davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Miguel A. Maza & Associates, PSC (PR)

I contacted on XX/XX/2023 XXXX XXXX XXXX XXXX XXXX and asked about the debt they had purchased and how I could get assistance with it XXXX On XX/XX/2023 they replied to my email and gave me their collection agency contact information Miguel A. Maza & Associates. I was asked to contact them and that they would be able to help with the payment plans. 

I contacted Miguel A. Maza & Associates on the XXXX of XX/XX/2023 and explained my situation to the person who answered the phone once I finished I was transferred to XXXX XXXX himself, this unethical lawyer after I explained that, that account happened right as the COVID-19 pandemic started and that on multiple occasions I tried to communicate with the company and explained that I was now unemployed due to COVID-19 pandemic but never got a response, I even tried calling but again never get a call back. I also asked him if we could work out a payment plan because I am still unemployed and basically get money off side works that I do therefore I couldn't pay the full amount in one payment. He proceeded to tell me that they dont offer payment plans nor settlements or any type of agreements. He told me to go get a job and that I was going to be sued for everything I have if I dont pay him the XXXX. This lawyer also told me that even if they did payment plan he wouldn't offer one to me because I couldn't pay it. He told me that Puerto Rico has plenty of jobs and that I need to get one. 

I am requesting a formal investigation because this is completely unacceptable from the start when I tried to get help from XXXX XXXX when XXXX first started to now where Miguel A. Maza & Associates refuse to help me pay off this debt and get it off my credit report but instead threaten to sue and take everything I own
Consumer complaint received 2020-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (AZ)

I am emailing in regards to cash app changing my account and routing details without informing me. I had my tax refund linked to my XXXX XXXX XXXX account. The other day it just automatically changed to XXXX XXXX XXXX account. How am i suppose to get my tax refund? I've moved out of the state in which i filed, that is why i had it sent DD instead of a paper check. Now because of this change without my consent or giving me a heads up, my tax refund won't get to me until god knows when. Also my last DD for my job has to be mailed also because of this.
Consumer complaint received 2024-05-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. 

Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2023-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: DISCOVER BANK (PR)

I fill an application to a secured credit card with Discover 7 months ago. I pay directly from my account {$1000.00} to them. I waited 3 months and in the meantime i call 6 times because i didnt received the card and they keep saying to me they going to send it again but i i never received the card and we recheck the addresses and was correct. So then i decide to close the account and ask for my money back on XXXX and they tell me it has to be in check and by mail. I explain to them that for some reason i dont understand i didnt receive mail from them and thats the reason i closing it so obviously if them send the check to the same address by the same mail i dont going to receive the check. They told me that was the process and they cant do different. So i waited and again the same problem, i didnt receive my money so the tell me i have to wait 30 days for a reason from the mail that explain why i didnt received the check, and they cant send it to another address and cant deposit to my account. Every month since i call them and they answer the same thing. I dont know what to do i waited 4 months and nothing happens and also they send the report to my credit, they affect my credit for a card they dont send me and now i have worst credit, no card and no money.
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRED ON XX/XX/XXXX XXXX XXXX INQUIRED ON XX/XX/XXXX XXXX XXXX INQUIRED ON XX/XX/XXXX XXXX XXXX INQUIRED ON XX/XX/XXXX XXXX XXXX  INQUIRED ON XX/XX/XXXX XXXX XXXX INQUIRED ON XX/XX/XXXXXXXX XXXX XXXX INQUIRED ON XX/XX/XXXX XXXX XXXX XXXX INQUIRED ON XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PR)

I SEE A LOT OF INQUIRIES ON MY REPORT XXXX XXXX XXXX ( AUTO ) XX/XX/XXXX XXXX ( XXXX ) ( BANK ) - XX/XX/XXXX XXXX XXXX ( BANK ) - XXXX XXXX XXXX ( BANK ) - XX/XX/XXXX XXXX ; XXXX XXXX ( HOTEL AND TRAVEL ) - XX/XX/XXXX XXXX XXXX ( BANK ) - XX/XX/XXXX XXXX ( XXXX ) ( BANK ) - XX/XX/XXXX XXXX XXXX XXXX ( AUTO ) XXXX XXXX ( XXXX ) ( BANK ) - XX/XX/XXXX
Consumer complaint received 2019-04-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AVANTE (FL)

A week ago I received a letter from a collection agency that had been sent to my old address. 
I am being charged for a debt I do not recognize, I wasn't even in the USA at the time of the debt.

I'm posting a letter tomorrow disputing the debt, but now I'm worried that there may be other debts incurred under my name without my knowledge or permission.
Consumer complaint received 2019-11-15
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. (SC)

On XX/XX/2019 Isubmitted supporting documentation to Transunion including DL, Ssn number and police report for the identity theft of XXXX XXXX XXXX reporting I owe {$3000.00} for a lease that was not obtained through me. They claim I signed a second lease through an email with XXXX. My email and password and social security number were found in the dark Web this is Identify theft, XXXX  and XXXX has already removed this from my reports weeks ago. I'm requested that Transunion do the same, they are saying that they have not received my documents I've sent them out twice!!!
Consumer complaint received 2024-04-11
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. (MI)

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Dispute of Debt Collection Notice, Account # XXXX Dear Sir/Madam, I am writing to contest the legitimacy of the debt that was mentioned in your most recent correspondence, which was dated XX/XX/year>. I am formally asking for validation of the purported debt by my rights under the Fair Debt Collection Practices Act, specifically 15 U.S. Code 1692c. 

Upon receipt of your initial communication, I immediately began reviewing the details provided. However, despite my diligent efforts, I have not been able to ascertain the accuracy or legitimacy of the debt in question. Therefore, I kindly request that you provide me with the following information : confirmation of the identity and contact details of the original creditor. 
evidence of the amount due and a thorough explanation of any fees or interest incurred. 
Proof of any written contract or approval proving my obligation to pay this debt. 
confirmation of the debt 's accrual date and any relevant account statements. 
In addition, I want to remind you that the FDCPA requires you to stop all collection efforts until the legitimacy of the debt has been established. If the required validation is not provided, any more correspondence or efforts to collect this debt would constitute a breach of my legal rights. 

Please be advised that I expect a prompt response to this dispute within the timeframe prescribed by law. Failure to provide the requested information or continuing collection activities without validation will leave me no choice but to take appropriate legal action to protect my rights. 

Thank you for your attention to this matter.
Consumer complaint received 2018-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

XXXX XXXX is reporting that I have an unresolved collection balance with them for {$9900.00}. I am attaching a copy of the settlement I arranged with them back in XX/XX/2018, and also a copy of the wire-transfer that shows I funded the arrangement. Despite the fact that this debt has been resolved for 6 months now, XXXX XXXX will not report it as such on my credit report.
Consumer complaint received 2024-04-11
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. (FL)

XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX 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.
Consumer complaint received 2024-04-11
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. (OH)

On XX/XX/2024 XXXX XXXX reported nonpublic consumer information to Experian, XXXX, and XXXX. The law states it is illegal for financial institutions to report consumer account details and other nonpublic consumer information to nonaffiliated third parties. Institutions must develop and give notice of their privacy policies to their own customers and before disclosing any consumer 's personal financial information to an unaffiliated third party, and must give notice and an opportunity for that consumer to " opt out '' from such disclosure per 15 U.S.C. 680. I am opting out of any and all authorizations per 15 U.S. Code 6802 and per 16 CFR 313.1
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (PR)

Unauthorized credit inquires and fraudulent accounts opened without my consent. 

Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SYNCB /TJX XXXX XXXX XXXX XXXX SYNCB / Walgreens XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-28
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: Bread Financial Holdings, Inc. (NJ)

I have seven hard inquiries on my report that I do not recognize. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

On XX/XX/24 I Priority-Mailed a letter to Experian ( USPS Tracking shows letter was received by Experian on XX/XX/24 ; the letter contained all back-up requested by Experian on their website ) explaining that it had been many years since I created my Experian account and placed a Freeze on the account. When I tried to login on XX/XX/24 the username and/or password did not work. I tried XXXX Experian phone numbers ( XXXX and XXXX ), but was not given an option to speak with a live person. The XXXX number said it would text a verification code to my phone number, but although I tried twice, I never received one ; and again, was unable to speak with a rep to verify the area code and prefix of the number they have on file is correct ( they had the last 4 digits correct ). We are in danger of losing financing because of the freeze. I had the same old-login problem with the other reporting agencies, but was able to speak with live reps who verified security questions and were able to reset login and unfreeze the accounts, very easily. I am beyond frustrated that I can not find a phone number for Experian that has the option to speak with a live rep, and that they have not responded to my XX/XX/24 letter. The lender we are hoping to obtain financing confirmed again today that there is still a freeze on the account. Help!
Consumer complaint received 2019-12-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

On XX/XX/2019 I had three transactions show up from my checking account. {$200.00}, {$190.00} and {$190.00} were processed through the cash app. I do not have a cash app account and can not get in touch with company at all unless I create one. This company let somebody use my debit card for the transactions. This caused my account to be overdrawn substantially.
Consumer complaint received 2023-04-25
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: EQUIFAX, INC. (PR)

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX  XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-04-11
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. (CA)

I have these inquiries that I have no idea where or how they came about. I definitely haven't been using or obtaining anything that has to do with credit with any of these companies or parties that are a hold of the hard inquiries section of my credit report causing derogatory marks on my report. Again I don't know who these companies are that have pulled my credit report because I have not authorized them to do so. according to 15 USC 1681 B, they have to have a permissible purpose in order to pull my credit report or cause a hard inquiry. the following companies and the removal date are on my credit report. 

names : Date : Removal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-02
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX Re : Account number : XXXX To Whom It May Concern : I am responding to your help with CapitalOne accounts complaint. Since XXXX, I have a credit card with Capital One, while paying my account as Agreed. During XX/XX/XXXX, I logged in to my account and applied for auto pay menu. At the same time, I called Capital One to alert them to the changes. 

Since this time, I have several emails stating my account is over the limit while charging my account a {$25.00} fee for late fee and {$18.00} interest fee. I received a notice Capital One reported my overpayment and late fee to the credit bureaus, dropping my credit scores by XXXX points. 

I ask for your help, and we want a refund for overpayment, clearing up the negative on my credit report and wrongfully treating us unfairly. According to the Bill passed by Congress last month, credit card companies can not overcharge their clients with inflated fees. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc. (IL)

My card was used without my consent after I lost my wallet. Cash app took weeks to respond to my claim. I had to file two to get a response. They then denied my claim within a few hours of me sending the requested information.
Consumer complaint received 2024-04-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/XXXX I saw two pending charge on my bank account from PayPal. Since the charges were pending, the bank said we had to wait until it post. Once posted I was able to see that the charges were from paypal and paid in XXXX currency. Basically someone was able to hack my PayPal account and charge my bank account twice for {$490.00} each. 
Since my bank account was linked to my PayPal account, the bank says I am out of luck. I am waiting to see what PayPal says. I never had any contact with whoever charged my account nor did I approve any of these transactions.
Consumer complaint received 2024-02-01
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: EQUIFAX, INC. (IL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item information below XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2003 XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$16000.00} XXXX XXXX Balance : {$5600.00} XXXX XXXX Balance : {$110000.00} XXXX XXXX : {$2200.00} XXXX XXXXXXXX XXXX Balance : {$560.00} XXXX XXXXXXXX Balance : {$36000.00} XXXX XXXX XXXXXXXX Balance : {$290.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX Balance : {$680.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IL XXXX.
Consumer complaint received 2024-04-11
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. (SC)

This is the refilling of my complaint to EXPERIAN. I accept that my data is being abused and detailed as wrong. In my credit report I discovered some slanderous things that I didn't know about. I found late payments which never occurred and accounts with mistaken data, like payment history, status, balances, and date of last activity. As per 15 U.S.C. Area 602 and 15 U.S.C. Segment 604 A Part 2, I have the right to protection and a buyer revealing office can't outfit a record without my written instructions. I have attached the FTC report to support my complaint with the FTC report number XXXX
Consumer complaint received 2024-04-11
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. (MI)

Disputing the account XXXX  with credit reporting agency EXPERIAN. all attached documentation is being provided showing no alleged debt. The collection Agency XXXX XXXX has no record of anything in the system for ( attached in documents ) me and has no Authorization or license to do buisness in the state of Michigan. The account has been charged off and written off as a loss from the original creditor XXXX. Collection agency can not collect on a debt that has been written off and used for the consumer to properly access and file on a federal income tax. As stated Income can not be reported to a consumer report. XXXX has no rights to report to my consumer report as they have sold the debt to a third party. Only the collection agency should be reporting. However as stated the collection agency has no proof of anything in the system for me
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

On XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX received via certified mail my letter to OPT OUT of future reporting of my account transaction as they are illegal to be reported per 15 USC 1681a ( 2 ) ( a ) ( i ). XXXX XXXX XXXX XXXXXXXX responded with an acceptance of my opt out. 
This morning they reported Transactions History information they stated they would not as they accepted my OPT OUT.
Consumer complaint received 2024-05-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ARS National Services, Inc. (WI)

We were contacted by ARS National Services Inc.. in regards to XXXX  secured credit card.

THIS IS A SECURED CREDIT CARED ... WE PAID A DEPOSIT. WE DO NOT OWE MONEY.