davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc (TX)

I paid for something I never got and disputed it and contacted the carrier and the seller along with Affirm and I was forced to pay for it. I had other loans and was told it was going to lock me out of my account if I didn't pay that specific XXXX so I defaulted on all of them and was just waiting till it went to collections to pay off the ones for things I actually received yet Affirm doesn't do Good Will or Pay to Delete so my credits ruined. I have no issue paying off everything I actually got but they forced me to pay on something I didn't and made it sound like a a replacement was offered some senior type person and the seller never followed through and ignored me. If they would offer a good will after payment or pay to delete I will pay everything off except the XXXX item. This has ruined my credit and no matter what I do its on there for XXXX  years. I can't do anything with my credit even with secured credit cards. I've reached out to them over XXXX times now about this and nothing. They just give the copy paste email or phone number to respond to which I've already tried over XXXX times with no help.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ID Analytics, Inc. (MI)

I have noticed a hard inquiry on my consumer report with the following information : XXXX Important dates Inquiry date XX/XX/XXXX. this is an unauthorized inquiry I would like removed. I did dont provide permissible purpose for this inquiry under 15 usc 1681. This company does not have my express written consent to access my consumer report. I have called this company several times and they insist that I do not have an open account or any active applications. Credit inquiry must be pursuant to the last present FCRA. this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C.

1681 ET SEQ. Section 604 of Fair Credit Reporting Act I have noticed a hard inquiry on my consumer report with the following information : XXXXXXXX XXXX ( Finance ) XX/XX/XXXX, XXXX. this is an unauthorized inquiry I would like removed. I did dont provide permissible purpose for this inquiry under XXXX usc XXXX. This company does not have my express written consent to access my consumer report. I have called this company several times and they insist that I do not have an open account or any active applications. Credit inquiry must be pursuant to the last present FCRA. this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C.

1681 ET SEQ. Section 604 of Fair Credit Reporting Act I have noticed a hard inquiry on my consumer report with the following information :. 
XXXX ( Bank ) XX/XX/XXXX this is an unauthorized inquiry I would like removed. I did dont provide permissible purpose for this inquiry under 15 usc 1681. This company does not have my express written consent to access my consumer report. I have called this company several times and they insist that I do not have an open account or any active applications. Credit inquiry must be pursuant to the last present FCRA. this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C.

1681 ET SEQ. Section 604 of Fair Credit Reporting Act
Consumer complaint received 2024-07-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (GA)

Upon my viewing my credit report I noticed a company by the name of Jefferson Capitol System. I am a XXXX XXXX and travel a lot so I am not always able to monitor my credit report. However, I noticed that this company has placed a trade mark on my credit reports and it needs to be removed. I am reaching out to you for assistance.
Consumer complaint received 2024-07-23
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: JPMORGAN CHASE & CO. (NY)

Dear Chase Customer Service, I am writing to express my deep dissatisfaction and concern regarding my Chase CD account ( business account ending XXXX XXXX XXXX ). 

When I opened this account, I was promised a 5 % interest rate for 60 days. However, when I attempted to move my funds out at the end of this period, I found myself unable to do so. To my shock, my account was then locked in at an interest rate of less than half a percent, unless I paid a significant penalty to access my own money. 

This situation is unacceptable. Additionally, I have been hospitalized for the past month and have been unable to visit a Chase branch to address this issue in person. This experience has added undue stress to my recovery process. 

I urgently request that you unfreeze my funds and transfer them to my checking account immediately. Your prompt attention to this matter is critical, and I expect a swift resolution to avoid any further inconvenience or distress. 

Thank you for your understanding and cooperation. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-27
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (NY)

This is my second recent complaint against misleading American Express XXXX XXXX practices that violate Truth In Lending and other applicable laws. Yesterday, XX/XX/year>, as my business partner XXXX XXXX XXXX XXXX trips in support of our travelling business, she informed me that the card had been declined. Without notice, and even though I never had an untimely payment, and all my accounts are in good standing, XXXX XXXX American Express abruptly decreased my credit limit from {$15000.00} to {$9000.00}. The card was a perk for purchasing times shares with XXXX XXXX XXXX. Nobody made it clear that there would be abrupt decreases in the credit limit even though the account remained in good standing. This interfered with my business. On top of everything, I sent XXXX XXXX American Express {$2400.00} just to demonstrate good faith and that my accounts deserved to remain in good standing. Any minor fluctuations in my XXXX score was due to the fact that I was using the XXXX XXXX American Express for business purposes. The card and the time share deal substantially boosted my travelling business. This has to stop. I have NEVER in my life been late on a payment or had an account in bad standing. The misleading practices have to stop
Consumer complaint received 2024-07-23
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (OK)

The company National Credit Systems is attempting to collect a debt that is not owed to XXXX  XXXX XXXX. I have disputed XXXX other collection agencies regarding the same debt. Once the XXXX major credit bureaus removes the collector, a new collections from a new collector is added. National Credit Systems has been disputed with the three bureaus every 30 days for three months now.
Consumer complaint received 2024-07-27
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (AZ)

I attempted to transfer my funds from my prepaid account to my personal checking account. On XX/XX/XXXX, I initiated a transfer of {$850.00} and received a transfer attempt success email. I checked my checking account on XX/XX/XXXX to find the funds missing. I reviewed my prepaid account and the funds were in my account again. I called Way2Go 's customer service number at ( XXXX ) XXXX several times but was met with a menu robot and unable to speak to anyone directly. I called my bank to confirm the issue was not on their end. They confirmed no attempts to transfer the funds had been made and that there was no reason why my account would deny the funds. I've attempted another initiation on XX/XX/XXXX but won't be shocked to find it unsuccessful by tomorrow. I've looked online and have found other similar complaints have been made on websites like XXXX.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC (GA)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Transworld Systems Inc. regarding an unresolved dispute over an alleged debt originally from XXXX XXXX XXXX The details of the account in question are as follows : Original Creditor : XXXX XXXX Original Account Number : XXXX Current Alleged Balance : {$280.00} Nature of Complaint : Despite my attempts to resolve this matter directly with Transworld Systems Inc. , my requests have been ignored. I sent a formal dispute letter to Transworld Systems Inc., requesting validation of the alleged debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ). To date, I have not received any response or proof of debt from them.

Instead, Transworld Systems Inc. continues to report this unverified debt to major credit reporting agencies, which negatively impacts my credit score and financial reputation. Their failure to provide the requested information and the continuous negative reporting is causing undue stress and hardship. 

Steps Taken : Dispute Letter : On XX/XX/year>, I sent a detailed dispute letter to Transworld Systems Inc., requesting validation of the alleged debt. The letter was sent via certified mail to ensure receipt and included comprehensive details about the debt and my demands for verification.

No Response : Despite the certified mail receipt, Transworld Systems Inc. has not responded to my dispute letter nor provided any proof of the alleged debt.

Negative Reporting : Transworld Systems Inc. continues to report the alleged debt negatively on my credit reports, further exacerbating the situation.

Attached Documentation : I have included a copy of the dispute letter I sent to Transworld Systems Inc. for your reference and review.

Resolution Sought : I kindly request the CFPB to intervene and assist in resolving this matter. Specifically, I ask for the following : An investigation into Transworld Systems Inc. 's practices regarding this alleged debt. 
A directive for Transworld Systems Inc. to provide the requested validation of the alleged debt.

Removal of any negative reporting related to this alleged debt from my credit reports until the debt is validated.

Assurance that Transworld Systems Inc. complies with the FDCPA and other relevant consumer protection laws. 
Thank you for your attention to this urgent matter. I hope for a prompt resolution to avoid further damage to my credit and financial standing.
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (GA)

XXXX XXXX XXXX XX/XX/year> XXXX Driver License XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : XXXX XXXX XXXXXXXX [ XXXX ) Account # XXXX Routing # XXXX Regions Financial ( XXXX ) Account # XXXX Routing # XXXX XXXX XXXX  ( XXXX XXXX Account # XXXX Routing # XXXX I don't recognize the following accounts in question. I'm a victim of identity theft and I don't recognize these accounts on my report. Im requesting the following information be deleted from Early Warnings Consumer report immediately! I've attached a copy of the report to this request. 

Thank you for your assistance Sincerely XXXX XXXX
Consumer complaint received 2024-07-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Early Warning Services, LLC (FL)

I sent {$4000.00} to a family member using XXXX XXXX XXXX via Zelle. It was debited from my account, but, not received to the recipient. His bank XXXX, sent an email instantly when the transfer was completed stating that the funds could not be deposited. I have been bank and forth with the bank and XXXX  XXXX Customer Service, but not one has a solution and it seems like no one wants to return the money that is in the air right now or find a solution. 

Zelle customer service told me they cant do anything about it, because it was done through my bank 's mobile app. My bank has told me that the issue is not on their end, that the money was sent and indeed it has been debited from my account. XXXX ( recipient 's bank ) stated that the money was never received from Zelle therefore they can not provide any support. My family member is registered with Zelle, phone number appears valid on the app, his name appears as well, it is not a registration issue. 

I have called everyday since XX/XX/XXXX. The transfer was initiated on XX/XX/XXXX @ XXXX XXXX  and immediately the recipient received and email at XXXX XXXX  that the funds could not be deposited or completed. It seems there is an issue with Zelle, but they have not responded, it is not the first time this has happened to other users. The money is in the air, taken from my account, but not deposited to the recipient. If they can not complete the deposit it should be returned to me, not be kept by them. Every time I speak to a Truist supervisor they state that the Zelle system shows that it should be deposited within XXXX business day, and XXXX hours pass and the system says another business day and so on. Days will keep on passing and the system will just update another XXXX hours and the issue will never be resolved. 

My bank has opened up a fraud claim, but it is not fraud, most likely it will come back as denied. Zelle does not provide any assistance to my bank either, there is no Zelle department or specialized agents in that matter. 

The bank XXXX states that they have no history of funds being sent to them, therefore nothing can be done on their end. 

I submitted an online form complaint to Zelle as well and no response either. 

If I can please receive assistance.
Consumer complaint received 2024-07-23
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (CO)

I requested a description of the procedures used to verify their claim, as indicated in my letter sent XX/XX/year>, Certified mail # XXXX XXXX XXXX XXXX XXXX. I requested Validation i.e. chain of title and actual assignment of any debt instrument to their account per purchase agreement as Proof of Claim of their standing to demand repayment of a debt, to provide proof of debt ownership and validity. as well as evidence that I agreed to interest charges in any contract.
Consumer complaint received 2024-07-23
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC (FL)

This company has sent me letters has tried to contact me numerous amount of times Ive told them that Im not paying because of the fact that I did not even activate the services that they were providing to me because my Devices were not paid off. They still proceeded to put it on my credit when they should have not
Consumer complaint received 2024-07-26
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: Block, Inc. (NV)

On XX/XX/year> I checked into XXXX XXXX XXXX  IL I was charged {$130.00} plus a {$100.00} hold I was told by the hotel manager  that they will release my hold immediately at checkout and my financial institution may take 5 to 10 business days to return my hold to me on XX/XX/year> I checked out and received a final receipt for a total of {$130.00} and the hotel verbally confirmed they released my hold I waited on XX/XX/year> I reached out to Cash App support to tell them they still had my pending total wrong I sent them a copy of the final receipt they refunded me {$0.00} on XX/XX/year> I reached out again by phone and I was told they needed the final receipt from the hotel showing my actual total I sent that in an email I was then told they needed that receipt to show the company header and the final balance my card was charged by the hotel I reconfirmed to them that all of that was in the email I sent she then said the email came in XXXX different screenshots and she needed it all in XXXX so I immediately emailed them a copy that had all the requested information again and this time in XXXX picture I got an email back stating they dont currently monitor the email and I should reach out through the app so I went back to the previous email and yet again for a XXXX XXXX time sent the final receipt on XXXX page showing my total balance at checkout was {$130.00} XXXX received no reply its now XX/XX/year> and the balance is still pending on my card for {$230.00} XXXX business days after the inial charge
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: SYNCHRONY FINANCIAL (GA)

XXXX  XXXX is on my credit twice XX/XX/XXXX and XX/XX/XXXX Syncb sams on there twice XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  on there twice XX/XX/XXXX and XX/XX/XXXX XXXXXXXX XXXX XXXX  on there twice XX/XX/XXXX and XX/XX/XXXX I have filled for identity theft I will be reaching out to the companies next
Consumer complaint received 2016-01-15
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: FRANKLIN AMERICAN MORTGAGE CO. (VA)

I refinanced my mortgage on XXXX XXXX. My current mortgage servicer at the time stated that they did not get the payoff amount until XXXX XXXX. Since the loan was still serviceable on XXXX XXXX they took a payment for the month of XXXX. When I contacted them about this they did refund the principle and escrow portions of the extra payment but not the interest portion totaling {$700.00}. So in essence I paid and additional {$700.00} for a transaction that should have taken place one day earlier. The main problem is that ALL mortgage refinances are completed on the XXXX of the month and my HUD form this transaction states the XXXX of the month. This is not sufficient for my former servicer and they state that they owe me no more money.
Consumer complaint received 2024-07-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Penn Credit Corporation (FL)

On XX/XX/year> i used one of the parking lots managed by XXXX XXXX XXXX in XXXX, FL ; on the premises they posted signs of QR codes that will redirect you to a website to pay for parking, so I did. I paid an initial amount for {$5.00} and i overstayed my initial parking but they also didn't take payment past midnight, so I left the premises. a few weeks after the fact I received letters from said company threatening to send me to a collection agency if I didn't pay {$90.00}, i tried to dispute and bargain with them but the company doesnt let you speak to a human agent. After two months of receiving several letters from them, i received communication from PENN CREDIT CORPORATION, several letters a week and daily calls from said company threatening legal action/damage my credit report if i didn't pay said debt. I never entered an agreement with Penn Credit, i never provided any financial information to them and they are calling me and my family on a constant basis.
Consumer complaint received 2024-07-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Payward Ventures Inc. dba Kraken (UT)

In XXXX XXXX, I was solicited by someone presenting themselves as representatives of XXXX XXXX XXXX  to invest money in financial services or products. This investment turned out to be unsuccessful and/or fraudulent and I lost a substantial amount of money. The total loss I experienced was {$55000.00}. 

I was solicited by someone presenting themselves as representatives of XXXX XXXX XXXX to invest money in financial services or products. This investment turned out to be unsuccessful and/or fraudulent and I lost a substantial amount of money. All payments to XXXX XXXX XXXX were made in the way of cryptocurrency ( crypto ) transactions to wallets nominated as beneficiary wallets by the representatives of the unlicensed financial broker. All such transfers were made through my wallet hosted by Kraken. I consider the beneficiary wallets being an integral part of the fraudulent scheme behind XXXX XXXX XXXX. I also know that under the so-called travel rule, virtual assets services providers ( XXXX  ) are put under certain obligations, which include collection and keeping record of information about the beneficiary wallets, especially about if the beneficiary wallet is hosted ( including the hosting exchange ) and/or if the beneficiary wallet is unhosted. Based upon the understanding that Kraken is acting compliant and will provide the due care towards its own wallet-holders ( such as me ), I have send a relevant request for provision of information ( Attachment called " XXXX XXXX XXXX XXXX Letter of Demand to Kraken ( XXXX ) '' and " XXXX XXXX XXXX XXXX XXXX Against Kraken ( CFPB ) '' ). Such letters were solely based upon the assumption that : ( a ) Kraken should have collected the requested information as a part of their regulatory obligations ( if it has acted XXXX as it declares and advertises ) ; ( b ) neither part of the information requested is considered confidential and is not protected under any law ( it does not qualify under any rules as personal information ) ; and ( c ) I have justified legal interest to have knowledge about the beneficiary wallet holder and about the crypto exchanges that possibly hosted wallets, to which I made transactions. 

As a matter of fact, said letters are requesting information ONLY about the name of the beneficiary person and the location ( hosting entities ) of the beneficiary wallets where I have transferred crypto from my Kraken hosted wallet. It is based upon the travel rule requirements imposed on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( v. XXXX ). With slight deviations in the thresholds and the required information to be recorded, similar regulations are adopted by XXXX, XXXX, and XXXX. Unfortunately, Kraken failed to provide a response to my justified request.
Consumer complaint received 2024-07-23
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: World Acceptance Corporation (TX)

Im a victim of identity theft, I have an FTC report and a police report proving its not mines. XXXX XXXX  is continuing to lie stating this account is mines. Ive uploaded proof numerous of times through XXXX. XXXX removed blocked the account in XXXX, just for them to unblock it in XXXX and say that they cant dispute it for fraud anymore.