davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: ALASKA COMMISSION ON POST SECONDARY EDUCATION (AK)

In XXXX, my Alaska Commission on Postsecondary Education ( ACPE ) loan was transferred to XXXX XXXX XXXX ( XXXX ). I was informed that any further communication pertaining to my loan would go through XXXX at that point. I created an account on the XXXX website, which allowed me to make payments. From XXXX of XXXX through XX/XX/XXXX, I made payments to XXXX which totaled {$680.00}. This left a balance of {$3500.00}. 

In XXXX of XXXX, I received a court notice that my remaining loan balance of {$3800.00} had gone into default and they would begin garnishing my pay. Writ of Execution paperwork which was filed with the court system states that the amount that can be garnished each paycheck is {$610.00} XXXX informed me in a letter that I could request a fair hearing within a 30 day time frame. I sent this request to their office within the time frame allowed. However, I never received a response. 

When I attempted to follow up with their office on this, I was told that I needed to speak to a third agency, XXXX XXXX XXXX ( XXXX ). The letter sent by XXXX, did not direct or indicate to me that this request should be sent to XXXX. 

Through several emails, XXXX continued to inform me that my account with their agency had been closed and they could no longer assist me. I was informed that I would need to speak with XXXX. 

However, when I contacted XXXX, I spoke with 2 separate individuals within their company. They could not locate any of my information in their system not my name, social security number, telephone number, etc. They directed me back to XXXX. 
When I reached back out yet again to XXXX, I was provided the same response as before that they could not assist me and that XXXX was now managing my account. 

Throughout this time, on XX/XX/XXXX I had {$780.00} garnished from my paycheck. On XX/XX/XXXX, I had {$700.00} garnished. This should leave my balance at {$2000.00}. However, the company which garnished the funds XXXX reported that my remaining balance is now {$2300.00}. 

I have a few questions : 1. Who is managing my loan? 
2. Why have I not received a follow up to my request for a fair hearing? 
3. Why have the garnishment amounts been greater than the amount listed on the court order? 
4. What happened to {$270.00} that I paid, but is now reflected on the remaining loan balance?
Consumer complaint received 2024-07-06
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NJ)

I opened the Nissan motor acceptance corporation trade line in XXXX. The first delinquency was reported over seven years ago in XX/XX/XXXX. Per FCRA, a consumer has the right to dispute items on their credit report that are inaccurate and outdated. When I settled the balance, it was advised it would be reflected as paid and cease negative reporting. Per my settlement, I expected this account to be deleted. Since, Ive found derogatory information on my credit report that is inaccurate. I requested that the derogatory information be removed as it violates the Fair Credit Reporting Act and the credit furnishers are ignoring my requests and not providing details of how they verified the account. Also, when Ive disputed the information, it re-aged on my credit file as if its a more recent delinquency which further brings down my score. The furnisher and credit reporting bureaus are acting unethically, unlawfully and willfully engaging in wrongdoing. The FCRA laws that has been violated is : Section 1681 et seq., is the law that controls credit reporting agencies. The law states that credit reporting agencies may not report bad credit information is removed after seven ( 7 ) years. FCRA Section 6:05 B, it is illegal to report information on my credit report. without my permission. According to the Fair Credit Reporting Act 15 USC 1681 section 602 it requires promptly modify or deleting the information, or block its reporting. In Section 623 ( b ) ( 1 ) ( E ) and Section 623 ( a ) ( 5 ) If a furnisher reports information concerning a delinquent account placed for collection, charged to profit or loss, or subject to any similar action, the furnisher must, within 90 days after reporting the information, provide the CRA with the month and the year of the commencement of the delinquency that immediately preceded the action, so that the agency will know how long to keep the information in the consumer 's file. With that all considered, this file should not be reported on my credit report. It passes the statue of limitations and violates the law. The trade-line has been deleted on XXXX credit report, except for on the XXXX and XXXX reports XXXX
Consumer complaint received 2021-05-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (CA)

Cash App has a boost offer where if you receive {$300.00} in direct deposits from your employer you are supposed to receive {$30.00} off any purchase you receive over {$30.00}. I signed up for direct deposit using the information provided to me by cash app and on XX/XX/XXXX my employer issued my direct deposit payment to Cash App for my salary. Cash App held the deposit for a few days and ultimately returned it to my employer. I feel I should be entitled to the {$30.00} offered through the promotion since I used the information that was provided to me by Cash App. I have submitted documentation to show the setup of the account in our payroll system, I have sent copies of my paystub showing the deposit, I have sent the notice I received from the payroll specialist at work but they refuse to honor the promotion they have offered.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I realized that this account was opened as a result of an Identity Theft in XXXX of XXXX, someone stole my phone, my identity and used a voice recognition device to record my voice along with hacking my bank accounts and making payments on this account like it was theirs. I DO NOT have telephone access at this moment to contact anyone via phone, I have been homeless for almost 18 months, sleeping in shelters, motels with vouchers, I sometimes squat in vacant places for a hot shower and a meal. I also have been without a vehicle in which I lived in until my vehicle was repossessed and I have not held a full-time job or even a part time job since XXXX of XXXX. I have NOT BEEN ABLE TO GET APPROVED FOR HOUSING DUE TO THIS BEING ON MY CREDIT AND GOVERNMENT HOUSING IS ON A YEAR OR LONGER WAITING LIST!!!! PLEASE REMOVE THIS ACCOUNT EXPEDITIOUSLY OR PAY {XXXX IMMEDIATELY!!! THEY STILL CONTINUE TO LIE ABOUT EVERYTHING AND DISHONOR MY REQUESTS REGARDLESS OF WHAT DOCUMENTATION I SEND!!! I AM SICK THEIR FAKE APOLOGIES PRETENDING TO CARE WHEN THEY DO NOT!!!! I HAVE NOT BEEN ABLE TO WORK A FULL-TIME JOB DUE TO THIS STRESSFUL SITUATION AND I HAVE NO FAMILY OR ANYONE TO HELP ME!!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! I HAVE LIVING ON THE STREETS, MOTELS WITH VOUCHERS AND SHELTERS UPON AVAILABILITY!!!! DESPITE MY LIMITATIONS, I WANT TO LIVE A NORMAL LIFE AND NOT BE ON XXXX XXXX, HAVE DECENT CREDIT, A HOME, A JOB AND A FAMILY!!!
Consumer complaint received 2024-04-12
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. (KY)

Account Number : XXXX XXXX XXXX Experian XXXX XXXX above this account is listed but as three different accounts it's all showing in correct information that does not belong to me. I've tried getting this removed before. 

it's showing across all three pass due on a " collection '' Date Last Payment : XX/XX/XXXX Inaccurate XXXX XX/XX/XXXX Inaccurate Experian XX/XX/XXXX Inaccurate XXXX High Credit : XXXX Inaccurate XXXX XXXX Inaccurate Experian XXXX Inaccurate XXXX These above is showing the high balance is higher than the original balance of the account that was opened. 

Last Reported : XX/XX/XXXX Inaccurate XXXX XX/XX/XXXX Inaccurate Experian XX/XX/XXXX Inaccurate XXXX ALL OF THIS INFORMATION IS INCORRECT & NEEDS TO BE REMOVED.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I was not asked for written consent for the obtaining of my credit report and was not given any copy of my rights under the FRCA. I did not receive any notice before the reporting of the negative information in addition the inaccurate information has yet to be corrected. Neither was I informed that the negative information was being reported. I did not receive the opportunity to opt-out of having my private information shared with third parties. Please delete the following information as soon as possible. I WAS AN UNINFORMED CONSUMER THEY DIDNT GIVE ME THE PROPER DISCLOSURE TO OPT OUT OF CREDIT REPORTING ( 15 USC 6802 B )
Consumer complaint received 2024-07-05
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. (LA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681, 15 U.S.C. 1601 sec. 802 Fair Debt Collection Practices Act, 18 U.S.C. 1028 Identity Theft & sec ( A ) Aggravated Identity Theft, and Breach or violation of required contract. 

( Account Name : XXXX XXXX / Account Number : XXXX ), ( Account Name : XXXX  XXXX  / Account Number : XXXX ), ( Account Name : XXXX / Account XXXX ), ( Account Name : XXXX XXXX  / Account Number : XXXX ), ( Account Name : XXXX XXXX / Account Number : XXXX ), ( Account Name : XXXX  XXXX XXXX / Account Number : XXXX ), has violated my rights. 

- 15 U.S.C. 1681 Section 602 ( A ) : States I have the right to privacy.

- 15 U.S.C. 1681 Section 604 ( A ) ( 2 ) : States a consumer reporting agency can not furnish a account without my written instructions. 

- 15 U.S.C. 1681c. ( A ) ( 5 ) : States, no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information other than records of convictions of crimes which antedates the report by more than 7 years.

- 15 U.S.C. 1681s-2 ( A ) ( 1 ) : States 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. 

- 15 U.S.C. 1601 Section 802 ( A ) : States Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to INVASIONS of INDIVIDUAL PRIVACY. 

- Breach of Contract States that whenever a party who entered a contract fails to perform their promised obligations, the remedy is monetary damages. In which I did not receive. 

- 18 U.S.C. Sec. ( A ) : States, whoever knowingly transfers, possesses, or uses, without consent, a means of identification of someone shall, in addition to the penalties for the felony, will be sentenced to imprisonment of 2 years, or five years for terrorism. 

*** Account # XXXX I am NO LONGER the OWNER of this item. As the lean and item was Purchased and auctioned/sold by XXXX XXXX XXXX XXXX XXXX XXXX XXXX " I AM NO LONGER RESPOSIBLE FOR THE SAID DEBT. '' [ Creditors transferred and/or sold my personal sensitive information to third party entities without my knowledge or consent, which on ALL parties is Aggravated Identity Theft and Breach of Contract. My rights to privacy was also violated by all initial contractors whom I entrusted in " GOOD FAITH. '' ]
Consumer complaint received 2021-07-08
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. (SC)

On XX/XX/2021 i made an online purchase totaling {$400.00} with my Cash app card. I never received the product, and I tried to dispute but the representative for the Cash app refused to file a dispute. 
The company I purchased from XXXX XXXX XXXX is refusing to refund me. So I entrusted that Cash app would have my back. I've given over 12 screenshots of documentation including everything that Cash app asked me to provide.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (OH)

I wanted to inform all parties that in the last thirty ( 30 ) days that I have contacted the Federal Trade Commission. I explained in my letter to that, you, as a Federal Reporting Agency have not complied with any of the Laws under the FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financial liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance your agency has yet to respond to my questions and statements of the Law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX v AFFIDAVITS OF LAW 1. Are you the original creditor?

2. Have you given the debtor the opportunity to review the original contract?

3. Have you validated the home address for the debtor?

4. Have you complied with all FRCA and FDCP and FDCPA laws? 
5. Have you reported to the consumer who all has reviewed the original contract information with his/her original signature?

6. Have you provided the names of all creditors that have provided names and addresses of the individual person who has reviewed consumer relations?
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681, 15 U.S.C. 1601 sec. 802 Fair Debt Collection Practices Act, 18 U.S.C. 1028 Identity Theft & sec ( A ) Aggravated Identity Theft, and Breach or violation of required contract. 

( Account Name : XXXX XXXX / Account Number : XXXX ), ( Account Name : XXXX XXXX / Account Number : XXXX ), ( Account Name : XXXX / Account Number:XXXX ), ( Account Name : XXXXXXXX XXXX / Account Number : XXXX ), ( Account Name XXXX XXXX XXXX / Account Number : XXXX ), ( Account Name : XXXX XXXXXXXX XXXX / Account Number : XXXX ), has violated my rights. 

- 15 U.S.C. 1681 Section 602 ( A ) : States I have the right to privacy.

- 15 U.S.C. 1681 Section 604 ( A ) ( 2 ) : States a consumer reporting agency can not furnish a account without my written instructions.

- 15 U.S.C. 1681c. ( A ) ( 5 ) : States, no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information other than records of convictions of crimes which antedates the report by more than 7 years.

- 15 U.S.C. 1681s-2 ( A ) ( 1 ) : States 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.

- 15 U.S.C. 1601 Section 802 ( A ) : States Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to INVASIONS of INDIVIDUAL PRIVACY.

- Breach of Contract States that whenever a party who entered a contract fails to perform their promised obligations, the remedy is monetary damages. In which I did not receive. 

- 18 U.S.C. Sec. ( A ) : States, whoever knowingly transfers, possesses, or uses, without consent, a means of identification of someone shall, in addition to the penalties for the felony, will be sentenced to imprisonment of 2 years, or five years for terrorism.

XXXX XXXX XXXX XXXX I am NO LONGER the OWNER of this item. As the lean and item was Purchased and auctioned/sold by XXXX XXXX XXXX XXXX XXXX NV XXXX " I AM NO LONGER RESPOSIBLE FOR THE SAID DEBT. '' [ Creditors transferred and/or sold my personal sensitive information to third party entities without my knowledge or consent, which on ALL parties is Aggravated Identity Theft and Breach of Contract. My rights to privacy was also violated by all initial contractors whom I entrusted in " GOOD FAITH. '' ]
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

XXXX, Equifax and XXXX. XXXX XXXX has violated my rights as a consumer by publishing information without my expressed written consent. Per 5 USC 552a ( Privacy Act of 1974 ), 15 USC 1681s-2, 12 CFR 1016.1, I have the right to opt out of reporting rental history on my consumer report. I never received any notice of my right to opt out and never gave permission for this item to be listed on my consumer report. I am opting out of any and all reporting of the above mentioned financial institution and non-affiliated third party credit reporting agencies of XXXX and Equifax reporting this rental history on my consumer report. 

Also, this account is not listed on my XXXX consumer report, therefore this account is not consistent with all three credit reporting agencies and should be deleted.
Consumer complaint received 2021-05-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (OR)

On XX/XX/2020 charges started coming from cash app. These were not authorized transactions. Total lose {$14000.00}. We have canceled the debit card used, notified our bank. But have been unable to contact cash app.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-07-01
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. (TX)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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