davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-04
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)

My name is XXXX XXXX, and I am sending this request in response to a letter I received from Experian Credit Bureau that they wont process my request to dispute inaccurate information in my credit file. The information Im disputing is INCORRECT & I NEED THESE MATTERS HANDLED IMMEDIATELY. I do not recognize the information listed below and I request that Experian Credit Bureau must investigate and delete these fraudulent Items. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX Balance : - ; XXXX XXXX & XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2000.00} ; XXXX XXXX & XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$3400.00} ; XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2024-05-19
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Rosebud Economic Development Corporation (AZ)

I am very leary as to the legitimacy of this company. They also do business as, " Zoca Loans '' stating that Rosebud Lending 's office is located at XXXX XXXX XXXX XXXX, XXXX  SD .... 
According to XXXX maps that location is a field with what looks like tall, dry, yellow grass. 
I learned this shortly after taking a loan out through their entity called Zoca Loans. Shortly after getting my loan, my State to do business. I received a letter via email from Zoca/ Rosebud when my loan payment was late due to my bank account closure. The letter was a demand for payment. I sent a response requesting a copy of their business license, which to this day they have not provided.
Consumer complaint received 2024-05-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Block, Inc. (GA)

I made a transfer in XX/XX/XXXX, the amount of {$950.00}. On Cash App I accidently traded that amount and I immediately took action to have the transaction voided/and or refunded, after several hours of being on the phone within a few days time after giving me a reference number ( in which, I don't have now ), I was eventually hung up on to never resolve the issue.
Consumer complaint received 2024-05-19
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CL Holdings LLC (MI)

Purchased two XXXX around XX/XX/XXXX. XXXX, a company that does not exist anymore, claimed I owed them {$1400.00}. Never took me to court. Neither has debt buyer, Jefferson. Now the debt buyer claims that I owe {$1400.00} for one phone. Not true. 

I honored the two-year ( XXXX ) purchase agreement. Regardless to XXXX failing to honor their buyout incentive that they offered to get me to buy from them instead of staying with XXXX XXXX XXXX ( who I returned to after dealing with XXXX ). My phone bills were outrageous ( $ XXXX every month for two phones ), but I still paid. My contract was completed by XX/XX/XXXX. I never signed a new purchase agreement with XXXX. Or XXXX as it exists presently. At one point, a then-XXXX rep told me that the company just automatically renewed my agreement!? I signed for the first agreement. I did not sign for another contract with XXXX. I do NOT owe them {$1400.00} for 1-2 XXXX. XXXX was ripping people off!!! 

Debt buyer, XXXX, showed up on my credit report around XX/XX/XXXX. It will stay on my record until the end of this year ( XXXX XXXX ). Why? I dont owe {$1400.00} to XXXX or debt collector, Jefferson .
Consumer complaint received 2024-05-19
Product: Credit card — General-purpose credit card or charge 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: AMERICAN EXPRESS COMPANY (WA)

American Express is not believing my XXXX third party tracking evidence which literally shows and states the merchant signed for the merchandise return over a month ago and I am owed my refund. Merchant has lied multiple times about not receiving the return. When I asked American Express why they keep extending the resolution deadline the representative XXXX had no answer to me and when asked why my XXXX tracking was not being believed she got very rude and told me to close to dispute multiple times and speak with the merchant myself. But I needed American expresses help to resolve the dispute or else I wouldve never opened it. Its like American Express does not care about disputes by XXXX Americans.
Consumer complaint received 2023-11-05
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 sent letters out XX/XX/2023 to Experian, XXXX, and XXXX, Here is my tracking numbers # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Incorrect information on my credit report.
Consumer complaint received 2024-03-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (IL)

I opened a CFPB complaint ( XXXX ) stipulating *specifically and only* that LVNV/Resurgent admitted *on a recorded line* that they did not and could verify that I ever agreed to open an account with the original creditor, and instead only had account statements from after the falsely opened account. 

Their " response '' was to completely ignore that and then send the statements from after the card was opened, intentionally ignoring the actual substance of the complaint. 

The complaint should not have been closed, because it very clearly objectively had not even been addressed, let alone resolved.
Consumer complaint received 2024-03-26
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: GULF COAST COLLECTION BUREAU, INC. (FL)

I have received a collection notice from Gulf Coast Collection Bureau attempting to collect an unspecified debt and misleadingly portraying itself as a government entity through its company name and statements. I encourage the CFPB to review past complaints from about this company. Gulf Coast Collection Bureau has not provided any of the documents that I requested. Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : Agreement with your client that grants Gulf Coast Collection Bureau Inc the authority to collect this alleged debt. Forward Flow Agreement. Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt Collector. Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor. All statements while this account was open. Have any insurance claims been made by any creditor regarding this account? Provide me the Bonding agent as well!!
Consumer complaint received 2024-05-19
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BMO Bank, N.A. (TX)

I traded in my RV that was financed through BMO, the dealer received the payoff and submitted the check, I also had direct payment of my loan through my bank, after the loan was paid off BMO took my scheduled payment which now was an overpayment, I called them and they said it would take 7 days to return it. After 7 days and not receiving it I called again, this time I was told to allow 14 days to receive it, after not receiving it in in 14 days I called again and was told I would now have to wait 30 days. I feel they are intentionally delaying my payment.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Eastern Account Systems of Connecticut, Inc. (GA)

I contacted EASTERN ACCOUNT SYSTEM about a debt that they continuously are contacting me about, I do not know who they are nor do I have a contract with them to owe any debt. I asked for validation of the assumed debt. I asked for the original contract with my signature, I asked for the creditor info, payment history and proof of ownership of said debt that they are coming after me for, I was flat out told that they can not provide me that info because they do not have a contract with me nor do they own the debt.
Consumer complaint received 2016-03-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Blakely-Witt and Associates, Inc. (TX)

I broke my lease with XXXX the original creditor at the end of XXXX 2015, with five months remaining, i gave a sixty days notice from XXXX 2015 and paid the relenting fees of $ XXXX.i got my final account statement on XXXX XXXX, with the sum of {$5100.00}. I contacted my lawyer XXXX XXXX, by XXXX 2015 to dispute the account. She wrote several letters to them, seeking for the clarification of the account and telling them that i am ready to pay if the account is justified, there is no single reply. From my credit report monitoring, I was alerted on XXXX/XXXX/15 that the original creditor has transfered the account to Blakely Witts & associates, a collection agency since XXXX XXXX, 2015, with a sum of {$1000.00}, without informing me or my lawyer. The collection agency did not contact me or my lawyer at any time before reporting me to the credit bureau, in other word they did not make any attempt at debt collection before destroying my good credit and most importantly My Good NAME. I only knew about the debt after my credit was destroyed, is this the fair debt collection practice. 
To protect my right I wrote the bureaus to dispute the account, asking questions about why I was not informed and why is the amount different, the only answered I got is that the debt has been verified. Is this JUSTICE. 
All I want is justice, I am willing and ready to pay my debt, only let them do the right thing. Take The Account in collection off from my report, write letter of apology for the damage done to my good credit, contact me in a lawful manner to inform me of the debt and I Will gladly pay the debt. 
I hope you will use your good office to protect me from this unfair debt collection practice. 
N.B. My wife is also part of this unfair practice.
Consumer complaint received 2024-05-19
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (LA)

I don't recall having a contractual relationship with this collection company IC System. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. 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 2024-01-26
Product: Credit card — General-purpose credit card or charge 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: NAVY FEDERAL CREDIT UNION (VA)

XX/XX/XXXX ordered XXXX XXXX XXXX XXXX XXXX for Dams and Ponds on website XXXX after web search for item. Received email from XXXX stating order had been received ( exhibit A ) XX/XX/XXXX charged on credit card under XXXX XX/XX/XXXX sent email via XXXX  website asking for tracking information since card was charged XX/XX/XXXX called XXXX ( contact phone number on website ), phone number does not accept incoming calls XX/XX/XXXX sent email to XXXX requesting tracking information ( exhibit B ). No response. 
XX/XX/XXXX disputed charge on Navy Federal website as item has not been received XX/XX/XXXX credit was given pending investigation XX/XX/XXXX credit card shows item being charged again XX/XX/XXXX received letter from Navy Federal from USPS stating property was provided therefore the card had been charged again ( exhibit C ). 
XX/XX/XXXX called customer service at Navy Federal and spoke to XXXX ( XXXX ). She could not provide any details as to why the investigation showed item received but would email paperwork to dispute again XX/XX/XXXX never received email from XXXX. Called customer service again and spoke to XXXX. She could only say that it had been shipped via USPS ( which would not have accepted a 15L bucket of chemical ). She suggested that I email XXXX for shipping and tracking information. 
XX/XX/XXXX sent email to XXXX as per their website with no response. ( exhibit D ) XX/XX/XXXX called XXXX ( contact phone number on XXXX  website ), phone number had a recording stating that it was not XXXX and to contact our financial institute for a refund. 
XX/XX/XXXX sent message to Navy Federal w/attachments ( exhibits A-D ) requesting reconsideration. 
XX/XX/XXXX Received message from Navy FederaXXXX will not credit account ( exhibit E ) XX/XX/XXXX called customer service @ Navy Federal and spoke to XXXX. She said we needed to submit another message requesting a copy of the documentation that the merchant sent to Navy Federal. 
XX/XX/XXXX sent message requesting documentation ( exhibit F ) XX/XX/XXXX Navy FederaXXXX sent copies of documentation ( exhibit G ) XX/XX/XXXX sent message to Navy Federal, explaining we ordered a XXXX  pail of XXXXXXXX XXXX XXXX and not 11 wallets and 3 pillows. ( exhibit H ) XX/XX/XXXX Navy Federal replied they tried their best but cant recover the funds. ( exhibit H ) XX/XX/XXXX Called customer service at Navy Federal and spoke to XXXX. She said there was nothing they could do. 
XX/XX/XXXX Sent message to Navy Federal with attachment that XXXX  was a scam website ( exhibit I ) XX/XX/XXXX Received message from Navy Federal that this dispute case is closed. 
XX/XX/XXXX Went to post office to get information about tracking number ( exhibit J ). They showed it was mailed in a 1 oz envelop to XXXX XXXX XXXX, XXXX. Both the 15L pail and the items on their invoice would have weighed to a lot more than 1 oz.
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (GA)

I have been with AFFIRM INC for a long time, and I have always appreciated the good value and service I have received from your company. Recently I checked my credit report and noticed delinquent payment history. I was devastated to see a late payment show up. Surely this must be a mistake. As you can see from my elite streak of payment history, I have a perfect record of paying on time. I would love to remain an active consumer of this company and would like for us to work together to update my payment history that is hindering me from getting approved for credit. Will you kindly send me confirmation that this erroneous late payment has been corrected, updated to paid as agreed/ never late and deleted from my credit report and sent to the consumer reporting agencies to update. I appreciate your companys decision and consumer satisfaction to do the right thing. Thank you.
Consumer complaint received 2023-12-27
Product: Credit card — General-purpose credit card or charge 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: TRUIST FINANCIAL CORPORATION (VA)

I requested my Truist Visa credit card closed in XX/XX/2023. 
In XXXX I got online banking statement showing bank had paid XXXX automatically after I had canceled the accountthey refunded that to card In XXXX they made the same error! When I called and said card should have been CLOSEDthey returned money to account and said that now had XXXX balance they could be sure card was closedXXXX XXXX.. 
Then in XXXX they allowed someone to transfer {$8000.00}. Out of the CLOSED credit card without my knowledge or permission Since that time I have called the Truist fraud departments and credit card dispute departments over 12 times!, ,I also filed fraud report with XXXX XXXX XXXX XXXXHe was able to trace the source of the fraud to XXXX XXXX, ,but due to it being out of the country he was unable to pursue. 
Sheriff told me Truist was responsible from the beginning due to them not closing the credit card when I originally requested account closed. 
Since then Truist has established another credit card in my name and without my knowledge and put the {$8000.00}. and almost another {$1000.00}. in late payment and interest charges on a card I dont have. Detective suggested that Truist had committed Identity Theft when they opened credit card in my name without my knowledge!!! Truist will not return my calls and my credit score has dropped over XXXX points since this started.
Consumer complaint received 2024-03-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Propel, Inc. (NC)

On Thursday, XX/XX/year> my recurring payment of {$14.00} was authorized, scheduled to process, for my XXXX premium subscription. 
On the date above, I received an email from XXXX at XXXX stating that the payment of {$14.00} had declined. 
I called Providers XXXX XXXX, there excuse this time : the payment looked 'SUSPICIOUS '. So out of millions of XXXX users, my payment is the only one that look 'suspicious '. This word is going to land them into a court house. 

Let me back up to XX/XX/year>. On this date my car payment money of {$250.00} disappeared from account. After a week of stress, XXXX XXXX XXXX, XXXX XXXX XXXX, repeated emails and phone calls my money was finally put back into my account, causing my payment to be paid late. My lien holder was understanding, knowing I've never paid late, except this strange, disturbing situation. 
This bank, need to be investigated... it same like every 3 months now, they pull a fast one. XXXX gave me until XX/XX/year>. These people don't have phones, so where do this leave the customers? 
Why did Providers XXXX decline the transaction of {$14.00}? Maybe you can get an answer from them. It look like I swapped the XXXX for the XXXX, when I left XXXX XXXX for Provider 's XXXX XXXX, no better.
Consumer complaint received 2024-04-20
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. (FL)

I've checked my consumer report XX/XX/2024 I still see the same inaccurate and malicious items on my report. I would like for XXXX, equifax, and XXXX to reinvestagate and please inform me where they validate these inaccurate items from : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, all the inquiries and all the false addresses. Please delete of of the malicious and inaccurate information from my consumer report as soon as possible.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX account 's 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 
has violated my rights. 15 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
Consumer complaint received 2024-05-18
Product: Credit card — General-purpose credit card or charge 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: GOLDMAN SACHS BANK USA (TX)

To Whom It May Concern, I am writing to formally lodge a complaint against Goldman Sachs regarding the handling of a disputed charge on my Apple Card. The details of my dispute are as follows : Dispute Case Number : XXXX Transaction Date : XX/XX/year> Merchant Name : XXXX XXXX Disputed Amount : {$110.00} Amount to be Re-billed : {$110.00} I initially disputed this charge due to inaccuracies and issues related to the transaction with XXXX  XXXX. Despite my efforts to resolve the matter through the appropriate channels, Goldman Sachs has determined the dispute to be invalid and has re-billed the disputed amount of {$110.00} to my account. 

My primary concern is that Goldman Sachs has not refunded the merchant for the disputed amount, which raises serious questions about the integrity of their dispute resolution process. This action appears to be an attempt to collect payment from me without rectifying the transaction with the merchant, which I believe constitutes an act of misappropriation. 

Given the gravity of this situation, I am seeking immediate intervention from the XXXX XXXX XXXX XXXX XXXX XXXX to address the following issues : 1. A thorough investigation into the handling of my dispute by Goldman Sachs.

2. Confirmation that the disputed amount was either refunded to the merchant or a valid resolution was achieved.

3. A clear explanation and documentation of the reasons for deeming my dispute invalid.

4. Reimbursement of the disputed amount if Goldman Sachs is found to have mishandled the case. 

This situation has caused me significant distress and inconvenience. I trust that the XXXX  will ensure a fair and transparent resolution process. Please find all necessary documentation and correspondence related to this dispute attached for your reference. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX