an official letter letting them know what was going on and that I was going to break the lease, but they never got back to me. I sent them a USPS letter, fax, and email but never got a response back. They placed a collections account on my credit report and never communicated anything to me, or even sent me anything regarding the " owed : amount. Per Arizona law, we allowed breaking the lease early without any penalty fees if there was a domestic XXXX issue ( which there was, but they still are attempting to collect over {$2400.00} for no reason. ) Once this complaint is dealt with, I am going to contact the Arizona attorney general and report XXXX XXXX Apartments for violating " A.R.S 33-1318 - Early termination by tenant ; domestic XXXX ; XXXX assault ; requirements ; lock replacement ; access refusal ; treble damages ; immunity ''. 

Thank you.
Consumer complaint received 2023-11-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (OK)

I take my credit very seriously and set up autopay with Aidvantage early on, before the forbearance ended. Received confirmation on XX/XX/ that my payment was received then several days later I received a notice that my account was overdue. I could not figure out what happened. Eventually I found within my account that my payment had been reversed. I tried to make a separate larger payment and then the same thing happened. I then deleted my banking information and re added it thinking I could have entered my account incorrectly or something. But yet again after it processed I received a thanks for your Payment email but then found it was reversed again. Im very frustrated because I feel Im being unfairly charged interest/fees when Im just trying to pay. I also want to take advantage of the .25 % interest reduction for autopay. Lastly I have mailed a check and hopefully it will work. This is the same bank account Ive had for decades I recently had autopay on a car loan and use it for credit cards and it was even the same one that I had for fed loan for the same loans before all these serviced charges happened. This is pretty ridiculous and causing me undue frustration. 
I have tried calling and just witnessed a long wait and never talked to anyone. I emailed and never got anything back.
Consumer complaint received 2022-07-29
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: Experian Information Solutions Inc. (CA)

I attempted to get a car loan and there was a lot of hard inquiries.I filed with identity theft.gov. 

FTC Report Number : XXXX I am a victim of Identity theft. This is my official statement about the crime. 

Contact Information First Name : XXXX XXXX Name XXXX XXXX Last Name : XXXX Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Phone : XXXX Email : XXXX Personal Statement XXXX  XXXX XXXX XXXX XXXX XXXX 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 Accounts Affected by the Crime Other Identity Theft Company or Organization : Date fraud began : Date that I discovered it : Total fraudulent amount : {$0.00} Fraudulent Information on Credit Reports Accounts or Charges Yes, fraudulent accounts or charges appear on my credit report Credit Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. 

I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 

XXXX XXXX XX/XX/2022 Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police.
Consumer complaint received 2022-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

In accordance with the Fair Credit Reporting act XXXX 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 602 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 


Account : XXXX XXXX Account number:XXXX Account balance : {$360.00} contact address : XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX number : ( XXXX ) XXXX
Consumer complaint received 2022-07-24
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. (MI)

In accordance with the Fair Credit Reporting Act XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a customer Reporting agency cannfurnish a account without my written instructions.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX Balance : - XXXXXXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXXXXXX Balance : - XXXXXXXX XXXX  Inquired on XX/XX/20XXXX XXXX XXXXXXXX XXXX : {$1600.00} XXXX XXXX XXXX XXXX XXXX : {$23000.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX : {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX {$23000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : -
Consumer complaint received 2022-04-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

This complaint refers to a previous complaint, ID XXXX, that Chase did not address. 
In their previous response, Chase referred to their Digital Services Agreement to justify their right to delay, block or cancel a payment. However, Chase did not explain why they gave misleading information, at multiple times. 
Chase blocked a wire transfer that I initiated on-line on XX/XX/2021, and specifically asked for missing information such as my Name, Address, DOB, XXXX. All information was submitted twice, both on-line and at the branch. Each time, there was an acknowledging email message, confirming a response would be sent to me within 2 days. In addition, the Chase branch manager, upon contacting the Chase XXXX XXXX department, told me that a reply would be available within 2 days, as he confirmed in his letter XX/XX/2021. The bank never provided any explanation.
Consumer complaint received 2022-04-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ALLIANT CREDIT UNION (VA)

I applied for a preapproval for a mortgage with Alliant Credit Union on XX/XX/XXXX. I received one email from a loan officer seeking additional information on XX/XX/XXXX, but nothing afterwards. I followed up with the loan officer on XX/XX/XXXX and XX/XX/XXXX by email and phone, but still received no response. I sent a letter to Alliant to complain on XX/XX/XXXX, but two months after sending the complaint letter they have not responded, and I still have not been informed of the status of my application or whether it was approved or denied. If my application was denied, I would have been disappointed but would have moved on. However, to just ignore an applicant is very frustrating.
Consumer complaint received 2022-07-24
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. (KY)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX Bank account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX Funding account # XXXX, XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written permission.
Consumer complaint received 2022-07-24
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have submitted disputes to you and I didnt get a response within 30 days. It is required by law to do so. Please investigate my disputes, please. Thank you.
Consumer complaint received 2022-04-01
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Porsche Financial Services, Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2022 Porsche financial SRVC XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Dear Porsche financial srvc, I am responding to your contact about collecting a debt. You contacted me by [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the months of XXXX through XXXX and identified the debt as charge off debt of XXXX. I do not have any responsibility for the debt youre trying to collect. 
If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. Where is the proof that I signed for these cars with my personal signature and ID? I would also like for these two debts to be removed from my report. I did not authorize these cars on my report. 

Thank you for your cooperation. Sincerely, XXXX XXXX
Consumer complaint received 2023-11-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (GA)

Like I said I my last report I ended up paying XXXX different scammers using cash app because was trying to buy a particular vehicle that was being advertised on the XXXX platform. When I realized that I had been scammed I reported the individuals and reported their accounts and all cash told me was the transactions has been completed and its nothing they could do. Im reporting Cash app for the second time because they denied my request and they trying to get out of refunding my money back into my account.
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-07-24
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. (GA)

To whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law toverify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. I demand that the following account be verified or removed immediately : 1. The inquiry was not authorized CREDITOR Please remove it from my credit report. 

I respectfully request to be provided proof of thisalleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. 


Thank you, XXXX XXXX
Consumer complaint received 2022-04-01
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: T.S. Holdings (AZ)

I have already reached out with certified mail with tracking of the recipient to IQD You IQ DATA INTERNATIONALXXXX XXXX XXXX XXXX XXXX XXXX  BROKE NUMEROUS LAWS INCLUDING 15 USC 1681 ( b ) ( 2 ) permissible purposes of consumer reports section 2 states 'in accordance with written instructions of the consumer to whom it relates '' ... you are only allowed to furnish anything on my credit report if you have written my written consent. you furnished derogatory information on my file which has ruined my financial reputation. furthermore you also are in violation of 15 USC 1692 ( g ) by not communicating to me of the alleged owed debt first. your first point of communication was on my consumer report as my proof shows you reported on my credit XX/XX/2022, Then you reached out to me on XX/XX/2022 A DAY LATER. that's against my individual right to privacy. ALSO this is false and misleading representations pursuant to 15 USC 1692e showing a positive balance of XXXX. I the consumer can not pay on a positive balance is this a balance you owe me? remit payment to me as you are required you have 30 days from this notices to respond. All docs were signed and ready for possible litigation I don't want to result to this but I have no choice but to protect myself as the consumer and natural person this has been an infringement upon my rights and has been a form defamation of character, negligent Enablement of identity if Fraud, FDCPA 15 USC 1692G, FDCPA 15 USC 1681 violations for willful non compliance 616. civil liability for willful noncompliance ( 15 USC 1681n )
Consumer complaint received 2022-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (TX)

American Express has failed to resolve this issue after 65 days. 

In XX/XX/XXXX American Express informed me that one of my 2 accounts was overdue, although I have consistently directed payment from my bank account to each of 2 accounts at American Express, one paid {$45.00} on the XXXX of every month and the second paid {$45.00} on the XXXX of every month. There has been no change whatsover in my monthly payment patterns. 

In XX/XX/XXXX I responded to this incorrect accusation by telling American Express in several phone calls that they were erroneously applying one of my 2 account payments to the wrong account. 

Their only response to this complaint was to start denying my current charges on both accounts, including the one where they were accruing payments incorrectly, and where credit must be shown to be available. 

In addition, I have been locked out of my accounts on the American Express website. When I called to demand paper statements via mail on both of my accounts, American Express failed to respond. Accordingly, I have been denied records that can prove my case against American Express ( other than my own bank records, which are very clear ). 

CFPB can examine their records and see that this is not the first time American Express has done this. I made an identical complaint to CFPB in XXXX, as well as in XXXX and in XXXX. 

By my account, this is the 4th time American Express has deliberately allocated payments incorrectly on my 2 accounts, and each time they have acrrued incorrect fees for an extended period of time. 

Either American Express has a serious security problem on my account records, or they are deliberately continuing a lengthy pattern of abuse on my accounts. 

Several times American Express has sent incorrect information to the credit reporting agencies and has been forced to retract. 

I strongly urge CFPB to examine American Express consumer practices and to deny them the opportunity to open new accounts until such time as all cases such as mine have been corrected with full compensation repaid to all consumers filing complaints. 

XXXX XXXX XXXX filed XX/XX/XXXX XXXX
Consumer complaint received 2024-10-14
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Law Office of Michael J. Scott, PC (TX)

Debt collectors filed lien, reported and threatened to sue for debt not owed and or paid in full! I am a victim of the XXXX XXXXXXXX XXXX Data Breach.
Consumer complaint received 2022-06-15
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: Experian Information Solutions Inc. (IL)

I can not access my free Credit report, it just shows up as error on the computer, and told me I couldnt access it when I called. 

I need to access it because my banker said my social security number does not match up with my name or address! And I dont know what else to do.
Consumer complaint received 2022-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

It is so distressing and you have no idea how bad it is, XXXX an honest man working my way off honestly, then I look at my credit report all I see are false, incorrect and inaccurate information being reported under my name. As a consumer I know I have rights and protections but that seems to be a lie and I want to uphold that right under the law as long as I can even though it is already impacting my life and credit negatively and I need your help to set things right, sick and tired of living paycheck to paycheck with my credit applications being denied because of these errors.
Consumer complaint received 2022-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MS)

Experian continues to report an account inaccurately, when XXXX and XXXX reports it as been paid and closed. The account type doesn't match, date opened doesn't match, high credit doesn't match, credit limit does match, payment status doesn't match, last reported doesn't match, date last active doesn't match, date of last payment doesn't match. All of these things should match across all XXXX credit bureas and they do not. 15 U.S.C SECTION 604 A SECTION 2 STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 
15 U.S.C SECTION 604 A STATES I HAVE THE RIGHT TO PRIVACY.