davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-30
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: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I have filed a dispute in regards to the incorrect items on my report. It has been well over 30 days and I haven't received any investigation results.
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 — Public record information inaccurate
Company: EQUIFAX, INC. (PA)

Did not consent to the following lenders pulling my credit report : XXXX XXXX  Inquiry Date : XX/XX/202XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/2021 Phone # : ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2021 Phone # : ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2021 Phone # : ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2XXXX XXXX XXXX Inquiry Date : XX/XX/2021
Consumer complaint received 2021-07-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (SC)

Abilit

y Recovery Services is continuing to tarnish my credit profile and harm my ability to receive new credit by incorrectly reporting I owe a debt that has been proven to not be mine. After repeated requests they refuse to provide a VALID signed contract by myself and sent a printed letter with an incorrect date of birth attempting to prove the debt belongs to me. I've told XXXX, XXXX  and XXXX  that the information is incorrect and it keeps reappearing after being repeatedly told by agents that the company will be blocked from my report.
Consumer complaint received 2021-07-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAVALRY INVESTMENTS, LLC (IL)

This complaint is being sent to you in response to a listing on my credit report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act., 15 USC 1692G ( Section 809 ) that your claim is disputed, and validation is requested. I must demand proof of this debt, specifically the alleged contract or any other instrument bearing my signature, as well as proof of your authority in this matter. Absent of such proof, you must correct any erroneous reports of this past debt as mine. I ask you to provide the following information 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( F ) in this alleged matter? 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state? 5. Please evidence proof of the alleged debt, specifically the alleged contract or other instruments bearing my signature? 6. Please provide a complete account history, including any charges added to this collection agency or any account? 7. List of all names and contact information of all employees that was spoke to regarding this account or collection? You have thirty ( 30 ) days from the receipt of this notice to respond. Your failure to response, on point in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume you have placed this on my credit report in error and that this matter is permanently closed. Provide the proof or correct the record and remove this invalid debt from all sources to which you have reported it. For the purpose of 15 USC 1692 et seq, this notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be deemed necessary. This is a request for information only, and is not a statement, election or waiver of status Regards, XXXX XXXX
Consumer complaint received 2021-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (PA)

On XX/XX/2021 we inadvertently instructed our bank to pay Citi Bank {$1800.00}. The money was intended for a different card. Unfortunately we had closed the Citi Bank credit card a couple years back and after repeated attempts Citi Bank can not locate or return our money. Our bank XXXX XXXX  has told us that Citi Bank has cashed our check. 

Please help us in returning our funds
Consumer complaint received 2021-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

After review of my credit report I noticed some questionable items. Names are incorrect, Dates are incorrect and dollar amounts are incorrect. 

Please delete any names and addresses other than the ones listed directly below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Account Account Number : XXXX Please investigate and delete from my credit report. 

2. Validate Account XXXX XXXX XXXXXXXX Account Number : XXXX Please investigate and delete from my credit report. 

3. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

4. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 



After review of my credit report I noticed some questionable items. Names are incorrect, Dates are incorrect and dollar amounts are incorrect. 

Please delete any names and addresses other than the ones listed directly below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Account CREDIT RCVRY Account Number : XXXX Please investigate and delete from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Also, please send a complete copy of my entire consumer credit file. I do not want the disclosure. I want the actual complete and comprehensive file for all of the accounts that you current possess of mine. 

Thank you for your time. 

Sincerely, XXXX 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: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX Ct XXXX CA XXXX ATTN : I am reaching out to your company because there are fraudulent inquiries on my credit report. 

Pursuant to XXXX Permissible purposes of consumer reports I also never gave you any written consent to report anything on my consumer report. 

By law these inquiries on this letter must be deleted immediately Under XXXX XXXX XXXX XXXX permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
No consent is IDENTITY THEFT! 

XXXX XXXX : XXXX XXXX, XXXX FACTUAL DATA Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX
Consumer complaint received 2021-07-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Consumer Counseling Centers LLC (ME)

For the past 2 months, I have received unsolicited calls from several XXXX, MA numbers regarding XXXXXXXX  benefits and student loan debt. No matter the number or reason for their call, each number claims they represent Senior Aid Helper or Consumer Counsel. I have not been able to answer one of their calls because I work during the hours they typically call. I have only been able to reach an agent once after calling back and the call was dropped immediately by their agent when I mentioned I was registered on the National Do-Not-Call List about a week ago. Since that encounter, the unsolicited calls have only increased.

I have followed their directions to press " 2 '' every single time they have left a message to be put on their " internal do not call list ''. Despite my efforts and being registered on the National Do Not Call List since XXXX of XXXX, I continually get unsolicited calls from multiple XXXX, MA numbers. I'll list the numbers that have tried to contact me since XX/XX/XXXX, today is XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX Again, this is just in a single week, and I have received 8 calls from six different numbers all regarding the same two companies.

The first company that claims they are from Senior Aid Helper wants to discuss my XXXX  benefits. I am currently XXXX, all of my grandparents have passed, and I have reason to be collecting Senior Benefits at this time. I do not personally know anyone that would be eligible for senior XXXX benefits. The callback number that has been left that is attached to Senior Aid Helper is XXXX. 

The second company claims they are from Consumer Counsel and they are claiming that I have student loan debt. I am still going to school, so I have not graduated yet and my debt has not begun to accrue. As it stands today, I do not have student loan debt ( yet ). The callback number that has been left that is attached to Consumer Counsel is XXXX. 

I do not want to receive a single call ever again from one of these fraudulent companies. I do not know how else to go about removing myself from their call list other than to report these numbers and companies. The one time I was lucky enough to somehow find a way to get a real person to talk to me, they immediately hung up at the first suggestion that I am on a do not call list. When I call back, the menu states that by pressing " 2 '' that will place me on an " internal do not call '' list, that does not work. I have pressed that option EVERY SINGLE TIME these companies have called and I am somehow still receiving calls from them. These companies have not relented in the past 2 months and I feel like I am being harassed by these companies at this point. Oh, I know this is supposed to be complaints about one company, but both companies began their robocalls around the same time and from the same location in XXXX, MA so they are connected. There may be separate names but no doubt the scams run by these two companies are related.
Consumer complaint received 2021-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (AZ)

I received an email from XXXX on XX/XX/2021, informing me that I am all set to earn XXXX additional points on everyday purchases ( earn an additional XXXX points for every {$1.00} spent on grocery store, drug store, and restaurant purchases, up to XXXX points, from XX/XX/2021 to XX/XX/2021, plus earn an additional XXXX points if you spend at least {$3000.00} on purchases from XX/XX/2021 to XX/XX/2021 XXXX. 

The email did not provide me any link or option to activate the offer. The offer says Youre all set When I called XXXX on XX/XX/2021, to inquire about this offer I was told by the representative that I needed to activate this offer prior to XX/XX/2021. I explained that I never received any emails informing me about this offer until XX/XX/2021. How can I activate an offer I was not aware of? 

After reviewing my account, the representative stated that he does not even see this offer on my account ( which further proves that I did not receive any emails to activate this offer ) and yet I received an email telling me that I am all set to earn XXXX additional points. The email expressly states that the advertisement/solicitation was intended for me. 

I would have loved to activate this offer especially since I just started using my XXXX card again and made purchases totaling more than {$3000.00} from XX/XX/2021 to XX/XX/2021 XXXX promotional period ), which would have qualified me for the additional XXXX points. 

I sent XXXX a detailed letter with a copy of the email included and respectfully requested that they review my account and confirm that I was never given an opportunity to activate this offer. If I had, I would have activated this offer and been qualified to earn an additional XXXX points based on my spending of over {$3000.00} from XX/XX/2021 to XX/XX/2021. I further asked that after they confirm that I was never given the opportunity to activate the offer, and that I had spent the qualified amount, to please give me the additional XXXX points that I believed was fair for me to receive based on the advertisement/solicitation I received. 

In response, XXXX sent me a generic letter stating : " We are currently unable to complete your request. '' I would XXXX to honor the advertisement/solicitation that the email expressly states was intended for me.
Consumer complaint received 2021-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (NJ)

I had a credit card with comenity bank, that i paid in full on XX/XX/2021, they kept charging me trailing interest and late fee over the trailing interest which I kept paying, no explanation as to why they kept charging me, the last fee was paid off in XX/XX/XXXX, they reported me late XX/XX/XXXX, I am in the process of buying a property and my credit score when down significantly, and now I am facing losing my EMD deposit of XXXX, because my fico is too low for the program that I am currently doing, my closing date is XX/XX/2021, and we dont have enough time to switch to FHA financing. 
please help. 

thank you,
Consumer complaint received 2021-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (FL)

I had applied to a couple of jobs 2 weeks ago and I recieved a text message from the phone number XXXX saying " Hello, Good Day, I hope this message finds you in good health. Im Mr. XXXX XXXX from the company " XXXX holding ag '' your resume which was reviewed by the company 's talent acquisition team, will be paid XXXX per hour during working hours, I believe you will be ready to know more? '' they gave me an interview through XXXX  and mentioned that I got hired, they told me that I needed a few equipment to start working on that following Monday and they were going to provide me with the equipment by sending me check, I received the check the next day of XXXX dollars deposited into my Chase bank account while doing all this I was keeping contact with them via XXXX  messages, I have all the evidence and paperwork they had sent me to sign them and emailed it back to them like 3 days later the check still wasn't deposited so I called my bank they told me they were verifying the check the lady I spoke with called another department to see if it was verified at the end of the call she told me that they verified and that there was nothing wrong with the check it didn't seem fake or anything like that so the amount was already in my account so I send them the money they asked me for through XXXX which I have the email of the persons I send the money too I sent XXXX in total to them and XXXX of those was through a visa card the 3 emails I sent it to are XXXX ( XXXX XXXX ) registered as " XXXX '', XXXX ( XXXX XXXX ) registered as " Rainal '' and XXXX Registered as " XXXX '' they also got my social security number two days afterwards I log into my bank account my bank account was and is negative XXXX dollars so I called my bank and they told me the check was fake and that I had to pay the amount negative in the account because I send the money voluntary without knowing it was a fraud job and when I went to speak back to the person he had blocked me.
Consumer complaint received 2021-07-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. ()

According to Coinbase, on the XXXX of XX/XX/2021 at a transaction that XXXX XXXX  a transaction that I made did not go through, and I owe them a Balance of XXXX GBP. Coinbase states that if this balance is not settled within 5 Working days that this amount will be withdrawn automatically from my account. In the meantime all assets have been frozen. It has now been 6 working days and that amount has not been taken to settle this balance. 

When I first noticed this issue on the XXXX of XXXX I immediately tried to pay the balance off. Although, I have no clue why it was there in the first place. I used my XXXX Wallet on Coinbase, which has a balance of XXXX, so more than enough to settle the score. Coinbase says it is unable to process my payment and to try a different method. I have tried also using my XXXX  Wallet, XXXX Wallet, XXXX  Wallet, and every time Coinbase says it can not accept my payment. I contacted customer support on the XXXX of XXXX explaining the issue, to which they sent me a generic response at XXXX on XXXX XX/XX/2021. I immediately responded stating that they had not properly read my grievance, and sent them screenshots to illustrate the problem. They responded at XXXX stating that my Case ( # : XXXX ) was transfered to a specialist to help with the issue. It is one week later and I have not heard back. I have contacted them on the XXXX, XXXX, and today the XXXX of XXXX to no response via email. 
In between the XXXX of XXXX and today the XXXX of XXXX, I have gone on to Coinbase multiple times a day to try and make the payment, each time it does not work and gives me the same response " try a different payment method. '' During this period of my assets being frozen, I have been unable to buy or sell my assets, and have missed ample market opportunities.

I've also tried contacting Coinbase Support Team via XXXX today the XXXX of XX/XX/2021, to which they responded stating they have notified a 'Specialist ' to handle my case. 

This is unacceptable, and as far as i'm concerned, market manipulation.
Consumer complaint received 2021-07-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC (IA)

They company radius global solutions llc have contacted me in regards to attempt to collect a debt that I dont owe to them. 
I XXXX XXXX is the original creditor who didnt sign an documentation with Radius and have no knowledge of an account with them and dont owe them anything.
Consumer complaint received 2019-08-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (SC)

On XX/XX/2019 my account was locked by cashapp. I currently have {$990.00} locked in my account and no one has contacted me or gotten back to me. I followed the app instructions to regain access but cashapp has not contacted me. I keep getting automated email saying they will contact me in 24 hrs but I never recieve any communication & my account is still locked. I don't know why it was locked but I need to regain access to my own money so I can remove it for good.
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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

InXX/XX/2021 I wrote a letter in regards to my XXXX  and at the federal level having a XXXX XXXX  therefore legally you can not hold my inquiries against it is out of my control. Have since been my medication and is under control I wrote all three major credit reporting companies. In regards to this and still they have not attempted to remove any of them. This is starting to aggravate my severe XXXX. Which that to I am legally diagnosed with as well and can provide verification. I only asked that they would work with me. Ive already feel terribly XXXX. And Im stuck on trying to resolve this Again can not help it sometimes
Consumer complaint received 2021-07-30
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: EQUIFAX, INC. (LA)

For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC
Consumer complaint received 2019-08-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (IL)

I was sent {$100.00} on Cash App by a family member to pay my light bill at XXXX XXXX on XXXX XXXX. I then had the money scheduled to go to my bill the following day. At XXXX XXXX on XX/XX/2019, I received some notifications on my phone stating that I sent {$20.00} then {$80.00} to a person that I did not know. When I went to look at my account it showed that someone had added their email to my account and sent the money to their Cash App account. When I went to refresh the page to look at the email address they had deleted their account by that time and also removed their email address from my account. I then went to ask for a refund of my money and the app said they were unable to request cash from that person. I also changed my pin number and removed my bank card from the account. After that I contacted the Cash App Support Team at XXXX XXXX on XX/XX/2019 and they contacted me back at XXXX XXXX on XX/XX/2019 and filed a claim. The support team contacted me back and said that they will investigate the claim and that I would hear back from them shortly. After I explained what happened, I have not heard from them since.