davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (CA)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Personal Information : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX PREVIOUS XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ALSO KNOWN AS : XXXX XXXX XXXX EMPLOYER : XXXX XXXX. 
EMPLOYER : XXXX NAME : XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-01-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In XX/XX/XXXX, my identity was compromised. It started with my personal email being hacked. My personal XXXX XXXX XXXX account was compromised, my XXXX XXXX card, my XXXX XXXX card, my XXXX XXXX card, my XXXX   credit card, all of my store credit cards. There was a {$10000.00} XXXX credit line opened in my name. I was able to get all of the above resolved without a problem. My credit was pulled to try to get preapproved for a mortgage about a month ago, on my credit report is a XXXX account that I have not used since XX/XX/XXXX. This account now has open from XX/XX/XXXX, as well as another XXXX credit line for {$2500.00} from XX/XX/XXXX. XXXX will not speak with me because all of the account information is now different. They transfer me to their fraud department and then I get hung up on, because I can not verify the new information. The address has been changed, the phone number has been changed. I've opened disputes with Transunion and XXXX, but have not received any response. I can not reach a live person with XXXX  to file a dispute for both of the accounts from XXXX and XXXX that are not valid.
Consumer complaint received 2015-04-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Family with similar names and SS that only changes by XXXX digits. I 've requested and submitted proof of legal name and SS card and letters to get my credit straight of the past 10 yrs. They just do a quick fix but in less than 3-6 months go back to square XXXX. It 's affecting me in job interviews, Car loan, mortgage loans and Credit card apps. Do to this commingled info I have to pay Higher IRR and I have a debt ratio so high that I ca n't afford to pay for loans in a fair market.
Consumer complaint received 2024-10-23
Product: Credit 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: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I attempted to dispute credit card charges through USAA for charges made and I did not receive the service I was paying for. They chose to not believe me and still charges for this. They claimed they were valid charges even though I did not receive what I paid for. They requested documentation that doesnt exist. I can not prove whether I received what I paid for or not as it was a digital purchase. Ive been a member for a long time and this was my final straw. All Charges my account from XX/XX/year> to XX/XX/year> are essentially fraudulent charges as I received nothing and was charged for it.
Consumer complaint received 2024-10-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (OH)

On XXXX amount of XXXX was sent through cash app. That transaction was then declined by the person receiving the money on XXXX XXXX cash app money would be back in my bank account on XXXX. The money was never sent back to my account.
Consumer complaint received 2024-10-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (FL)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2024-10-23
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: Thaxton Investment Corporation (TX)

The derogatory rating on my account has directly caused loan denials and increased interest rates on my existing credit accounts. This inaccurate rating must be deleted and blocked from reporting to all three consumer reporting agencies immediately, as required by law.
Consumer complaint received 2024-10-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

On or about XX/XX/2024 I came to a local Citibank office to wire transfer but it was declined for wire transfer! As a result, I got an upset and request to close my checking account ... after that on or about XX/XX/2024 and few days later, I received a letter stated on that date that my account is automatically closed and my checking balance funds shall mail to my address but since XX/XX/2024 to date, no refund has been made by the Citibank and I called its relevant Citibank customer service, fraud department ... to ask for refunds but all attempts are not successfully!!!
Consumer complaint received 2024-10-23
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. (FL)

Subject : Complaint Regarding Cash App Transaction Error and Unresolved Negative Balance Dear CFPB, I am writing to file a complaint regarding Cash Apps mishandling of transactions and the negative balance they have caused on my account. Specifically, this issue involves a purchase I made through XXXX XXXX XXXX XXXX XXXX system. 

On [ insert date ], I made two purchases : 1. {$120.00} Initially recorded as pending 2. {$19.00} Posted and completed The total amount of these purchases was {$140.00}. However, Cash App only posted the {$19.00} charge while the {$120.00} transaction remained pending, leaving my account negative. I contacted Cash App multiple times to request that they correct the pending transaction and provide clarity, but they have refused to do so. Additionally, the {$120.00} transaction was incorrectly labeled as transportation, when in fact, it was a hotel-related charge. 

Despite providing proof that the correct balance for these transactions is now {$0.00} ( as Cash App requested ), they are refusing to void or clear the pending charge. I have made multiple attempts to resolve this issue through Cash Apps support, but their responses have been inadequate, and they continue to ignore my request for detailed information about the transactions. 

This error has caused unnecessary financial hardship by placing my Cash App account in a negative balance. I am requesting your assistance to compel Cash App to : 1. Void or clear the {$120.00} pending transaction 2. Correct the transaction labeling to accurately reflect a hotel-related charge XXXX. Provide a detailed and accurate breakdown of the issue Thank you for your attention to this matter. I look forward to your assistance in resolving this dispute. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

I filed a complaint with the CFPB against Bank of America ( complaint id : XXXX ) regarding an unpaid account opening promotion. The resolution to that complaint stated " ... in the absence of any proof that these were the recurring direct deposits of a paycheck, we respectfully declined to provide reimbursement of any amount. He said that he understood this, and wanted to submit proof that XXXX was his employer at the time ; he was provided with the fax number XXXX for this purpose, and was informed that no further dispute could be made until the documents were received. He was satisfied with this outcome and had no further questions or concerns. '' I want to clarify that I was satisfied that I finally received an answer as to why I did not receive the bonus, and finally had something that was actionable. In retrospect, I am surprised that Bank of America believed that the resolution to the complaint was to give me the information, but did not seemed interested in receiving the proof that I did in fact meet the requirement. The Bank of America employee that spoke to me on the phone provided me a fax number that said went directly to him, and that if I sent him proof of employment at XXXX, he would respond within 1-2 days. I  submitted paystubs for the relevant time period on XX/XX/2019, which was the same day I spoke with the Bank of America employee. I have attached the fax that I sent to the Bank of America Employee ( " Bank of America Complaint '' ). Page six is the " transmission verification report, '' which is the confirmation that the fax was sent. I was told by an XXXX employee that the " OK '' next to the " Result '' indicated a successful send. 

I am submitting a second complaint because I did as the employee instructed, and I have been ignored a 3rd time. Bank of America has only seriously responded to me when I submit a complaint via the CFPB. Bank of America 's complaint response system has failed me. In my case, I believe the promotion has been a deceptive practice under UDAAP. They hooked me with a promotion, and had no infrastructure to follow through with their promise to me. I have been persistent with them, and I wouldn't be surprised if there are other, less persistent consumers that have given up on getting their bonus due to Bank of America 's failure to quickly and effectively resolve their concerns and complaints. 

I have also attached the original complaint " Complaint Detail '', the original promotional offer " XXXX - An exclusive {$300.00} bonus offer ... '', the statement demonstrating the direct-deposit requirement met " XXXX statement ''.
Consumer complaint received 2020-01-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX I received a debt collection notice from XXXX XXXX XXXX Reference # XXXX Balance of {$1000.00}. According to the letter the creditor is Citibank NA and is regarding an XXXX XXXX account Account # XXXX. I did not apply for credit account with XXXX XXXX Citibank N A. I do not owe this debt, never applied for any type credit card or credit with XXXX XXXX and this debt does not belong to me. To this day this is the first time Ive received any notice of this debt from XXXX XXXX or Citibank NA. I did not apply for this credit and this is not my debt.
Consumer complaint received 2024-10-23
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: STATE EMPLOYEES CREDIT UNION (NC)

VALIDATION AND CEASE AND DESIST Collection agency name : State Employees Cred Un Address : XXXX XXXX XXXX XXXX, NC XXXX Account number : XXXX Your NAME : XXXX XXXX XXXX Your address : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, NC XXXX Dear State Employees Cred XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. XXXX of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other XXXX I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (CA)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collection/Charge Off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal Information : Also Known As : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Employers : XXXX XXXX XXXX Employers : XXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-07
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. (TX)

Please see the attached FTC report and remove the following unauthorized inquiries and account. I have tried many times sending letters directly to the credit reporting agencies and it fell on deaf ears. This is my last attempt before I take legal action due to many FCRA violations. 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 2023-03-07
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I received a phone call by someone claiming to be a civil court clerk. She gave me a reference number and a phone number about a civil matter filed against me. The call came from a private number. I then call the number and the lady claims I owe a debt from 23 years ago from Bank of America for overdraft fees. I state I know nothing about it and its past the statue of limitations. She then threatens me with liens, judgments, Harassment, all that stuff and hung up The number is XXXX Oh and she kept repeating my social security number, and was one number off, and like an XXXX corrected her
Consumer complaint received 2024-10-23
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Slovin & Associates Co., LPA (KY)

I received a civil summons, to my home, from Slovin & Associates on behalf of XXXX XXXX XXXX XXXX which was bought from XXXX. Besides the fact that its a super aggressive, unnecessary action, XXXX  is an extremely predatory company. Im not even certain it is my debt, I believe its fraud from my past, but I can not afford an attorney and have no way to prove it so I know Im going to be forced to pay the debt. I also found online in regards to XXXX  : XXXX  personal loans may have a low barrier to entry as well as a simple application process and fast funding, but the risks involved are high. The triple-digit interest rates are borderline predatory and can create a serious financial drain. This debt started at {$2500.00} back in XXXX, they are claiming I owe {$2200.00} ignoring the fraudulent and predatory interest rate. Although, {$1400.00} was paid from XX/XX/year> to XX/XX/year> with only {$220.00} going to the principalthere is documented proof as part of the civil summons. That means only {$1000.00} is actually left to be paid. I will not allow myself to be doubly prayed on, and Im only willing to pay the {$1000.00} as is my right in the state of Kentucky. I know each state has its own consumer rules and protections. I also know their astronomical interest rate is illegal in my state of Kentucky. I will only pay {$1000.00}, or I will be forced to get an attorney and sue both XXXX XXXX and XXXX for fraudulent, predatory practices. There have also been multiple complaints online about XXXX, and how predatory the company is. 
Now Slovin & Associates are trying to ignore the previous payments, that there is documented proof of, they are trying to demand I pay more than what is actually due. They are also threatening to put a lien on my property, which is not even in my name. Ignoring the fact that the loan was not even legal and proper in my state of Kentucky and the interest rates were not legal. 
I will be verifying my rights in my state of Kentucky as they are in Ohio and seeking an attorney to sue if needed/advised. 
There are also a lot of online complaints on Slovin & associates and they are known to be shady.
Consumer complaint received 2023-03-07
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: EQUIFAX, INC. (TX)

On XX/XX/2023, XXXX made a hard inquiry on my credit report by obtaining a copy of my credit report from Equifax. I did not authorize or request XXXX to obtain a copy of my credit report, nor applied for credit with either agency. Upon calling XXXX the very next day, the bank confirmed that the request was fraudulent and verbally promised to submit a request to Equifax to have the inquiry removed. 

Equifax did not remove the inquiry. 

On XX/XX/2023, I submitted a dispute to Equifax, informing the credit reporting agency that the inquiry was fraudulent. Equifax conducted an investigation and refused to remove the inquiry, stating " INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY, '' as their reason for refusal. 

I called Equifax on two separate occasions after receiving a response to my dispute. Both agents of Equifax advised that the only way Equifax will consider my dispute is if I provide a police report showing the fraudulent credit inquiry. 

The Fair Credit Reporting Act ( FCRA ), in part, requires credit reporting agencies, such as Equifax, and furnishers of credit information to only report accurate information on a consumer report and requires removing information that is not factual upon a good faith dispute made by a consumer. There is no requirement under the FCRA to establish a fraudulent inquiry by submitting a police report, or a report of any kind, for that matter. Instead, the FCRA requires CRAs such as Equifax to obtain verification of whether the inquiry was made in accordance with FCRA and remove information that can not be verified. In their response, Equifax does not claim to have verified the inquiry with XXXX XXXX but only makes a conclusory claim that the inquiry is " factual information. '' Accordingly, Equifax violated the FCRA by denying my dispute request without confirming that the inquiry was made in accordance with the FCRA.
Consumer complaint received 2023-03-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (IL)

Firstmark Services manages the servicing of one of my student loans. I have monthly automatic payments set up which covers the standard monthly principal, interest, and any fees. Over the last several years I have been making extra payments over time in order to pay down the loan faster. Upon discovering that these extra payments have been applied as a " regular payment '' instead of extra payments towards the principal balance, I called the customer service department and requested that they make a correction and apply the extra payments as payments towards the principal. I was told that I can not do that and that all the extra payments have been appropriately applied ... as a " regular payment ''. 

Prior complaint 's response from the company failed to include a proper attachment. Please respond directly.