davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-15
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: EQUIFAX, INC. (FL)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2024-08-16
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NY)

a credit card payment was made from a linked account from my sons checking which was an error in key strokes in computer on line banking. as a result my son reported this to citi bank and they clawed the money back making my cc in arears. as a result for a whopping XXXX dollars they closed XXXX accounts with a credit line of upwards of XXXX. the error has been corrected but they stated a pattern was evident. I have been with citi from XXXX  and have had mortgages and loans without issue i am an employed XXXX  and make a good salary i am appalled as to their inability to realize a mistake was made its not fraud nor a liability
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (NC)

On XX/XX/XXXX, I received a notification from XXXX XXXX that I had a new inquiry on my XXXX report from Wells Fargo Card Services. I reached out to Wells Fargo and they stated that they did not have any active applications in my name. I am a Wells Fargo customer and do have a credit card with them, but I have not applied for a new line or an increase with them. I have not applied for any new credit lines since late XXXX.
Consumer complaint received 2024-08-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Lloyd & McDaniel, PLC (GA)

Lloyd and McDaniel debt collector is reaching out to me as a debt collector from XXXX XXXX stating they will sue me for a charge off account that I have not been told was charged off. I am a XXXX XXXX Credit card holder with no relation to Lloyd and McDaniel. 

This account negatively impacting my credit score and needs to be removed and closed. As Lloyd and McDaniel is a debt collector not XXXX XXXX.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WI)

XX/XX/2023, I sent letters to XXXX, XXXX and Equifax about the following fraudulent accounts and they have not yet to follow CFPB Laws our rules. 
XXXX {$0.00} ACCOUNT # XXXX XXXX XXXX XXXX {$800.00} ACCOUNT # XXXX /XXXX XXXX XXXX {$850.00} ACCOUNT # XXXX /XXXX XXXX XXXX {$1400.00} ACCOUNT # XXXX.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (NY)

XXXX did correct some of the errors on my record and we have made progress but they continue to allow the 4 companies in my attached letter to report information that in inaccurate. I have followed proper procedure, produced evidence and provided legal basis 's to them as to why their reporting is inaccurate and must be corrected. It can be summarized as follows : 1. Reporting an account charged off with a balance is patently and legally false, as it is NOT owned by the company reporting it month by month after the charge off and sale 2. Reporting late payments on a charge off for the exact same reason as # 1 3. Reporting the worst status as charge off is also false, as the company made that choice, I did not choose this, so this needs to be corrected 4. Numerous times on a single record shows late payments, which is used as a punishment by these companies and they are breaking the law knowing reporting false information for that reason.
Consumer complaint received 2024-08-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (OH)

In 2022, Wells Fargo opened multiple accounts in my name without my persmission. 
Thus far, they have never confirmed the account were closed. Neither did they ever contact me to make this right as part of their settlement. This company has violated several of my consumer right. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Southwest Credit Systems, L.P. (NY)

After reviewing my consumer reports I noticed that Southwest Credit Systems is unlawfully furnishing nonpublic personal information on my consumer reports and nonpublic information that is not accurate. In the report it states that I owe Southwest Credit Systems {$170.00} But I never done business nor have a contract with Southwest Credit Systems to owe this alleged debt. Furthermore, pursuant to the Fair Credit Reporting Act 15USC1681B which outlines permissible purpose in obtaining consumer reports, Southwest Credit Systems did not obtain my written consent to furnish any non public perosnal information on my consumer report nor provided me an option to opt out. This also violates the Privacy act of 1974 which mandates the protection of individuals personal information held by federal agencies and other organizations. By unlawfully reporting nonpublic personal information without my consent, Southwest Credit Systems has infruigued my privacy rights,. Also will like to state that Southwest Credit Systems has committed identity theft by mishandling my social security number, which is a serious violation of my privacy and security.
Consumer complaint received 2024-08-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: XOOM CORPORATION (CT)

Hello I need help with a transfer that my friend sent on XX/XX/2024. She sent me {$140.00} via Xoom and the transfer code # XXXX. Instructions to pick up was Government ID and code # XXXX. However, when I showed my Driver license at a local branch in XXXX, CT, they told me at the local branch that I was not allowed to pick up the funds but I asked why I was not allowed to pick up the money but they did not give me any further details. I also when at a different branch on a different date I was not able to pick up the funds.So I contacted Xoom customer service on XX/XX/2024 about this matter to know why am I not allowed to pick up the {$140.00} transaction # XXXX that was sent me. Xoom customer support told me that they need to speak directly with the sender about this for the reason they asked me to tell the sender to contact Xoom. I answer them that I need answer about my issue, but if they want to speak with the sender they have her contact
Consumer complaint received 2024-08-16
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc. (GA)

In XXXX I had service with XXXX XXXX  My bill went up by XXXX dollars without any new premium channels. When I called XXXX to enquire why. After being on hold for a lengthy time the XXXX representative stated I was no longer under the promotionary period. Therefore I signed up with XXXX and XXXX days later I notified XXXX to discontinue services with them. They then tried to say that I was still under the promotionary period. I explained that their representative that I had spoken to less than a week before had said I was not. They verbalized they would review the call and get back with me. Within 24hrs they called me back and stated that they had reviewed the call and noted where he did tell me that but the information was erroneous and that I was supposed to have several more months under the promotionary period. I explained that it was not my fault that he had given me the wrong information and therefore I should not be penalized for going with another company. They conceded this and stated they were going to close the case. This was in XXXX or XXXX of last year. I've heard nothing more from them until I received an alert from a credit monitoring service that says I had a new collection. When I contacted the collection company I found out it was from XXXX XXXX. They reported {$890.00}. I informed them that this was incorrect and that I would contact XXXX. When I called XXXX they were able to review my old account and it was notated that the representative had given me the wrong information so they waived the early termination fee but stated they never got the equipment back from me. I informed them that I still had it boxed up in my garage but on the most recent email I had received from them it had stated that I would not be charged for not recycling the equipment as you will see from the screenshot attachment from them. I reached out to them on Monday of this week and was told that I owed them nothing and had a XXXX balance. When I called the collection company they stated that I still had to pay them {$290.00} despite the original creditor saying I did not owe anything. They were not amicable and downright hateful
Consumer complaint received 2024-08-14
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Prosper Marketplace, Inc. (NJ)

On XX/XX/year>, I was charged a {$29.00} late fee to my account ( which was late ). On Monday XX/XX/year>, at XXXX, I received the first call from Prosper LLC . I was at work and did not answer, but Prosper LLC left a message regarding the lateness of the account which was 5 days past due, and I had already been charged the late fee of {$29.00}. Then they called me again at at XXXX that same day, I did not speak with them. On Tuesday XX/XX/year>, I was called at XXXX, XXXX, and XXXX XXXX, and XXXX, and XXXX. I did not speak to them. Wednesday XX/XX/year>, I was called at XXXX, XXXX, and XXXX. I answered the last call ( I was on lunch break ), and informed them that they were in clear violation of the 7 and 7 rule and to stop harassing me. It is now XX/XX/year>, at XXXX and they have not called me again. That is 10 phone calls over a period of only 3 days.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. I understand that, according to the Fair Credit Reporting Act, Section 611 of the FCRA, you are required to promptly delete all information that is inaccurate, incomplete or which can not be verified.It is also my understanding that, under the FCRA, 15 U.S.C. & 1681i, every single one - even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and/or unverified aspects of any alleged derogatory accounts- must be promptly negated in its entirety, or the alleged accounts must be completely deleted.I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts, or provide testimony and certification that you are adhering to mandated XXXX XXXX data formatted reporting standards according to regulations. The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and/or standards, and must be removed immediately.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

As of XX/XX/2023 Equifax has committed perjury and broken the law on CFPB government site as well as violating my FCRA and civil rights with mishandling and lying to the CFPB causing damage to my report and given me the right for monetary damages of {$1000.00} per violation. 

They have received all documents and COMPLETED the investigation per their terms closing XXXX XXXX inquiry as DELETED on 7 different complaints attached as have never once deleted the completion of this. 


VIOLATIONS WITH THESE CLOSED AND INVESTIGATED REPORTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-14
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Ability Recovery Services, LLC (TX)

I received a notice from XXXX about a collection reported against my credit today. I called the phone number on the report. I spoke with " XXXX XXXX ( refused his last name ). He said he was the only supervisor. He refused to tell me what the debt was for, or who was his client. He said " All I know is it's a medical bill. We buy it from XXXX XXXX and do not know the details ''. He continued to yell in the phone. Said he " would not allow me to take control of the conversation '' because I told him I wanted to know exactly what this debt was for and why have I not received notice by mail. He said they " bought '' the debt on XX/XX/2024 and would NOT tell me anything. He finally hung up on me when I told him I knew the FDCPA and he was in violation of that collection law. I had to call back again, this time I spoke with a girl named XXXX. She told me it was a XXXX XXXX XXXX. I have XXXX. My hospital bills are paid. I should have had the right to dispute this collection in writing prior to it being placed against my credit. This company refused that. This company also refused verification of this debt in writing.
Consumer complaint received 2024-08-14
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: DailyPay, Inc (IL)

XXXX and XXXX transfers and my XXXX XXXX were made from my DailyPay account ( connected through my employer ) to an unknown, XXXX  account totaling {$650.00}. As of XXXX the DailyPay account team paused my account to investigate the XXXX activity, but in turn I can not receive any funds that are produced when I work a shift the day of. You can clearly see on my XXXX the previous transfers and XXXX XXXX were sent to another account and NEVER sent to the account that was XXXX  They allowed this to happen and now I'm behind on bills, XXXX and XXXX because I don't know when certain bills/utilities will get cut off! I have a XXXX old that I care for and ouXXXX XXXX XXXX XXXX has been XXXX
Consumer complaint received 2024-08-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alliance One, Inc. (MA)

On XX/XX/year> at XXXX PM, I received a text message from an alleged debt collector, stating that I owed a debt of {$67.00}. There was a message sent previously ( XX/XX/year> at XXXX PM ) that I had not seen. ( I've attached the text messages below ). I know that I had no outstanding debts except my credit card. Something seemed off about the formatting as well. So, I decided to leave the links alone, despite how curious I was, & investigate further. I googled the company collecting this supposed debt, XXXX XXXX XXXX XXXX. The number in the text seemed to match the one on their website. I chose to call their consumer hotline ; if they were a real company, that seemed like the appropriate place to raise an alert. However, when I called, I was bombarded with information about medical devices. I tried to explain why I was calling multiple times but kept getting talked over, cut off, and transferred. I was transferred twice before I spoke to a real human named XXXX XXXX I'm not convinced that the other " agents '' were real people ) from a COMPLETELY different company- Life Protect XXXX. They claim to be a legitimate company & have an A+ rating on BBB ( this is what XXXX XXXX me ; I did not verify ). I guess they provide " free '' medical devices that they harass people into signing up for. Even though I explained that I was sent a suspicious text regarding a debt I owed ( which I believe to be utterly made up ) and didn't understand how I even ended up getting transferred to this medical device company, he was still trying to push this product that I explicitly stated I did not need. When I wouldn't budge, he attempted to transfer me AGAIN. My experience felt like a hassle ; I can only XXXX what it must be like for senior customers whose defenses XXXX not be as strong. It felt extremely predatory. 

I'm not entirely sure what the connection is between these XXXX companies, or how the debt-collecting text plays into it, but it just doesn't smell right.
Consumer complaint received 2024-08-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: General Motors Financial Company, Inc. (MO)

We had financial difficulties in the middle of 2022. I contacted XXXX to get assistance with our truck loan. I spoke with them and explained that the unexpected XXXX XXXX  related to the XXXX of XXXX XXXX during XXXX minimizing wages, along with having to pay the deductible on a hit and run accident on the truck ( which they were supplied copies of the police report and insurance documentation ). I made arrangements with them on repayment and was never advised that those payments were not sufficient. I paid according to the schedule that was discussed with representatives on the phone. NEVER ONCE was I advised that we were subject to repossession of the truck. They led me to believe that the payment arrangement that was set was okay. The truck was repossessed. XXXX XXXXs did assist us with getting the truck paid off and it was redeemed. It should have been communicated to me that the arrangements that were set were not " official '', which is what I am being told NOW. Not only that, but they have also now updated my XXXX to show on my XXXX that it was repossessed/past due and will not update! I have tried to contact them and consistently get referred to XXXX XXXX ( Customer Advocate ). She called my XXXX this week and was very XXXX  to her. Indicating that she should have been smart enough to know that payments arrangements are not official when you sign a loan document. She stated that they are not required to do so, which I believe is absurd. Why would you not want to make sure your customers are fully informed? I just wish they would have explained this before making arrangements with us. We would have contacted our XXXX to assist in the meantime, but instead relied on the company to be truthful in their communication. I have asked for detailed account information on the account. I was denied account notes/payment arrangement documentation and any record of " promise to pay '' ( citing that they are not required to provide that ). I was informed that the payment history would be sent and XXXX  days later-no record of that.
Consumer complaint received 2024-08-14
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: Chime Financial Inc (NC)

Yes I have a warranty replacement on a part I had to pay for because my account was in a data breach and escalated to the claims department and my client was sick and said they had used the information otherwise than approved by the personal credit information and decided to escalate the case to the claims department. Would you send me a replacement refund because my driver said was out longer than expected due on the return of the vehicle was paying gas milage and the pick up was late bringing it in I also reimbursed gas money.
Consumer complaint received 2024-08-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

On XX/XX/year> I sent a letter notifying portfolio recovery associates LLC that I am a victim of identity theft I provided the account number I was disputing, I provided a copy of my FTC identity theft Report, Identity, theft, affidavit, Proof of my identity, copy of notice of furbisher information To explain their responsibility underneath the fair credit reporting act. I asked portfolio recovery associates LLC to provide me with all records relating to this account and not to exclude any of this information as listed below. 

Account application made on paper, online or by phone Account statements or invoices Record of payments or charge slips Delivery address is associated with the account Record or phone numbers used to activate and access the account Signatures on applications and the accounts Investigator report I also asked for portfolio recovery associates LLC to send me a letter explaining what they have done to : Informed the business where the account was open that the debt is a result of identity theft Stop collection activity against me Stop Reporting information about a debt to credit reporting agencies Notify credit reporting agencies that the debt is a result of identity set I gave portfolio discovery associates LLC the required 30 days to provide this information. unfortunately, despite my thorough submission, portfolio recovery associate LLC has failed to remove the inaccurate information from my credit reports. Instead, they have requested the same information Ive already provided and are now properly requesting my Social Security number. furthermore, since portfolio recovery, Associates LLC can not validate the information related to the account. I strongly believe that you do not have the right to pursue legal actions based on the information that can not be substantiated.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I am not liable for this debt XXXX XXXX XXXX BANK XXXX XXXX XXXX, I do not have a contract with PORTFOLIO RECOVERY, they did not provide me with the contract as I requsted.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (UT)

Citi has reported my account late to the credit bureaus, however, there was not attempt to speak with me about a late payment. I have spoke with Citi and they have no record of them attempting to contact me or speaking with me at all about a past due amount. I am requesting that Citi REMOVE THE REPORTS TO ALL CREDIT BUREAS or provide proof that they spoke with me directly about a late payment before reporting to the credit bureau.