davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Early Warning Services, LLC (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ), Contents of Complaint : I am writing to request and investigation of the following accounts I have NEVERED opened or use the accounts listed below Im requesting the following information to be deleted from my early warning consumer report immediately I attached a copy of my report to this request The accounts consist of an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc (RI)

I am writing regarding an ongoing issue with inaccurate information reported by Affirm , Inc. on my credit report. As you may be aware, I previously disputed this information, and Affirm ruled in my favor, confirming that the reported information was incorrect.

However, despite this favorable ruling, the inaccurate information remains on my credit report due to either an outdated or erroneous statement provided by Affirm to the credit reporting agencies. This incorrect reporting is unjustly damaging my creditworthiness and causing significant distress.

To resolve this matter amicably and avoid further escalation, I am proposing the following settlement : 1. Immediate Correction or Deletion : I request that Affirm immediately update or delete the inaccurate information on my credit report with all credit reporting agencies.

2. Written Confirmation : I request written confirmation from Affirm that the necessary corrections have been made and that no further inaccurate information will be reported regarding this account.

3. Expedited Handling : Given that Affirm has already ruled in my favor, I request that this matter be treated as a priority and resolved within 14 days of receipt of this letter.

Please be advised that I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the Rhode Island Fair Credit Reporting Act ( RIFCRA ). I have also consulted with an attorney regarding this matter. If this issue is not resolved promptly, I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other relevant regulatory bodies. Additionally, I am considering legal action to enforce my rights and seek damages for any harm caused by this inaccurate reporting.
Consumer complaint received 2024-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Conduent Incorporated (SC)

I have a child support Eppi card. The customer service robot, that takes the call doesnt offer any way to talk with a real human being. I have searched the internet on how to get a customer service representative on the phone, live chat and even an email to try to resolve this issue. They have different phone numbers for each state! Its the same robot in each state, no solutions. However, when you do call multiple times a day and punch in your card number and pin, they charge you a fee each time. So not only do they offer, no live support. They also, encourage you, to keep calling! Its very profitable scheme for them. Its a legal scam in my opinion.
Consumer complaint received 2024-09-03
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (MA)

Chae bank called me about a fraudulent case application. They gave me a case number XXXX, tranferred me CFPB. During the call, long silent when agent said is looking at the report, then cut off. No call back was done.
Consumer complaint received 2024-08-31
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: GOLDMAN SACHS BANK USA (PA)

I purchased Apple Card at XXXX XXXX XXXX for XXXX $ used my Chime card for purchase Sent card to my Wife when she tried to use it it wouldnt work called Apple and they said it was already redeemed! They couldnt do anything about it! Said it was hacked called XXXX they said I have to wait until it post before I can file dispute to get my money back! I have to wait days!! Why Apple doesnt refund people? This is Ridiculous!!
Consumer complaint received 2024-09-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (CA)

Here 's the timeline of events XXXX. XXXX sent me snail mail around mid XXXX, notifying me about payment owed that I didn't recognize. I haven't used XXXX services in ages. 
2. I was out of town on vacation for 2 weeks during which the mail pieces arrived. 
3. Yesterday ( XX/XX/XXXX ) I received a mail notice from Transworld Systems Inc trying to collect XXXX debt for the bills above ( assumption, I don't have the original XXXX bill requests any more ) I've never entered any contract with XXXX promising them payment for any packages. I haven no idea what the bill was about. The debt is not mine and collection efforts are wrong.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (TX)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/2023
Consumer complaint received 2024-09-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (NY)

I have an account with Cash app I made a payment to XXXX XXXX XXXX XXXXXXXX XXXX XXXX} they illegally cut off my service a week later I filed a dispute with Cash app to get my XXXX back they are refusing my refund
Consumer complaint received 2024-09-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (NY)

My tax return for XXXX were filed and the refund was erroneously deposited into a person/persons account who banks with TD Bank on XX/XX/XXXX This is not my banking financial institution and the account where the funds were deposited doesn't belong to me. I contacted the IRS completed the 3911 form to trace the money. after the completion and verification of the trace, TD has yet to return my money for my federal refund. My XXXX XXXX has corresponded with them as well and they have remained silent in regard to the matter.
Consumer complaint received 2024-09-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK (CA)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 


XXXX XXXX XXXX
Consumer complaint received 2024-09-06
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (FL)

Im facing some serious issues with my credit due to this collection account. I never agreed to or signed any contract for this account. For a contract to be valid, both parties need to sign it, and I have not been part of any such agreement. Additionally, the collection company didnt follow the proper 5-step validation process required by law.

According to the FDCPA, Im entitled to compensation for these violations. Its clear that my rights have been ignored, and this has been really damaging to me personally. Im asking for this account to be removed from my credit report immediately. If this isnt resolved, Ill have no choice but to take legal action.
Consumer complaint received 2024-09-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC (FL)

The Company Newrez LLC merged or took over SLS which was the prior servicer of the loan that acquired or serviced the loan from XXXX XXXX. This has been a disaster from the beginning. There was incomplete transfer of payment information. There has been no attempt or investigation on their part to complete that transfer. It is left to the customer to prove that they paid or double pay whatever payment information was not transferred over. They are alleging that I did not pay 2 months mortgage- XXXX and XXXX. I send them proof of payment- the receipt they sent to me of payment. they claim this was not enough. This has been going on since XX/XX/year>. I then sent them Bank statements from XXXX showing withdrawal each month of the mortgage amount to the company. They have gone silent. With no resolution of this issue. In the meantime, my credit score have gone from XXXX to XXXX. I am unable to refinance or apply for any loans to get out from under this nightmare and they are charging me late fees and all kind of fees while I am being held ransom by their incompetence or fraud or scam. I have been calling weekly since XXXX to get this resolved. The department- Loan Servicing Department that is supposed to be handling this does not take calls, only email and have has not responded to any emails- ever! I have sent multiple emails to supervisors, anyone who will listen ; Nothing. 
In the meantime, my credit scores that I have spent a lifetime building tanks! and I am unable to attempt to refinance because of the abysmal score. I usually take mortgages out with big banks and if I use a regional bank it is usually bought by a bigger bank. I have never heard of this servicer but this is the worst experience I have had with a mortgage. The absolute worse! They should not be in this business ; any business for that matter. 
They are untrustworthy! 
Who are their regulators! They need to be investigated! Something is amiss! All the dots aren't connecting with this company!

This is BASIC!!

The regulators ; SEC needs to go in with a fine tooth comb ; something is going on with this company!! 
XXXX
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am writing to request an investigation of the following accounts. I have never opened or used the accounts listed below. I am requesting the following information to be deleted from my early warning consumer report immediately. I attached a copy of my report to this request. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 don't recognize the following accounts in question. I'm a victim of identity theft and I don't recognize these accounts on my report. I'm requesting the following information be deleted from my Early Warnings Consumer report immediately! I've attached a copy of the report to this request. 
Thank you for your assistance. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-09-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (SC)

I have a prior complaint they are habitual liars. No call back fake empathy. The crazy thing is our us government is aware of the numerous infractions and bad banking practices. Their legal is good because they deflect anything and everything I will pursue this in the court of public opinion. My advice was to make it public first - I gave them ample time. They laugh in out governments face with those fines because the behavior does not change. They sent a meadation letter about the fake accounts they made in my name to give me a hard time cashing a check is ridiculous and why Im pursuing this
Consumer complaint received 2024-09-01
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (FL)

In accordance with the Fair Credit Reporting Act XXXX  Account has Violated my rights ( HUNTER WARFIELD INCXXXX XXXX of {$2600.00} ). I have never owed HUNTERWARFIELD 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (CA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-08-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV INC. (PA)

I had a closed complaint on trs. The agreement was to send me back XXXX XXXX but instead i got 3 emails about a new XXXX debt that is no where, canceled or otherwise, on my account and certainly not from me. All 3 emails came back to back on XX/XX/XXXX at XXXX. They never mention the order, amount, or any other information. That has been one of my concerns with them because they hit my bank over and over for the same transaction, they dont say what the purchase was and they say XXXX can help me with it but all 6 times this has happened, amazon has no record of any non payment ( even the 2 times it actually was NSF ), trs u cant get ahold of. They will ask for a ref number or the XXXX order .... They dont give us one. I call and say " i got an email '' as legit all the info i have ... .. Trs nor XXXX can do anything with that so trs is basically sending emails ( valid or not ) to dip in XXXX XXXX accounts for whatever they want .... Even double taking fees. Im filling at this point because my bank already told me, even their fees list under XXXX and my bank wont refund overdrafts or put in claims for companies that i have my payment on file with.. even if i remove my payment info, i tried, they already have it so its hopeless. Instead of getting the money they claim to owe, the will make up 3 more false cases! Thats crazy. U need to be shut down!
Consumer complaint received 2022-10-27
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. (CA)

I sent my letter off XX/XX/XXXX2022 I told the credit bureaus to remove addresses that appear to be incorrect on my consumer profile. Ive enclosed documentation providing proof of my current address, as instructed to do on your website. 
To make your process of deletion easier, Here is a list of incorrect addresses that I am currently seeing listed ( which I would like removed please ) : ( Previous / incorrect addresses ) There should only be one address Listed on my report, which is ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Ca XXXX { INCORRECT ADDRESSES } 1. XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX Single family XXXX XXXX. XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX I also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : { Incorrect names } 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX Once you have deleted the inaccurate names and address from my credit report, please send me a copy of my updated report Thankyou,
Consumer complaint received 2024-09-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: River Heights Capital LLC (MI)

I was garnished. I never received any notification of garnishment. The bank sent me the notice and placed a hold on my money. The addresse on the notice was from a old number that was about 8 years ago. I am a XXXX veteran rated at 100 % I was told that my compensation was exempt. I notified the bank and was told that the court told them to hold it. I tried to show them the rules on your site to no avail. Had court hearing and the judge ruled against me. I tried to point out the rules but he ruled against me anyway. I also had money from FEMA to make repairs on my home. Please help I have no one to help me. thanks in advance.
Consumer complaint received 2024-09-03
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: OneMain Finance Corporation (FL)

I am filing a complaint against Onemain financial for violating the Fair Debt Collection Practices. One main financial has not provided validation information as required by law ( 12 CFR 1006.34 ( b ) ( 5 ) ) but has placed a collection on my credit report.

* I have not been given the opportunity to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

One main financial is using false, misleading, or deceptive means to collect the debt.

One main financial furnished the account to a consumer reporting agency without providing the required disclosures, violating 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). 
I request that the CFPB investigate these allegations and take appropriate action against Onemain financial. I want this collection deleted from my consumer report due to all the violations. 
- [ ] By submitting this complaint I authorize the CFPB to contact me for more information or updates.
Consumer complaint received 2024-09-03
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PLANET HOME LENDING, LLC (OH)

XX/XX/XXXX by me paid into my escrow account XXXX to fill escrow shortage and stop house payment from increasing. Paid all house payments of XXXX regularly without no late payments. This included taxes and insurance. Now after Plant Home Lending did a " escrow analysist '' Plant Home says I will be short XXXX in escrow and with the storage and higher something either taxes or insurance after 13 months of payments being XXXX the shortage will be paid and my new payment will be XXXX. My taxes have not increased they are like XXXX a year my insurance went down to XXXX a year. And all that is paid through escrow that Plant Home is paying and charging me three times for.

I called Plant Home and talked to a rep to find out how I was short, she transferred me to my home insurance company of XXXX. All is good with XXXX I have one policy paid in full good till XX/XX/XXXX. I called Planet Home again to ask where they get the info from again was transferred to XXXX. Plant Home will not answer my questions of how I became " short '' in my escrow account nor will they answer where the amounts Plant Home pays comes from. When looking at account on line nothing but my payments are visible not who escrow is paying or how much money is being paid to who. Charging me for escrow accounts or bills that are not mine out of my escrow has to stop.
Consumer complaint received 2024-09-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (TN)

i bank with chime and made a purchase that was a scam. i asked the company to refund me they said no. i requested a dispute with chime to refund me my money as i didn't receive the item, its been since may when i ordered. and sent all proof of contact and all messages and purchase dates and reciept of amount.. i haven't gotten a denial as of yet but the company i made the purchase from, emailed me and said the money i paid them was removed from their account 2 weeks ago from chime. I figured that meant the money would be back in my account and it hasn't. when i call i still get no response. i need help to get my money back as that was for my kid. chime has the money, just wont give it to me when i worked my XXXX off for that.
Consumer complaint received 2024-09-03
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (IL)

On XX/XX/year> I made a payment of {$500.00} and tried to contact XXXX XXXX XXXX to have my payment reallocated towards a promotional purchase of {$400.00} but was put on hold for an hour