davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc. (TX)

I have requested verification and validation per my right under the FDCPA section 809 a and b. This company refuses to provide. This is not my debt and I demand proof of this debt. This company has also continued to report a disputed debt on my credit report. Last four of my ssn are XXXX  and date of birth XX/XX/1988. Please submit proof that this is my debt
Consumer complaint received 2024-04-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (AZ)

On XX/XX/2024, my minor daughter who is XXXX XXXX XXXX made a purchase for a XXXX XXXX blanket on my cashapp. I didnt authorize this transaction. My daughter knows I purchase stuff off XXXX  and how to order. The person she purchased it from scammed her. After, she paid for the item tried to ask for an extra {$100.00} to send the item after she already paid for it saying she sold the last one. 
My daughter made this transaction without my knowledge and I changed my pass code to my phone now. I contacted cashapp about the scammer and the scammer let me know good luck with trying to get your money back and blocked my account. So, no further communication can be done. This person sounds like they do this often. I have sent 2 disputes to cashapp and they just said based on your history you made this transaction. I did not make this transaction. I even made a dispute with my bank XXXX XXXX and I am awaiting word back. I did not make that transaction. I know its only {$25.00}, but can you imagine how many people she or he is doing this too. Cashapp doesn't seem like they even care to look into the matter.
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: EQUIFAX, INC. (AL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX Balance : {$610.00} ; XXXX XXXX XXXXXXXX Balance : {$510.00} ; XXXX XX/XX/XXXXXXXX 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 XXXXXXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-12-13
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. (AZ)

I am in receipt of my most recent consumer reports. As per recent correspondence, I have requested for my consumer reports to be updated and reflect the following information as follow : Name : 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 All other names, addresses, ssns, employer and phone numbers does not accurately reflect me and must be removed immediately.
Consumer complaint received 2021-12-19
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC (TX)

MONTEREY COLLECTION IS REPORTING AN ACCOUNT TO MY CREDIT REPORT THAT HAS INCONSISTENT AMOUNT OF BALANCE. IT CONCERNS ME HOW THIS ACCOUNT KEEP COMING BACK VERIFIED EVEN IF I HAVE TRIED MANY TIMES TO ASK FOR VALIDATION. PLEASE SEE ATTACHED SNAPSHOT FOR THE INCONSISTENCY. THIS IS THE TRACKING # XXXX FOR THE VALIDATION LETTER I FIRST SENT AND YET THEY NEVER RESPONDED TO EVEN AFTER COUPLE MORE LETTERS
Consumer complaint received 2024-04-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

I had stayed at a few hotels using the referral service XXXX XXXX. I paid had a confirmation and was set for my stay. Upon arrival the hotels refused lodging claiming I had to show proof of where I would be going next. I was also charged for these stays that were denied upon arrival. I reported this to Wells Fargo whose answer was to close my account because of the hotels fraudulent use of my debit card.
Consumer complaint received 2023-05-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Apartment complex ( XXXX of XXXX ) has sold my information to a third-party collection agency who is now trying to collect a debt that I do not owe. After trying to dispute this account several times, XXXX XXXX XXXX has refused to review the supporting documentation I have submitted that proves that this debt is not mine. Please read the company response for my complaint submitted on XX/XX/2023 : Company 's XXXX XXXX XXXX XXXX XXXX XXXX is a third-party debt collection agency that is collecting a debt on behalf of XXXXXXXX XXXX XXXX XXXX XXXX Charges were not assessed by XXXX. XXXX XXXX has disputed her debt, and XXXX has submitted her dispute to the CRAs as required by law. The original creditor contends that the debt is in fact owed and has provided documentation supporting the charges they assessed. If the consumer has additional information supporting her claim ( s ), please have her provide the documents to XXXX for further investigation and action if appropriate. 



If the company did not assess the charges before reporting it to my credit report, how where charges validated and verified? Also, I have provided documentation to support the charges form XXXXXXXX XXXX XXXXXXXX does not belong to me and they refuse to review theses documentations.
Consumer complaint received 2023-05-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNCOAST CREDIT UNION (AL)

Someone used my name and address to open an account at Suncrest Credit Union. They then overdrew the account by {$100.00}. I contacted Suncoast and they said they would send me a financial fraud reporting email. Instead they turned it over to a collection agency named XXXX who is now attempting to collect the false debt.
Consumer complaint received 2023-06-29
Product: Credit card or prepaid 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: ALLY FINANCIAL INC. (IN)

Contacted Customer Service XX/XX/2023 about a re-occuring charge on my account. I thought that the issue was resolved. However when I recieved my new statement for XX/XX/2023 I see that it was not. I also contacted the Vendor number listed on the card and attempted to cancell this charge. The Customer Service person that I talked to did not speak or understand English and I do not speak XXXX.
Consumer complaint received 2023-06-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (IN)

I receive anywhere from 5-8 phone calls a day from Comenity Bank . They call from a regular number once then they will call from an no caller ID number as if to annoy me with a barrage of phone calls. Ive tried to pickup and answer the call when no caller ID calls come through and no one is on the other line. These calls only happen when Comenity Bank is making numerous calls per day. I received a call today at XXXX, XXXX, XXXX, XXXX, XXXX, and XXXXm sure Ill receive at least one more call today. I feel threatened and harassed by this bank and their relentless calls.
Consumer complaint received 2023-05-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I had been trying to get this account removed from my Transunion report and they will not remove it. It has been reported as fraud. I have sent the FTC report along with a police report, but they refuse to remove it. It is from XXXX XXXX XX/XX/2018 for {$3000.00}. I don't know what else to do except get a lawyer!!
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: PNC Bank N.A. (PA)

I was about to change my bank from XXXX XXXX  to XXXX XXXX. I closed my Visa credit card with XXXX XXXX. There was no outstanding balance. I do not carry running balances. The credit limit was {$18000.00}. 


Shortly after this, PNC Bank sent me an approved Visa Card with an {$18000.00} credit limit. I did not ask for it. I did not activate it. I do not have a banking relationship with PNC. I have since cancelled the card. 

Yet, when I applied for a credit card and requested the same credit limit, I was denied. I checked my credit report and found that, though my credit rating score was about 820, the PNC card was listed. This prevented me from getting the card I wanted from XXXX XXXX ( only a {$3500.00} limit ). 

The banker at XXXX XXXX told me that it is illegal for a bank to send a card that affects my credit without my having asked for it. Them doing so, affected my ability to get the credit I was seeking.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

I have not been able to access my credit report for over a 3 years with Equifax ; when I deal with prospective creditors they are unable to see my credit report to render a decision as it pertains to my credit report, when I login online to my Equifax account it gives me an error code saying XXXX and prompts me to call. I did that and spoke to several representatives that don't help me. I've been told that it would refresh, and that there is no resolve.
Consumer complaint received 2024-04-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. We are an approved charity through Paypal which also allows you to create a charity profile on Venmo. XXXX XXXX In XXXX, I was able to create a charity profile on Venmo however I repeatedly received error messages when trying to use the charity venmo account. 
I reported this to Venmo in XXXX and they identified it as a bug and it has been sitting with their engineering team ever since. I have been repeatedly following up as it is now 4 months passed and it still has not been fixed. 
Today, the Venmo customer service representative accidentally deleted our account which also makes our username ( OUR CHARITY NAME!! ) unusable. 
The representative told me that the only way to correct my account was to also delete my personal account ( which I will also lose my personal username, which is my full name ). 

These venmo support and resolution practices are unacceptable. We have missed 4 months of fundraising opportunities due to being inaccessible to our charity venmo account.
Consumer complaint received 2022-12-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NJ)

Iam a wells Fargo customer since XXXXI never had the possibility to check my accounts online. 4 months ago or so, i started doing so, then i was surprised to see some transactions have been made from my savings to cover a overdraft of a checking i don't even know. Everytime, they took from me : {$100.00} and {$120.00}. I have to say, i always have more than {$10000.00} on my checking. Everytime, i took day off from my job to go to the bank to discuss the matter but it never fixed. Only once, they fix one of the transactions but one day after, they took it back.Finally, i asked to close the account without receiving my money back. 
When that thing happened, i realized that something was always wrong because i never had control over the accounts.
Consumer complaint received 2024-04-15
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (CA)

Opened a XXXX credit card issued through Barclays Bank. was told I would get XXXX points which is equal to choosing {$200.00} in gift cards, when I cashed out I only got like {$100.00} as they mislead the bonus.
Consumer complaint received 2022-12-27
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Amsher Collection Services, Inc. (MI)

Pursuant to 15 USC 1692g ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.

Notice of Dispute AmSher Collections Services , Inc is a third party debt collector, and they are illegally attempting to collect an alleged debt in the amount of {$1500.00}. 

Pursuant to 15 USC 1692g ( b ) I am demanding AmSher Collection Services , Inc provide the name and address of the original creditor, and cease collection of this alleged debt.

Pursuant to 15 USC 1692f ( 1 ) I am demanding Amsher Collection Services , Inc provide the authorized agreement between myself and AmSher Collection Services , Inc that created this alleged debt in the amount of {$1500.00}.

Failure to provide any and all information is a violation of the FDCPA. Which will make AmSher Collection Services , Inc civilly liable for any actual damages, and violations of the FDCPA pursuant to 15 USC 1692k.

AmSher Collection Services has 5 days to respond to this CFPB complaint.
Consumer complaint received 2022-12-27
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 is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX and XXXX XXXX XXXX Date opened XX/XX/2020 Balance {$1300.00}
Consumer complaint received 2022-12-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, a few records require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-21
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: CITIBANK, N.A. (IL)

I went to check my credit card balance on my Home Depot card and {$600.00} dollars of my credit limit was gone. I called them immediately and they said it was because of my XXXX score. I don't know if they pulled my credit score but they are one of my creditors. This was on Friday the XXXX of XX/XX/2023.
Consumer complaint received 2024-04-13
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (NC)

I leased a car through US Auto Sales on XX/XX/XXXX. Everything was going well until the brakes went out on me in the XXXX XXXX just XXXX  days later. It was burning oil. I called to complain. They would shut off my car when I wasn't even late. Charge me late fees. And I look on my credit report and it's saying I owe XXXX dollars but I had already paid to XXXX. I voluntarily repossessed it XX/XX/XXXX. I was told by a mechanic that this car should have never been sold and it was unsafe to drive. Oil would splatter out of my exhaust. The fuel pump was rusted and had not even a month left. They sell lemons.
Consumer complaint received 2022-12-27
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. (FL)

Basically I asked the credit bureaus to do a verification of my credit report and they did. They said that everything was accurate on my credit report, but I also did a thorough report on my credit myself and there are still a lot of improper inaccuracies on there after they did there research. The company is XXXX XXXX account number # XXXX XXXX XXXX XXXX Experian In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without my written instructions...
Consumer complaint received 2019-02-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

I have an acct on my credit from LVNV FUNDING LLC in the amount of {$120.00}. This acct do not belong to me. I would like the company to provide documentation including a signed contract with my signature validating that this acct belongs to me. if they are unable to provide documentation I want this removed from my credit immediately.