davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (IL)

On XX/XX/2022, I contacted Cash app, also XXXX XXXX, about a fraudulent transaction that was made in the amount of {$100.00} to XXXX. It was a payment I made for a product I never received. Cash App, also XXXX XXXX, refused to investigate it, stating that the payment was automatic and could not be reversed. However, pursuant to Federal Deposit Insurance Act, my account is insured {$250000.00}, per depositor, per insured bank, for each account ownership covered. Cash App, also XXXX XXXX, have denied me the right to investigate fraud related to my account according to the FDIC.
Consumer complaint received 2024-08-28
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (GA)

I move out from XXXXXXXX XXXX in XXXX GA ON XX/XX/2024. THE MANAGER said will mail me the total statement but I never received it until debit collection company call me AGAIN AND AGAIN THAT I OWN {$1700.00} DOLLAR, THEY USE MY XXXX XXXXXXXX REDUCE TO {$1300.00}. I TRY to call apartment manager three time to express the amount does not correct that I should not pay for carpet over XXXX dollar for replace.because when I move init is old carpet and did not clean at all. I AM NOT TAKE ALL RESPONSIBILITY to the carpet that is been replaced.when I ASK TO GET THE EVIDENCES OF MONEY SPENDING ON CARPET TO REPLACED AND SOME PAINTING RECIPT they paid. I had been told to talk to the debt collector call <HUNTER WARFIELD AND PHONE NUMBER XXXX, I DID FOLLOW TO CALL THEM.THE DEBT COLLECTOR REPEAT TO SAID DO YOU WANT TO PAY IT? NEVER TO LISTEN WHAT I EXPRESS THE SITUATION. THEY KEEP TELLING ME EITHER PAY IT OR WILL REPORT TO THE CREDIT UNION. I TRY TO FIGURE IT OUT THE AMOUNT I REALLY OWN AND TRY TO PAY IN PLAN. THE HUNTER WARFIELD ALWAY SAY I CAN NOT HELP. YOU NEED TO PAY.
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. (TX)

PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I was a victim of identity theft and I am currently in distress and suffering from anxiety because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-08-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST PORTFOLIO SERVICING INC (IL)

On XX/XX/XXXX, a XXXX debit card was compromised and I had to close/cancel that card. A new XXXX debit card was issued and mailed. It should've been received XX/XX/XXXX. I NEVER received this NEW card. No one else had access to my mailbox, pin, or household. Someone activated and started using this card on XX/XX/XXXX. The card was activated at XXXX when I was volunteering and I've attached screenshots of proof that I was at volunteering and it couldn't have been me activating the card. At XXXX, an ATM withdrawal for {$800.00} was made. At XXXX, I received a fraud text alert about a {$1.00} gas station charge and I responded 'NO ' immediately to indicate the charge was fraudulent and I did not authorize it. I spent over an hour on the phone with the issuing bank ( XXXX XXXX ) and XXXX at XXXX to flag the card, report the fact that I NEVER received the card, and stop any and all usage. The fraud text alert at XXXX proves that they knew something sketchy was going on with the card. The issuing bank, XXXX XXXX, appears to have recently gotten in trouble with the FDIC for unsafe and unsound banking practices. Maybe that's how my card was compromised a XXXX time. Again, I NEVER received the new XXXX  debit card and therefore could not have used it to make an ATM withdrawal. I have almost an XXXX credit score. I am not a sketchy or scammy person who would try to get {$800.00} from XXXX by lying about activating a card. 

I have submitted a dispute to XXXX, offered to provide additional information/proof that it wasn't me ( which they weren't interested in ), and gone back and forth with them for a month. They have refused to reimburse me or provide a reason for thinking it was me making the ATM. 

In terms of the company that is responsible, it is a XXXX debit card issued by XXXX XXXX. The next screen/field doesn't let me pick either.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Sterling Infosystems Inc. (CA)

XX/XX/XXXX Sterling performed a background check as part of my application for a position with XXXX XXXX XXXX as a XXXX XXXX, where the offered rate was {$30.00} per hour. I was subsequently denied full-time employment based on inaccurate employment verification details that incorrectly showed no record of my self-employment. 

Details of Self-Employment : XX/XX/XXXX- XX/XX/XXXX : I operated legally as a XXXX XXXX 
XX/XX/XXXX- XXXX : I have been operating under a valid XXXX in the state of Pennsylvania. 
XX/XX/XXXX- XXXX : I have been operating under a valid XXXX  in the state of California. 
Actions Taken : The inaccurate background check report negatively impacted my employment opportunity. I request that Sterling review and correct their records to accurately reflect my self-employment history.
Consumer complaint received 2024-08-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ACIMA CREDIT, LLC (MA)

According to 15. U.S.C. 1692C 15 U.S.C. 6801 and 15. U.S.C. 6802 XXXX, XXXX XXXX and XXXX have violated my rights by in lawful communication, please remove this collection off from my credit report, Thank you Account name XXXX XXXX  Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 


Account info Account name ACIMA DIGITAL FKA SIMPLE Account number XXXX Account type Lease Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$980.00} written off. {$1.00}, XXXX past due as of XXXX XXXX. 
Status updated XXXX XXXX XXXX {$3000.00} XXXX updated XX/XX/XXXX
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant XXXX XXXX XXXX XXXX of the Fair Credit Reporting Act of 1997. As required by the XXXX, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-28
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: Self Financial Inc. (NC)

In accordance with the Fair Credit Reporting Act, [ Account Name & Account Number ] has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2024-08-19
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE (MA)

I recently applied for a JetBlue credit card. I was denied due to a bankruptcy charge off that occurred over 20 Years ago with Barclays Bank. Since that time Ive had over two years of on-time payments to all my credit cards that I currently have in my possession. I feel that Barclays is discriminating against me because of a past transaction thats well over 25 years ago. Theres no information on my credit report that shows any of this and I think its unfair and Im being singled out. Im looking for some assistance.
Consumer complaint received 2023-11-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A. (GA)

A wire IRS transfer through the XXXX XXXX XXXX XXXX was sent to my business account PNC Bank. I attempted to do two wire transfers. One went thru for {$23000.00} the other did not. This transaction took place on XX/XX/2023 and before close at the end of day PNC had suspended our account. Today is XX/XX/XXXX and we have not heard anything from them in reference to our account. We contacted the XXXXXXXX XXXX XXXX and received the tracking # for the transfer # XXXX and we were also told based on their system that the money has cleared and the funds ate available with PNC in our account. This is week 3 and no one will contact us or give us any information as to why they will not release our funds.
Consumer complaint received 2024-08-19
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (RI)

Dear Comenity CapitalXXXX, I am writing to express my deep concern regarding an unexpected issue that came to my attention today while reviewing my credit report with my loan officer. It was brought to my notice that a 30-day late payment has been reported on my account for XX/XX/2023. This came as a complete shock to me, as I have always been diligent in making timely payments on this account. 

I am unsure how this discrepancy occurred, as I have consistently made payments promptly upon receiving my statements. It is possible that there was an issue with the delivery of my monthly statement, or perhaps the payment was not processed in a timely manner. Regardless, I can assure you that any lateness was entirely unintentional. 

Given our longstanding relationship and my history of responsible account management, I respectfully request that you remove the 30-day late payment from my credit report and refund any associated late fees. Furthermore, under the provisions of the Fair Credit Billing Act ( 15 USC 1666b ), the Fair Credit Reporting Act ( 15 USC 1681i ), and the Fair Debt Collection Practices Act ( 15 USC 1692g ), I believe this reporting to be inaccurate. Therefore, I must insist on the immediate deletion of this late payment from my credit report.

I hope we can resolve this matter swiftly and without further inconvenience to either party. I value the positive experience I have had with your company in the past and look forward to continuing our relationship on good terms.

Thank you for your attention to this matter. I appreciate your prompt assistance.

Sincerely,
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (KY)

I did a Credit Card payment plan through XXXX XXXX. They take a little over {$600.00} a month out of my checking account and pay my cards for me. I have 4 of the credit card companies that have reported to the credit bureaus that my accounts were charged off when in fact they are still getting paid through the plan. XXXX XXXX works with the credit card companies and make a payment plan and come to an agreement. What can I do to make them take the CHARGE OFF status off the credit report when they are still getting paid as if I were paying them myself? I never missed a payment or was ever late. They were usually always paid early and for more that the minimum.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Advanced Resolution Services Inc. (CO)

Date : XX/XX/XXXX Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 

I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. 

Below is the information necessary to process this request : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX. 

XX/XX/XXXX SS XXXX
Consumer complaint received 2024-08-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Armada Corp. (NV)

The debt or account XXXX from Armada Corp located at XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX was paid back in XX/XX/year> via XXXX to the XXXX XXXXXXXX XXXX per the attached.
Consumer complaint received 2024-08-19
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: BARCLAYS BANK DELAWARE (NM)

On XXXX and XXXX, fraudulent charges of {$280.00} each were made on my Barclay 's card from a local XXXX XXXX. I reported this to XXXX XXXX and disputed the charges on my Barclays card, closed my Barclays account, and filed a police report. Barclays closed the case due to 'insufficient proof of cancellation, ' which is nonsensical, as no proof of cancellation would exist because neither transaction was made by me. I was not in the store on either day, neither did I make any online purchases.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Security Credit Services, LLC (GA)

Recently, I did a investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S Code 1681e ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or ify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2024-08-19
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CLGF Holdco 1, LLC (DC)

On approximately XX/XX/year>, a company called " XXXX XXXX  '' ran a hard inquiry on my credit. I did not request this inquiry, and I had never even heard of this company. After doing research, I learned that this company is apparently a credit card company targeting individuals with low credit. Others on online fora noted that this company had likewise run hard inquiries on their credit, and it appears the company will sometimes open a credit card in someone's name without informing them or getting their permission. I tried to contact the company but they wouldn't even allow me to speak to someone unless I gave them my social security number, which I refused to do. So I don't have any way of knowing why this company ran a credit check, or whether they are issuing/using financial products in my name without my knowledge or consent. I am currently working with the credit reporting agencies to remove the inquiry from my report, but I am very concerned about what this exploitative company will do given its access to my identity ( and am very concerned about how many vulnerable individuals are likely being harmed ).
Consumer complaint received 2024-08-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rausch Sturm LLP (TX)

I was behind on paying my XXXX credit card payments. 
XXXX. XXXX  is represented by Rausch Sturm. On XXXX I contacted Rausch Sturm & talked with XXXX XXXX XXXX He agreed to reduce the balance to {$5200.00} ( XXXX payments x {$870.00} ). 
Furthermore, XXXX payments were already made to XXXX : Payment XXXX : XXXX : {$870.00} Payment XXXX : XXXX : {$870.00} XXXX. In addition, based on my credit report, XXXX have written-off the FULL amount/ original amount from their books as bad debt. 
XXXX accepts payments & writes off the full amount on their XXXX XXXX XXXX  as bad debt! 
XXXX credit card is not reporting the payments I made to them, the balance agreed on is incorrect & they do not report to the credit bureau about the payments. 

XXXX. I contacted Rausch Sturm twice in the past by email & left several voice messages, asking them to update the balance amounts, the payments that were made & provide me with the documentation shows the balance amount as it was agreed on.
Consumer complaint received 2024-08-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Nguyen Law Firm, PLC (VA)

Good day. 

I began seeing a XXXX last year for some XXXX XXXX. I received bills for service. The last payment made was XX/XX/year> for {$290.00}. After this payment was made, I never received a bill showing specifically how this payment was applied. I was still seeing this doctor so more bills came in. I called to advise I wanted to continue paying, but needed to see how that payment was applied. I was advised it was applied to a prior bill and that was it. I again inquiried requesting to see how it was applied due to continuing to get bills and never seeing this {$290.00} applied. Instead of XXXX resolving my dispute so I could continue with voluntary payments, they sent my account to the Nguyen Ballato Law Firm for collections. Now they are requesting the balance plus attorney fees, but never resolved my initial dispute. Note, I have always stated I would pay my balance because there is one due. However, where was my money applied? And how did you send me to collections with no disupute resolution? And I am not paying attoReny fees, because this should have been resolved through my direct dispute.
Consumer complaint received 2023-11-30
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/XXXX, I paid my XXXX XXXX XXXX card in full and cancelled the card. On XX/XX/XXXX, I recieved a XXXX bill from the card which was XXXX in unpaid fees and XXXX in interest. When I called to complain about receiving interest and fees after paying the card in full. The person said it was in the contract. I thought they should have added no fees or after I cancelled the card and paid it in full.
Consumer complaint received 2024-08-20
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

I received a notification in the mail from Citi Bank that my Macys American Express credit card was being enrolled in an optional credit protection program and that would be charged {$0.00} per {$100.00} on my account balance. I never opted or even asked to be enrolled in this service. This is now the second time Citi Bank has tried enrolling me in this program without my consent. When I tried calling the number to cancel the customer service representative told me that she could not unenroll me from this service that I had never consented to and that I would have to call a different number during that departments business hours. Not only would the customer service representative not unenroll me, but they could not tell me why I was enrolled in the first place. When I asked to speak with someone that could tell me and unenroll me, they said that wasnt possible. I said I would rather close my account than do business with a company that tries to cheat me shady business practices. I said I wanted to take the survey about my customer service experience and then the customer service representative hung up on me. I then received an email confirmation that my account was being closed.
Consumer complaint received 2024-08-20
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: Resurgent Capital Services L.P. (PA)

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.
Consumer complaint received 2022-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Block, Inc. (CA)

Cash App has been deducting money from my business and personal account and I only had the app for 2 days and closed it due to them stealing money from my account and not wanting to take responsibility. When I have reached out to their representatives I have numerous I dont knows, we cant give you those answers and Ive been hung up on. This isnt what a financial institution as they claim they are should be able to do with your sensitive information or money!
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I am a victim ofXXXX. The information listed below, which appears on my credit report, results fromthat XXXX 

XXXX XXXX XXXX with account XXXX XXXXXXXX opened on XX/XX/year> and a balance of {$1700.00}. 

XXXX XXXX XXXX with account XXXX XXXXXXXX opened on XX/XX/year> and a balance of {$290.00}. 

XXXX XXXX XXXX Installment with account XXXX XXXXXXXX opened on XX/XX/year> and a balance of {$8800.00}. 

Please block this information from my credit reportwithinfour business days, according to section 605Cof the Fair Credit Reporting Act