davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

Starting on XXXX to XX/XX/year> I did multiple payments to a company that was gon na do a delivery of a puppy to me, after paying they were so many delays on their part as to why the puppy can not be delivered to me, until i decided to file a report to the police cause that is when I realized I got scammed. They threatened me if I do not finish paying, due to fear I continue paying. I filed a police report and filed a claim to my bank on the same day XX/XX/year>. I saw that my bank denied my claim on XX/XX/year> and then I called the bank on XX/XX/year> and they are saying because the payments were done by a third party they can not dispute it, i asked if i could file an appeal they did not let me, so they did get to see my evidences.
Consumer complaint received 2020-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

AMEX research results are not consistent with true transaction history with XXXX. AMEX might have technical issues with XXXX in issuing XXXX cash to the customer account. I have been holding the personal platinum credit card for a very long time. In the past, I have no issue in using the XXXX credit from AMEX because I always enrolling my personal amex card with AMEX. Starting from XX/XX/XXXX, things went wrong. The AMEX XXXX  cash {$15.00} can not be applied. In XX/XX/XXXX, AMEX reverse the issued XXXX cash of {$35.00}. I delinked the card and enrolled again in XX/XX/XXXX. It doesn't help. I haven't received XXXX cash for XXXX and XXXX XXXX XX/XX/XXXX, I tried again to delinked the personal platinum card and re-enrolled it gain. Same issue. I have all transaction documents from XXXX cash account. AMEX is welcomed to contact you for the transaction history. AMEX owe me the XXXX cash of {$80.00}. I ended up paying that out of pocket. I would like to request of XXXX Membership points as goodwill gesture.
Consumer complaint received 2024-10-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (FL)

From XXXX I attended XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX This institution was found to have practiced misconduct and predatory practices during my attendance at the school. My federal loans were forgiven under XXXX XXXX XXXX XXXX. 
Although I qualify to have my private loans forgiven, XXXX  has denied my application. The following are the dates on which actions were taken by me and/ or XXXX. 

- XX/XX/year> : I contacted XXXX  to request a school misconduct application. 
- XX/XX/year> : XXXX  sent a school misconduct application to me via email. 
- XX/XX/year> : XXXX  notified through email that my school misconduct application was received. 
- XX/XX/year> : XXXX Mohela denied my school misconduct application.
Consumer complaint received 2024-10-30
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (NV)

I signed up for the Best Buy Credit Card on XX/XX/year> to get their promotional 15 % back on my first purchase. That purchase was a washer/dryer set that cost {$1500.00} ( before taxes ). I received only 5 % back in rewards for that purchase. I have called XXXX times over the last 60 days to find out where the rest of my rewards are, each time they say they are 'escalating the situation and someone will contact me or I will have the rewards within XXXX days '. I wait 5 days and call again, rinse and repeat. 

Best Buys website right now has the same promotional advertisement. Usually the 5 % is XXXX points per dollar spent. The promotion promises 15 % which would be XXXX points. This is confirmed in their small print on the offer saying that it would be an additional XXXX points per dollar on the first purchase. XXXX points on {$1500.00} would be XXXX points. Every XXXX points can be converted into a {$5.00} dollar reward certificate. That would be XXXX {$5.00} reward certificates or {$220.00}. I received only {$70.00} from this purchase ( I did receive another XXXX $ from a subsequent purchase at the regular 5 % rate ). I would like the additional promotional rewards credited to my account as advertised. I have tried for 2 months to resolve it with Best Buy, but they have done nothing to help.
Consumer complaint received 2024-10-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (VA)

I have been on XXXX XXXX SINCE THE EARLY XXXX XXXX ALWAYS GOT PAID IN A TIMELY MANNER. I OPENED AN ACCOUNT WITH WELLS FARGO BANK SINCE XXXX WITH NO PROBLEMS. FOR ABOUT A YEAR OR YEAR AND A HALF IVE BEEN ENROLLED IN EARLY PAYDAY OFFERED BY THE BANK BEING PAID NO LATER THAN THE XXXX OF EACH MONTH. IM STILL WAITING ON MY US TREASURY DEPOSIT FOR MY XXXX XXXXXXXX. TODAY IS XXXX XX/XX/XXXX AND STILL WAITING FOR MY DEPOSIT. PLEASE HELP. My phone number is XXXX XXXX XXXX
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WI)

After I reviewed my consumers report, I noticed that there were XXXX accounts listed that do not belong to me. Here are the accounts below XXXX XXXX XXXX Bal- {$7900.00} Opened XX/XX/XXXX XXXX  XXXX Bal- {$3800.00} Opened- XX/XX/XXXX
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (PA)

Experian has some kind of internal block on my credit report/profile and Im asking them to remove it as soon as possible. I would like for Experian to remove any/ all internal blocks, credit freezes, security freezes or any other blocks, they may have placed on my Experian credit report/profile as soon as possible.
Consumer complaint received 2024-10-29
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC (VA)

Received an indigo credit card in the mail ~ 1.5 months ago -- > shrugged it off as I wasn't aware, but figured it was a gimmick like many other credit card companies send out -- > received a statement ( see attached ) ~ 2 weeks ago indicating an annual fee charge but with no payment due -- > called and spoke with a rep. who asked me for my SSN -- > I declined to give my SSN -- > she verified my address, DoB, and name and then found the account -- > I requested the application that was filled out with my information -- > she declined by saying it was done on the web and transferred me to the fraud department -- > fraud department rep. was also non-native English-speaking -- > reported he was going to send me a letter for the next steps -- > I urged him to tell me what the next steps were found in the letter -- > he wasn't able to provide any information and kept repeating himself -- > I asserted that I would be reporting this situation to the government and it became awkward with him attempting to end the conversation -- > I urged him to close the account and that I was in NO WAY responsible for any payments on the account -- > he agreed and ended the phone conversation.
Consumer complaint received 2024-10-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (CA)

I was victim by fraud online investment. I found a XXXX XXXX  ( XXXX ) XXXX on XXXX advertising short video that I DM him that I was interesting to join class learning how to investment work. I may believe with him I may will successfully with investment. since a month late XX/XX/year> Unfortunately I found out that he refuse give me XXXX, he try to push me hard I pay him more and more. I use XXXX to coach 's student XXXX XXXX with {$4200.00}, I decide to stop pay and block all his account XXXX, XXXX and XXXX, I head rumor He is unlicensed of business investment. I want to get my reimburse. I want bank will no decline and will refund my money
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

Unfortunately, I am a victim of human trafficking o Debt bondage. I have made the company aware of this that ther are multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to XXXX. XXXX ( b ) ( XXXX )
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (IA)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Former : XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX AV XXXXXXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Employers : XXXX XXXX  Employers : XXXX XXXX XXXX : XXXX XXXX Employers : XXXX XXXX XXXX collection : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (FL)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Late Payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry XXXX XXXX XXXX XX/XX/year> Personal Information : NAME : XXXX XXXX NAME : XXXX XXXX EMPLOYER : XXXX XXXX XXXX XXXX EMPLOYER : XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX -- XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XXXXXXXX XXXX EMPLOYER : XXXX XXXX EMPLOYER : XXXX  EMPLOYER : XXXX XXXX XXXX
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX AND XXXX XXXX BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN XXXX BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX A Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX XXXXDate of Inquiry XX/XX/XXXX
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (CA)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection/charge off  XXXX XXXX XXXX XXXX inquiries XXXX XX/XX/XXXX personal information Name : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX Employers : XXXX
Consumer complaint received 2024-10-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp. (TX)

Formal Demand for Debt Verification under 15 U.S.C. 1692g To Whom It May Concern, This letter serves as a formal request for debt verification in accordance with 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ). I am disputing the validity of the alleged debt that TrueAccord Corp. claims I owe. As such, I am exercising my rights to demand full verification of this alleged debt before any further collection actions are taken. 

According to 15 U.S.C. 1692g ( b ), once a debt is disputed, all collection activities must cease until TrueAccord Corp. provides verifiable proof that the debt is valid. As established in XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX. XXXX ), any alleged debt must be verified through specific, concrete documentation. General statements or mere assertions are insufficient to meet this requirement. 

Verification Requirements : I am requesting the following information to verify the alleged debt : Proof of Original Creditor : A copy of the agreement or contract with the original creditor that establishes the basis for the alleged debt, along with a clear history of how the debt originated and changed hands. 
Evidence of Legal Authority : Documentation that demonstrates TrueAccord Corp. has been assigned or granted the legal right to collect the alleged debt, including any contracts or assignments that support this authority. 
Detailed Account and Payment History : A full breakdown of the alleged debt, including the principal amount, any fees or interest, and a comprehensive calculation of the total sum claimed. 
Until these requirements are met, TrueAccord Corp. is prohibited from engaging in further collection activities, as mandated by federal law. The court case XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX. XXXX ) emphasizes the necessity for debt collectors to validate their claims with clear, documented evidence. 

Notice of Legal Action : If TrueAccord Corp. fails to provide the requested documentation, or if there are further collection attempts without proper validation, I will have no choice but to pursue all legal remedies available under the FDCPA. I am prepared to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and I will not hesitate to take legal action if necessary to protect my rights. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I turned in my lease with XXXX XXXX  ( auto ) in late XXXX, early XXXX of 2023 and leased a new XXXX with XXXX XXXX. Upon turning in my lease there was a disposition fee I wasnt aware of, and the dealership where I returned the vehicle and got a new one did not take care of this fee. I was made aware of it via email and I took a settlement that was offered for this fee not realizing this would be reported to credit bureaus as a charge off over a fee I didnt even realize was something I needed to take care of. This fee was {$390.00} of which I paid {$230.00}. I would have paid it in full if I realized this would be reported negatively to credit bureaus as a charge off. This has completely ruined my credit taking it from above an XXXX to below a XXXX. I have called since XXXX of this year to get this resolved and still havent got anywhere. I have offered to pay the {$150.00} difference to get this removed from my credit report. They have told me that they can open the account back up and I can pay the difference for the fee ( {$150.00} ), but they wont stop reporting the charge off. Thats wrong and terrible business practices. I am so on top of my credit and Ive never even had a late payment. My credit and livelihood are being ruined over some fee that Ive never experienced before when leasing a vehicle and Ive had 3 leases so far. This is ridiculous and needs to be resolved.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I have attempted on multiple occasions to obtain proof of my late payment when I have never paid anything late as you can see on my credit report. I have XXXX XXXX homes and many auto loans in the XXXX XXXX XXXX and have never paid anything late. This is a reporting error on behalf of XXXX  XXXX XXXX and the credit bureaus have failed to correct it. This account is now closed and paid off but the late payment for XX/XX/year>2024 is incorrect. Please help me in getting this issue resolved so they can reverse the late payment thank you.
Consumer complaint received 2024-10-29
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: Experian Information Solutions Inc. (WA)

I asked Experian why my credit score dropped XXXX points in one day when nothing changed on my credit report. They sent an email today telling me they could better respond to my question over the phone. I already tried that and they cant explain over the phone. I want the response in writing.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: STATE EMPLOYEES CREDIT UNION (NC)

I have inquires on my account that I was unaware of and some are incorrect in numbers. XXXX  mislead me with hidden fees whenever I tried to cancel my services when it became to expensive for me to afford they assured me my account was in good standing when in reality I was just putting myself in a hole. XXXX  mislead me with a flyer they sent to my mailbox advertising free internet services for Medicaid recipients then hit me with a bill that I was unaware that i would be getting. State Employees situation I wasn't in the best financial space & could no longer afford the payments but I am working on it.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (FL)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Late Payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry XXXX XXXX XXXX XX/XX/year> Personal Information : NAME : XXXX XXXX NAME : XXXX XXXX EMPLOYER : XXXX XXXX XXXX XXXX EMPLOYER : XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX -- XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XXXX XXXX  EMPLOYER : XXXX XXXX EMPLOYER : XXXX  EMPLOYER : XXXX XXXX XXXX
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (FL)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows 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 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 XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX