davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

DEAR XXXXDept of Education On XX/XX/XXXX I was denied a credit card based on this reason. " EXTREME DEBT TO INCOME. '' XXXX ) The primary reason of the Adverse Action Notice was based on my student loan debt. The debt listed on my credit report is from the student loan servicer XXXX. 

XXXX ) The account listed is " Deferred until XX/XX/2025 '' XXXX ) When XXXX pulled my credit report from TRANS UNION. The student loan debt generated HIGH DEBT TO INCOME causing denial. 

XXXX ) This dispute alleges XXXX of " inaccuracy and compliance issues '', defective and erroneous interest compounding and abatements. 

XXXX ) The information generated from " TRANS UNION '' including the " reason codes '' and or " risk scores '' or any prejudice contained in the report. 

XXXX ). The failure to use a manual review for the extension of credit. 

XXXX ). Failure to use recommended " Debt to Income Ratio '' calculations or other assessments of applicants ' creditworthiness, and persons with student loan debt.
Consumer complaint received 2023-12-06
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)

I AM A NATURAL PERSON. I AM A LIVING HUMAN BEING, I HAVE THE RIGHTS UNDER 15 USC 1681. XXXX IS GOVERN BY 15 USC 1681. AND THEY VIOLATED MY RIGHTS NUMEROUS OF TIMES. I DEMAND THE ACCOUNTS LISTED BELOW BE REMOVE BECAUSE ACOURDING TO 15 USC 1681 : I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE XXXX, XXXX AND THOSE OTHER COMPANYS WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS. 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
Consumer complaint received 2023-12-06
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: Experian Information Solutions Inc. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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.
Consumer complaint received 2023-12-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (TX)

XX/XX/23 - Call Aidvantage customer service to get a refund on my negative account balance. Agent tells me that the loan is paid off and does not exist anymore. Tells me to call university. 
XX/XX/23 - Call Aidvantage again to request refund on the negative account balance. Representative tells me that I shouldnt worry because my loan is paid off and to tell the school I dont owe them the money. 
XX/XX/23- University tells me that since the loan was cancelled and they paid the loan company, I needed to request the funds from Aidvantage to pay them. 
XX/XX/23 - Another call to Aidvantage. Representative again tells me not to worry about it when I repeatedly say that I need the money to pay back my school for the cancelled loan. I clearly have a document on my account that shows a negative account balance. I am getting extremely frustrated at this point. 
XX/XX/23 - Call Aidvantage again in the hopes of getting someone who knows whats going on. Representative says they are requesting a refund. 
XX/XX/23 - Have heard nothing. No confirmation of anything. I guess I am just supposed to wait without knowing if anything actually happened. I need that money to be able to enroll next semester otherwise they will block enrollment for owing thousands.
Consumer complaint received 2023-12-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (WA)

No payment is due while processing Sweet V Cardona. My school is listed in Exhibit C and money is owed to me by MOHELA. Violating terms of Sweet V Cardona settlement by trying to collect payment.
Consumer complaint received 2023-07-31
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Atlas Credit Company, Inc. (VA)

Today XX/XX/2023, the staff at atlas credit came to my work, gave out private information regarding the reason for being there, when I asked her to not come by my job again or I would report her for harassment, she said well pay then and became verbally abusive. Then after she left, I proceeded to get text messages after I asked them to stop contacting me several times. I previously asked them not to contact me at work on my work phone because they were calling every day and I was getting reprimanded for the excessive calls.
Consumer complaint received 2023-09-01
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. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX LATE PAYMENTS Part XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX or TransUnion ) consumer report, and I noticed some late payments posted on my consumer report : XXXX XXXX XXXX XXXX XXXX Account # XXXX Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to or ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) ( XXXX XXXX XXXX XXXX XXXX XXXX Making the report is not INCLUEDED on my Consumer report!

YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

You have 10 calendar days to update my Payment history and or delete all late payments from the below account/s transactions experiences between the consumer and the person making the report A Late payment is a transactional history, My HISTORY with your company and CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 

[ XXXX XXXX XXXX XXXX XXXX Account # XXXX ] Failure to respond satisfactorily with deletion of the above Late Payments, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX XXXX
Consumer complaint received 2023-12-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (WV)

In acceptance with the Fair Credit Reporting act XXXX Account, 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 a account without my written instructions
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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.
Consumer complaint received 2023-12-06
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CO)

I got an alert from XXXX XXXX stating that an account was closed recently. I logged in and saw that Synchrony closed my Discount Tire credit card. This account was opened XXXX  with an {$800.00} credit limit. I was confused as I have NEVER been late, not once on my payments. I logged into my Synchrony account and the chat agent told me that it was due to a review of my credit report that management made the decision to close my account. The agent even acknowledged that I had never been late on my payments. I also pointed out that I have two other accounts with them that I have also remained in good standing with. 
She then told me that I was sent a digital letter from them. I did receive a notification about this correspondence on XXXX which required me to input my zip code to open. I did that and only received an error message with no other way to open the correspondence. 
I don't understand how they can do this if one is in good standing with their organization. I have never been late and this helps my credit when reporting that I am consistently making on-time payments. 
This should not be allowed to occur. 
I can understand closing a habitually delinquent account but to close an account that still has an over {$500.00} balance AND has been paid consistently on time should NEVER be allowed. I am not a risk for them based on my history and feel very victimized by this.
Consumer complaint received 2022-07-04
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. (CA)

On XX/XX/XXXX and unauthorized charge appeared on my cash app prepaid card on XX/XX/XXXX for {$170.00} from the XXXX XXXX then another charge came through for {$350.00} from the same XXXX XXXX XXXX when the second charge came through for {$350.00} that's when I noticed that there have been two different transactions contacted the cash app customer service all they're doing is giving me the runaround they stated that my card was present when the transaction happened which is not true at all I have the XXXX app on my telephone and that card was used as a backup form a payment my phone was lost whoever my apps as well as my credit. I've contacted the XXXX XXXX I was told to call my credit card company did not get no assistance I'll explain that to the cash app customer service
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX Acct # 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 a account without my written instructions 15 U.S.C 1666b A Creditor May not treat a payment on a mortgage account under an open end consumer credit plan as late for any reason
Consumer complaint received 2023-04-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (AZ)

On XX/XX/23 I received 3 credit alerts regarding a debt owed by XXXX. I have never received any correspondence pertaining to this debt They failed to accurately validate the debt and placed this my credit, my wife 's credit and my mothers credit with out consent. I have had absolutely no communication with them
Consumer complaint received 2023-09-01
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. (NC)

My name is 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.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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.
Consumer complaint received 2023-09-01
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. (IL)

I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Consumer complaint received 2023-09-01
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. (FL)

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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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 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.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report.
Consumer complaint received 2022-06-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (FL)

Cash qpp is holding my money and has cause my carnote to be behind. It's even sitting for XXXX weeks I have went back and forth with XXXX. They removed my email from my account without my promission. And I have sent the requested information XXXX XXXX XXXX to new account they made me create XXXX
Consumer complaint received 2023-09-01
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: World Acceptance Corporation (SC)

I started a personal loan with world finance XXXX of XXXX for {$1500.00}. The payback would equal out to {$3500.00}. As XX/XX/XXXX comes around I find myself struggling again to pay my rent and all of a sudden I received a text message from world finance. The message was asking to refinance my loan and receive money and lessen my monthly payments. Of course I agreed to the new terms. I came to find out later I had restarted another loan starting the repayment plan all over again. I was months away from paying off the first loan when I received that message. I only received {$400.00} for the refinanced loan and have to payback XXXX.
Consumer complaint received 2024-03-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (IA)

On XX/XX/XXXX I received several emails from XXXX confirming transactions for hotels in NJ that I had just booked. Upon receiving these, and being that I am in Iowa and have no intention of going to NJ, I knew that these were fraudulent. So i immediately ( that night within minutes ) contacted XXXX and alerted them. In the ensuing XXXX hours of being transferred around they refused to help me and told that because these were booked through there " sister-site '' booking.com, even though the confirmations came from XXXX and the person who made broke into my XXXX account XXXX that they could not help me. They would then transfer me to booking.com who would then refuse to help and transfer me back to XXXX, this went on for a couple hours. After getting no-where and basically in tears at this point I gave and called my credit card company Chase. They assured me that their fraud department would take care of the pending charges on my account and that would only need to wait till morning to contact them. So the next day I called and filled out the required paperwork and trusted them to take it from there. Two months later I received a follow up phone call stating that since they couldn't verify that my account had been hacked they were sustaining the charges and I would have to pay them. 

I pointed that I had called while the charges were still pending and asked why they paid them at all, to which they said that " I just didn't know how it worked '' and that pending charges have to be paid to " certain vendors like XXXX ''. I asked why if XXXX had canceled XXXX of the charges the first night for fraud, which they did, why wouldn't all be treated that way and I was told that was between me and XXXX and they wouldn't do anything to help me. I was then told that all of this would noted on my account but that if I wanted to further dispute this I would have to contact XXXX. Which I did. After spending another hour and change on the phone XXXX agreed that another XXXX of them was fraud and instructed me to have Chase call them back for a refund, so i contacted Chase again and they refused to help me any further so i canceled the card. 

The charges appeared on my bill as follows : All appear on XX/XX/XXXX, in the amounts of {$170.00} {$160.00} {$140.00} {$170.00} {$170.00} {$170.00}
Consumer complaint received 2022-06-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (WV)

On XX/XX/2022 I had went on my cash app to do a normal check and noticed that my money was gone from my account, I looked to see where the funds went and immediately contacted cash app and also requested a refund from both parties that I did not know. My XXXX XXXX XXXX minor son have gain access to an old device that I did not know my cash app was attached too further more I have a code on my cash app that has to be put in before any funds is sent out so Im not sure how it happened. Once I contacted cash app they told me to request the funds to be returned from each party my son sent out money to, only one out of two return the money. I put in multiple disputes with cash app and was denied my money back from this stranger and was told to get it back on my own which is impossible cause I dont know this person nor do I have any contacting info.
Consumer complaint received 2023-12-06
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)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number XXXX XXXX has violated my rights. Or list of inquiries 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 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 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.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Atlanticus Services Corporation (CA)

Months ago I finally did my homework on what was ruining my credit score. My ex wife used my personal information to apply & used credit cards without my consent. She used her phone number & email address so I couldn't receive notification. If there's no justice in that, why bother being innocent. Even the police don't seem to care. Take initiative that I'm looking for a better future & these criminals need to be hold accountable. 

Blessings ...