davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (VA)

My bank put in a dispute for the wrong charge. My bank closed the dispute. XXXX was taken from the merchants account and never refunded to me. Its been over 90 days and neither the merchant nor myself has the XXXX. Ive contacted my bank several times and emailed cash app several times. Cash app has only sent me generic messages and NO ONE has investigated this or provided any answers. Cash app still has the funds and has yet to release it back to me or the merchant. See dates below Initial dispute placed on the wrong transaction by XXXX  XXXX XXXX XX/XX/2020 Transaction has been disputed with the merchants bank - XX/XX/2020 Claim has been withdrawn by me - XX/XX/2020 Money taken out the merchant account by cash app XX/XX/2020 Contacted XXXX XXXX XXXX who indicated they never received the money and don't have. Emailed Cash App Support XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 My bank has indicated they've sent cash app several communications indicating to release the funds back to the merchant.
Consumer complaint received 2020-10-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Credit Analysts of MN, Inc. (IL)

For over a year now ( XX/XX/XXXX XXXX, I've been requesting, on multiple occasions, via certified letter, USPS, that Professional Credit Analysts of MN send me proof of validation of multiple debts they are reporting on my credit reports. As of today XX/XX/XXXX, they have failed to furnish any signed contracts or any of the other docs requested. 

In addition, the first time I've even heard of this company was when I pulled my credit report last year and saw a number of accounts. I NEVER received any initial communication from Professional Credit Analysts alerting me to any of these alleged debts, and not letting me exercise my right to dispute. 

By refusing and failing to provide me validation for over a year, and not sending an initial communication letter, they have proven they're intent on defaming my character by reporting erroneous items on my credit report. Not only that, but based on what's on my reports, they are reporting wrong information, and on top of that,, reporting a number of different dates across all 3 bureaus, it appears they are attempting to re-age these debts.
Consumer complaint received 2022-12-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (GA)

I requested a refund from AidVantage, per the CARES act on XXXX XX/XX/2022. My balance, originally {$1800.00}, was updated to reflect interest charges that were charged to me during the payment pause when XXXX XXXX interest was supposed to be charged. My new balance is {$2100.00} which is completely negligent of Congressional mandates and abusive. 

Today I received a check from the Treasury for only {$660.00}, which certainly does not cover the original payments made of XXXX. This feels like fraud and abuse.
Consumer complaint received 2020-10-27
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. (OH)

The Status on these account were corrected, but the PAYMENT HISTORY was NOT!!! Please correct this payment history as it's incorrect. Please provide PHYSICAL Proof if you feel these account were late as they were not.

14 Accounts with the same account number : 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 2022-08-15
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)

Back in XXXX, I came to discover that my identity was stole and used to open several accounts under my name and SSN. That is when I checked my credit report and found that a XXXX 's XXXX account was opened using my name/SSN, on XX/XX/XXXX. I have since disputed this account to be take off several times with XXXX, XXXX XXXX Transunion. I even sent a letter ( XXXX ), along with the police report, identity theft report and my driver 's license as proof of my identity. The reponse I received via XXXX was that the account is mine therefore it will not be removed. This reporting is severely messing up my credit. The other accounts that my name/SSN were used to open, those companies responded right away ( XXXX XXXX XXXX XXXX XXXX XXXX and promptly removed those accounts from my report. XXXX 's refuses to take notice of the evidence I provided and remove these fraudulent charges off my report.
Consumer complaint received 2020-09-20
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: Stern Recovery Services, Inc. (OH)

Pulled my credit report and seen an account that does not belong to me. I believe this an act of fraud and will need the fraudulent account removed. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). 
accounts : XXXX XXXX XXXX # XXXX, STERN RECOVERY SERVICES # XXXX, STERN RECOVERY SERVICES # 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 2020-10-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (MA)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2022-12-08
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: Self Financial Inc. (MD)

Dear CFPB : My Self Credit Card ( which is a secured credit card ) was stolen along with several other of my cards and ID 's in, what I remember as being XXXX or XXXX of XXXX. 
Before I could cancel the card there were XXXX charges to my card for a total of {$89.00} to XXXX business, a scooter rental company in XXXX which I can not recall. I never have rented a scooter and there were XXXX charges for almost {$20.00} each. 

I submitted my claim to get a credit for these charges. The Self Credit Card team would not approve or otherwise credit my account back for these charges. 

This caused me to be over-limit and start to miss payments as I could not handle the minimums above my credit line. 

I don't think this is fair or right. I appreciate your looking into this with SELF and hopefully we can come to an equitable resolution.
Consumer complaint received 2022-10-10
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. (CA)

I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$2300.00} XXXX XXXX XXXXXXXX Balance Owed : {$4900.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXXBalance Owed : {$5700.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$9700.00} XXXX XXXX XXXX Balance Owed : {$350.00} XXXX XXXX ( Original XXXX XXXX ) XXXX Balance Owed : {$1600.00} XXXX XXXXXXXX ( Original XXXX XXXX XXXX A XXXX XXXX Balance Owed : {$2200.00} XXXX XXXXXXXX ( Original Creditor:XXXX XXXX XXXX ) XXXX Balance Owed : {$2400.00} XXXX XXXXXXXX ( Original Creditor : 08 XXXX XXXX XXXX ) XXXX Balance Owed : {$1700.00} XXXX XXXXXXXX Balance Owed : {$2400.00} XXXX XXXXXXXX Balance Owed {$1700.00} XXXX XXXX Balance Owed : {$2200.00}
Consumer complaint received 2020-10-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: AC AutoPay LLC, Denver, CO Branch (CO)

I am a former employee of AUTOPAY aka AC AUTOPAY. The company consistently and knowingly engages in fraud at multiple levels of the operation. They knowingly provide false/unverified information to their federally insured credit union partners. They send credit applications without verifying length of employment, length of residence, vehicle trim levels and general vehicle options. The lending partners are not aware of this. It's done internally, again, knowingly, with the goal of increasing the number of approvals and ultimately the amount or revenue. This has gone on for several years. 

Additionally, at one point during the operation they collected sales tax on hundreds if not thousands of transactions, when in fact no sales tax was actually due. This was around XXXX. These were straight refinance transactions and they were collecting sales tax, it was itemized into the loans. 

Autopay willingly and knowingly allows their employees to use illegal sales tactics. These tactics include lying about the cost of ancillary products, not disclosing basic details such as loan term, and insinuating that the lender is requiring you to buy ancillary products. Only if a lending partner catches on to the lies, will they take any corrective action. 

Autopay has consistently engaged in illegal advertising. They quote customers rates that they know they will not be approved for, at times, even quoting rates that dont exist. This is done both on their website and through channel lead partners. 

Finally, Autopay engages in illegal workplace standards, such as, not allowing employees to take full lunches, not paying overtime in any way, and filing false time cards. 

This is a boileroom operation that needs to be investigated in depth.
Consumer complaint received 2022-12-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Continental Services Group, Inc. d/b/a ConServe (MD)

TO : Consumer Financial Protection Bureau. 
I received a collection notice letter dated XXXX XXXX from ConServe Continental Services Group Inc. with their address : XXXX XXXX XXXX XXXX XXXX NY XXXX for the amount of {$590.00}. It claimed that I owed the XXXX XXXX XXXX XXXX for the debt account of XXXX. It stated I should pay the said amount to the XXXX XXXX XXXX XXXX for the XXXX XXXX XXXXXXXX and XXXX XXXX XXXX. No where in the letter are stated the DETAILS or documentation of their claim. It was mailed to my old XXXX XXXX CA family address. I have copied them my complaint to CFPB and attached it to my reply to the ConServe. - XXXX XXXX XXXX now residing in XXXX XXXX XXXX XXXX in XXXX Maryland XXXX
Consumer complaint received 2022-04-19
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. (MS)

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 XXXXXXXX XXXX  XXXX # XXXX ACCOUNT has violated my rights. 
XXXX XXXXY XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
XXXX XXXX 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 I DD NOT GIVE WRITTEN INSTRUCTION 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 2022-12-08
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. (MT)

In XXXX I received a text message from this company stating that their aftermarket GPS tracking device had been " tampered with '' I brought it to their shop of choice and the shop found that there was a blown fuse most likely caused by poor installation on XXXX XXXX XXXX end. They repaired the fuse and noted they would need to remove the device and reinstall it correctly. XXXX XXXX ignored this advice, a couple months later this exact fuse blew again. I was out of town at the time and received a message that if it wasn't at the repair shop of their choosing by end of the next day they would come repossess the vehicle. 2 hours later they were in my driveway taking the vehicle. This was not a legal repossession, the loan was never delinquent. It was a void of contract due to their faulty aftermarket electrical equipment. I would like the repossession remark removed from my account as it is incorrect. I have all text message correspondence with this company as well as security camera footage of them taking the car 2 hours after contact.
Consumer complaint received 2022-04-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Southwest Recovery Services, Inc. (ND)

I talked with a guy from XXXX today stated name was XXXX XXXX owner of company. We came to an agreement on a settlement but first I want a letter stating it was settled in full, and wanted to know how my credit would be updated he got really angry stating it would show settled on credit would not be removed and the I state well can't i just depute once paid and he state no I need to stop deputing and he would not take a settlement unless I stopped or did not depute and the stated I am the owner and since your going to depute I only want a payment in full now and no one in the office is allow to talk to or take payment on account if they don't tranfer him the call they would be fire stating his employees.
Consumer complaint received 2022-10-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (GA)

I have contacted your department about the fraudulent accounts that are being reported on my credit. I believe this started in XXXX XXXX time period. I discovered it around XXXX when I had to dispute items the first time, and now it is happening again on my credit report. I have had identity theft Report filed with a DC # XXXX around XX/XX/XXXX due to a break in of my property. Also, I have not supplied proof under doctrine of estoppel by silence. XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX. I Presume that no proof of the alleged debt, nor therefore exists under my identity
Consumer complaint received 2020-10-16
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: Capio Partners, LLC (FL)

I have 5 debits listed that continue to change listing dates. Two of them in  the amount of {$19000.00} and {$1100.00} where acquired XX/XX/XXXX and are listed on my credit report as opening a second time in XX/XX/XXXX. I have another two for XXXX XXXX that where acquired at the same time in XXXX yet they have been relisted as XXXX and XX/XX/XXXX.The last one that is incorrect is the nationwide recovery for the amount of {$260.00}. It is listed with a date of XXXX. I have not been seen by this hospital since XXXX. So the date should be from XXXX not XXXX. When the debits come close to the 7 year mark they are taken off and then relisted. Just as the one For {$19000.00} it was listed in XXXX and now again in XXXX. The ambulance one from XXXX for the amount of {$1100.00} was listed the same day as the {$19000.00} and its date has not changed.
Consumer complaint received 2020-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (GA)

My mortgage was purchased from XXXX by Shellpoint Mortgage Service. XXXX correctly posted my payments made each month. I contacted Shellpoint and they stated that my credit report would be updated to reflect my payments made which I have made on time since the loan was purchased. I disputed the wrong information and  on XX/XX/2020 Shellpoint admitted the information was incorrect and would be corrected. To date, my credit report reflects that no payment has been made on this loan. Additionally, I have been requesting a payoff quote for months and have never received it. Please help! The company makes promises to do take action but hasn't delivered.
Consumer complaint received 2021-06-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Alum Financial, LLC (CO)

Alum Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Email : XXXX | Phone : ( XXXX ) XXXX Contacted me about loan forgiveness through the XXXX XXXX XXXX loan forgiveness program. They accurately told me my loan information unprompted and represented themselves as a company representing the United states department of education. They told me that after 8-9 months of payments ( {$150.00} ) under their loan forgiveness program in coordination with the department of education that nearly all or all of my federal loans would be forgiven. 

Because they had my information it seemed as though it was legitimate and they said it is first come first serve so it must be done promptly. They rushed me through the sign up process and began a consolidation on my loan ( XX/XX/XXXX ). After I got off the phone, it began to seem it was too good to be true. I looked at the contract and indeed there was no mention of loan forgiveness after 8-9 months. They are a company not affiliated with the Dept. of Education. The information was very deceiving and designed to rush me through the process. I found others online sharing the same story who ended up saddled with fees associated with the company that ended in no loan forgiveness as far back as XXXX. So it was not a time-sensitive matter that needed to be addressed immediately. 

I promptly contacted my loan provider and Dept. of education. It seems it is basically a scam to rope you into services. 

The next day ( XX/XX/XXXX ) I contacted XXXX XXXX XXXX and cancelled the consolidation that Alum Financial had already submitted. I then contacted Alum Financial who tried to convince me that I still should use their services. I declined and said I want to cancel my contract that rushed me through the process. They threatened that I would still be obligated to make the payments I agreed to and if I did not they would send me to collections. No money has been exchanged, no services were provided. Their practices are predatory and not at all clear and apparent.
Consumer complaint received 2020-10-16
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. (CA)

I do have a letter from XXXX as the data furnisher stating they have " REMOVED '' the bankruptcy from my report. also I have a letter from the bankruptcy court stating they do not share or verify information with credit report agencies. So please either provide me with the method of verification you used in your verification process or remove this bankruptcy from my credit file to not being in violation with the FCRA.

Ask the data furnisher XXXX or the bankruptcy court. and provide me with all the verifying process details, such as the person 's name who you have verified with, their address and phone number. 

I am providing you with a copy of the bankruptcy court stating emphatically that they do not share or verify information with any third party such credit report agency. so the response i received from Experian claiming they have verified with XXXX is a big lie, they are violating the FCRA.