davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FirstPoint Collection Resources (NC)

I am not aware of this debt. I wasn't given a chance to dispute it. I didn't receive proper notification. If indeed you believe I was provided proper notification. I asked that you provide certified letter with the receipt with my signature. Showing that I received it.
Consumer complaint received 2024-07-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (AL)

I closed the Cash App account because of suspected fraud and there were other accounts leaked to my Cash App account. Also cash app sent a card and XXXX me from viewing the card so I close the account to my dismay. Cash app has reopened that same account without my permission they are determined to continue to use my account to conduct fraudulent business. The picture of the account was taken today, although the Cash App account was closed days ago. I want cash app to answer through this portal because the attorney generals office is going to ask. Did I exhaust all avenues with CFPB Cash app is refusing to answer through this portal and sent an email stating that I should answer them directly not through this portal and then sent me an email saying they were closing the case.
Consumer complaint received 2024-07-06
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (DE)

My credit report is showing two collection accounts, the collection company is Southwest Credit system XXXX account XXXX, Southwest Credit System XXXX account XXXX received no written notification about this debt. I had no time to dipute this debt. I am disputing these collections as well as requesting debt validation. In this debt validation I would like to see the contract I signed with the original creditor guaranteeing I pay this debt with my signature, detailed history of payments, proof that you have the chain of title to collect on this debt. Without being able to provide any of this information I am requesting these collections be removed immediately.
Consumer complaint received 2024-07-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (GA)

My information is illegally being shared without my consent. This is causing harm to credit worthiness by violating my rights under 15 USC 1681 ( b ) 2 Permissible Purpose- any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ). in accordance with written instruction of the consumer to whom it relates, and also under 15 USC 6802 - Obligations with respect to disclosures ; a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title ( b ) Opt Out - A financial institution may not disclose nonpublic personal information to a nonaffiliated third party ( B ) the consumer is give the opportunity before the time that such information is initially disclosed to direct that such information not be disclosed to such third party. I did not give XXXX XXXX, XXXX or XXXX ) permission to share my information, nor was I give the opportunity to OPT OUT of having my information shared with consumer reporting agencies. This is a clear violation of the rights and I have a right to my privacy.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Kikoff Inc. (GA)

Information showing on my Consumer Report is incorrect, I do not have an account with these companies, Kik Off Lending and XXXX XXXX, they are sharing my unauthorized information to a Consumer Reporting Agencies ( XXXX XXXX, XXXX, and XXXX ). 15 USC 1681 ( b ) - Permissible Purpose of Consumer Reports- Any Consumer Reporting Agencies my furnish information under the following circumstances and no other : ( 2 ) in accordance with written instruction of the consumer to whom it relates. I do not have accounts with these companies, nor did I give written consent for my information to be shared with Consumer Reporting Agencies. This is causing harm to my livelihood and damaging my credit worthiness This is a violation of my rights, I have a right to my privacy
Consumer complaint received 2024-07-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MI)

My payment was due on XX/XX/year> and I paid the full {$100.00} on XX/XX/year>. The payment is fully processed in their system and the funds were removed my bank account. My account is showing past due by 6 days even though the payment was received prior to the due date. I called on Friday ( XX/XX/year> ) and was told that XXXX system showed I was fully paid and that the past due payment was a glitch on my side that would be resolved. I received an email on Sunday ( XX/XX/year> ) stating my account was past due. I called on Monday ( XX/XX/year> ) and was told that it was not a glitch and that my payment was received, just not allocated to my loans. I was told it would be fixed by XXXX on XXXX. On XXXX  ( XX/XX/year> ) my account was still showing past due and I called NelNet back and was told that it would be fixed by XXXX. I called back at XXXX and was told my request to allocate my payment was rejected and that I could not get a letter stating my account was not past due, because they incorrectly allocated my a payment making it past due, even though the payment itself was not past due and paid prior to the due date. This is a reporting error on XXXX side as the payment was made timely and they made an error with allocating the funds to the loan.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (MI)

In XXXX of XXXX  I repeatedly attempted to get XXXX to delete my information, provide me a consumer report and the list goes on. I've also asked for online access and to remove a security freeze. They will do nothing. I have attached correspondence from XXXX  up through until today of these attempts with them. I want my report, I want deletion of information due to being a victim of XXXX  XXXX and I want access to my online portal. I keep providing them my id and it goes ignored. XXXX was the contact person who failed to help me. I've even sent them court documents but still nothing.
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (GA)

I disputed information on my credit report because I have not received anything from the debt collection company or that my loan was sold. I was approved for XXXX benefits and they still reported my account as delinquent and put it in collections. XXXX has removed the account from my report but XXXX and XXXX has not
Consumer complaint received 2024-07-03
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Prosper Marketplace, Inc. (CA)

I opened a Prosper Credit Card and never once missed a payment ; however, the card was practically rendered useless as they would restrict the card every single month to review 'potential fraud '. I have called them multiple times, but when they refused a charge for a copay for my doctor and my car insurance, stating their policies prohibit charges from doctor 's offices and similar vendors, especially while I was undergoing flare-ups of a medical condition, I had it. I tried talking to XXXX different people at Prosper Services, and upon finding out they chose to block charges to medical providers, given my condition, this is, to me, blatant medical discrimination. I have met my obligations and never missed a payment, but I'm subjected to discrimination and the refusal of them to pay charges when I only used perhaps a quarter of the limit of the card, which is {$1500.00}. 

I felt diminished. I am working a full-time job, pursuing my MSW, and it was utterly cruel to dehumanize me by refusing to pay ongoing medical charges and copays. And what's more, they were clear on this over the phone. It was blatant. While health care providers can refuse to take credit cards, credit card companies can not refuse to pay medical providers if their customers are paying the bill at the end of the month. 

I paid off the card and closed it today XX/XX/year>. I can not hold a card where the company participates in medical discrimination. I am very concerned about other customers of this company that they are marginalized and disenfranchised.
Consumer complaint received 2024-07-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (TX)

My funds from the federal government my XXXX taxes were sent to US bank in error by my XXXX XXXX. Once the irs was able to track down were my funds went they provided me the contact information for the bank. I have been working on this for months and nothing has been resolved my funds of XXXX were sent to this bank that does not have my name or my joint spouse name on the act it is not ours we do not bank with them and it was sent in error. The irs stated US bank should have rejected the taxes and returned my funds back to the irs. They did not and will not help me everyone I have talked to acts as if its not a big deal to them I spoke to mangers and even asked for the number to coorperate. The bank is called US bank there number that the irs provided me with is XXXX XXXX XXXX. I was told to contact them by the irs to have them send the funds back to them since they stated my funds should have never been able to through to an account that doesnt have mine or my joint partner listed and the bank should have rejected and returned the funds. The bank has not helped in anyway stated they would call me and update me and have not done so when I call someone gives me a different answers Im stressed and tired of dealing with this its causing so much anxiety and Im about ready to sue this company for causing me so much stress and not just simply returning my federal income taxes back to the irs. Please help me.
Consumer complaint received 2024-07-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: ALLY FINANCIAL INC. (ME)

I always pay above the amount due on my credit cards. Ally credit card I have been paying {$150.00} a month for the past 4 or 5 months. On XX/XX/XXXX, I scheduled a payment of {$150.00}, which was deducted from my checking account but then they took the entire balance of {$1000.00} out as well, which I did not authorize. 
I only get {$1400.00} in Social Security benefits each month to pay my bills. I never would have authorized that much money to come out all at once. I told XXXX at Ally but she insisted that I authorized it and said it would take 2 weeks to just check into it. They had no right to take out more than authorized ; I told her it must have been a computer glitch but she didn't care and was very rude. 
I contacted my credit union and filled out paperwork advising them of the same because of my monthly bills coming out of that account. I didn't want all of the overdraft fees as my bills are mostly autopay since collecting Social Security. It's the only way XXXX can budget in this economy. 
The credit union put a dispute on the account and put the money back in for now but this is just temporary pending Ally 's investigation. I also uploaded a document to the Ally website stating that I did not authorize such a large payment. 
I can't get a response to this and it's been several days. 
I have never been late with my credit card and have always paid more than the balance due each month. There was no reason for the company to take that much from my account.
Consumer complaint received 2024-07-07
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (MD)

Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. 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 2024-05-17
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: Experian Information Solutions Inc. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-20
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (CA)

On XX/XX/2019 I made a purchase of {$10000.00} for a kitchen remodel with Home Depot and we applied for their credit card with us through Citibank. Citibank automatically put the purchase on 6 months financing. I contacted Citibank inquiring about getting at least a 12 month finance at that time. I was not aware that they should have automatically put it on a 24 month special financing because it was a new card and they never offered it to me. After I found out from my Home Depot consultant we tried to have it extended to the 24 months they should have done originally. Because I had already requested the 12 month Citibank is refusing to extend it to 24 month which they should have done in the first place. They are telling me because I made the request they cant change it again but not taking any responsibility for their mistake. The last person I spoke to was XXXX XXXX in the executive response unit.
Consumer complaint received 2024-07-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC (OR)

My mortgage loan was recently transferred to Nerwrez in XX/XX/year>. Previous to that, I was working with my previous loan servicer to have PMI removed. They confirmed that once I had 80 % LTV ratio, that the PMI could be removed. I paid for the BPO ( brokers price opinion ) and submitted the itemized list of home improvements that were completed, and all other documents that were required. The appraisal came back verifying that we do have the 80 % needed in order to cancel the PMI. They, then forwarded this information on to Newrez. Newrez denied removing my PMI stating that 70 % was required to remove PMI. I asked where they got that figure from, and wanted to see that requirement in writing, however, they have not been able to provide anything. I have my original loan documents stating that only 80 % is required to remove PMI. I also have the information from XXXX XXXX website that states that 80 % LTV is required for a home that is the primary residence. The call center refuses to help stating that there is nothing they can do. I asked for a different phone number that can help, and conveniently this department doesnt take phone calls. I have filled out an online dispute form, with no response. I have also sent a separate email to the loan servicing department. No one has done anything. They can not legally change the terms of my loan.
Consumer complaint received 2024-07-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

US Bank located at XXXX XXXX XXXX XXXX, XXXX, CA XXXX has frozen my account and has not provided me of any justifiable reason. The managers at the bank don't understand why it happened and they reached out for more information but were just told it is still under review. 

What i was told what flagged my account was a check i deposited via the mobile deposit in their app. This is a official check from the State Controllers Office with the State of California. I have been receiving checks from them for 8 years now without issue until now. The only difference is that they are usually direct deposit and this one was a paper check i deposited via the mobile app. Im so confused as to why they have disabled my account and are reviewing my account for closure over this. The local bank managers don't seem to understand why it is happening either.
Consumer complaint received 2024-07-06
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc. (TX)

First off, this is regards to XXXX XXXX XXXX Business phonenplan with XXXX- They have renamed the account to my personal company. Two very different XXXX # XXXX It's XXXX 
They also notified amshercollections AL OFFICE Stating I was responsible for XXXX $ in debt for un returned equipment. That I have receipts for and returned in store then verified the information with. Store clerk. This past week not only did they lie and were notified numerous times about the misrepresentation of the falsely claimed owed debt but the equipment wad returned in XXXX on the XXXX of 2023. And they claimed they didn't have it. I have returned each mobile internet tower that CAN NOT BE USED without their service what purpose would I have to keep the non functional equipment. 

This past week on Saturday I went to XXXX. The woman ont the phone at XXXX would not help me if I went in to the store to verify who I was!!!! They also, then never spoke to me again. They are running from the false claim of debt owed to the company. It's ridiculous they at the collections agency pretty much told me to XXXX XXXX we validated the debt. They have literally charged me thousands for equipment that that acount was CLOSED & UNUSED. CLAIMS OF USAGE, & EQUILMENT LOSSS! THEY ARE LYING. it's affect my credit in the tune of XXXX points I lost because of it. They are not cooperating. They refused to removed the debt. EVEN WITH PROOF
Consumer complaint received 2024-07-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

On XX/XX/year> I received a notification from a XXXX stating that my credit score decreased by XXXX points because a company called PORTFOLIO RECOVERY ASSOC reported that I owe {$500.00}. I was not notified about the debt owed nor do I have any knowledge about owing this debt. I worked hard to my credit for a year however, there has been a major decrease in my credit score due to this debt which has damaged me mentally because I have no idea where this debt is coming from.
Consumer complaint received 2024-07-02
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (TX)

I called Discover. They said my account was closed. I did more digging. The website said I made a fraud alert with bureau and I need to call Discover to update. I called them, they said they couldn't help and to call XXXX. I called XXXX, XXXX said I had no credit fraud alerts, so I called Discover again. They kept transferring me until ultimately someone said my account was closed due to a business decision, with no further explanation. I pay everything on time, I have never missed a payment, I pay it all down every month using money from my job, which just gave me a promotion yesterday and a bump in salary. I did just go to XXXX XXXX and XXXX though and used it there no problem. This all happend today.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (GA)

This innacurate unverifiable account is severely impacting my ability to obtain credit. I have confirmed accuracy from the clerk of the court to certify that the information on PACER is 100 % accurate, ( there is no case of record ). Furthermore, they claim that they did not report any information to the consumer reporting agency. 
However, you said the item was verified? How was said items verified? Which person from the bankruptcy court certified the accuracy of the information? 

Bankruptcy case # XXXX
Consumer complaint received 2024-05-17
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. (NC)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.