davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-18
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. (PA)

I file a complaint XX/XX/XXXX and XX/XX/XXXX And FTC report was filed as well in regards to below account ; XXXXXXXX XXXX XXXXXXXX Account number XXXX Account type XXXX XXXX XXXX XXXX Individual Date opened XX/XX/XXXX This account is fraudulent and does not belong to me. I will be attending documents to support my claim that I was incarcerated from XX/XX/XXXX until XX/XX/XXXX theres no way I could have open an account with these people. Thats probably why they will not respond to my Validation letter that I sent out on the above dates.
Consumer complaint received 2019-02-08
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

Per TEXAS DEBT COLLECTION ACT, TEX. FIN. CODE 392.001 et seq. which prohibits a debt collector or credit bureau from engaging in debt collection in Texas unless the debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State.

The following company does not have a surety bond on file with the State of Texas and is actively pursuing collections via mail to my address. I notified them via certified mail that they are in violation of TEXAS DEBT COLLECTION ACT, TEX. FIN. CODE 392.001 et seq. as well as the DECEPTIVE TRADE PRACTICES-CONSUMER PROTECTION ACT, SUBCHAPTER E and demanded the immediate removal of this tradeline from all three credit bureaus as they have violated the aforementioned laws. 

Company name : XXXX XXXX XXXX, a division of XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2019-02-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (MD)

XXXX XXXX, my 3rd Party User, received a call from XXXX XXXX, Relationship Manager, Mortgage Assistance ReApplication Review Team ( ID # none ) on XX/XX/XXXX @ XXXX XXXX, on phone 19mins regarding the (XX/XX/XXXX) letter restating their decision to which XXXX requested again asked to what SERVICING AND LOSS MITIGATION, FHA Pre-Foreclosure Sale ( PSC ) Handbook 4000.1, Section Guidelines was the decision based on she didnt know put XXXX on hold to come back and said she would call him back.

Previously XXXX called XXXX, on XX/XX/XXXX @ XXXX XXXX, on phone for 92mins to Change in Circumstance Team to XXXX XXXX, Department Review Specialist ( ID # none ) stated the short sale option was continued decline from their ( XX/XX/XXXX ) decision because of the loan delinquency presently ( 152 months ) and the marketability of the property. XXXX asked to speak to a Supervisor, XXXX XXXX, Executive Office Support Group was not a Supervisor XXXX asked to speak to a Supervisor dropped call. XXXX called back at XXXX XXXX, on the phone for 16mins to XXXX XXXX, Escalations Case Manager XXXX. XXXX requested since CHASE, the servicer for the investor Case # XXXX, what were the FHA Guideline Sections pursuant to delinquency and marketability of a property. He did not know yet assured XXXX he would escalate questions that someone would get back to him by email or phone call also stated further communication needed to be forward to, XXXX, Executive Office Research Specialist, Case # XXXX @ XXXX ext.XXXX.

Mr. XXXX forwarded XXXX a copy of their ( XX/XX/XXXX ) 5 pages decision [ exculpatory evidence ] where CHASE continues to violate, Sections III.A.2.l.ii. ( B ) ( 1 ) ; III.A.2.l. ( 2 ) ( a ) ( iii ) and III.A.2.l. ( 3 ), where the ( minimum 31 days delinquency ) period is and marketability has to do with ( condemned ) my property is not condemned. For these reasons, I was compelled to file ( Bankruptcy XXXX  ) because we are not being allowed to short sale our property to avoid a deficiency judgment and/or foreclosure on our credit reports.

UNDER PENALTY OF PERJURY, we have examined the statements of fact presented in this letter with XXXX and to the best of our knowledge and belief is true, correct and complete. All calls were monitored and recorded ( phone transcript ) will verify the conversation with the above said Parties, etc.

Sincerely, XXXX XXXX XXXX and XXXX XXXX XXXX, Homeowners ( Married )
Consumer complaint received 2022-08-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harris & Harris, Ltd. (KS)

On XX/XX/2022, Harris and Harris Limited debt collector has called me multiple times regarding a debt but refuse to indicate who they are attempting to contact or what the debt it for. The company has also failed to provide any written notice regarding the debt.
Consumer complaint received 2022-12-30
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: Experian Information Solutions Inc. (AL)

I requested that the credit bureaus to re investigate each account listed for the completeness and accuracy of the list of accounts below on XXXX 

According to the FRCA the term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

On XXXX they responded that my accounts were verified and 100 % accurate but how is that possible if they didnt do a proper investigation according to the law? Also every piece of information on these accounts are still not reporting 100 % accurate. According to the FRCA 15 USC 1681 everything must be 100 % accurate. I have attached my latest credit report as proof. 

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
Consumer complaint received 2019-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

I am filing a dispute to have the current status updated on my U.S.DEPT OF EDUCATION LOAN properly reflecting I would pray the the credit bureaus cease reporting of the incorrect information IMMEDIATELY.and I have attached the most recent paperwork showing the program that I am in my deferment status please remove/delete the late collections status immediately. I am closing on my home and this matter has in fact been resolved with the United States Dept of Education. US DEPT OF ED/XXXX/XXXX # XXXX, U S DEPT OF EDXXXX # XXXX, U S DEPT OF EDXXXX # XXXX
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (MD)

I had entered into a non- binding mediation proposal with XXXX XXXX because of the use of my credit score to profit by the bank and the opening of an unauthorized checking and savings account on my behalf by the bank. On XX/XX/2022 and on XX/XX/2022 l had sign an agreement with the bank because of the terms listed on the mediation proposal by the XXXX XXXX XXXX XXXX XXXXXXXX. XXXX XXXX had paid to me the sum of {$970.00} for the agreement made because of the mediation proposal. The agreement was for XXXX XXXX to pay to me the sum of {$700.00} grossed. The sum of {$970.00} paid to me by XXXX XXXX is a very little sum of money compared to what the mediation proposal had ask to be paid. The proposal had ask for a two year identity theft protection along with the {$700.00} grossed to be paid to me by the bank, XXXX XXXX XXXX. XXXX XXXX had ask me to enroll in Experian XXXX, a {$60.00} XXXX in value base upon my opinion. I had told the bank that l had enroll in Experian identityworks because of the lawsuit file by Experian because. of the data breach that had occurred and the settlement of the lawsuit that was file because of the Experian data breach. I was told by the XXXX XXXX mediation program office and by the claim representative of XXXX XXXX, XXXX XXXX, that the most XXXX XXXX  could offer me for my failure to procure the identity protection service offered by the bank because of my prior enrollment in experian identity works offered also by XXXX XXXX is the sum of {$200.00}. I would like for the consumer financial protection bureau to inform XXXX XXXX of any exact amount of money owed to me by the bank, XXXX XXXX because of the agreement made between myself, XXXX XXXX XXXX  and the XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-26
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: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I would like to file a complaint against the collector Portfolio Recovery Associates, LLC for violating the Fair Debt Collection Practices Act and Fair Credit Reporting Act. 

On XX/XX/2021 I requested Portfolio Recovery Associates, LLC to request validation that is competent evidence bearing my signature, showing that I have or had some contractual obligation to pay. In response, evidence was never provided. As result, I sent a second request on XX/XX/2021. In their second response, they did not provide any information that I requested such as the name, address, and telephone number of each person who personally verified this alleged account. I inquired about how they verified without showing any proof bearing my signature. 

As a result, I would like for CFPB to investigate this matter.
Consumer complaint received 2019-02-08
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX I purchased a car XXXX and was charged of showing a date of last activity of XX/XX/XXXX with XXXX. The loan was sold to XXXX and later sold to XXXX XXXX XXXX. In XXXX I noticed the account still showing on my credit report with XXXX with a date of last activity of XX/XX/XXXX and I disputed the account with XXXX XXXX XXXX after I noticed that it was still on my credit report after the seven 7 reporting statue. 

I would like for you to send me a printing of all the payments made to this account along with copies of the contract and proof of the date of last activity of XX/XX/XXXX if it was a payment or credit to the account. 

I have attached the two credit reports one showing the XXXX account and the other one showing it removed after I disputed it wtih XXXX XXXX collection.
Consumer complaint received 2023-11-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc. (GA)

On XX/XX/XXXX I noticed that my cash app $ XXXX was closed it took cash app weeks to provide a reason why. I didn't do anything wrong I was having XXXX and family and friends was helping me and they closed the cash app. They only responded to me because I reported it to the cfpb after waiting weeks for them to respond. I created a new cash app $ XXXX on XX/XX/XXXX I noticed that cash app was closed and they are giving the same bogus reason. I don't do anything wrong my birthday was XX/XX/XXXX so I received cash apps and I guess they don't like the fact a XXXX XXXX  can have money coming in so they closed it. At this point I feel like I'm being discriminated against they closed my 2nd cash app within months of each other for no reason. Today is XXXX and I have asked Cash App for an answer I've called the customer service and those foreigners are rude and hung up in my face I felt so disrespected. I'm a law abiding citizen I don't do anything wrong and they close my cash app. I use cash app to send my family and friends funds and also they send me things. Doing this for a second time and not wanting to tell me why is absolutely wrong. I want to sue them for discrimination at this point. I don't know if it's Square or cash app.
Consumer complaint received 2022-09-16
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. (SC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-08-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (TX)

Franklin Collection SV account XXXX XXXX XXXX XXXX  I have know Idea what this is for and why you placed it on my credit report. 
please give me some type of information about this debt, { 1 } a copy of billing, A copy of a service contract with my name on it, where or who made the debt, what type of debt this is and for what. I be waiting to hear back in your response to the CFPB because I have no idea what this is for
Consumer complaint received 2019-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIRST NATIONAL BANK OF OMAHA (GA)

Upon having my credit report run in order to qualify for a mortgage about one month ago, I was surprised to see an active, joint credit card account with my ex husband of 3.5 yrs. with no pmnts made in 90+ days. I called FNB Omaha ( creditor ) to request to be taken off acct due to my divorce in XX/XX/XXXX and my not being responsible for overdue balance whatsoever. On XX/XX/XXXX, FNB emailed me their required " request for one party to be removed from a joint acct '' form for both me and ex to sign and have notarized then mail ( I priority mailed instead ) back to them. I called FNB on XX/XX/XXXX to confirm receipt of form and the person I spoke with said that if I bring the acct current ( just over {$900.00} ), I would be removed from the acct! This was a surprise, but I quickly complied, making a {$1000.00} pmnt. FNB told me to wait until Mon., XX/XX/XXXX for my pmnt to post. So, I called XX/XX/XXXX and they confirmed it had indeed posted. I asked to be removed from acct asap and they said they'd have to have someone else call me back with that answer. I then proceeded with releasing a home inspector for {$320.00}, thinking I was in good standing to qualify for my mortgage. On XX/XX/XXXX, XXXX w/FNB called to inform me that I could not be removed because my ex 's credit score wasn't high enough. I explained what I'd been told on XX/XX/XXXX, so she put me on hold while she listened to that recorded conversation then proceeded to tell me she'd send my case to their President 's office for further review since I'd been given " mis-information '' that she indeed heard in that XX/XX/XXXX recorded conversation. Essentially, I was given misinformation on XX/XX/XXXX and XXXX herself confirmed that to me in my conversation with her. XXXX also asked that I email her my entire Divorce Decree that shows the effective date of XX/XX/XXXX. So, then I waited. 
I placed several calls to FNB seeking an answer and instead received delay after delay from no less than three FNB employees, with whom I'd have to repeat my entire story. My most recent call to them on XXXX ultimately yielded a final answer of " NO, I can not be removed from the acct '', despite my paying {$1000.00} under false pretenses. I in fact held up my end of their deal and FNB did not. I even mentioned " deceptive collection practices '' and that I brought the acct current under " false pretenses '', but they didn't seem to be phased or to care. I spent {$1000.00} in the expectation I'd be removed from the account, plus another {$320.00} to have a house that I now can not buy, inspected. FNB Omaha is misleading and more importantly, dishonest, and others need to  know.
Consumer complaint received 2019-04-01
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. (LA)

I have been paying XXXX XXXX for years and my account has been reflecting that I am not paying my child support. I pay my XXXX XXXX directly at the XXXX XXXX  XXXX Court house each pay date and The State of Louisiana Department of Children and Family Services, reports on my credit report that no payments have been made. This has been going on years now and has caused me major financial hardship. I have been unable to get a fair credit card, get a drivers license or purchase a home. Because they are reporting that I am not making my payments. I have contacted the parties involved for years now and they are unwilling to help correct the matter. I have attached my last 54 payments and I also have the receipts for the current month as well. These receipts come directly from the court clery.

I have exhausted all avenues trying to get assistance with this matter and in my research, I found that it is my right by law to have this account, completely deleted from my credit report and never to be reported again, due to the errors in the reporting of this account. This legal right is granted by the FCRA and I would like to enforce this right as I have been harmed for years now, with no assistance is correcting this matter.

I attached my last few payment receipts, I have last months receipts as well as the last 54 payments, I tried to attach them but your system won't allow me attach the file because it was over 10 MB. So I just attached a few, but can provide all of them for you, without a problem.
Consumer complaint received 2023-07-22
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. (CA)

While checking my recent credit report. I discovered a Fraudulent account in my credit. Account is not mine. I did not authorize this company to open an account under my name. I need this account deleted. Account information, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-01
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HYUNDAI CAPITAL AMERICA (MO)

XXXX XXXX XXXX has sold debt to XXXX XXXX XXXX   for A vehicle I own with title and lien release. No debt is owed to either company. A letter asking for validation was sent on XX/XX/2019. XXXX has not contacted me since. 
Amount attempted to collect was {$280.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX AZ XXXX
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

I am making a complaint on XXXX XXXX XXXX because there is a XXXX  XXXX bankruptcy reporting on my credit reporting file with XXXX XXXX XXXX, I have disputing this item with XXXX several times, and I have provided documents supporting my claim to XXXX, also there is a letter from the courts and a letter from XXXX to XXXX advising them to have the information removed off, XXXX uses XXXX to get there 3rd party information, XXXX is on XXXX credit report.
Consumer complaint received 2024-02-09
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. (FL)

In accordance with the Fair Credit Reporting act XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-07-05
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. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$6200.00} XX/XX/XXXX
Consumer complaint received 2023-11-09
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Block, Inc. (CA)

At the end of XXXX I received in the mail a CashApp debit card ( XXXX  ) that I never requested. I called them right away to cancel and find out how they had gotten my information. They had me send pictures of the card back and front and answer several questions which I did on XXXX. They said they would investigate and get back to me. I still have not heard from anyone there. 
Today XX/XX/XXXX I called to see if the card had been canceled as I requested and they say they can not give me any information, yet they can open an account under my name!!!! They were not helpful and both times I tried to verify the cancellation they dismissed me and hung up saying they could not help me and all they could do is escalate the case.
Consumer complaint received 2024-02-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (PA)

experian needs to get this correct, this account is reporting illegal info, it reports a increase in balance of XXXX dollar, then it reports decrease XXXX dollar, then it reports closed, its making my score go up and down, its again the surpreme courts rule, im filing a complaint with this illegal info your letting destoy my life, im going to sue in court agai