davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted for erroneous reporting in my file are listed on my credit 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
Consumer complaint received 2018-11-27
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX I purchased concert tickets from a 3rd party re seller with my capital one credit card. I received the tickets a week later and the day that I went to the concert venue I was denied access. The front gate representatives stated that the tickets on my smart phone were not valid. I never received what I paid for and the credit card company didnt want to help me. The credit card company stated that its my responsibility to get my refund from the merchant. They have not helped at all in the process. I spent numerous times trying to contact the merchant and the credit card company with no help. I responded to the merchant response in my first dispute telling them that I have notified the merchant right away that I was denied access into the venue. How is that my fault that I have get a letter of denial from the venue! They should be responsible for that part of the investigation. Especially since the merchant sold me a fraudulent concert ticket! 

Now, the credit card company charged me a late fee and they charged me interest. And telling me I have to pay for services I never received!
Consumer complaint received 2024-10-13
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc. (GA)

VALIDATION AND CEASE AND DESIST Dear Sir or Madam : I received a debt collection letter from you. Do you have the right person? Can you supply me with a or agreement signed with your company or the Creditor. 

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 


Thank you
Consumer complaint received 2024-10-05
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Block, Inc. (PA)

I made a purchase on XXXX for a suitcase, and used Afterpay to pay for the transaction. The merchant sent the item to the wrong address and refuses to reship to the correct one. I disputed the transaction with Afterpay since I never received the item, but they refuse to credit my money back and have sided with the merchant.
Consumer complaint received 2024-10-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NJ)

CITI Bank has closed my account for suspicious activity on my account. Even though when they closed my account I had a {$70.00} positive balance and I had my paycheck which was {$480.00}, AS WELL AS a {$170.00} refund from XXXX. 

When I woke up two days later to check my account, I wasn't allowed in, I didn't have access to any of my funds, or any access to anything. 

Now I spoke with citibanks fraud prevention twice, the first guy spoke to told me my account was closed and I'm getting a check within 60 days. I spoke to a new person yesterday from fraud prevention and they said my account is still open " it's just blocked right now, but it is going to be closed and then we will send you your check '' Even though they told me it was closed they still accepted my paycheck and now it's being held by them. 

I have read the horror stories about this company way too late, and now I'm a victim of citibanks horrible policies and management.
Consumer complaint received 2024-10-05
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc. (PA)

I got an estimate on brakes for my XXXX  sts at XXXX in XXXX. The salesman predatorily convinced me I could get a loan on the repairs and I was not informed of all the terms. I ended up with a 187 % interest rate and no proper repairs ro my car. A XXXX $ a month payment on an inflated repair in which I now owe XXXX $ for. I want this company held responsible. My car is in not much better shape and now I have a XXXX $ loan on my credit. I feel like I have been taken.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MD)

I attempted to place a freeze on my credit with Equifax because they were hacked. Last week I input my info on the website and it came back that my information was probably compromised. I attempted numerous times today to freeze my credit on their website. It was down. I called the help line that they have to deal with " the incident " ( their terminology ). It was staffed by a 3rd party vendor. When I asked the operator the name of the vendor she told me it was confidential and she would not disclose it. I tried calling the corporate HQ and was met with the same intransigence. No one at this company will attempt to assist over 143 million consumers who may be severely affected by this data breach. They are doing absolutely nothing to help. I called XXXX  and XXXX  today and froze my credit. It took less than 15 minutes to do both. Equifax is purposefully impeding my attempts to secure my private information. I would also request to be reimbursed by Equifax for costs of freezing my 2 other credit accounts. This needs to be stopped, now.
Consumer complaint received 2018-01-12
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: SRA Associates, Inc. (CA)

XXXX/XXXX/2018 SRA Associates called my place of employment at XXXX. I work at a call center and not allowed to accept calls that are personal. They call and hang up. Need help in getting them to stop calling my place of employment.
Consumer complaint received 2024-10-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: MECHANICS BANK (CA)

I am reaching out to CFPB because during 2023, Mechanics Bank charged me excessive overdraft fees and daily continuous overdraft fees on my checking account exceeding XXXX and up. These fees caused a substantial undue financial hardship on me being able to keep up with the cost of living and being able to buy necessity items like food, medication, and pay for gas. I requested back in 2023 for my bank to please refund me my thousands of dollars back or at least half. I have been a customer for a while, and I work very hard for my money. I did not fully understand all of the overdraft. I am still hurting from all of the thousands of dollars that the bank charged me last year.
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My credit report is showing late payments to XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.
Consumer complaint received 2024-09-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX handled by TD Financing. 

XX/XX/scrub>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 Payment DateXXXX XXXX XXXXXXXX XXXX XXXX XXXX - Checking Payment Returned Late fee AGAIN applied but so far as of XX/XX/scrub>XXXX XXXX XXXX, unable to reach by phone now consisting of 4 days trying. 

When I've called in during the past week, their automated system states XXXX payment of {$130.00}. received and no further payment is due now. 

This is impacting my credit score. 

XXXX XXXX
Consumer complaint received 2018-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NC)

XXXX XXXX Account is incorrectly reporting missed and late payments. This is incorrect Accounts is closed and paid in full creditor is still reporting this incorrect information. XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX is reporting a late/missed payment, this is incorrect, and account is paid in full. Creditor is still reporting incorrect information. XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX/XXXX is reporting a late or missed payment this is incorrect, account is paid in full, date opened XX/XX/XXXX address XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX is closed and paid in full, but it is showing a missed payment this is inaccurate. XXXX XXXX XXXX XXXX OH XXXX XXXX/XXXX is paid in full and open creator is reporting a missed or late payment this is incorrect date opened XX/XX/XXXX address XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX is open and current, is reporting incorrect information missed or late payments date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX
Consumer complaint received 2024-10-05
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (PA)

this is an addendum to COMPLAINT ID XXXX I found emails that I saved with the final bill sent to me in XXXX, the payment confirmation for the portion that I paid, and confirmation that service was disconnected on XXXX XXXX The bill covered the entire month of XXXX despite disconnection of service on XX/XX/XXXX. After the chat I referenced in my previous complaint in which the XXXX  rep gave me the prorated amount to cover XX/XX/XXXX - XXXX. I paid that amount. I found a confirmation of payment email from XX/XX/XXXX, showing I paid {$22.00} to cover the service I received from XX/XX/XXXX XXXX. The bill they sent on XX/XX/XXXX was for {$48.00}. The remaining amount of the bill {$25.00} covers XX/XX/XXXX - XX/XX/XXXX. XXXX did not provide service to my residence during those days and therefore has no business charging me and sending a bill for services not rendered to collections.
Consumer complaint received 2024-09-29
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc (PA)

Dear FTC and CFPB, I am writing to file a complaint against HUNTER WARFIELD , INC . I believe that the collection agency has violated my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

The collection agency has not provided me with validation information under 12 CFR 1006.34 ( b ) ( 5 ), but they have placed a collection on my consumer report. I have been given a chance to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( I ).

The collection agency is violating my consumer rights by using false, misleading, misrepresentation, and deceptive means. The collection agency has no authority to furnish any account to a consumer reporting agency without providing any/all disclosures required by law. They are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1661-52 ( 7 ) ( A ). 

I am requesting that the FTC and CFPB investigate this matter and take appropriate action against the collection agency. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: HUNTINGTON NATIONAL BANK, THE (WV)

Our contacted Huntington bank on XX/XX/24 to put stop payment on all transactions from XXXX and XXXX XXXX. However they did not do it, now I have been stranded for 3+ days with my wife and son, with no gas money to get home or money to buy food. They have supposedly put a stop on the ones for XXXX to be returned to me, but that is the same thing I was told in XXXX. Now there is currently amount $ XXXX sitting in funds/overdraft fees that Im being told to wait 3 days, 10 days, and up to 45 days to get all my money back. Upon speaking with the bank today I was told its my fault Im in this position and I should walk over an hour away to get to my nearest shelter, so at least we would have food, but how does that help the dogs I have at home waiting on us so they can go outside and get dinner themselves?!?!? 
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 2018-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am writing to request a correction of the following information that appears on my credit report. 
I am a victim of identity theft and I write to dispute certain information in my file resulting from the ID Theft. 
I have attached the items I dispute on my credit report. The items I am disputing do not relate to any transactions that I made or authorized. 
Please carefully review and remove or correct this information at the earliest possible time. 
Enclosures -Copy of the FTC Identity Theft Affidavit -Copy of the Social Security Number -Copy of the Driver License -Copy of the Utility Bill
Consumer complaint received 2023-08-03
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. (MD)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Aargon Agency, Inc. (MD)

I noticed the Aargon collection agency on my account. I have never received anything from this company. I do not have any accounts outstanding so there is no reason I should have any collection agency on my credit. I filed a dispute with XXXX XXXX and they found the agency to be a legitimate  XXXX but didn't check on legitimacy of the collection account. 

I have no idea what this charge is and have never had communications with this collection company.
Consumer complaint received 2024-10-04
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA (TX)

I signed up for the Disaster Relief Program and was told I would not be assessed interest if I paid my statement balance in full on XXXX XX/XX/XXXX ; now they are assessing me interest and refusing to credit the interest charge even though I paid the balance due of {$2700.00} on XX/XX/XXXX, specified on enrollment letter and corroborated by the rep I spoke to XXXX XX/XX/XXXX.
Consumer complaint received 2018-01-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GMA Investments, LLC (MD)

I was paying XXXX XXXX XXXX dollars monthly. When XXXX came and payment was due ( automatic payments deducted from my bank debit card ), the card was declined. What happened was that someone tried to use my bankcard and my credit union called because of suspicious activity. I had to get a new debit card. XXXX then called me and said that my card did n't take. I said, oh, yes, my card had unauthorized usage and i had to get another card. The representative was nice and apologized that something like that had happened to me. The representative said she need to connect me to the department that will take the missed payment. I said, ok thank you. Once I was transferred, the agent tacked on XXXX extra dollars, stating that it will be added every month until I am finished paying back my debt. I said, Why because the payment was declined, it was n't my fault, someone used my debit card and it had to be cancelled and replaced. The agent said that they were giving me a courtesy all of the months that I had been paying and now I will have to pay an extra XXXX dollars that does not go towards the amount I owe, it goes into their pockets. I never agreed to the extra XXXX and was never told about the extra XXXX. I feel like this is extortion.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (TX)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : 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 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (NV)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Late Payment 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 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 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (MN)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Name : XXXXXXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Employers : XXXX XXXX : XXXX  XXXX XXXX XXXX Employers : XXXX  XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX Employers : XXXX  XXXX XXXX XXXXXXXX XXXX Employers : XXXX  XXXX XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Late Payment XXXX XXXX XXXX Collection/Charge Off XXXXXXXX XXXX XXXX Inquiries XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-11
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Uetsa Tsakits, Inc. d/b/a MaxLend (IN)

I had revoked ACH authorization on XX/XX/year>. I received a confirmation email of said revocation on the same day. This morning ( XX/XX/year>XXXX  ) an ACH payment was taken from my account.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I checked my credit report and see this account on my credit report as a collection account. This account is not mines and does not belong to me I dont have a house or live at any house that I would have energy services in my name this account is fraudulent and needs to be removed from my credit profile XXXX XXXX XXXX Original creditor : XXXX XXXX {$820.00} Date opened XX/XX/year>XXXX XXXX