davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-14
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: Experian Information Solutions Inc. (TX)

In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2.

ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2018-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX reported a debt that they claim was owed by original creditor, XXXX XXXX XXXX XXXX. However, I was never notified of the debt prior to either company negatively reporting the negative balance. I contacted the original creditor and paid the balance owed in full ( XXXX - confirmation number ) with a verbal promise they will update my record with the collection agency.
Consumer complaint received 2019-01-20
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. (MO)

Please remove me from an account that's closed and listed me as an authorized user inwhich I know anything about, the account to be removed is XXXX XXXX, opened XX/XX/XXXX,
Consumer complaint received 2019-01-20
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. (MO)

I have accounts that's reporting on my credit report inwhich I have absolutely no knowledge of and respectfully requesting that they be blocked due to them obviously being someone else 's. And in accordance with the FCRA law, I'm requesting physical documentation with dates and signatures to collaborate what the agencies are reporting. So what I'm saying here is that I have no contract with the following companies ( 1 ) XXXX XXXX XXXX for {$120.00}, {$120.00}, {$1000.00} ( 2 ) XXXX XXXX XXXX, {$1000.00} ( 3 ) XXXX   XXXX XXXX, {$920.00} Please Block All the above accounts or send me physical documentation of such.
Consumer complaint received 2019-01-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Bureau Services Association (TX)

XXXX XXXX2018 I pulled my credit and saw CBSA collections listed for {$3700.00}. I contacted the credit beurus and CBSA to have it removed as I do not know of this debt. XXXX XXXX2018 I sent certified letters to the collection agency asking for validation of this debt containing any contract I signed with this company or proof of their right to collect on this debt and the amount that they are requesting. They responded with a typed itemized bill which does not consitute as validation per FDCPA. I have no contract with CBSA nor do I owe the debt they are claiming. They have not able to provide any document that I have requested to prove my ownership. This needs to be removed from all 3 credit beurus  immediately.
Consumer complaint received 2020-09-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc. (TN)

XXXX I filed a previous complaint and it was closed. I am responding to Cash App feedback. The financial institution did not acknowledge the account was hacked and I did not enter the pin. By the time a representative responded to me I did not have any money in my account. The hackers were attempting to get money from my personal account. I was busy trying to protect my personal account. Now, I am being told no favor for money I put into this financial institution, my money onto their pre-paid card.
Consumer complaint received 2020-09-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc. (NY)

Square Cash, Inc without notice keeps blocking my transactions because I am a verified XXXX on XXXX with donations and transactions via Cash App. 

i recently ordered a Cash Card online on XX/XX/XXXX and they sent it and was severely delayed on the mail and i reordered one which the first one didnt came in after 3 weeks like after the XXXX i recieved from first time then i activated the first one while i recieved the second one after the XXXX shipped and i revieved it like a week later. 

today on friday XXXX the XXXX I was gon na send {$80.00} for a friend of mine and i used emojis. also they somehow like to block me and force verify me taking my info for their data misleading information of policy and sweepstakes. never won anything and misleading marketing tatic when they have NO LIVE SUPPORT ON THE PHONE AND SEVERE DELAYS ON SUPPORT. I recommend investigating Square Cashs Business tatics and force them to stop i mean STOP BLOCKING my transactions AND GLITCHES ON ACTIVATIONS ON CASH APP PLEASE!!!
Consumer complaint received 2018-11-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH (CO)

I made 6 withdrawals in one statement period from my money-market account at XXXX ( the online version of IberiaBank ). 

I was charged a {$15.00} fee for too many withdrawals. I called them twice, and they said that because 7 withdrawals were made in XXXX, that I exceeded the maximum number. 

But those are not the rules established in Regulation D of 12 CFR 204. The rule is not " monthly withdrawals, '' it is " per statement period. '' My statement period was from XX/XX/2018 to XX/XX/2018, and I made exactly 6 withdrawals in that time period : XX/XX/2018 - withdrawal for {$100000.00} XX/XX/2018 - withdrawal for {$1100.00} XX/XX/2018 - withdrawal for {$10000.00} XX/XX/2018 - withdrawal for {$5100.00} XX/XX/2018 - withdrawal for {$100000.00} XX/XX/2018 - withdrawal for {$4200.00} Their response was that I made another previous withdrawal in XXXX : XX/XX/2018 - withdrawal for {$10000.00} And therefore they charged a {$15.00} fee. But this is not correct, because that withdrawal was in the previous statement period. 

On the phone they said they couldn't reverse the charge and transferred my call to a " department '' that never picked up the phone. 

I have all of the statements and will provide if needed.
Consumer complaint received 2019-01-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Hunt & Henriques (CA)

Hi.Legal recovery law office representing XXXX XXXX got a default judgment on a credit card debt in XX/XX/XXXX. They had a bank levy and started wage garnishment immediately. On XX/XX/XXXX I received a letter from Law offices of Hunt and Henriques. stating that that they are now representing XXXX XXXX with still a balance of {$9700.00} and the last payment they received was in XX/XX/XXXX. ( Wage garnishment started in XX/XX/XXXX and is still ongoing ). I have on numerous occation asked for a payment history but they keep sending the original Judgment. I believe either the judgment has been paid or being closed to being paid off. I would like The law office of Hunt and Henriques to provide some clarity on this judgment and a payment history please. Thank you.
Consumer complaint received 2019-01-20
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. (NV)

I was recently looking at my credit report there is an account the was delete and was sold to another collection agency and it is not my account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I DEMAND A RE-INVESTIGATION. 
I would like to know what was the method of verification ( mail, phone, E-Oscar, email ) FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) Disclosures to Consumers Information Available to Victims. This slow or unresponsive method is unacceptable. I request to see ONLY original contract wet ink, proof of ownership ... ..anything else I will consider the account as unverifiable and should be deleted!
Consumer complaint received 2019-01-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc. (TX)

Today XX/XX/19 I attempted to make a purchase at XXXX for {$2.00} and get {$100.00} cash back. My transaction was declined in the store. I checked my balance on their app and it still showed {$210.00}. I went to another register. Attempted to purchase {$5.00} worth of stuff with {$100.00} cash back and was declined I tried again and was declined I went to the ATM and was giving a message about reaching my daily limit. I then get an email saying the previous XXXX declined transactions were completed in my account and my funds were taken although I never competed any purchases. This company doesnt have live customer service. I was trying to buy groceries for myself and my XXXX daughters. Needless to say I was on able to buy the groceries. I also needed to pay for my laptop that is in the pawnshop today by XXXX XXXX that now has not been done that was the reason for me trying to get cash back. After sending several emails trying to get help all I was told is it will take XXXX hours. Now after waiting several hours I still do not have my money nor has the company provided an XXXX as to when the funds will be returned they took my last money and I need it back immediately.
Consumer complaint received 2019-01-20
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN ADJUSTMENT BUREAU,INC. (NJ)

Today, XX/XX/19, I received a hang up phone call from American Adjustment Bureau. I have notified them twice that 1 ) there was no date on there attempt to collect a date and 2 ) this is not my debt, please stop contacting me. I have numerous letter and have had numerous phone calls since my notifying them.
Consumer complaint received 2018-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

SINCE XX/XX/XXXX I HAVE SERVED XXXX XXXX MILITARY STATUS WITHOUT INTERRUPTION AND HAVE BEEN PROTECTED UNDER THE SCRA THAT ALLOWS SERVICE MEMBERS TO HAVE FEDERAL STUDENT LOANS DEFFERED. IN XXXX OF XXXX XXXX DENIED MY DEFFERMENT THAT THEY THEMSELVES NOTIFIED ME WOULD BE EFFECTIVE UNTIL XXXX OF XXXX. REGARDLESS, THE SCRA STIPULATED MY PROTECTION AND RIGHT TO DEFEREMENT AND XXXX AGREED AND THEY ARE BREACHING THIS RIGHT. MY LEGAL REPRESENTATIVE AT THE OFFICE OF THE STAFF JUDGE ADVOCATE AT XXXX XXXX AGREES THAT I AM ELIGIBLE FOR MILITARY DEFEREMENT, SEE BODY OF EMAIL TO XXXX BELOW -- -> Dear XXXX XXXX , There is currently a war in XXXX and has been since XX/XX/XXXX. XXXX XXXX has been on XXXX XXXX since XXXX XXXX, XXXX. I have attached a copy of his SCRA report. I previously submitted copies of his orders. 

The applicable regulation does not require that XXXX XXXX be XXXX, just that he be serving during a war. 

34 CFR 674.34, at paragraph ( h ) states : ( 1 ) The borrower need not pay principal, and interest does not accrue, on a Federal Perkins Loan, an NDSL, or a Defense Loan, for any period during which the borrower is -- ( i ) Serving on XXXX XXXX during a war or other military operation or national emergency ... 

Please let me know if you have any questions or need further information. Please note : I am out of the office XX/XX/XXXX - XXXX. 

Best Regards, XXXX XXXX, XXXX. 
Office of the Staff Judge Advocate Chief, Client Services Division XXXX XXXX, AZ Ph. ( XXXX ) XXXX XXXX THE RESULTING DELENQUENCY HAS DAMAGED MY CREDIT REPORT WITHOUT CAUSE
Consumer complaint received 2019-01-19
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. (OH)

On XX/XX/2019, I saw an ad for Emollient moisturizer on XXXX that claimed a risk free use of the product if you paid the shipping fee only of {$4.00}. It was endorsed by the XXXX XXXX XXXX show personality. It said that it would show on my bank statement as XXXX XXXX as the vendor name. So I paid the shipping fee of {$4.00} and also paid for the Emollient eye cream for the same deal as the moisturizer at {$4.00} shipping fee. However, when I checked out there was a {$1.00} charge for recycling fee added to the shipping fee for the moisturizer which when I received the moisturizer it didn't even come in a box. I haven't even used the products yet because I'm waiting for my current moisturizer and eye cream to run out. So fast forward to XX/XX/2019, I look at my bank account on line and find that there is a pending charge for {$79.00} from XXXX XXXX. So I call the phone number that is on my bank statement ( XXXX ) and speak to a customer service representative that says in the fine print at the very bottom that I had 14 days to cancel my subscription for the product and get a refund for the two products that I ordered. I asked if I could return them since I had not used them yet and he informed me that it would be a restocking fee so well as two week process time and another {$10.00} for a shipping fee. I told him I had no idea that you had to cancel within 14 days not to be charged. I thought risk free meant just that -- risk free. In my research to find the website on the internet and XXXX I have found out that this is widely known scam on XXXX and that there are warnings from bloggers not to fall or buy from these sites. I would like a full refund of the {$79.00} plus the two {$4.00} charges for shipping and the {$1.00} recycling charge and I will gladly send the products back at my own cost at the address the seller provides. Thank you!
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

This letter is a formal request regarding the student loan debt ( s ) that you have reported on my consumer credit report. Please be advised that this is NOT a refusal to pay but a request sent pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ). I am disputing the validity of the alleged debt ( s ), and I am requesting proper validation. 

This is NOT a request for mere verification of my mailing address or other peripheral information, but a formal demand for competent evidence that establishes my legal obligation to pay this debt and the right of your office to report it to consumer reporting agencies. 

Specifically, I request the following : Account Name : XXXX XXXX Account Numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Account Name : XXXX XXXX XXXX Account Numbers : XXXX, XXXX, XXXX Account Name : XXXX XXXX Account Numbers : XXXX XXXX XXXX 1. Proof of Debt : I respectfully demand that you provide a copy of the original wet-ink promissory note or other documents that serve as the foundation of the alleged debt ( s ) you claim I owe. The absence of such documentation violates my rights under the FCRA, FDCPA, and any applicable state laws. You must provide evidence proving your legal authority to report this debt.

2. Failure to Provide Proof : Should you be unable to furnish the original promissory note or other valid documentation within 30 days from receipt of this letter, I request that you immediately cease reporting this account to any and all consumer credit reporting agencies and remove it from my credit file. The continued reporting of unsubstantiated debts is a violation of the FCRA and may also constitute fraud. If no response is received within the 30-day window, I will pursue all available legal actions to ensure compliance.

3. Correction of Consumer Report : If your office decides to remove the accounts from my report, I request written confirmation of this removal, along with written verification from the credit bureaus that the accounts have been deleted.
Consumer complaint received 2019-01-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: COAST PROFESSIONAL INC (CA)

Between the years of XX/XX/XXXX and XX/XX/XXXX, the college I attended ( XXXX  University ) offered a direct private student loan to bridge the tuition gap that my Federal Student Loans did not cover. After XXXX  in XX/XX/XXXX, I was suprised when I received a letter in the mail that the private student loan portion was due immediately, instead of the usual 6 months until AFTER XXXX. I was unable to pay as I was unemployed for nearly a year after XXXX. By the time I eventually did get employement and had the ability to pay, it was too late - the school had sold the debt to a third party collection agency, damaging my credit. The main problem is I have received minimal to NO communication from this third party collection agency other than a single notice in the mail that the entire balance was due. I reached out to my school directly if I could come to an agreement with them, but they simply told me there is nothing else they can do and I have to deal now with the third party collector instead. Now I don't know who currently owns this private student loan debt as I have not received any communication on it for almost 2 years and don't know who to reach out to, and the school offers no additional help. This account is still on my credit report as a derogatory and has prevented me from being able to request any kind of credit, even things as simple as a credit line increase, much less a loan for a dependable car.
Consumer complaint received 2019-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (FL)

I opened up a Blue Business Plus Credit Card from American Express with a welcome-offer bonus of XXXX Membership rewards points after spending {$3000.00} within 90 days of account opening. 

The account was opened on XX/XX/XXXX and met the {$3000.00} minimum spend requirement on XX/XX/XXXX. I HAVE NEVER received the bonus, and when I first contacted American Express ... they told me the welcome offer was NEVER attached. 

I have contacted American Express on three separate occasions on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2019-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX THEY PUT TWO ACCOUNTS ON MY CREDIT REPORT I OPENED ONE AND HAVE NEVER CHARGED ANYTHING THE THEY HAVE ANOTHER ACCOUNT ON MY CREDIT REPORT SAYING I OWE {$300.00} AND SOME DOLLARS THIS IS NOT MINE PLEASE DELETE
Consumer complaint received 2019-02-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

A couple of years ago, my business account was closed with no explanation. I had some refunds for around {$500.00} credited to my debit card after the account was closed. I still have not received those funds. A check may have been sent out in the past but I was out of town and not available to receive it.
Consumer complaint received 2019-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (NY)

Crediter name XXXX XXXX Address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Permissible purpose : written authorization Reguest on XX/XX/2017 Above information was been reported on my XXXX XXXX   report. 
When contact the credit explain to me why they reported and optenin information from my file they refused to disclose and identify whos sending them written athurization to access my files
Consumer complaint received 2019-02-23
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Phoenix Financial Services LLC (VA)

I was contacted numerous times by a company called Phoenix financial. They were attempting to collect a debt that was from I believe XX/XX/2014 ( medical bills ). I am aware these bills fall under my states statute of limitations and was also disputed with the original creditors as having full insurance coverage. In XX/XX/2014 this was removed from my credit report due to a billing error. During these calls at least 100 of them! I was threatened with legal action. Now its on my credit report as three different collections for debts that were previously settled through a billing error from original creditors. They purchased an outdated and incorrect debt and now they are harassing me constantly. I have worked hard to fix my credit and now I have to repeat the same merry go round!? I have told them several times not to contact me but I am just met with malicious responses! The original dates were XX/XX/2014 for an amount of XXXX a second for XXXXand another for XXXX! And the original creditor was XXXX XXXX XXXX XXXX. Originally these were amounts not reflective of my insurance coverage. This was cleared up in XX/XX/2014 and new amounts billed and payed. And even if they were actual debts they have surpassed statue of limitations in the state of Virginia. I explained this to them several times but was ignored and continued to receive very intimidating and threatening phone calls. I even asked arent yall recording these calls? You cant threaten me like this?! Only to be told that was at their discretion!!??? What isnt that illegal?