davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AFNI INC. (CT)

aqbout two years ago i cancelled XXXX because every time they were in a negotiaition -they would cancel the station until they got there way -when i thouht it was all done it syarted to recieve monthly bill for a service that i had cancelled -i called them and thought i had all straightened out. then about 4 or 5 months later the XXXX of XXXX collection agencies contacted me -the XXXX agencies said ( after i explained that i need an itemized bill, so i can determine that this bill was legitamate ) said that i would nt here from them again -the XXXX collection company called afni reported me to the credit reporting companies and damaged my credit score - if they had sent me an itemized bill and i felt that i owed, it would have been paid imediatly -however no one has done this for me
Consumer complaint received 2020-03-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Block, Inc. (GA)

In XXXX of 2020, I had four discrete Cash App transactions where funds for the transactions were both debited from my Cash App cash balance and also from my linked checking account # XXXX at XXXX XXXX. Transactions as follows : XX/XX/XXXX XXXX XXXX {$7.00} XX/XX/XXXX XXXX XXXX {$100.00} XX/XX/XXXX ATM {$25.00} XX/XX/XXXX XXXX XXXX {$50.00} Total {$180.00} I paid twice ( XXXX +XXXX = XXXX ) the payees received payment once ( XXXX ). leaving Cash App with ( XXXX -XXXX = XXXX ) as surplus  which should be refunded to my Cash App cash balance as I no longer have the linked XXXX XXXX checking.
Consumer complaint received 2023-11-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to dispute and urgently request the removal of unauthorized fraudulent accounts that persist on my credit report. I have no knowledge of, nor have I authorized, the accounts listed below, and I categorically deny any association with these accounts. 
Account Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 

Despite my previous attempts to address this matter, the fraudulent accounts continue to negatively impact my credit report, hindering my financial opportunities and causing significant XXXX 
I want to emphasize that I have not authorized, nor do I have any knowledge of, the transactions or activities associated with the mentioned accounts. I demand a thorough investigation into these fraudulent accounts and request the immediate removal of these items from my credit report. It is imperative that your bureau upholds its responsibilities under the Fair Credit Reporting Act ( FCRA ) and takes swift action to rectify this situation.
Consumer complaint received 2015-04-16
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: RAB PERFORMANCE RECOVERIES, LLC (MI)

XXXX XXXX XXXX , XXXX, who assigned this account to RAB Performance Recoveries, conducted a presentation to my class at XXXX XXXX, in XXXX, MI. I was attending XXXX for their XXXX program and the recruiters for the XXXX XXXX were recruiting students to be in their XXXX program. The recruiters collected our information and stated that we could only enroll once we had graduated the XXXX program and had been licensed by the state. Following that presentation, I had never heard anything from the XXXX XXXX. I never provided any of the required information and NEVER enrolled in their program. Without my knowledge or consent, this program had taken out a private student loan for {$5400.00} on my behalf. I had never signed for nor received any of these funds nor did I ever agree to any terms for student loan, nor have I ever even enrolled with this school. 

I had no knowledge that this account even existed until I received a Writ of Garnishment request by RAB that was issued on XXXX XXXX, 2015. I am in the process of asking the court to vacate the judgment and allow me to proceed with a defense but that appears to be a long shot because RAB was able to get a default judgment without ever even informing that such a lawsuit existed. There was no attempts to collect this falsified debt until this recent garnishment. 

RAB Performance Recovery is apparently insistent that I owe this debt and has provided no proof of the validated of this debt. And I highly doubt any proof was provided to the court either.
Consumer complaint received 2016-07-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: Kimball, Tirey & St. John LLP (CA)

A collection agency is claiming to be a law firm with a unpaid lawsuit for an eviction that never happened. There is no lawsuit either. The property management company that I rented from that originally hired them did n't send the move out statement in the time allowed by law and therefore forfeited any claim against me and refunded my deposit. Kimble Trey al has no legal debt owing by me to be collecting yet they are reporting a XXXX. Debt to the credit agencies.
Consumer complaint received 2020-09-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (TN)

On XX/XX/2020 I placed an order for a XXXX 9.4 cf Freezer on Sears website for a total charge of {$450.00} and the delivery date was shown as XX/XX/2020. I thought that I would be charged for the freezer when it was delivered. After I ordered the freezer I explored the current Sears credit policy and discovered that my charge was charged immediately and I would be charged interest from the order date forward regardless of the delivery date. I called my Sears credit card company Citibank and explained that I thought that it was inappropriate or unfair to charge me, the consumer interest before I received the product. Citibank referred me back to Sears. I called Sears and was told that is their policy. A day or two before the scheduled delivery, having not heard from Sears I checked my account and discovered that Sears had changed the delivery date to XX/XX/2020 ( approximately, I do not remember the exact date, it may have been the XXXX ). A day or two before XX/XX/XXXX ( approx ), I checked my account and Sears had rescheduled again for XX/XX/2020 ( Approx ). This made me angry, because Sears had my money for over 3 months by then, had not notified me as to what was going on and still has not. On XX/XX/2020 I was in Home Depot and walked by a display of freezers and immediately bought 2 and took them home. That same day I called Sears and canceled the order for the XXXX freezer. I asked for an email to confirmation and I was told that the person I was speaking with could not provide me with one but that it would show up in my account. As of today, XX/XX/2020 I have looked on the Sears website in my account and the order still does not show canceled and I have not received any type of notice from Sears on the delivery, cancelation or status of my order. I called Citibank on XX/XX/2020 and told the person that answered that I want to file a dispute because I have not received my money back from Sears. A Sears representative had told me that it would take between 7 and 14 days ( that's the best recollection of the time ) to cancel my order and refund it back to the original form of payment that the order was paid with. I had previously checked Sears website and it showed that it would take 5 to7 business days. I was told by a Sears representative on XXXX XXXX after she challenged me on where I get the information that it would take 15 to 30 days after the order was canceled and that they sic " Sears '' were working real hard on refunding me my money! THEREFORE, THIS COMPLAINT IS AGAINST SEARS FOR DESCEPTIVE BUSINESS AND TRADE PRACTICES AND CITIBANK FOR THEIR PART IN THE WHOLE PROCESS AND I DO WANT RESTITUTION!. I realized someplace along the way that I really did need to file this complaint because if it is being done to me it is being done to untold thousands of other people. Respectfully submitted, XXXX XXXX
Consumer complaint received 2016-04-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc. (OR)

I ordered XXXX XXXX service early XXXX XXXX. A technician came out to connect the service on XXXX/XXXX/XXXX. I was not satisfied with the service, canceled the service and returned the cable box & modem on XXXX/XXXX/XXXX. I was told since I did not have service for more than 30 days, I would not have a bill. XXXX is pursuing me for a debt for unpaid charges and/or failing to return equipment. I have a receipt from XXXX date stamped XXXX/XXXX/XXXX XXXX for equipment returned. I have reached out to XXXX to resolve this issue as soon as I received a collection notice. On XXXX/XXXX/XXXX I was assured this bill was in error and would be taken care of. It is now XXXX/XXXX/XXXX and I am being threatened with negative reporting to my credit report for a debt I do not owe. I have informed XXXX I would be reaching out to you for resolution since they are refusing to honor their end of the deal. Also I have faxed a letter of dispute to the Credit Collection Service explaining the same as above. I have mailed a copy of the equipment returned receipt to the XXXX XXXX XXXX in XXXX, MI. Since I live in Oregon I do not have the pleasure of walking the receipt into a XXXX location.
Consumer complaint received 2016-07-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Trans union broke the law when their computer system had a glitch and all inquiries were deleted as a result of their faulty system. However according to the Fair Credit Reporting Act you can not reinsert something that was deleted due to your faulty equipment or mishandling and that is exactly what trans union did reinserted those inquiries which is illegal. I am asking that those inquiries be removed permanently from from my file
Consumer complaint received 2020-09-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: World Acceptance Corporation (GA)

I noticed today ( XX/XX/2020 ) that WORLD FINANCE CO # XXXX has reported a Charge Off ( Account Number XXXX  XXXX ),  on my credit report with a Date Reported of XX/XX/2020. I have been enrolled in informed delivery with USPS for over a year now and have not tracked any correspondence from world Finance. 

If they claim the sent any correspondence, please PROVE this with a tracking number that I received such. Please note : A letter with a date is not proof as this can be generated at any given time. 

I have NOT received ANY communication from World Finance about this debt. World Finance is in violation of the Fair Credit Reporting Act ( herein described as " FCRA '' ), section 623 7 ( A ) ( i ). 

Furthermore, FCRA Section 7 ( B ) ( i ) states that ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency. 

I demand for this trade-line ( Account Number XXXX  XXXX ) to be remove immediately from any and all credit reporting agencies that they are reporting to, and do NOT reinsert this trade-line. 

I will also be filing a complaint with the FTC and Georgia 's Attorney General office. 

I will not hesitate to bring legal action against WORLD FINANCE for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Yours truly, XXXX XXXX
Consumer complaint received 2015-03-29
Product: Credit card — 
Issue: Other fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

I have an open account with Capital One Bank with a credit limit of {$1000.00}. ( Information : My credit limit was {$10000.00} with Capital One Bank, but after getting a cash advance for {$5000.00}, my credit limit was reduced to {$1000.00} ). During XXXX 2015, I had a balance of {$11.00} on my credit card account. On XXXX XXXX, 2015 my personal banking account was debited {$11.00} by Capital One Bank from a check I wrote to Capital One Bank. After debiting my account, I now have a zero balance with Capital One Bank. I have not used the card since having a zero balance. On XXXX XXXX, 2015, I received a billing statement from Capital One Bank with a " Renewal Notice '' that I would be charge {$59.00} for a " Annual Membership Fee ''. In the statement Capital One Bank " urges '' that I avoid paying the Annual Membership Fee by closing my account. I have basically, XXXX complaints. Number XXXX : Why am I being charged a {$59.00} Annual Fee with a zero balance, when I have a " Excellent '' credit rating, while other card holders are being charged only a {$39.00} Annual Membership Fee. XXXX I do not want to close my account. Closing my account could affect my credit rating. At any rate, I prefer not to close my account.
Consumer complaint received 2016-10-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-03-13
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One credit card is reporting a negative and fraudulent account on my credit files and they have been doing so for years now. I have sent them police reports and dispute letters numerous times and they refuse to resolve this issue. They replied bakc last week after years of no replies and said they verified he account and confirmed my address and the accounts Belongs to me from their records. I disagree. I continually disagree and this is identity theft and fraud and I had mail theft as well and that would account for all of this. I have sent all the info merino to capital one now on multiple occasions and they refuse to assist and handle this matter. They have broken credit card rules and regulations numerous times by disregarding my disputes, not replying wihtinthw allowable time frame, harassing me with phone calls and letters as well as having attorneys and collections call me numerous times. They have not handled his urgent matter and it needs or be properly handled. This account and balance thus are reporting and saying belongs to me does n't. I have done very thing in my power to get assiatnce with this and I 'm beggin. You to please get this removed from my credit file as this does n't belong to me I paid on this account at first thinking it was my debt until researching and understand in fact it is not mine. Capital one has threatened me and lied numerous times and has caused me nothing but upset and hardship for an account that does n't belong to me
Consumer complaint received 2015-08-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have recently checked my transunion credit report and found a collection account listed on my credit report from some company called XXXX XXXX and the supposed creditor is XXXX XXXX. If you google XXXX XXXX this company is a FRAUD. I have had no dealings with such company. I have tried to odispute this with transunion however, they will not allow me to do so online and when I call I first get transferred to some person in XXXX XXXX. When I ask to speak to someone in the US I am left on hold because they claim " they are experiencing higher than normal call volume ''. 

If Transunion is going to allow some company to post a fraudelent account on my credit report they should at least have the decency to give me the opportunity to dispute this incorrect information with someone on the phone or online. They " claim '' that they actually do an investigation but this is a bogus claim. Now I am told by them that I have to file a police report to have this information removed? How about transunion do the right thing and report correct information?
Consumer complaint received 2017-02-24
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Byrider Franchising, LLC (GA)

The current issue just came to my attention when I attempted to get a loan and was asked about a charge-off listed on my account. I should not have had any charge-offs so after requesting my credit report I found that CNAC had reported this to the credit agency. CNAC was the holder of a car loan that was sold to another company who filed a civil suit. This went to mediation and the case was dismissed due to the alleged debt being the direct result of an illegal repossession and illegal communication of this debt according to GA law. The company did not sent proper notification under GA law. The illegal repossession and communications were done by CNAC at the time they first attempted to collect this alleged debt. These actions lead to the dismissal of the debt and was filed with the court. It has now come to my attention that CNAC is reporting this as a charge-off on my account when the debt was dismissed due to it being an illegal repossession and improper communication of debt. CNAC would not accept me telling them via a phone call this case had been settled and refused to acknowledge that this debt had been dismissed. This debt is an invalid debt and was proven as such in the civil case regarding this alleged debt. This is negatively impacting my credit and has contributed to me not being able to obtain credit on several occasions.
Consumer complaint received 2017-01-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I wrote to Transunion to have them remove some addresses and they removed and then re-reported them again on XXXX XXXX, 2017. These addresses are not where I live nor tied to any accounts I have and should not be on my credit report.
Consumer complaint received 2020-09-09
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

I sent a certified letter which was delivered on XX/XX/2020 asking for proof of investigation. To date, I have not received any communication from this credit bureau. I have asked them to investigate this creditor and they verified the information as accurate. Since this is the case, I am puzzled as to why they can not provide proof regarding my inquiry. In the letter, I attached all of my identifying information including a copy of my passport, social security card and a utility bill. This creditor has ignored my letters before, which is why I provided so many forms of identifying information.
Consumer complaint received 2017-03-14
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (UT)

Specialized Loan Servicing has a 3rd Party Vendor who will not answer their phones. The bank has not called me back or answered their phones since the appraiser was at the property. The appraisal was completed on XX/XX/2017, but I have no idea of what the value came back as. I was told to sent a written request for information and was provided a fax #. I have now received written response from SLS stating that I now have to submit it in writing and not by Fax. The miscommunication and lack of communication is unacceptable and the delays should not be tolerated. The appraisal will expire soon and then the bank will need to provide a new one. This is a waste of time and resources and in acceptable
Consumer complaint received 2016-11-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (WA)

PLEASE NOTICE ITEMS # XXXX ON THE UPLOADED CFPB COMPLAINT REVIEW PDF. EXPERIAN DELETED THE NEGATIVE ITEM ... 
I 'm a little confused. Two months ago, I disputed the following previously deleted account as being inaccurate, and Experian deleted it because the furnisher agreed with me. 

But today, I went online and checked my credit and noticed that your company put the previously deleted account that was deleted back onto my credit without notifying me. From my understanding, if you re-insert a previous item, you must notify me at least five days after placing this item back on my credit report. So why was I not notified? Because of your actions, my credit score dropped by XXXX points, causing me to pay a higher interest rate on my loan. In addition, I read an act on the FTC website stating that your action is a violation which carries a fine. 
Please delete this previously deleted account.
Consumer complaint received 2016-07-07
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AL)

I am XXXX and was discriminated against by USAA because of my race/class. On XXXX/XXXX/16 I deposited a money order in my account for {$500.00}. The money order was placed on hold until XXXX/XXXX/16. I called to speak with an agent on XXXX/XXXX/16 to see why the hold had been placed on money order ( same as cash ) that I 'd purchased with cash. The first agent I spoke with ( XXXX ) asked me where did I get the money from to by the money order. Which is discrimination and was not the cause of my money being held. I asked her what did she mean and she said how did you make that money. I told her I was offened by that question. She never apologized. I explained to her that I had checks coming out of the account ( rent, etc. ) that the money would need to cover and if not available my account would be overdrawn. I also explained to her the hardship it would cause my family and the only reason I deposited the money orders is because I thought it was the same as cash. There is no USAA bank in my state so other than direct deposit and depositing money orders through my mibile account I have no way of depositing funds. I asked if the call could be escalated to another department which it was. The second representative I assumed would better trained in costumer service but not so. She too belittled me asking " I do n't understand way you would deposit the money orders with the possibility of them being held. '' This was after I 'd explained to her that I thought the money order was same as cash. She was very rude and told me " I 'm not reversing the hold now what else do you want to talk about. '' As of now {$560.00} ( money orders which I purchased ) is on hold and will not be released until XXXX/XXXX/2016. Please advise me what to do at this point.