davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-08
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: NCB Management Services Inc. (MD)

On XXXX. My aged debt was Reported as delinquent. ( Amount XXXX ) Date my old debt was reported was XX/XX/year>. Statute of Limitation has passed. It seems the new collection agency re-aged my account, which means they changed the date that the account first went delinquent, making the debt appear newer. This is a violation of the Fair Credit Reporting Act.
Consumer complaint received 2021-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This letter is about the following accounts : XXXX XXXX XXXXXXXX : # XXXX, which you claim, I owe [ {$2400.00} or my account was charged off {$2400.00} ], XXXX XXXX XXXXXXXX : # XXXX, which you claim, I owe [ {$4200.00} or my account was charged off {$4200.00} ]. XXXX : # XXXX, which you claim, I owe [ {$0.00} or my account was charged off {$0.00} ]. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection practices Act and the Fair Credit Reporting Act, along with corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, TransUnion and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of FCRA & FDCPA ; therefore if you can not validate the debt, you must request that credit reporting agencies delete the entry. 

Pending to the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond withing 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum {$1000.00} in damages per violation for :. Defamation. Negligent Enablement of Identity Fraud. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ). Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 











Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Consumer complaint received 2021-07-29
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: SYNCHRONY FINANCIAL (NY)

Hi, I noticed some credit inquiries in my credit report of XXXX XXXX, XXXX  and XXXX  which I don't recall authorizing them. Please help me with this issue. Following Inquiries I don't recognize - XXXX XXXX XXXX XXXX via XXXX XXXX XXXX  XXXX  XXXX XXXX SYNCBAMAZON
Consumer complaint received 2019-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (FL)

I was contacted via phone and XXXX on XXXX about a give away on XX/XX/2019 I was reached out to about a give away where I had won {$100.00} and that they would send it via cash app. That is when I received the phone call about the give away. While I was on the phone with them is when I got the unauthorized pin change request. Within mins the user XXXX XXXX started sending money to themselves using my cash app. The following amounts were sent out 9 {$500.00}, {$500.00}, {$500.00}, {$500.00}, {$500.00}, {$500.00} all from XXXX XXXX stayed on my cash app. XXXX XXXX XXXX sent me a security text asking if I authorized these charges and I texted no. I only received partial reversals and still had {$3000.00} taken because my bank app showed they actually attempted to take more than the started amounts. I called XXXX XXXX XXXX immediately and filed a fraud claim. XXXX XXXX XXXX is refusing a chargeback because they can not prove I did not authorize these charges because my pin was used. My pin was fraudulently taken and in no way did I approve these charges. The number that texted me for the scam +XXXX ( XXXX XXXX XXXX.
Consumer complaint received 2019-05-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

Oh XX/XX/2018 I was the victim of 2 scam artists using the Cash App system. 
authorization code : XXXX transaction ID number is : XXXX I later complained multiple times requesting a refund which they have refused. I was told the scam artists account was closed, but then to test this i sent them {$1.00} on XX/XX/XXXX and it went right through. 

So I was lied to that their account was closed and they were kicked from the system. 

thank you XXXX XXXX
Consumer complaint received 2021-07-29
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: Experian Information Solutions Inc. (NY)

After checking my credit report and I saw several things I did not initiate or authorize, I have been in contact with agents from all bureaus and they are giving me the run around about deleting information that doesn't belong to me. They are reporting inaccurate information which is a direct violation of the FCRA. Now as a result, I have inquiries on my credit file/report that do not belong to me.
Consumer complaint received 2021-07-29
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: AMERICAN EXPRESS COMPANY (NJ)

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXXccount Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft AMEX Account Number : XXXX This is not mine. 

10. Identity Theft AMEX Account Number : XXXX This is not mine. 

11. Identity Theft AMEX XXXX  Account Number : XXXX This is not mine. 

12. Identity Theft XXXX Account Number : XXXX This is not mine. 

13. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

14. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

15. Identity Theft XXXX XXXX XXXX A Account Number : XXXX This is not mine. 

16. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

17. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

18. Identity Theft XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine.
Consumer complaint received 2021-07-28
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: National Credit Adjusters, LLC (CA)

This company has placed this large debt {$2500.00} on all three of my credit reports, I have disputed this account serval times threw the credit bureaus but no luck, I don't know how this is sticking and I'm clearly saying it's fradulent amounts and charges.so finally the company reached out to me because of a complaint I submitted threw the XXXX. because they never responded and never formally provide me information about this loan I supposedly borrowed. They sent a copy of the original loan contract, I didn't recognize this checking account number, clearly I have been a victim of identity theift. this company even ran my credit with out my permission. The origanal date of loan was XXXX for {$1200.00} but on my credit report states the loan open date is, XX/XX/2020, and the owed original amount is {$2500.00}, now that's double what the original loan was. I'm asking for help because I don't have any knowledge about this account, I found out about account after it was on my credit report. I feel like I was robbed out of the legal way to dispute this transaction, because this company never notify me of this loan properly.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.
Consumer complaint received 2021-07-29
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: EQUIFAX, INC. (WA)

I negotiated a settlement on an XXXX XXXX XXXX account with XXXX XXXX ( file number XXXX original amount {$1900.00} ). I have attached a copy of their letter agreeing to settle the bill for {$250.00} and remove the balance from my file. 

I have also attached a copy of my payment of this amount. 

They simply applied the payment to the balance and left a residual balance on my credit files. I disputed this with all three bureau and the balance remains.
Consumer complaint received 2021-07-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BBVA FINANCIAL CORPORATION (TX)

On XX/XX/2021, I noticed that I have an available balance of {$100.00}. Therefore, I purchased a delivery of XXXX  from XXXX in the amount of {$22.00}. 

However, due to the quality of my order, I requested a refund, which XXXX reimbursed back to my card ending in XXXX ( please see attached ). I noticed that the bank has failed to process the {$22.00} credit back to my account, which now shows that I have a low available balance of {$76.00}. Instead, it should show the previously available balance of {$100.00}.
Consumer complaint received 2019-05-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (MI)

Friday XX/XX/XXXX my Cash App account was closed after trying to send my cousin {$260.00} in which the transaction failed. I can no longer use my Cash App card, It will not let me link my bank account or card to my account in order to be able to withdraw my funds. I still have XXXX left on my account with no way to receive or withdraw it. I have tried contacting Cash App Support via Email and I still have yet to receive a response after sending an email Friday XX/XX/XXXX. I even tried to DM the support team via XX/XX/XXXX they told me the first time someone will get with me in up to 72 hours then they told me it will be less than 24 hours until I get a response and still no response. I believe Square Inc. is responsible for this situation with Cash App
Consumer complaint received 2019-05-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (NC)

On XX/XX/19 I email Cash App support to tell them that I paid {$40.00} for a vendor event and the person didn't provide me documents /location that was needed to attend. I asked them to refund my money or I will have to file a dispute with my bank. Cash App replied back and told me that that was the best thing to do in order to get my funds back and they will listed the merchandise as a fraudulent activities. Meanwhile, they included information for me to submit to them concerning the merchandise and I didn't do it because I thought email them the email conversation between her and I was okay. Meanwhile, days later my account was deactived. 
A few days later I reopen another account under my business name because I knew I had to have funds coming in from clients. They instantly told me that my account is closed and for me to transferred the funds into my banking account. When I tried to do so I was unable to transfer the funds, update new credit card or refund the person ( s ).  I have email them at least 4 times a day concerning this matter. No reply from a human.
Consumer complaint received 2021-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

This company has violated my rights as outlined within Section 604 of the Fair Credit Reporting Act. I never authorized this company to pull my information. Please remove this inquiry from my credit report.
Consumer complaint received 2021-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (RI)

XXXX XXXX XXXX XXXX  - a.k.a XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX, has report me to Experian as being late on payments greatly effecting my credit score. I do not now or have ever owned any financial obligation to this company. 
I disputed this account through Experian and the company, XXXX XXXX XXXX XXXX replied by certifying the account and then changed the account name to XXXX XXXX XXXX XXXX and account type from " Maintance Fees '' to " Loan Payments '' which dropped my XXXX  score even lower. 
Not only am I not financially obligated to this companyXXXX, they are not allowed to drop my credit score in response to a dispute.
Consumer complaint received 2021-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (FL)

Everytimebi try to verify my identity for whatever reason online by answering credit question I cant do so because there is things on my report I dont reconize.Also I was told that I had a credit card that was opened in my name and I didnt .Also there is a car lease on the report. In XX/XX/XXXXthat I also did not apply for.let along get a car.And a student loan that I never recieved. What do I need to do because obviously someone is using my information
Consumer complaint received 2021-07-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (AZ)

Account Name : LVNV FUNDING LLC ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2017 Balance : XXXX Reason : Identity theft Please remove it from my credit report
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I sent an initial complaint dated XX/XX/year> with the inaccuracies that are being reported differently across Experian, XXXX and XXXX. They ( XXXX ) received that letter with certified returned receipt on XX/XX/year>. XXXX responded via USPS with a letter dated XX/XX/year>. Their response was a " canned '' response that all is well and they are reporting accurately. A second letter was mailed today ( XX/XX/year> ) via USPS certified signature required with further violations highlighted. I pray they cure the deficiencies by fixing or deleting the inaccurate items as required by law. 

***Attached to this complaint is : Initial statement of inaccuracies dated XX/XX/year>, delivered to XXXX XXXX XX/XX/year> XXXX XXXX response dated XX/XX/year>, delivered to consumer ( me ), XX/XX/year> Consumer 's ( my ) 2nd correspondence to XXXX dated XX/XX/year>, mailed USPS certified mail today, XX/XX/year>
Consumer complaint received 2021-07-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (NY)

XX/XX/2021 My hardship began on XX/XX/2021, my home was broken into, my wife and I were in stubbed multiple times. We were XXXX XXXX. I was XXXX  for over a month. I lost my income, so did my wife. We also lost our rental income due to the Covit-19 Pandemic. We were left in a very bad financial situation. It was hard to keep up with all our financial obligations. 
We reached out to Shellpoint Mortgage Servicing for help. We submitted a loan modification application. After six months reviewing the application, I was told that I would get an estimate trial monthly payment of {$2100.00}, with a dawn payment amount {$6500.00}. ( Please see attached email notice, proof of payments. ) On or about the XX/XX/2021, after the 3-month trial payments, we received a permanent modification agreement, with a new monthly payment {$3200.00}. A XXXX dollars higher than our previous monthly payments which were {$2300.00}. 
Shellpoint it is servicer with a very bad record on helping home owners. I am writing this complaint to also help other homeowners that have been harmed by Shellpoint.

Shellpoint failed to provide us with the available options for home owners, who lost rental income with the covid-19 under the New York Law, such as to have the arrears accumulated during our hardship period added to the back of our loan, with no additional interest, late fees, or penalties ; The option to assume our regular monthly payments of {$2300.00}.

We can not afford an increased of {$1000.00} in our mortgage payments. We should not be penalized for such horrible stubbing ordeal that my family had to endured.

BY THE INTERVENTION OF AN INVESTIGATION OF THE CFPB IT WILL HELP TO PROTECT MY CONSUMER RIGHTS, AND HELP ME KEEP MY HOME. 

Very truly yours, XXXX XXXX XXXX
Consumer complaint received 2021-07-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (IL)

My new mortgage servicer Shellpoint Mortgage Servicing requires additional insurance coverage which wasn't required at the time of the original loan. When they initially requested proof of insurance, I sent them exactly same hoa master policy that i had submitted for loan approval. Shellpont said they'll reverse premium charged on my escrow acct ( now~ {$1800.00} ) and to wait for notification in the mail. Didn't receive any notification. Only learned today they charged for additional insurance H06, which wasn't required at the time of original loan, at an exhorbitant price, like 10x market rate. How could they change the terms of the original loan?
Consumer complaint received 2021-07-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp. (TX)

This debt is incorrect. Absolute Resolutions filed a lawsuit against me in XXXX, and subsequently filed a motion to dismiss the lawsuit in XX/XX/XXXX because they do not have the evidence to prove this debt is correct. See attached dismissal. 

Further, I disputed this debt directly with Absolute Resolutions as well as the Credit Bureaus in XX/XX/XXXX. On XX/XX/XXXX Absolute Resolutions sent me the attached letter stating they were instructing the Credit Bureau 's to delete this account from my credit report. They have failed to do so.
Consumer complaint received 2021-07-29
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: Experian Information Solutions Inc. (RI)

Experian dont fixed report show error in my credit. Reporting account opened fraudulent of XXXX XXXX/ XXXX XXXX and XXXX  XXXX lending Both account still showing opened current account is no mine and danger my score another reason put this complaint is because my credit is low compares other credit reported dont show correct fico score danger my record and limited opportunities get credit
Consumer complaint received 2021-07-29
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: Credence Resource Management, LLC (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX CREDENCE RM ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX XXXX XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-07-28
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: EQUIFAX, INC. (NJ)

I did not consent to, authorize, nor benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy and 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - XXXX : XX/XX/XXXX : {$320.00} - XXXX : XX/XX/XXXX : {$320.00} - XXXX XXXX XXXX XXXX : XX/XX/XXXX : {$440.00} - XXXX XXXXXXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX : {$940.00} - XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX : {$940.00}