davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ACIMA CREDIT, LLC (CA)

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. The XXXX Credit Bureau is reporting inaccurate information on ACIMA XXXX XXXX XXXX - Account Number : XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. I ask that this account is withdrawn from my personal file, as it is hurting my ability to obtain credit as well as my credit score. Thank you
Consumer complaint received 2017-06-08
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. (TX)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.     Under the Fair Credit Reporting Act,  15  U.S.C.  1681g  I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under  Section 611   (  a ) (  5 )  ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to  3rd  parties you are damaging my reputation and credit worthiness.     Under the FCRA  15 U.S.C.   1681 i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.     Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.     Name of Account : Account Number Provide Physical Proof of Verification :  XXXX   XXXX  Unverified Account-No Contract   XXXX   Consumer  XXXX  Unverified Account  XXXX   XXXX   XXXX   No acct # reported Unverified Account-No Contract
Consumer complaint received 2017-06-08
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. (OH)

These accounts were taken off my transunion credit report and now I see they have been reinserted without validated. Transunion has not verified these accounts nor have they responded to my request for method of verification form that I sent for transunion to fill out.  XXXX   XXXX  debt and   XXXX   XXXX   XXXX   have not sent me the signed documentation that i requested with my signature. These accounts are fraudulent and I will no longer continue to suffer the repercussion from t hese accounts that are not mine.   XXXX   XXXX   is not a method of verifying. Information from third party vendors are not accurate. The last 4 digits of a social security number do not verify nor validate a consumers in formation. I will send a letter to the CEO of transunion if this matter is not fixed immediately. I am in the process of filing a lawsuit against transunion. Cease and desist letters have been sent to both collection agencies as well as a debt validation letter and I have not gotten that signed document with my signature and its been well over 30 days.
Consumer complaint received 2021-09-03
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: EQUIFAX, INC. (CA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2018-02-01
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Navient Solutions, LLC. (MA)

I have received several calls from XXXX, on behalf Navient, regarding a student loan that I cosigned on behalf of a younger sibling. They had called several times throughout the day and weeks from various numbers including XXXX XXXX XXXX XXXX. 

When I finally answered, XXXX, the first representative, didnt identify herself or the agency. Instead, she began to ask me for my ssn. I asked for information before providing any personal info and eventually felt comfortable enough to provide the last 4 digits of my ssn. XXXX indicated that there was an opportunity to remove my name from the loan altogether through a settlement of about {$8000.00}. When I asked for written documentation regarding that settlement she refused to send anything in the mail or by email. 

After several requests to send written documentation of the settlement offer by email or mail, the representative indicated that failure to pay would have implications on my mortgage and other financial obligations. At that point, I explained to her that I understand my rights under state and federal law and that I believe her communication was inappropriate and may be in violation of those rights. 

The representative continued to speak over me and would not listen. She refused to provide any written documentation to me. The representative continued to indicate that certain actions will be taken if I had not provided payment account information to preserve the settlement offer. 

Once again, I asked her to provide written documentation regarding the settlement offer and possible payment plan but she refused. At that point, I told her that because she could not provide any additional written information I would hang up and would file a complaint. 

Within about an 1hr, I called the number again to get the full name of the representative and a mailing address. The second representative, XXXX, told me that she had no record of my previous call. When I pressed her for information, she said that she overheard the call. Because she lied about the recording of the previous call, I ended the call. 

I do want to remove my name as co-signer of the loan and, depending on the terms and other factors, am willing to enter into a settlement and/or payment plan. But the representatives withheld information, made threats, and several misrepresentations. These calls were around XXXX and XXXX on XX/XX/2018. 

So I am filling a complaint but would also like some guidance. My contact information is above. 

Thanks XXXX
Consumer complaint received 2017-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Continental Finance Company, LLC (NM)

It has only been a few years since CONTINENTAL FINANCE ; XXXX XXXX  XXXX XXXX XXXX ; and XXXX XXXX agreed to not conduct any further fraud upon the public. Seven months ago our credit card was ordered to be closed and the balance was paid, in full as agreed upon. However, in XX/XX/XXXX of this year XXXX XXXX XXXX began billing on the behalf of CONTINENTAL FINANCE and XXXX XXXX XXXX XXXX XXXX for a renewal fee. I was out of the country and did not see the four months of billings with finance charges in our mail. XXXX XXXX was immediately contact and ordered to withdraw any negative reports to all three credit bureaus ; immediately cancel any further billing and finance charges on a card that was no long open and useable ; immediately send a letter of apology from all three corporate offices. The only order completed was the discontinued billing and removal of any charges. The company continued to report adverse credit to all three agencies. XXXX XXXX has on occasion refused to answer phone calls transferred to a supervisor. We feel these companies should be prosecuted criminally. Be advised we did not authorize electronic billing at any time. Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX Last four numbers on the account : XXXX
Consumer complaint received 2017-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (WA)

We received a notice from our credit card company for suspicious activity on our account. There were several unauthorized charges on our credit card so our credit card was closed and unauthorized charges were disputed. We continued to receive unauthorized charges from a particular company, even after changing our credit card account number. We disputed those charges as well. We just received notice from the fraud department at our credit card co mpany denying our dispute stating that they found " compelling evidence that supports our claim that the transaction was authorized by the cardholder or close relative. AVS zip check : pass. They then give the name of the customer, their email address and IP address used to make the purchases, all of which are not familiar to us. We called our credit card company to inquire about the notice and they stated that they send all customers that statement, hoping it will jog their memory of use. We informed them that that the named customer is not an authorized user on our account. They assured us that they are very diligent about ensuring no unauthorized users make purchases on their accounts. The issue was not reso lved with the credit card company.
Consumer complaint received 2024-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (TX)

I submitted a dispute for XXXX telespych for {$140.00}. I had not heard back from cash app when I first submitted it on XX/XX/21. However that day the system prompted me to verify my XXXX information and order a new card which I did. That Monday I chatted in to check the status of the claim and they said they had no records of it so I needed to submit it again which I did which then prompted me to order a new debit card. I later tried to use the virtual card, the app promoted me to order another card, the next day the system promoted me to order another card again and the following day. I called and spoke to someone on XXXX and told them what I was experiencing the associate said it was a tech glitch and would receive an email back from that team since the system shouldnt be asking me to order a new card everytime I log in. I received an email from the tech team saying they could not help me because they couldnt verify me via email, that I didnt open the tech ticket through the app but the associate opened it for me. I later get an email regarding th dispute saying that couldnt verify my identity which is required in order to submit the dispute. I on back on the app and the system prompted to order yet another debit card! Which I tried to do but received a message. I got an email saying my card had been closed due to security reasons. I was required to upload my passport which I did immediately after chatting I with another associate. I am still unable to order or use my cash app card, Im still unsure if they verified me and I have not received any notice that my claim is being reviewed now that I am verified as promised in the email.
Consumer complaint received 2022-03-03
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. (MD)

I have been reaching out to Experian, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Experian and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-06-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Army and Air Force Exchange Service (IL)

XXXX / XXXX / XXXX  at  XXXX   XXXX  from phone numbe r   XXXX   (  XXXX  )   XXXX   XXXX    XXXX   attempted to collect a debt which I am already making payments on. The stated that they were calling on th e behalf of Army & Air Force Exchange services. This is starting up  I feel because I have in placed a formal review with  XXXX  for the negitive reporting done b y Army & Air Force Exchange Services  on  XXXX / XXXX / XXXX . It is being reported as a charge off balance unpaid account closed on  XXXX / XXXX / XXXX . I have been making payments to this company for awhile in the amount of {$170.00} plus they have received my p ast 2 ( two ) Federal tax returns. These payment are made directly through EFT to thi s company out of my  XXXX  check fro m SSN. How can this be legal for one and then to tell me that all my payments will go to interest. How can a company charge you interest on a closed, charged off account, all the while taking payments. Is this a violation of FDCPA 807.
Consumer complaint received 2024-01-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (MI)

On XX/XX/2023 I noticed two charges on my CashApp Statement that I did not make. Using the app, I disputed the charges, Since this has happened before with the same merchant, I called CashApp to see if that merchant could be blocked from charging my account, and the representative I spoke with cheerfully blocked the merchent and told me to have a nice day. The following day my card was canceeld with no warning or reason and both of my disputes were denied. I tried repeatedly to reach them through phone, email and the chat function within the app and they refused to tell me why this happened. On XX/XX/2023 they sent me an email saying that my disputes were flagged as fraudulent so they were denied and my account was being canceled for violating their terms of service. I have been a customer of CashApp for many years. I have NEVER violated their terms of service, I did NOT make those charges and CashApp had no right to deny my claims or cancel my card.
Consumer complaint received 2017-06-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: REGIONS FINANCIAL CORPORATION (GA)

The aforementioned company Regions Bank violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to the debt. This account is unverified and immediately needs to be deleted from all my credit files :  XXXX ,   XXXX   and  XXXX . The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this debt.
Consumer complaint received 2017-06-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (IL)

XX/XX/XXXX  at  XXXX   XXXX  from phone number  XXXX   (   XXXX  )  XXXX  Transworld system attempted to collect a debt which I am already making payments on. The stated that they were calling on th e behalf of   XXXX   XXXX   XXXX   XXXX   XXXX  services. This is starting up I feel because I have in placed a formal review with  XXXX  for the negitive reporting done by  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  on  XXXX / XXXX / XXXX . It is being reported as a charge off balance unpaid account closed on  XX/XX/XXXX . I have been making payments to this company for awhile in the amount of {$170.00} plus they have received my past  XXXX  (  XXXX   ) Federal t ax returns. These payment are made directly through EFT to this company out of my  XXXX  check from SSN. How can this be legal for one and then to tell me that all my payments will go to interest. How can a company charge you interest on a closed, charged off account, all the while taking payments. Is this a violation of FDCPA 807.
Consumer complaint received 2022-08-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Halsted Financial Services, LLC. (PA)

I have received NUMEROUS calls from XXXX. This number claims to be XXXX XXXX XXXX. When you call the number, it is Halstead Financial ... a debt collector. They are falsifying who they are. Every debt that I have, I have acknowledged and just can not afford to pay anything right now. I do not want to be contacted by anyone under false notifications. They call ALL the time and I have not received anything in the mail from them. They never mail anything to me regarding their intent or stating they use a fake caller ID. I have pets, when this number and caller ID show up I think it is an urgent matter about one of them. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These calls are VERY disturbing.
Consumer complaint received 2020-07-11
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (OH)

On XX/XX/2020, I opened a promotional Chase checking and a Chase savings account with my local branch in XXXX OH. Since I have had accounts with Chase before and their were some stipulations on the promotion, the banker ( XXXX XXXX XXXX XXXX checked and assured me that I was qualified. She then entered my coupon and the accounts were open. Several weeks ago, I noticed that the promotional amount had not been deposited to the accounts. I checked with the bank branch, and they admitted that it was their error in opening the account ( due to a previous account having been active within the past two years ) and informed us that they would try to resolve the problem since it was their error. They were unable to make the required deposits and told me that they would elevate the problem. I was told that the supervisor of the bank manager ( XXXX XXXX   supervisor ) would contact me and on several occasions, the bank branch has not taken or returned my calls. I am very upset over the treatment I received over this. I was promised a resolution which has not occurred. I have invested XXXX in my accounts since XXXX, with XXXX cents of interest and no promotion. I have been a long time Chase customer and I am extremely disappointed over this treatment. I thought Chase was a large and reputable company, but unfortunately they have become unresponsive to this issue.
Consumer complaint received 2017-06-21
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: JPMORGAN CHASE & CO. (CA)

XXXX charged a regular monthly charge of {$8.00} on my credit card. I had never had any communication with XXXX and never authorized any payment to them. I believe the payment was charged due to my wife 's card expiring ( she had an account with XXXX ). However, I view with great surprise that XXXX will allow a husband 's account to be debited where a wife is not paying, especially with a digital good where the most sensible resolution is simply to stop the subscription. I already spoke with XXXX ( customer service ) and XXXX ( Fraud dept ) but they did not offer a satisfactory resolution and could not explain how this had happened.
Consumer complaint received 2017-06-08
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. (LA)

I contacted Transunion about some incorrect, inaccurate, and fraudalent data on my credit report and I also contacted the collection companies that are reporting the data and asked them for validatity of the debt which is required by federal law ( FCRA ). The collection agency did n't provide me with any information and it 's been over 30 days and I petitioned Transunion to delete the collection accounts and have n't gotten any justice! I want this well documented with the CFPB so when I proceed to file a civil lawsuit against the agency my greivances are documented that I went through the proper channels and I 've tried to settle this before proceeding any legal action. If the collection agency ca n't provide me with documentation, how are they proving anything to Transunion. The collection agencies are  XXXX  accts with  XXXX  for {$600.00} and {$770.00} and a rent debt account for {$300.00} that was settled in court and they sided with me. And a   XXXX   XXXX   for {$600.00}.   I 've filed a police report for ID theft and a report with the federal trade commission as well.
Consumer complaint received 2017-06-08
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Navient Solutions, LLC. (KS)

XXXX   XXXX  received letter  that Navient would seize my assets if I did n't pay. I called to ask about that and they said they never sent it. They also said I had 2 mor e months until default of loan. I asked to mail in a payment they requested to keep it from getting more behind, which the normal payment is  XXXX . They then said " because of the state of my loan being 5 months behind this arrangement was not acceptable ''. My next payment was not d ue until ( month 7 behind of 8 before default ) 2 weeks from now. It was pressure and tactics that made no sense. I did not want to give them my account information because my mother, a cosigner, did that and they took money she did n't authorize. I asked to pay the loan off in a settlement and they also requested al l kinds of financial information. The payoff was to be by a benefactor, so it had no relevance.