davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (TN)

On XX/XX/XXXX, a payment was made to Ally Financial and they accepted it then claimed to return it due to insufficient funds. They claim to have refunded it but they have not, then we had to pay a late fee on top of scrambling to get money together for another payment. 

The payment history on my end does not show any refund attempt, other refunds were made on other transactions and showed the return/cancelation but not this one. 

Its been almost 2 months and we are still going back and forth with them while they give us the runaround and try to sidetrack the call.
Consumer complaint received 2023-11-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: A.R.M. Solutions, Inc. (GA)

A.R.M. Solutions ( California License No. : XXXX began robo texting me XX/XX/2023 at XXXXXXXX XXXX regarding a debt owned to them by a company named XXXX. I am not XXXX and owe this company no debt so I replied STOP to end the texts. I then began receiving calls from A.R.M. Solutions. They call and ask to speak to XXXX. I reply that I am a private citizen and am not XXXX nor am I responsible for XXXX 's bills. They keep telling me they will take my number off the account but the calls still come. Yesterday, XX/XX/2023 at XXXX XXXX  I was home sick and received another call from A.R.M. Solutions asking to speak to XXXX regarding a debt. I informed the person I was done with their lies to remove my number and that I was filing a harassment complaint with the FTC. 
I want these calls to stop. A.R.M. is perfectly capable of using XXXX to contact someone with XXXX in order to have this debt paid, yet they continue to call and harass me. The persons calling me have promised multiple times to stop calling me yet they continue. I would like a copy of all the records of their calling and harassing me so I can pursue legal action.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (HI)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

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 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 2023-09-16
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (KY)

I am being charged to pay for an apartment that I never had possession of during this time period. I was placed on a wait list and was never assigned a unit. I was charged an amount of money that has not been explained and I can not receive any information as to why this is on my credit history.
Consumer complaint received 2024-02-29
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (MI)

Hello, this is the 3rd complaint i am filing now on behalf of myself and my problems with Freedom Mortgage. You dismissed my last complaint because you said it was the same issue as my first complaint. this is not so! As a result of your involvement, the first issue which had to do with TAXES was resolved! The company refunded the illegally seized taxes which i was not required to pay. However, after that time, I requested a new breakdown of escrow payments to the mortgage company. This has not occurred. I requested this because the company has forced place my homeowners ' insurance with one of their conspiratorial companies to inflate my escrow when they are well aware that i have XXXX homeowners ' insurance. They have been provided proof of insurance so why am i paying double??? Why is my insurance being forced placed when i have homeowners ' insurance? and the policy is intact? This is different than the illegal confiscation of my taxes. Why do you at the CFPB feel that the response from the offending company should warrant a closing of my complaint without requesting information from me? This is completely separate from my very first complaint which was resolved favorable to me. I hope this is clear enough. I would like an accounting for the amounts being charged to me by this rip off company Freedom Mortgage. The only freedom is that the CFPB is letting them run free to rip off consumers.
Consumer complaint received 2024-02-28
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NJ)

I got a {$75.00} American Express virtual reward card. I have tried to use it at many many different online stores, and it will not work anywhere. I have called customer service multiple times. They tell me websites it will work on and to try there, but it does not. This is ridiculous and customer service is no help.
Consumer complaint received 2024-02-28
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (NY)

I purchased a Chain back crop tee in black from XXXX XXXX Company website on XX/XX/2023. I went to XXXX XXXX store to see if my top was delivered and ready for pickup. The XXXX XXXX associate stated no. This was a free store pickup, I requested. I again visited XXXX XXXX store to pick up my top. The XXXX XXXX associates inquired the order information. I provided the details of the order and still my tee wasnt there. I then messaged XXXX  XXXX Customer Service, about my tee not being delivered at the physical store. XXXX XXXX  Customer Service informed me that the item was delivered. I never received nor got any updates on my email alerts and messages. XXXX XXXX Company lied to me, about my tee being delivered to the store and it wasnt there. This is XXXX XXXXXXXX error on their part and I shouldnt be responsible to pay for a merchandise I didnt receive at all.
Consumer complaint received 2024-04-16
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. (FL)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the EXPERIAN credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX
Consumer complaint received 2024-02-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC (WA)

In XX/XX/XXXX I got a notice of collections from debt recovery services with the original debt originating from snap finance for the amount of {$700.00}. I called the collection agency to find out what this was about where the debt originated and how this couldve happened I was told Where it originated in the date which was in XX/XX/XXXX then inform them that Ive been in prison since XXXX technically Im still incarcerated Im at a federal Halfway House which I got there XX/XX/XXXX and Im set to be released XX/XX/XXXX. I informed them that there is no possible way of couldve opened this account and that this is not mine I do not acknowledge it and Im not going to pay it. This is the second collections account that has appeared on my credit report. I dont know why this one took so long to show up but when I got released and did my first credit pole, I had a collections account from a XXXX account and XXXX XXXX which I provided the documentation to show I was incarcerated and could not have opened this account and it was removed from my credit report account number is XXXX
Consumer complaint received 2023-10-25
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: JPMORGAN CHASE & CO. (IL)

Dear Regulator, I do not want to renew my CD at maturity. This preference can be mentioned at CD opening account or before maturity. All other banks offer this feature and capability to set renewal preference. 

I have open two CD accounts in 1st of XX/XX/2023, it is keep renewing automatically without my preference. Even customer representative can not change renewal preference, I have to call them one day before maturity.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XX/XX/XXXX, i reached out to XXXX and multiple companies that are reporting inquires on my consumer report directly to XXXX, who still furnishes the information without my consent o knowledge. 

XXXX told me to reach out to the companies individually and verify with them that there are no accounts being reported, then send it in writing and add a complaint with CFPB so they could remove them. I am doing so here. Listed below are the companies and dates in which the inquires took place without my knowledge. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX both companies told me since there was no record of the actual application there was nothing they could but, they told me they could not provide that to me I writing and to file a fraud complaint and send it to the bureaus to have it situated. 

CAPONE NA, XX/XX/XXXX police report was filed last year about this, the account was terminated and removed from credit report but the inquiry remained. Police report filed, disputed with the actual agency and XXXX, was told to complete a complaint with CFPB. No account was ever created, activated, applied for, or had by me for reference. 

XXXX XXXX, XX/XX/XXXX Police report filed, disputed with the actual agency and XXXX, was told to complete a complaint with CFPB. No account was ever created, activated, applied for, or had by me for reference. 
XXXX XXXX XXXXXXXX XX/XX/XXXX Police report filed, disputed with the actual agency and XXXX, was told to complete a complaint with CFPB. No account was ever created, activated, applied for, or had by me for reference. 
XXXX XXXX XX/XX/XXXX Police report filed, disputed with the actual agency and XXXX, was told to complete a complaint with CFPB. No account was ever created, activated, applied for, or had by me for reference.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (AZ)

Columbia is reporting a debt and trying to collect on a debt that is included in my bankruptcy. They are reporting false information on my XXXX credit reportXXXX XXXX XXXX  is included in my filing.
Consumer complaint received 2024-04-16
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. (OH)

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 need to be investigated and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX Balance : {$120.00} XXXX XXXXXXXX Balance : {$900.00}
Consumer complaint received 2023-09-16
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc. (SC)

Credit management XXXX XXXX XXXX has sent an {$84.00} charge to collections that is false and doesnt exist. They never sent any bills or have any proof. XXXX themselves, never sent a bill or said anything about any money owed when I simply switched addresses. The company has many people who do not know their job. It is clearly a mixup and they are simply lying to get money they do not deserve. There are many reports of this deceit from this company.
Consumer complaint received 2024-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (UT)

Citibank has a promotion going where you open a new checking account and make two enhanced direct deposits totaling {$1500.00} or more and they'll give you a {$300.00} bonus. 
XXXX XXXX XXXX XXXX ). 

I opened a new account on XX/XX/XXXX and made the deposits on XX/XX/XXXX and XX/XX/XXXX totaling {$1500.00}. These were sent from my dad 's XXXX account as I do not have XXXX and the funds were settled in my account. 

On XX/XX/XXXX I initiated a transfer out of my Citibank account to my dad 's Citibank account using Citibank Global Transfer. There was no indication that this transfer would not go through. 
On XX/XX/XXXX my dad told me he never got the transfer so I tried to log into my account to see what the problem was. At that point I learned that my account was locked. I called Citibank to ask what the problem was and they would only tell me that my account was closed due to fraud and I'd be receiving a letter about it and remaining funds issued in 30-60 days.

I asked for details about the letter and to talk to a supervisor, but they would not give me any additional information.
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

i recently reviewed a copy of my credit report. i was shocked to learn that i have been a victim of identity theft. i found numerous accounts on my credit report that were not open by me. this has been hurting me as i am in the processof buying a home for my family.please remove the feaudulent accounts from my credit report as soon as possible. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

This complaint to EQUIFAX for allowing inaccurate information and fraudulent accounts on my credit report. As I checked my recent credit report, the inaccurate information and fraudulent accounts are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX.
Consumer complaint received 2024-02-28
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Atlanticus Services Corporation (NJ)

On XX/XX/XXXX I notified ASPIRE that I have been a victim of identity theft and the fraudulent account being furnished on my consumer reports must be removed immediately. On XX/XX/XXXX ASPIRE responded with a refusal to comply with my instructions, the FCRA, FDCPA and my consumer rights. This is my 2nd attempt instructing you to remove the fraudulent account you have furnished on my consumer reports without my consent which is unlawful pursuant to the FDCPA, defamation of character and a violation of 15 U.S.C. 1681s-2. Be advised that an employee looking at their computer screen, seeing my name, address and/or other personally identifiable information listed in their database is NOT verification or validation of any alleged debt ( s ). Validation of debt is competent and valid evidence that I have some contractual and lawful obligation to pay you. Please note, a copy of the consumer credit contract is not sufficient to validate a debt. Validation requires presentment of the account and general ledger statement signed and dated by the party responsible for maintaining the account ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, Id like to inform you that you may be liable for your willful non-compliance as per FDCPA 807. You may be aware that sending unsubstantiated demands for payment through the United States Mail System might constitute mail fraud under federal and state law. Your failure to satisfy this request within the requirements stated in the Fair Debt Collection Practices Act will be construed as your absolute waiver of any and all claims against me, and your tacit agreement to compensate me for damages, costs and attorney fees should legal action become necessary.
Consumer complaint received 2024-04-16
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)

Recently I did an investigation on my credit report and found several items on there to be inaccurate.

( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately.

Listed below are the Personal Information that are being challenged : Employer - XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, GA, XXXX Employer XXXX XXXX XXXX Incorrect DOB : - XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, GA, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Listed below are the Accounts that are being challenged : XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged : XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX I am writing to bring to your attention my knowledge regarding your unlawful practices involving the distribution of standardized letters as responses to consumer disputes and challenges, without considering the specific details provided by each individual. Such actions are in direct contravention of the provisions outlined in 15 U.S. Code 5 1681i, which explicitly mandates that every dispute and challenge must be treated independently and evaluated on its own merits. I wish to emphasize that the letters I have submitted were generated using widely accessible software. Therefore, failure to process these letters would represent a violation of my rights as a consumer. Regrettably, I must view such non-compliance as a deliberate disregard for my rights, leading me to seek legal recourse by engaging the services of a lawyer. 

I conclude my communication with you with a genuine sense of professionalism and sincerity. 

My First and Last name is : XXXX XXXX
Consumer complaint received 2022-12-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (CA)

This is for CashApp, as there are five transactions in my account that were unauthorized, fraudulent and not completed by me. All the money saved in my CashApp account was wiped out by someone who had unauthorized access to my account. An online hacker specifically. I have contacted Cashapp support more than once, and they refuse to help me with this issue in order to get my funds back. They closed the investigation and claim that I did authorize the transactions. My savings was wiped clean, and CashApp refuses to help me with my dispute. 

These are the following unauthorized transactions : XXXX. XXXX {$12.00} XX/XX/XXXX XXXX. XXXX {$3400.00} XX/XX/XXXX XXXX. XXXX {$3400.00} XX/XX/XXXX XXXX. XXXX {$1200.00} XX/XX/XXXX XXXX. $ XXXX {$1200.00} XX/XX/XXXX XXXX
Consumer complaint received 2024-02-28
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (TX)

Spouse died on XX/XX/2023. I phoned to cancel all credit cards. Every bank did so successfully, except Citibank. I mailed death certificate 3 times to Citibank via US Post Office. I phoned 6 times. I tried to cancel via chat. Citibank has mailed to my dead spouse, 3 new credit cards. Yesterday, XXXX, I received the 3rd credit card. I called XXXX to cancel and to ensure that this card is not activated. Citibank refused to cancel the card. There was a balance of XXXX when I phoned to cancel the card the first, second, third, fourth, fifth, and sixth time. Please help me to cancel this card sent to my dead husband.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently reviewed again my XXXX, XXXX and TransUnion credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of 15 USC 1681n for reporting false information and without a permissible purposes.