davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I had XXXX XXXXXXXX XXXX, XXXX which i did not use for a long time. Last week I looked into my XXXX credit reports and seen a late payment of {$6.00} which was from a XXXXXXXX XXXX XXXX  app. I never had purchased a XXXXXXXX XXXX with that card. The XXXX credit card Companies lowered my score XXXX points. I called XXXXXXXX XXXX XXXX and explained this to them. They told me to contact XXXXXXXX XXXX XXXX which i did. I told XXXXXXXX XXXX XXXX that it was not my purchase. They told me that they cant find that purchase so they can not remove the fraud purchase. I looked into my XXXX account and seen it there. I also talked with XXXX and they see this charge too. I filed a dispute with all XXXX credit bureaus. I have not received any help or answers. I am XXXX and can not do much. I can not get this dispute settled. I worked hard for my credit score and was near an XXXX score and now they deducted XXXX points from it for a {$6.00} fraud charge that i had no idea about. The charge was put on my card on XX/XX/scrub> XXXX XXXX
Consumer complaint received 2024-09-21
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NY)

XX/XX/2024 Syncb/Verizon XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX : SYNCB/VERIZON ; Amount : {$1700.00} To whom it may concern : I am disputing the above-referenced debt. Please verify this debt as required by the Fair Debt Collection Practices Act ( FDCPA ( section 1692g ). 
Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and /or delete the trade line from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDCPA and the Fair Credit Reporting Act. 
I look forward to hearing from you about this specific matter via mail. Please send written communication to the address listed below. 
Sincerely, __________________ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX cc : Syncb/Verizon Please note that XXXX XXXX  XXXX XXXX Code 2-190 require all debt collectors to send specific written documentation verifying the debt. These include : o Proofofmyagreementtopaytheoriginalcreditor ; o Acopyofthefinalaccountstatementissuedbytheoriginalcreditor ; o Abreakdownofthetotalamountdue, showingprincipal, interestandothercharges ; and o Forallothercharges, thedateofandbasisforeachcharge. 

Federal Trade Commission XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX and Worker Protection
Consumer complaint received 2024-10-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Sigue Corp. (CA)

XXXX XXXX XXXX XXXX XXXX Sigue send me refund money for {$1100.00}, but the check had been returned as unpaid. account no XXXX XXXX XXXX, please help me out.
Consumer complaint received 2024-10-07
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Kikoff Inc. (TX)

I am a victim of identity theft. When I discovered this theft I filed a police report and investigated my various credit reports. Upon review, I found an account at Kikoff Lending that was not opened by me or with my knowledge or consent. I disputed this account directly with the credit bureaus and it was removed from my report, however, about a month later it returned to my credit report and I was told that the creditor suggested that this account was mine and to have it remain on my file. This is not the case. I understand that payments were made on this card but these payments were not made by me. It is my understanding that this card was opened online and sent to an address that was deemed fraudulent. Police report is attached here.
Consumer complaint received 2024-09-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (GA)

I have recently reviewed my credit report. I was shocked to learn that I have been victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove fraudulent account from my credit report as soon as possible. Included below are other accounts that were not open by me and other personal information and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-07
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc. (MN)

I am writing to formally express my deep concern regarding the ongoing issues with my Square account and the prolonged hold on my funds. 
On XX/XX/2022, I processed two invoices for the same client, totaling {$97000.00}. The payments of {$48000.00} and {$48000.00} were successfully completed on XX/XX/2022. Shortly after, I received a notice from Square stating that my account would be deactivated, with my funds held for an initial period of 90 days. 

Despite complying with all requested documentation, including a three-month bank statement, I was informed that I had to wait for the specified hold period. After the initial 90 days, I was told that my funds would remain inaccessible due to an additional 30days hold. This situation has caused significant stress, especially as I have been battling a serious health issue since over a year so I was not able to contact square during this time i was diagnosed with XXXX. 

I find it perplexing that my account was deactivated immediately after receiving payment for services I had already rendered, using my personal resources. To date, I have not received clarity on the grounds for the continued suspension of my funds. I have attempted to reach out multiple times to speak with a member of their legal team or a rep who can provide clarity, but have not had any substantial resolution. 

Recently, I sent an email to the square email address and I received a message indicating that my funds are available for transfer but that I need to reactivate my account through the call and I was giving a case number # XXXX. Despite calling square team multiple times since receiving that message, nothing has changed. I have been repeatedly told that my case is being escalated, and that I would receive an update via email. Yet, days have passed, and I am still waiting. 
I urge you to help me out because I have nothing else to do, no where to run to as this has been a significant burden on my personal and professional life. This situation is taking a toll on my well-being I just want my funds.
Consumer complaint received 2024-10-07
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: DISCOVER BANK (AL)

I am writing to express my concern regarding the disputed accounts that continue to appear on my credit report. On multiple occasions, I have submitted disputes concerning inaccuracies in these accounts and have requested that they be thoroughly investigated. Unfortunately, despite my efforts, no resolution or corrective action has been taken, and the inaccuracies persist. 

These erroneous accounts are having a significant negative impact on my credit file, leading to financial hardships that have severely affected my ability to live a normal life. I kindly request that your agency conduct a comprehensive investigation into the reporting of each disputed account and take the necessary steps to update and rectify my credit report. 

It is crucial that this matter is addressed promptly. I ask that you ensure the accuracy and integrity of my credit file and that the required corrections are made without further delay. The resolution of this issue is of the utmost importance to me, and your swift action would be greatly appreciated. 

I look forward to receiving confirmation that the investigation has been initiated and that the disputed accounts will be corrected. Thank you in advance for your understanding and assistance in resolving this matter.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kikoff Inc. (TX)

In accordance with the fair credit reporting act this account has violated my rights 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
15 USC 1666B : A creditor may n treat a payment on a credit XXXX account under an open end XXXX consumer credit plan as late for and purpose.
Consumer complaint received 2016-02-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Hiday & Ricke, P.A. (FL)

This company has been known online to contact people concerning aged debts which they have purchased from other companies and are trying to collect on. These debts are mostly over 20-15 years old and they have been known to send letters to people stating they will collect and garnish wages. It is illegal to purchase aged debts from other companies and then treat them as if they are new debts. They know this and are preying on those who do n't know their rights. This company needs to be stopped. Here is a link describing some of their practices which include changing the amount of the debts owed on accounts : XXXX. They operate out of Florida with locations in XXXX, XXXX and XXXX XXXX. They had other locations but I guess those closed down.
Consumer complaint received 2024-10-05
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Possible Financial Inc (CA)

A month ago in my home buying process I was told about an unpaid debt after my credit report was pulled. 

In an effort to ensure I repaired the credit, I contacted Possible Finance through phone, email, and their app to pay off this debt. 

Since I began this process I have asked for a phone call. They called XXXX time too early and then on all other suggested call times they have not replied, They only communicate via email and each email has taken several days to get back to me and none of them have answered my questions or solved the problem despite stating it every time- just looking to pay off my debt. 

It is seemingly discriminatory but we are at a month of me trying to just pay off a debt, finally was able to get my bank in to their system trouble shooting on my own as none of them can get back to me on problems despite screenshots and ample asks, and they still ask me questions about my account I have sent several messages explaining urgency, explaining they can just charge the account explaining their systems is down. And the latest email sent XXXX  days ago was when is an exact time we can call. Responded with any day any time and still no call. They have no customer service hotline and emails are taking forever to reply to therefore I am finding a huge barrier to just paying off my debt which in turn has led to more negative marks on my credit report. 

If we go back historically I didnt even know I still owed as had to switch my bank account number due to security reasons several years ago they never send anything to tell me I owed.
Consumer complaint received 2024-10-05
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA (FL)

Kia Finance, Paid in full by XXXX and gap insurance, XXXX released title to insurance company, didnt close account off and now charged off on all three bureas, contacted and told they can not help me as debt has been sold.
Consumer complaint received 2024-10-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (NC)

We're a XXXX XXXX who have used Square to process payments, our account was closed for no reason and our money held by Square for 90 days. As per their email below our funds should have been released XX/XX/year> but it is now the XXXX and their customer support is no help. All we want is to get our money for services that was already rendered. Square is unhelpful.
Consumer complaint received 2024-10-07
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

Back in XXXX while I was XXXX someone robbed and stole all my information.my birth certificate, social, ID, DEBIT AND CREDIT CARDS were gone and utilized. 
The fraudsters Utilized them to the max.took about XXXX out of my unemployment card in XXXX, XXXXthe fraudsters opened up line of credits and credit cards, used my debit cards and changed information, took out student loans through and online college and more.i was XXXX from XXXX to XXXX.i pressed charges on XXXX XXXX that stayed at XXXX XXXXXXXX XXXX as soon as I found out as i got released.i opened claims up with bank of america prepaid.claim numbers XXXXthis has been handled legally and It isn't being handled by THE BANK!!! this guy got sentenced to prison using my information.i don't understand why i don't have my money back this is pathetic. I have my -FTC REPORT -IDENTITY THEFT POLICE REPORT -FTC DISPUTE LETTER -XXXX  RELEASE PAPERS ( XXXX XXXX ) - COURT DOCUMENTCASE INFORMATION ABOUT MY STOLEN IDENTITY I don't know what else to do after this beside go to small court claims if this doesn't work out.i have my evidence and proof that I wasnt liable for this fraud and I was XXXX
Consumer complaint received 2024-10-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

XXXX I just got off the phone with XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX she told me that Select Portfolio Servicing paid my property taxes but they didn't pay all of the late fees. She said there is {$110.00} still owed ( it was a little less than that but every month it's late more interest gets added to it ) and they called them ( SPS ) and told them they can't take partial payments. They have not tried to cash the check that they sent them but they do still have the check. I told her I'll mail a check-in for the shortage so it doesn't get any higher because they have had months to pay it and haven't sent them anything.
Consumer complaint received 2024-10-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (TX)

On XX/XX/year>, I booked a tour using the XXXX website for a ticket, guide, and travel to XXXX XXXX. I selected XX/XX/year> as the tour date, and the system let me book. On receiving the confirmation email, I noticed that it had confirmed a tour on XX/XX/XXXX when I would not be in the country. 

I quickly rang XXXX to report the issue and ask for a refund. They were particularly unhelpful. They recommended that I call the tour operator in XXXX ( an expensive long-distance call ) to try to cancel. 

When speaking to the tour operator, they confirmed they had no tickets available that day and could only provide the requested service on XX/XX/XXXX. I made sure the tour operator canceled this reservation, and they incurred no charges. 

After rounds of unsuccessful communication with Citibank on this, I reached out to the provider to confirm in writing that this charge was not valid. 

The attached conversation is with XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) who is the tour operator that was providing the tour. XXXX is a third party operator who schedules tours with local operators. 

The tour operator has confirmed that XXXX 's system had incorrectly booked the tour and that I should be refunded. This was also relayed to the XXXX team, who has been unresponsive since this was once again raised to them on XX/XX/year>.
Consumer complaint received 2024-10-05
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Central Portfolio Control Inc. (AZ)

Sent a text message to a sibling of mine. Gave name of debt. My name was used and the reference number in the text message. My sister number has never been shared with this company or original debtor nor is connected with me. 

I have a screenshot of the text that was sent to a relative. 

That Phone number has never been used and solely is a relative. 

This was not an accident. Purposely sent a text to a relative with all information regarding a debt.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Early Warning Services, LLC (NY)

sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX ) to seek their assistance in resolving this issue. 

Please find below my reasons for dispute : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (AL)

To CFPB I am filing a formal complaint against Resurgent Capital ( LVNV Funding LLC ) and XXXX XXXX  for their repeated failure to provide a copy of the original contract bearing my signature, despite multiple requests. As a consumer, I am entitled to receive verification of any debt they claim I owe, including a signed contract or agreement. 

I initially requested this documentation on XX/XX/year> XX/XX/year> and verbally on XX/XX/year>, both in writing and through verbal communication. However, to date, I have not received any response that includes the requested contract. This lack of transparency prevents me from verifying the validity of the alleged debt, which is my right under the Fair Debt Collection Practices Act ( FDCPA ). 

Their refusal to comply with my requests has caused significant financial and personal harm, including losing out on great employment opportunity and lowered credit scores and inability to secure credit. This has also taken an emotional toll, causing undue stress and hardship. 

Given the financial and personal harm caused, I am pursuing legal action against Resurgent Capital and XXXX XXXX  for monetary damages if this issue is not resolved promptly. I request the Consumer Financial Protection Bureaus assistance in ensuring that Resurgent Capital and XXXX XXXX  provide the original signed agreement or immediately cease their collection efforts until such documentation is produced. 

Thank you for your attention to this matter
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Early Warning Services, LLC (MA)

In accordance with XXXX XXXX, which stipulates that all contracts entered into by myself with a buyer must be supported by proof of debt and a copy of the contract, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Furthermore, both the Federal Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) reinforce the necessity for strict adherence to these conditions. 
Inquiries that I have not authorized also have affected my credit standing XXXX  XX/XX/year> XXXX  XXXX XX/XX/year> XXXX  XX/XX/year> XXXX XX/XX/year> XXXX XXXX  XXXX XX/XX/year>
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (FL)

I believe that I am entitled to relief, for each XXXX ( XXXX XXXX XXXX ), minimum of { {$1000.00} } per violation and because their action caused adverse action as it pertains to employment and my way of life, I am punitive damages due to gross negligence. I have spoken to a number of Executive Office Case Specialists. This is also Breach of their privacy policy as the incorrect information was reported to XXXX XXXX XXXX XXXX XXXX ) consumer reporting agency and caused adverse effects. I would also like to file a complaint to EWS ( Early Warning Services ) for reporting incorrect information within my public profile. I have attached both adverse effect letters from the creditor. I ask that the CFPB XXXX a substantial fine against XXXX XXXX XXXX XXXX XXXX ) for having violated my rights- In accordance with the Fair Credit Reporting Act, have violated my rights. 15USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

Penalties : Under the FCRA, there are potential penalties for violations, which can include : Actual Damages : Compensation for any actual damages suffered due to the unauthorized reporting. 

Statutory Damages : Under the FCRA, I may be entitled to statutory damages ranging from {$1000.00} for each unauthorized reporting instance.

Punitive Damages : If it is determined that the violation was willful, I may seek punitive damages, which are intended to deter such conduct in the future. 

I have attached all of the information that you all have been providing and this has caused loss of job opportunities and banking relationships due to your company 's negligence.