davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Radius Global Solutions LLC (MI)

According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report. -According to the Fair Credit Reporting Act ( FCRA ) section 611. It is illegal to report inaccurate information on my credit report. Please remove this item from my credit report.
Consumer complaint received 2024-06-19
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: TD BANK US HOLDING COMPANY (MI)

I received notice about an alleged debt reporting as a collection on my consumer report that I am requesting be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I am writing this letter to dispute this alleged obligation, pursuant to 15 USC 1692g ( b ). I am also refusing to pay this alleged obligation, pursuant to 15 USC 1692c ( c ) and all collection efforts shall cease. STOP CONTACTING ME ABOUT THIS OR ANY OTHER RELATED MATTER YOU HAVE. CEASE AND DESIST ASAP AND DELETE THIS ACCOUNT FROM MY CREDIT REPORTS. I only give your agency permission to communicate with me ( via U.S. Mail ) by informing me with proper validation information or informing me that you have notified the credit reporting agencies that the information will be DELETED from my consumer reports.
Consumer complaint received 2024-06-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (NY)

Wells Fargo is performing illegal false advertising by claiming to gve a {$320.00} bonus upon signup and not giving it to there customers. On XX/XX/XXXX I signed XXXX the offer shown below ( which as you can see doesnt have a bonus code ) by logging into my online account. I met all the requirements ( direct deposit of at least {$1000.00} and maintain minimum balance of {$500.00} ) Wells fargo however did not give me the promised {$320.00} and gave as a excuse that I did not input a bonus code. ( As ypu can see from my screenshot there is no bonus code )
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

PLEASE BLOCKED AND REMOVED I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.
Consumer complaint received 2024-06-19
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: LJ Ross Associates (FL)

I received notice about an alleged debt reporting as a collection on my consumer report that I am requesting be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I am writing this letter to dispute this alleged obligation, pursuant to 15 USC 1692g ( b ). I am also refusing to pay this alleged obligation, pursuant to 15 USC 1692c ( c ) and all collection efforts shall cease. STOP CONTACTING ME ABOUT THIS OR ANY OTHER RELATED MATTER YOU HAVE. CEASE AND DESIST ASAP AND DELETE THIS ACCOUNT FROM MY CREDIT REPORTS. I only give your agency permission to communicate with me ( via U.S. Mail ) by informing me with proper validation information or informing me that you have notified the credit reporting agencies that the information will be DELETED from my consumer reports.
Consumer complaint received 2023-08-18
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: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (OH)

THE FOLLOWING ACCOUNTS ARE AN ERROR XXXX, XXXXXXXXMISSINGINFORMATION. THIS ACCOUNT WAS NEVER VERIFIED ERRORFRCA 623VIOLATION PLEASE DELETE UNRECOGNIZED ACCOUNT.S : 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 XXXXXXXXI can not find any reocords of doing business with the above companies.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

Acct. # XXXX was paid off on XX/XX/2024 and they report to credit records DELINCUENCY ACCOUNT ON XX/XX/2024 for $ XXXX {$340.00} THEY REPORT TWICE IN THE SAME MONTH XX/XX/2024 The Initial amount of the car purchase was {$13000.00} and they ended COLLECTING {$32.00} XXXX ... that was a HUGE Interest XXXX RATE AND NOW THEY SENT A DELICUENCY INFO TO MY CREDIT AND THE STATING THAT THEY SENT ME THE TITLE I HAVEN'T RECEIVED ANY ALSO NO PAY OFF LETTER
Consumer complaint received 2024-06-19
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BMO Bank, N.A. (IL)

-I opened a BMO Alto XXXX XXXX Account XX/XX/XXXX, Account number ending in XXXX -I transferred {$28000.00} into BMO Alto XXXX XXXX Account from XXXX XXXX  XXXX XX/XX/XXXX -Money arrived and posted to BMO Alto XXXX XXXX Account -I transferred {$28000.00} from BMO XXXX XXXX XXXX  Account to XXXX XXXX Account on XX/XX/XXXX -Received email from BMO Alto on XX/XX/XXXX that they added an Account Freeze Restriction to my account XXXX BMO Alto pulled {$28000.00} from my XXXX account back to the BMO Alto XXXX XXXX Account and Froze my BMO Alto account -I called BMO Alto on XX/XX/XXXX and they told me my account was frozen due to high risk activity / fraud and transferred me to their fraud department ( XXXX ) -Fraud department stated I needed to submit statements from my XXXX account and pictures of my driver 's license to conduct an investigation ( i sent this detail to XXXX on XX/XX/XXXX ) -Followed up three times with BMO Alto via email and received no responses -Called BMO Alto on XX/XX/XXXX, they stated my account was closed and that XXXX needed to file a claim for me to get my money back -Called XXXX on XX/XX/XXXX to file a claim, they filed a dispute with ticket number XXXX. Received an email on XX/XX/XXXX from XXXX that i needed to provide a trace number to BMO Alto, XXXX -Called BMO Alto on XX/XX/XXXX, they would not accept a trace number from XXXX due to account being closed for fraud / high risk activity -Received email from BMO Alto on XX/XX/XXXX that my account was updated to Delete Account Freeze. Received another email on XX/XX/XXXX from BMO Alto that the account was closed
Consumer complaint received 2024-06-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2023-04-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: Block, Inc. (GA)

On XX/XX/XXXX at XXXX I made a purchase at discord in the amount of {$9.00} using my prepaid card issued by cash app ( run by block, formerly known as square ). This purchase was made pursuant to an offer shown within the application which advertised " 99 % off your in app purchase up to {$10.00} ''. I activated this offer on my card and proceeded to click on the link to the offer to complete the purchase within cash app. As I made the transaction, I was constantly reassured by the presence of a badge displayed on the corner of my screen of the browser inside cash app. This badge displayed the phrase " saving with cash card '', and when I clicked on this badge, it reaffirmed the offer terms and stated it would apply to this purchase. Based on the consistent solicitation I received from cash app throughout the purchase process, I was convinced this offer would be correctly applied. That did not end up happening and instead I was charged the full purchase price without the discount and was not refunded. 

This offer has been widely publicized, and I correctly followed all steps necessary to claim it. 

I reached out to customer service multiple times on XX/XX/XXXX shortly after noticing the transaction was incorrectly processed, on XX/XX/XXXX, on XX/XX/XXXX, XXXX, XXXX and XXXX. They declined to assist me. I provided them with documentation regarding this issue several times and asked to speak to a supervisor. They continue to decline to assist me.
Consumer complaint received 2024-06-19
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I received notice about an alleged debt reporting as a collection on my consumer report that I am requesting be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I am writing this letter to dispute this alleged obligation, pursuant to 15 USC 1692g ( b ). I am also refusing to pay this alleged obligation, pursuant to 15 USC 1692c ( c ) and all collection efforts shall cease. STOP CONTACTING ME ABOUT THIS OR ANY OTHER RELATED MATTER YOU HAVE. CEASE AND DESIST ASAP AND DELETE THIS ACCOUNT FROM MY CREDIT REPORTS. I only give your agency permission to communicate with me ( via XXXX Mail ) by informing me with proper validation information or informing me that you have notified the credit reporting agencies that the information will be DELETED from my consumer reports.
Consumer complaint received 2023-03-15
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXXXXXX Balance : {$290.00}.
Consumer complaint received 2024-06-19
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Commercial Services, Inc (NC)

Good Morning, on XX/XX/year> @ XXXX I arrived to XXXX on XXXX XXXX located in XXXX, XXXX  I went inside the store I was there roughly XXXX hours due to me getting thjngsbfor my graduation and also getting my nails done. I proceeded to come out around XXXX XXXX  that day and when I came out a buggy had been rammed into my front end of the car and the back end of someone elses car. As in beginning walk around the car to see what happened I see the ownerr of the car in front of me. I began letting her know how I found the cart parked ( with my grocery still being in a cart at my trunk ) and I let her know it weren't me who done any damage to her car and she said yeah I believe you people are stupid I Dont know who could've done this but did you see anybody? I said to her no I Dont but my mother has a dash cam that hopefully can show it but when the car is off it doesn't record anything she then proceeded to ask me could we exchange information so I could be a witness to her insurance for her to be able to file a claim I said sure I can be since it is I wasn't the one who was at fault. I spoke with a person with her insurance company and they began to question to me as though I was at fault I've showed documents and time stamps with this matter and somehow the XXXX XXXX XXXX XXXX have issued me a bill of {$1200.00} regarding this matter when I wasn't the one who damaged her car I sent them the videos and as of today RESENT the videos to XXXX XXXX. I'm not at fault but they are trying to put it on my credit if I Dont pay but I'm not the one at fault!! I'm extremely hurt by the fact I was trying to be a good person and she lied and said it was me I can show you all the same things!!! I wasn't at fault and I'm not trying to be held responsible for this!
Consumer complaint received 2023-03-15
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: Experian Information Solutions Inc. (CA)

This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 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
Consumer complaint received 2024-06-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NY)

On Sunday XX/XX/year> I made a purchase at XXXX  for {$690.00} using my Citi card and I received an email receipt for that purchase ( XXXX ORDER # XXXX Thank you for your purchase! ). Upon receiving that receipt I clicked on the attached link " View your order '' and the title of that page is " No longer available '' the site says " the link you followed is no longer available. '' I immediatetly opened a support ticket with the web hosting service of the merchant, XXXX XXXX Support Ticket # XXXX, and their reponse was " I would like to clarify that XXXX is a website and shopping cart service that some merchants use to run their online stores. We do not manage the shipping or sales of any stores. We don't manage any of the day-to-day operations of any merchants or operate on behalf of any merchants. 
If you have exhausted all avenues to contact and resolve your concerns with the merchant directly, I encourage you to reach out to either your bank/credit card provider or XXXX depending on how you paid for your order. This is because most banks have built-in security measures to protect you as a buyer and they will be able to provide you with the appropriate next steps. Your bank/credit card provider or XXXX will truly be in the best position to help provide you with further options regarding your payment and possible refund options. '' I have attempted to email the merchant many times and have never received a response, and still 3 months later the merchant store is still unavailabe. 

On the XXXX XXXX  the ORDER # XXXX is still stuck in the Ordered phase with Not Shipped and Not Delivered. 

These documents have all been uploaded to this dispute however with no human response from Citi on the dispute other than a letter that states " We may be able to assist you if you provide us with a documentation showing the merchant agreed to credit your account. If you are unable to provide this, you will need to seek other means to obtain credit. '' It seems obvious that there is blatant miscommunication or that this is not being handled by a human... I can't make it any clearer that there has been no response from the merchant EVER yet the investigator states that they are waiting for documentation from the merchant...? 

The dispute was originally completed in favor of the merchant somehow which 100 % must be a mistake made by Citi. 

We must appeal this or assign this to a new investigator. 
The merchant had disappeared instantly after making the purchase, other than the receipt there has been no contact, no updates, no tracking, and no delivery of anything. 
All of the docoumentation shows that yet for some reason the Citi investigator keeps resolving the incident in favor of the ( non-existent ) merchant.
Consumer complaint received 2024-06-19
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: W&A Intermediate Co., LLC (GA)

Wakefield & Associates acquired, furnished and listed an account on my consumer report falsely and inaccurately.I have never held an account with this company and they have attained my personal information and listed a fraudulent account without my consent or permission. I've requested all original documentation ( validation/verification ) of this debt between this company and I, but have yet to receive a response.
Consumer complaint received 2023-11-02
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: EQUIFAX, INC. (NC)

I have been affected by the XXXX XXXX data breach. I have had some identity theft with accounts since XXXX. Then the identity theft expanded dramatically during the pandemic to include apartments and evictions. It has many accounts and collection accounts. the accounts and then the collection accounts for the same debt are both listed on all 3 credit reports. I have a police report documenting this and an FTC report. I have submitted dispute after dispute but in XXXX hrs the credit reporting agencies come back with creditor states account is valid. The creditors do not provide any evidence of this and it is unlikely anyone even reached out as some of the resolutions to the dispute happen in less than an hour. 
I have attempted to enroll in the credit restoration services that I supposedly could get but those are expired and the code to enroll was actually only good for 2 months and I have now called the enrollment number 3 times and they just transfer me to a number that is no longer in service. The ID restoration service is completely fake. The phone number you are ultimately sent to is no longer in service. 
All 3 bureaus are refusing to actually investigate and remove items.
Consumer complaint received 2024-06-19
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Continental Finance Company, LLC (KY)

XXXX XXXX XXXX XXXX issues credit cards through Continental Finance Company ; I have two cards with them ( Verve and Cerulean ). I obtained these cards to help build my credit. My credit is now very good and these high interest/fee cards are no longer needed or wanted. I have tried to close both accounts multiple times in the last XXXX months by calling the Customer Service number provided on the back of the card and online, but there is no way to reach a customer service representative to discuss any card issues, even though it says " this call may be monitored or recorded '' - it's all automated and there's no Customer Service involved. They have now increased the interest rate to XXXX % ( which is insane ) AND annual fees nearly doubled to {$150.00}. 
I don't trust mailing in the request as I've seen reviews where folks have had issues with accounts thinking they were closed and they were in fact not closed and fees were charged without their knowledge, rang up late fees because of fees and then reports to the credit reporting companies. This is plain and simple abuse of the system and the consumer for financial gain ; making it as difficult and nearly impossible to close an account is again, an abuse of the system and the consumer and should be illegal. 
The second issue is providing a phone number and calling it a customer service number, where you can't reach anyone, again contributes to the abuse of the system and the consumer for a financial gain. AND FOR A SECOND TIME I'LL say, this type of financial predatory behavior should be illegal. 
I will write to the address provided and have it tracked by USPS for delivery, but ALL I WANT TO DO IS CANCEL THE ACCOUNTS. IT SHOULDN'T BE THIS DIFFICULT!