davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-29
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NJ)

Im in receipt of an American Express gift card. It is a {$25.00} snowflake card. When trying to check the balance online it said that they were errors and I called the number on the back of the card. Was told the card is not valid anymore and The {$25.00} was turned over to unclaimed property and he insisted this was the law in New Jersey. I said its good through XXXX so why would you take money of a card that Im holding and he said because its an active and I said but thats my decision and the only resolution was to send them a photo of the card front and back and then send them a copy of my drivers license, via email. I dont feel comfortable sending them all this information. I said why cant you just re-issue me another card he said no I cant he said its an unclaimed property and I said but they dont know that it belongs to me because it was a gift card, so I cant claim. I dont believe that this is happened and I said the gift card has an expired so theres no right that you had to take my money and he kept saying that its the state law. So I will I am not trusting. Bottom line is this gift card XXXX holding has a XXXX balance it is in active when it shouldnt be.
Consumer complaint received 2022-11-27
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. (NC)

I have submitted several times disputes about some accounts in my credit reports that are not eliminated and I have not been sent any evidence of validation and confirmation. 
XX/XX/22 XXXX, Trans Union and XXXX. 
XX/XX/22 XXXX XXXXXXXX XX/XX/22 Trans Union XX/XX/22 XXXX
Consumer complaint received 2024-10-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc. (MI)

I have been running my XXXX XXXX XXXX XXXX using the Square Inc platform for over 3 years. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and most recently XXXX XXXX XXXX. My contracts, invoices, and all businesses are operated through this platform. This is how I stay organized, legal, and professional. I pay monthly to use these services and have had nothing but issues when it comes to large transactions. 

2 years ago, I had clients XXXX XXXX XXXX XXXX XXXX XXXX. They signed a contract stating they would not get a refund on their deposit as it was paid to hold their date. I attended, XXXXXXXX XXXX XXXX XXXX XXXX XXXX  and they emailed saying how happy they were with the XXXX XXXX Two weeks later I received ONE email stating my account had been deactivated and that I had a negative balance of - {$4000.00}. The client had requested a return of their XXXX for their XXXX  without any email to me, for any reason, simply to get a free service. Without a phone call, email, or opportunity to dispute this reversal and provide proof and a contract, Square Inc. reversed the payment from my account. There were no funds in my account. They refunded the client and then proceeded to tell me I was negative in my account and was being sent to collections, and that I could not operate my business until it was paid.

I ended up paying it back and closing my account. So now I am out {$4000.00} for NO REASON whatsoevermoney I was owed for the service I provided under a legally binding contract. 

Fast forward to XX/XX/XXXX - I have been XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I take in large sums of money all the time for these services. I had a client pay his invoice via XXXX on XX/XX/XXXX, XXXX and processed on XX/XX/XXXX. I received a very odd email from Square Inc. out of nowhere saying they are putting my account under review and I will no longer have access to my money, payments, or funds until I re-verified my account. I immediately submitted my driver 's license, govt ID, and passport along with a selfie. I then received an email the next day, saying my account was deactivated there was no reason as to why, and that they were going to hold all payments for 90 days until XX/XX/XXXX. I then called Square Inc. customer service and asked to speak to a supervisor. I was told that a supervisor would NOT take my call because my account was deactivated. So there was nothing I could do, say, or solve. I just had to wait 90 days. 

Sqaure Inc. 's hold is arbitrary and capricious ; ample proof was given to validate transactions ; and after proof was provided the resolution time was unwarranted.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NJ)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Whom It May Concern at the CFPB, I am submitting a complaint regarding a collection account reported by XXXX from Portfolio Recovery Associates. This account, listed as an open collection with a derogatory rating and a balance of {$1100.00}, has negatively impacted my credit report. 

Account Information : Creditor : Portfolio Recovery Associates Account Number : XXXX Balance Owed : {$1100.00} Status : Open Collection/Late 120 Days Summary of Issue : XXXX is reporting this debt from Portfolio Recovery Associates, despite my lack of any business relationship or account with this company. I am not liable for this debt and have no records of any transactions with Portfolio Recovery Associates. I have disputed this with XXXX, but the report has not been corrected. 

Requested Resolution : To resolve this issue, I am requesting that Portfolio Recovery Associates have XXXX : XXXX. Remove this unverified collection account from my credit report, as no validation or documentation proving my liability has been provided. 
XXXX. Ensure no further reporting of this inaccurate debt on my credit report. 

Thank you for your attention and assistance in this matter. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Control, LLC (NV)

Anoter debit correction company harassed me. It wasn't my bills and they stolen my personal information. I never live in Texas also I don't have any family and friends in Texas. I never signed those company. I'm tired of from Texas 's electric company and debit correction. I have a police report. I would like to request of stop harassing and never contact me.
Consumer complaint received 2020-06-12
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: EQUIFAX, INC. (FL)

I've been a victim due to the COVID-19. I've been given the opportunity from XXXX XXXX  to delay payments due to COVID-19. I'm disputing the Credit Reporting Agency not reporting the correct information on my credit. There are accounts from XXXX that is reporting 30-60day late. I've provided you with proof of agreement and the reporting is still inaccurate. This is a violation of Section 4021 Credit Protection DUring Covid-2019 Fair Credit Reporting Act that was amended and impose due to COVID -2019. According to the amends Act, The : Credit Reporting. Section 4021 ( Credit Protection During COVID-2019 ) amends the Fair Credit Reporting Act to impose new COVID-19 related reporting requirements on furnishers of information to consumer reporting agencies. Under Section 4021, if a furnisher ( for example, a financial institution that lends money to consumers ) makes an accommodation with respect to one or more payments on a credit obligation or consumer account, the furnisher should continue to report the account as current if the consumer fulfills the terms of the accommodation. However, for accounts that were already delinquent before the accommodation was made, then the furnisher is permitted to continue reporting the account as delinquent unless the consumer brings the account current. This new reporting requirement does not apply to consumer accounts that have been charged off. These furnisher responsibilities will apply to reporting on accommodations made to consumer accounts between XX/XX/2020 until 120 days after the end of the COVID-19 national emergency.
Consumer complaint received 2024-10-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC (TX)

Recently, I discovered that Credit Management Company reported a debt on my credit profile under account number accounts number XXXX & XXXX. I do not recognize this debt, nor am I aware of any financial obligation related to this account. In addition, upon reviewing my credit report, I found a duplicate entry for this debt under a different amount, creating confusion and unfairly impacting my credit score. 

I have no prior knowledge of either debt and have not signed any agreements or contracts that would authorize such obligations. Given the duplicate reporting and the discrepancies in the amounts, I believe there may be an error or mistaken identity at play, which has resulted in these inaccurate listings on my credit profile. 

To address this, I submitted a formal dispute to Credit Management Company requesting immediate validation of the debt, including documentation of the original amount, the full account history, proof of my responsibility for the debt, and evidence of Credit Management Company legal authority to collect it. Additionally, I asked them to remove both entries from my credit profile if they could not provide proper validation. 

Despite my dispute, the entries remain on my credit report, leading to ongoing damage to my credit score and an unwarranted burden of unrecognized debt. I am seeking assistance to correct this error, prevent further collection attempts, and ensure accurate information is reported on my credit profile.
Consumer complaint received 2020-01-02
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: Experian Information Solutions Inc. (TX)

i recently learned that my identity had been stolen, and someone, had been using my personal information, without my consent. Ive never lived at such addresses on my report, XXXX XXXX XXXX XXXX XXXX, md XXXX XXXX XXXX, XXXX texas, XXXX cromwell, XXXX texas, XXXX XXXX XXXX , XXXX texas, XXXX XXXX XXXX, XXXX texas, and XXXX XXXX XXXX , XXXX texas. ive detailed to the credit bureaus, about this information, creditors likke, XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX, these companies, i have no relations with, and have never beneffitted from their services. i have written the credit bureaus, asking them to remove this erroneous information, and to date have recieved nothing back from them. i have never given the credit bureaus my cosent, to place any of these, creditors information on my personal credit file. i need my good credit, badly as i am a full time caregiver for my mom, can anyone please help me.
Consumer complaint received 2024-10-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC. (CA)

On XX/XX/year> I received texts asking if I had made XXXX charges ( {$94.00} & {$130.00} ) to XXXX XXXX  that were large. If I had not to reply NO. I had not so I replied no and called per the response. They froze my card and stated they would block the charges. They stated to change my password and would send a new card out. I agreed to this and was very happy with them. They said IF the charges happened to go through which wasn't likely that I could then dispute the approximately {$220.00} in charges and they would reimburse as I had confirmed the fraud and called and reported the fraud right away. The charges did end up hitting my account which I was not happy about but I did as instructed and disputed right away thinking the matter would be resolved right away. I was shocked to receive an email saying that the claim was denied because I " frequently use XXXX and that I continued to fund this account after I saw fraud ''. First of all, I have NEVER used XXXX XXXX. I have used XXXX 3 times in a year for around {$20.00} each time. Never XXXX XXXX. The continued funding of the account was a direct deposit from my employer which was something that I can not control. I intent after this to change banks but it takes a few cycles to update direct deposit and this went through days after this occurred, there was no way for me to control it. Lastly, they did not contact XXXX XXXX  at all during the course of their investigation. I have appealed this decision and their email stated that I needed to provide more information but that they can not tell me what to provide. I have given them the screenshots of the texts showing I responded saying I didn't make the charges and told them look at the call logs and listen to the recordings. I am not sure what else to do. Also, their policy verifies that there is a zero liability policy if you report the fraud within 60 days which they are now in violation of. Thank you.
Consumer complaint received 2023-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (IL)

Discover bank closed my account with out due diligence. They have sent a response to an initial complaint, stating that this balance will remain of XXXX until XXXX reporting on my credit account inaccurately. I was never late on a payment and I am still getting unsolicited emails about this account and paying a minimum balance, althrough Discover has claimed to have closed this account and disputed my claim with no solution. I was never late on a payment and in good standings so again I am more than sure that this is out of compliance in several ways especially in regards to the fair credit reporting laws and to the compliance of a creditor to provide me with time to complete the identity verification, as I had an authorized user who was getting the information instead of me.
Consumer complaint received 2024-10-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC (MI)

I DISPUTE THIS ALLEGED DEBT IN ITS ENTIRETY. XX/XX/year> PLEASE FORWARD 1.BILL OF SALE BETWEEN XXXX AND THE ORIGINAL CREDITOR XXXX. DEBT ASSIGNMENT AGREEMENT BETWEEN XXXX AND THE ORIGINAL CREDITOR XXXX. PROOF THAT YOU HAVE AUTHORITY TO COLLECT THIS ALLEGED DEBT 4.PURCHASE AGREEMENT BETWEEN XXXX AND THE ORIGINAL CREDITOR.
Consumer complaint received 2024-10-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MA)

Dear Sir/Madam, I am writing to dispute the alleged debt mentioned reported by your company. This account is fraudulent, and I have never had any prior relationship or entered into any contract with either of these companies.

The reporting of this account violates both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To resolve this, I am requesting the following documentation : 1. Proof of your authorization under 15 USC 1692 ( e ) and ( f ) to collect this debt.

2. The legal basis for collecting this debt.

3. Proof of your authorization to operate in my state. 4. Evidence of the alleged debt, including any contracts or agreements bearing my signature. 5. A full account history, including all related charges.

Your actions violate FDCPA 1692d, 1692e, 1692g ( b ), and 1692f. I demand the immediate removal of this fraudulent account and a prompt resolution of this matter.

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2024-10-21
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (TN)

My mom bought me a {$200.00} Visa gift card for my birthday back in XX/XX/XXXX. Everyone would tell me to spend it and I would say no, I'm going to hang on to it because no matter what, I will always have that money. Well, in ( XXXX XXXX, remember that ), I bought a new truck and wanted to add some stuff to it from XXXX. Even though the total was more than the {$200.00} gift card, I was going to use it and just pay the rest with my debit card. For some reason, XXXX kicked it back so I paid it all with my debit card. I don't know why, but a couple of days later, I decided to check my balance on the mybalancenow.com website it was {$0.00}. I got on the mybalancenow.com website and it had two sections : My Balance and Transactions. On the My Balance, it showed where my mom purchased it in ( XXXX ), showed I used it in ( XX/XX/XXXX remember ) actually used it ( XX/XX/XXXX ), and it showed XXXX credited my card. In the transactions part, it just showed being purchased and being used. I've called the customer service every single one i could find and they keep saying I have to email XXXX. I've emailed them 6 times, never a word back. Now i cant even get an email to send to them. They are telling me I waited too long to dispute the case which, on their math, would be a 2 years. Of course, their math doesn't know how to add a credit to a debit either, so I don't know. In all reality, what happened was I used my card, the next week maybe two, I checked my balance and started all this. I can not get help on the phone, they just tell me to email the gift dispute same email i cant get ahold of, then whoever I email doesn't even write back. I just want to know first, why does the Balance Now website say in one section debit, then credit, but the other section just shows the debit. And second, I'd like to know why it says I used it in XX/XX/XXXX when I know and XXXX can prove I used it this year, XX/XX/XXXX. If someone could reach out to me at XXXX, it would be great. I just want some answers. I want to know why yall are saying I waited to long to dispute the claim. If i would have used it in XX/XX/XXXX no way I would wait 2 yeard to dispute this. I really want to know why no one will reach out to me or help me with this case. CASE # XXXX. Thank you. If your company would like for me to provide proof I will get XXXX XXXX XXXX and show you. Send letter email text phone call something would be very helpful. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX
Consumer complaint received 2024-10-29
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

Dear Consumer, Financial Protection Bureau, Years ago I had an account with USAA an attempted to resolve a negative balance via offering a settlement to address the amount that was owed at account closure. I was impacted to by job loss was not able to pay off and over draft. Unfortunately I was denied the ability to negotiate and pay off the balance less fees. Therefore, the credit union has reported me to early warning systems. At this time, Im unable to dispute and resolve this negative information that is impacting me from moving forward with establishing a new account with USAA. I would like your assistance in resolving this matter. The account was opened over seven years ago. At this time should this not have been dropped off or removed from the report because of the length of time. What is the legislation for debt reporting guidelines as it relates to information relating to bank accounts non-Credit Card or loan related.
Consumer complaint received 2024-10-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (MT)

I just got off the phone with XXXX XXXX, XXXX. I owe money for to hardships with my wife 's XXXX and XXXX XXXX 

The woman on the phone gave me an buyout offer that was ridiculous. I said no. She then said if I did not accept the offer it would be sent to lawyers for legal action. I told her threatening legal action in collection of debt was illegal. 

She denied the threat after I told her I knew the law. Saying if you don't do this, this will happen is a threat. Is illegal intimidation. 

I also informed her that I am a XXXXXXXX XXXX with no income that can be garnished or seized. Before she threatened me. 

The companies website also makes you sign away rights to see your information. 

This is a shady predatory company with no oversight. You need to step in. Not everyone knows that that's of legal action to collect are illegal. Either you sue or you don't.