davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-09
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: Experian Information Solutions Inc. (CA)

Hi I am having big problems with = Experian. com, on = Fraud & Thefts, Embezzlements, to my Credit Reports from them, a criminal group have been, racketeering off me? plus I have a, DA victims crime bureau case, just got ta fill out, Docs, plus got a Investigation Board in my Room, on this Group, I, m ex law enforcement,. 

The, Experian, Co, said I had = over = 26 Accounts of Fraud & Theft, done by, loans, advances, lines of credit, credit cards, purchases on files, I Got police Case on Experian, XXXX, XXXX, Clarity, I would like your Co, to get these All Legal Accounts, of fraud & Theft, and I give you permission, to collect my Financial Losses, from Every one Accounts please, By Laws & Regulation codes, penals, my = Bank Statements I have = they will be submitted today seperatly for all credit co, s on file and totals ok, any problems email me or call? my reasons why I do n't call or ask them, I, m sure there playing games here with my owed losses of acc, its a big mess = I got fraud & theft in almost every subjects by
Consumer complaint received 2023-05-27
Product: Credit card or prepaid 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: Block, Inc. (FL)

Ive had an account with Cash App many years, I am disputing a transaction for {$600.00} and I was waiting for incredible to credit back my account so it was overdrawn pending a result. 

I XX/XX/XXXX I received {$1000.00} from another Cash App user that was sent to me by mistake. He immediately disputed the charge stated it was not intended for me. He immediately requested a refund, However I could not process a full refund as he requested me to Even though the monies will not intended for me as the recipient. He has contact me numerous times requesting that I reversed The transaction as I did not have authorization to accept. 

I contacted Cash App to have them reverse the process as I do not want to take part in receiving or being involved in the fraudulent transactions that were not authorized. They simply denied it even though their policies state that they do not partake in the mis-use of Inappropriate funds.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am requesting the removal of the FRAUD ALERT FROM MY CREDIT REPORT. THE NUMBER ON MY CREDIT PROFILE IS NOT CORRECT XXXX THAT NUMBER IS NO LONG AVAILIABLE. PLEASE UPDATE MY NUMBER TO XXXX.
Consumer complaint received 2023-09-11
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (SC)

Conns home plus has called me 21 times in two days. They have Emailed me and sent me text messages as well. This is a clear violation of the 7 in 7 rule. A creditor can not contact an account holder no more that 7 times in 7 days between the hours of XXXX and XXXX. I am aware of what I owe and efforts are being made to catch up missed payments but harassment will not be tolerated. The calls must stop or I will be forced to seek legal counsel and pursue litigation.
Consumer complaint received 2016-09-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc. (FL)

Unfortunately I could only choose one option, however more than one does apply to my situation. On XXXX XXXX, XXXX, I closed my account with XXXX, which was paid in full Thru XXXX XXXX, XXXX. I had acquired a signal booster from XXXX as well, which was Returned on XXXX XXXX, XXXX, which was within the 30 days I was told to return it. I returned device to local XXXX store, which shipped via XXXX from the LocAl XXXX store to XXXX headquarters, the manager who sent the device to XXXX headquarters had rec for the shipping, as I have rec for returning device on XXXX/XXXX/XXXX. However XXXX HQ stated they never rec the device and sent me to collection. Collection company added XXXX to the already fraudulent charge of {$300.00} for a signal booster I returned. 
XXXX inc was the first collection Company which added {$190.00} to The signal booster charge of {$300.00}. for a Collection???? stating total debt due of {$490.00}. after responding to XXXX sending them copies of my receipts showing the device was returned, they took it off of my credit report and then sold the debt to Amsher. 
Before XXXX sold the debt I was able to clear my credit report up with the credit agency, showing I had no owed bad debt. Within days Amsher reported negative fraudulent debt against me again affecting my Credit report and FICO score, AGAIN, and have since hired an attorney. Amsher has also been copied on all receipts showing the device was returned my account was paid in full through XXXX XXXX, XXXX, to which I rec response stating they contacted XXXX & XXXX stated it was a Good Debt. This entire incident has negatively impacted me financially from a triple rate on auto insurance to an undeserved high interest rate for an auto loan, and since I REFUSE to pay a ridiculous int rate, because my credit is, or should be STELLAR! I pay my bills on time and owe NO ONE! This activity and collusion between XXXX diversified collection, XXXX XXXX XXXX XXXX attorney is illegal and 100 % fraudulent. I have been harassed threatened provoked and asked to settle on a debt I never owed. I have been told for a year that it will be taken care of only to continue to pay a ridiculous insurance premium and not be able to conduct business as I should, I am now without a working vehicle because I refuse to pay high interest rate and I see XXXX and these collection agencies not caring still one year later as I sit without an operable vehicle for something I never did this is illegal and corrupt, & needs immediate attention and resolve. not only do I want this removed from my credit now I want it backdated to when my credit report was first affected with all XXXX agencies that Amsher States they have submitted to. I am tired of trying to take care of this and fighting for myself and my rights with no resolve I have never heard of such monkey business. 
thank you I appreciate all you can do to help resolve the situation immediately XXXX
Consumer complaint received 2023-10-16
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. (MO)

Hello, I checked my credit report and i saw unauthorized credit check inquiries that i have not given consent to. I am demanding that these inquiries be removed withing 4 days because they are fraudulent. I am trying t establish relationships with banks but continue to be declined because of these items on m report. I have attached the fraudulent items to my letter and notified the FTC.
Consumer complaint received 2022-05-25
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: Experian Information Solutions Inc. (FL)

I Received a letter from XXXX XXXX company stating my information had been leaked in a data breach on XX/XX/XXXX. I since have started looking at my credit and noticed several hard inquires for loan, home loans, and auto that I never performed or asked these companies to run my credit. I have called all credit burros to report the issue and have these inquires removed with no solution and are still reporting on my credit. I have also called each company and they have stated my information was entered online. 

Inquires are from : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX There is also a double account for {$87.00} the original creditor was XXXX which is still reporting to my credit file as passed due then there is also a XXXX XXXX which bought this debt from XXXX. I have settled with them and the debt is paid i would like both removed from my report.
Consumer complaint received 2022-05-25
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. (VA)

XXXXXXXX XXXX XXXXXXXX has been illegally reporting late payments to all three Credit Bureaus stemming back to XX/XX/2020. While I was in a COVID 19 Repayment program XXXX promised not to charge any late fees or report any negative credit reports against me. I entered into the forbearance agreement with XXXX in XX/XX/2020. On XXXX, XXXX & XX/XX/2020, XXXX XXXX reported to all three credit reports that my mortgage was 60 days late. Then recently, XXXX XXXX reported that my mortgage was 30 days late, when in fact, my mortgage has not been late since I entered the COVID repayment/forbearance agreement/period. 

Below is what is listed on XXXXXXXX XXXX website. XXXX XXXX and the three Credit Bureaus XXXX, Experian and XXXX has disenfranchised me by falsely reporting these errors on my credit report, causing me to have a lower credit score and be denied critical lifechanging loans. I am respectfully requesting my credit reports are updated to reflect NO negative mortgage payments from the period of XX/XX/2020 until present. This is my right as a consumer to have an accurate credit report. I request my credit reports be updated immediately. I am attaching a copy of XX/XX/2020 statement to corroborate my aforementioned statement. Please review additional information where it indicates that I am in a repayment plan. 

During the forbearance period, we wont charge you any late fees. Also, we wont file any negative credit reports against you. But before your forbearance period ends, well work with you to build a plan to repay the payments you missed.
Consumer complaint received 2022-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXXXXXX XXXX XXXX  has been illegally reporting late payments to all three Credit Bureaus stemming back to XX/XX/2020. While I was in a COVID 19 Repayment program XXXX promised not to charge any late fees or report any negative credit reports against me. I entered into the forbearance agreement with XXXX in XX/XX/2020. On XXXX, XXXX & XX/XX/2020, XXXX XXXX  reported to all three credit reports that my mortgage was 60 days late. Then recently, XXXXXXXX XXXX reported that my mortgage was 30 days late, when in fact, my mortgage has not been late since I entered the COVID repayment/forbearance agreement/period. 

Below is what is listed on XXXXXXXX XXXX  website. XXXX XXXX and the three Credit Bureaus XXXX, XXXX and TransUnion has disenfranchised me by falsely reporting these errors on my credit report, causing me to have a lower credit score and be denied critical lifechanging loans. I am respectfully requesting my credit reports are updated to reflect NO negative mortgage payments from the period of XX/XX/2020 until present. This is my right as a consumer to have an accurate credit report. I request my credit reports be updated immediately. I am attaching a copy of XX/XX/2020 statement to corroborate my aforementioned statement. Please review additional information where it indicates that I am in a repayment plan. 

During the forbearance period, we wont charge you any late fees. Also, we wont file any negative credit reports against you. But before your forbearance period ends, well work with you to build a plan to repay the payments you missed.
Consumer complaint received 2022-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Financial Data Systems (SC)

I'm XXXX XXXX, and I need your help in contacting this company. I made an attempt to get in touch with them to ask why someone had registered an account in my name. I regret that this extremely significant issue is now harming my credit profile. Since it also violates data privacy, I do not let anybody to use my name, date of birth, or any other information. They must identify who started the account in my name and just provide that individual my information. Kindly help me in solving this.
Consumer complaint received 2017-11-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I have attempted to contact this company and dispute this debt with the credit bureaus. This company will not provide me with a letter of validation that this debt belongs to me. I have asked for signed documents or the original documents for the debt. The credit bureaus XXXX, XXXX, and XXXX continue to say that the debt is verified but they will not send me the validation method being used. By law I am authorized to request a letter of validation with my signature or the debt has to be removed from my credit. I have not received anything from the company or the credit bureaus.
Consumer complaint received 2024-03-10
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (FL)

I received a letter on XX/XX/XXXX, from Mohela stating that I was granted student loan forgiveness. 
Introduction to the letter, " Congratulations! We completed our review of your repayment and qualifying employment history under the PSLF Program rules including the limited PSLF waiver explained below, and awarded PSLF credit based on these requirements. We determined you have successfully met the requirements of the PSLF Program and your loans listed below have been forgiven. Thank you for your public service! '' However, on XX/XX/XXXX, I received another letter that my account was placed on forbearance and another letter without a date stating that it was an error and a premature discharge. 

Introduction to the letter. 
" On XX/XX/XXXX, we sent you a letter in error stating we determined you successfully met the requirements of the Public Service Loan Forgiveness ( PSLF ) Program and your loan ( s ) had been forgiven. You should not have been sent a letter stating your loan ( s ) were forgiven as your loan ( s ) do not yet qualify to be forgiven. We now write to explain the error, the updates made to correct your account, and steps to take if you disagree with the correction. '' I want my loans to remain in forgiveness status as initially reported and congratulated for my service.
Consumer complaint received 2023-04-18
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. (VA)

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 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 2022-05-25
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: RFNA, LP (SC)

In accordance with the Fair Credit Reporting act ; The Vendors/accounts listed below have violated my federally protected rights to privacy under 15 USC 1681 1 ) XXXX  XXXX XXXX ( account beginning with XXXX ) 2 ) XXXX XXXX ( account beginning with XXXX ) XXXX ) Republic Finance ( account beginning with XXXX ) 15 USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 604A subsection 2 states that any company can not furnish information without my written instructions. 

15 USC 1681c ( a ) ( 5 ) states that any consumer reporting agency may not report any adverse or negative items other that criminal convictions of crimes which predates the report by more than 7 years.
Consumer complaint received 2021-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I am submitting documentation ( XXXX XXXX ) I have submitted many documents and have given each respected company more than enough time to respond accordingly, There needs to be upheld justice, companies must follow the Law The FDCPA is clear on its laws and each company that is listed below have violated my reputation and I demand answers accordingly to each violation represented.
Consumer complaint received 2021-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MN)

Can not get my credit unfrozen from Experion. They do not have any customer service available to ask questions and get help. It is all automated and will not let you get to talk to anyone. This is unfair to the consumer. We need to get answers about what is going on with our information.
Consumer complaint received 2021-12-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (MN)

I refinanced my home last year, XXXX XXXX. BSI Financial is the loan servicer for my home mortgage. In XXXX, I received a statement from my County indicating that all of the XXXX taxes were not paid and I owed a balance of {$1.00}. I called BSI and indicated that I have XXXX XXXX parcels and that only XXXX of the XXXX taxes was paid. I gave the individual the parcel # over the phone and was informed that I would not be assessed a penalty. In XXXX, I received an escrow analysis that shows BSI Financial paid my XXXX taxes of {$1900.00} in XXXX and again in XXXX. 

They also paid XXXX  taxes of {$1800.00} in XXXX and again in XXXX (?? ) and now they want to increase my escrow account from {$440.00} to {$780.00} a month. I have no clue what property they paid {$3600.00} from my escrow account. I have tried calling them and have left XXXX very detailed voice mail messages for XXXX XXXX, BSI at XXXX XXXX with no return response. BSI wants to increase my current monthly payment from $ XXXX to $ XXXX on XXXX
Consumer complaint received 2019-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Multiple unauthorized inquiries listed on credit report. I disputed items with the credit bureau and was advised that the inquiries were authorized. I disputed again, asking for proof that the dispute was investigated. I never received any proof that the dispute was investigated, nor were the unauthorized inquiries removed. It is my contention, that without any proof that the dispute was never investigated and is a violation of the law.
Consumer complaint received 2017-11-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

XXXX XXXX received phone call from XXXX, XXXX, XXXX, what ever from Portfolio Recovery XXXX opened XXXX to collect debt not owed through XXXX Bank for XXXX. 

We asked if they had a validation number and she did n't and we told them to stop calling and that we would report them to FTC, US Government and other XXXX agencies. 

This is an additional note to all the other complaints filed with CFPB.
Consumer complaint received 2021-12-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MA)

Hi my name is XXXX XXXX email address XXXX XXXX PayPal account was hacked on XX/XX/21 and new address was added to my account. On XX/XX/XXXX my account was closed by theft and all money XXXX + were stollen. I realized that on XX/XX/XXXX and called Pay Pal that day. A representative told me that two checks were mailed to my address. I did not receive any checks. I called many times Pay Pal help desk asking to cancel the checks. I talked with security department but every time I called, I got different representatives and different answers. I also ask to speak to a manager but was not connected after more than hour waiting. It's very unprofessional
Consumer complaint received 2017-11-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Halsted Financial Services, LLC. (NV)

A company has called me from Halsted Financial regarding a debt which I did not take out it was fraud, someone used my name and social. This debt is some kind of future bill in XXXX I did file a police report in XXXX but now live in XXXX and can not obtain a copy of it but it is filed and if needed they can contact the police department. 

This is NOT my debt
Consumer complaint received 2017-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

I have been looking for a mortgage and have multiple inquiries, many within the XXXX day time frame, but they are from different sources. Now I have a poor rating in hard inquiries. No one will correct this issue and I will have to put up with this lower score for XXXX years until they are charged off. Please make them clean up my hard inquiries.