davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Adler Wallach & Associates, Inc. (IL)

I am federally protected consumer. AWA COLLECTIONS has violated my right to privacy, damaged my reputation and caused financial injury. AWA COLLECTIONS has received my affidavit of truth, my evidence, and my invoice for 15 USC 1692 violations. AWA COLLECTIONS has not responded with an affidavit to rebut therefore and unrebutted affidavit becomes truth. According to the remedy I stated as part of my affidavit, they were not only remove this alleged debt from my consumer report but also pay the invoice for the violations. I have submitted my notice of default and an opportunity to cure to AWA COLLECTIONS for the outstanding invoice because they have not responded properly to my affidavit. 

I am seeking payment by check for the invoice and an apology fro AWA COLLECTIONS. This is owed to me by 15 USC 1692, a code that all debt collectors are to follow.
Consumer complaint received 2020-08-24
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: BARCLAYS BANK DELAWARE (TX)

I saw a credit card with XXXX balance on my credit report and I didnt apply for a card with this bank and I called and told them about it and the card and statements were send to a vacant adddress and I told them about it and they told me in order for them remove the charge then I have to send in my bank statements but I dont have a bank accounts in my name and I live with my parents and my mom takes care of me ... and I didnt apply for this credit card and Im keep getting calls from debts collectors and I explain this is not my account
Consumer complaint received 2020-08-24
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. (OH)

I had a issue with someone using my personal information I have several inquires that I never made from the following companies please delete the following INQUIRES : 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. I do not have any loans or services with any of them. Errors please delete
Consumer complaint received 2020-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (IL)

I entered a financial relief program ( with American Express to help pay off my {$30000.00} American Express Gold Card, program started XX/XX/2020 ) I was told by American Express that my interest rate ( exuberant ) was going to decrease, with two months of grace period without reporting unpaid bills. I RECEIVED CONFIRMATION VERBALLY AND IN WRITING THAT MY CREDIT LINE WAS NOT GOING TO DECREASE. This is significant for me because I am in a financial strain. 
I made the first payment according to the plan, but the second payment was returned by my bank due to insufficient funds. I rectified the situation, then the second payment was processed three days after the first one was returned. THE AMOUNT OF {$730.00} WAS ALL THE MONEY I HAD. I PAID AMERICAN EXPRESS BILL AND WAS WAITING ON MY AVAILABLE CREDIT TO REFLECT THE PAYMENT SO I CAN PAY FEES FOR MY XXXX XXXX EXAM, RENEW MY CAR REGISTRATION, AND PAY MY FOR MY PRESCRIPTION MEDICATION. I CALLED AMERICAN EXPRESS ON FRIDAY XX/XX/XXXX, and was told by AMEX representative XXXX ID XXXX that Amex decided to decrease my credit line the night before. I explained to XXXX the situation, and he transferred me to XXXX ID XXXX  XXXX. I verbalized my frustration to XXXX because Amex decided to modify their agreement WITH COMPLETE DISREGARD TO MY FINANCIAL NEEDs. I ASKED FOR THE PAYMENT TO BE REVERED SO I CAN AT LEAST PAY VERY NECESSARY BILLS IF AMERICAN EXPRESS REFUSES TO ALLOW ME TO USE THEIR CARD. AN HOUR CONVERSATION ENDED NO WHERE AND XXXX DECIDED THAT I ONLY HAD {$30.00} credit to spend. HE THEN ASKED TO GET AN OPPORTUNITY TO REVIEW WHAT THE AGREEMENT WAS AND TO GIVE AMERICAN EXPRESS FEW DAYS TO DO THEIR OWN INVESTIGATION.
Consumer complaint received 2020-08-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (MN)

My ex husband and I got a loan in XXXX for a vehicle, I was the co signer. The loan was almost all paid off but before it was we divorced. In the divorce settlement it is written that my ex husband take all the marital debt and it be removed by the creditors and bureaus. I have been fighting this company since XXXX of XXXX. I have written letters to them, sent the court order that is signed and filed. Sent the same to all three credit bureaus. 
Just talked with XXXX from Credit acceptance, she stated in a recorded call that this company doesn't accept or honor divorce decrees. 
I don't even know what the balance was for. I am trying to get a home loan and keep being denied because of this BS. 
How can any company not HONOR A COURT ORDER????? Isn't that what we have courts for order? So in order to free myself of their racketeering scam I was forced to pay it off, so in due time ( on their schedule of course ) they will say its been satisfied, that is not good enough, this is not my responsibility to pay for it. I went through the right channels to get it removed from my responsibility when the divorce happened.
Consumer complaint received 2020-08-24
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP (MN)

I have been receiving child support payments since XXXX of XXXX. ReliaCard from US bank has been refusing to assist me. I called several times over the year of XXXX trying to figure out where the child support payments have been going with no help from customer service reliacard. Every time they said I didnt have an account but I do, I just found out today that I do have another account and the rep told me that I had a balance but then put me on hold and cane back saying her supervisor said she can not help me any further. After giving me the wrong number, I feel there may be inequities with the ReliaCard system because Ive been on hold now for nearly 2 hours and money held for going on a year. That is highly highly unacceptable.
Consumer complaint received 2020-08-24
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: Comerica (AZ)

Comerica Bank inaccurately reported information to a Consumer Financial Protection Bureau called Early Warning ( Address : XXXX XXXX XXXX XXXX, XXXX, AZ XXXXPhone : ( XXXX ) XXXX ). Comerica Bank wrongfully reported that I committed banking fraud when I have never written a bad check, nor have I ever conducted any unlawful or illegal activity with any bank. I reached out to Comerica Bank 's quality assurance department on XX/XX/20 by calling XXXX. I spoke to XXXX who aggressively attacked me. She made a very XXXX joke about the political organization, XXXXXXXX Lives Matter. She  stated " well all bank accounts matter '' when I asked for a supervisor. Comerica Bank has a long history of racism and hostility toward their clients and hit is very well documented online. I will list a few links in this complaint : ( XXXX XXXX XXXXXXXX 
XXXX & XXXX & XXXX ) ( XXXX XXXX XXXXXXXXXXXX ) (   XXXX XXXX XXXXXXXXXXXX )
Consumer complaint received 2022-07-22
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. (TX)

In previous months, I requested correction of inaccurate information which another credit reporting agency found to be inaccurate and had updated. Due to Bureaus lack of response which I classify as frivolous, XXXX, XXXX, and TransUnion have dishonored FCRA regulations and my request for verification. If they wish to correct this dishonor, I will give them one more chance to correct their errors and update my records. Please update the following accounts, which CREDIT BUREAUS have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to FIX the accounts listed below : XXXX XXXX XXXXO XXXX XXXX Balance {$7700.00} ; XXXXXXXX XXXX XXXX Balance {$8200.00}
Consumer complaint received 2023-04-07
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. (CA)

The agency reports inaccurate or incomplete information to credit reporting agencies, which can negatively impact my credit score. I do not always have access to all of the information that is being reported on my credit report so I feel like I am being take advantaged of.
Consumer complaint received 2024-10-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (NC)

Two days ago ( XXXX-2024 ), I created a Square account to use for my cleaning business. I sent an invoice to a client through Square, which the client paid yesterday ( XXXX-2024 ). Immediately after my client made the payment, Square deactivated my account and is now holding my funds for 90 days. I received an email from Square, which they claimed would explain the reason for the deactivation. However, the email did not provide any specific reason for their decision. 

I have since called Square multiple times to request clarification. Each time, Ive been informed that the decision is final and am repeatedly told to refer to the terms of service. Upon reviewing Squares terms, I noted that while it states Square can terminate accounts for any reason, it also implies that an underlying reason exists for termination decisions. I asked Square representatives to either provide me with the specific reason for this deactivation or to release my funds, but I am consistently told they do not need to provide any reason and am repeatedly disconnected from support calls. 

I feel Square is withholding my money unfairly and without explanation. I need either a clear reason for the deactivation or immediate access to the funds paid by my client.
Consumer complaint received 2020-08-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (MI)

On XX/XX/XXXX, a Default Judgement was entered against me for a credit card debt. After further research into the credit card debt, I noticed that I was being charged interest on the debt before a judgment was even recorded. The amount of XXXX was written off XXXX of XXXX an affidavit was filed with the court sating there was accrued interest on a charge off account.I have a document from the original creditor stating the last payment on the account was made on XX/XX/XXXX on XX/XX/XXXX I received correspondence from the attorney stating that the amount owed was XXXX with interest and on XX/XX/XXXX, a default judgment was entered for XXXX with additional interest now the total amount that the attorney is seeking is XXXX which a garnishment was sent to my place of employment for that amount. I believe that the collection company and the bank has violated the Fair Debt Protection Act through its practice of retroactively imposing post charge interest on consumers debt I seek to be made whole I tried to go to court and explain this to the judge but because I did not show up to the court within 14 days of the complaint the judge said he couldn't listen to my side of the story I just don't understand how collection companies can get away with adding interest to an account that was charged off the bill of sale from XXXX XXXX XXXX does not have an account number or an amount owed on it. I am asking to be made whole this account has stopped me from purchasing a home it was an embarrassment for a garnishment to be received by my employer the default judgment expired on XXXX XX/XX/XXXX but the attorney never sent over an ex parte order I was never even notified that the judgment was extended for another 10 years never received any documentation on that except for a letter from the attorney to me and my place of employment stating that the judgment is valid with no court papers along with the letter. Please help stop deceptive debt collection inflating charged off debt. Consumers in distress.
Consumer complaint received 2020-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8300.00}, {$14000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8300.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account.
Consumer complaint received 2021-06-16
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. (LA)

XXXX is Reporting, XXXX XXXX has a Balance my Balance is XXXX. 
XXXX was also Reporting. 
XXXX XXXX XXXX With a Balance This information is Also inaccurate My Balance is Also XXXX with XXXX XXXX XXXX. 
I DISPUTED the Balance with XXXX, Experian. And XXXX, My Request was, for Each Bureau, UPDATE, and DELETE, this inaccurate information from my File. 
My Balance From XXXX XXXX, and XXXX XXXX XXXX, is XXXX, and has been XXXX, since XX/XX/2021. 
XXXX, EXPERIAN, OR XXXX, Has not done as I Requested, and is Still Reporting inaccurate information. 
Please help me.
Consumer complaint received 2020-08-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

COMPLAINT ID XXXX Follow-up from the above complaint. Unfortunately had to reopen with the complaint since the previous complaint was closed. 
I ended up Pain patient Bank of America XX/XX/2020 {$490.00} to close out my HELOC and issue a release of Lein. 
I have not heard back from them and it takes close to 2 hours to get through to a customer service representative who does not help anyway. I do not know what else to do.
Consumer complaint received 2022-09-26
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. (CA)

I suffered an Equifax data breach and my information has been used fraudulently. I have recently reviewed my consumer report and have noticed various accounts opened using my private information. All allege contracts are completely fraudulent and an attempt to enforce a fraudulent contract is unlawful due to the contract being created through illegal activity and power of attorney fraud. Please expedite the securing of the allege information listed on my consumer report to avoid me being a victim of identity theft. The FDCPA is intended to secure my right to privacy and my privacy has been breached. Please block and remove all information resulting from identity theft pursuant to FCRA 605B and Title 15 USC 1681 C-2 which states that these accounts must be removed within 4 business days. Title 15 USC 1681 604 ( a ) ( 2 ) also states a consumer reporting agency can not furnish an account without my written consent. Title 15 USC 1681 602 ( a ) states I have a right to privacy. 

accounts for a XXXX XXXX with account # XXXX with a balance of {$8900.00} accounts for a XXXX XXXX XXXX with a account # XXXX Inquiries with XXXX XXXXXXXX inquired on XX/XX/2020 inquiries for XXXX inquired on XX/XX/2020 All these above items are fraudulent!
Consumer complaint received 2023-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Franklin Collection Service, Inc. (GA)

The validity of this account is in dispute and this is not an acceptance or ratification of the claimed debt. I have received no verification of this debt. The federal debt collection practices act gives me the right to demand full verification of this debt. If I do not receive verification of this debt within XXXX  days I ask that this inaccurate debt be removed from all my credit bureaus immediately. To my knowledge there is no outstanding balance at all with the alleged parties and XXXX and if there is I am requesting proof from the original credit with my signature of this debt in the original amount of {$290.00} in the aforementioned date of XX/XX/2022 and if any of this information is proven to be inaccurate I am requesting immediate removal of the inaccurate data from my credit reports. Lastly, if this is valid debt I would like the original contract of the debt, the creditors contact info, and proof that this agency now owns the alleged debt.
Consumer complaint received 2023-05-01
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. (FL)

Dear Sir or Madam : I AM A VICTIM OF ID THEFT, THOSE LISTED ACCOUNTS AREN'T MINE. Please block those information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. Enclosed are the following : * A copy of my Identity Theft Report and proof of my identity. * A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter and await your reply. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

In XX/XX/2020 I canceled my XXXX XXXX Citibank card as I never use it. I canceled the card when it was due for the annual renewal fee of {$95.00}. When I entered the account online it states that the card was canceled and the account closed. Confirmation letter is attached. 

Citibank at the same time was changing out the card for a new card number system with a new account number. The Citibank Associate I was working with reassured me that when I canceled the new  replacement card it would cancel the old card as both cards are associated and he was canceling both card numbers. Notwithstanding they have different account numbers. A copy of the account cancelation confirmation notice is attached, Ever since I canceled this card I have received harassing phone calls from Citibank demanding that I pay the Annual fee for the account that is closed.. 

CUSTOMER SERVICE REPRESENTATIVES I have waited on the phone line for 30 minutes - 1 hour to speak with a Customer Service representative to address the above mentioned issue. Each time I speak with someone they will state that the two cards are associated and one is the older card and the other is the new replacement card and the fee  is not payable. They always forward my call to another Customer Service representative until the third or fourth Customer Service representative when they drop the call. 

AUTOMATED HARASSMENT CALLS Almost daily I receive an automatic robot call from Citibank advising me that I must contact Citibank urgently to resolve the matter. The calls arrive always around XXXX SEVEN days per week. If I accept the offer to speak immediately to a Citibank Representative they request specific information from me. After providing the information I am informed that Citibank offices are closed and to call back at another time. 

EMAIL MESSAGES I receive emails monthly stating that my account is past due. I also receive emails every two weeks stating that my account payment is overdue. The account is closed. 

I AM A SENIOR. I AM AN ESSENTIAL WORKER I have tried in good faith to resolve this issue with Citibank with no success. I will not pay a renewal fee that is not due. 

I am concerned that many others who dont understand Annual membership fees are making the payment for accounts which are no longer active to this corrupt bank.
Consumer complaint received 2020-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: 21ST MORTGAGE CORP. (FL)

21st Mortgage was my mortgage holder on my mobile home loan. The mobile home was a voluntary repossession as of XX/XX/XXXX. 21st Mortgage sold the unit in XX/XX/XXXX with no deficiency attributable to me. 21st Mortgage had spent money to rehabilitate the mobile home prior to sale and therefore those amounts are not my responsibility. The mobile home was sold for more then the amount owed to 21st Mortgage at the time of repossession. Any deficiency should be a charge off or loss to 21st Mortgage who had the option to sell the unit as is and then would have been entitled to any deficiency after sale. 
21st Mortgage is still reporting this as closed, but it is still sending in monthly payment information prolonging the time this will remain on my credit as a negative trade line. I filed a dispute via XXXX to have this trade line monthly reporting be corrected and it appears 21st Mortgage simply just amended the outstanding balance due and did not stop its reporting of monthly payment or lack thereof.