davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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 Account Number XXXX has violated my rights. 

XXXX5 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 XXXX 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
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX reporting inaccurate XX/XX/2023 late payment. Per CEO of the creditor XXXX XXXX my account will be update accurately as paid as agreed/no late payment. The payment was received instore on time.
Consumer complaint received 2024-06-23
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Carvana Group, LLC (PA)

Today I was offered a car purchase opportunity. After pre qualifying I was asked to give {$26000.00} as a down-payment. I immediately knew that was illegal per 15 USC 1605 as cash should not be involved where a finance charge is. In addition I'm quite sure that is not an universal advertising price to most customers far as down-payment so it also violates 15 USC 1662 . Not to mention when i asked about the issuance of the Purchase Money Loan per 16 CFR 433.1 the Agent acted as if she was completely unaware of what i was mentioning. In addition the issuance of my consumer financial information on the application and no benefit provided by the company directly violates TILA being an Unauthorized Use. The Agent also confirmed they don't and are not able to adjust contracts making it impossible for a consumer/investor to invoke rights or even not agree with certain terms within the contract. It's almost like they force you to abandon your rights as a consumer and investor. In addition I requested the Prospectus better known as 424b which is their security exchange agreement with the SEC and was denied this information as well. This company truly has some very shady practices that need light shined upon them. Up to this point they have violated my rights as a consumer and an investor which has triggered a report to the FTC.
Consumer complaint received 2024-06-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (NY)

I was a victim of scam by someone named XXXX XXXX with a company named XXXX. On XX/XX/year> she told me on XXXX that she was an agent investor and that if I invested {$200.00}, I would receive {$4100.00}. I sent the money through CashApp which was linked to my debit card. I created a CashApp account this day to send and receive the money. I was then told there was an issue and that I needed to send an additional {$150.00} and that the price I would receive would be {$6700.00}. In total I sent {$350.00} to this person and was then demanded to send another {$1100.00} which I did not do. I paid twice for services I never received. After figuring out that it was scam, I didnt know if they could somehow get the information to my debit card through my account, so I deleted the CashApp account. I contacted XXXX XXXX  on XX/XX/year> about this and a claim was opened and the transaction was reversed on that day, and that reversal was reversed again on XX/XX/year> because the charges were technically authorized and because they can not do anything regarding CashApp. I was then told to contact CashApp directly because they would be able to help, which I did twice today on XX/XX/year>. The first advocate that I spoke to told me that the CashApp account I had used for those transactions was not verified so she could not find it, but to create a new account today, have it verified, and contact CashApp again so they could investigate this situation. I did so, and the second time I contacted CashApp after creating this new account, the advocate told me that because the charges were authorized there is nothing they can do and also because the account was closed. I was told to directly contact the merchant who scammed me. XXXX XXXX  and myself have contacted the merchant and they have refused to refund me the money. I understand that the charges were authorized, but I never received any of the services I was promised, and I dont understand why no one can understand the situation I am currently in. I lost {$350.00} to scam, and of course the merchant will refuse to provide a refund or deny scamming me. Please help me. Thank you for your time.
Consumer complaint received 2023-11-07
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (MD)

I was previously in the reserves component of the XXXX XXXX. During a XXXX XXXX XXXX training in XXXX 2023 I applied for the Amex Platinum Card . Customer representatives assured me that despite my previous status as a XXXX, due to the 45 d XXXX XXXX  stint, I would be approved for XXXX and subsequently have the annual fee waived. I XXXX in the regular component of the XXXX 3 months later and was told that I was not eligible for XXXX benefits because at the time of opening the account, I was not XXXX XXXX. Despite countless conversations with representatives, proving orders showing I was on XXXX of XXXX XXXX when I opened the account, and additional orders showing permanent XXXX XXXX status thereafter, I was given the runaround countless times. Each time the representatives would open an additional inquiry. I would then receive a letter in the mail months later with no information other than, " you are not eligible for XXXX ''. Despite being approved for SCRA benefits, I was told it would not apply retroactively, which is in violation of the SCRA law. Despite countless calls to try and have this straightened out, most of these calls would end with empty promises, representatives hanging up on me, or additional inquiries that wouldn't resolve for weeks later.
Consumer complaint received 2024-06-23
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (WA)

I was contacted by Genesis about an $ XXXX debt from an XXXX  in AZ. I let them know I live in WA state and the debt was not mine. 

They requested information & documents that they needed to clear up the confusion and told me if they got the info they would make sure to remove the debt from me and my credit would not be dinged. 

I asked them multiple times for proof they were not scammers trying to get my sensitive info, for proof of that the debt was mine, & for a secure way to send the requested documents & info. 

They ignored my requests and I assumed they were scammers. 

On XX/XX/XXXX, I got an email from genesis acknowledging that I claimed the debt was fraud. 

On XX/XX/XXXX I set an email letting them know I was working on getting the documents & police report and also asking them to provide proof they were not scammers, & a secure way to send our sensitive documents. 

On XX/XX/XXXX I sent an email because I realized they had dinged my credit which caused a house I was going to buy to fall through and later problems with a car loan. I explained our situation and that were were willing to help catch the person responsible, which they ignored completely. 

I figured if they were able to ding my credit, they were probably not scammers and asked again for a secure way to send the info they wanted to clear up the confusion. They ignored all attempts to get proof of debt, and a secure means to send my sensitive info. 

On XX/XX/XXXX, I sent the the requested documents and they ignored that as well as refused to remove the ding on my credit. They continued ignoring. I also responded to this email on XX/XX/XXXX with the police report number that had previously been supplied via phone call On XX/XX/XXXX, I sent an email reiterating that we had sent them the info they requested to clear up the confusion. 

On XX/XX/XXXX, I called genesis and I was told they would not speak to me about the debt they are trying to collect from me. They claimed they would only speak with an attorney they said was assigned to my case. I told them I had not hired an attorney to speak to them on my behalf. I asked the genesis rep to tell me what attorney was working the case, and he refused to answer. I emailed genesis to document the situation while I was on the phone with their rep. 

The representative continued to ignore my requests to talk about the debt, or the documents and police report case number that I provided for them in emails, he hung up on me. 

I would also like to note that the AZ XXXX  this debt stemmed from, did not run a background check or credit check before placing my name on their debt. All the signing was done online without any verification that was shown to me. They did not have my license, phone number or actual address etc... I told this genesis and they ignored it as they did everything else. 

If you have any questions for me, please call me XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (NY)

I sent my daughter {$600.00} on CASH APP - one transaction for {$100.00} and the other one for {$500.00}. My daughter no longer had that account, so I have been requesting a refund from this company for 11 months - to no avail. The simply state, " We do not refund. '' I am requesting support from you to ry and resolve this issue as it is not fair that I am out the {$600.00}. I am a XXXX XXXX and I do not have this type of money to lose. Pleaswe kindly help. 

Thank you, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-23
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (TX)

I received an Amex XXXX Card physically. On the provided website AmexGiftCard.con/Balance I clicked the link to validate and print the card, which loads XXXX XXXX XXXX  # /account and shows a balance. I attempt to use this on XXXX ( using the full value of the card ). And the transaction is declined. Instead, the transaction failed and I was charged XXXX cents by XXXX. This failure occurred 2 more times. 

Many people have reported having this problem starting this past year.
Consumer complaint received 2024-06-23
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Upgrade, Inc. (WI)

I opened a credit card and checking account with Upgrade Inc., and then tried to close the account. I had to call them multiple times to get them to close the account in XXXX and XXXX, and in XXXX, I found that the credit card was still open and somehow had a fraudulent charge on it that was accruing interest. I wasn't notified about this and now I have to deal with this stuff even though I had tried to close the account over a year ago.
Consumer complaint received 2024-05-13
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. (NJ)

I did not give anyone authorization or consent to use my personal information.I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act.15 U.S.C 1681 section 602 A. States I have the right to privacy. As well as 15 U.S.C. 6802, and the Privacy Act of 1974. This company is also violating Metro 2 Compliance guidelines. This is FRUAD AND IDENTITY THEFT. It saddens me to know that this company has complete control over my livelihood by sharing private personal information that is incorrect or invalid and AGAINST MY WILL. Their power is going completely unchecked, even with the laws in place that are supposed to protect my consumer and civil rights. I will be taking this company to arbitration if the following addresses are not removed immediately
Consumer complaint received 2024-06-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TX)

on XX/XX/XXXX Chime authorized a charge from way, XXXX some online company that i have no knowledge or idea what they offer. I just know my computer was hacked around the same time frame as when the alleged charge came thru!! Chime is the bank provider my visa # is XXXX exp XXXX last .its a visa. XXXX said they had no jurisdiction or info to dispute this transaction or account. XXXX and XXXX said they could not help me and Chime said they refused to take fraudulent item off even though they had no proof the alleged account charge belonged to me.This XXXX fraudulent transaction to this day is still on my check card and it is not an authorized charge by me by any means. I still have no idea what this charge is!!! Please help me .I guess anyone can get there money stolen at any time and chime does not care or know how to handle a situation like this or just don't care or have time to help fix stuff like this!! XXXX if the same thing happened to the chime customer service rep.I wonder how they would react and feel about this. 
XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2024-06-20
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: Resurgent Capital Services L.P. (IL)

These companies are reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreements to show full ownership of such accounts and also other documents so I may review to see if the accounts actually belong to me. Only I can verify if an account belongs to me. According to 15 U.S.C. 1681 Law, there should not be damages on my credit report as it is a deformation of my character. This has left me distressed, emotionally wrecked, and financially burdened. These companies are violating my consumer rights to privacy as they had no permission from me to report anything using my personal information pursuant to 15 U.S.C 1681 4.
Consumer complaint received 2024-06-20
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Paypal Holdings, Inc (NY)

I am trying to log into my pay pal account but when I try and log in it prompts me to receive a text at a phone number I don't have access to. my one and only number is XXXX the attached image is the card associated with my account or at least a previous one, its been a while since ive used the account
Consumer complaint received 2015-11-30
Product: Credit card — 
Issue: Application processing delay — 
Company: JPMORGAN CHASE & CO. (PR)

Hi, I applied online for a Chase credit card on XXXX XXXX, 2015, and I received a e-mail with some information regarding about my online application including that they will let me know about the decision of my application through mail in 30 days. 
After two weeks without any news or mail with the status of my application, I decided to call the Chase Bank through the XXXX number, and the mortgage department answer and told me that they need proof of my address so they can have a proof of my address to approve my credit card application, so we agreed that I am going to send them a color copy of my drivers license in a certificate letter through USPS mail. They received the letter on XXXX XXXX, 2015. After I received that day the confirmation receipt from the USPS I called them to ask if they received or need more documents, they do n't let me know if they received or need more documents. They told me that I need to wait that the processing department have to analyze my information so they will let me know. I called them several times last week and they told me that they do n't know in what status are my application, so they will let me know soon. Last day I called them was on XXXX XXXX XXXX in the morning. 
Today Sunday XXXX/XXXX/2015, I called them again to ask about my status, and someone with the name of XXXX told me that he ca n't found my application in the system and he cant provide me information about my application. 
I ask him his last name and if he is a Chase Bank employee from an XXXX company, and he told me that he is an Chase employee but he ca n't gave me his last name. I ask him to talk with a supervisor and he told me that there 's no supervisors to talk, that the only thing that he can do is run again with my Social Security a new application, and I refuse to do that because I applied before for that and my call to Chase was for that reason, and also I told him my credit score is going to be affected, and I paid for sending to them a certified mail with the information they ask for proof of my identity address. 
I ask him again if anyone there in Chase that could help me and said that I am not in the system and I need to apply again. 
Also I never received from them a letter or email with the status of my application. 
Please help me with this. 
Thank you! 
XXXX XXXX
Consumer complaint received 2024-06-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NY)

In XX/XX/year>, I attempted to pay CitiBank {$700.00} toward my credit card. I made this payment from my checking account with XXXX XXXX XXXX XXXX. CitiBank claims that the payment was returned to my checking account due to insufficient funds, but this is incorrect : the money left my account. Attached is a letter from XXXX XXXX verifying that the money cleared my account and was not returned. I am also attaching a bank statement showing that the money left my account. The money left my account, but it did not get posted to my credit card. Therefore, I am missing {$700.00} through no fault of my own.
Consumer complaint received 2024-06-22
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: PENTAGON FEDERAL CREDIT UNION (RI)

I have already applied for discharge for this loan. See complaint XXXX. This loan should be discharge under the " fruit of the poisonous tree '' statute. This original loan was a part of a lawsuit that has granted the discharge of loans associate with the defrauding of the borrowers. Regardless of it being now private, this should be covered under the above statute. I will be suing PenFed if this is not discharged.
Consumer complaint received 2024-06-20
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Pro Com Services of Illinois, Inc. (IL)

Pro com services of Illinois repeatedly kept calling me at all hours of the day and night. It got so bad that I had to change my phone number. I am tired of the harassment. Additionally medical debt is no longer supposed to be on a credit report for more than 12 months in illinois
Consumer complaint received 2024-06-19
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rent Recovery Solutions (TX)

I am writing to formally dispute the validity of a debt claim made against me. XXXX XXXX XXXX ' email dated XX/XX/XXXX, at XXXX XXXX CT, referenced an alleged debt of {$390.00} purportedly incurred on XX/XX/XXXX. 

I assert that this claim is erroneous. This matter was previously settled with XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ) and adjudicated by the Consumer Financial Protection Bureau ( CFPB ) under Complaint ID : XXXX, dated XX/XX/XXXX. As per the resolution provided by XXXX in response to this complaint, it was concluded that, " On the strength of the documentation provided, we have ordered the account deleted from the credit bureaus. '' Enclosed with this communication, you will find copies of the relevant CFPB complaint and the formal response from XXXX, which substantiates the resolution of this matter and the directive to delete the account from all credit reporting agencies.
Consumer complaint received 2024-06-19
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rent Recovery Solutions (TX)

Event Timeline and Details : On XX/XX/year>, I filed a complaint with the CFPB against Rent Recovery Solutions, under the reference CFPB XXXX, due to issues with a debt they were handling. In response, Rent Recovery Solutions agreed to hold the account and stated it would be deleted from all credit bureaus pending the outcome of a reinvestigation. Despite this, and in direct violation of my explicit instructions under the Fair Debt Collection Practices Act ( FDCPA ), they sold the debt to XXXX XXXX XXXX. This was confirmed through communication with a representative from XXXX, who referenced a new account ( XXXX XXXX. XXXX ) concerning an alleged debt of {$390.00}. 

Specific Requests Ignored : Prior to this, I had requested that Rent Recovery Solutions : XXXX. Cease any further communication or action regarding this invalidated debt. 
XXXX. Remove any reference to this debt from my records in their system. 
XXXX. Refrain from selling or transferring any personal information related to this matter to any other credit or collection entity. 

Impact : This action has caused undue stress and potential harm to my credit and personal reputation, contravening the agreement and assurances provided by Rent Recovery Solutions.