davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-25
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. (SC)

I HAVE ATTEMPTED TO BUY MY FIRST HOME AND I HVAE BEEN DENIED FOR MY APPROVAL DUE TO CERTAIN INQUIRIES/ DAMAGES ON MY REPORT. ACOORDING TO HJR 192 All Public Debt is an obligation of the United States and not the Citizens. And According to the FCRA or Fair Credit Reporting Agency it is against the law for these credit reporting agencies to report anything without my authorization or consent on my report. 
ALSO IN 15 U.S.C 1681 there should not be any damages on MY Report it is A Defamation of character., therefore these items need to be Removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL unauthorized and unverified accounts.
Consumer complaint received 2024-11-01
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (IN)

I am writing to formally dispute the debt ] .I do not recognize this debt or the collection agency, nor have I entered into any agreement with your company. In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am requesting validation of this debt. Please provide documented evidence, including the original signed agreement, proving that this debt is valid and that I am responsible for it. If you are unable to verify the debt with such documentation, I demand that this item be removed from my credit report immediately, as required by the FCRA. Failure to provide proper validation of this debt will be considered a violation of my rights under the FCRA, and I will seek its removal from all credit reporting agencies. Thank you for your attention to this matter. I look forward to your prompt response within the timeframe established by law.
Consumer complaint received 2023-04-05
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2024-09-17
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: Experian Information Solutions Inc. (NY)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2024-09-17
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. (NY)

VALIDATION AND CEASE AND DESIST XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Dear XXXX XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt. 
5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-17
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: Experian Information Solutions Inc. (NY)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-11-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation (NV)

Penn Credit Corporation has repeatedly added a debt I paid over two years ago back on to my credit report. I keep disputing it and having it removed but they are relentless. On top of that, the original debt was less than XXXX $ which to my understanding isnt even allowed to be put on a credit report but they keep lying and saying the original debt was over XXXX XXXX And they put a higher number every time they re-report it. Even knowing they werent supposed to do that I still paid over double the original debt to them 2 years ago just to make them stop but they still continue to keep adding it back to my report every few months.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 # XXXX 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.
Consumer complaint received 2024-11-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (DC)

This is a follow up to Complaint ID Number XXXX. Venmo had promised to completely remove my information from their database after the expiration of the retention period of 180 days writing in part The data retention period for account information starts from the date when an account is closed, or the business relationship otherwise comes to an end. For example, if Venmo is no longer able to provide its services to a user, we may permanently suspend the account. Accordingly, the retention period for your Account information began on XX/XX/year>, when we took the decision to permanently suspend your Account. At the expiration of the retention period, erasure occurs automatically unless under exceptional circumstances as allowed under the law. You may be assured that during the retention period, your data will no longer be processed for the sorts of purposes associated with the use of active and live Venmo accounts, and your information will be securely encrypted until it is deleted from PayPal systems. The retention period ended on XX/XX/year>. Today is XX/XX/year>, 44 days later and I can still access my Venmo account but of course I can not use it. Venmo is retaining my Personally Identifiable Information ( PII ) for no reason at all and should their systems be breached ; I would be affected yet they claim to have cancelled my membership.
Consumer complaint received 2024-10-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (IN)

I Had XXXX dollars in cash app. On XX/XX/XXXX someone got into my account and stole my money. I reported it immediately and filed a dispute. i called them back two days later and they shut the case without investigation. they let that person take my money. I lost XXXX dollars and cash app will not do a XXXX thing. Also someone took over my account with cash tag XXXX and they will not do anything to help me. 
i have filed an identity theft for other reasons and cash app is of no use to me. they owe me XXXX.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (GA)

The Consumer Reporting Agency ( CRA ) created a consumer report utilizing my names, which intellectual property are the private property of my Irrevocable Trust, without my written authorization or consent and is furnishing information from that unauthorized consumer report - information that was collected under false pretenses - to banks and other lenders, which has resulted in adverse actions that have caused serous harm. The CRA is in violation of the Trust law, the Fair Credit Reporting Act and federal intellectual property statutes.
Consumer complaint received 2024-10-31
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (OH)

On XXXX fraudulent activity was done on my card. I called the company and was told because it was pending I would have to wait till the debt was settled a new card was ordered and it took ten days to get the dispute going. I also reached out to the company and they issued the card holder a refund. I have been going back and forth with them and still have not recieved the funds. I provided them proof that the company refunded the money and they still have not added it to my card. The Credit card company gave me the credit and XXXX gave me the money. XXXX is saying that once my company resolved it should have come from the bank. The bank is telling me XXXX should reissue the credit. Both companies have acknowledged that it is fraud but nobody is offering me a solution.
Consumer complaint received 2024-10-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (WA)

I opened an account at venmo to send money to a friend for a vacation rental on XXXX. That was the only time I used that account. On XX/XX/23 I received an email stated that my account was frozen due to violations of user agreement and that I must send personal id information to them to unfreeze the account. I didn't want to send that information since it seemed that my account was hacked because I had never used it during the time the 'violation ' occurred. I could not find out any information from the company about the details nor can I delete my account and remove my credit card and credit union information from this service.
Consumer complaint received 2024-10-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (PA)

Scammers impersonate celebrity accounts on XXXX and other social media and promise {$600.00} XXXX  for donating to charity. It is a scam. They usually ask for XXXX or XXXX XXXX. In my case it was a person by the name of XXXX XXXX who is a personal assistant for the actress XXXX XXXX XXXX.
Consumer complaint received 2024-11-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NV)

I was XXXX  in XXXXXXXX XXXX XXXX and found that my account was used without my permission in XXXX of XXXX I called the bank and submitted a fraud complaint and the bank denied my claim when I was released a attempted to file another complaint and submitted a letter of XXXX  for the time I was XXXX  but my claim was still denied
Consumer complaint received 2024-10-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (PA)

I added {$750.00} to my cash app account, then transferred to my debit card linked with cash app. I paid for instant transfer which wasnt instant and cash app paid me back the $ XXXX change for the false instant charge but couldnt return me my {$730.00}. I have contacted XXXX XXXX and they tell me I canceled the transaction so funds are sent back to cash app. Cash app tells me funds were successfully sent but fails to help me locate where my money is since I canceled this transaction from my XXXX XXXX debit card account. Cash app blames XXXX XXXXl and XXXX XXXX blames cash app and neither have told me where my money is so I have {$730.00} floating in the internet and no one is helping me solve this. I tried to do a 3 way call XXXX XXXX  was more than happy but cash app was very shady for liability reasons they cant do a recorded three way call which is bad business they are more un willing to help more than XXXX XXXX. Cash app has canceled multiple claims I have requested escalation to a manager multiple times and I have never reached a manager through email or call support. I have photo proof I reversed the transaction and XXXX XXXX claims it and cash app only tells me well funds were properly sent so somebody needs to be held accountable. Its very disturbing knowing a company could careless that {$730.00} of hard earned money can just disappear in a transaction to yourself. Cash app is terrible with support and their effort is less than minimal when it comes to serving a customer that is missing money. XXXX XXXXl confirms funds were reversed/ canceled but neither company can tell me where my {$730.00} is. All I want is my money back honestly how hard is that.
Consumer complaint received 2024-10-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (CA)

Dear Cash App Support Team, I am writing to formally complain about the handling of my Cash App account, which has caused me significant inconvenience and financial distress. 
On XX/XX/2024, my XXXX XXXX XXXX phone was stolen, and I promptly filed a police report. Subsequently, I noticed unauthorized transactions on my Cash App debit card while I was out of town. I contacted Cash App support in XX/XX/2024 to dispute these transactions, but my account was closed, and I was informed that disputes could not be processed due to the account closure. 
Despite my repeated requests to send documentation through the mail, I received no response. Instead, I was informed that my disputes would be paused until I verified my identity. However, several disputes were processed and denied without verification, leading to a negative balance on my account. 
To process any disputes on the cash app on the phone, it asks to verify identity to process a dispute which I already have, several times. There is a total of 81 unauthorized transactions for a total of {$2600.00} I trust that Cash App values its customers and will address this matter promptly. I look forward to your swift resolution of this issue.
Consumer complaint received 2024-10-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc. (OH)

On XXXX/XXXX/24, I made a payment in the amount of {$340.00}. {$250.00} was credited toward the principal amount, and {$95.00} was credited toward interest. Upon payment on XX/XX/year>24, the interest held on my account was {$0.00}. 

On XX/XX/year>24, I received Exhibit A which indicated that forbearance was set to end on XX/XX/year>24 and that would {$200.00} deducted from my account on XX/XX/year>24. I received no prior notification that my account was placed into forbearance and this amount was not deducted. 

On XX/XX/year>24, I received Exhibit B which indicated that my account was placed into forbearance and that the interest rate would be set to 0 %. 

Exhibit C dated XX/XX/scrub>/24 shows that the unpaid interest held on account was {$9.00} and that {$200.00} would be deducted from my account on XXXX/XXXX/24. 

On XX/XX/scrub>/24, I received Exhibit D which indicated that {$200.00} would be deducted from my account on XX/XX/year>24. This amount was not deducted. 

On XX/XX/year>24, I received Exhibit E which indicated unpaid interest held on the account to be {$100.00} and that {$200.00} would be deducted from my account on XX/XX/year>24. This shows that interest continued to accrue even though Advantage indicated that my account was in forbearance during this time and the amount was not deducted from my account. As of XX/XX/year>24, I have received no additional statements from Aidvantage. 

On XX/XX/year>24, I received Exhibit F, which indicated that forbearance was set to end on XXXX/XXXX/24 and that {$200.00} would be deducted from my account on XX/XX/scrub>/24. This amount was not deducted. 

On XX/XX/scrub>/24, I received Exhibit G which indicated {$190.00} of unpaid interest held on my account. On XX/XX/scrub>/24, I received Exhibit H which indicated that my account was placed into forbearance and that interest rates were set to 0 %. 

On XX/XX/year>24, I received Exhibit I which indicated that the 0 % interest rate reduction was completed on XX/XX/year>24. 

As of XX/XX/scrub>/24, according to Aidvantage, the unpaid interest held on my account is {$190.00}. I have spoken to Aidvantage numerous times regarding the incorrect accrual of interest during the forbearance, and I have requested the amount be corrected on numerous occasions with no success. Currently, my loans are shown to be in Administrative Forbearance until XXXX/XXXX/24.
Consumer complaint received 2024-10-31
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. (IN)

On Tuesday XX/XX/year> on XXXX, while traveling for work in XXXX XXXX I received a text message that some unknown transaction was complete. It was a unknown individual I believe who hacked into my XXXX account and transferred themselves {$2000.00} dollars. At no point did I know the person whom did this unauthorized transaction. The name of the recipient on the account is XXXX XXXX. I do not know this individual whatsoever. The transaction recipient tag was XXXX. While in XXXX I did not make a single purchase of anything. I did not use XXXX at all. Or even my own banking, debit, or credit card either with JP Morgan Chase. I also did not visit any website or make a single a purchase. The hotel I was staying in was called, The XXXX XXXX. I stayed from XXXX XXXX. I have contacted both Chase Bank and XXXX themselves. I have put in a claim for fraud ( With both Chase and XXXX XXXX in their there investigations they determined that they would not be able to assist me/help me. Reason being because it was sent from my own phone. Which I did not do whatsoever. I am struggling to resolve this issue with both Chase and XXXX.
Consumer complaint received 2023-03-15
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. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.