davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (FL)

On XXXX XXXX my phone was stolen by an individual. My Chime bank account was accessed through my phone and my pin number was changed because the individual had access to my email as well. I notified my bank on XX/XX/XXXX and I was able to change my email and access my account, that's where I realized the individual transfer nearly {$1000.00} to themselves. I sent the bank countless of evidence showing that my phone was stolen and that I was not responsible for the transactions. Once I had access to my email, I sent screenshots of the time the individual changed the pin number, how they opened up mobile pay account, etc. I even filed a police report. But 3 times my claims was denied. Whenever I request some type of paper work asking what was done to come to the conclusion of denying my claim, I get nothing.
Consumer complaint received 2024-10-25
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (TX)

From my Knowledge the debt I owe is because the apartment complex had a choice if the students wanted to get furniture in there apartment and I HAD MY OWN FURNITURE and I DID NOT have any of the there furniture! I lived in that apartment with 3 other roommates and they were all very sketchy and it was a student housing property
Consumer complaint received 2023-07-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc (OH)

I recently checked my credit report to find a fraud collection account reported for {$110.00}, opened XX/XX/, with the original creditor as XXXX XXXX, from Bull City Financial Solutions , Inc., XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NC XXXX, phone number XXXX. I called this company and a man by the name of XXXX answered. He stated, after asking me for the last 4 of my SS # and birthday and name, that he has no account listed for me. I then called XXXX XXXX, they stated they have no account ever listed under my name or personal info either. I called Bull City back a second time. The same man, XXXX answered. I proceeded to ask him for documentation to be emailed or mailed to my home stating, on letter head, that he or the company has no information or an account for me. He refused to do so then proceeded to ask me for my husbands birthday, name and last 4 of his SS #. I hung up on him. I called the same company back a third time to see if someone different would answer to verify my suspicion that this man is scamming me and others. XXXX answered again, I hung up. I have called XXXX XXXX for a second time and they are sending me, via email, an affidavit to fill out and stated once that is completed to file a police report. I have also called all 3 credit agencies to file a fraud claim and dispute this collection attempt. I have researched Bull City Financial Solutions , Inc. on XXXX and there are many complaints for this man/company trying to get money from innocent people by filing a collection report on their credit report. This man/company is scamming people out money for his own benefit. This is theft.
Consumer complaint received 2024-10-25
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: GOLDMAN SACHS BANK USA (MA)

In 2022 Goldman Sachs/Apple Card incorrectly applied fee and interest after card was paid off. Never sent a statement then reported negative reporting of past due in the amount of XXXX dollars, showing 30, 60, 90 days past due. I had no idea until my credit was ran for mortgage. Goldman Sachs/Apple Card removed charges they charged incorrectly and interest but never removed it from my credit report. It was too late in the mortgage process and would have lost my {$41000.00} down payment for deposit and purchase and sale. I tried to dispute with Goldman Sachs/Apple Card via numerous telephone calls emails and letters. Ultimately I had to pay {$11000.00} additional to buy points for mortgage because of my credit score. This still shows as a negative impact on my credit and when purchasing another property last year had to pay an additional XXXX in points again all because Goldman Sachs/Apple Card failed to removed this from my credit report after repeated requests for investigation. They proved there were wrong by removing the XXXX from my bill but did not follow through on removing from credit report, which has cost thousands since 2022! I am inquiring to see if I could benefit from hiring an attorney.
Consumer complaint received 2024-10-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc. (NC)

Cash app closed my account for something I did not do. They will not provided proof to me On why they closed my account. They keep sending me emails not explaining anything. I appealed the process and answered all the question and they still wont tell me what type of gambling or lottery I did, because I didnt. I have proof of every transaction I have ever sent or received on what was done with it
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC. (CA)

To whom it may concern Im filing this claim to get this account with Exeter Finance LLC removed from my credit report due to the fact that the account has been open for over XXXX years now, I have supporting documents that will show the account was open XX/XX/year>, and per the ( FCRA ) credit reporting agencies should have removed this account from my credit report. Once again this account is with Exeter Finance LLC. And my account number with them is XXXX. Thank you for your time and I appreciate if this is done as soon as possible.
Consumer complaint received 2024-11-01
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (IA)

I disputed a debt allegedly owed to XXXX with Transworld Systems , Inc. ( a debt collector ) on XX/XX/year>, by completing the form attached to the debt validation notice and mailed it back to Transworld Systems Inc. promptly the same day. At that time, the debt was purportedly {$330.00}.

Prior to disputing the debt with Transworld Systems , Inc., I repeatedly wrote and spoke with XXXX disputing the debt and requested documentation and an itemized statement evidencing that I agreed to the debt. XXXX did not respond and instead, sent the debt to Transworld Systems , Inc. , WITHOUT NOTIFYING Transworld Systems , Inc. that the debt was disputed. 

Today, I received a call from yet another debt collection company called XXXX and the debt collector said I owe {$700.00} to XXXX. I explained that I have repeatedly disputed the debt as it is not mine. Apparently, Transworld Systems , Inc. sold or placed the date with another debt collection company, XXXX, without notifying XXXX that I dispute and the debt and it is not mine. The debt collector also said I had to go to XXXX 's website to dispute the debt. My understanding is that if I disputed the debt in writing to XXXX and disputed the debt in writing with Transworld Systems , Inc. , there isn't a requirement that I go to yet another debt collector 's website to dispute the debt again.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: DISCOVER BANK (FL)

Received a letter in the mail from Discover Student Loans- Which has a perfect payment record- Discover sold all student loans to Olympic SLT and is now being serviced by XXXX XXXX . I did not authorize this. All the interest Discover has made on the student loan account and to up and sell it without details to the customer is nonsense. 

I did not authorize a sale of the student loan with discover.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (CA)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items. 

Collection/Charge Off XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX Late XXXX XXXX Account Number XXXX XXXX Personal Information : Former : XXXX XXXX Name : XXXX XXXX XXXX : XXXX XXXX
Consumer complaint received 2024-10-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NY)

XXXX XX/XX/year> Paypal took my money worth {$460.00} USD Transaction ID XXXX They made a mistake wrong identity because of similar name on me i dont do business im only using my paypal account as personal hope help me to get back my money as soon as possible because thats for my mothers medication they are not responding on my message and in my lawyers email help me to fix this thank you
Consumer complaint received 2024-10-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Block, Inc. (CA)

My mailing address is where my mom lives. And she called me because I got a cashapp debit card via XXXXXXXX XXXX and VISA. I don't have an account for cashapp. I never consented to open a bank account with Cashapp and have a debit card. I suspect that they somehow get a hold of my address, name, and social security number to open this account. I called VISA to try to deactivate the account, but VISA said they do not have access to the account. I called at XXXX XXXX on XX/XX/year> XXXX. XXXXXXXX XXXX is not available to pick up my call.
Consumer complaint received 2024-11-01
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (NY)

I mailed Transworld Systems INC on XX/XX/year> and they have not responded to my letter. My issue is I never received any information from them about this and it just appeared on my credit agency reports of XXXX XXXX and XXXX. I sent them mail for verification that they have the right to put this on my credit agency report and they ignored my letter. I am attaching that same letter here for their review.
Consumer complaint received 2024-11-01
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION (CA)

Sallie Mae is harassing me about making payments of {$440.00} a month starting next month. I have called them numerous times, letting them know I am taking a bar prep course. That is XXXX XXXX hours a day. I taking the bar exam in XX/XX/year>. I have learning XXXX that requires that I have accommodations. Unless, I pass their exam I cant get a job to start paying them back. 
This last year I have been batting XXXX XXXX and was homeless for the last XXXX months because my landlord sold the house that we lived in for the last XXXX  years. 

I have submitted documentation to Sallie Mae confirming the information that is stated above.
Consumer complaint received 2024-10-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC. (TX)

Recently I found out the 1099 forms I was filing from robinhood llc on my taxes had my correct name but the wrong social and I asked the company to revise my 1099 form so that I could ammend my tax returns and put the corrected 1099. Instead they elected to close my account and havent returned my funds. I provided all documents to them I including driver license, selfie, social security card and my bank statement. Theyre closing my account and withholding my funds without giving me any reasoning. I have deposited over XXXX into the robin hood brokerage and theyre holding my money hostage
Consumer complaint received 2024-11-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Arcon Credit Solutions LLC (DE)

I am writing to formally request validation of a debt referenced as associated with a XXXX XXXX account ending in XXXX. I am requesting that Acron Credit Solutions LLC provide me with the following documentation in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA1. Purchase Agreement : Please provide a copy of the original purchase agreement that outlines the terms of the debt, including any signatures from me.

2. Debt Validation : I request validation of the debt to ensure its legitimacy. This includes a detailed breakdown of the amount owed, any associated fees, and the date of the last payment.

3. Original Creditor Information : Please provide information regarding the original creditor, including their name, contact information, and any documentation that supports the debt 's validity. 
4. Wet Ink Signature : I request any and all information that contains my wet ink signature stating that I owe Acron Credit Solutions LLC or XXXX XXXX. 
This request is made under the provisions of 15 U.S.C. 1692 ( g ), which states that a debt collector must cease collection of a debt until they provide the requested validation. Additionally, under 15 U.S.C. 1681c-2, I am entitled to dispute any information that is not verified and accurate.

Please be advised that if I do not receive the requested information within 30 days from the date of this letter, I will consider the debt invalid and expect all collection efforts to cease immediately.
Consumer complaint received 2024-11-01
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings (AZ)

Formal complaint Against ( IQ DATA INTERNATIONAL ) for violations of 12 CFR 1006 Dear CFPB, I am writing to file a formal complaint against ( IQ DATA INTERNAL ) for violation of multiple provisions of 12 CFR Part 1006, also known as Regulation F, which governs the practices of debt collectors. I believe the collection agency has engaged in actions that infringe upon my consumer rights, and I request your assistance in addressing these violations.

IQ DATA INTERNAL failed to supply the demanded proof of the alleged debt, I want to note that under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I can presume that no proof of the alleged debt, nor therefore any such debt exist. 

IQ DATA INTERNAL has failed to provide the required validation information after attempting to collect a debt under 12 CFR 1006.34 ( b ) ( 5 ) : they are to supply clear, complete, and accurate validation of debt I have not received any such information.

The collection agency has no authority to furnish any account to a consumer reporting agency without providing all disclosures required and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ).

Additionally, the collection agency appears to violate 12 CFR 1006.18 by engaging in false, misleading, and deceptive practices. They have placed this collection account on my consumer report despite their failure to provide me with accurate and lawful validation of the debt, specifically the alleged contract or the other instrument bearing my signature. This conduct and misrepresentations have created unnecessary harm to my credit profile.
Consumer complaint received 2024-10-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AK)

I have a XXXX  card with USAA. I had a charge on XX/XX/year>XXXX  for {$350.00} to my card that was not mine. I filed fraud and USAA reserved the charge and sent me a new card. A month later, they unreserved the charge AND allowed it to be charge to my account a 2nd time and they are now claiming I owe {$700.00} for something I did not purchase, authorize or receive. I have called every day for the last week and talked to 5 different people. Today I was told there are no mangers or phone number to the actual FRAUD dept. The only thing they could do for me was to make notes to my account and ask the Fraud Dept. to contact me. I have heard NOTHING. I have not gotten a letter in the mail, phone call, email, message to my USAA inbox, NOTHING. I found an article that says a lot of USAA customers have had this issue with them and it has cost customers hundreds of thousands of dollar. Another article says there are over XXXX complaints to the XXXX XXXX XXXX and a dedicated XXXX page of over XXXX former customers who have been fraud victims that USAA has done nothing about. Apparently this is their MO. Allow for fraud to happen to their customers and then try to cash in on the innocent by charging them. I did NOT make these purchase and REFUSE to pay {$700.00} for something that IS NOT MINE! I want someone to actually DO something about this, not just say they will " send the Fraud Dept a message '', only to never hear back! 

Not only did they reserve the fraud charge, but they allowed for it to be charge a SECOND time, so I have two charges for the SAME THING and NEITHER are MINE!!!!!!
Consumer complaint received 2024-10-25
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC. (NY)

Chrysler Capital. 
Account # XXXX. 
Date of missing payment in question XXXXXXXX XXXX XXXX 
I have proof it was paid, sent them a fax they said they could not read it.
Consumer complaint received 2024-10-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: STATE EMPLOYEES CREDIT UNION (NC)

I am filing this complaint against the North Carolina State Employees ' Credit Union ( NCSECU ) regarding their failure to respond to my formal written dispute and subsequent Notice of Default related to my auto loan, which originated in XX/XX/XXXX. 

The original loan amount was {$21000.00}, and I have made payments totaling {$5900.00} toward the loan thus far. As of XX/XX/XXXX, the current balance remaining on the loan is {$16000.00}. 

On XX/XX/XXXX, I sent a certified letter to NCSECU disputing the terms of my loan under account number [ Insert Account Number ], in which I outlined specific concerns about the handling of my promissory note and requested documentation, including a copy of the original note and the title to my vehicle. I also raised concerns that the debt had been improperly handled and that NCSECU had failed to follow the legal obligations required under the Uniform Commercial Code ( UCC ) and Truth in Lending Act ( TILA ). 

Despite receiving confirmation that NCSECU received my initial dispute letter, they failed to respond. As a result, I sent a Notice of Default at the end of XXXX, again via certified mail, informing them of their default and reiterating my demand for a response. This letter also requested the return of all payments I made toward the loan, given that the promissory note should have satisfied the debt in full. To date, NCSECU has not responded to either letter, nor have they provided the requested documentation or acknowledged the dispute. 

NCSECUs lack of response constitutes a breach of their legal obligations under UCC 3-305 ( Defenses and Recoupment ) and UCC 3-501 ( Presentation and Handling of the Promissory Note ). Furthermore, their failure to respond violates my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ) ), which prohibits further collection activities once a debt is in dispute, and 15 U.S.C. 1692e, which prohibits misrepresentation of the status of the debt. NCSECU continues to act as if no dispute has been filed, and no resolution has been provided.
Consumer complaint received 2023-07-06
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. (NY)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX. Please repair and update immediately.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC (VA)

XXXX called and told be about an account I was unaware of so I pulled my credit report and notices the following inaccuracies on my report. 
Creditor Name : XXXX Account Number : XXXX Dispute Reason : Account not mine Creditor Name : XXXX XXXX. Balance : {$640.00} Dispute Reason : Account not mines Creditor Name : XXXX XXXX XXXX Balance : {$4300.00}. 
Dispute Reason : account not mine Creditor Name : XXXX XXXX  Account Number : {$19000.00} Dispute Reason : Account not mie
Consumer complaint received 2024-10-25
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 (IL)

My complaint is with Goldman Sachs in regard with Apple Card dispute. Upon receiving the item from XXXX- the wallet didnt meet my expectations and I could NOT find the address or customer service number online. Happened in XXXX of 2023 and I called the credit card company thru XXXX XXXX XXXX Goldman Sachs refused to provide me the address of the company or contact information because I need to return the item ASAP. That has been dragging on for over 2 years. Goldman Sachs gave me the address, after the time passed of 40 days has passed. Goldman Sachs blame me for the transaction and they wont honor the {$89.00} refund. Why am I to be blamed when I returned after 40 days has passed when the credit card company initially refused to give me the contact information within 2 days? Why did it take them so long to provide me a credit? I feel used because I am handicap.

Thanks for reading this.. Im also XXXX  and email is the best way to get in touch with me