davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (DE)

I disputed this account awhile ago but still have not received anything I asked for to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof I asked for. 
*Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally They are saying it is verified but where's my proof? What methods are you using to verify?
Consumer complaint received 2018-03-22
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. (PA)

XXXX 's acct # XXXX date:XX/XX/XXXX XXXX XXXX acct # XXXX date:XX/XX/XXXX XXXX XXXX XXXX acct # XXXX date:XX/XX/XXXX I have disputed these acct 's to the credit bureau 's informing them again & again that I have not ever had theses accounts.
Consumer complaint received 2017-04-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Berlin-Wheeler, Inc. (Kansas) (NV)

XXXX had always charged me XXXX per month then all of the sudden i was charged XXXX. I called my credit card company to dispute the difference of {$23.00} to bring my bill back to XXXX. The credit card company credited me back {$23.00} and they never contacted XXXX as the {$23.00} amount was too low for the bank to pursue XXXX to give them that money back. XXXX was made aware of this and they told me i was lying. I then called my credit card company and told them what was going on, so we decided to call XXXX together. XXXX again said i was lying and then they were made aware the bank was on the other line recording the phone call. The bank told XXXX that indeed i had disputed {$23.00} but that they should n't try to come after me because the bank wrote off the {$23.00}. Nonetheless XXXX repedetely threatened me to send me to collections and today i received a collection bill in the amount of {$80.00} after repeditely disputing the debt with XXXX. So basically, XXXX charged my card {$62.00} and i disputed {$23.00}, the bank then wrote off the {$23.00} and somehow XXXX found out and tried to come after me for the full {$62.00} and today i got a collections bill for {$80.00}. I have copies of the credit card statement and my bank has a recorded phone call and yet XXXX continues to try to collect something they are not entitled to and now this collection is on my credit. I filed complains with the BBB and they told the BBB to XXXX. I wan na sue XXXX for fraud and cohersion! furthermore, the original charge was {$62.00} and now they sent me to collections for {$69.00} AND a collection fee of {$11.00}! what is wrong with these crimminals?!
Consumer complaint received 2017-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Sherloq Group, Inc (IL)

This company is reporting to all 3 of my credit bureaus and I do n't owe them money. They do n't have any signed contracts or documents from their company to prove that I owe them. I have disputed this with the company and they continue to call and harass me. My credit is being impacted.
Consumer complaint received 2018-02-01
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: P.S.C., Inc (WA)

I got letter from this collection agency base out of Washington state and the letter date XX/XX/XXXX.I was check my credit report onXX/XX/XXXX I got alert on my email tell me new stuff be add on my credit report. This company list everything that was on this letter on my credit report before my 30 days I can valid information. I send the register letter from the postal office these item is not my and I need the debt valid. I feel the company violated my rights under the FDCPA. The company got the company that I filed with consumerfiance department and they said We received the complainants dispute notice on XX/XX/. Our records indicate that the previous address we had on file as an incorrect mailing address on XXXX XXXX in XXXX. We only recently obtained updated address information from his estranged spouse and mailed the validation letter to the updated address. Since it appears the complainant did not receive previous communication, we will provide a deletion of accounts recently reported for 30 days. I have not received any letter from this company explain or etc and I notice that place everything back on credit report this month without validation letter.I am going to report this action back to Attorney General today to see if his office give me better answer on this matter.
Consumer complaint received 2017-04-13
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: AMERICAN EXPRESS COMPANY (NY)

They have been calling and harassing me even though I told them I will pay them by a certain date. They got ahold my work number and called me on it. He refused to hang up, he was threatening me with legal actions and he instructed me to get the money from wherever I can even though I did n't have it for another two weeks. I told him I was 3 months XXXX and I can not have this kind of XXXX and I will pay them in 14 days, he would not listen just kept on going on about how I can ask someone for money to pay them. 
They are calling me multiple times a day and this time when I picked up and explained again the situation the manager was rude, harassing.
Consumer complaint received 2024-02-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (NY)

I was scammed on XXXX-2024. After reaching out to the cashapp escalation department. I was given this number by a cashapp agent to have a previous case rectified. I was told to call this number ( XXXX ( XXXX ) XXXX ) and ask for XXXX. So I did. XXXX began to help me, by asking me to download a screen sharing app so I did. He then starts to walk me through getting my case resolved and my money back from being previously scammed. He asked me to go to the last person that sent me money. A friend XXXX XXXX who in turn was with me at the time. So he asked her to open her cashapp and enter several various numbers for a verification code. He then tells her to press pay after every set of numbers but insist the money would not be taken out of her account and that it was just dummy numbers. And insisted this is the process cashapp takes to get customers their money back. In total {$2900.00} he made her send as dummy codes and swore it would not come out of her account. He told me I had to change the bank card on file in order and cash out to the new bank card he gave me to get the money I was scammed out of back. Afterwards she became irritable and Leary of the situation in which she told him she could no long enter dummy numbers and pressing play because she got a text from her bank that her card would be locked. So he tells me he needs to finish the verification process and that he needs me to scroll down my cashapp and he asked to finish the process with another friend. So I got another friend on the phone XXXX XXXX, in which he had her send {$850.00} dollars three times, using the same line it wont come out of your account its for verification only. In total she scammed her through me {$2500.00}. I had no awareness of any of this. He asked me if I could get another friend to finish verification and it was then I called him a scammer and he began to say he wasnt he wasnt and that he was getting in contact with his cashapp boss to inform them the verification could not be completed. And that he would call me back. He hung up I called back 2 minutes later the number was disconnected and I and my friends were scammed out of {$5500.00}. He used a cashapp maamegyi! I will show documents below
Consumer complaint received 2017-04-11
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Phoenix Financial Services LLC (NJ)

Phoenix Financial Services just violated the Fair Debt Collection Practices Act and the Fair Credit Reporting Act by placing XXXX collections on my credit report that were previously deleted by another company and by not notifying me of these collection accounts. I only know they hit my credit report because I have credit monitoring and I got the alert today. They are reporting account number XXXX in the amount of {$570.00} and account number XXXX in the amount of {$1800.00}. Both of these accounts were deleted by XXXX XXXX over two months ago because they lacked proper validation on this account. And now XXXX is reporting an open date of XX/XX/2017 on my credit report which is so not true and false. I filed a complaint with the BBB and they told me that they sent their initial letter on XX/XX/2017 which is not true. I never received anything from them and they are lying. They have this on my credit report and it should not be on there.
Consumer complaint received 2024-02-15
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. (CA)

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. has violated my Consumer rights : Account name : XXXX XXXX XXXX XXXX : # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX, Account name : XXXX : # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX : XXXX XXXX, 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 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 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 2021-09-03
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (NY)

I have sent affidavit DEMANDING that they Verify the debt that I allegedly owe them. They CLAIMED they did but it wasn't done properly Pursuant to 15 U.S. Code 1681a ( e ) which defines an investigative consumer report as a consumer report in which information on a consumers character, general reputation, personal characteristics, is obtained through personal interviews with neighbors, friends, etc, who may have information of any items on the consumer file which you will have to show me proof via an affidavit of fact under penalty of perjury ; I DO NOT CONSENT TO ANY AUTOMATED RESPONSE OR E-OSCAR VERIFICATION METHOD. 

and if they can't, they must CLOSE the account and IMMEDIATE REMOVAL OF THE NEGATIVE REMARKS they've made against me on my credit report pursuant to THE FAIR CREDIT REPORTING ACT 15 U.S. CODE 1681 1681i.

Unauthorized Use Pursuant to 15 U.S. CODE 1602 ( p )
Consumer complaint received 2021-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I have made several attempts to rectify incorrect/ old information on my credit report and have been unsuccessful, even though they have failed to provide proof from these companies. They also old accounts older than 7 years on my report. 
Below is a list of items I have attempted to resolve with the last 2 years.

-Page ( s ) 2.1 and 4.15. XXXX XXXX unknown account number on report-shows charge off but was told by Equifax that they could not locate this account. Also letter from XXXX states they sold this alleged debt to XXXX XXXX ( letter attached ). 
-Page 2.3 XX/XX/XXXXXXXXpaid in full as stated on other credit Bureau reports//company , but shows transferred or sold and charged off on Equifax report. 
-Page 2.4 -XX/XX/XXXX- Included in Bankruptcy and not a Charge off. 
-Page 4.1-XX/XX/XXXX-Id Theft from California that I was unaware of and unable to resolve which has been discharged by bankruptcy. 
XXXX XXXX XXXX-Never had any account with this company/person. Company was Unable to provide me any information, nor Equifax. 
-page ( s ) 4,3 thru 4.5, 4.8, 4.9, 4.10, 4.11, 4.12 -Duplicate Department of XXXX accounts on report. I have 2 loans not 5. review as these are same amounts. 
-Page 4.6XXXX XXXX XXXXEx husband XXXX XXXX debt that was included in divorce XX/XX/2018. 
page 5- I XXXX XXXX XXXX XXXX older than 7 years. Remove by law. 
Current name is XXXX XXXX XXXX
Consumer complaint received 2020-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

Capital One has blocked access to my account information through third party budgeting apps. I believe that this is my information and that I should be able to consent to the sharing of it. I have accounts with many other institutions that work flawlessly with the third party apps. Consumers deserve to have access to their own information.
Consumer complaint received 2021-01-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: M&T BANK CORPORATION (NC)

Mt & t bank balance due {$620.00} someone went to the teller and cash a check to my account but the bank on XXXX XXXX in XXXX do not no who did it where the account was open in newyork my name and address was not on that check
Consumer complaint received 2020-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

USAA requires ( 2 ) TWO set ups for access on line. One is website usaa.com One is moble app from XXXX XXXX Both need UserID, temp password then peranet password set ups my XXXX unable to perform these numerous XXXX XXXX. Both are required for documents. MAILBOX IN APP FOR ALL CONTACT AND DOCUMENTS requires up down in out XXXX XXXX. Both set ups site and mobile app must work simotaniaeiously. ( I AM UNABLE TO GAIN ACCESS INDEPENDANTLY. TO ENTER PRIVATE SECURE INFO. PRIVATELY ) XXXX 4 EMAILS SENT TO NO AVAIL. NO ACCESSIBILITY ASSISTANCE PROVIDED UPON REQUEST. USAA IS NOT XXXX ACCESSIBLE.
Consumer complaint received 2021-11-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC. (NV)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on XXXX 'XXXX  response about the written requests I sent regarding WAKEFIELD & ASSOCIATE. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2021-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (NH)

I open a Verizon Visa card last year to take advantages of money back on groceries and gas. Everything was going smoothly until I setup an auto deduct from my bank. I had used a savings account with several other banks to make payments. No where does Verizon Visa through Synchrony Bank ask you if the account is saving or checking. I made three payments and all were rejected because it was a savings account. Finally someone in their customer service area told me savings accounts were not allowed. I went to use my on XX/XX/XXXX and is was declined. I called back customer service and the card was reinstated. I went to use it today and it was declined again. Now they tell me it is closed forever and the last guy should never had reinstated it. I have an XXXX credit score and I am very upset that this will affect my credit.
Consumer complaint received 2024-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc. (CA)

I had XXXX $ in a cash app debit account. I tried to buy XXXX black coffee for {$2.00}. Transaction was immediately declined. No wait or lag on the terminal that was new and in good working order. I knew I had XXXX $ in the account so I tried again. Transaction completed the second time without issue. When I texted support to inquire about what just happened, they told me it was a connection error. It was not a connection error. The card was declined. Something can't be declined if it didn't connect. I tried again, and the second transaction was cleared immediately. It didn't take even a second to connect. There was a good connection. It was declined. Support was also outright hostile and was answering irrelevant questions that I didn't even ask. I asked for documentation supporting the claim this was caused by a connection error. I experienced similar behavior right before XXXX blew up, where cards with " cash in the account '' were being declined. This is symptomatic of bank failure. I highly suspect that cash app is involved in the ongoing fraud that brought down XXXX, as I'm a creditor and I've tracked the ongoing fraud to multiple institutions that are still committing it to this day. I requested the metadata that they used to determine it was a connection error. It is like speaking to a wall though. Only law enforcement can stop this ....
Consumer complaint received 2021-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ERC (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that XXXX  and XXXX  efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. XXXX  and XXXX  are reporting inaccurate information on ERC ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2017-04-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: McCarthy, Burgess & Wolff, Inc. (NJ)

This account was previously owned by another debt collector, which whom I was originally paying {$100.00} to per month. I contacted that creditor to make a payment only to be told that the account was transferred but they had no knowledge as to whom the account was transferred to. I have never been contacted by MCCARTHY, BURGESS AND WOLFFE, therefore I was never properly notified until this account appeared on my credit.
Consumer complaint received 2024-02-12
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. (GA)

On XX/XX/XXXX, XXXX am A confirmation for {$300.00} was sent from cash app to a direct account with XXXX XXXX. I SENT THE MONEY BEFORE XXXX, CASH APP CONFIRMED THE DELIVERY AT XXXX. 
I have that time in the attachment. 

I didnt have a wells fargo debit card. I just had the account that is connected to the XXXX XXXX XXXX department ending in XXXX. 

This same day, I called XXXX XXXX after I sent the {$300.00} from Cash App. I asked XXXX XXXX, can I access my debit card number to my account without a Debit Card? They told me no, I would have to wait for my debit card to access my account, the one I just sent the {$300.00} too. 
So I told them, close the account on XX/XX/XXXX! I have the proof in my attachment, they sent a closing email for the account XXXX on XX/XX/XXXX, not the XXXX as they claim. XXXX XXXX is even sending me a letter saying they closed the account on the XXXX which is how committed they are to this Lie. They didnt know I have the email to prove it was XX/XX/XXXX, in the attachment. XXXX XXXX was saying the account was closed XX/XX/XXXX. Thats not true. Like the attachment says, it was closed XX/XX/XXXX, after I sent the money. 

Regardless, the money should have bounced back to Cash app. Or never been processed. But both companies are trying to convince me {$300.00} disappeared and I should call the other company to find out where. 

I contacted XXXX XXXX claims department and unlike Cash app theyve closed both of my claims w/o any email, letter, call or explanation so I had to call back and I still have no answer on why they cant get my money. The account was NOT closed before the money was sent. 

They can use the routing number cash app but they wont contact Cash app to find this out. They keep telling me to. 
Cash app wont contact XXXX XXXX, they keep telling me to do it. 
This situation has nothing to do with me. Cash App XXXX XXXX XXXX know that. Theyre just hoping I stop fighting. 

I work too hard as a painter for my money.
Consumer complaint received 2019-10-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GLA Collection Company, Inc. (KY)

XXXX is an illegitimate system and failed form of verifying documentation and including and up to ILLEGAL to convert LEGAL notarized affidavits to numeric codes. FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. GLA has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send screenshot statements. Send my actual signature on a contract. As this debt is Not mine.