davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (MD)

AFFIRM INC Account number XXXX  Account type XXXX XXXX Individual Date opened XX/XX/XXXX Status Open. {$32.00} past due as of XXXX XXXX. 
Status updated XXXX XXXX Balance {$120.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment {$32.00} Original balance {$170.00} Highest balance - Terms 6 Months Account name AFFIRM INC Account number XXXX Account type XXXX XXXX Individual Date opened XX/XX/XXXX Status Open. {$37.00} past due as of XXXX XXXX. 
Status updated XXXX XXXX Balance {$140.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment {$37.00} Original balance {$200.00} Highest balance - Terms 6 Months
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (FL)

XX/XX/2023 report of Bankruptcy by XXXX XXXX XXXX Lexis Nexis and XX/XX/XXXX of discharge. This was not reported by the bankruptcy courts, my information was looked up illegally and was reported to the credit bureaus by Lexis Nexis which needs to be removed from my XXXX credit reports.
Consumer complaint received 2024-04-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (MO)

I closed my business checking account with US bank and wired my money out. 

I was not told there were any fees for this. 

After the money was moved, I called and closed the account. It was closed without issue and no notice that I owed any money. 

1 month later I received a bill from US bank for a wire fee ( {$40.00} ) and wire advice mail ( {$12.00} ) totaling {$52.00}. 

I called US Bank to ask about the fees and why they weren't disclosed prior to closing the account. If I had known, I would have done an ACH. 

They told me the wire fee is standard and the wire advice mail was the cost for mailing me a letter to say I had done a wire. Note this is after the account had been closed. Also the fact that US Bank is charging {$12.00} to mail a letter that could be sent electronically is a joke. The mailing letter fee is a total junk fee that I never consented to. 

All fees need to be disclosed prior to closing.
Consumer complaint received 2024-04-15
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Synovus Bank (MO)

I opened a First Progress secure credit card when I was down on my luck and unemployed. I have since worked on my credit and paid my obligations, and I don't need secure cards anymore. I also wanted to pare down what credit I had out there that I wasn't using. I closed this credit card account. I was never advised that it would take 70 days or 10 weeks to receive the deposit back. Isn't this a bit much? You hold my money for two months and I don't receive interest? Other cards that have my deposits are not taking that long.
Consumer complaint received 2024-04-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (SC)

On XX/XX/XXXX XXXX I got a cashier 's check from my credit union for {$8500.00} and took it to Well Fargo Bank in XXXX XXXXXXXX XXXX XXXXXXXX and deposited it into the account of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I thought this to pay for the protection of a grant I applied for. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  told me this was to make sure I got the grant money securely. I was so XXXX to even believe this, but a so-called friend told me she received a grant after chatting with XXXX XXXX XXXX on XXXX. After receiving my money XXXX XXXX XXXX  contacted me and said the IRS was holding my grant and wanted {$15000.00} more dollars to release it. I have been fighting for days to get my money refunded. To no avail.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (NY)

On XX/XX/XXXX LexiNexis revealed my private personal information to another person without my consent. That person contacted me to make me aware of this illegal activity. The private personal information included my current address and previous addresses and, most egregiously, my social security number. 
The report containing this illegally revealed private personal private information comes from LexisNexis through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-15
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (GA)

I called Genesis Credit about a collections that showed up on my credit report from an apartment my wife and I rented 4 years ago and we have an XXXX XXXX XXXX dog. I requested proof of ownership of the debt, itemization of charges, pictures, and original lease from landlord. The guy was debating the charges with me and saying there was no pictures and than later he told me a year earlier they sent me pictures with an email. He told me they do not send document in mail, only by email. I busted him for lying and he became abusive and basically called me a child and he told me he refused to send me any documents I requested and to call him back when I grow up and hung up. 
I did receive a charge document with a lease document that afternoon. The charge document ony has my wifes name on it and it is not signed by the manager. Also the Charges document was made the very next day after we moved out for carpet repair, paint repair, and for cleaning. How they got all that done and invoices made in one day is incredible. Contractors are usually very slow. Kudos to them for one day service. 
The lease contract they presented to me does not have mine and my wifes signature on it, nor our initials on it. Its a forgery. Nor does it have our dog on the lease, it doesnt show our pet rent, our non returnable pet deposit, its a complete fake. Whover made it up didnt know we have a dog in our household, who is a service dog. 
They are not responding to my emails, I am calling them and they are verbally abusive,, not sure what to do.
Consumer complaint received 2024-04-15
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (WI)

MY latest dividend was endorsed not to myself but rather to CITI. CITI has not credited my account, nor have they returned MY bond. I've also sent a registered letter to XXXX XXXX, requesting my security interest not be withheld from me ; followed up with a brief note stating, " Hello XXXX, I'm following up on a registered mail item I sent you regarding account no. XXXX. Please respond asap. Regards , XXXX XXXX XXXX '' Both of my letters have been ignored. 

Note, LEGISLATIVE CONGRESSIONAL RECORD-HOUSE, page 78, XX/XX/XXXX, Title IV which outlines Sec. 401, the sixth paragraph of section 18 of the Federal Reserve Act : " Upon the deposit with the Treasurer of the United States ( a ) of any direct obligations of the United States or ( b ) of any notes, drafts, BILLS OF EXCHANGE or bankers acceptances acquired under the provisions of this act ; when such circulating notes are issued against the security of obligations of the United States the amount of such circulating notes shall be equal to the face value of the direct obligations of the United States so deposited as security : and, when issued against the security notes, drafts, bills of exchange, and bankers ' acceptances acquired under the provisions of this act ; SHALL BE REDEEMABLE IN LAWFUL MONEY of the United States on presentation at the United States Treasury or at the bank of issue. ''
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Milliman, Inc. (GA)

Milliman for inaccurate info about my medical records and credit history to several entities. The medical info was not accurate, the employment info it contains has some errors. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Credit Control, LLC (FL)

On XX/XX/XXXX a vehicle I was financing through XXXX XXXX XXXX was stolen. On XX/XX/XXXX XXXX XXXX XXXX paid a settled amount for the amount of {$8700.00} to XXXX XXXX XXXX for the stolen vehicle. XXXX XXXX XXXX never contacted me to tell me that I was responsible for a remaining balance of approximately {$2600.00}. On XX/XX/XXXX, I received a call from an XXXX who is working on granting me a security clearance for a XXXX position. The XXXX informed me that I have a report on my credit score regarding an unpaid debt to XXXX XXXX XXXX. I contacted XXXX XXXX XXXX XXXX XXXX  on XXXX XXXX twice to request information regarding the supposedly outstanding balance. XXXX provided me with the phone number and name of a collector company, Credit Control. I contacted them and spoke with XXXX XXXX. He stated XXXX opened an account with them on XXXX XXXX regarding the supposedly outstanding balance and informed me XXXX never provided them with my email address or phone number. I asked them why they wanted to collect the supposedly outstanding balance when I was never contacted before for the past 7 years/ almost 8 years. They told me to contact XXXX for any questions, and that they will be putting the account on hold until they send my questions to XXXX and will the answers from them. I contacted XXXX XXXX XXXX XXXX  again, and this time they told me that they have sold my account to different collector companies starting on XX/XX/XXXX, but all the collectors closed the accounts, so XXXX kept selling the account to a different collector over the past 7 years/ almost 8 years. However, XXXX never contacted me, nor the many collector companies to include Credit Control. I requested to speak to a supervisor and was informed the supervisor was busy. I asked if it would be possible to get a detailed account history report with all the collector companies and their reason behind them closing the collector accounts for over the years. I was told XXXX did not have that information. I asked if I could speak with a person from XXXX that was willing to explain the charges, provide documentation and wanted to work on a payment agreement. I was told to contact Credit Control. 

Credit Control XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2024-04-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Crown Asset Management, LLC, Duluth, GA Branch (GA)

Crown Asset Managment LLC processor XXXX XXXX XXXX XXXX is attempting to collect an incorrect amount of time barred debt. The orginal amout owed is {$1500.00}, They claim I owed {$1800.00}, now they claim the principal is {$1800.00}.
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA (NJ)

I was reported to the credit agencies for a late payment on the Goldman Sachs apple card, after repeated requests from apple card to send bills to either my home address, or another ( actually functional ) email address. Their customer service representatives were not fully clear on this policy. Despite the fact that they said they were unable to do either, when the payment was late ( 30 days ), they reported me to all three agencies. Even after I paid off the account in full, they continued reporting me to the agencies, even after a dispute I filed. When I called Apple they said they 1. did not provide mailed statements, and you had to call in every month to get one, and 2. it was impossible for them to send emailed statements to an account that was not the apple account, even if the apple email address was inaccessible. 
Basically they were deeply unhelpful, and said everything that happened was my own fault, even though the account was paid off in full.
Consumer complaint received 2024-04-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

On XX/XX/ 2024, several times I attempted to sign in to my credit card account. Each time after I entered the new code sent to me in this two-step authorization process, Capital One terminated the process and went back to its blank generic page. When I called customer service, Capital One was unable - or unwilling- to identify the problem with its IT. I was told just to try again on another date, without resolution. Thus, I am unable to make a payment that is due.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (GA)

The following company JP morgan chase bank is currently showing on my credit report with XXXX, XXXX, and XXXX, as a credit card with a limit of {$11.00}, XXXX balance of {$11.00}, XXXX. I have tried to resolve this matter amicably with this company via letter sent certified mail and through the credit reporting agencies as well. The card was open in or around XX/XX/2022. The information does not match who I am, address, phone, email etc. As I have explain to JP Morgan Chase Bank. I am not the one who open this account. Someone out there is using my personal information to obtain credit. I have file FTC identity theft report and Police report and sent copies to Credit reporting agencies to advise them and add a fraud alert on my file. I am reaching out to the CFPB to help me resolve this issue.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I was shocked to find inaccurate accounts on my credit report this morning and cant figure out why they're there. When I checked, as I routinely do, unexpected discrepancies appeared out of nowhere. I even refreshed my browser, hoping it was a glitch, but the incorrect accounts remained. Because of this, I am requesting that the documents I've provided be reviewed carefully so I can have peace of mind about this.
Consumer complaint received 2024-04-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (MA)

Notified by XXXX XX/XX/XXXX about debt to LVNV Funding Requested verification & item was removed from credit report Recieved communication from Resurgent Capital on XX/XX/XXXX that LVNV submitted a debt to " prelegal '' status XX/XX/XXXX I received no communication from LVNV Funding or Resurgent Capital until XX/XX/XXXX XXXX
Consumer complaint received 2024-04-18
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Kikoff Inc. (CA)

KIKOFF LENDING IS REPORTING LATE PAYMENTS ON MY ACCOUNT, KIKOFF LENDING REPORTS DIFFERENT LATE PAYMENT MONTHS TO EACH OF THE CREDIT BUREAUS. THE INFORMATION THEY ARE PROVIDING TO XXXX, XXXX AND XXXX IS NOT CONSISTENT ACROSS THE 3 BUREAUS AND THEREFORE NOT ACCURATE. KIKOFF HAS A LEGAL OBLIGATION TO PROVIDE TRUE AND ACCURATE INFORMATION TO THE CREDIT BUREAUS. 

IF THE CREDIT BUREAUS SHOW DIFFERENT " LATE PAYMENT '' MONTHS FOR THE SAME ACCOUNT KIKOFF LENDING IS CLEARLY NOT PROVIDING ACCURATE INFORMATION TO CREDIT BUREAUS AS REQUIRED BY VARIOUS STATE AND FEDERAL LAWS. 

I HAVE REACHED OUT TO KIKOFF SEVERAL TIMES REGARDING THESE DISCREPANCIES, I HAVE PROVIDED KIKOFF WITH EVIDENCE SHOWING THE CLEARLY INACCURATE INFORMATION IN DATES AND HAVE ONLY RECEIVED BOILER PLATE RESPONSES REFERENCING THEIR INTERNAL COMPANY POLICIES.

FURTHERMORE, THE THREE AGENCIES ALSO HAVE A LEGAL RESPONSIBILITY TO SHOW ONLY ACCURATE VERIFIED INFORMATION ON MY CREDIT PROFILE. 

IF HAVE PROVIDED THIS INFORMATION TO THE CREDIT BUREAUS AS WELL. 

THERE HAS BEEN NO REMOVAL OR CORRECTION OF THIS INACCURATE INFORMATION AS IS MY RIGHT UNDER BOTH STATE AND FEDERAL LAWS PROTECTING CONSUMERS.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CALIFORNIA XXXX Date of Birth : XX/XX/XXXXXXXX  SS # : XXXX date:1XXXX Subject : Complaint Regarding Incorrect Account on My Credit Report Under FCRA Dear Consumer Financial Protection Bureau , I am writing to file a complaint about an account that does not belong to me and is inaccurately reported on my credit report, in violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

The account in question is with [ name of the financial institution or bank listed on the report ] and has been incorrectly associated with my name. This error has negatively impacted my credit score and my ability to access credit and other financial services. According to the FCRA, specifically Sections 611 and 623, I am entitled to accurate information in my credit report. 

Information on the Disputed Account : Name of Financial Institution : XXXX XXXX XXXX Account Number : XXXX Date of Account Opening : XX/XX/XXXX Current Reported Balance : {$16000.00} I have attempted to resolve this inaccuracy directly with the financial institution and the credit reporting agencies, but I have not received a satisfactory resolution. Under Section 611 of the FCRA, I have the right to have this incorrect information investigated and corrected in a reasonable timeframe. Furthermore, Section 623 of the FCRA requires that data furnishers report only accurate and verified information in consumers credit histories. 

Enclosed with this letter are copies of my identification and other relevant documents that may assist in verifying my identity and supporting my claim. I appreciate your assistance in rectifying this error and ensuring compliance with the FCRAs accuracy and precision requirements. 

Thank you in advance for your attention and help in resolving this complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-04-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TX)

On three separate occasions, XX/XX/2024, XX/XX/2024, XX/XX/2024, I have sent certified letters requesting signatory evidence that I have ever opened an account with XXXX XXXX XXXX XXXX Resurgent Capital Services who is acting as a collection agency for XXXX XXXX XXXX  has sent me back three identical form letters. Each letter contains this statement, ( 'We have reviewed your dispute and applicable account records and determined that there does not appear to be sufficient information to support your claim of the inaccuracy. We therefore deny the alleged inaccuracy because of our belief that our information regarding the account is accurate. ' ) I find it interesting that Resurgent Capital Serices has account records and sufficient information to deny my claim of inaccuracy. Why if they possess so much information to make such an important determination why am I not entitled to see copies of these records? I think the answer is quite obvious, they do not have any information to prove the debt belongs to me. I believe Resurgent Capital Services will continue you to deny my what I am legally entitled to in the hopes that I will pay off a debt that is not mine. This company is blackmailing me with my own good name and credit reports. 
I have filed a small claims court suit through the XXXX  Attorney General 's Office on this issue on XX/XX/2024 with XXXX XXXX XXXX, which acts as Resurgent 's registered agent. On XX/XX/2024 I filed a small claims case in my home state of XXXX. I am pursuing every option availabe until this inaccurate information is removed from my credit reports.
Consumer complaint received 2024-04-19
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Crown Asset Management, LLC, Duluth, GA Branch (GA)

I received a court summons yesterday, XX/XX/year>. It was from Crown Asset Management , LLC trying to collect on a debt. I called their law office on XX/XX/year> to discuss the debt and I informed them that they shouldve contacted me before filing a lawsuit. I had never heard of them and I dont know who they are. Essentially, I was blindsided. The person I spoke to, who didnt identify himself, said that they sent a letter in the mail, but I never received a letter from this company, nor was I given a proper opportunity to evaluate the validity of the debt. I asked why I wasnt called because I always have my phone and they couldve gotten in touch with me. The person I spoke to said, we dont make phone calls. Again, I expressed that I didnt think it was fair to have a lawsuit filed against me before addressing the matter outside of court and the person cut me off mid-sentence and said, well since youre so upset about the lawsuit, well handle it in court! Then he hung up in my face. I still dont know how valid this debt is, and I dont appreciate being disrespected when I was simply making an inquiry and an honest attempt to solve the issue. Crown Asset Management , LLC did not properly inform me of the debt, have not given me the opportunity to validate the debt, and rushed to file a lawsuit before contacting me about their problem. They have made a public display at humiliating me, as civil suits are public record, and I have never even heard of these people.
Consumer complaint received 2024-01-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: M&T BANK CORPORATION (TX)

I made extra payments as they stated to do to pay the principal balance and they refused to apply the extra payment towards the principal as they stated it would be. Spoke with XXXX XXXX refused to correct what was supposed to be applied to the principal balance. 
I was told by XXXX that the bank policy overrides any laws federal or state.