davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-23
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)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 2022-11-11
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. (AZ)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX  Bankruptcy Reference Number : XXXX
Consumer complaint received 2022-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (NJ)

XXXXXXXX XXXX  used : Early Warning Services , LLC Attn : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, AZ XXXX Tel XXXX Fax XXXX XXXX XXXX XXXX To verify my checking account. It was denied by this firm as being a legitimate account despite me having an XXXX XXXX credit score. The information provided to XXXX is incorrect and not accurate. When I called the firm above to inquire as to what is going on, they forced me to indicate whether I was over XXXX XXXX XXXX or not and then tried to sell me a medical insurance policy. This is not a legitimate credit reporting firm. 

When submitted again, it seemed to have gone through but we will see if we get another disapproval letter.
Consumer complaint received 2022-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I disputed an XXXX charge ( it was double charged ) on my BofA XXXX. The bank said after their research both charges were valid. That is incorrect. BofA did not do sufficient research to protect their customer
Consumer complaint received 2022-12-22
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: EQUIFAX, INC. (NC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXXXXXX XXXX  XXXX XXXX XXXX, NY XXXX XX/XX/2011 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX ; XXXX XXXXBalance : {$4600.00} ; XXXX XXXX Balance : {$6300.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$5300.00} ; XXXX Balance : {$840.00} ; XXXX XXXX Balance : {$520.00} ; XXXX XXXX Balance : {$2200.00} ; XXXX  XXXX Balance : {$840.00} ; XXXX XXXX XXXX : {$5600.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$270.00}.
Consumer complaint received 2024-04-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (WY)

I started a account with cash app years ago and then for some reason it would allow me I to my account says can not identify and then it says start a new account and. Chat with support so I would and then I would get back into my account and then it would happen again and again and now it's. Been years and I have so many accounts with cash app not because I want to but cash app won't allow me into my accounts and I have hundreds of dollars in these accounts that I can not get to I even had the bank identifier and location and all the stuff I needed and still they said the could not find my funds and I could not get into my account but I did tell them I felt like my cash apps were getting hacked by someone because I would login and the. I would get. A message saying new device login which it shouldn't say but I have been trying for yeas and years and I just want my money they shouldn't have a company that is able to steal people 's. Money without being held responsible for there company lack to help the people that keep them in business
Consumer complaint received 2022-11-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Spring Oaks Capital, LLC (TX)

On XX/XX/11 @ XXXX XXXX XXXX XXXX XXXX called from phone number XXXX and stated that he ( XXXX XXXX ) was from XXXX XXXX XXXX XXXX XXXX stated that his " client '', Spring Capitol, was trying to collect a debt. When I asked if they ( XXXX XXXX XXXX ) had bought the debt, XXXX XXXX stated " no ''. Once I pointed out that 15 USC 1692 ( a ) Communication with the consumer generally states " Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ''. XXXX XXXX then gets erratic and says " What do you plan to do about it ''. When I tell XXXX XXXX again that he ( XXXX XXXX ) is not allowed to contact me since they ( XXXX XXXX XXXX ) are not the ones who I owe the original debt to. XXXX XXXX then begins to say " Do you need me to tell you for a third XXXX time ''. I proceeded to tell him to not contact me again and he hung up.
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, 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)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX, Account # XXXX, XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account XXXX XXXX XXXX XXXX  Account # XXXX, XXXX, XXXX Account # 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 2024-04-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc. (MO)

CBE Group Inc Ref # XXXX my last correspondence with them was XX/XX/XXXX we receipt notice of a debt for {$130.00}. We have sent letters to the company ask for proof or verification of the amount requested. We also sent back the bottle of the letter page as noticed. In never receiving any notification or proof or any additional information for this company, we assume they realized there mistake and the matter was resolved. Just recently I checked my credit report to find out they have attached themselves as a debt owed on my credit bureau report. All three accounts, XXXX, XXXX and XXXX as of XXXX. 
We still to this day have NOT received any verification that we owed this debt or even what the debt is for ... it states we have an account from XXXX XXXX with account number XXXX. Our account with XXXX was paid in full prior to closing the account. Per their representative who ended the account. It's may understanding it was a recorded call and they should be able to verify the information provided by their representative or provide exactly what the amount requested is for in detail. 
We do not owed this debt and they have not provided any information show we owed the debt.
Consumer complaint received 2022-11-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (OH)

Someone has tampered with my existing Affirm finance account and was able to order a vacation from XXXX totaling {$2500.00} + interest, for a grand total of {$3100.00}. 
This activity was not me. I filed the complaint and regained access to my accounts, except this person did not use my XXXX account to place the order even. 
I have changed all the passwords and reported this within less than XXXX hours of the fraudster ordering a trip to Hawaii. 
I have also filed a complaint with the XXXX This has happened XX/XX/2022 the fraud occurred around XXXX and was reported at XXXX EST the following day. I have contacted XXXX who has assured me they werent even able to use the vacation package. 
As a result of this for my security I have locked my credit file with XXXX and I have my security freeze with XXXX turned on. 
My information was leaked as a result of XXXX data breach. I also have other proof my information was leaked.
Consumer complaint received 2022-11-11
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. (PA)

Other Address XXXX XXXX XXXX XXXX XXXX, PA XXXX Date Reported XX/XX/XXXX never lived here in accordance with the Fair Credit Reporting act XXXX  Account # 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 2022-05-18
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. (CT)

On XX/XX/XXXX, I contacted Experian about the following negative accounts XXXX XXXX XXXX Opened XXXX. XXXX, XXXX, Balance {$0.00} ), XXXX  XXXX XXXX  ( Opened XXXX XXXX, XXXX, Balance {$910.00} ), XXXX  XXXX XXXX  ( Opened Sep. XXXX, XXXX, Balance {$450.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2022-11-11
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: Westlake Services, LLC (NV)

Westlake Portfolio Mgm Westlake Portfolio Mgm ( Installment ) Accounts - Summary XXXX XXXX XXXX Last Updated XXXXXXXX XXXX Payment Status Unpaid balance reported as a loss by credit grantor Worst Delinquency Charge Off/Other Derog Balance {$4700.00} Credit Limit 15usci1681i I have no knowledge of this account, if this was charged off it can no still be reporting. you must remove or submit a 1099G because you can not collect on a charged of account that you summitted to the IRS please remove and suppress. please update credit report
Consumer complaint received 2022-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/2008 in accordance with the Fair Credit Reporting act XXXX XXXX acct # 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 2022-11-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (NV)

In XXXX i was approved for a loan to cover a purchase through shop pay affirm ... ..since XXXX i have complained that i cant access my loan documents or see the loan in the ap which has prevented me from making extra payments if i want to do so and also i cant access the paperwork for the loan terms etc ... .i have spoke to 6 or more different representative as well as emailed all since XXXX because i figured that id make some payments to cut down on interest and that's when i discovered the loan is not visible however the reminder to pay consistently is emailed to me..and im forced to call in..nothing i do seems to get them to ever fix this ... this month i even went as far as trying to reach out to the place i bought the merchandise from to ask them for assistance and affirm hasn't bothered contacting them either ... .today i received an email from a rep telling me that they see i complained about not being able to make payments when that isn't the issue the issue is that the loan isnt accesible or visible in order for me to access it so that i can make extra payments etc... so once again nothing has been done
Consumer complaint received 2022-11-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Central Portfolio Control Inc. (TX)

On XX/XX/11 @ XXXXXXXX XXXX XXXX XXXX XXXX called from phone number XXXX and stated that he ( XXXX XXXX ) was from Central Portfolio Control. XXXX XXXX stated that his " client '', XXXX XXXX, was trying to collect a debt. When I asked if they ( Central Portfolio Control ) had bought the debt, XXXX XXXX stated " no ''. Once I pointed out that 15 USC 1692 ( a ) Communication with the consumer generally states " Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ''. XXXX XXXX then gets erratic and says " What do you plan to do about it ''. When I tell XXXX XXXX again that he ( XXXX XXXX ) is not allowed to contact me since they ( Central Portfolio Control ) are not the ones who I owe the original debt to. XXXX XXXX then begins to say " Do you need me to tell you for a third XXXX time ''. I proceeded to tell him to not contact me again and he hung up.
Consumer complaint received 2023-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I deposited # XXXX into the drive up atm at XXXX XXXX. I received an error code that I needed to call the bank. I did and was transferred by an agent to speak to the claims dept. Was on hold for one hour then the phone hung up. I called the next day but was closed due to holiday. I called XX/XX/XXXX and put in a report. Was told I will receive a temporary credit til the investigation starts. Agent said I would see the funds in 2 hours. No fund where there. Called back today XX/XX/XXXX and agent said it is being further investigated and can take up to 45days before I get my funds
Consumer complaint received 2022-05-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (FL)

I got a letter from a debt collector company, Convergent, on XX/XX/XXXX claiming I owe XXXX XXXX {$190.00} and showing me a 15 digit account number. Problem is I can't verify my account number because my account doesn't exist in XXXX 's database, and my billing statements never displayed my full account number.
Consumer complaint received 2022-11-11
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (VA)

To whom it may concern, I wrote you requesting validation of this alleged debt you have failed to supply the demanded proof of the alleged debt, I want to note that under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I can presume that no proof of the al- leged debt, nor therefore any such debt, in fact exists. 

In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC ( f ) in this alleged matter. 

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for you collection of this alleged debt?

4. Please send evidence your authorization to do business or operate in the state of ( Your state ) 5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.

You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error, and that this matter is permanently closed. 

Best Regards,
Consumer complaint received 2022-11-11
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

On XXXX XXXX I was contacted by a Recruiting staff of ( XXXX XXXX ) stating she found my resume on XXXX. They wanted to interview me for the XXXX position. I then was hired by HR and every morning at XXXX I had to sign into XXXX XXXX and train. 

On XX/XX/XXXX, I was sent my welcome letter and two checks to get all equipment needed. I deposited the checks into my USAA account and started to order the things they told me to get like the headset, printer ect. However, come to find out the checks were fraudulent, and the job was too. After, realizing what was really going on by then I was scammed out of {$2900.00}. I contacted USAA and filed a police report. USAA proceeds to lock my debit card and account because they were going to investigate as they should. 

Again, that was XX/XX/XXXX, when the investigation started. It is now well over 30 days! I have contacted USAA several times for an update. Of course, I was told the investigation should have been completed by now, however it is not, and my funds are still on hold as of XX/XX/2022. As, a service member of being in the military I thought USAA would be a great bank. I was wrong! I have bills that need to be paid and USAA has my funds still on lock.
Consumer complaint received 2022-11-11
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (NY)

M & T Bank holds the mortgage to my condo and I was in court proceedings for foreclosure with M & T Banks attorney 's I applied to XXXX XXXX XXXX XXXX XXXX  to help reinstate my mortgage. 
My mortgage is with XXXX XXXX XXXX XXXX  Agency ( XXXX ) XXXX at that time ( XX/XX/2022 ) requested the most current mortgage statement, and they then reached out to M & T Banks attorney 's that are assigned foreclosure case. 

The my mortgage statement was reviewed by both parties and negotiated the amount that would be accepted by M & T Banks attorney 's to reinstate my mortgage and bring it out of foreclosure. 

I then received an email in XX/XX/2022 for XXXX a promissory note and singed stated that the funds/amount would reinstate my mortgage with M & T Bank XXXX 

After M & T Bank received the funds from XXXX they then told my that my mortgage payments were brought current and that I still owed additional {$9800.00} plus to them. 

Bait and switch- this is not what the agreement stated when I signed it. 

If someone could please help me with this matter I would very much appreciate it. 

Sincerely, XXXX XXXX