davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (TX)

The FDCPA forbids the harsh, dishonest, and unjust techniques that this debt collector used. They provided this account, which I did not sign and on which we did not agree. I did not take part in any of the signings that two parties make in a legal contract. Furthermore, they didn't follow the right 5-step validation process, which makes their actions unjust. I am entitled to {$1000.00} under the FDCPA for each breach, and it is obvious that my rights were infringed.
Consumer complaint received 2022-06-13
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. (TX)

In accordance with the Fair Credit Reporting act, 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 2018-10-05
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Franklin Collection Service, Inc. (MS)

First of all I went to the ER with chest pains. I was told I needed observation over night. All this added up to a huge bill in the end but instead of sending a single bill ... I was hit with more than 5 split up Bill 's  which are harder to deal with for one you arent sure the direction it came from and exactly who you owe and for what. After giving my ins. Co.any time to pay which didnt help much because there is a HUGE deductable which I dont understand because I pay a huge amt each paycheck for the ins. For it not to help me much. I gathered the Bill 's and attempted to set up monthly payments for those I could not afford to pay In full. Only later finding out that I'd have to contact each one each month because they wont set up a way to pay automatically each month. Well.. since i missed a month i was turned over to collection agencies. Most handled my payments correctly and agreed to accept whatever i could pay except for this one company. I told the lady when she called i would like to set up payments but she told me i had to pay it in full or th here was one other option. I could pay half my bill up front then pay monthly but the half I pay up front does NOT come off the bill. I told her that was crazy! Nobody in their right mind would agree to this and I'm really trying hard to pay my debts. She said if you dont do this it's going into litigation or something of sorts. 
I'm paying the hospital alone over XXXX and they accept payments. This company I owned less than XXXX and they wont accept a payment. I'm also saying other Bill 's out of my pocket at the same time because every part of the bill was split up! Insurance is a joke! You pay out the wazoo and still owe everybody! If I was on government healthcare I wouldn't even have a deductable or a payment! It's not fair! Anyway.. the company is called XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX MS. XXXX Bill amt. XXXX. 
Thank You.
Consumer complaint received 2022-06-13
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. (TX)

In accordance with the Fair Credit Reporting act, 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 2024-11-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, Kentucky XXXX Date of Birth : XXXX Last 4 of SSN : XXXX XXXX Dispute of Unauthorized Credit Inquiries.

To Whom It May Concern, I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). After reviewing my recent credit report, I have identified the follow
ing inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX. XXXX XX/XX/year> XXXX. XXXX XXXX XX/XX/year> XXXX. XXXX XXXX XX/XX/year> XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. Enclosed is a copy of my identification to verify my identity. I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

The inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith..

Here I attach, along with the dispute, my fraud report that I just sent to transunion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity. 

Best regards, XXXX XXXX XXXX
Consumer complaint received 2023-12-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (AZ)

Cashapp denied real fraudulent charges worth {$400.00} on my card and even thought I provided overwhelming evidence they didn't even investigate and in less than 24 hrs they denied my claim. Cashapp needs to be shut down this happens alot to people where they deny fraudulent claims and do not investigate claims whatsoever. They also restricted my account $ XXXX beacuse of my claims submitted they said they can't give a reason as well which is unbelievable and ridiculous and banned my cashcard and threatened to ban my account for 0 reason.
Consumer complaint received 2022-11-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (CA)

I HAVE NO IDEA WHAT ACCOUNT I OPENED IN XX/XX/2022. I ACTUALLY HAVE A CURRENT ACCOUNT WITH XXXX XXXX AND XXXX. I AM NOT AWARE OF THIS OTHER ACCOUNT OPENED IN XXXX. SOMEONE IS PROBABLY IMPERSONATING ME.
Consumer complaint received 2021-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

The following hard inquiries are not linked to a live account and I did not authorize the inquiries need them removed immediately. 
Consumer XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Ar XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX ( Duplicated twice ) XXXX and XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX  Mortage Service XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XX/XX/XXXX to XXXX and XXXX and XXXX and XXXX ( did not authorize any inquiries ). Just abusing reporting without authorization
Consumer complaint received 2020-04-27
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

refusal to delete UNVERIFIED information from my consumer file. 

I have sent 4 letters to the credit bureus ( Experian, on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). In the results of their investigations, they stated in writing that they verified that unverified items are being reported correctly? Who verified these accounts? They have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore they 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 they are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2022-06-13
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. (FL)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNT XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNT : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNT : 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 2022-06-13
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. (TX)

In accordance with the Fair Credit Reporting act 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX 1. XXXX XXXX XXXX  Account number XXXX 2. XXXX XXXX Account XXXX 3. XXXX Account number XXXX 4. XXXX XXXX XXXX  Account number XXXX 5. XXXX XXXX Account number XXXX 6. XXXX XXXX Account number XXXX 7. US DEP ED Account number XXXX 8. US DEP ED Account numberXXXX 9. USDOE/XXXX  Account number XXXX XXXX 1 XXXX XXXX XXXX XXXX Account number XXXX 2. XXXX XXXX Account number XXXX 3. U S DEPARTMENT OF ED Account number XXXX 4. U S DEPARTMENT OF ED Account number XXXX 5. U S DEPARTMENT OF ED Account number XXXX 6. US DEPARTMENT OF EDU Account number XXXX 7. US DEPARTMENT OF EDU Account number XXXX 8. US DEPARTMENT OF EDU Account number XXXX 9. US DEPARTMENT OF EDU Account number XXXX 10. US DEPT. OF EDUCATIO Account number XXXX 11. XXXX XXXX XXXX  Account number XXXX 12. XXXX XXXX XXXX Account number XXXX 13. XXXX XXXX XXXX Account number XXXX 14. - Account number XXXX Experian 1. XXXX XXXX Account # XXXX 2. XXXX XXXX  Account # XXXX 3. XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX 4. XXXX XXXX ACCOUNT # XXXX 5. XXXX XXXX Account # XXXX 6. XXXX XXXX XXXX  Account # XXXX xx 7. XXXX XXXX XXXX Account # XXXX XXXX  8. XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2024-10-03
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. (FL)

Good day, I wanted to know if I am eligible to receive the relief from Navient. I know they were once my service provider for sometime and I was under the forbearance for long term. In addition now my student loans Incurred more interest and I fear I cant pay my debt. 

Also, my address has changed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Thank you XXXX XXXX
Consumer complaint received 2022-07-18
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report # XXXX. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX NC XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/XXXX, I tried to use my PayPal to cash a check mobilly. PayPal has partnered with XXXX money services to perform these tasks. I entered into my secure PayPal app, and followed the directions for instant deposit, taking a photo of the front and back of the endorsed check. I then received a message from XXXX with the PayPal logo that they were ready to deposit the money into my PayPal, but first I needed to write VOID in big letters across the front of the check. I did so, and used my secure PayPal app to send the photo. However no matter how many times I tried, the app would not accept or approve my picture. It appears that the app is flawed or has a programming issue. When I take my picture, the app enters another screen and then flips vertically, then horizontally, and when it goes back to verticle, the image file is gone and the app says I still need to take a picture. No matter how many times I take the picture, I can't get it to send. I called PayPal, who told me they could do nothing and to call XXXX. I called XXXX and emailed and when I did they said it was because I quit the app and it turned out. I tried to tell them I never quit the app and that it seemed like a programming issue because the window kept resetting but they wouldn't listen and just told me to go try again. I did try again and the same issue is happening. An hour after submitting my check XXXX sent me a message saying the transaction was declined because they never received an image of my voided check, but not to worry because the check was still valid and I can't try elsewhere. Of course, that's not true, the check is no longer valid since I wrote VOID across it in big letters. Now the check is worthless, PayPal will do nothing and XXXX is unreachable in any timely matter, and they seem not to listen to the problem. Thank God that this was only XXXX  dollars lost, I have two other checks here I was going to cash with the same method totalling over 400 dollars, which would have been a huge load for me. XXXX should not be asking people to write VOID across the checks if they are not going to accept the photo or be available to resolve the issue before they decline the entire transaction.
Consumer complaint received 2022-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/2022 I received a text message from Bank of America asking to authorize a XXXX transaction for {$3400.00}. I replied no. I then got another text saying someone would contact me. The Bank of America customer service phone number called me so I answered and spoke to the person claiming they worked for the bank. I told them I did not authorize any payments on XXXX and Ive never used XXXX. They had all of my personal information and used it to send {$650.00} to me from my own account. I received emails stating I sent the money and that I received the money which I did neither. The {$650.00} was taken out of my checking account. If I sent myself money it would still be in my account. I filed a fraud claim with Bank of America and they responded saying I am unable to get refunded that money because I made the transaction. I never made any transactions, I have filed police reports because the money was stolen without my authorization and Bank of America is refusing to credit me the funds. I am still receiving texts from Bank of America enrolling me in XXXX which I am also not doing. A Bank of America rep verified the numbers sending me correspondence but claim its not them. According to regulation e and the XXXX I am not liable if my account gets hacked, has fraudulent activity or gets scammed. I should be refunded and they are refusing.
Consumer complaint received 2022-06-13
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. (DE)

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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.
Consumer complaint received 2022-06-13
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. (VA)

on the date of XXXX i submitted a dispute to Experian in reference to the incorrect information that was listed on my consumer report which is hindering me from advancing in my life. I am currently in the process of purchasing a home and due to the incorrect data i am unable to move forward in that process. The most stressful part of it all is that my information was included in the XXXX data breach and it seems as though Experian is unconcern about that fact. The proof shows in the fact that it is nearly 60 days from the date of my initial letter which was sent via usps certified mail which shows the date that my letter was received and that date was well over the allotted 30 day timeframe. it also gives the impression that my right to dispute the incorrect data on my consumer report was violated. AN investigative consumer report is supposed to be completed as well as not include specific factual information. experian responds with that the thought that it is not me who is disputing my incorrect data on my consumer report which i include my photo id and a proof of address ( bill ) to confirm that i am who i say i am. i have also attached those documents showing proof of who i am in with this here complaint. CFPB please ensure that experian honor my right for me to dispute the incorrect information on my consumer report and due with the fact that they did not investigate remove all the incorrect data that i disputed
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MS)

15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1.00} 000 per violation 15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Delete this account immediately, unless you want to be held {$1.00} 000 per violation 15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX XXXX Past due : {$24000.00} Late XXXX XXXX XXXXXXXX XXXX Other Loan Past due : {$490.00} XXXXXXXX XXXX XXXX XXXX Other Loan Past due : {$3100.00} XXXXXXXX XXXX XXXXXXXX XXXX  Other Loan Past due : {$760.00} XXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXX Past due XXXX {$11000.00} ChargeOff
Consumer complaint received 2022-04-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This all started back in XXXX. I have sent them over 17 documents in the past months and have sent they 9 more since then. They keep coming back to me with more an more updates. I'm almost done with them. They keep getting high interest from me every month. They will not even help me get my credit report activated again. I have sent them a letter requesting them to put me back on the credit reporting. And they have refused me. They have also said to me that they need clarification over and over again. This should have not taken 9 months to do. I have sent them month after month of Bank Statements. I need your help with this please! Thank you, XXXX XXXX
Consumer complaint received 2022-06-10
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. (MS)

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

15USC 1681 Section 602 States that I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.