davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-17
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MA)

I received notice of a collection account reporting on my credit from XXXX XXXX XXXX XXXX for a debt they have reported twice on my credit report. This error is in violation of the FCRA reporting act and I have disputed the reporting with little to no help from XXXX or the credit bureaus. All validation they have sent me for the account only validates a collection on my report titled XXXX  not XXXX  or XXXX  XXXXXXXX  The account reports 3 separate account numbers for the same debt. The one they have repeatedly validated with no contract bearing my signature is the account beginning in XXXX which reports as XXXX  not as XXXX. The actual account reporting as XXXX  shows a different account number beginning in XXXX which they have not validated once despite numerous attempts. How can I have 2 open accounts with one company for one debt reporting as two accounts with two different account numbers this is in clear violation of the FCRA
Consumer complaint received 2021-08-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. ()

XXXX XXXX via XXXX Mon, XX/XX/XXXX, XXXX XXXX ( 21 hours ago ) to me Hello XXXX XXXX XXXX, Your transfer of XX/XX/2021 in the sum of {$240000.00} to XXXX XXXX XXXX has been held for clearance by US Federal Reserve. Your funds of {$250000.00} requires clearance from US Feds, otherwise we may continue to experience one problem or the other with outgoing transfers out of your Citibank XXXX private online account. 

This US Fed transfer clearance will cost you {$7200.00} and it is imperative that the clearance certificate is urgently obtained in your name which will clear and release the pending transfer of {$240000.00} from your Citibank XXXX private online account to your destination bank account and also enable faster completion of your future transfers to destination bank accounts within and outside XXXX and XXXX XXXX. 

Yours Sincerely, XXXX XXXX XXXX Private Banking Unit, Citibank, NA EMAIL : XXXX at first they told me no more fees to pay {$850.00} that i will recieve the XXXX now they telling me to i have to clearance
Consumer complaint received 2021-07-31
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: Block, Inc. (WI)

I received a debit card from CashApp in the mail, which I never applied for. I did not activate the card as a I was suspicious this was a scam. I looked into it a bit and found reports that it meant someone has opened a cashapp account using my personal information. I attempted to contact cashapp, but have not received any response.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

RE : XXXX Block Request To Whom It XXXX Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/year> - {$4900.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2021-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge 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: SYNCHRONY FINANCIAL (NC)

i purchased a XXXX XXXX ticket on XX/XX/XXXX for my wife using TJmax reward credit card. due to pandemic the flight was canceled more than one time, for that reason XXXX XXXX gave me two option either i can get refund or get Travel Voucher for 2 years of expiration period and additional {$60.00} add up to my ticket value. 
i choose to receive travel voucher up to 2 years expiration period. 
now XX/XX/XXXX, i choose not to travel so, that reason i called the XXXX XXXX about my refund on XX/XX/XXXX they said " you will get refund on your card which you use to buy the ticket, you just have to give us about 14 business days to receive a refund ''. i waited a month but still not receiving the payment.

i decided to call my TJmax credit card customer service, now they are saying that in my statement they did not see any transaction, i told them i still have copy of the ticket it's clearly showing that i made a purchased using the TJmax reward credit card because the last 4 digit of credit card number match and the other thing is i made a payment on my credit card from my checking account twice after i purchased a ticket, how did that happen? if i did not use your card to purchase a ticket? i have all the proof, while i was talking to TJMAX customer representative middle of the call she said i'm sorry we are having technical issue and then she hang up on me. after the call i talked to XXXX Airway customer representative she said the refund was made already.I NEED A JUCTICE!
Consumer complaint received 2021-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Equifax has continuously violated my rights as a consumer by reporting information that I never gave my permission to report ( violation of 15 usc 1681b Permissible Purposes ), they have also denied my right to privacy ( violation of 15 usc 1681a Accuracy and fairness of credit reporting ) by reporting items that should not be included in my consumer report in the 1st place. This is also a violation of of the exclusions section of the Fair Credit Reporting Act ) This is the 2nd time I've had to bring this to their attention. The 1st time they did nothing but I will continue to report these violations and pursue the damages owed to me until they've remedied the situation by deleting the requested information off of my consumer report.
Consumer complaint received 2021-08-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Dynamic Recovery Solutions, LLC (GA)

I got a letter from Dynamic Recovery Solution LLC, the same collection agency that been harassing me for the last 9 years about a debt I do not owe. They have tried to put this on my credit report and I had it removed because of identity theft report I report my wallet stolen twice in Texas with other credit cards in them at the time. I started getting calls from this collection agency with threats in the morning at XXXX throughout the entire week and a significant amount of mail without my permission for last four years. I ask to be put on the do not contact list from this agency but they keep up persistently with the same attempts to collect a debt not owed. My account was closed by myself with XXXX XXXX XXXX 8 years ago and everything was paid off according to the account clerk in the bank but they some how keep selling my information which I did not authorized. I do not have a contract with the credit agency, XXXX XXXX XXXX, or the Dynamic Recovery Solution which has my social security number I gave them over the phone to find out if I owed the debt. They have been using my social illegally and I want this company to stop sending me mail and any further contact. Dynamic Solution does not have a contract with nor does the XXXX XXXX XXXX XXXX because the account was closed by myself not the creditor because of fraud and identity theft.
Consumer complaint received 2021-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Convergent Resources, Inc. (LA)

A collection account was reported from Convergent Outsourcing on XX/XX/2021 for {$1300.00}. I spoke with Convergent Outsourcing and was told that if I paid the account even if it was paid in settlement that once there was a XXXX  balance, the collection would be deleted. I agreed to a settlement amount of {$1000.00} and paid off the account on XX/XX/2021. I have tried contacting them numerous times to have the collection deleted from my credit and they have not removed it. I went through XXXX  to dispute the account and request it to be removed as agreed to no avail on XX/XX/2021.
Consumer complaint received 2021-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (IL)

This late payment was of no fault of my own. This was due to the change in agreement that Comenity Bank and Wayfair had. The online payment system was removed from the Wayfair shopping platform as they have a new credit card program and there wasnt any way of paying without access to the platform. 

Additionally, I had made a call Sun, XX/XX/2020 to the Wayfair Credit Card Customer Care Center when I realize that they payment I have submitted haven been withdrawn from my Checking account. I was informed that my account was up-to-date and that the payment will be process soon ( Please see attachment of email from the Wayfair Credit Card Customer Service Department asking me to do a survey after I had called that day ).
Consumer complaint received 2021-08-18
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: AFNI INC. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2021-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (OH)

I have filed numerous complaints and until this is resolved I am going to continue before I engage an attorney. I need Wells Fargo and an outside party to go over the conversations starting in XX/XX/ when I first asked them about doing a home assistance program. I need them to LISTEN to the conversation that stated that my options at the end of the Assistance program is 1. pay the shortages at the end of the loan, 2. with a surcharge with the normal mortgage payment, 3. or in a lump sum. At the end of the assistance program, they advised me that I didn't qualify for this and my only option was 40 years. I kept asking why and they told me that isn't what I qualified for. I would have never done the program if the options were changed. I then am told that my hours being cut from XXXX to XXXX a week wasn't covid related, which I wasn't asked and it was. I then was told after my 1st complaint that they put me on 2 different programs that I was never aware of nor consented to then sold my mortgage to another company and continued to mark me late via the credit report. The calls need to be listened to entirely and I will not talk to a XXXX XXXX in their executive office who wouldn't let me speak and cut me off and raised her voice advising me that I don't need to be calling since I know I was wrong. She doesn't need to be in that office and I need a complete investigation done correctly
Consumer complaint received 2021-08-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Meridian Financial Services, Inc. (NJ)

MERIDIAN FINANCIAL SERVICES Last reported XX/XX/XXXX {$720.00} Open balance XXXX XXXX was including in my XXXX bankruptcy however they sold account to meridian and now the item is on my XXXX credit file affecting my credit and it is on twice showing twice in debt. XXXX will not remove as the collection agency will not update. Please assist.
Consumer complaint received 2021-08-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (IN)

I am being billed for an ambulance bill from XXXX XXXX XXXX through Wakefield and Associates Collection Agency. I contacted my insurance company, XXXX, before it was even sent to collections and they informed me that it was covered and that it was illegal for them to be billing me. XXXX contacted XXXX and I thought it was all taken care of, but now I am getting calls from Wakefield stating that I have a debt of XXXX dollars or so to pay. I contacted my insurance company again after the debt collection calls and they informed me once again that I do not have to pay it, I met my deductible and out of pocket. I received an eob again and directly sent it over to Wakefield and Associates. I received a call from XXXX again today informing me that I had to pay the bill.
Consumer complaint received 2021-07-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX billed me for unused time and never reported to the credit bureau the amounts paid over the terms of the contract. So, no positive payments are reflected and instead, they posted an amount due that should never have been billed to me in the first place. I disputed this with experion and they continue to have the debt on my report with no valid paperwork or contract showing I owe this amount.
Consumer complaint received 2021-08-18
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Carvana Group, LLC (TN)

YOUR COMPLAINT I received pre-approved letter for auto financing from Carvana. Carvana is advertising down payment which is against the law Pursuant To Title 15 U.S. Code 1662 No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 1 ) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount. ( 2 ) that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount. Also asking for a down payment ( charge ) and. Monthly. Charges is a Violation Pursuant To Title 15 U.S. Code 1605 a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the SUM OF ALL charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. Property damage and liability insurance include Pursuant To Title 15 U.S. Code 1605 ( c ) Property damage and liability insurance premiums included in finance charge Charges or premiums for insurance, written in connection with any consumer credit transaction, against loss of or damage to property or against liability arising out of the ownership or use of property, shall be included in the finance charge unless a clear and specific statement in writing is furnished by the creditor to the person to whom the credit is extended, setting forth the cost of the insurance if obtained from or through the creditor, and stating that the person to whom the credit is extended may choose the person through which the insurance is to be obtained. My income pay stub and XXXX is not a factor is this XXXX XXXX XXXX. I also have my 4th amendment right Which states that I have the right to be secured and my security interests is my right to be secured!
Consumer complaint received 2021-08-18
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Experian Information Solutions Inc. (AZ)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.
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 — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

I have been trying to deal with this bankruptcy on my credit report that has the wrong information on it. I initially contacted the Bankruptcy Court by phone about information on my petition that is not accurate. Here are the errors : 1. My zip code on the bankruptcy says : XXXX and the correct zip code is : XXXX. 

2. The last four of my social security number on the bankruptcy is : XXXX and the correct last four of my social security number is : XXXX. 

I decided to go by the bankruptcy court and the lady there gave me a copy of my petition. I have attached a copy of the petition given to me by the clerk office. I also high lighted the incorrect information for you. The case number is : XXXX.
Consumer complaint received 2021-08-18
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIZENS FINANCIAL GROUP, INC. (MD)

A few months ago, I downloaded some credit monitoring apps on my phone and I saw many things that were alarming. I had to addresses associated with me that were never my addresses in Alabama. Ive only lived in Maryland since entering this country. I also saw that there was a student loan from citizens bank under my profile and I havent gone to school in this country ever. I immediately disputed it and XXXX  returned and said that I co-signed for a student loan for a person by the name of XXXX XXXX. Although the account reported current, it wasnt mine so I disputed it. The did not remove it. Upon my own research, the two addresses in Alabama were associated with this man ( XXXX search ). Now the account has increased and shows out of deferment. Im terrified this account will ruin my report. Its not accurate. The addresses were removed but not the account. I filed a police report for identity theft and the report number is XXXX for XXXX XXXX county Police Dept officer XXXX
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 belongs to someone else
Company: DISCOVER BANK (IL)

There was fraudulent activity on my credit report. A false address through experian ( XXXX XXXX XXXX XXXX XXXX XXXX, Florida ) & hard inquiries on all 3 credit reports from XXXX XXXX & discover financial services. I contacted those banks & let them know that those were fraudulent & to take them off. I also contacted the credit bureaus & froze my credit since the fraud alerts werent working. I was able to dispute on all credit reports besides transunion due to identity problems. Thats why I had to contact the banks to remove the fraudulent credit card activity. Those dates were XX/XX/XXXX & XX/XX/XXXX
Consumer complaint received 2019-11-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc. (LA)

Im writing this complaint because my account was closed because of vague Rules I use Cash app to collect payment from my clients, I run a consulting business. Im not disputing the fact that they have the right to close my account, My issue with them is Lack of communications I try to contact them to let them know I prefer them to mail my check to me but they forwarded my check to a close bank Account, When I contacted the institution that they forwarded the check to they told me no such payment was there it had been returned a generic e maile
Consumer complaint received 2021-08-18
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: SECURITY FINANCE CORP (OK)

I recently reviewed my credit report provided by your organization, and I was shocked to find several inconsistencies that are damaging my good name. I expect this letter to promptly resolve the pointed data which is reported inaccurate. I am aware your job is to maintain accurate records of all my credit accounts. I have submitted letters to XXXX, XXXX, and XXXX on XX/XX/XXXX and XX/XX/XXXX stating the inaccuracies on my credit report. 

Account Name : Security Finance Account Number : XXXX 1. A collection is by default late and past due. Remove above mentioned accounts from my credit report due to reporting past due and for inaccuracy. After you have finished my request, please send me a copy of my credit report reflecting these changes.

2. The date of last activity you are reporting for the below accounts dont match. 


The FCRA and Regulation V generally require a furnisher to conduct a reasonable investigation of a dispute submitted directly to a furnisher by a consumer concerning the accuracy of any information contained in a consumer report. Please see attached proof.