davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

Upon looking at my XXXX  Credit Report on XX/XX/XXXX I discovered a negative collection on my account that does not belong to me. I then disputed all of the addresses and phone numbers added to my account and included this collection as a dispute. There was reference on the website to contact the Company to try and resolve this first so I phoned TRANSWORLD SYSTEMS   with the number given on the report, ( XXXX ) XXXX. When I phoned to tell them the collection was not mine, they asked me to verify my SSN so I did and then the person indicated they would submit the information. The address associated with this collection, I have never resided in. I own my home in XXXX and have lived there since XXXX. The dispute came back indicating the information and collection is mine. It is not and I fear the SSN I gave the collection agency was used against me in claiming this collection is mine. The original company XXXX XXXX sent this collection of {$710.00} to collection, and I have never had an account with this energy company. My account along with my accurate address resides with XXXX XXXX.
Consumer complaint received 2018-08-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (MA)

I have a XXXX XXXX {$50.00} Prepaid Visa card that was issued to me last year. The card has a XX/XX/2018 expiration date which seems in violation of Federal and Massachusetts law governing non-expiration of prepaid cards. I dialed the customer service number on the card - XXXX and got an automated system that informed the card was expired with a {$0.00} balance but left no information for further action/appeal.
Consumer complaint received 2018-08-01
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: JPMORGAN CHASE & CO. (NY)

A business bank account and credit card were opened under an LLC at JP Morgan Chase Bank in XX/XX/XXXX. At the time of opening, I had been given paperwork with lots of fine print. I specifically asked the banker if I was signing a personal guarantee on the credit card. Her response was " No it's not a personal guarantee. This is just standard procedure '' The card was handled as such, as a business card, and the business unfortunately had lost some money the following year. Because some payments were missed, I got a call from a collection agency in XX/XX/XXXX in which the creditor told me I had indeed signed a personal guarantee on the card. I was shocked because I was given the wrong information by the Chase banker who opened this account! The account balance was $ XXXX and was paid off for less than the balance and was closed during that phone call in XX/XX/XXXX. Unfortunately, this is on my personal credit report with all 3 bureaus and I am desperately trying to get it taken off. I called Chase and they said if it's their mistake they will take it off, but they need a letter from the opening branch. I went to the opening branch and they said they can't write a letter because Chase protocol does not allow letters. Instead Chase Bank submitted an internal complaint, where it seems to have stalled. I am submitting this complaint with the Consumer Financial Protection Bureau because 1 ) I was given the completely wrong information by Chase bank 2 ) Seems Chase bankers all have different conflicting information on how to handle this issue 3 ) because this account should be 100 % taken off my personal credit report! Please help!!
Consumer complaint received 2018-08-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc. (CA)

I disputed the {$630.00} debt with CMRE, and they ended up putting another {$200.00} debt on the report. As I had anticipated after filing a dispute they admitted the {$200.00} debt was past the statute and removed it but didnt remove the {$600.00} debt.

CMRE is stating that the validation letter i had sent them as my dispute had incorrect account number, however, the account number was from my credit report, Attached is the screenshot of my XXXX credit report with correct account number.

CMRE is in violation of the FCRA and the California Credit Reporting Act, as they have failed to mark the account as disputed. This is my final warning as I will proceed to file suit for this and seeking damages, if CMRE does not remove the remaining account from the credit report.

Attached herewith : 2. SC-100 form
Consumer complaint received 2020-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

On XX/XX/2020 I mailed a letter to experian disputing my account with XXXX XXXX XXXX and the company the debt was sold to XXXX XXXX XXXX. On XX/XX/2020 I received a copy of my credit report stating iteam remains unchanged from our processing of your dispute in XX/XX/2020. On XX/XX/2020 I mailed in a letter requesting their method of verification a week later I received a post card in the mail stating they would investigate on XX/XX/2020 I received a copy of my credit report again and in the account was updated from the dispute in XX/XX/2020 on XX/XX/2020 I mailed in a letter stating XXXX has been found guilty in a court of law of predatory lending practices and fraud and has been ordered to remove all negative information from my credit file along with the court documentation from the Arizona State Attorney Generals office. On XX/XX/2020 I received a copy of my credit report experian updated the comments stating I was XXXX to XXXX  military XXXX. I have never claimed to be in the military nor did I state I have been called to XXXX  military XXXX  wich would require me sending in documentation from the government or a military ID. Experian is not doing their job and properly verifying information on my account at this point they are making up stuff I have been negatively affected by their negligence I have been denied numerous job and housing opportunities due to experian not properly verifying information on my credit report.
Consumer complaint received 2019-09-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (NY)

At XXXX XXXX I received a text message from Cash App stating that a Cash App user as filed a dispute with their bank for {$140.00} payment which I received on XX/XX/19. This payment will be refunded from my account. 

I contacted the Cash App user in connection with the transaction in question and they stated that they did not file any such dispute. 

I proceeded to then contact Cash App via phone no luck, so I proceeded to send then and email. They responded to my email stating that they have conducted a review of my account. As a result, they are sorry to inform me that they have elected to deactivate my account doe to chargebacks on payments that I have from other Cash App users. 

I replied to their email stating that if an actual review was done of my account they would have seen that the amount for the transaction in question was sent back to the Cash App user on XX/XX/19, so there was no reason from them to now have gone ahead and debit my personal bank account for {$140.00} which they state will be returned to the Cash App user on Tuesday XX/XX/19. They also went ahead and close my Cash App account with my {$100.00} still in it, and have also closed the Cash App user account that they are stating have filed a dispute for the {$140.00}, and there was also money in his account that he now has no access to. 

I contacted my bank and they confirmed that there is a pending debit in the amount of {$140.00} and I explained to them the situation. Agent provided me a XXXX XXXX number that was attached to the transaction and stated that I could call them and explain what is going and see I could get the authorization dropped. That was unsuccessful! 

I have unlinked my debit card and bank account from the application. 

I am righting for some assistance in recovering my stolen money. 

Thank you in advance for your assistance. 

XXXX.
Consumer complaint received 2023-09-24
Product: Credit reporting 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)

Consumer has also mailed complaint and judgement of default to California XXXX office. I have disputed listed accounts ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) with XXXX, XXXX and Experian. Experian continues to violate against consumer rights by failing to take action for consumer rights and properly handle consumer disputes. The other reporting agencies has removed these listed accounts but Experian has refused. Consumer has disputed these accounts repeatedly and consumer reporting agency continues to not properly handle disputes according to regulation. Consumer moves to file motion of default against consumer reporting agency Experian. Reason for this complaint is that Experian continues to report wrongful and disputed information on consumer report. Consumer has notified Experian of their constant violations and they have ignored consumer claims. Consumer seeks remedy in the amount of {$10000.00} and demand these accounts be removed immediately- XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Violations includes 15 USC 1681a ( e ) meaning of investigative consumer report, 15 USC 1681a ( d ) 2 consumer report does not include transactions and experiences between consumer and person making the report, 15 U.S. Code 6801 protection of non-public information, 15 U.S. Code 1681b consumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : In accordance with the written instructions of theconsumerto whom it relates. Experian is in non-compliance and the CFPB must perform it's duties and obligation in taking consumer disputes seriously and holding these consumer reporting agencies accountable.
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Consumer has requested several times for Transunion to remove XXXX XXXX account from consumer report. They're in violation of FCRA, FDCPA, CCPA, IRS and ECOA. This account XXXX XXXX XXXX # XXXX is illegally listed on consumer report. This account is being reported with a balance as a closed charge off. According to the IRS Publication these cancelled debt is to be considered income. Transunion continues to list this multiple time disputed account as a negative account reported as debt owed. The consumer must balance it's books with the IRS correctly by claiming this account as income but it is in conflict with how Transunion is reporting my book keeping records. Income is not reported on consumer credit report, therefore this income considered account must be deleted immediately. CFPB must fulfill its duties and obligations by demanding the consumer reporting agencies not only investigate according to 15 USC 1681a ( e ) meaning of investigative report but also 15 U.S. Code 1681b - Permissible purposes of consumer reports-any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. CONSUMER DOES NOT GIVE WRITTEN INSTRUCTIONS TO REPORT ANY DISPUTED, NEGATIVE, WRONGFUL, OR ILLEGAL INFORMATION. also Under 15 USC 1681a ( d ) 2 the term consumer report does not include anyreport containing information solely as to transactions or experiences between the consumer and the person making the report ; PLEASE REMOVE LATE PAYMENTS OR DELETE ACCOUNT.

15 U.S. Code 1681o - Civil liability for negligent noncompliance 15 U.S. Code 1681n - Civil liability for willful noncompliance In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer 15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MD)

Found out near the end of XXXX that my Experian credit score tanked by XXXX points. A possible result for the decrease was from an opened credit account in XX/XX/XXXX that opened for 2 years and ended on a late payment of 120 days in XX/XX/XXXX. 

From my best recollection, I was not physically in the United States for longer than 20 days, and am unable to open a credit account as I did not have an SSN and only visited the US as a dependant with my family using a visitor visa before XXXX. 

From this, I believed it to be a mistake or fraudulent account and attempted to dispute this with Experian, I received a result from Experian on XX/XX/XXXX stating that the dispute had been denied as XXXX presented " evidence '' and certified that the information was accurate. 

I was guided to find the " evidence '' from the company that reported the information " XXXX '', and attempted to do so in person at a local branch. The investigation was escalated to the Texas main branch of XXXX, but the personnel stated that they could not find a record of the said credit card account being opened or closed from XXXX. 

I brought the new information to Experian with a new dispute claim and requested a review, requesting the evidence that XXXX would show to Experian to refute my dispute. 

The result from Experian on XX/XX/XXXX was various other records from my credit history being removed, however, the Credit Card account has not been removed. They also did not provide any information on what evidence XXXX used to certify that the information was accurate.
Consumer complaint received 2019-09-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (MD)

My XXXX son was robbed on mid XXXX therefore his cell phone was stolen. The same evening my XXXX son Cashapped my XXXX son {$400.00}. My XXXX son contacted cash app to let them know via email and was told once he get a new cell phone he would be able to retrieve the cash. Upon receiving his new phone he attempted to get the cash the account was closed. We contacted cash app via email sent them all informations that was request numerous times. The last email stated the only resolution was to refund the {$400.00} to my XXXX son, which we stayed please do so. As of this date XX/XX/2019 my son has not received his {$400.00}. We were actually contacted again today XX/XX/2019 asking for the same information that was given on five different times. A copy of the emails will be attached.
Consumer complaint received 2023-09-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (OH)

In XXXX of this year, my partner and I went to XXXX XXXX XXXXXXXX XXXX. I used my Discover credit card there, and came home to find someone had used my credit card with a purchase at a XXXX XXXX XXXX XXXX, with a fake address. I disputed this claim and was refunded, and closed my card. This occured XX/XX/XXXX. I have had XXXX more charges at this XXXX XXXX XXXX XXXX. I have never used my credit card for a {$140.00} XXXX XXXX purchase and there is absolutely no subscription they offer, even if for that much. Discover refuses to refund me the money, and I keep telling them it is not me purchasing anything for {$140.00}. So now I have XXXX charges for {$140.00}, and XXXX that I have now had to pay back, XXXX happening on XX/XX/XXXX which was my nost revent dispute, and NOW a XXXX for XXXX last week on XX/XX/XXXX, which I didn't even go to a Market District then! They refuse to dispute me and keep letting the merchant win, calling the charges valid. This has happened 3 times with the exact same amount in multiple months. I can't even afford to spend {$140.00} at a XXXX XXXX! There are no addresses or anything tagged with these charges which there usually is. No information, nothing. I have already had my card stolen by a skimmer once.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OR)

In accordance with the Fair Credit Reporting Act the following businesses and accounts violated my rights : XXXX XXXX account number XXXX. 
XXXX XXXX XXXXXXXX XXXX  account number XXXX. 
Department of Education account number XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. 
XXXX XXXX # XXXX account number XXXX. 
XXXX  account number XXXX, and XXXX. 
XXXX XXXX XXXX account number XXXX. 

Employment information - XXXX XXXX XXXX XXXX XXXX. 

Hard Inquires : XXXX XXXX XXXX XX/XX/ XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 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 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (TX)

I hope this message finds you well. I am writing to file a formal complaint regarding harassment, discrimination, unauthorized entry, and unfair debt collection practices related to my previous rental at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX 

I rented the apartment from XXXX XXXX XXXX XXXX XXXX XXXX  and always paid my bills on time. However, during my stay, I experienced severe harassment and discrimination from the management of the apartment complex. They consistently made me feel unsafe in my own home including me being XXXX and even entered my apartment without my permission or presence, violating my privacy rights. 

Feeling unjustly treated and with the guidance of legal advice, Both parties involved, myself and the XXXX XXXX XXXX, agreed to cut ties amicably, acknowledging that the unsafe environment and harassment had become unbearable. It is important to note that despite no longer residing in the apartment, I continued to fulfill my financial obligations by paying the rent. 

However, recently, I received communications from XXXX XXXX XXXX XXXX, claiming that I owe them {$1400.00}. This debt has been incorrectly reported on my credit report, damaging my creditworthiness. It is crucial that their collection activities are halted immediately, and the negative information associated with this debt is removed from my credit records. I moved had a professional come clean the property as I traveled for work often so it was not dirty at all I kindly request your assistance in thoroughly investigating this matter and taking appropriate action against both XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The unfair treatment, privacy violations, and inappropriate debt collection practices I have encountered are not only distressing, but they also violate numerous laws and regulations designed to protect consumers like myself. 

I trust that the Consumer Financial Protection Bureau will take my complaint seriously and act promptly to rectify this situation. I hope for a fair resolution and that appropriate measures are taken to safeguard future tenants from similar experiences.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

I recently checked my credit report on XX/XX/ and noticed that an account that has been reinserted on my credit report. I wrote the credit bureaus certified and asked them how they verified, and certified the account and why I did not receive 5 day notification. 
They have violated my rights per 15 USC 1681i ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC. (CA)

I deposited {$500.00} on XX/XX/2021 to a robinhood account. On XX/XX/2021 they informed me they did not recognize my account any longer and asked for proof of identity. I sent them my SSI number, birthdate, zip code, address, phone number, picture of drivers license, exchanged over 20 emails with them and they have frozen and locked me out of my account. They are not letting me close the account and they are witholding my money.
Consumer complaint received 2023-09-24
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (FL)

The collection agency is attempting to collect {$6900.00}. I have request from the collection agency full account of all charges and payments made on the rental account from the start of the initial lease until move out. I also requested the collection agency to provide documentation that the leasing office at the apartment complex had me signed on the day that they returned the money orders to me for rent that totaled {$3200.00}. The money was returned to me on XX/XX/2021 when I moved out even though the leasing office claimed I owed rent. Then why would they return the money and now the collection company is trying to get me to pay {$6900.00}