davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-28
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: AMERICAN EXPRESS COMPANY (CA)

I first reached out on XX/XX/XXXX, about three fraud transactions that were made back to back totaling in the amount of XXXX. I was assured by American Express the transactions would be suspended effective immediately, and I would not be liable to pay for charges. 

XX/XX/XXXX, XXXX, and XXXX I reached back out to the company to check in for any updates being that I had not received any correspondence. I spoke to over ten representatives mis-transferring my calls and giving incorrect information each time and me continuing to answer the same questions I had initially provided them. Not one member was able to resolve my fraud claim or actually input my claim in the system, fraud claim never being filed. 

The card is cancelled and affecting/impacting my credit significantly. I need for American Express to rectify this as I have waited 30 days and been very patient. 

Dates of transactions XX/XX/XXXX XXXX ; XX/XX/XXXX XXXX ; XX/XX/XXXX XXXX all from the same merchant.
Consumer complaint received 2022-11-28
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: Atlanticus Services Corporation (VA)

To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX, or XXXX ) consumer report, and I noticed some late payments posted on my consumer report : XX/XX/2020 you reported that my transaction was 30 days late. 
XX/XX/2020 you reported that my transaction was 60 days late. 

Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) ( XXXX XXXX ) Making the report is not INCLUEDED on my Consumer report! 

A Late payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!
Consumer complaint received 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (CO)

On XX/XX/XXXX I received a letter from Advanced Resolution Services , Inc. ( ARS ), XXXX XXXX XXXX, XXXX, AZ XXXX. They informed that between XX/XX/XXXX and XX/XX/XXXX, the following information was added to my ARS consumer report : At least XXXX occurrence ( XXXX ) of unauthorized card use If I would like a copy of the ARS consumer report I must send a written request that included a copy of the letter and : Full Name Social Security Number Proof of Identity ( my case a copy of my Driver License ) Address Phone Number They attached a form for all this information to be added. 

I called on XX/XX/XXXX and was told they have to have all this information with my signature in order to give me a copy of this report. 

Who in their right mind would provide all of this information to any company asking for this and to be sent via mail? 

I have not had ANY occurrences of unauthorized card use nor have I reported such. 

I understand this is a legit company but their website is very vague and to ask for such sensitive information to be sent via mail in order to obtain the information that they are accusing me of is not right and to publish this incorrect information on my credit report is WRONG with the only option of not having it published on my XXXX  is to provide this info. Since they sent me a letter letting me know they are going to have this placed on my XXXX  report, don't they already have my XXXX number?? This is information that should be readily available to me with all of the identity theft going on. Very scammy
Consumer complaint received 2022-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

XXXX and Experian. They have not deleted the same duplicate medical accounts that are not mine and in collections, which is a violation of my consumer privacy rights. 15 USC 1681 ( A.5 ) says that after the reinvestigations all of the unverified information must promptly be deleted. You can see in each dispute of results of that this account that is the same 10 accounts was previously disputed without being thoroughly investigated and it can not be validated or verified. It appears the credit agencies are intentionally and willfully being neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my report based on federal law. I have made several attempts to remind you of your duty pursuant 15 USC 1681. Experian has not complied in deleting any of the ten accounts. 
I am distressed that Experian and XXXX are still including the accounts ) in my credit profile and have failed to maintain reasonable procedures in following appropriate operations to assure maximum possible accuracy that you publish on my credit report. 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. On XX/XX/2022 The Consumer Financial Protection Bureau ( CFPB ) is reminding debt collectors and credit bureaus of their legal obligations in light of the No Surprises Act, which protects consumers have made several attempts to remind you of your duty pursuant 15 USC 1681. Experian has not complied in deleting any of the ten accounts. 
I am distressed that Experian and XXXX are still including the accounts ) in my credit profile and have failed to maintain reasonable procedures in following appropriate operations to assure maximum possible accuracy that you publish on my credit report. 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. On XX/XX/2022 The Consumer Financial Protection Bureau made it a law to not report medical debt at this time and under certain amount but this is not my debt. 
( CFPB ) is reminding debt collectors and credit bureaus of their legal obligations in light of the No Surprises Act, which protects consumers from certain unexpected medical bills. The debt has not been validated or verified. This is my 4 dispute for the same inaccurate information they are not deleting and I have not received information of and investigation or reinvestigations of the results I have requested.
Consumer complaint received 2022-11-29
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CURO Intermediate Holdings (FL)

Debt to XXXX XXXX was sold to debt collection. Original debt was taken out in or about 2013. AD ASTRA ( XXXX ) for XXXX XXXX was reported to all Credit Bureaus and placed for collection. The debt is unable to be collected due to violations of the Statue of Limitations.
Consumer complaint received 2022-11-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (TX)

SquareXXXX XXXX XXXX is holding money from a direct deposit return for employees payroll and the grounds that I owe XXXX. I have contacted them for months now. Have found the charge by them for the amount above on the date of XX/XX/2022 and sent the at their request proof of this transaction. After all of this has been done they still have no word on a resolution of the problem and continue to not be able to put me in contact with any party I have asked to speak to. I have asked for contact from a supervisor as well as the legal department and have not heard anything else back.
Consumer complaint received 2023-07-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (DC)

I have kept a balance of about {$6000.00} in my savings account for the last XXXX years. I transfer funds back and forth to and from my checking account, for purchases and saving as needed. Lately, I've been noticing extra charges being taken from my account disguised as " over draft fees ''. 

How can " excess '' over draft fees be charged for a checking account, from a savings account with an large amount, that can just be transferred from the savings account for the amount of the sale? I understand taking exactly the amount of sale if necessary, but to add an additional {$25.00} each time is absurd! The money is there, it's just in the second account. Most times, I try to transfer funds, but I'm not always able to do so. 

Can you please investigate this issue and offer a financial solution? I do not think it's good business acumen to cypher money from customers and would like it to stop! I would also appreciate a refund for money taken from my account. 

Thank you, XXXX
Consumer complaint received 2022-11-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Stellantis Financial Services US Corp. (FL)

To whom it may concern I made an uniformed use of credit when I entered into a consumer credit transaction with XXXX  on XX/XX/2021. The contract/agreement was not easily understood or explained. The information in the contract was not clear or conspicuous. I rendered the vehicle due to the annual APR being 21.99 % and it being charged off. The debt was originally paid for by my social security number ( credit card ) Then when the loan defaulted it was paid for by insurance and the premium. With the account being charged off I have written numerous letters asking for the company to send proof of the loss. I also asked for who the debt was sold/assigned to. This company has a history of theft and misuse of consumers credit profiles. They have violated my consumer rights by furnishing my personal information to third parties. According to 15USC1692d. This collection agency/lender whoever they choose to call themselves have used obscene and profane language also threatened to furnish this debt to ANY and ALL CRAs without my permission which is a breach of my privacy and an infringement upon my rights to privacy. They have caused irreparable harm to reputation by furnishing my private consumer credit transactions with third parties. The vehicle has been turned over. I have asked numerous times for this company to return all payments made and remove the information from my credit report. This company practices including loan sharking, predatory lending, usury and bullying.
Consumer complaint received 2023-05-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2022-11-28
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. (GA)

I have reached out SEVERAL times and they will not update my personal information to report correctly, and I have a couple hard inquiries that need to be removed as I did not authorize these. They will not even discuss my credit report or my information with me. Very unprofessional as to why I will be seeking legal action if these items below are not corrected in a VERY TIMELY manner. 
Per the legal advice my name needs to appear as it does on my ID XXXX XXXX XXXX any and ALL other names need such as XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX to be removed. 
My address needs to be updated to XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXXXXXX XXXX XXXX XXXX Ga XXXX - never lived here Remove XXXX XXXX XXXX XXXX, Va XXXX - no such street - do not live here XXXX XXXX XXXX XXXX XXXX Va XXXX- do no live here Remove XXXX XXXX XXXX XXXX XXXX XXXX Va XXXX- do not live here Remove employer XXXX - I do not work here Remove XXXX XXXX XXXX I do not work here My employers is XXXX XXXX - UPDATE to reflect this employer These XXXX inquiries were NOT authorized and only XXXX ran my credit through them in XX/XX/2021 - how these others got on here are beyond me as I only authorized one credit run when I bought my car. I spoke with XXXX and they said they did not request these inquires as they knew only to try one bank. As NOBODY would shop around and allow this many hits on their score and credit report. I am beyond livid that this is on my report to begin with. 
If these items are not removed and or updated in a timely manner I will be getting a lawyer to look into this and will sue if i need too. This is affecting my credit rights, consumer rights and withholding me from providing for me and my children. CORRECT THIS NOW!!!
Consumer complaint received 2022-11-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (UT)

on XX/XX/2021 {$250.00} was sent to an indidvual for " apartment deposit '' through venmo. Since moving out tof the property the deposit of {$250.00} has yet to been returned/refunded to my client. After signing the roommate release form, I then consulted with a tentant lawyer that practices in Utah. I have tried multiple times to receive these funds back -- by submitting a fraud report, contacting the indivdual to get the funds back but was told she had spent them and wouldnt be returning the funds. Venmo and this indidvual are making it BEYOND difficult to receive the funds that are owed to me. I will be submitting a police report and a law suit against venmo for their lack of protection with MANY transactions that I have been fraudlently charged.
Consumer complaint received 2022-11-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (MI)

I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
Consumer complaint received 2022-11-28
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: EQUIFAX, INC. (MN)

I have received multiple inquiries on my credit profiles. From unknown sourcesXXXX  equifax, XXXX in the past. I was victim of my identity and personal information being exposed. Only hard inquiries should be on my report is XXXX. XXXX XXXX on XXXX, and XXXX XXXX. On my XXXX profile. I since placed security freeze on my profiles. Attached to this complaint is police report, and fedral trade identity theft report number.. Equifax is knowingly reporting over XXXX fraudulent hard inquiries. Address that dont match my id. equifax is also still blocking me from see my credit report after I purchased the monitoring subscription through equifax website.
Consumer complaint received 2023-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (MO)

I have a XXXX credit card and XXXX has gone into my checking account unauthorized for the last XXXX months and taken {$200.00} dollars each time to pay on my balance. 

The minimum payment is less than {$40.00} so, they have received over {$240.00} twice, by accessing my checking account and just taking {$200.00} extra each month. 

I contacted them last month and was informed that They would replace the overage. 

I received a letter informing me that they were keeping the overage. 

They took another {$200.00} above my authorized payment again this month, XX/XX/2023.
Consumer complaint received 2022-11-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Rodenburg LLP (MN)

I first contacted the company, Rodenburg Law Firm, on XX/XX/2022, after being receiving a garnishment notice from XXXX on behalf of my employer. I immediately emailed Rodenburg Law Firm a signed and filled out exemption form from the State of Minnesota the same day, XX/XX/XXXX. I called Robenburg Law Firm the same day to confirm their receipt of the email that included the exemption form and they confirmed they received it and will forward it for review. At the time, I was presented with two options. One option was to wait for them to work with the county to confirm the exemption and the second option was to send in proof myself. This was in regards to me proving that I received rent assistance from XXXX Balance Program ( case ID XXXX ), which would make me exempt from my funds being garnished. I went with the first option, as I just sent the same exemption form to Rodenburg back in XX/XX/2022 when they initially tried to garnish my funds. Back in XXXX Rodenburg sent a release to ADP to stop the garnishment with no issue, so I figured the same would apply in XXXX. 

However, this was not the case, as I contacted Rodenburg on XX/XX/2022, for an update on the release. I was then advised that XXXX XXXX XXXX XXXX in Minnesota in which I received rent assistance in ) said I was no associated with the case ID ( XXXX ). Again, I had received a release using this same case number back in XXXX. I was then told to send in any proof that I received assistance to Rodenburg directly. I sent in all the documentation I could find on XX/XX/2022. I was not the main applicant, but I am on the lease and I am listed as a household member on the application for assistance ( meaning my info was used in the decision making process ). This included the application ( showed the address, case number, and applicant 's name ), the section that showed household members ( my name was listed along with my children and the main applicant ), a copy of the lease ( showing my name and the main applicant 's name ), and an email confirmation showing we were approved for assistance. 

I followed up with Rodenburg today, XX/XX/2022 and they still refused to acknowledge my exemption. If I'm on the lease and on the application, how am I not a recipient of relief based need? My information was used in the decision making process on if we qualified for assistance. Also, I am everybit as liable for the lease as the primary applicant, meaning if we were evicted it would go on my record. So any payments for that lease are also for me directly. 

On XX/XX/2022, over {$470.00} was garnished from my check after I already told them I was exempt. I am currently the only working adult in my household and this is causing a great hardship, especially during holiday season.
Consumer complaint received 2022-11-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (MI)

RESURGENT CAPITAL SERVICES received a request to validate the alleged debt and to provide the name and address of the original creditor per Title 15 U.S. Code 1692 on XX/XX/2022 from us. RESURGENT CAPITAL SERVICES responded and was received on XXXX XXXX stating that the " enclosed account summary provides verification of debt ''. No proof has been given per Title 15 U.S. Code 1692.
Consumer complaint received 2022-11-28
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: Lendmark Financial Services (NC)

LENDMARK FINANCIAL Services called me today and wanted to make me a loan offer. The lady that called told me they would pull my credit report to do this. I asked if that would count as an inquiry and she stated " yes. '' I told her she did not have my permission to do this as I did not want a hard hit on my credit reports. She stated " OK, if you change your mind about borrowing money from Lendmark, call us back because we have to do the credit pull to complete and application. '' XXXX later I get a email stating someone had pulled my credit & it was Lendmark. I called and spoke to the local XXXX XXXX. She stated " We did not pull it, it must have been someone else. '' I told her that was not true and it was Lendmark after I told them not to do so. She then stated, " I am not sure how to remove it and will have to contact our home office and call you back. '' XXXX 's local number is XXXX. 

I also called XXXX and they told me I would have to file a fraud report to get them to assist me with the removal of the inquiry by Lendmark.
Consumer complaint received 2022-11-28
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: Convergent Resources, Inc. (VA)

Hi this account with XXXX  XXXX XXXX XXXX was removed from my XXXX XXXX report based on online fraud this account was obtained under false pretense online with this company. I did not open this account and provided no information to this company please remove this account from my credit report. 

CONVERGENT OUTSOURCING this account was obtained by phone or online under false pretense i did not open this account and use services related to this company this account was removed from my XXXX XXXX account based on fraud please remove this account from my credit report.