davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-19
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC (GA)

I have asked the company for a debt validation letter stating that I owed this debt to them. They could not provide any personal signature of mine on a contract with Westlake Financial. They removed their collection from my credit report on XXXX ; however, they reported the same inaccurate information to XXXX again XXXX months later. Under the FCRA if they can't provide the accurate information " debt validation letter '', they are required to not report false information to the credit bureaus. This is a constant battle. I have asked numerous of times and yet they violate my rights under the FCRA by not providing the documentation necessary for a validated debt.
Consumer complaint received 2024-08-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (CA)

Heres the draft for your CFPB complaint : -- - XXXXWhat happened? ** I started using Square for my new business, XXXX XXXX, a construction company, on XX/XX/year>. My account was approved on XX/XX/year>, and I invoiced my first client that same day. The client made a payment of {$12000.00} on XX/XX/year> through Square 's invoicing system. 

On XX/XX/year>, Square informed me that I needed to go through an identity verification process. I promptly provided the requested documentation, which included photos of myself and my ID. Despite this, on XX/XX/year>, Square froze my account without giving a clear explanation.

Since then, Ive made numerous attempts to contact Square through phone calls, but no one has been able to provide a reason for why my account is blocked or when I can expect to access my funds. 

The withholding of these funds has caused significant financial strain on my business. Ive incurred 10 % interest on credit card debt due to having to borrow money to keep my operations running. Im struggling to pay my employees and cover the costs of materials needed to continue my project.

I urgently request that Square release the withheld funds as soon as possible. 

-- - This complaint gives a clear timeline, outlines the issue, and explains how its affecting your business. Let me know if you'd like any revisions!
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: General Motors Financial Company, Inc. (PA)

I applied for credit at a car dealership and specifically told them they DID NOT have permission to shop for a loan, I authorized them to only submit to XXXX bank and DID NOT authorize my information to be submitted to the creditor.
Consumer complaint received 2024-08-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (TX)

I have been receiving numerous calls over the last weeks for a XXXX XXXX XXXX at my phone number XXXX. 

I have explained to each and every caller that ( XXXX ) I am not XXXX XXXX and ( XXXX ) he can not be reached at this number. 

But the calls keep coming. Another call was just received from XXXX. The agent finally connected me to the supervisor who gave me the company name, address and Web site. 

Credence Resource Management , LLC XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Toll free # XXXX I contacted them by email and just received the following response, even though all the information was contained in my original message to them : We are in receipt of your email dated XX/XX/year>. 

" We have researched the matter and discovered that we are unable to locate any record in our system with the information provided by you. In order for us to move forward please provide us with the phone number you have been receiving calls. Credence apologizes for the inconvenience caused to you. ''
Consumer complaint received 2023-03-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Markoff Law LLC (IL)

I spoke to a representative with XXXX XXXX  regarding my debt owed to time payment corporation. I was offered a settlement by legal representative XXXX XXXX, who informed me that my debt would be cleared with both XXXX  as well as the original creditor, XXXX XXXX XXXX. I have attached the receipt from me paying off that debt and months later I receive letters from Markoff Law threatening me with further legal action if my balance is not paid. I am distressed and ashamed that I have to go through this after I have paid off my debts!
Consumer complaint received 2024-07-19
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: EQUIFAX, INC. (NJ)

The unverified account indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX
Consumer complaint received 2024-08-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (FL)

On XX/XX/XXXX at XXXX XXXX, I received an email from PayPal that appeared to be intended for internal use. I responded, seeking clarification, but my reply bounced back as undeliverable since it was sent to an unmonitored email address. The following day, I checked my PayPal account and discovered it had been restricted. The account provided vague instructions to submit a copy of my ID, proof of address, and bank statements. Since I have multiple bank accounts linked to PayPal, I submitted the statement for my main account. 

A few days later, I received an email stating that the address on my ID wasn't clear ( despite the photo I uploaded being perfectly clear ), the bank statement was from the wrong account, and my name was incorrect. I called PayPal to understand the situation and what caused the restriction. The specialist I spoke with didn't know the cause but asked if I had ever changed my name on my PayPal account. I explained that I used to go by my middle name, XXXX, and my second last name, XXXX, which is common in XXXX cultures. She asked me to provide documentation of that but couldn't clarify which bank account they needed statements from. I recalled that the email I had received mentioned XXXX XXXX, an account I had closed years ago. 

On XXXX XX/XX/XXXX, I uploaded all the required documents and was told to wait XXXX hours for a response. As of now, I'm still waiting with no update. Phone support assured me a supervisor would call within XXXX hours, but that has not happened. Email support advised me to wait another XXXX hours.
Consumer complaint received 2024-08-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Denefits LLC (FL)

I am writing to file a formal complaint against " XXXX XXXX XXXX XXXX  '' for deceptive and misleading practices related to a credit repair service I signed up for in XX/XX/year>. 

I was promised by XXXX XXXX XXXX XXXX XXXX XXXX that they would assist in collectively increasing my credit score by 100 points within 90 days or longer. They also assured me that certain negative items could be, and most likely would be, removed from my credit report. However, after the 90-day period, none of these promises were fulfilledno items were removed from my credit report. 

After the 90 days, I was contacted by " Denefits '' and informed that I owed {$1300.00}. A representative from Denefits explained that since the 100-point increase in my credit score did not happen, the business canceled the contract, and I was responsible for the amount mentioned and all credit repair services were stopped. 

On XX/XX/year>, I discovered that Denefits had reported a new " Installment Sales Contract '' on my credit report with a balance of {$1600.00} which doesn't match the amount originally told to me. I believe I have been scammed and that I was deceived and misled into signing up for this service under false pretenses. The promises made by " XXXX XXXX XXXX XXXX '' were not fulfilled, and the subsequent actions by " Denefits '' have only exacerbated the situation, putting my financial future at risk. 

This has come at a particularly critical time, as I am in the process of refinancing my home, and this new entry has the potential to severely impact my ability to close on the refinancing. 

I kindly request the CFPB to investigate this matter and take appropriate action against these businesses to prevent them from causing further harm to consumers. I want this removed from my credit report immediately.
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: ACIMA CREDIT, LLC (HI)

On ff I filed a complaint against both Acima ( Complaint # XXXX ) and XXXX ( Complaint # XXXX ) in regards to the account being reported inaccurately. In that complaint I had attached supporting documentation that they were reporting inaccurate information and that I wanted it permanently removed from my reports. Pursuant to section 623 ( a ) ( XXXX ) ( A ) and ( B ), a furnisher SHALL NOT furnish information that they have reasonable cause to believe it was inaccurate. The supporting document I attached in those complaints showed proof that the reported information was inaccurate. Now, I have received a letter from Acima stating that they have ACKNOWLEDGED that they have reported inaccurate information but STILL REFUSE TO DELETE IT FROM MY CONSUMER REPORT. See attached. This a complete violation of section 623 of the Fair Credit Reporting Act. Additionally, I notified XXXX of this inaccurate information to which they claimed its " verified ''. Pursuant to section 611 ( a ) ( 5 ) I am demanding compliance. Lastly, the cfpb has initiated a lawsuit against Acima for reporting inaccurate information Docket number 2:24-cv-00525. This is their last chance to remove this information from my report before I proceed to hand this case over to a consumer protection attorney.
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and listed on my credit report : XXXX XXXX XXXX XXXX Date Opened XXXX XXXX XXXX Blance : {$0.00}
Consumer complaint received 2024-08-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

Hi, I would like to make a request using this complaint, if PayPal can allow me to withdraw the money from my PayPal account? 

I am running on medical issues and I would like this money to cover the cost of medication. 

I will be humbled upon if the higher management can allow me to withdraw the money from my PayPal account. 

Please let me know.
Consumer complaint received 2024-08-17
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (CA)

American Express closed my XXXX XXXX charge card, following a financial review. During the financial review, i was requested to provide a XXXX tax return form as well XXXX recent bank statements. When applying for the card, I disclosed that I had a low taxable income ; American Express advised me NOT to put my non-taxable income on the application, since their system rejects the application for non matching income. There is no way to provide information about non-taxable income on the application. As part of the financial review, AMEX seemed to not consider my bank statements which provided proof of non-taxable income /deposits into the account ( which they did ask for ), instead only relying on the XXXX. They claim they have considered all the information, but it's not clear why their process took XXXX months, and it does not appear that that information was actually considered. 

Additionally, I had been a logn standing client of American Express for over XXXX years with excellent payment history, It does not appear that the company values its long standing customers.
Consumer complaint received 2023-03-17
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. 

Account name : XXXX XXXX XXXX Account # XXXX, Account name : XXXX XXXX XXXX XXXX  Account # XXXX, Account name : XXXX XXXX XXXX  Account # XXXX, Account name : XXXX XXXX XXXX  XXXX Account # XXXX Account name : 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 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 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

This Account was charged off on the following date : XXXX XXXXXX/XX/year>. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment History. This inaccurate information falsely manipulates the statue of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-16
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

HI my name is XXXX XXXX in XXXX I was XXXX and was a victim of identity theft.someone took about {$12000.00} out of of my north Carolina bank of america debit card.my social, ID, BIRTH, were utilized.i was a declared victim of identity theft.my credit cards were maxed, had access to my debit cards and etc.i filed 3 claims with bank of america prepaid.claim numbers XXXX, i had to contact my attorney and tXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX proving I was incarcerated during the time, BECAUSE THE DOCUMENTS THEY USED FOR THE INVESTIGATION WERE INACCURATE.I XXXX XXXX XXXX XXXX XXXX XXXX XXXX.i was incarcerated from ( XXXX ) TO ( XXXX ) XXXX XXXX XXXX ( 10 % of {$95000.00} ( {$9200.00} ) XXXX XXXX XXXX had no possible way to do this.I still have no resolution to this.i provided them with my FTC REPORT ID THEFT REPORT, POLICE REPORT, XXXX XXXX XXXXtill have no resolution to this.i would like to get this handles as it lead up me to be homeless.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (FL)

Attached are letters that I sent to the Credit Bureau informing them that the according to the Statue Of Limitations, the debt should no longer be reporting on my Credit Report, but it is and it's lessing my chances of Refinancing.
Consumer complaint received 2023-06-11
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. (DE)

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. 

I told the XXXX, TransUnion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However They stated everything was complete And accurate But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporting correctly.

15 U.S.C 1681 section 602 A. State l 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 agencies can make any consumer reports 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 Also they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inacurrate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2024-08-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (SC)

I have not used Venmo in sometime and was asked to download it for a transfer when I found out that my new phone number is registered to somebody elses account still and I can not login because its not my information to verify so Im locked out and now the account will not let me login. It always says request denied and all of The Venmo virtual help is useless in this situation.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc. (SC)

XXXX FTC XXXX NON-COMPLIANCE* I am submitting this complaint due to the companys non-compliance with the Gramm-Leach-Bliley Act ( GLBA ). Specifically, they have : Failed to provide the required privacy notices that disclose how they manage and share my personal information. 
Not offered an opt-out option for third-party data sharing, as required by the law. 
Neglected to establish proper safeguards to protect my personal and financial information under the XXXX Safeguards Rule.

Raised concerns about their identity verification processes, which may violate pretexting protections. 
I demand that the company immediately stop sharing my personal information unlawfully and provide a full explanation of how my data has been handled, along with documentation proving their compliance with GLBA regulations.
Consumer complaint received 2023-03-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

On XX/XX/2023 my mobile banking app was hacked. There was a fraudulent deposit followed by a {$400.00} Zelle transfer out of my account. I immediately contacted my bank on XX/XX/2023 after I first noticed the fraudulent activity. They submitted the XXXX fraud claims XXXX for the deposit with the bank and XXXX for the money transfer through Zelle. The deposit was fixed after the bank declared the deposit fraudulent and they removed the amount deposited from my account, without first resolving the Zelle, leaving my account in the negative. A few days later Zelle denied the fraud claim saying it did not appear to be fraud to them leaving me, a XXXX XXXX XXXX having to pay off {$400.00} dollars that I didn't spend or get. XXXX XXXX then claimed that Zelle is a third party provider leaving it out of their hands even though they actually own a 7th of the Zelle company.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-01
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Comerica ()

Dear CFPB, In XXXX XXXX I contacted my bank to close my account due to fraudulent activity. I asked that they return my balance of XXXX to Social Security, but they said that wasn't possible. They said Social Security had to recall the funds from them. I contacted Social Security and they said this wasn't true, that Comerica Bank had to send my funds to Social Security. I ask that Comerica Bank return my funds to Social Security at this time. 

Thank you for your assistance in this matter.