davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (MT)

I've already paid this company for an account I had with then in XXXX. Instead of clearing the record they. Reported a different amount and are failing to provide any record of where this debt came from account number on one report starts with a bunch of XXXX and then some numbers and on another report it's a series of different numbers filled by some XXXX. That is both inaccurate and in complete
Consumer complaint received 2023-04-21
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. (NJ)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Consumer complaint received 2024-08-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Mercari, Inc. (OH)

The company or app called Mercari had let me create my account and list an item of my personal property for sale. Now upon making the listing I had a buyer purchase my item and as soon as they done so Mercari cancelled my account and closed me out from being able to cancel the sale or anything. INSTEAD MERCARI PROCEEDED ON THEIR OWN WITH MY property and sold it to this buyer. The buyer who loved the item was happy and since I was left unable to cancel the sale I figured well at least I'll be able to get my money for it. Well wrong I am they kept the money and instead of canceling the sale and I could have left with my familys property they sold it and are now keeping the money. They won't speak to me or give me a reason for the closure of my account nor speak to me to allow me to get my funds back. And I tried speaking to them over XXXX times and all they said to me was they stand by their disscison and I even uploaded my state driving license and the keep shutting me out. I just want my money and they already sold my property so I need help. I am a XXXX and they will not listen to me.
Consumer complaint received 2024-08-28
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (TX)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (AZ)

AMEX is reporting on my credit report that I owe the company when the account was paid in full. The credit bureaus keep verifying that a balance is still owed and the account is verified which isn't correct. 
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. Pursuant to FCRA Section 605B it is illegal to report any information on my credit report without my permission.
Consumer complaint received 2024-08-27
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Self Financial Inc. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  IL, XXXX XXXX XXXX XX/XX/year>2024 XXXX Dispute of Closed Account on Credit Report To Whom It May Concern : I am writing to dispute inaccurate information regarding a closed account that appears on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ) Section 623A. The account in question is with XXXX  and is listed under the account number XXXX The details of this account, as reported, are inaccurate because the account was reported as closed by the creditors the account is showing as closed with a balance, but it was paid in full before closing Under the FCRA, I am requesting that you investigate this matter and either correct the inaccurate information or remove the erroneous details from my credit report. Please notify me in writing once the investigation is complete and the necessary corrections have been made. 

Thank you for your attention to this important matter. I look forward to your response within XXXX  days, as required under the FCRA. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Block, Inc. (CO)

Ive been having trouble verifying my identity on CashApp since I turned XXXX. I ended up closing the account Ive had for 4 years and made a new one, hoping that it would resolve the issue but I ran into the same problem. Contacted the customer support agent once again and complained about the problem, and got the exact same copy-and-paste response which was to use my full legal name, which Ive obviously tried hundreds of times on both accounts. I get the same error message saying something doesnt match up. Customer support is useless and never actually answers the question you ask.
Consumer complaint received 2024-08-09
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. (NY)

I took proactive steps to address inaccuracies or issues on your credit report by writing three dispute letters and one debt validation letter to Experian on the following dates : XX/XX/year>, XX/XX/year>, and XX/XX/year>. Despite these efforts, the actions taken by Experian were to simply update the merchant information without providing any further validation or substantive resolution to your disputes. This response indicates that Experian confirmed the information with the merchants but did not provide additional validation details or address your concerns more comprehensively.
Consumer complaint received 2024-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: NerdWallet, Inc. (CA)

I got a nerd wallet card, and I have been trying to close my account. They have not allowed me to close my account. 

On their website they said cancel 1.phone 2.email On phone they said they cant close it. They said email. Then I emailed. They asked for information. I sent the information. They asked again. I sent it again. Still not closing my account.
Consumer complaint received 2024-08-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc. (TX)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

This auto loan payment was due on XX/XX/year>, I made the payment on XX/XX/year> through a bill payment service with my personal checking account. The bank I have the loan through states that they did not receive the payment until XX/XX/year> and reported it 30 days past due. I called the bank I have the loan through multiple times and they stated they could not do anything and to dispute with the credit bureaus. I disputed with all three credit bureaus providing proof of the payment being deducted from my checking account on XX/XX/year> and the late payment was not removed from my credit reports. I don't see why this payment was not received for an additional 12 days after it was made.
Consumer complaint received 2023-07-27
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: EQUIFAX, INC. (GA)

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 2024-08-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Block, Inc. (IL)

On XX/XX/XXXX of 2024 cashapp charged my main linked bank account {$100.00} claiming that the funds were added to my cashapp account. This was not the case. I did not authorize this and the funds were not added to my cashapp account. Cashapp simply took {$100.00} from my XXXX XXXX Banks account. I disputed this with my bank and cashapp refunded the {$100.00} back into my XXXX XXXX Banks account. They are claiming that I did receive the {$100.00} in my cashapp account and spent the money. This is simply not true and the numbers do not add up in cashapps favor here. As of today ( XX/XX/XXXX of 2024 ) cashapp deducted {$100.00} from my cashapp account making my account go negative. At XXXX XXXX time I called customer support with cashapp and was unable to resolve the issue. This phone call should be recorded. The customer representative simply said that " cashapp does not make mistakes and it couldn't be an accounting error. '' I have one of my jobs directed deposited to my cashapp and frequently use cashapp. Their accounting statements do not add up.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MoneyLion Inc. (PA)

I was never late on this account. 
Please show me documentation showing proof of such transactions. Showing that I was ever late to support your inaccurate reporting on my account. If you can not supple this please delete this alleged late payments from my credit report. FCRA allows 30 days for this to be rectified.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Spring Oaks Capital, LLC (AL)

There are several inaccurate accounts on my credit report that I have tried to address with the actual creditor, collection agency, and credit bureau they have ALL failed to provide me with the requested information. I am now seeking to summon them ALL to small claims court to assist with rectifying the situation. I have asked them numerous times and they have ALL stated that they have verified this account belongs to me without providing proof as requested. This is causing me great stress and if this is not fixed asap, I will be suing ALL.
Consumer complaint received 2024-08-27
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Conduent Incorporated (NV)

Unable to use Conduent 's Way2Go card to access my unemployment benefits. Each time I try, I am charged a fee for a transaction that never completes. 

I have tried numberous ACH transfers to my XXXX account ; and several ATM withdrawal attempts. All have been unsuccessful. When I eventually was able to contact their customer service department ( by using all XXXX as my social security number ), I was told to send certain verification information to XXXX and that I should receive a response in 2-4 days. 

No response, of course.
Consumer complaint received 2024-08-27
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions (NY)

Rent Recovery Solutions LLC XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX Re : Debt Validation Request Reference Number:XXXX  Attention Rent Recovery Solutions LLC : I am writing to you regarding a debt that you have claimed I owe. I do not acknowledge this debt and am requesting that you provide validation as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 
Under the FDCPA, I have the right to request validation of the debt, and you are required to provide me with the following information : Proof that I owe the debt : Please provide the name and address of the original creditor, the amount of the debt, and an itemized statement showing how the debt was calculated. 
Verification of your authority to collect : Please provide documentation that you are legally authorized to collect this debt on behalf of the original creditor and a copy of the assignment contract that gives you authority to collect on this debt. 
Chain of custody : Please provide a complete chain of custody that shows the ownership and assignment of the debt from the original creditor to your company. 
Original agreement : Please provide a copy of the original agreement that I allegedly signed when this debt was incurred, which includes the terms and conditions. 
Your state license : Please provide proof of your license to collect debts in [ Your State ] and the date of issuance. 
The name and address of the original creditor. 
The date of the original debt and a detailed statement of the amount owed, including the principal, interest, fees, and any other charges. 
Copies of any contracts or agreements that I have signed, showing that I agreed to the debt. 
Proof that the debt is within the statute of limitations in my state. 
Evidence that you have the legal right to collect this debt, such as a copy of the assignment or purchase agreement. 
According to the FDCPA, 15 U.S.C. 1692g ( b ), while you are validating this debt, you must cease all collection activities, including reporting this debt to credit reporting agencies, until you have provided the requested validation. Furthermore, if you continue to pursue this debt without validating it, you will be in violation of federal law, and I will report your actions to the Consumer Financial Protection Bureau ( CFPB ) and my state 's Attorney General 's office. 
Please be advised that any attempt to contact me in any form ( phone, mail, etc. ) without validating this debt is a violation of the FDCPA and may result in legal action. 
I expect to receive your response within 30 days from the date of your receipt of this letter. Please send all correspondence to my address listed above. 
Thank you for your attention to this matter.
Consumer complaint received 2024-08-27
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: DISCOVER BANK (SC)

Noticed in XX/XX/year> {$4200.00} was taken from my high yield savings through discover bank. XXXX XXXX XXXX XXXX XXXX. Incident report was closed and money was retunded along with issuing new account. Discover would not give me any information on what they found- I was worried my information was compromised. 2 months later ( XX/XX/XXXX ) around XXXX i received a notification {$10000.00} was removed from my discover savings. I go on the account and its the same ACH XXXX XXXX XXXX XXXX. Filed a report with discover immediately and called to follow up today ( XX/XX/XXXX ) as no updates have been given and they tell me the transaction has been deemed legit and they will not be refunding the money. My husband and I called XXXX XXXX but they are not able to send us a written statement confirming we have no accounts. I verified all 3 branches of XXXX has no accounts open with our information. I have filed with the FTC for Identity theft, The FBI and filed a local police report with XXXX XXXX.
Consumer complaint received 2024-08-27
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: AMERICAN HONDA FINANCE CORP (AZ)

I went into the local Honda dealer on XX/XX/year> and asked what it would look like to purchase my leased car. The sales man was very high pressure and talked me into purchasing my lease. I went in the very next day after discussing the details with family and realizing that he lied about a lot of the purchase and the rate on the loan was way higher than he told me. I asked them to reverse everything and just allow me back into my lease. They said that they did. Nothing changed in the system on their end by on XX/XX/year> they ran a hard credit check 2x. I was not told this was part of the process, Because I was leasing it was implied that no credit check was required. I only recently found out that this was on my report. I also reached out to Honda directly but have not heard anything from their customer service.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MoneyLion Inc. (FL)

Hello, My name is XXXX XXXX XXXX, XXXX. I currently reside at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, which is in XXXX XXXX XXXX I am writing this complaint as a Notice of a request for material disclosures, which were not delivered to XXXX XXXX XXXX, XXXX. This information was omitted, and is now being requested. I, XXXX XXXX XXXX, Consumer, am requesting the XXXX form that was used to verify the identity of XXXX XXXX XXXX XXXX and a copy of the XXXX form. XXXX XXXX XXXX, is furnishing inaccurate information onto the consumer reports of XXXX XXXX XXXX, severely oppressing and harming the financial reputation of said XXXX.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: American First Finance, Inc. (AL)

I am writing to file a formal dispute regarding the inaccurate reporting of a charge-off account on my credit report by American First Finance . The account in question is referenced above. I believe that this reporting is in violation of 15 U.S.C. 1601, commonly known as the Truth in Lending Act ( TILA ).

Under the provisions of the Truth in Lending Act, creditors are required to ensure that all credit information provided to consumer reporting agencies is accurate, clear, and not misleading. The charge-off status reported by American First Finance fails to meet these standards for the following reasons : 1. Inaccurate Information : The charge-off was incorrectly reported or may not have been fully validated by American First Finance . This reporting does not reflect the true nature of my account or the circumstances surrounding it.

2. Failure to Provide Clear Disclosures : American First Finance may not have provided me with the necessary disclosures or information related to the account, as required under TILA. This lack of transparency has directly impacted the accuracy of the information reported to the credit bureaus.

3. Potential Violation of Fair Credit Reporting Practices : The continued reporting of this inaccurate charge-off has resulted in significant damage to my credit score and financial standing. This is a violation of my rights as a consumer under federal law. 

I have made every effort to resolve this matter directly with American First Finance but have been unsuccessful in reaching a satisfactory resolution. I am now seeking the CFPBs assistance in ensuring that my credit report is corrected and that the charge-off is removed. 

I kindly request that the CFPB investigate this matter and work with American First Finance to correct the inaccurate reporting on my credit file. 

Thank you for your time and attention to this important matter. I look forward to your prompt assistance in resolving this issue.
Consumer complaint received 2024-08-27
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (AL)

Continued harassment from XXXX XXXX a collection company for XXXX trying to collect on a Fraudulent account. I reported this a fraud, as this is not my account. The T-Mobile phone I had as paid in full years ago. I paid in full because I was dissatisfied with their service. They continue to post this on my Credit Report for the last 4 years causing my credit rating to drop from an Excellent to XXXX effecting housing and employment opportunities. Contacted XXXX, they said this is not on report and refuse to move this company and update my report.