davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (NV)

Around XXXX or XXXX I was first contacted by phone by Phoenix Financial Services, LLC for a debt related to XXXX XXXX XXXX ambulance services for a date of service of XX/XX/XXXX. The responsible party for the debt has the same date of birth and same last name as I do. We have the same first name but with different spellings and different middle names, and we live in different cities in the same state. I contacted Phoenix Financial Services by phone and advised them that I was not the responsible party and had no connection to the responsible party. They reviewed their account and confirmed that the information on file did not match my personal identifying information and promised to send me written documentation that I was not responsible. They never did. On XX/XX/XXXX, I received a letter from Phoenix Financial, again trying to collect for the same debt. I also received phone calls about that debt at the same time. Again, I contacted them via phone, confirmed that my name, address, and SSN do not match the responsible party, told them to stop contacting me and that I considered their repeated attempts to collect the debt from me to be harassment, and to send me written documentation that they will cease contacting me as I am not the responsible party. They did not send such documentation. On XX/XX/XXXX, Phoenix Financial sent another collection notice for this same debt to my address, with my name spelled correctly on the address line but clearly different from the name on the account that was also included on the letter. On XX/XX/XXXX or XXXX my husband received a call from Phoenix Financial requesting to talk to me about the debt. They have confirmed repeatedly that I am not the responsible party, and yet they continue to harass me and now my family members over a debt that is very easily proven to not be my responsibility.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2024-08-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

My partner and I pay bills out of my Bank of America account. I contacted them asking if they could add him to the account and deposit his check into the account for bills. They said they would my boyfriend then deposited the check into the atm. Bank of America called me letting me know fraudulent activity had taken place on my account. I went to the bank and realized they were just talking about my boyfriend depositing the check. So we cleared up the confusion and they told us to both bring in our ids so they could remove the fraud alert from my account. We went to the branch in person showed our ids and they removed the alert and cleared the check to deposit into my account. Two days later on XXXX XXXX  they closed my account and held my money. I went back to the bank asked them what the problem was they said it was a bad deposit. I asked them why they made us bring our ids just to close the account anyways they had no response for me. Two months go by they finally send a check to my house will all my money except for the money from the check. In XX/XX/2024 They tell me we need to show proof the check was legit. So we go back to the bank with all the paperwork. We sit at the bank for XXXX hours while they scan all the paperwork and make us sit on the phone with the bank associate and the fraud department. They scan all the paperwork in and say were good to go at the branch located at XXXX XXXX XXXX XXXX XXXX, GA. Its now XXXX in the beginning of the month I called to check on the release of the funds they said they released it back to the issuer of the check and I needed to contact them. Today XXXX XXXX they are saying they never received the scanned documents in XXXX when the bank teller sat on the phone with the fraud department and sent them all in. Now they are saying we have to go back to the bank and start the process all over again. They have been holding the money for over a year, every time I talk to someone they tell me different information or act like they dont have to tell me anything because the funds have been placed in their back office! This has been ongoing causing me to be late on paying bills and the closed account shows on my XXXX XXXX causing me even more financial hardship.
Consumer complaint received 2024-08-21
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (UT)

On XX/XX/year>, I contacted the Debt Collector to verify the debt and they said they have a general document that says they have my name and the debt I owe. I sent them letters on XX/XX/year> and XX/XX/year>, demanding them to provide verifiable proof of the debt with the general document and proof with my wet signature. They replied via email on XX/XX/year> sending me the general document but nothing that had my wet signature. This is not my debt and the Debt Collector has not been able to verify my signature. I also disputed on XX/XX/year> with XXXX, XXXX and XXXX and they all said the same thing and will not remove this debt and account. None of the bureaus or the debt collector can actually verify with my wet signature. 

Due to the fact that the XXXX Collector, XXXX, XXXX, and XXXX can not verify my debt, they will not remove the account. They are all reporting inaccurate and incomplete credit information. It is their responsibility to assure maximum accuracy in the credit reports, which they have not been doing. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

XXXX, XXXX and XXXX are not even reporting the correct names of the collection account because they are different on each report. On some credit reports the Account is under Genesis Credit Management LLC and other credit reports it is under Columbia Debt Recovery. All account numbers are different as well so nothing is matching up and making sense. Neither of those accounts Genesis or Columbia can verify my debt with verifiable proof and it has not been removed from my credit report.

The information being reported across all my credit reports in each bureau is entirely inaccurate and incomplete and represents a very serious error in their reporting. Please delete this misleading information and supply an update or corrected credit profile to all bureaus who have received a copy within the last XXXX months or the last XXXX years for employment purposes. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify, through the PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CONSUMER CONTRACT, any and all accounts that are posted on a credit report. This is why I am filing a complaint because neither the debt collector or the 3 bureaus have done their due diligence to verify as stated above.
Consumer complaint received 2024-08-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (TX)

I am writing to bring attention to a concerning matter regarding my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I have serious doubts about the accuracy of the debt being claimed. 

As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2024-08-18
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: CREDIT ACCEPTANCE CORPORATION ()

There are hard inquiries and new accounts in my credit report that I do not recognize. I tried reaching out to the companies involved but have not been able to connect with them. Kindly find details in the attached file. The names of the companies involved are : 1. Credit Acceptance 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 2024-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (CA)

I have open a Disput back on XX/XX/year> and report that my ATM card was losst i\ they made few charges and widraw out XXXX {$520.00} XXXX {$520.00} XXXX {$290.00} XXXX {$290.00} all this are XXXX made out of ATM XXXX {$500.00} XXXX {$420.00} XXXX {$92.00} XXXX {$560.00} XXXX {$100.00} XXXX {$61.00} XXXX {$480.00} XXXX {$130.00} all this charges where made whit myu card I have call and open disput on all the charges couple time f XXXX {$480.00}
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS (NC)

On XX/XX/year>, I contacted LexisNexis and requested to access my report. Instead of allowing me to access my account online, i received a email stating they would mail the information to me. On XX/XX/year>, I received a letter in the mail that contained XXXX useful information. Nothing requested was in the letter. Instead Lexisnexis provided a " XXXX time '' use URL along with a PIN number with instruction on how to access my report online. 

However, in the printed letter, the link i received is purple in XXXX, which indicates the link has already been clicked and used versus a blue link, which would indicate the link has not yet been accessed or used. At any rate, i log on to lexisnexis and attempt to access my account / credit report with the information provided, which gives an error that the pin number is not valid. 

For going on XXXX weeks now, i have been wrestling with this company to access my account. At every step of the way, they have done their best to stop me or discourage me from accessing my information. My wife who has also requested her information with lexisnexis is also having the same issues. The company stonewalls customers and does everything in their power to make it as hard as possible for customers to access their reports. 

So far, they have not provided me with any of the information below they are obligated to. I want access to my information. 

The company will provide XXXX free report every 12 months if you request it. 
The company will freeze your consumer report if you request it. 
Requesting copies of your own consumer reports does not hurt your credit scores. 
For companies required to provide the information in your report for free annually upon request, they must do so within XXXX days of receiving your request.
Consumer complaint received 2022-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (AZ)

Upon looking over my account Cash APP i discovered several transactions of large sums of money being transferred to several different people over a period of XXXX weeks. Currently i can not access ( XXXX ) my account show a balance from well over {$3000.00}. The acct was totally highjack leaving me penniless. 
I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was in the process of getting a place to stay as i am XXXX 
I can identify some of the people. They seem to be a group of people orchestrating massive fraud networking. I am also filing a police report as well. 
Your prompt responds to this matter urgent and i will certainly assist the XXXX, XXXX police depart. ONE THE MAIN CHARACTRE PLAYER GOES THE NAME XXXX XXXX ; I
Consumer complaint received 2022-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (NC)

Filed taxes on XXXX XXXX IRS sent Verify Identity letter XXXX, XXXX Finally able to get someone on phone to verify XX/XX/2022 When I verifief my identity I explained I have been a victim of identity theft and that I needed to change my information because i no longer had access to the account that my refund was being sent to. 
They let me change from a chaecking account to mailing me a paper check however when i went on the online portal to check the status of my refund it said it was going to be credited to my account on XXXX XXXX. 
I already told them I could no longer access that account but they sent it to that routing and account number. 
I have contacted Cashapp where it was sent to, uploaded all the documents they have asked for, started an investigation on my missing tax refund, spent 15 plus hours on the phone with cash app, just to be told over and over again that i needed to wait 3-5 more days to start an investigation, then that i needed to wait for them to respond to me only by email and have to wait day after day to be updated, just to be told every single time that im not verifying myself and that they cant help me with my claim. 
I have the account and routing number that the money was sent to. Even though i asked cash app to close that account, they did not. i have given them everything they have asked for and explained to them with the XXXX XXXX XXXX that i have and the identtity theft over the last two years that they are not trying to help me at all and using my XXXX to withhold and keep my money from me. i have been callin cash app since the XXXX of XXXX and here it is almost a month later ( in ( in 9 days ) that i havent been able to get any resolution on. The law states that they have to make my money available within 10 days of me starting an investigation and no matter how many times i tell them that and give them all the info they ask for I have nothing, no way to accdess my money, and now am living in my car because cashapp wont let me access the account that was supposed to closed, and becfause the irs did not do what i asked them to do when i verified my identity. I need some help Acct # XXXX Routing # XXXX Thank you
Consumer complaint received 2022-07-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (FL)

I've been looking to dispute with this for a while but wasn't sure how or to whom. In XXXX I thought I was donating {$500.00} to a non profit school  that turned out to be a scam and requested a refund from receiver and the company to contact the receiver because me still thinking is legit wanted to file taxes on what I did. I honestly waited because the communication and lack of options to turn to became overwhelming. I've disputed others but my main complaint is not just receiving proper communication but also their representatives not giving accurate or informative resolutions, Ive had two smaller disputes with them that they clearly needed to credit me or resolve with the receiver and nothing was done at all.
Consumer complaint received 2024-08-15
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CREDIT ACCEPTANCE CORPORATION (MS)

sent a cease and desist dispute letter on XX/XX/29 also disputed the debt on several occasion this debt is over XXXX years old I am writing to formally request the removal of a debt that has been on my credit report for more than XXXX years. According to the Fair Credit Reporting Act ( FCRA ), negative items such as collections, charge-offs, and late payments should be removed from a credit report after XXXX years from the date of the first delinquency. 

As the debt has exceeded the seven-year reporting limit, I kindly ask that you cease reporting this debt to the credit bureaus and remove it from my credit report. Please provide written confirmation once this has been completed. I appreciate your prompt attention to this matter. If you need any further information or documentation, please do not hesitate to contact me. Thank you for your cooperation.
Consumer complaint received 2024-08-18
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (OH)

I was 30 days behind on the loan in XXXX of XXXX with Credit Acceptance when my vehicle was repossessed. Within 3 days of the repossession the vehicle was already at the auction and they refused to allow me to reinstate the loan and return the vehicle to me. The vehicle was then auctioned and I was informed that I still owed them {$12000.00}. Then in XXXX of XXXX I was served with papers saying that they were suing me for the remaining balance. I filed my response letter with the court and when the court date came their attorney was a no show. This then dragged on for almost a year before they decided to ask the judge to dismiss the case without prejudice because the judge called into question how they calculated the amount that was still owed on the account and I am assuming they want to try again at another time with a different judge. This is still showing up on my credit report as a repossession and Credit Acceptance refuses to do anything about it or respond to any contact. Not to mention the blatantly inflated price they made the dealer charge for the vehicle and the warranty they told me Credit Acceptance required me to get and the refusal to allow me to purchase gap insurance. I know that the contract states the warranty was " optional '' but they refused let me buy the car without it saying that Credit Acceptance requires the purchase of the warranty in order to approve the loan.
Consumer complaint received 2024-08-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (ME)

I originated a loan with XXXX XXXX  who then had XXXX do the servicing. In XXXX, I attempted to log in to the servicer website. I was denied access. They were in process of transferring my loan. My payment was due on XX/XX/XXXX. I refuse to pay by phone. I want to do everything through an online portal. After much finagling I was able to log in. Then I lost access XXXX days later. This was due to a site upgrade. They told me it would be XXXX weeks before I gained access. I finally was able to log in and make my XXXX payment. Now as I try to make my XXXX payment, I once again have no access to the website. It is not my issue. It is their issue. And they make it clear they are a debt collector and given that I have never in my existence ever dealt with a debt collection company this is grinding my gears. I have excellent credit and never miss payments. This is absurd that I have to call every month because their system wont allow me access.
Consumer complaint received 2024-08-18
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: Bread Financial Holdings, Inc. (MN)

I have requested Comenity Bank/Victoria Secret to remove the account off my credit report or to mark it as paid and not derogatory because I have paid the collection agency already. This is hurting my credit score and report.
Consumer complaint received 2024-08-15
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. (NV)

XX/XX/year> phoned the losers and asked for pages XXXX & XXXX of the XXXX page memo sent from citi to me on XX/XX/XXXX. Asked where is the alleged {$560.00} credit on my account? It does not show under " Transactions, '' like the pizza that I bought yesterday. XXXX Citi failed on both accounts. After waiting on hold I get someone from a non-US country who wants to know the contents of the letter. It was not a letter, it was a memo. There is only XXXX XX/XX/XXXX memo. Give me the missing pages XXXX & XXXX. They can't handle it. 

Nor can XXXX CFPB, as I complained in complaint # XXXX. 

WHERE ARE PAGES XXXX XXXX XXXX 
WHERE IS THE {$560.00}XXXX 

cAN't wait to dump this stupid credit card. Happening soon.
Consumer complaint received 2024-08-18
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: Bread Financial Holdings, Inc. (MN)

I have asked Comenity Bank/Express about removing of the inaccurate data that the account is derogatory. The account has been fully paid through the collection agency and this needs to reflect Expresss side of my credit report. This is hurting my credit report.
Consumer complaint received 2024-08-15
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (SC)

Multiple calls texts like the folllowing copied : Resurgent Debt Collector : XXXX, visit our Portal at XXXX to see if you qualify for exclusive discounts. Reply STOP to Op Stop does nothing. Uses different names. I have no debt to be collected via XXXX report. Never knows my real name either. 

Numbers : XXXX ( text ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX