davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-26
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: PENTAGON FEDERAL CREDIT UNION (NY)

On XX/XX/XXXX, a gentleman named XXXX XXXX called. He told me he had a program that could show me how to pay off my Mortgage between 5-7 years. It sounded convincing at the time, and I told him I needed more information ; he said that I needed to pay for the program and then they would send me a XXXX link to explain the program. I paid for the program on XX/XX/XXXX, and received the link to the XXXX meeting. 
After I listened to the information from the XXXX meeting, I realized they wanted to Apply to a bank of their choice to pay high interest on the loan and add my paycheck to the program, and I was concerned. 
I sent a cancelation email on Wed, XX/XX/XXXX, at XXXXXXXX XXXX. I explained to them that I was going through a XXXX and had a court date on XX/XX/XXXX. I didnt want to continue with the program, and my credit score was not great ; plus, I Dont know if the court is not going to ask me to sell the house. 
The answer was that they would postpone the transaction till my court date on XX/XX/XXXX, and I could transfer the program to another home. I told them I was not going to buy another house anytime soon, and again, I asked them to go back to the original email that I sent on Wed, XX/XX/XXXX, at XXXXXXXX XXXX, XXXX, of cancellation ; I want the refund back on my credit card. 
Since then, I have been going back-in-Fort to get the refund back. I submitted a complaint to Pen fed the credit card on XX/XX/XXXX, to let them know I never used the program or received anything to download from Accelerate Banking ; I canceled the transaction, and they refused to apply the refund to my credit card, I received two XXXX calls once after XX/XX/XXXX, which withdrew on Wed, XX/XX/XXXX, at XXXX XXXX 
Another one after XX/XX/XXXX, because they postponed the transaction, which I was unaware of ; again, I asked them to return to my original email on Wed, XX/XX/XXXX, at XXXX XXXX. 

As of XX/XX/XXXX, the XXXX is still trying to get me through the process, which I have never purchased since I canceled on XX/XX/XXXX. They charged me {$3900.00} for XXXX XXXX calls to explain the funny strategy to scam me out of my money. One XXXX call was on XX/XX/XXXX, and the other was after XX/XX/XXXX, which I considered because I wanted my accounting adviser to hear what they were trying to sell me. They postponed it until my XXXX court date but canceled it on XX/XX/XXXX. I never told them I wanted to proceed, especially when they stated that I had to put my paycheck into the process and then apply with several banks of their choice to pay high interest on my salary.
Consumer complaint received 2024-10-31
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: U.S. BANCORP (GA)

Us Bank sent me email saying I had a balance that was over the limit but I dont recognize this. I have a feeling someone used my information without my consent. I filed a dispute with XXXX but they said it was accurate which I heavily disagree
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (NY)

My federal student loan servicer is mohela. There was a transition of mohela so they would have more oversight by federal student loan agency. 
Now my same debt is showing up twice in my credit report. 
One reported at " federal student loan '' and once reported by " mohela ''. 
I contacted XXXX and they stated I must reach out to the company reporting directly. I contacted federal student loans dept and they stated they do not report to the credit bureau and only my servicer reports. I can only assume that mohela was reporting and continues to report an that now under the new agency they created they are also reporting. 
My debt to income ratio is impacted as this doubles my debt prevent in g me from moving on with financial transactions that would typically be approved by a bank but are currently not. I have notified Mohela about the problem. 
Mohela is not rectifying the issue despite my account being completely transferred to their new platform 3 months ago.
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

On XX/XX/2023 I contacted XXXX to dispute the incorrect information being reported on my consumer report. I then sent in a 609 letter demanding validation of the alleged information. I have not had a response from the company. I filed a CFPB report in XX/XX/2023 but the case was closed and no remedy was granted. I have called XXXX on several occasions after XXXX. I contacted them again today XX/XX/2023 and they advised to send in a 609 letter which was originally done in XXXX, demanding all inaccurate and alleged debt be removed from my consumer report.
Consumer complaint received 2024-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (MD)

Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance with an unresolved issue regarding a fraudulent transaction on my Cash App account. Despite repeated attempts to address this with Cash App, I have not received an adequate investigation or resolution. On XX/XX/year>, a fraudulent charge of {$350.00} was made to my account to XXXX XXXX, which I did not authorize nor initiate. I immediately reported the issue to Cash App 's customer support team, expecting a thorough investigation to be conducted. However, despite providing all necessary documentation and details, Cash App has failed to take appropriate action to investigate this transaction and has not refunded the funds. The lack of response and attention to this matter has left me frustrated and concerned about my account 's security and financial information. As a consumer, I rely on digital payment platforms like Cash App to safeguard my financial transactions, and their inability to provide proper support and resolution is unacceptable. The amount was deducted from my case app balance, not my checking account,, and I can not be disputed it through my banking institution. I am requesting that the CFPB take appropriate action to investigate this case and ensure that Cash App conducts a full and fair review of the fraudulent transaction, resulting in the prompt return of my {$350.00}. I have attached copies of all relevant documentation, including the transaction details, my communications with Cash App, and any other supporting materials. I trust that the CFPB will help resolve this matter promptly. Thank you for your attention to this urgent issue. I look forward to your response. Sincerely, XXXX XXXX I have attached the XXXX receipt and I am waiting on PR to be mailed as I am not in XXXX GA and I was there at the time my phone was stolen.
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NM)

So I bank with Wells Fargo Well recently some fraudulent claims have been filed Including the {$2300.00} down payment on my car And 2 rent payments XXXX and {$1000.00} I did not file these claims And the bank sent the money back While everything was being investigated And that money was spent It was loaded into an Apple Cash account And spent on something I did not make these claims and I did not spend the money When I first talked to a representative from Wells Fargo they couldnt tell me anything Well I went to go pay my rent last month and it declined and it said I was negative {$1600.00} And I had {$640.00} in my bank account and I was gon na pay the remainder of my rent in cash So {$640.00} went missing an was spent on a claim reversal credit and I didnt know what that was so that's when I first called Wells Fargo and told them what happened and they couldnt explain Now today I am {$2900.00} in debt to after the second claim reversal of {$1000.00} went through These are fraudulent claims and fraudulent transactions I have no idea how or why these claims were filed I didnt even know you could do that So Ive talked to Wells Fargo and they keep sending me to the claims department and I keep telling them these are fraudulent claims and the money they sent back was spent fraudulently
Consumer complaint received 2024-10-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

This company is reporting fraudulent inaccurate info on my credit report. I have requested proof of the purchase agreement to show full ownership of such acct and other documents so I may review to see if this is actually an account that belongs to me.
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

The inquiries listed in my report were inaccurate.I requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-10-30
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (IA)

XXXX XXXX XXXX Iowa XXXX XXXX XXXX XXXX XXXX XX/XX/year> JEFFERSON CAPITAL SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX To whom this may concern I have recently pulled my credit report and noticed that there is a collection listing from your agency. I have never been notified of this collection action or that I owed the debt. This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt. Agreement that bears signature of the alleged debtor with promises to pay the original creditor. Complete payment history on this account, to prove that the amount you wish to collect is correct. 
1,038 I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company. 1, d289 Sincerely XXXX XXXX
Consumer complaint received 2024-10-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: FinCo Services Inc DBA Current (IN)

On XX/XX/year> I was alerted via email that my information was used by a fraudster to open a credit card illegally. I asked that Current " the company who issued the card '' remove the account and provide all the details associated with the fraud and they said the police must request. I also asked that they block any of my personal information from ever being used on their site. On XX/XX/year> Current acknowledged that the fraud occurred and that they'd taken steps to shut down the account. On XX/XX/year> I received automated emails from Current notifying me that the fraudster was again trying to log in.
Consumer complaint received 2024-10-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CA)

Unauthorized transaction occurred on XX/XX/year>. My account was hacked and {$350.00} was transferred to another account which I dont know the person. The transaction appears to be sent by me so the company doesnt want to credit my money back. I have had 2 dispute claims so far and both have been denied. Customer service / supervisor was no help and couldnt even give me a number to the fraud department saying that department doesnt have a phone.
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX Balance : {$380.00} XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX Department of Ed/XXXX  Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-31
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (AL)

XXXX XXXX sent this company a letter in 2019 asking to verify that this account belongs to her by providing documentation and a signature of XXXX XXXX, RENT RECOVERY SOLUTIONS sent XXXX XXXX a EMAIL with only the amount of the debt and NO DOCUMENTATION NOR SIGNATURE. There exists no signed agreement, contract, or official documentation linking XXXX XXXX to the account maintained by " RENT RECOVERY SOLUTIONS. '' This absence of concrete evidence raises serious concerns about the validity and legality of this entry on my credit report.

The inclusion of this account on my credit report without substantial proof or verification violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

The listing of this account has had devastating consequences on my life, which lead to my homelessness and repeated denials of emergency Section 8 housing assistance. I demand an immediate and thorough investigation into this matter.

I request that : - The account " RENT RECOVERY SOLUTIONS '' be promptly removed from my credit report.

I am urgently prepared to pursue all available legal remedies and escalate this matter further if necessary to ensure that justice is served for the damages I have been put through for the past 5 years.

I expect a swift and satisfactory resolution to this dispute.
Consumer complaint received 2024-10-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

The consumer agency was contacted, regarding Portfolio recovery with account information ending in XXXX. This account does not belongs to. And therefore I would like for this account to continue removed immediately due to fraud. This account is hurting my credit and is causing hardship to jibs and utilities. Please help immediately.
Consumer complaint received 2023-03-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I discovered that the same information on my credit report was inaccurate when I reviewed i in my updated report in Identity IQ. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-28
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Jim Bottin Enterprises, Inc (OH)

Rev Now XXXX initiated contact with me attempting to collect a debt from phone number XXXX on XX/XX/XXXX. During the interaction I informed them that I was willing to settle the debt with them but to please call me back on XX/XX/XXXX when I get paid in order to discuss the terms of the agreement. The representative agreed and notated my account stating that I would not like to be contacted until XX/XX/XXXX. On XX/XX/XXXX, they contacted me again, to which I once again informed the rep that I would not like to be contacted until XX/XX/XXXX and that I would be happy to discuss settling the debt. From XX/XX/XXXX to XX/XX/XXXX they contacted me at least 4 more times and they began calling me 3 times a day. On XX/XX/XXXX, I escalated to a supervisor who was combative and rude who stated that they were unable to remove my number from their auto dialer system. After I informed her once again that I would be willing to settle the debt when I got paid on XX/XX/XXXX, she insisted on trying to get a payment from me so that they could post date it. When I refused to authorize any payment until XX/XX/XXXX she became rude and combative again and I requested to speak with her Manager. She claimed that the manager was busy and would not take the call and insisted once again that she collect a post dated payment from me. When I asked once again to not be contacted until the XXXXXXXX XXXX XXXXXXXX she became combative again and stated that they would not be able to pause collection calls until the XXXXXXXX XXXX XXXXXXXX and that she was going to report my account back to the client as an unable to settle. When I informed her that this was a false report, she became combative again which led me to refuse any further contact without first reporting this to the CFPB and obtaining a lawyer.
Consumer complaint received 2024-10-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Fay Servicing, LLC (MD)

Made payments vie money orders during 2024 XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and of {$1200.00} and according to statement, none were credited to account. Company filed foreclosure twice during this time, which to try to save my property on advice of an attorney I filed for XXXX  XXXX. At one time ( XXXX ) the attorney talked to a representative from Fay Services LLC and asked about the payments being sent/credited to my account and he suggested that I send payments ( check ) to a XXXX, Tx, address instead of the previous Illinois address that I have always used. I sent it and in XXXX after they filed for foreclosure again I received by XXXX the return check! I had to try to refile XXXX XXXX because of the rushed foreclosure date on the XXXX of XX/XX/2024, Even though I filed before that date, they went through with the auction of my property before Bankruptcy was determined. Which was not legally alloyed. I am trying to keep my property, I had some financial circumstances last year but have corrected them and was moving on. I live in Maryland and they have from my understanding certain foreclosure laws that restrict avenues of recovery of my property. Also note that when this company assumed the loan from XXXX  they didn't go with the loan arrangement and I was told at the beginning of 2024 that I was not eligible to apply for Loss Mitigation. I was sent the new payment amount starting in XXXX.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.