davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Enterprise Systems, Inc. (CA)

Identity Theft Report : On XX/XX/year>, I filed an identity theft report with the FTC, which identified the accounts in question ( tradelines XXXX  XXXX and XXXX ). 

Ongoing Collection and Reporting : Despite the identity theft report, these accounts were not promptly blocked or deleted from my consumer reports as required by the Fair Credit Reporting Act ( FCRA ). Instead, these entries remained on my consumer reports and I continued to receive collection attempts from multiple agencies, including XXXX XXXX, XXXX XXXX XXXX, NATIONAL ENTERPRISE SYSTEMS. These communications lack proper consent and are misleading and violate my rights under the FCRA and FDCPA. 

Violation of Privacy Rights : The unauthorized sharing of my personal information with third parties, including consumer reporting agencies, is a gross violation of my privacy rights. I did not authorize this, and any alleged consent is hereby revoked. 

False and Misleading Correspondence : The fact that I received correspondence from multiple agencies regarding the same alleged debt is both false and misleading, further exacerbating the damage to my credit profile and causing significant stress. 

Inaccurate reporting : The unauthorized reporting of this alleged debt on my consumer report is not only a violation of my privacy but also contains numerous inaccuracies that violate the FCRA. These inaccuracies, documented in the attached screenshots, are causing significant harm to my credit profile and financial well-being.
Consumer complaint received 2024-08-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (OR)

I am writing to formally address the collections account attributed to LVNV Funding, as serviced by Resurgent Capital Services ( hereinafter referred to as " RCS '' ), currently reflected on my credit report with an outstanding balance of {$590.00}. 
To date, I have initiated disputes regarding this alleged debt with the three principal credit reporting agenciesXXXX, XXXX, and XXXX the following dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. Despite these repeated disputes, and in an effort to resolve this matter amicably, I have extended a settlement offer to LVNV Funding. This offer was made notwithstanding my assertion that this debt does not belong to me. 
The presence of this account on my credit report for an extended period has caused significant and unjustified damage to my creditworthiness. Furthermore, I have formally requested that LVNV Funding/RCS provide validation of the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ). To date, they have failed to produce any such verification. 
Upon reviewing the credit reports from all three major bureaus, I have identified a total of sixteen ( 16 ) errors, including but not limited to discrepancies in the dates of delinquency, the amounts allegedly owed, and the reported status of disputes. These inconsistencies call into question the validity and accuracy of the information being reported, thereby further compounding the harm to my credit profile. 
I hereby demand immediate action to rectify these errors and a thorough investigation into the legitimacy of this debt as reported by LVNV Funding/RCS. Failure to resolve these issues in a timely and satisfactory manner will compel me to pursue all available legal remedies.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CREDIT ACCEPTANCE CORPORATION (GA)

Erase and DISCHARGE ALL INQUIRIES According to Congress Federal Law Fair Credit Report Act 15 USC 1681 A-N Definition Exclusions of Contract and Civil Liability for Willful Noncompliance erase and discharge the line of credit and transactions/experiences that show late payments, payment history, utilization, mixture of credit, length of credit history, new credit. These shall be excluded on consumer reports. 

You ( COMPANY ) will also need to show original agreement with signed wet ink signature. Since you can not furnish this information, please discharge/delete this negatively impacting report item. 

***Should you not close immediately, I will pursue civil litigation and sue for defamation, denial of credit opportunities, and denial of career opportunities.
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Upgrade, Inc. (CA)

Identity Theft Report : On XX/XX/year>, I filed an identity theft report with the FTC, which identified the accounts in question ( tradelines UPGRADE XXXX and XXXX ). 

Ongoing Collection and Reporting : Despite the identity theft report, these accounts were not promptly blocked or deleted from my consumer reports as required by the Fair Credit Reporting Act ( FCRA ). Instead, these entries remained on my consumer reports and I continued to receive collection attempts from multiple agencies, including UPGRADE INC, XXXX XXXX XXXX, XXXX XXXX XXXX. These communications lack proper consent and are misleading and violate my rights under the FCRA and FDCPA. 

Violation of Privacy Rights : The unauthorized sharing of my personal information with third parties, including consumer reporting agencies, is a gross violation of my privacy rights. I did not authorize this, and any alleged consent is hereby revoked. 

False and Misleading Correspondence : The fact that I received correspondence from multiple agencies regarding the same alleged debt is both false and misleading, further exacerbating the damage to my credit profile and causing significant stress. 

Inaccurate reporting : The unauthorized reporting of this alleged debt on my consumer report is not only a violation of my privacy but also contains numerous inaccuracies that violate the FCRA. These inaccuracies, documented in the attached screenshots, are causing significant harm to my credit profile and financial well-being.
Consumer complaint received 2022-07-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (KY)

Cash App has withheld {$600.00} in refunds to me since mid-XXXX, when they said money would be received. When I try to determine where that money now is, they obfuscate at every corner and give me no details as to where they are in the resolution process. Ive been disconnected several times, Ive been ignored, and in no way have they sought to resolve the issue or provide me with any detail.
Consumer complaint received 2024-08-21
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (VA)

I have a XXXX  credit card through synchrony bank. It hey notified me of the XXXX statement fee for not signing up for paperless statements. They offered to have me reject the change in terms however that would involve the account being closed. When asked how it would report either closed by consumer or closed by creditor, they replied with Im not in credit I dont know that answer. I asked for an escalation and was transferred back into the hold queue.
Consumer complaint received 2024-08-16
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: Shellpoint Partners, LLC (CA)

I have been paying my mortgage since 1999, for some reason since Shellpoint Mortgage Servicing Company took over my mortgage loan, my payment history has not been reported to consumer reporting agencies. This matter has been effecting my credit worthiness, I am not able to qualify for best interest rates of a new home mortgage financing, due to this error. Want to mention, that finisher has to provided, maximum possible accuracy to consumers credit report, written by Fear Credit Reporting Act. Please fix this error ASAP. Thank you.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

I am not liable for this debt with XXXX XXXX XXXX, I do not have a contract with XXXX XXXX XXXX, they did not provide me with the original contract as i requested. I request a copy of the contract with my signature. In requesting documentation none was provided. This matter is due to identity theft this should be removed from my credit report. Police report number XXXX.
Consumer complaint received 2024-08-16
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: TD BANK US HOLDING COMPANY (MD)

I filed a dispute for item not received from the merchant XXXX XXXX. XXXX XXXX has not been working with me and scammed me by not sending the item or to the correct address as agreed and discussed. Filing the dispute with my credit card company they were supposed to assist and help me get my refund as its the merchant did not follow FTC laws. Or supply any documentation that backed their claim/ reason/ emotive for not sending refund. As the information merchant did supply it did show they did not deliver the product to the correct address as agreed. Then stated the consumer was the one lying when this was not the case. My credit card company saw this and did nothing only to send them a form to say that they would accept liability and as the merchant trying to scan they did not XXXX is not upholding their duties as for dispute knowing that I still have to pay them and responsible for the funds when that is not the case in all documentation Shown by both the consumer and documentation by the merchant shows that I am not responsible. The credit card company refuses to acknowledge this or do their duties as a payment processor. The merchant even said they were issued me a refund and did not and my payment processor/credit card did nothing and continues to tell me they can do nothing when I know that its not the case.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : - XXXXXXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX XXXX Balance : {$4000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX & XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2024-08-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

Hello and thank you for receiving my concern. 

My servicer, Mohela, currently lists my account as delinquent, even though I have autopay in place. Mohela transferred my account to their new XXXX XXXX XXXX, effective XX/XX/XXXX and this appears to be why there are now autopay issues creating inaccurate delinquency. I spoke with the Supervisor team, on XX/XX/XXXX, who advised me that the account should not be delinquent, and sent a request for their accounting team to review and update my account. Today, I am still receiving delinquency notices. I spoke again with a supervisor today and she acknowledged the account should not be delinquent and that my autopay includes all loans, so there should not be any missing payments, however the accounting team who received the previous request for review on XX/XX/XXXX still has not responded. I am concerned because this may get reported to a credit bureau, and I can not get the servicer to fix their autopay or accounting to ensure my loans are being paid correctly. Anything you can do to help me would be greatly appreciated. 

Thank you for your time.
Consumer complaint received 2024-08-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Optio Solutions, LLC (SC)

This company is reporting fraudulent inaccurate information on my credit report. have requested that they provide the purchase agreement to show full ownership of such account and also other documents so l can review to see if this is actually an account that belongs to me.
Consumer complaint received 2024-08-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (OR)

I am writing to formally address a matter concerning a collections account reported by LVNV Funding/Resurgent Capital Services ( hereinafter referred to as " RCS '' ) appearing on my credit report with a purported balance of {$240.00}. I have undertaken due diligence in disputing this debt with the three major credit reporting agenciesXXXX, XXXX, and XXXX the following dates : XX/XX/year> ; XX/XX/year> ; XX/XX/year> ; and XX/XX/year>. 
Despite these efforts, RCS has persistently failed to provide adequate verification of the debt in question. In a further attempt to resolve this matter amicably, I submitted a written offer to settle the alleged debt with LVNV Funding, notwithstanding the fact that I do not acknowledge ownership of this debt. The presence of this erroneous account on my credit report has been ongoing for several years, causing undue harm to my creditworthiness. 
Furthermore, I have identified numerous discrepancies across the reports from the three credit bureaus, totaling 32 distinct errors. These errors pertain to inaccuracies in reporting dates, amounts allegedly owed, the validity of the debt, and the status of the disputes I have initiated. The discrepancies and lack of proper debt validation by RCS necessitate immediate corrective action to prevent further damage to my credit profile. 
I hereby request immediate rectification of this matter and the removal of the erroneous collections account from my credit reports. Should this issue not be resolved promptly, I will consider all available legal remedies to protect my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-08-09
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: Block, Inc. (NY)

Refund from taxes, back pay child tax credit, and back pay stimulus funds was deposited in my cash app account, where as my card was stolen, my phone number and email address was unlinked from the account, even my PIN number was changed without my permission. I tried requesting a new card and access to my account, cash app denying me access and wont explain whats going on due to security reasons. Im not sure if its because of the amount that was deposited.
Consumer complaint received 2022-08-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (TX)

I have repeatedly reached out to cash app in regards to my account. I informed them of several fraudulent charges that occurred on my account within a week when I was in and out the XXXX. They credited my back a portion of my claims but refused to reverse 4 charges. I asked for a detailed explanation into their investigation into these fraudulent charges and all they did was supply me with a one page paper showing the charges. I am fully aware the charges were made but they did not complete any type of investigation and just denied my claim. I am just requesting my additional missing money because I was victimized and lost my money due to fraud or a scam. They have since replaced my card but still have not returned my missing funds. They refuse to acknowledge my messages or provide me with actual proof that these charges were made my me and are not fraud. I just want my missing money back. my cash app name is XXXX. I am just asking them to either do their job or return my missing funds.
Consumer complaint received 2024-08-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (TX)

I made an ACH transfer into my account from an outside account using the Citi app. Both accounts are mine. I did the deposit on XX/XX/24 and was told by an agent that my money would be available no later than XXXX XXXX  XXXX the next day. LIES! Its now XX/XX/24 and my account has since been suspended due to suspected fraud. They were able to fully verify my account by asking everything rom my name, ssn, dob, account #, debit card #, and a bunch of other questions. My number on til was an old number and I only used my email to XXXX myself. They have accused me of fraud and its not fraud! Ive spoken with about XXXX or so agents which have hung up on me, transferred me and hung up before anyone picked up, and have argued me down saying that they know I still have access to an old number. The last supervisor I spoke with was refusing to help, over talked me, and hung up when I tried explaining this is not fraud and this is the refund disbursement from school for books and housing. They kept saying they sent a letter yesterday and I told them I no longer lived at that specific address and they refused to update or take any information. Eventually I called corporate and spoke with someone in the executive resolutions unit. Gave him the whole run down of being on the phone from XXXX XXXX XXXX XXXX and what was going on. He told me I would receive an email about a case he is opening on my account. I still havent gotten an email or a phone call from the next department. 
Called back the following day to speak with someone and she verified the account by calling me and told me she was going to unblock my account. Put me on hold and said that she cant do it. I asked for a sup and he said that the policy changed since I spoke to the woman I had just spoke to.
Consumer complaint received 2024-08-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC. (PA)

Complaint against Robinhood Financial LLC : XXXX. On XX/XX/XXXX, while visiting my birth country XXXX as a naturalized XXXX citizen, Robinhood abruptly locked my account. 

XXXX. Since returning to the XXXX, I've been unable to resolve this issue : - No response to detailed inquiries - Unable to speak with a live customer service agent - Phone support is unresponsive - No online chat option for login issues XXXX. Key concerns : - Robinhood lacks adequate customer service channels for urgent account issues - No clear guidelines provided for resolving travel-related account locks - Account restriction appears arbitrary, as XXXX financial transactions with XXXX are not prohibited ( XXXX function normally ) XXXX As a naturalized citizen with family ties, occasional travel to XXXX is unavoidable XXXX XXXX Requests for investigation : - Robinhood 's inadequate customer service infrastructure - Justification for XXXXspecific account restrictions - Lack of clear procedures for resolving travel-related account issues I urge CFPB to address these concerns and ensure Robinhood lets me access my account move/withdraw funds and implements appropriate customer service measures for travel-related account problems. 

History from the most recent event to the oldest : XX/XX/XXXX Case Number : XXXX from XX/XX/XXXX latest - No follow up XX/XX/XXXX Case Number : XXXX - Notification that this issue was passed to a XXXX XXXXXXXX/ XXXX XX/XX/XXXX Case Number : XXXX - Response that issue was forward to another department/ XXXX XX/XX/XXXX Case Number : XXXX - Response that issue was forward to another department/XXXX XX/XX/XXXX : Email notification account is locked/I responded to it confirming it was me.
Consumer complaint received 2024-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (NY)

TD bank gave me approximately a week warning to that they were closing my account. I went to the bank on XX/XX/year>, the day they planned on closing the account and requested my balance in check form. They said they could not provide the balance and instructed that I wait for them to mail me my check. It has been a week already and I have not received my money.