davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (GA)

The company said I was represented by an attorney which was never the case. 

This agency has also violated 15 USC 1692d 15 USC 1692f 15 USC 1692j The debt collector is liable under section 1692k of this title for failure to comply with a provision of these subchapter and will be held liable for civil liabilities
Consumer complaint received 2019-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NJ)

I have tried to order a Point of Sale device on on company 's website. At Check Out process they have an option get same device with Installment option which is about {$80.00} worth. In order to get that installment at same page it clearly says Fill in a few details below to confirm your identity. Instantly find out if your business can pay in installments. Getting your decision won't affect your credit score. And at the before Submit and Continue you have I have reviewed and agree to the Privacy Policy, E-Sign Consent, and Credit Authorization. So, believing their credit check will not affect my credit which is soft inquiry and i have moved on. Next morning when i woke up i have seen on my Experian Credit report a new inquiry as XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX, Removal Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX I have contacted with the company, they have stated to check eligibility is Soft Inquiry, if i am moving forward its an hard inquiry. I have not given them my consent to pull my full credit report. So the information they are giving is misleading. Applying and getting decision Soft Inquiry but when you get installment its hard inquiry. They have refused to remove hard inquiry from my report, i have contacted with Experian, they informed Consumer Financial Protection Bureau is in charge for these type of disputes.
Consumer complaint received 2019-01-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc (TX)

have been a victim of online fraud for the past 3 months and no one has been helping me in this process. 
A total of {$4300.00} was stolen from my bank account, using my debit card online. 
These charges were made using card number XXXX and XXXX. I bank with XXXX XXXX and they were informed of these charges. 
These charges were made, seemingly under the name Paypal. I called Paypal immediately following XXXX Monday and explained that I had noticed what looked like double charges or unauthorized charges on my account. They explained to me that I was going to be reimbursed and that these charges were going to drop. 
A very small number of these charges were put refunded and put back into my account, not all of them and then new charges started appearing. 
I've contacted Paypal multiple times and eventually, via XXXX one of their representatives told me to pursue my bank for these charges because they couldn't help me. 
I then contacted my bank. I printed and handed them the complete transaction list with all the unauthorized transactions marked out, a copy of all my Paypal activity page ( to compare with the authorize transactions ), a copy of my XXXX  activity and purchased Items page ( for comparison ), a cover letter explaining these charges. They kept all these documents for three days before calling me back to let me know that it was too much paper work and that they couldnt get it all done in time. 
I took the documents back and for the next four days I worked on completing out 114 dispute files and turned them in with my cover letter, another more recently copies of my Paypal Activity page, updated XXXX Purchased list, my police report information, a copy of the transcript of my communication with Paypal ( in which they tell me to pursue this through my bank ) as well as separate information and files about two other charges that were not Paypal related that I was disputing. and turned them in. 
After 13 days I contacted XXXX XXXX today and was told that my dispute was declined because the investigator had contacted Paypal and was told that they have been working with me on resolving this and that I would be refunded through Paypal directly. The XXXX XXXX representative also told me that I should receive a letter in the mail explaining that.
Consumer complaint received 2022-09-01
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. (NJ)

Transunion is reporting late payments on my consumer report that are nor properly investigated by law before they report the late payments from XXXX XXXX. By reporting this on my consumer report is also a violation of my privacy. Transunion is infringing on my rights to privacy by furnishing these late payment on my consumer report.
Consumer complaint received 2019-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

In XX/XX/XXXXI was informed by XXXX XXXX XXXX XXXX I was involved in a large data breach where my account and personal information were compromised. In XX/XX/XXXX I reviewed my credit report I noticed several fraudulent accounts I believe to be from this breach. I would like the incorrect documented information on my credit report removed immediately.Thank You.
Consumer complaint received 2019-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Burns Auto Credit, LLC (NC)

I have repeatedly disputed incorrect payment history on my account. It keeps reading every month and has been charged off since XX/XX/2014. Somehow they keep saying that I am making payment and then going in to collection in an effort to renew the debt and keep my score low. They refuse to remove the incorrect information.
Consumer complaint received 2022-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX XX/XX/2021 placed a hard inquiry on my credit report. I have never applied for credit with this company. I contacted the company back in XXXX of XXXX and was told they would look into the inquiry. As of today no one has contacted me.
Consumer complaint received 2019-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (OH)

RE : BANKRUPTCY ACCOUNTS NOT IDENTIFIED To Whom It May Concern : I received a copy of my credit report and the items listed below were included in a bankruptcy identified on my credit report. Please Remove the bankruptcy from my report and provide a copy of my court ordered bankruptcy. Please tell my how you are verifying this item belongs to me. 
According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must updated to reflect discharge in bankruptcy. 
I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 

If you have any questions or need additional information, please contact me at the address listed below. 

Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Social Security # XXXX
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (PA)

Account name JPMCB CARD Account number XXXX this account does not belong to me. I have not consented or contracted with this company. Furthermore, this account isnt being reported correctly. Open dates are inconsistent, original balances are inconsistent. This account needs to be removed from my credit reports.
Consumer complaint received 2022-09-01
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: CAVALRY INVESTMENTS, LLC (PA)

In accordance with a Fair credit reporting act XXXX XXXX XXXX ACCOUNT # XXXX has violated my rights. 
[ XXXX XXXX ACCOUNT # XXXX has violated my rights. 
[ CAVALRY PORT ACCOUNT # XXXX has violated my rights. 
Under 15 USC 1681 section 602 states, I have the right to privacy.

15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (TX)

Fraudulent XXXX  card application submitted with Comenity Capital Bank. Contacted the fraud department and currently do not have record of the application. Inquiry is currently showing on my credit report.
Consumer complaint received 2022-08-29
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. (MO)

By the provisions of the Fair Credit Reporting Act, I am submitting this CFPB complaint myself to request that the following items which I believe appearing to be inaccurate and incomplete be immediately investigated and removed on my credit file. When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2020 U.S. Bankruptcy Court
Consumer complaint received 2023-12-10
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (GA)

Cash App customer support refuses to issue refund for order placed that I never received. I have provided proper documentation showing the order I placed for delivery from XXXX was cancelled by the merchant and informed them the merchant refuses to give me a refund. Despite this information they have denied my claim 3 times and when I spoke with customer service for the XXXX time they told me to submit a dispute again and refused to give another method for insuring I would receive my refund.
Consumer complaint received 2022-09-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: McCarthy, Burgess & Wolff, Inc. (CA)

I've already filed a complaint against this company. The previous complaint id is : XXXX. Nobody has ever attempted to provide any information regarding this supposed debt. I've asked on numerous occasions. The attached ( email and attachment ) is a renewed attempt by MBW despite responding to the first complaint that they had no part in it.
Consumer complaint received 2023-08-11
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: MARINER FINANCE, LLC (TX)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2018-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (CA)

Navient received my signed physcians statement of XXXX XXXX for the XXXX discharge application in XX/XX/XXXX, by certified mail return receipt.

They received my signed statement in XX/XX/XXXX by certified mail return receipt that I had no income.

Navient still has my credit report showing I owe them large amount of money. Not recognizing or recording XXXX discharge.
Consumer complaint received 2024-04-02
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. (MO)

I was a victim of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Prior to me being XXXX XXXX XXXX XXXX XXXX with police officers, my ex-husband stole my wallet as a way to retaliate against me leaving him. I immediately called the credit card ( XXXX and Chase ) companies on XX/XX/2022 to make them aware of the situation and to freeze my accounts. My ex-husband then proceeded to hack into my accounts and unfreeze my credit cards and spend thousands of dollars using my credit cards which I did not authorize. I filed multiple police reports regarding the fraudulent charges, yet am still being harassed by debt collectors despite in the divorce it was ruled that I would not be held responsible for the debts that my ex-husband charged on my accounts.
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Lockhart, Morris & Montgomery Inc. (KS)

LOCKHART MORRIS & MONTGO listed a collection inaccurately on my credit report that I've already had removed. The dates, in which they've listed, are false and seem to restart over and over to make the debt appear to be more recent.. The collection agency willfully re-aged and knowingly placed this collection ( with false information ) on my credit report. 
I did not receive a validation/verification letter in regards to this debt being sold to them previously, before the debt appeared on my report. This has caused my credit score to drop tremendously and resulted in denials of credit lines and violated my rights.. Under FCRA and FDCPA guidelines I asked for a proper investigation, in which the bureaus claimed the debt verified. There were no interviews from family, friends, or my associates regarding my character or reputation. The date last reported is false and re-aged so how can the debt be verified and it is not 100 percent accurate. There were many violations made on the behalf of the collection agency. Including my right to privacy as stated in ( 15U.S.C 1681 section 602a ) nor did I give anyone written permission to furnish this on my report as stated in ( 15USC 1681 604a ) ( 15 U.S.C 1681g ) ( 15 U.S.C 1681c ) ( 15 U.S.C1681s2 ) ( U.S.C 1681b ) ( 1681a )
Consumer complaint received 2023-12-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (OH)

I'm trying to pay my rent, the only accepted way currently is through cashapp. XXXX payment didn't go through so I tried to split it up and then XXXX payment goes through but then the rest won't. So I keep trying. Still nothing. So then I contact support and support just keeps telling me they don't have management and they keep telling me to go to the support page. These people don't know what they're doing or how to run a bank. I've been scammed so many times by cashapp and they do nothing about it. The least they can do is actually do their job and not just keep trying to send me links.
Consumer complaint received 2022-09-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP (TX)

I received a letter yesterday about a fabricated debt. Never had any dealings with the company that was indicated in the letter ( XXXX XXXX XXXX XXXX ). Called the number on the letter at XXXX XXXX/XXXX/22 and XXXX answered the phone. I told her that the debt of {$190.00} does not belong to me and gave her the reference number on the letter and my name. She then tried to obtain additional information from me, and I told her that I will not be providing any information outside of what is indicated in the letter. XXXX XXXX response to that was " Call us when you are ready to provide the information that we need '', she then hung up on me. 

I find it ironic that I have to spend any time dealing with this fabricated debt, but was compelled to XXXX the company that allegedly created the claim and the collector... and was surprised to discover that I am not the only victim. I think a government intervention is necessary here to stop this abuse. 

I do not trust the debt collector ( Linebarger Goggan Blair & Sampson, LLP ) and the company making the claim
Consumer complaint received 2023-12-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (NC)

I have contacted CashApp several times in order to retrieve or obtain a refund of {$200.00} on an account which I was unawares had been hacked prior to my transaction. After my investigation CashApp was made aware of this account being hacked prior to me sending {$200.00} to a college student but did nothing to prevent or stop future fraud issues of the consumer. 
Due to a life change which began in 2021, I was unable to contact the proper authorities to assist me. This life change has been resolved therefore I am submitting my dispute.
Consumer complaint received 2019-03-31
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY (MN)

Wells Fargo states I owe them XXXX dollars in student loans, though I have student loans with XXXX which I can prove and XXXX is also reflected on my NSLDS correctly. I have filed against them with the settlement a year ago and when I call for follow up I don't get an answer or they diverte the question. They told me if I pay them XXXX dollars it will all go away. Since all of this it killed my credit score and I get harassed with phone calls. I have told them to not call. Also, I have had uncountable fraud charges over the years. Please help me. I am trying to buy my first house at XXXX and live my life but this is stopping me. I am responsible and have made all my student loan, car loan and any other payments on time.
Consumer complaint received 2022-09-01
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: EQUIFAX, INC. (WA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX Account 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.
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$430.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1000.00} ; XXXX XXXX Balance Owed : {$9900.00} ; XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-29
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. (MO)

I received my updated Credit Report and it is clear that the Credit Bureaus have neglected my requests. While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance Owed : {$340.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$160.00} XXXX XXXX XXXX XXXX Owed : {$2500.00}