davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (SC)

I am writing in response to the communication I received from Transworld Systems Inc. regarding an alleged debt associated with Account # [ XXXX ]. According to Title 15 USC 1692a Congressional findings or declaration of purpose, you are hereby informed that as a result of your fraudulent practices with the intention to cause harm, I have suffered mentally as well as financially. Your company and its agents are harassing me for an alleged debt that was not properly verified.Your company shared statements as well as a copy of a consumer contract as evidence of the debt but as per the judgment in the case of Pacific Concrete F.C.U V Kaunance a copy of the consumer contract is not sufficient evidence of the debt. 
I received your notice dated XXXX XXXX, which included documents purporting to support the validity of the debt in question. However, I find that the information provided in your communication is insufficient to establish that I owe a debt to Transworld Systems Inc. In fact, your company 's name or any reference to Transworld Systems Inc. is not mentioned anywhere in the documents you provided. 
As per 15 U.S.C. 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
Consumer complaint received 2023-10-09
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Klarna AB (VA)

I have attempted to use Klarna to make several small purchases. Each time despite showing plenty of " purchase power '' in the app, the transactions have been denied with generic errors that are not helpful in understanding the issue. I have followed all of Klarna 's instructions at XXXX : XXXX, but most do not apply ( as I've never been able to make any transaction, including small ones, thus I can not be a customer for longer or show a pattern of successful repayment with them ). I have linked a bank account and XXXX credit card payment methods, the addresses of all institutions match, etc. When I contacted their online customer service on XX/XX/2023 ( the only option available ) they incorrectly stated that I have a bankruptcy on file which is why my transactions are denied, and they referred me to XXXX. Because this is not correct, I asked how to request that they review their records, clarify the information with XXXX, appeal, etc. and each request I was told to contact XXXX. I have since contacted XXXX and reviewed my credit report in detail, and no such bankruptcy exists ( and it never has in the past ). In fact, there is no derogatory information on file at XXXX of any kind. There appears to be no way to inform Klarna that something is wrong with their information or the processes that are reviewing the information they have. The only possible explanations here are that ( XXXX ) the customer service agent was incorrect or telling me the wrong information, which would still leave some other problem, ( XXXX ) Klarna received incorrect information that I am not able to find as it does not appear at XXXX ( perhaps they got my record confused with someone with a similar name? ) or ( XXXX ) that Klarna is misinterpreting some other piece of information or otherwise erroneously coming to this conclusion. I found a mailing address for Klarna but they make it clear it is for " regulators only '' on their website and thus I am unsure of any other way than going to CFPB to resolve this issue, as their customer service agents are unwilling to even ask for further review.
Consumer complaint received 2024-04-05
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Neon Newco Corporation (FL)

I put in a fraudulent dispute with netspend about {$500.00} of my money that was stolen off my card at the atm. I explained that my money was unauthorized and they requested I get a new card as a result of that. I then submit a letter asking for provisional credit. they denied me saying they didn't see anything wrong and they closed my dispute. They provided no proof or explanation. They are shady people and this company didnt do anything but put me on hold for hours on the phone, and I just want a resolution from this. I contacted them and tried in good faith to resolve this issue. This is in fact fraud and the bank won't recognize it. I was supposed to get a provisional credit on XX/XX/year> instead they denied my claim so that they didnt have to give me my money back. This is taking a toll on my mental health and Netspend did nothing with getting my money back.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I hope this letter finds you well. I am writing to address an ongoing and pressing issue concerning my credit report. Despite my numerous attempts to rectify the situation, fraudulent items continue to be erroneously listed on my credit report. I am deeply concerned about the impact this is having on my financial standing and my ability to access credit when needed. 

I first became aware of these fraudulent items and promptly took action to report and dispute them. Since then, I have made multiple attempts to provide evidence of the fraudulent nature of these accounts, including police reports, identity theft affidavits, and correspondence with the relevant creditors confirming the fraudulent activity.

Despite my diligent efforts, these items remain on my credit report, negatively impacting my credit score and financial stability. It is imperative that these fraudulent items be removed promptly to ensure the accuracy of my credit report. 

I am requesting the following actions to rectify this situation : I kindly request that you promptly remove the aforementioned fraudulent items from my credit report. It is crucial that they are deleted as soon as possible to mitigate the harm to my credit score.

I request that a thorough investigation be conducted into the authenticity of the disputed items. I have provided substantial evidence to support my claims of identity theft, and I urge you to take this matter seriously. 

Please liaise with the relevant creditors to ensure that they are made aware of the fraudulent nature of these accounts and update their records accordingly. 

Upon the successful removal of these fraudulent items, please provide written confirmation of their deletion from my credit report. 

I understand that the process of investigating and resolving such matters may take some time, but I request your assurance that it will be handled diligently and efficiently. Failure to address these fraudulent items can have severe consequences on my financial well-being, and I may have no choice but to pursue legal action if this matter is not resolved satisfactorily. I am asking for your assistance to remove the following fraudulent items : 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 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 2023-10-06
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Financial Recoveries, Inc. (WI)

XX/XX/ I received a notice in the mail that I owed a debt from XXXX XXXX XXXX XXXX XXXX  I called XXXX XXXX to get information they said they didnt have any and to call the collection agency. 

XX/XX/ I called the agency and have yet to hear back
Consumer complaint received 2023-10-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (CA)

On XX/XX/2023 I entered my bank branch to find out if there had been any XXXX  in the hold that had been placed on my account, and what if anything I could do to access my account, as it had been placed on an indefinite hold since XX/XX/2023. 

At the teller 's window was a bank employee, XXXX XXXX, who, instead of helping me with my case, refused to do anything to help, berated me in front of other bank employees and customers. I asked to speak to anyone else, and he refused. When I asked to speak to his manager, he threatened to have me removed for trespassing. It was humiliating, and I left the branch feeling helpless and hopeless about how and when I would have access to my own account and money.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I have been trying to get you to accurately report mortgage information for a year. You have continuously ignored my full payment of home insurance for XX/XX/XXXX to XX/XX/XXXX, you ignore my bank statement proving I paid it, you ignore the XXXX co reciept of payment for a year, you ignore the cancelation of escrow letters proving there is no escrow, and you have sided with the company repeatedly and unstoppably for a year. The XXXX loan never had an escrow, it was canceled prior to and after they purchased the debt. XXXX has NEVER provided you with proof of payment to my home insurance XXXX XXXX. But u always side with them. I have filed suit against them in state court and they have been served. I hope you will provide me with the evidence they used to affirm their inaccurate debt reporting. I hope its not just their word for it. You know I have subpoena power but that is costly and burdensome to me the victim of their illegal harmful conduct this last year. So please I beg you to help me find out what they gave you to repeatedly affirm the inaccurate debt. Please please please provide the evidence here. 

My complaint explains the inaccurate credit reporting for the last year. Cause XXXX
Consumer complaint received 2023-10-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Office of Linda Strumpf (FL)

XX/XX/XXXX is a debt collection attorney who has tried more than once to collect on a credit card that I have never used. I am on social security and each time I sent the exemption form toXX/XX/XXXXand the bank after my savings account was frozen. 
Previously the funds were released. This time after sending the form twice, there was a levy check issued against my account. I am XXXX, alone and have no other source of income. I need this money returned to me.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Synovus Bank (WA)

There was an unknown hard inquiry that showed up on my credit report from SynovusXXXX XXXX on XX/XX/23. I have no knowledge nor dealings with this company. I never gave authorization for this company to access my credit reports.
Consumer complaint received 2023-10-09
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: Experian Information Solutions Inc. (MI)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-09
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: EQUIFAX, INC. (MI)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC (NY)

I called XXXX XXXX to understand why I had to pay debt to debt collector. 

I had ended the memebership IN PERSON in XXXX of 2022, and had moved out of state and even changed my card, but the membership kept charging me! 

I had now accrued over XXXX dollars in debt. there is NO place to cancel the membership ONLINE, over the phone with the gym or the billing ( third-party ) system that they use, and no I had received a few emaisl from the law firm Aldous and Associates that they are trying to collect debt with the amount listed and go after my credit. 

I had attempted to cancel nearly XXXX times called and no one could point me in a direction. not to support, not to billing that can cancel memebrship, not online or over the phone, and it was physically impossible to cancel in person. I called the law firm and they couldnt even give me a receipt and now I realize I want all the money back becuase I find that this is a scam! 

It has been nearly impossible to cancel my debt with this stupid gym and do not want it to affect my credit! I want to sue the gym for going after me wrongfully when I had been able to cancel a year ago, and to get all the funds that they had wrongly charged me for, and even gotten a law firm involved. 

XXXX XXXX XXXX Even the employee I had talked to over the phone said " to be honest, this whole place is going down the drain .... ''
Consumer complaint received 2024-04-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc. (TX)

This debt collector has engaged in abusive, deceptive, and unfair practices prohibited by the FDCPA. They have reported this account without our agreement, and I have not signed any agreement regarding it. A legal contract involves mutual consent from both parties, of which I have had no part. Furthermore, they failed to properly document my dispute of the account, directly violating 15 USC 1692e ( 8 ) and constituting unfair practices.

Under the FDCPA, I am entitled to {$1000.00} per violation, and it is evident that they have violated my rights. 

I demand that this company remove this account from all three credit reporting agencies and provide compensation for the violations. Otherwise, I will be left with no choice but to escalate this matter to my litigation attorney. They have informed me that the failure to document my account on my credit report as a " consumer dispute '' is grounds for legal action.
Consumer complaint received 2024-04-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I received a XXXX XXXX prepaid XXXX XXXX  card in the mail. It said it was for {$500.00}. Not believing it but curious that XXXX XXXX would send me {$500.00}, I went to the XXXX XXXX ATM and tried using it. The ATM refused the card. 

I called XXXX XXXX and explained about the card and that when I tried using it the ATM refused it. I was asked if I entered the PIN #. I told them that a PIN # was not included and could they give me one. The answer was no. I asked what should I do and was told, find the correct PIN or I couldn't use it. 

I then asked them to cancel the card. I was told I needed to give them the PIN and name of bank that funded the card. Of course I didn't know either of them. Not knowing what to do, I did nothing. I figured it was a scam and nothing would come of it. 

Then I started getting bills for interest on the card. Each month I received a notice that interest was being deducted from the card. Annual percentage rate of 30.49 P. 

On the latest notice I noticed a " purchase '' charge of {$87.00} and a cash advance of {$570.00}. 

I admit I didn't pay attention to the XXXX XXXX notices because I did not apply for the card and did not use it and when I tried cancelling it they refused. I shredded the card after they refused to cancel it. 

Yesterday, I received a notice XXXX XXXX had sold the account to " Portfolio Recovery Associates , LLC. 

I don't understand what is happening. I confess to being ignorant about financial matters. I only use my XXXX XXXX XXXX and XXXX cards. I don't need any other. I am XXXX years old and too trusting. I should have known XXXX XXXX would never give me {$500.00} free but I see banks offering such often in advertisements. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Hatfield, Inc. (CA)

I wish to express my concern and formally raise a complaint about an inaccurate 30-day late payment report by HATFIELD INC DBA GRID. This incorrect reporting has adversely affected my credit score, and I am reaching out to the CFPB to help address and rectify this issue. 

Sequence of Events : XX/XX/XXXX : I initiated an account with HATFIELD INC DBA GRID, encompassing a XXXX XXXX  monthly subscription and a {$200.00} credit line. I received confirmation that auto-pay would be in effect immediately upon account setup. 

XX/XX/XXXX : To ensure clarity, I engaged with GRID 's support, who validated the activation of the auto-pay mechanism on my account. 

XX/XX/XXXX : Notably, while the auto-pay did cover the monthly subscription in XX/XX/XXXX, it neglected to address the due payment for the credit line. It is essential to note that this was the sole instance of non-payment over a 12-month period. GRID did not notify me or provide reasons for this omission. My bank records affirm the monthly subscription payment and show no debit attempts for the credit line. Despite available funds and GRID 's terms stipulating repeated payment attempts in case of initial failure, no such efforts were made on their part. 

XX/XX/XXXX : A subsequent review of my credit revealed a decline of 28 points, attributable to GRID 's 30-day late payment report a report which conflicts with the auto-pay assurances given by GRID. 

Impact and Expected Resolution : This incorrect report shifted my credit category from " Good '' to " Fair '', compromising my financial credibility and opportunities. Such misinformation is not only concerning but also jeopardizes my long-term financial stability.

In light of the above, I kindly request the CFPB to : Advocate for the removal of the incorrect 30-day late payment report on my credit file.
Encourage HATFIELD INC DBA GRID to assess and refine their auto-pay system, ensuring future reliability. 
Seek a formal written acknowledgment and apology from HATFIELD INC DBA GRID for the oversight and its potential implications.

I have attached pertinent documents, including interactions with GRID and the credit report indicating the error, for your consideration. 

Your efforts in aiding resolution and ensuring consumer rights remain safeguarded are greatly valued. I eagerly await a positive outcome.
Consumer complaint received 2023-10-06
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. (MN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.