davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-18
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: PENTAGON FEDERAL CREDIT UNION (TX)

I originally had a vehicle loan with XXXX XXXX XXXX XXXX XXXX is which in their admitted error placed CPI insurance on my account. My loan then went past due and during this dispute and escalation process against XXXX my loan was transferred to Pen Fed Credit Union but in a delinquent stage. I advised Pen Fed representatives that this is a mistake of XXXX XXXX and that I am not past due it is due to the CPI that was force placed that should not have been that my account is delinquent. After I escalated this issue to supervisors and a VP by the name of XXXX XXXX who was able to fix and update my account rapidly refunding over {$1500.00} to m account which placed it back at its normal payment and in a current status. Despite that issue being fixed it was reported that I was 30 days past due on two different occasions to the credit bureaus and I need those removed immediately. Pen Fed has acknowledged the mistake and removed all late fees from the account and apologized but this has not restored my credit.
Consumer complaint received 2019-02-02
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CCS Financial Services, Inc. (MD)

CCS offices called from XXXX asking for a XXXX. I have told them numerous time not to call and I don't know anyone with the name XXXX. 
XX/XX/2019 XXXX XXXX asked for a supervisor since informed numerous of times not to call. Talk with XXXX and explained more than 10 times asked not to call number. Asked who managed the call center she would only provide the name XXXX.
Consumer complaint received 2022-07-13
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. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION to file a report. I do so. Per FCRA section 605b Credit Reporting Agencies are required to block any items 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 items that 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 XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$590.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX ( Original Creditor : 01 XXXX XXXX ) XXXX Balance : {$360.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3400.00} XXXX XXXXXXXX XXXX ( Original Creditor XXXX 12 XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00}
Consumer complaint received 2023-12-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (ND)

On XX/XX/2024 my phone was stolen, They gained acces to my cash app account, funded it thru my connected bank ( XXXX ) and paid themselves. I reported this to cash app and XXXX as well as filed a police report. XXXX was great they refunded me the money that was transfered to cash app. Then almost 2 months later Cash app decided to take it back again putting my account in the negative balance of {$850.00}. I have filed multiple disputes with cash app and they keep denying my claim. Its like they dont understand that My phone was stolen. The thieves broke in to my shop and have been arrested. One of them is still in jail and they both have trial set at a future date. Cash app has cause me to fall behind on bills, My kids wont have a XXXX this year and I am furious. I have contacted Cash App at least a dozen times via chat and phone support. They do the same thing every time. IT gets denied and I am denied access to speak with any managment or higher up than chat. or basic support. Hours and hours on the phone and chat. Same results every time. I would recommend to anybody to discontinue use of cash app ASAP. XXXX won my loyalty. they took care of my problem within a week. Cash app robbed me for a second time and should be held accountable. I Cant afford an attorney so they just get away with it. I would sue them for XXXX times what was taken from me just because of the pain and suffering they have caused my and my family.
Consumer complaint received 2022-08-29
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. (MO)

I ordered a copy of my updated Credit report from XXXX and upon further inspection, it is clear that the Credit Bureaus have not fully removed all the disputed Fraud items from my Credit Report. It is clear that my credit File has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Reporting Agencies are required by law to remove any account and informattion which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureau and the bank 's records. Please remove these files. If the Credit Bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly. Please remove the following items from my Credit Report : XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX Balance Owed : {$5900.00} XXXX XXXX Balance Owed ; {$4400.00} XXXX XXXXXXXX NA XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-09-02
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXXXXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-09-02
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. (NV)

I am concerned that the credit companies have ignored my formal requests to have negative info from my credit report regarding XXXX XXXX Jewelers. I jabe contavted them as well as the ftc amd no one has done anything.
Consumer complaint received 2019-02-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (FL)

On XX/XX/2018 an amount of {$610.00} owed was reported to XXXX   from XXXX XXXX XXXX. The creditor is with Commonwealth Financial Systems. I am unaware of this charge or amount owed. It is an unknown provider and unknown service.
Consumer complaint received 2022-09-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I need to dispute a charge on my debit card ending in XXXX from XXXX XXXX  made on XX/XX/XXXX for an amount of XXXX, XXXX  XXXX It was an XXXX XXXX XXXX, the seller never sent the item to my address and also never provided any tracking number or more information about the shipment. 
The merchandise must be delivered on XX/XX/XXXX, but until now that has not beed delivered to my address. 
I tried to contact the merchant several times but they never replied to my or answered the phone.
Consumer complaint received 2022-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please ELIMINATE the following accounts completely from my Credit Reports : XXXX XXXX, XXXX XXXX  XXXX, U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

Hello, On XX/XX/2022 I sent a personal letter to Experian credit bureau asking them to remove the following inquiries that I did not authorize on my credit report. It is XXXX and I have yet to hear back from Experian about the information I requested that they look into. 

Here is a list of the inquiries I sent over to them Experian 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
Consumer complaint received 2021-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I checked my credit reports and saw various incorrectly reporting physical address, name variations and employment. 

I have tried to contact Experian, XXXX and XXXX by phone to challenge and dispute ; however, there are no resources to help. 

Incorrect name variations : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  Incorrect Addresses XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, SC XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX  XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX Incorrect Employers XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2021-08-23
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Thunderbird Collection Specialists, Inc. (AZ)

I have mailed several certified requests to validate debt that I do not owe from Thunderbird Collection Specialists. Company consistently refuses to respond providing ORIGINAL documents under the Fair Credit Reporting Act.

Thunderbird Collection Specialists responds with false invoices with misleading information including invoices with incorrect addresses ; documents created from its internal accounting system.

*Thunderbird Collection Specialists has received Countless complaints identified on the XXXX XXXX XXXX ( XXXX  ) web site from consumers for violating rules relating to the Consumer Financial Protection Bureau and the Fair Credit Reporting Act.

Note : Thunderbird Collection Specialists has been informed and contacted, but continue with its illegal practices.
Consumer complaint received 2022-09-02
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: CL Holdings LLC (SC)

I have never had JEFFERSON CAPITAL SYSTEM as a creditor. Per my research JEFFERSON CAPITAL SYSTEM is a debt collector falsely attempting to collect a debt that isn't there's. 
I have requested that JEFFERSON CAPITAL SYSTEM provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature with JEFFERSON CAPITAL SYSTEM.

In addition please provide the contract signed between JEFFERSON CAPITAL SYSTEM & 12 XXXX XXXX, notarized and sworn under penalty and perjury for JEFFERSON CAPITAL SYSTEM ability to collect this alleged debt. 

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., XXXX XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. 

I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California XXXX  ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 

Please send all validating records through the CFPB and certified mail to my address. I have uploaded a copy of my ID showing my mailing address.
Consumer complaint received 2023-12-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Block, Inc. (TX)

On XX/XX/2023 I made a purchase online with XXXX ( merchant ) for 3 items. The total was for {$190.00}, and it was automatically deducted from my account balance. I have emails and screenshots I have sent to them. Then I get 3 separate charges for each item at different times and dates. 
Cash App - XXXX XXXXXXXX XXXX told me that XXXX voided the purchase. I emailed XXXX, and confirmed my purchase was good paid in full. If it was voided then I never got it refunded or added back to my balance. My balance was charged for the same amount {$190.00} at 3 separate transactions. 1 for {$16.00} 1 for {$100.00} 1 for {$69.00}. This caused my account to borrow or use up overdraft thus causing fees. Cash app sent me a statement of all my transactions except for on the XXXX of this month when I make the purchase.
Consumer complaint received 2022-09-02
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. (DE)

Recently, I did an investigation on my consumer report which has caused severe XXXX and XXXX  upon me. In accordance with the Fair Credit Reporting Act EXPERIAN, XXXX  and XXXX  has violated my rights : -15 USC 1681 ( a ) ( 4 ) : states that I have the right to privacy as a federally protected consumer.

-15 USC 1681b ( 2 ) : states a consumer reporting agency can not furnish an account without my written instruction or oral instruction -15 USC 1681 ( a ) ( 3 ) : it is an obligation that any consumer reporting agency exercise their grave responsibility with fairness, impartiality, and respect for the consumer 's right to privacy.
Consumer complaint received 2021-08-23
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (TX)

On XX/XX/2020 my bill for XXXX dollars did not go through when it was auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage or other credit card because of this mark on my credit and the company will not help me with this unfair situation.
Consumer complaint received 2022-09-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TN)

COPY OF EMAIL RECEIVED : XXXX XXXX AM ( XXXX minutes ago ) to me Hello, XXXX XXXX XXXX XXXX Here 's your invoice Bitcoin Exchange sent you an invoice for {$490.00} USD Due on receipt View and Pay Invoice Seller note to customer You have successfully made a transaction for your Bitcoin ( XXXX ) Using Paypal, you Charged the amount mentioned in the INVOICE. This transaction may take 12 hours to appear in your Bank Statement. Do give us a Call for any dispute regarding the Payment and issue a Refund at XXXX ( XXXX ) XXXX PayPal Help & Contact | Security | XXXX XXXX XXXX XXXX XXXX PayPal is committed to preventing fraudulent emails. Emails from PayPal will always contain your full name. Learn to identify phishing Please don't reply to this email. To get in touch with us, click Help & Contact. 
Not sure why you received this email? Learn more Copyright XXXX PayPal, Inc. All rights reserved. PayPal is located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 
PayPal XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2019-02-02
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Gitsit Solutions, LLC. (MA)

XXXX XXXX sent someone to drive by my home, man started taken pictures and asked me if he could come in my house. Told him no he wanted me to call his boss.XXXX  XXXX. I have no idea who these people are, I have never done business with them. I'm a XXXX XXXX yr old man, and my finance is a XXXX vet widow.Want these people stop coming to my home. They call me at least XXXX times per day. I called his boss he immediately a knew all kinds of information about me. Told me he was bill collector after he asked me bunch of questions then said he was going to record phone call, I immediately hung up.
Consumer complaint received 2018-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (MO)

Chase Bank XXXX, XXXX XXXX  Inquiry from XX/XX/XXXX I never had service or contract with company. I report this issuee in XXXX  but couldnt fix it. 
Factual Data Inquiry from XX/XX/XXXX I didnt finish with this application
Consumer complaint received 2021-08-23
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 — Investigation took more than 30 days
Company: Resurgent Capital Services L.P. (NV)

I sent these creditors debt validation letter 30 days ago asking for your company to provide me with proof that I own this debt, and these companies has failed to respond. I then looked at my credit report and noticed that these creditors are still reporting this inaccurate account on my credit report without validating it. The law is clear on this issue, you cant continue report a disputed debt if they failed to validate. Because of their actions, they have violated the FDCPA act which carries a fine of {$1000.00} for every incident, and FCRA for reporting inaccurate information on my credit. This violation also carries a fine of {$1000.00}.
Consumer complaint received 2019-02-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Revenue Assistance Corporation dba Revenue Group (MS)

My company had a contract with XXXX, dba XXXX , XXXX, XXXX XXXX XXXX, XXXX XXXX, MS ( XXXX XXXX, XXXX ) to provide pest control services from XX/XX/XXXX to XX/XX/XXXX. We terminated service XX/XX/XXXX when we discovered they overbilled us. On XX/XX/XXXX, we received a letter from Revenue Group that our company was turned over to that collections agency. We never received any communications from XXXX regarding funds due and believe this to be a violation of the Fair Debt Collection Practices Act ( FDCPA ). Since we received notice from the collections agency, we have disputed the claim but only received one email reply from XXXX XXXX at XXXX despite multiple communications by phone and email to XXXX ( To : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ). XXXX XXXX email to us advised us to contact a phone number for XXXX at credit and collections department ( XXXX ) XXXX but that phone number only has a voicemail recording and has not returned any of several messages. We notified XXXX the number they provided to resolve the issue was a dead end but they failed to reply to those multiple emails and phone calls. 

We have done everything we can to resolve this issue with XXXX but they refuse to return any communications or explain why they turned our company over to a collections agency, especially when they admitted to overbilling us. Therefore, we as the Consumer Financial Protections Bureau to investigate XXXX XXXX business practices at XXXX, dba XXXX , XXXX, XXXX XXXX XXXX, XXXX XXXX, MS ( XXXX XXXX, XXXX )