davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-03
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: Experian Information Solutions Inc. (FL)

I decided to check my credit report some time ago and I wanted to point out that XXXX has been participating in XX/XX/XXXX activities and hasXX/XX/XXXXduties as a financial institution. XXXX XXXX XXXX XXXX ( a ) states that any fiduciary that breaches any of the responsibilities, obligations, or duties imposed upon fiduciaries by this subchapter shall be personally liable to make good. According to the United States XXXX, no transactions of mine should ever be reported to any third party. Who gave you all any permission to report any information about my XXXX account that I had many years ago, and the additional boldness to continuously declare up until this time to claim fraudulently that you have received insurance payments by updating about the account status that should not be there in the first place. This financial institution is masterminding along with the credit reporting agencies to acquire my XXXX XXXX and furnish it to damage my name willingly and falsely update the information and resetting the time of removal naturally. Let this be my official complaint. Your policies and corruption do not over see the LAW of the UNITED STATES OF AMERICA. I will be reserving my rights of litigation that are allowed by the law up to the amount of {$1000.00} for each violation. Not only to the financial institution but also against XXXX, XXXX, and Experian for furnishing inaccurate and incomplete information and participating in XX/XX/XXXX
Consumer complaint received 2023-01-03
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. (KY)

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. 
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 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 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

ID FOR COMPLAINT SENT TO TRANS UNION LLC XXXXXXXX
Consumer complaint received 2022-11-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (GA)

On XX/XX/XXXX i was scammed and had money stolen from my cashapp account, the man took my phone out of my hand and sent himself {$2000.00} through cashapp using my phone, i have filed a police report and reached out to cashapp but they denied my request. I have attached a copy of the officer and police report case number.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$440.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance XXXX {$500.00} XXXX  - XX/XX/XXXX
Consumer complaint received 2024-04-16
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. (CA)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXXXXXX XXXX Balance : {$1500.00} XXXX BANK XXXX Balance : {$820.00} XXXX FEDERAL XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$10000.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX, XXXX
Consumer complaint received 2024-02-25
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: BARCLAYS BANK DELAWARE (NY)

BARCLAYS BANK DELAWARE XXXX XXXXXXXX XXXX XXXX, DE XXXX Dear XXXX, I am writing to dispute a hard inquiry that appears on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ) Section XXXX, I am requesting an investigation into the validity of the inquiry and its compliance with FCRA regulations. BARCLAYS BANK DELAWARE ( Commercial Banks ) Date of inquiry XX/XX/year>. This is what I reviewed and I believe that this hard inquiry was made without permissible purpose or without my consent, which violates my rights under the FCRA. According to FCRA XXXX XXXX, inquiries into my credit report must have a permissible purpose and must be initiated with my consent. I have not authorized this inquiry, nor do I have any association with the company listed. Furthermore, FCRA Section XXXX requires that inaccurate or unverifiable information be promptly corrected or removed from my credit report. Since this inquiry was made without my consent and does not reflect any legitimate credit activity on my part, it is both inaccurate and unverifiable.I am hereby requesting that CFPB investigate this matter and provide documentation verifying the legitimacy of the hard inquiry. If no such documentation can be provided, I request that the inquiry be promptly removed from my credit report in accordance with FCRA regulations. Please provide written notification of the results of your investigation and any actions taken to address this dispute within the timeframe specified by FCRA XXXX XXXX you for your prompt attention to this matter.
Consumer complaint received 2024-04-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (IL)

In accordance to the fair credit reporting act, Transworld System INC, Radius Global solutions ( account # 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 Section 2 : states a consumer reporting agency can not furnish an account without my written instructions. There is an address on my credit report that doesn't belong to me. I have never lived at XXXX XXXX XXXX XXXX SUN XXXX TERRACE, IL XXXX I have informed credit bureaus of the address on my file where I have never resided, and it still has not been removed. 
This same issue was reported when the debt was attempted to be collected by XXXX XXXX solutions. They provided me with a water bill. I told them I have never lived at this address and have no knowledge of any water bill. The debt was removed from my credit file. Now, the same debt has reappeared with a different company that has never communicated this debt with me, so how can it justly appear on my credit report? I have contacted the company to dispute the debt and after many attempts to reach someone, the person was extremely rude. This definitely qualifies as unfair debt collection activity.
Consumer complaint received 2024-02-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC (NC)

I have been constantly calling this company to get assistance on the website to make payments. The site is always malfunctioning and they tend to change the site link to make payments without notifying consumers. I called for assistance and notified the company about the issues and was given the runaround. No one seemed to be able to access my account. The company continued to charge me late fees even though it was due to their malfunctioning site that I could not make payments. I have two credit cards ( VERVE and XXXX ) and I feel that I was neglected as a customer. This has been going on since XXXX or XXXX of 2023. I finally became very ill around XXXX or XX/XX/year> and was unable to monitor and get this matter resolved. The XXXX card I am now finding out was closed 277 days ago because of the high balance. However, the card could not be paid on because of something on their end. I have asked for the number of the place that the account was charged off to and they do not have a number and stated that they do not have a number to provide yet. The VERVE card continued to receive money with a hold placed on it and no one knew why and stated that they asked for the hold to be lifted. The hold is still on it after being requested to be removed over two days before I filed the complaint. I was told that the hold takes 24 hours to be released and it has been longer than 24 hours. I am negatively impacted by this account and denied credit. It amazes me that companies can take money quickly and slowly correct their errors knowing it affects the credit of the consumer.
Consumer complaint received 2024-02-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (OH)

I have been using Chase since college, for almost 7 years. When the school year started, they closed my account right after my parents sent me money for tuition and said they needed to close my account but would send me the remaining money back. However, I have been waiting for half a year and still have not received my money back. The problem is I am graduating this XXXX and will be leaving the US. I do not know if I can get my money back before I leave. If I do not, then it means I will never get the money. What should I do?
Consumer complaint received 2024-04-16
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. (TX)

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-02-24
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc. (FL)

I was lied to from the beginning when enrolling in this school. I don't know if this is the right place to let you know all the things I was lied to about. For now I would like to let you know that I will never be able to get my XXXX. The XXXX I went to has closed. They would not even give me my transcripts until I paid them XXXX XXXXXXXX They promised me job placement which they never helped me XXXX XXXX XXXX XXXX. I sacrificed 2 years of my life, scared to death of failure because this school was extremely expensive, XXXX XXXX  I could not find a job in my career. I had to do the best that I could freelancing and was forced to live with my parents. All these great promises this school told me were not true. Now I have an enormous outstanding balance, no work, no career, XXXX XXXX to show employers, not even transcripts to continue education because I can not find a job for what I went to school for. I am so saddened, feel hopeless, and left in the rain. I will never get XXXX XXXX that I worked so hard for. Yet I am forced to pay this enormous amount of money which has accrued a tremendous amount of interest already. This is why I am reaching out. I need help, I believe this should be illegal. I believe I did everything right with good intentions, yet I was suckered into this school 's empty promises.
Consumer complaint received 2024-04-16
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. (IL)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2024-04-16
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. (IL)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2024-02-24
Product: Credit card — Store credit 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: JPMORGAN CHASE & CO. (FL)

I purchase and item totaling XXXX XXXX make an initial charge of {$400.00} my chase Amazon XXXX card to be able to ship item, next day I cancel item due to the item difucult use, i cant yse this on my self I had to show someone else, it was comolicated to use a portsble Defribilator. 
Next day I cancel item and Amazon reflected this on my account. XXXX attempted Delivery on XX/XX/year> I refused the XXXX attempted delivery. 
The balance of XXXX was supposed to be bill by amazon in monthly installment.

Since item was cancel and package refused on attempted delivery.

I have put a dispute through Chase showing documents emails, responses from amaxon showing tracking of package and refusal of item tracking it back to UPS This is been going on since XX/XX/year> Chase told me that Didpute time have pass, I took Chase 3 months to rule on Amazon favor then closing Dispute.

I sent a Fax requesting a, reopening of the dispute again with all documentation reflecting package cancellation, refusal of attempted delivery by XXXX. Amazon keep refusing to refund me {$400.00}. 

I contacted Chase Executive offices complaining abou this issue. I receive a Chase internal letter XXXX XXXX stating the same outcome Chase telling me that is been so long since XX/XX/year> that Amazon is refusing to refund me and that the charge of XXXX was valid. 
Showing all the documents sent by Amazon to me about cancellation and package refusal. Is not fair what there doing is ore disgusting having all the require documents showing to rule on my favor and simply refund my XXXX and Chase the provider of card not protecting me as their consumer.
Consumer complaint received 2024-07-22
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. (FL)

I received a copy of my credit report and am writing to dispute the following information that appears on my credit report. 

The following inquiries and accounts are unauthorized or inaccurate, and I ask that you delete them, I don't recognize these lender and I don't remember authorizing them to perform a hard inquiry on my credit report or add any accounts ... By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Note .... 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. 
Marked ( * ) for deletion Accounts... 
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 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 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 2024-04-16
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. (AZ)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : 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 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy ; 15 USC 1681 Section 604 ( a ) ( ii ) also states a consumer reporting agency can not furnish an account without my written instructions ; under 15 USC 1666 ( b ) a creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-04-16
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. (AZ)

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-04-16
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. (NJ)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Velocity Portfolio Group (TX)

these companies do not belong to me. 

XXXX XXXX XXXX ( OPENED XX/XX/XXXX ) XXXX XXXX XXXX ( OPENED XX/XX/XXXX ) XXXX XXXX ( OPENED XX/XX/XXXX ) ( XXXX ACCOUNTS ) XXXX XXXX XXXX ( OPENED XX/XX/XXXX )