davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-26
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (TX)

I had purchased a prepaid giftcard at XXXX at XX/XX/year> with a XXXX $ balance on the card. When I attempted to activate the card on the card company 's website named " XXXX '', I was unable to activate the card. I attempted to call customer support which I was told my card was flagged for fraud even though it has been HOURS since I have purchased the card. The company requested that fax information such as my driver 's license, a photo of the front and back of the card, a picture of my receipt and a phone number for callback. I've done as they said, to which I have not received any from of follow-up regarding my purchase in MONTHS. I hope to have this issue resolved
Consumer complaint received 2024-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (IL)

I bank with Huntington bank with my business and personal account. Huntington froze both my business account and personal account because a check that was deposited into my account XXXX  months prior. The bank that issued the check put a false claim and because Huntington never asked for proof of it being a legit claim they froze my account without having proof which they did not protect me as a consumer and violated my consumer rights. I have legit proof that the check that was deposited was a legit check and Huntington refuse to release the hold from both of my accounts. The check was in my name so there was no reason why it should have been a hold place on account
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

There was a billing error on SELECT PORTFOLIO SER Opened : XXXX XXXX, XXXX  Balance : {$600000.00} which caused an incorrect late payment report. I had already paid the bill, but the payment was not correctly applied due to a processing error. I have never been late on this account.
Consumer complaint received 2024-07-30
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Fay Servicing, LLC (WV)

They gave me the runaround, provided me with false information and neglected to give is information. Did not make notes in the account that we didn't want a short sale etc
Consumer complaint received 2023-11-06
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Maximus Federal Services, Inc. (GA)

I requested a master promissory note from the student loan servicer, AIDVANTAGE. I requested this promissory note in order to prove that I owe this alleged debt. I was told that they were just the servicer but, I could go to " XXXX '', to receive it. I then called the department of education and was told that they had it on file and that they would send it out to me. It has now been over a month and I still have not receive the promissory note. I went to XXXX and signed on to see if it was on file but, received a message saying that they didn't have it in their system. I do not own this alleged debt so this is a violation of 15 USC 1681 by not insuring that all information being reported is correct and accurate.
Consumer complaint received 2024-07-21
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: SOFI TECHNOLOGIES, INC. (TN)

On Sunday XXXX the bank SOFI sent me a email request about a payment so I called them on Sunday, since they sent me an email on Sunday, my first question to them was why did you send something over the weekend that can be dealt with on Monday Tuesday Wednesday Thursday or Friday the answer that was given was a computer did come and I told the person on the phone the computer does what a person tells it to do. My complaint is not that you send something through email come is this that you sent some through email on a Sunday and email told me not to reply back to it and I requested to get the written ethics behind that from their company. I had a problem on the phone with two people in explaining to me why they did what they did that first person and I want the person 's license number it's XXXX And the second person 's license number I won't so they both can be reprimanded is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Either reprimand those two people Or do not send me anything over the weekend and you can tell that in whatever language you want to to that XXXX computer.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I have submitted more disputes than I could count on one hand with Experian credit bureau over the past two months regarding incorrect reporting on my credit report from a company named XXXX XXXX. Experian is clearly not looking at the documents I'm sending them that prove that XXXX XXXX is falsely reporting on my credit report. I sent EXPERIAN payment history from XXXX XXXX themselves that shows they have been paid on time, transaction history from XXXX XXXX that shows XXXX XXXX has and is getting paid on time, and copies of my credit report from all three credit bureaus that clearly show that XXXX XXXX has reporting issues. For example, they're reporting to XXXX credit bureau that I've been late paying them for one month, and to the EXPERIAN and XXXX credit bureaus for six months. Experian really needs to take a hard look at what I'm sending as proof that XXXX XXXX is totally incompetent and falsely reporting on my credit report. Bottom line up front : XXXX XXXX has been getting paid on time every time via my XXXX XXXX card, set on automatic, and recurring payment with zero issues since they took over for the previous company, XXXX. You tell me how a payment can be late if it's set to automatic reoccurring payments. If someone would just get off their behind and call XXXX XXXX, this could all be resolved. Experian is simply passing what I have to say XXXX XXXX and they are simply replying that they are responding correctly, and that's not correct. Experian needs to verify that this is correct and not just accept what they have to say. All I'm asking for is that Experian take the time to look at my documents, and they will see that XXXXXXXX XXXX is wrong. Please call XXXX XXXX to verify that the payment was setup for reoccurring and automatic payment ; therefore, the payment was and has never been late. If the payment was ever late, it was because XXXX XXXX didn't do their job and initiate the payment on time. Please clear this inaccurate and false reporting from my credit report. This is not okay.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SANTANDER HOLDINGS USA, INC. (PA)

I am writing with utmost urgency to report that I have become a victim of identity theft and urgently need your assistance in addressing this distressing situation. I am deeply concerned about potential inaccuracies in my credit report and it is crucial that credit reporting laws are upheld. 
SANTANDER CONSUMER USA Opened : XXXX XXXX, 2015 Balance : {$0.00}
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

This was not sent in error, I am a consumer by law and my information was misused. 
per 16 CFR 313.7 l opted out of all authorization from the company and they have failed to grant my request as a federally protected consumer. Now I am suffering from having inaccurate information reporting on my credit report.
Consumer complaint received 2024-07-21
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Mr. Cooper Group Inc. (PA)

XX/XX/XXXX I was alerted to a change in my credit report. When seeing the report it was for my ex husband 's mortgage that is solely in his name. He assumed the mortgage in XX/XX/XXXX when we divorced. I provided the assumption paperwork via email, fax and postal mail and have been calling weekly to biweekly to them with no resolution to the problem. I also contacted original mortgage company who no longer has any record of that account. They suggested filing a complaint with ex husband 's current mortgage company. I filed a report last week and was supposed to have a follow up return call within 1-2 business days and never received one. I have been calling and checking the status once to twice a week since submitting all of my documents to them back in XXXX with absolutely no resolution or explanations of why this is taking so long to handle.
Consumer complaint received 2024-07-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (MI)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Please delete the following accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-25
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: GOLDMAN SACHS BANK USA (PA)

On XX/XX/year> my AppleCard was used for something I did not authorize. I reached out to the company which I got no where with. I disputed the charges with AppleCard the same day. On XX/XX/year> I received an email stating my disputes were ruled against me. I reopened the disputes again on the same day, XX/XX/year> and sent in the email chain I had with the company I am disputing with. I received an email that two of my disputes were resolved in my favor. 

However on XX/XX/year> the others were ruled against me, for two separate reasons. First reason We reviewed available information which confirms that you authorized the purchase with the merchant. and We further investigated the dispute and reviewed any additional information that may have been provided. Based on our review, the original decision will remain because there is no evidence to substantiate the claim. 

These were all unauthorized charges on the same day, they dont even line up with my spending habits. I have been fighting this since XXXX. Only receive two disputes in my favor and two different reasons why the rest have been ruled against me. I have proved to them via communications with the company this simple wasnt me.
Consumer complaint received 2024-07-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (MA)

Dear XXXX XXXX XXXX; Citibank ; I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : 1. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter.

2. Legal basis for the collection of this debt.

3. Proof of your authorization to operate in [ State Name ].

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. Complete account history, inclusive of all collection-related charges.

I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions. 
Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection.

* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.
Consumer complaint received 2024-07-21
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC (MD)

Milestone credit card open XX/XX/year> ive never signed up for credit protection fee on any credit card I've ever had they been charging me {$3.00} XX/XX/year> need to refund that back to my account this account is closed still charging me late fees
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC (MS)

I checked my credit report because my score kept fluctuating and Jefferson capital put a debt I do not owe on my report. I havent done business with XXXX in over XXXX years because the cell towers at the time provided poor to no service in the rural areas, so I switched providers and notified the company way back then. I disputed the information with XXXX XXXX XXXX and jefferson Capital did not remove the information, which violates my fair credit reporting right. I am tired of this company always putting something on my report that. Causes my score to decrease when I pay my bills.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: MicroBilt / PRBC (formerly CL Verify) (NC)

microbuilt consumer report has inaccurate information about my address. Its showing various address for me on the reports and this is not correct. Am requestiing proof and statement where it shows that those address only except the one I am sending documents are my address if not provided I am demanding that this be updated to my correct and only address. There are screenshot of supporting documents showing my correct and only address that should be reporting on any reporting agencys
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

Experian is reporting fraudulent inquiries on my report and needs to be deleted now. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-11-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-06
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: EQUIFAX, INC. (NJ)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (OH)

Called cashapp customer line, XXXX, to get help on getting back {$100.00} sent to the wrong person. The representative I spoke with number came up on my phone log as XXXX. That is a CashApp customer number. I was on an XXXX minute call where he took control of my mobile phone using XXXX app. Keep in mind I thought this person who represented themselves as a CashApp employee and was going to help me. Instead during this call, {$990.00} was withdrawn from my XXXX checking account and deposited into a debit card ending in XXXX and bank name, XXXX XXXX XXXX, I noticed this unlawful withdrawal, I contacted my bank the next day XX/XX/year>. They stop the usage of my dept card, but the $ XXXX went through. I woke up to see that I had -a minus {$900.00} on my XXXX XXXX working with my bank, but I want to take this investigation even further. The was a scam by a CashApp employee and something should be done. I am a senior on a fixed income and do not have money for someone to just take it. I need I have copies of phone records and activity records from my Cashapp account if needed. 
I also found out from a online chat with Cashapp XXXX help that they saw that a payment on the date in question went to $ XXXX. Of course, I do not know that person. From reading prior complaints, I see this is not the first time this has happened with Cashapp..
Consumer complaint received 2024-07-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Bridgecrest Acceptance Corporation (AZ)

Iwas slate on a few payments back to back I told bridge crest that I would be able to pay the behind amount on the XXXX of XXXX ( I belive it was ) and when I had contacted them the XXXX they said the car had been written off and sold to monarch recovery, and there was nothing more the could do to help. I talked to several different departments and they got very rude with me when I informed them that I too was recording the call for quality assurance they immediately hung up and stopped taking my calls. Then months later actually it shows on my credit report that bridgecrest bought back the debt from monarch recovery then wrote off XXXX of the total saying that I still owe XXXX. According to XXXX  users laws and other laws in place from what I can gather it is illegal to sell off a consumers debt to another company especially out of state, and it is illegal to then buy it back and slap it back on the consumer. All of these events can be viewed via my credit report to testify to their accuracy.
Consumer complaint received 2024-07-30
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: The Bureaus, Inc. (FL)

THE BUREAUS and XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MS)

I am under a chapter XXXX and Experian is still showing balances on all of my accounts which has been the main reason Ive been denied for housing all of my account should be a XXXX balances