davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status 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 XXXX XXXX. 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 A XX/XX/year> XXXX XXXX XX/XX/year> Late Payment XXXX XXXXXXXX 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 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Advanced Resolution Services Inc. (CA)

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 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 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Advanced Resolution Services Inc. (LA)

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 Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 XXXXXXXX Personal Information : Current Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Employers XXXX XXXX
Consumer complaint received 2024-10-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (NM)

I was defrauded by a woman going by the name XXXX XXXX who claimed she was from the XXXX XXXX. We were involved in an online relationship from XX/XX/XXXX to XX/XX/XXXX. I made numerous attempts to bring her to the United States and in the course of the relationship, was defrauded of over {$28000.00}, most of which was sent to her in moneyXXXX transfers using CashApp. CashApp is the subject of my complaint. I have attached a letter documenting my complaint. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2023-11-17
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Tesla, Inc. (WA)

I have reached out to tesla on multiple occasions to attempt to correct this error. Tesla has confirmed I do not own, nor have I ever owned a vehicle that is now financed through XXXX XXXX XXXX. I was told on XX/XX/27 to allow 7-14 business days for them to correct the error with XXXX XXXX XXXX  and close the errand loan. however, after the estimated time has lapsed, I reached out again asking for a resolution and still have not heard back. They can confirm that I do not own the vehicle the loan was taken out on, in fact it was sold to someone else who paid cash for the vehicle. I'm getting collection calls from XXXX XXXX XXXX and Tesla is telling me to ignore them and they are working on it. I need this loan closed and my credit to be corrected due to their financing error.
Consumer complaint received 2022-02-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (NY)

In XX/XX/XXXX, I was taken to Landlord Tenant court ; by XXXX XXXX I made an agreement to pay XXXX, XXXX, XXXX, XXXX, and Attorneys ' fees. I made all payments by XX/XX/XXXX except {$500.00} attorneys. I lost my job in XXXX. Which lead me to become behind in rent moved out in XX/XX/XXXX. When I moved out, I was in arrears {$4900.00}. For XXXX, XXXX, XXXX, and partial XXXX. My security deposits were {$1400.00}. I did not receive it back which was understandable under the circumstances. XX/XX/XXXX, I received correspondence from National Credit Systems stating I owed {$5200.00} to XXXX XXXX for the months of XXXX, XXXX, XXXX, XXXX of XXXX. Furthermore, National Credit Systems is collecting on XXXX behalf. I submitted supporting documents that those payments were made, and that security deposit was not deducted and that the amounts reported is inaccurate for two reasons. One, the months are not correct please request payment history from wincoram. Two, security deposit was not deducted. To no avail even with documentation National Credit refuses to update the account so I can make payments and with the credit agencies. I did not go into contract with national credit, nor did I accept the debit. Please assist me as to what I should do.
Consumer complaint received 2022-01-02
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. (FL)

XXXX stated I owed {$86.00}. I paid it off on XX/XX/2021. XXXX took it off. Transunion states the did, however it is still showing as owed and my credit score is still the same. I have contacted or disputed it 3 times now and they say it's fixed. It is not! I need this off my credit report as " owed ''
Consumer complaint received 2024-10-02
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: A+ Loans, Inc. (TX)

VALIDATION AND CEASE AND DESIST Collection agency name : A+ Loans XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear A+ Loans I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt. 
5. Documentation showing 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 provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2022-11-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Assistance Inc (MN)

XXXX receiving phone calls of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Financial Assistance , IncXXXX, Debt Collection Representatives for a debt of {$360.00} from XXXX XXXX XXXX XXXX. The debt collection account is the result of identity theft and not my debt collection account. Financial Assistance , Inc., is in violation of the Fair Debt Collection Practices Act ( FDCPA ) under federal law.
Consumer complaint received 2022-02-22
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

You are in violation of the following Federally Protected Consumer Rights : Compliance procedures- 15 U.S. Code 1681a ( b ) Reasonable Procedure- 15 U.S.C 1681 ( b ) Billing Errors-15 U.S.C 1666 ( b ) 15 U.S. Code 1681i ( 5 ) ( A ) ( i ) Removal of Inaccurate/invalidated Credit Information I the consumer never gave XXXX any written consent to report anything on my consumer report.
Consumer complaint received 2022-09-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (CA)

Company : loandepot Loan # XXXX I had started a home loan application with this company around start of XX/XX/XXXX but nothing happened after that. 

On XXXX I called loandepot customer care to cancel my application which they said yes to do it but nothing happened. 

On XXXX I called loandepot customer care again to cancel my application as I did not see it cancelled to which they said that loan consultant on my case will do it but again it is not cancelled. 

On XXXX called loan consultant but did not pick, email sent and again loan is not cancelled. 

On XXXX I called loandepot customer care to cancel my application as I did not see it cancelled to which they said that loan consultant on my case will do it but again it was not cancelled. 

On XXXX called loan consultant but did not pick, left voicemail, email sent and again loan is not cancelled. 

This loan status showing as application pending is causing my another loan application with another bank to not get approved. The other bank wants this loan application as cancelled before they can approve my loan application with them. 

XXXX.
Consumer complaint received 2022-01-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Global Asset Agency, Inc. (AE)

This company reported a collection action to my credit report without ever contacting me. This is a clear violation of the Fair Debt Collection Practices Act. Per the FDCPA, the collection agency must send you a notice include the amount of the debt, name of the creditor, and notice of your right to dispute the debt within 30 days. This NEVER occurred. I received NO letter, NO email, no phone call. NOTHING! I was denied my right to dispute this debt ( which I emphatically do! ).. Disputing the debt would have required this company to pause all collection actions during the dispute. This NEVER occurred!!! 

My rights have been violated and my credit ruined!!!!
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (AZ)

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 Charge Off/Collection XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Personal Info : Also Known As : XXXX XXXX XXXX, XXXX Employers : XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> Previous Address ( es XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/year> Also Known As : XXXX XXXX
Consumer complaint received 2022-11-14
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. (SC)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA XXXX ( XXXX U.S.C. XXXX ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX, XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$66.00} ; XXXX XXXX XXXX : {$73.00}.
Consumer complaint received 2021-10-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (TX)

On XX/XX/XXXX, at around XXXX CST, my Coinbase account was hacked, and hacker stole {$16000.00} worth of Bitcoin ( XXXX Bitcoin ) by making XXXX outgoing transfers to outside wallets ( see Coinbase transaction log attached ). To do this, they reset my Coinbase password and changed my XXXX setting from a new device with IP address XXXX in XXXX XXXX ( see Coinbase activity log attached ). At this point, I was out locked out of my account completely because they changed my log-in credential and XXXX verification method. They then proceeded to convert all my coins into Bitcoin and made XXXX outgoing transfers in Bitcoin to outside wallets. This happened in matter of 18 minutes while I was sleeping, not hours, not days. Total lost = XXXX Bitcoin. I contacted Coinbase immediately about the fraudulent account access and unauthorized transactions when I checked my email and saw the fraudulent outgoing transfers. Coinbase acknowledged that my account was hacked but refused to reimburse the fund that was stolen from me.

What is more outrageous is that the hacker used my bank account linked to Coinbase to purchase {$1000.00} worth of Bitcoin and I asked my bank to void the fraudulent transaction on XX/XX/XXXX. Now Coinbase is asking me to pay them because my bank did not pay for the transaction, as they should not.

Per Coinbase password reset policy found at https : //help.coinbase.com/en/coinbase/managing-my-account/get-back-into-my-account/reset-my-password, Coinbase stated that : " As a security precaution, if you reset your password from a new device, you wont be able to send crypto from your account for up to 48 hours. To avoid this send restriction, request a password reset from a previously authorized device. '' Coinbase violated their own safety protocol as they allowed the hacker to reset my Coinbase password from a new device with IP address XXXX in XXXX XXXX and the hacker was able to make XXXX sends of cryto to outside wallet immediately after a password change from a new device. Coinbase did not follow their own policy of 48-hour waiting period as stated above after a password change from a new device. If they were to follow their own safety protocol, I would have time to see the fraudulent password reset and take action to secure my account to prevent fraudulent transactions. What is more troubling is that Coinbase system did not flag the 152 transactions performed in 18 minutes as fraudulent or suspicious activity. This is gross negligence from Coinbase and I'm asking Coinbase to take responsibility and reimburse my account for the lost fund.
Consumer complaint received 2021-12-31
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I lost my job XX/XX/2021 due to Covid-19 i called and asked the bank to ask if i can have some kind of protection to avoid overdrafts fees as i was not able to deposit any extra funds into my account they told me there was nothing they can do for me they continued to take my child tax credit deposits to cover the overdraft on my account
Consumer complaint received 2024-10-02
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: FIRST PORTFOLIO SERVICING INC (PR)

XXXX That number above is my reference number with Revvi Card. That is the confirmation to me sending my documents by email. My ID and proof of address were needed to be sent because I tried changing my address with them. They've lied to me about how to send the documents and how long it'll take. They tell me that there's other issues going and then they tell me there isn't and they tell me there is. They even said since your card is in restriction you don't have to make the monthly payment and I have also been told you do need to make the payment.
Consumer complaint received 2024-10-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nationwide Credit & Collection, Inc. (CA)

About a month ago, I received a collection letter from Nationwide Credit & Collection ( NCC ) claiming that I had a medical debt past due. I had already paid all bills related to these services in full. Confident that this was an error, I mailed NCC a response disputing my debt. They ignored my dispute and have continued to send me collection letters, but now with a different " past due '' amount. Their failure to acknowledge my dispute and insistence on continuing to collect an amount that I do not owe is wrong. I worry that people with fewer resources or knowledge about their rights will end up paying because of these improper collection tactics.
Consumer complaint received 2022-01-03
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: Experian Information Solutions Inc. (NV)

Dear XXXX, XXXX and Experian I am writing to dispute the following information in my credit report file. 

The information on the XXXX XXXX XXXX XXXX for {$17000.00} was charged off as bad debt and is inaccurately reporting because it was included in my bankruptcy. 

I am requesting that the item be removed immediately as Section 809 of the Fair Debt Collection Practices Act speaks about statute of limitations for tradelines to appear on credit reports. 

Please reinvestigate this matter and delete the disputed item as soon as possible.
Consumer complaint received 2017-08-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (CA)

XXXX charged off credit card debt from a failed business venture and reported it as a consumer account on my credit report. I disputed the accounts with XXXX and in retaliation XXXX sold the debt to an outside debt collection agency called Sherman Originators, LLC. The only reason I was notified that Sherman Originators, LLC owned the disputed debt is because XXXX responded to a complaint I filed with them regarding the failed business venture. I did not receive a notification from Sherman Originators, LLC. about an attempt to collect a debt or information verifying the debt was mine which is in violation of the requirements set forth by The Fair Debt Collection Practices Act ( FDCPA ) and The California Fair Debt Collection Practices Act ( CFCPA ). Additionally, after checking my credit report the debt was sold again to a company called LVNV Funding, LLC. I contacted LVNV and they sent a letter that appeared to be in compliance with regulations set forth by the FDCPA and the CFCPA. However, I was unable to dispute the matter because the company received inaccurate information from the Sherman Originators and ultimately XXXX regarding the classification of consumer and business debts. XXXX and Sherman Originators did not meet requirements set forth by The Fair Debt Collection Practices Act ( FDCPA ) and The California Fair Debt Collection Practices Act ( CFCPA ). Additionally, LVNV Funding, LLC refused to acknowledge they received incomplete and inaccurate information from Sherman Originators, LLC and ultimately XXXX. How can inaccurate information and failure by the companies to properly notify, stemming from the original source, continue to be reported to my consumer reports?
Consumer complaint received 2023-11-17
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Self Financial Inc. (KS)

I am reporting this company ( Self Inc ) because I just noticed on my credit reports that there is a fraudulent trade line from these people that I never opened. I have never even heard of this company, let alone did any business with them, but yet they have a negative and fraudulent trade line on my credit reports. Ive had a little issue in the past of fraudulent accounts being opened in my name, and Im 1000 % positive this is another one. I have contacted this business just under a week ago to give them an opportunity to rectify this situation, but to no availI want this fraudulent trade line removed from my credit reports ( XXXX, XXXX, & XXXX ) IMMEDIATELY! Or as advised by my attorney, litigation will commence against your company and subsidiaries as follows. This is a chance to make this right here and now. Remove the fraudulent trade lines. As Ive attached an Identity Theft Report As Well, so theee is no excuses.!
Consumer complaint received 2022-11-13
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. (AL)

Starting disputing my credit file around XXXX XXXX for inaccuracies. My file  came back verified so I ask the process of the way of verification and I never received anything  back from the bureaus.
Now the disputes were with
XX/XX/XXXX