davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-31
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. (MA)

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( 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 did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2021-07-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIT ACCEPTANCE CORPORATION (NY)

XX/XX/2014 CREDIT ACCEPTANCE CORPORATION USED ABUSIVE ACTS AND MISLEADING ACTS TO COLLECT A PAID DEBT THE DEBT WAS PAID IN FULL AT THE TIME OF THE CONSUMER TRANSACTION USING MY SOICAL SERCURITY CARD GIVIEN TO ME BY CONGRESS, WHEN A FINANCE CHARGE IS REQUIRED IT IS THE SUM OF ALL PAYMENTS
Consumer complaint received 2021-07-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I have been receiving credit card past due statements from Bank of America every month since XX/XX/2020 regarding three different credit cards I don't own. The statements are under my name and sent to my address. However, to my knowledge, these are not my credit cards, and they are not showing on my credit reports from all three credit bureaus. I tried to call Bank of America customer service every time I receive a statement. Their phone representatives were able to verify these statements were not for me, but they had no idea why I am getting these letters. I even went to their financial center once but I was informed they could not do anything about it because credit card is a different department. I file a complaint and a fraud claim. I received a letter regarding the complaint but no concrete solutions are provided. The fraud claim was declined because they believe the statements were sent to the right person even though the representative told me on the phone they are not for me. I wrote five letters to the address listed on their website but the issue is not resolved. I continue to receive letters from them for the credit cards I don't have.
Consumer complaint received 2021-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I refinanced my auto loan and paid in in full. I have complete records of everything. 

XXXX XXXX first took several months to report my auto loan as paid in full. 

I reported the issue with all 3 credit agencies. 

The account is now reported closed but XXXX is reporting that I have a {$5000.00} balance to TransUnion when I have a paid in full letter from XXXX and they released the title.
Consumer complaint received 2019-09-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Block, Inc. (AZ)

The install plan for Square POS required a credit card on file in which I authorized automatic payments every two weeks for {$140.00}. Instead of using the authorized credit card on file they have illegally obtained my checking account information and are attempting to withdraw {$280.00} every two weeks causing overdraft fees and other problems for me. I never authorized them to withdraw from my checking account, even if I did Ive expressly told them I withdraw authorization and they continue to attempt to withdraw my checking account.
Consumer complaint received 2021-08-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONLINE Information Services, Inc. (TN)

I spoke with a rep by the name of XXXX on XXXX XXXX about service collections that I had with your company. During this call I was advised if the debt was paid in full A correspondence would be sent by the following Monday to all credit bureaus to remove all debt. I was advised that all calls were recorded and monitored so please pull those records to reflect what was stated. I was also told that I would received this information in a letter within a week and to this date I have not received any communication. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX I paid the following debts on XXXX. 

{$340.00}, {$75.00} & {$50.00}. 


However my report has been update and the debt still remains and has just updated to paid instead of the deletion that I was told would happen.
Consumer complaint received 2021-02-03
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: CAINE & WEINER COMPANY, INC. (FL)

XX/XX/2021 I was informed that I received a collection call at my job from MrXXXX  XXXX w/ cane & wiener. They left their phone number XXXX. I have not once been contacted by them before, and my employer doesnt allow for me to have personal calls at my job. 

I could lose my job thanks to this. I tried calling them multiple times to ask for them to cease calling my employer as I know my rights. However they have not answered any of my phone calls. 

I have no prior information as to what this collection call is about, but its imperative for this harassment to stop.
Consumer complaint received 2019-09-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (AZ)

SQ*XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/19 {$20.00} SQ*XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/19 {$40.00} Cash App*XXXX XXXX XXXX XXXX XXXX XX/XX/19 {$40.00} These are latest charges put through my credit union account. 
A group of charges were put through my account last month for twice as much by the same organization. I do not and have never used this company for anything. These are fraudulent charges and you can't reach anyone to talk to my credit union gave me a telephone number of XXXX and there isn't anyway to talk to anyone to find out who's been putting these charges through unless the whole company is just a scam. The telephone number says they are not speaking to people at this time and refers to cash.app/help that is of no help either. I would like to find out name of person who has used card. 
My credit union is not going to give me help on this and instead is punishing me by not giving me a new debit card. Meanwhile whoever did this is free to cause someone else a problem.
Consumer complaint received 2021-07-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

During the year of 2018 late XXXX I was having fraudulent activity on my card. Initially I had lost my bank card and did not notice until my next payday. When I noticed my card was missing I tried to log into my online banking, but it denied my access. I then went right to my nearest banks location and I spoke with a Bank of America banker. We both sat down and looked into my account he told me that he even had this issue with the same name and phone number but there was little he could do. Shortly after my account was closed due to fraud and I needed to contact the fraud team. I did just as that and filled a claim. The bank explained to me that there were three fraudulent transactions so we made a claim fro them all. Months after the bank finally disputed some of my claim but half of it was still present. I then called to complain of the XXXX dollars still remaining, I was appointed to the recovery system and they explained that I needed to pay the balance and my name would be clear, so I did just that. I paid the entire balance but I still can not get any bank account of any name in any part of this world. I would greatly appreciate if I could speak directly with someone who could understand my frustrations. thank you
Consumer complaint received 2021-08-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (MO)

AFNI have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees ( which I determine ) for taking time to address these violation. Afni has violated the Fair Credit Reporting Act ( FCRA ) and its implementing rule, Regulation V, by furnishing false damaging misleading information on my consumer credit report.

I have sent a affidavit of fact regarding the laws under title 15USC 1692 and 18 U.S. Code 1341 Frauds and swindles AFNI has violated for attempting to collect a debt. I also mailed an Enforcement action, cease and desist and exhibits proving the violations.

AFNIs consent order requires Afni to take certain steps to prevent future violations and imposes a civil money penalty.
Consumer complaint received 2021-07-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Social Finance, Inc. (MA)

I opened a cash management account at SoFi called SoFi Money. The deal which is to expire on XX/XX/2021, is that once {$100.00} is deposited, the account will be credited with {$25.00} and then if a direct deposit of {$500.00} or more is made, the account will be credited for an additional {$75.00} bringing the total to {$100.00}. 

On XX/XX/2021, I transferred {$100.00} from my XXXX XXXX XXXX account initiated at the SoFi Money website. During the same time, I received an email stating that if I made a total of {$1000.00} in direct deposits in 10 days, I would receive {$100.00} Confused by the change in the deal I called on Monday, XX/XX/2021, and spoke to XXXX who stated that the deal has changed many times and his understanding was that if a total of {$1000.00} was made thru direct deposit during any 60 day period in the account, that {$100.00} would be credited. 

On the next day, XX/XX/2021, I received an email from SoFi congratulating me on scoring {$25.00} since I opened a SoFi Money account and inviting me to open a SoFi Investment account.

It seemed that this reflected the original deal of getting {$25.00} upon opening a SoFi Money account to which {$75.00} would be added if I made a direct deposit of {$500.00} or more.

I asked for written confirmation and SoFi refused. 

I am tired of talking to people who have no control and are not responsible. I want SoFi to honor the original deal. I want the {$25.00} bonus deposited and I will direct deposit an additional {$500.00} to get an additional {$75.00} bonus for a total of {$100.00} bonus from SoFi for opening a SoFi Money account.
Consumer complaint received 2021-08-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (TN)

I contacted Macys on XX/XX/XXXX, XXXXby phone and via mail about a account that I was not aware of being a authorized user on and asked them to remove this account from my credit profile. I stated to them according to the FCRA section 601 I cant be held liable for a debt as a authorized user the representive stated that I would be removed and would receive this in writing. I have not heard from Macys at all I also sent out a letter asking for this item to be removed.
Consumer complaint received 2021-08-01
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: Capital Accounts, LLC (IL)

MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). Capital Accounts , LLC 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), and 15 usc 1681e ( b ).
Consumer complaint received 2021-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (NC)

Since XX/XX/2021 to current I have tried to have erroneous charges reversed on my account as I informed the bank immediately of my data breech situation in which all my passwords on the World Wide Web and deep web were exposed and i further more that I was targeted as XXXX, XXXX and other online social media and platforms have informed me personally that someone gained access to my accounts based on location across seas, my XXXX XXXX was also compromised. I forwarded the bank all of my supporting back up making them aware that the police were contacted but to no avail. There is a unauthorized transfer also in made that i was not aware of and they denied the reversal of this along With provisional credits. To date both situations stand unresolved.
Consumer complaint received 2019-09-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

I HAD {$78.00} IN MY CASH APP ACCOUNT AND SOMEONE JUST TOOK ALL THAT MONEY AND TRANSFERRED IT OUT OF MY ACCOUNT THEN THEY HAVE NO PHONE NUMBER TO CALL ONLY TEXT AND THEY ARE NOT RESPONDING TO THIS INCIDENT.
Consumer complaint received 2021-07-31
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: SYNCHRONY FINANCIAL (NJ)

Remove XX/XX/2021 inquiry from credit reporting bureaus. The credit score used to generate a credit denial for XXXX XXXX XXXX line of credit is wrong. The credit score is wrong that caused the denial. I have opened complaints on all credit bureaus to correct the credit scoring.
Consumer complaint received 2021-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (VA)

My XXXX XXXX visa credit card is missing on my credit report. They sent a new card when it was expired but I missed it. Therefore requested a new card almost three months ago and using it since then, but it is still not showing up on my credit report. The card was previously there on my account for three years but suddenly disappeared. I called the XXXX XXXX visa and they said there is no miss on their side. So I created a ticket with the credit bureau a little more than two months ago. I received an email saying the steps they are going to take to resolve the issue but that too of no use. Since then I check for the credit report to be updated but nothing helped. My credit dropped from excellent to fair. All I see are requests to get a new credit card. But the current XXXX XXXX credit card is not even there and unfairly removed. I have always made all my payments before time and never had any issue with my credit
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

I am writing to formally address the reporting of a " charge-off '' related to the account associated with my name and credit history. It has come to my attention that XXXX XXXX XXXX has improperly reported this account as a charge-off and potentially transferred it to a third-party debt collector. 

According to the Internal Revenue Code and applicable legal standards, a " charge-off '' sent to a third-party debt collector is effectively a certificate of indebtedness. Under these regulations, certificates of indebtedness are considered income, and they should be accompanied by IRS Form 1099-C , which reports cancellation of debt to the IRS. 

Since a charge-off is treated as a certificate of indebtedness, it is also considered income under federal tax laws. Therefore, this charge-off entry on my credit report is incorrect and must be removed immediately. By continuing to report this transaction history without properly issuing a 1099-C or acknowledging its income status, XXXX XXXX XXXX XXXX XXXX violating federal tax laws and consumer protection regulations. 

Additionally, it is illegal to report transaction history that misrepresents the nature of the debt, especially after it has been written off or transferred to a third party. This improper reporting can have a damaging effect on my creditworthiness and is a violation of my rights under the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.
Consumer complaint received 2019-09-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (MA)

on XX/XX/XXXX I was trying to get a statement from my cash app account and I could not do it in my own so I went to the web site to get the phone number to contact them for help with getting a statement. the number I called was XXXX XXXX and spoke XXXX from customer service. He told me he could help me get a statement and wal me through the process. He told me that I had to do a demo transaction to create a statement and that it was not a real transaction it was fake and would not be deducted from my account. so I trusted him and sent a {$89.00} to XXXX XXXX then he told me I had to do another one for {$290.00} and then he said one more for {$430.00}. He told me to wait 5 minutes and I shoud get a statement in my email. No statement so I called him back and be blocked my call. I called my bank to tell them what happened ( XXXX XXXX XXXX ) they told me I was just scammed. I did file a claim with XXXX XXXX XXXX but they denied my claim because they said I initiated it and they did what I requested even though I was scammed. Now I want to make a claim with cash app. which is Square cash. I recently received a call on XX/XX/XXXX. from someone posing to help me with my refund regarding my scam. They wanted me to open a secure account where they can send my money back. I asked them was they from cfpb and he said yes. Then he said he was from California and calling for Square cash. I believe it was the same person who scammed me the first time. I felt harrassed by this person. Can you please help me to contact Square cash ( cash app ) to resolve this matter and get my money back. I recently received a letter from XXXX XXXX from Square cash in California saying she was investigating and wanted copies of the transactions and provided her email XXXX no phone number was provided. I am continuously being harrased by these people claiming to want to help me get my money back..
Consumer complaint received 2021-07-30
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. (TX)

XX/XX/XXXX, I applied for a Ch. XXXX bankruptcy in which XXXX XXXX was not involved. I was paying my mortgage payments directly out of pocket to XXXX XXXX. To this date I have never failed in paying a mortgage payment. XXXX - XX/XX/XXXX, the Ch. XXXX was converted to a Ch. XXXX and was discharged. But I still do not have access to my online account, I had to keep paying my account through my bill pay, and my credit report shows that the XXXX XXXX account has little to none payment reports, no balance, and the account is closed. I have tried to talk to the bankruptcy, customer service, and to the heads of different departments to fixed this issue but every time I call customer service they want a letter stating that I may communicate with XXXX XXXX but the bankruptcy is over XXXX XXXX has the a copy of the discharge. XXXX XXXX continues sending me and my previous bankruptcy lawyer monthly statements. The law group has already sent the Ch. XXXX discharge to XXXX XXXX but to no avail.
Consumer complaint received 2021-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In the year XXXX my credit score was a XXXX. I applied for credit in the year XXXX and was rejected with a XXXX credit score. I obtained a rental apartment and have been paying rent for two years. I have not applied for any forms of new credit during my two years renting at my apartment. Today, XX/XX/XXXX, I applied for a XXXX XXXX  XXXX XXXX and was denied with reason my credit score is a XXXX. I am complaining to the credit bureaus that they keep dropping my credit consumer score to very low levels. This is not the first time my credit score dropped very low and each time I work very hard to reestablish my credit image. I work very hard to reestablish my credit image and when I am not paying attention to my credit score, then i find out that my credit score has dropped again. There is no reason why the credit score should drop ; in fact, my score should be increasing with my rental payments. This is psychological abuse of character and defamation of financial image. I realize my credit score can not grow because the bureaus keep dropping my credit score to crippling unreasonable score levels. I am born in America and a citizen of this country but my credit score is that of a foreigner who has just arrived at this country and is a student. I have almost XXXX years of credit history in America. I am shocked to learn that in XXXX  XXXX years as an American citizen my credit score is a XXXX. When will this attack stop!