davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (IN)

XX/XX/year> Subject : Complaint Regarding Inaccurate and Unverifiable Collections Account - XXXX/RESURGENT RECEIVABLES Dear CFPB, I am writing to file a complaint against XXXX/RESURGENT RECEIVABLES for reporting an inaccurate and unverifiable collections account on my credit reports with all three major credit bureaus. Despite their claim of verification and validation, the account contains numerous discrepancies and raises concerns about potential violations of the Fair Credit Reporting Act ( FCRA ). 

Account Information : Creditor : XXXX/RESURGENT RECEIVABLES Discrepancies in Account Information : I have attached and highlighted all discrepancies across all three credit reporting agencies. These discrepancies include, but are not limited to : Account Type Details : Incorrect information about the type of account ( e.g., loan, credit card ).

Account Status ( XXXX ) : Inaccurate status reported ( e.g., charged off, collection ). 
No. of Months ( terms ) ( XXXX ) : Incorrect number of months listed for the account. 
High Credit ( XXXX ) : Inaccurate credit limit or balance reported. 
Payment Status ( XXXX ) : Incorrect payment history listed. 
Last Reported, Date Last Active ( XXXX ) : Inaccurate date reported for the last account activity. 
Date of Last Payment ( XXXX ) : Incorrect date reported for the last payment made. 
XXXX  XXXX History : Discrepancies throughout the reported XXXX history of the account. 
Efforts to Resolve : I have disputed the information with all three credit reporting agencies, attaching the highlighted discrepancies as evidence. 
I have attempted to contact XXXX/RESURGENT RECEIVABLES to request verification of the information, but their response has been unsatisfactory. 
Concerns and Alleged Violations : The numerous discrepancies suggest that the account information is inaccurate and potentially fabricated. 
XXXX/RESURGENT RECEIVABLES ' failure to provide proper verification raises concerns about potential violations of the FCRA 's requirement for accurate reporting.

These inaccuracies have negatively impacted my credit score and could limit my access to credit and financial opportunities.

Request for CFPB Action : I request that the CFPB investigate this matter and take appropriate action against XXXX/RESURGENT RECEIVABLES, including : Ordering them to investigate the account and provide accurate information to the credit reporting agencies. 
Ensuring the inaccurate information is removed from my credit reports. 
Holding them accountable for any violations of the FCRA. 
I am confident that the CFPB will take this matter seriously and help me achieve a fair resolution. 

Thank you for your time and attention to this complaint. 

Sincerely,
Consumer complaint received 2021-03-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (NY)

I got scammed through XXXX XXXX and cashapp out of $ XXXX.I was trying to call XXXX  costumer service about a reoccurring amount taking out of my account. Went online searching for XXXX  support billing. Got a number and called them and from there I started getting scammed
Consumer complaint received 2018-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

THIS COMPANY DISCOVERED A BREACH OF PERSONAL INFORMATION ON XX/XX/XXXX AND DID NOT REPORT IT TO THE PUBLIC UNTIL XX/XX/XXXX. MEANWHILE THERE IS SOMEONE PUTTING INQUIRES ON ALL MY CREDIT REPORTS BECAUSE THEY HAVE MY INFORMATION AND THE COMPANY HAS FAILED TO INFORM ME OR ANYONE OF THAT MATTER. IT TOOK 6 WEEKS FOR MYSELF AND OTHER CONSUMERS TO FIND OUT, WHILE IN THE MEANTIME CREDIT REPORTS AND SCORES ARE BEING AFFECTED. ON TOP OF THAT IN THEIR FINDINGS 3 EXECUTIVES DECIDE TO SELL THEIR SHARE OF THE COMPANY AND PROTECT THEMSELVES AND OUR PERSONAL INFORMATION HAS BEEN COMPROMISED. I ALSO FOUND A NAME ON MY CREDIT REPORT AS A COBORROWER OF WHICH I HAVE NO KNOWLEDGE OF BY THE NAME OF XXXX XXXX. PLEASE REMOVE THIS NAME FROM MY FILE AS WELL.THESE UNAUTHORIZED INQUIRIES SHOULD BE REMOVED FROM ALL THREE OF MY CONSUMER REPORTS IMMEDIATELY - 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 OF MO ; 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 I ; XXXX ; XXXX XXXX ; XXXX ; XXXX XXXX ; XXXX CA.
Consumer complaint received 2024-01-30
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Interest rate
Company: Mr. Cooper Group Inc. (LA)

I have already submitted a complaint with regards to this issue, but Mr. Cooper ignored the state law that applies to XXXX XXXX military that states that the date of the loan does not matter as long as the member is XXXX XXXX in Louisiana. I am requesting that my loan be lowered to 6 % from 6.625 % and I am payed back for the amount I have paid over 6 % since closing on the loan on XX/XX/XXXX. I have been stationed in Louisiana since XX/XX/XXXX and qualify under the state law. 
Attached below is a link to the Louisiana state law that writes " Notwithstanding any provision of law to the contrary, no creditor in connection with an obligation entered into on or after XX/XX/XXXX, shall charge or collect from a person, or spouse of a person, who is on XXXX XXXX interest or finance charges exceeding six percent per annum during the period that the person is deployed on XXXX XXXX. '' The second link from the state legislature also says " A. Notwithstanding any provision of law to the contrary, no creditor in connection with an obligation entered into on or after XX/XX/XXXX, shall charge or collect from a person, or spouse of a person, who is on XXXX XXXX interest or finance charges exceeding six percent per annum during the period that the person is deployed on 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
Consumer complaint received 2024-01-27
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 (WI)

I was gifted an American Express gift card, and I am unable to use it anywhere. Not XXXX, tried to use it to buy a XXXX gift card at a grocery store by adding it to my digital wallet at that store, didn't work either. Now I have a bunch of pending XXXX cent transactions on the card from it trying to be verified. 

All I read online is how these don't work anywhere, trying to see if I could just get a check for the amount. Thank you
Consumer complaint received 2024-01-27
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with a check written from your prepaid card account
Company: AMERICAN EXPRESS COMPANY (VA)

I filed a complaint XX/XX/XXXX since the prepaid gift card sent to me wasn't working ( complaint XXXX ) and they said they would close the card and send me a refund check to my address within XXXX business days on XX/XX/XXXX. They closed the card but never sent the gift card amount to me in the mail. It's been XXXX business days, which is past when they said it would arrive so I'm assuming they stole the money and don't plan on sending me a check. 
I'd like a tracking code or proof of delivery because it never arrived since this company has a history of regular corporate greed and I don't believe they ever planned on sending the refund check.
Consumer complaint received 2024-04-24
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. (GA)

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. According to the Fair Credit Reporting Act, Section 611 of the FCRA you are required to promptly delete all information that is inaccurate, incomplete or which can not be verified.It is also my understanding that Under the FCRA 15 U.S.C & 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations.The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and or standards and must be removed immediately.
Consumer complaint received 2021-02-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (DC)

I received a 1099 form from Square , Inc. for XXXX loan or something. I did not do this. 
I did not use this business, I did not receive the money, I did not apply to this business. 

I have tried to contact them, but no success, I have sent two emails to the organization to get information on this issue, I can not get a human person. I do not have an account anywhere. This is fraud, someone used my SS number and I can't access any thing regarding this account.
Consumer complaint received 2024-04-24
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: EQUIFAX, INC. (TN)

I received a letter in the mail from a collection agency XXXX XXXX XXXX XXXX that states that are representing on behalf of XXXX XXXX XXXX. I asked them to validate this account as I have never heard of this creditor and they sent me a bill stating that I owe them {$1000.00}. I looked this company up and they do not have a license to collect in the State of Tennessee. Please delete this collection agency from collection or reporting on my XXXX, Equifax, or XXXX credit report if it is reporting.
Consumer complaint received 2024-01-27
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: DISCOVER BANK (TN)

I had contacted XXXX XXXX XXXX ( the owner of my debt ) and agreed to a settlement. Settlement was fully paid on XXXX/24. Discover is still reporting a balance of ~ {$1100.00} on my account. I filed a dispute via XXXX have the balance corrected. On my credit report ran on XXXX/2024 it still stated I had the balance. I submitted a dispute same day, and they verified the balance as accurate. I would like this debt removed as I am no longer responsible for the debt, the settlement payments had been updated for the balance went from ~ {$1800.00} to ~ {$1100.00} after I had paid {$750.00} to settle it.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-01-27
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

On XXXX I noticed a {$12.00} service fee was taken out of our account, went to the branch, and spoke with XXXX XXXX President : XXXX XXXX  XXXX, who closed the account and advised that I would receive the service fee back, but a form needed to be submitted by her, on XXXX sent in for review on XXXX I received an e-mail " review that was done and was approved for reimbursement. XXXX. The branch visit was advised that it would be in the form of a check. On XXXX Branch visit, XXXX requested that I send her the e-mail which I did. On XXXX. Branch visit was told I would get a phone call, never received it. On XXXX left a VM for XXXX to call. On XXXX another VM On XXXX call to customer service was put on hold and I was advised I should contact the Branch. On XXXX Branch manager submitted a form to reopen to receive the {$12.00} to be applied to the account. On XXXX received a call from XXXX stating, " She'll look into it again and talk with her manager and get back to me on XXXX. On XXXX sent an e-mail to XXXX requesting an update. XXXX received a phone call from XXXX working on it but she doesn't feel her manager will approve it and that should file a complaint. All along XXXX advised me that it should not have happened and it was the principle of it. My account had a very large sum in it for years. Due to many bank errors that had to be corrected after I informed them, I decided to withdraw on the advice of XXXX, still showing the {$12.00} fee that should have been reimbursed to me. As per insutruction, I from the Federal Reserve faxed the approval from B of A along with the B of A form Account Maintenance completed by XXXX dated XXXX
Consumer complaint received 2024-01-27
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc. (WA)

I had a credit card payment due in XXXX, I went online and made a payment and several days later I checked the credit card account and it said the payment had been canceled. So I tried making another payment, and the same thing happened, my account said the payment was canceled, I called the credit card company and spoke to a representative and she said it was probably a problem with my bank so I called my bank and they said they had no evidence of any payments made to that credit card company. Trying to clear my account. Now they are charging me a late fee and its showing up on my credit report as being late, I spoke to a representative at the credit card company yesterday and she said she would give my complaint to their accounts department and I would get an email and I received an email stating that my request to have the late payment fee removed was denied
Consumer complaint received 2024-04-24
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. (PA)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on 03/15/2024, and I have not yet received a response.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-01-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (PA)

To whom it may concern, please understand that I was approached by an XXXX woman via a phone call who intentionally called me in order to start a relationship with me. Over the course of several months, she nurtured the relationship with me in order to convince me to invest money on the XXXX XXXX platform which I did and my investments began right around the XXXX XXXX XXXX, 2023. I started transferring first small, then bigger, and bigger amounts of money from my Wells Fargo account in order to support my investments, with her as my broker and guide. Somewhere around XXXX this year is when I saw what I had assumed were profits from my investment efforts, which were falsely presented and utterly fabricated. This is when I wished to withdraw my earnings, however, she informed me there was a problem with my account and that I should contact the support team. The support team asked me to pay taxes for my alleged earnings and even connected me to an individual who represented themselves as a US agent of Law Enforcement. After being asked to pay taxes in XXXX different states as well as an Anti-Money Laundering tax, I sadly realized that I was being scammed all along. My total investment amounted to XXXX USD at that point and this is the total amount I had transferred from my Wells Fargo account to the XXXX XXXX platform in order to fund my investment which I believed to be a real endeavor. I was absolutely crushed when I realized that I was being tricked all along, maliciously manipulated into giving away my fund. I am a father of XXXX XXXX  and the reason I was doing something like this is to support my family and help my XXXX  on their lifepaths. In these trying times, with agile professional thieves lurking and engaging honest, hard-working, and family-oriented people like myself, I must turn to the conclusion that I could have been protected on a higher level by you, my bank of choice . I must question why this type of erratic activity on my account was never investigated and why I was not stopped from making these ill-decided investments. I must ask you to honor my choice of you as my financial services provider and my long-term loyalty and help me by reimbursing this amount of XXXX USD that you have helped facilitate from my account into a non-lucrative investment, induced and led by scam artists which predate and make use of your system and client negligence to this very day. I humbly request that you help me get back on track with my life as a father of XXXX XXXX XXXX  that need me to provide for them and assure me that my client relationship with you is a valuable one and that I have not wasted all these years by putting my trust in you to guard my assets, even against bad decisions I might make, maliciously persuaded to do so or otherwise.
Consumer complaint received 2024-01-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Blitt and Gaines, P.C. (IL)

I had a debt with XXXX XXXXXXXX XXXX, btw I am using my daughters email address as I dont have an email address of my own because I dont check email. 

Anyways, I lost my job during the period of having that credit card account. I called XXXX XXXX and told them, they were not very helpful and said sorry call us when you can pay {$600.00}, that was apparently my minimum. I was not working and couldnt afford it. 

I got collection calls about this debt and explained my situation. I never received collection letters and I keep my mail for 3 years. I have no collection letter about this credit card. 

Next thing I know, I am receiving letters from Blitt and Gaines saying I will be sued?!?! 

How can I be sued when I was never given any collection letters from XXXX XXXX? 


I called Blitt and Gaines several times, emailed them, and sent them a letter to ask for a settlment agreement. They have not responded. I am XXXX XXXX XXXX and not working. My poor daughter is unemployed and using her unemployment money to help pay this debt. I am in deep turmoil. They are threatening to sue me without any due process of debt collection and arent willing to work with me on a settlement. Its unfair and illegal.
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I am submitting this CFPB Complaint to express my extreme dissatisfaction with the inaccuracies contained in my credit report. Upon reviewing my credit report, I discovered several errors that are negatively impacting my credit score. This is unacceptable and I demand immediate action be taken to correct the erroneous accounts, in accordance with the Fair Credit Reporting Act ( FCRA ). I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. I require the Credit Reporting Agencies to investigate and correct the following accounts from reporting erroneous and inaccurate information on my Credit File : XXXX XXXX  Opened XXXX. XXXX, XXXX Balance {$3400.00} XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$410.00}. As we are undoubtedly aware, under Section 611 of the FCRA, it is the Credit Bureaus responsibility to ensure that the information contained in credit reports is accurate and up-to-date. I have fulfilled my obligation by bringing these inaccuracies to the Credit Bureaus attention. It is now the Credit Bureaus obligation to investigate and remove these errors within 30 days, as required by law.
Consumer complaint received 2024-01-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Comerica (CA)

On XXXX XXXX 2023 a charge was made in XXXX, PA for {$9.00} on my Direct Express debit card and on XXXX XXXX 2023 another charge was made in XXXX, PA for {$150.00}. I live in California and no one other than myself had access to my card or account.. Both these charges were not made by me nor did I approve them. They were both fraudulent charges. I tried numerous times to explain to Direct Express that the charges were fraudulent and not made by me and I demanded my money back. After numerous attempts they got back to me and said they will not reimburse the funds. They also charged me {$17.00} twice for a new debit card and express mailing fees. I feel that is not right, I am on Social Security and its a very limited income. I would appreciate if you could look into this matter for me. 
Thank you Service Request # XXXX