davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-07
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AZ)

I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any account which was opened without my knowledge, consent or authority. The following items need to be removed as they are fraudulent. 

XXXX XXXX : XXXX XXXX Balance {$47000.00} Inquiries : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX EXPERIAN Collection : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX {$580.00} Inquiries : XXXX XXXX XXXXXXXX XX/XX/XXXX EXPERIAN XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EXPERIAN XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$47000.00} Inquiries : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-08-22
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SUNRISE CREDIT SERVICES, INC (CA)

XXXX XXXX XXXX is attempting to collect fees and invoices bills statements that are pending Class actions law suits. 
C # XXXX C # XXXX LB C # XXXX Sunrise credit services , Inc is defrauding me Sunrise credit services needs to cease and desist any and all void remove any and all collections and derogatory collections attempts and reportings to all credit bureaus XXXX XXXX XXXX XXXX Immediately
Consumer complaint received 2022-06-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (NY)

My loans were forgiven through the public service forgiveness program. I am trying to have the payments that I made during the COVID 19 forbearance refunded to me. 

My loans were consolidated XX/XX/XXXX with XXXX and were previously with XXXX. I consolidated with my fed loan XX/XX/XXXX. They did refund me the payment that was made after my loan was consolidated XX/XX/XXXX. 

However, XXXX is telling me that I did not have loans with them from XXXX. I did and I made several payments to XXXX for these loans. Since my forgiveness, their loan information is no longer on the XXXX website. 

However, XXXX was servicing this loan and payments were made during the COVID 19 forbearance that I am looking to have paid back to me. 

Can you please assist me with receiving a refund of these payments made during the COVID 19 forbearance? 

Since XX/XX/XXXX paid to XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Total paid during Covid forbearance to XXXX {$11000.00} I asked for assistance through myfedloan.com and they said that a refund was issued to your bank account on file on XX/XX/XXXX. It was not. The bank does not have a record of this deposit with any of my accounts. I also think I would notice a deposit of {$11000.00}. 

Thank you for your assistance, XXXX XXXX
Consumer complaint received 2022-06-07
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 XXXX Account # XXXX, Name : XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.
Consumer complaint received 2022-07-14
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Ability Recovery Services, LLC (TX)

XXXX XXXX calls and leaves voicemails at least once per week. On XX/XX/2022 at XXXX EST, XXXX XXXX called and I answered. She informed me she was calling to collect on a debt from XXXX XXXX and asked if I wanted to setup payment arrangements. I said no and asked her to send me records of the debts. 

She said the company would not send me anything, that Ive been disputing the account for years and began calling me names and screaming. She hung up. I called back and asked her to add me to the do not call list and to instead communicate via written letters. I asked her what address she had on file and to update it with my current address. She again began calling me names and yelling telling me to not call her place of employment again. She then hung up after refusing to update the account per my request. 

I called back and she hung up. I called again and she answered and threatened to sue me if I called again, then hung up. I called again and this time was met by a supervisor. I repeated my request in accordance with the FDC act and he said he would add my number to the list. I asked to make a complaint against XXXX XXXX and he said the office was closing up for the day. 

I do not own this debt. Ive supplied the credit bureaus with proof that the debt is resolved with the original owner of the debt and the collection was removed. 

Please see attachments. I was offered a reduced tuition payment and I accepted. My student status was then restored without restriction. 

The collection is not being reported to any of the 3 credit bureaus but this company continues trying to collect.
Consumer complaint received 2022-06-08
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. (NY)

The following hard inquires I have no knowledge of as I did not authorize / apply for any of the following : XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX, XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2022-12-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still an accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm this account ( 1 ). ( A ). 

XXXX XXXXXXXXXXXX
Consumer complaint received 2023-07-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc. (FL)

On XX/XX/2023, I attempted to transfer {$200.00} from my bank account to Cash App. The process failed " for security reasons. '' A call to their XXXX support at XXXX was a waste of time. I satisfied their requirement and provided the security code sent to my phone. The agent read from a script. It was IMPOSSIBLE to reason with her. When asked to speak to a supervisor, none are available. They will only communicate via email. 

The friend I was trying to send funds to said he has about {$1000.00} tied up in their system for security reasons. 

I was fortunate. I do not have funds tied up with them. 

It is a VERY FRUSTRATING experience when you can not reach someone who can conduct a conversation. The representative read from a script. They do not have a supervisor available to resolve an issue. The only thing said was that I did not have a history of transactions. The account is XXXX days old.
Consumer complaint received 2022-06-07
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. (CA)

In accordance with the fair credit reporting act. the list of accounts below has violated my federally consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 
XXXX account # XXXX XXXX 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 consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-07
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. (CA)

In accordance with the fair credit reporting act. the list of accounts below has violated my federally consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 
XXXX account # XXXX XXXX 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 consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (ID)

For months now my XXXX Amazon Credit Card serviced by XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX has been charging interest on each statement even though statement is paid in full each and every month for new charges. 
I do have an interest free transfer I did that expires in XX/XX/2023. 

I call each month and they remove the interest charge and apologize. Last month when I got my statement, I called once again and they removed the interest charge. I told them if happened again I was going to file a complaint. 

I just received my statement and again I have an interest charge that should not be there. 

I believe this is an intentional deception and they are doing it to millions of customers. But so many people dont notice or the amount as so small they say nothing. 

This needs to be investigated and charges brought. Im sure that it could be turned into a class action with a little prodding to the correct legal team.
Consumer complaint received 2022-06-05
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. (OH)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, US SM BUS ADMIN ODAXXXX 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, 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 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

These are fraudulent inquires on my credit report. I never gave permission, or even knew about any of these inquiries.
Consumer complaint received 2022-06-08
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: FC HoldCo LLC (GA)

XXXX purchased XX/XX/2021 From XXXX XXXX XXXX. Then the dealership calls me and tell me after the deal is done a day later saying that XXXX let the loan go back and I had to bring the car up there to resign another contact with another Leinholder they claimed they claimed the interest rate was to high so they had to get me out the contract. So I had to drop the car off there and wait for another deal. They called me and said that the new contract is ready and I can come down. I then went down to the dealership to sign the other contract. I didnt get copies of the original purchase agreement. I ask for copies never received anything. My new leinholder is flagship credit acceptance and they have been harassing me and my family. They unlawfully repossessed my car on XXXX XXXX. Their is know debt owed on this account.
Consumer complaint received 2024-12-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

For months I've asked this company to provide me debt validation, debt verification and proof they have the legal right to collect on debts in the State of Florida which is where I reside. They refused. 

This is collection company Fair Collection and Outsource is currently in committing FRAUD AND ILLEGAL ACTIVITIES and IN VIOLATION OF ; State of Florida Statutes Title XXXIII, Chapter 559, Part VI - Consumer Collection Practices Violation State of Florida Statutes Title XXXIII, Chapter 559, Part VI - Consumer Collection Practices Violation Penalties for violations.Any person violating any provision of this part shall be guilty of a misdemeanor of the first degree, punishable as provided in XXXX XXXX, and the circuit court shall have jurisdiction in equity on the complaint of any interested person to restrain and enjoin the violation of any of said provisions. 

Im currently a resident of the State of Florida. 

XXXX credit report is showing that youll verified this debt with Fair Collections and Outsourcing and their address is XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX The State of Florida states all collection companies trying to collect a debt from State of Florida residents must be licensed with State of Florida Department of Regulation . 

When reviewing the companys registration with The State of Florida Office of Regulation it clearly shows a different address ; therefore, the company reported on my credit report is fraudulent. ( See Copy Below From State of Florida Office of Regulation. 

Address showing on State of Florida Office of Regulation is as follows ; Business Main Address and Business Mailing Address XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX
Consumer complaint received 2022-06-07
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. (SC)

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 # 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 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, US DEPT OF EDXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights XXXX 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-07
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 XXXX  Account # XXXX, Name : US Dept Of Education, has violated my rights. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.
Consumer complaint received 2022-06-07
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. (NC)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, Name : US Dept Of Education, has violated my rights. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.
Consumer complaint received 2023-03-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica (TX)

On Friday, XXXX I attempted to withdraw {$1000.00} from Direct Express card to deposit {$500.00} in Comerica account. I was advised unprofessionally by XXXX XXXX who stated she was the bank manager & consistently refused to give me the name of who she reported to. I kept asking & insisting & she finally gave me a name. She said I could not use the indoor banking service, which is always poorly handled having to wait extended periods of time always, because the spelling of my name didn't match. I advised her to check my records upon opening the account & she said it was incorrectly done. I showed her my records from last month from this location, XXXX XXXX XXXX, XXXX, TX without a problem mentioned. She said she decided not to mention anything out of courteousy but I needed to change the " government issued '' spelling to match my other cards. I told her my Texas Driver 's license was a state issued ID but my government issued social security card matched my social security ID information. She insisted that was not sufficient for her & I would not be allowed to handle my banking business except for going outside & drive to the ATM machine. I told her I needed {$1000.00} & she said it could be done at the ATM. The maximum at the ATM was {$800.00} which she didn't specify. I made a second attempt for the {$200.00} & did receive it then. On Sunday, XXXX I went to the location in XXXX to deposit {$250.00}. I withdrew {$500.00} from the ATM using the direct express card & attempted upwards of 5 times, using the same cash from the ATM just received to deposit using the Comerica debit card. The error message stated the cash could not be accepted. My immediate thought was XXXX XXXX had a flag placed on my account to not receive my deposits or transactions.
Consumer complaint received 2022-06-07
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. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX 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 consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-07
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: Commercial Acceptance Company (PA)

In accordance with the fair credit reporting act. The list below has Below has violated my Federal Protected consumer rights To privacy and confidentiality under 15 USC 1681 rights. 

Commercial acceptance co XXXX XXXX 15.U.S.C 1681 section states i have the right to privacy. 15 U.S.C 1681 Section 604 A section 2 : states. Its also states consumer reporting agencies can not furnish account without my written instructions. 15 U.S.C 1681c [ a } [ 5 } Second states no consumer report agency may make any consumer reporting containing any of the following items of information any other adverse items of important. Any other items 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 a consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.