davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-06
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: Chime Financial Inc (CA)

I cancelled a delivery order with XXXX, on XX/XX/23 XXXX has already released the hold on my account but Chime refuses to expedite my refund and are making me wait a week to get my money back.
Consumer complaint received 2023-10-23
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: Atlanticus Services Corporation (MA)

My credit card was used multiple times without my permission. The transactions involved 8 charges of XXXX and 4 charges of XXXX. The credit card company did not activate a fraud alert for repeat suspicious transactions. I find this weird since, in the past, I tried filling up XXXX cars at a gas station, and the credit card company declined the second transaction but not these multiple transactions. I filed a fraud claim with the company when I noticed my credit card information was compromised. The company denied my fraud claim since I did log into my account during that time period and made a payment. At that time, I was using the card a lot for XXXX since my car was in the shop, and I figured the balance was due to the tips for XXXX rides being processed. While I did log in to check my balance I did not check/notice any suspicious transactions. Once my payment cleared, I tried to make a withdrawal which was denied due to the card being maxed out again by more fraud charges. This is when I noticed the fraudulent transactions and notified the company. The company is saying I am responsible for the charges since I logged into my account and should have noticed, but I do not think that is fair since the company should have issued a fraud alert and denied the multiple transactions. The transactions made do not follow my spending habits and should have been flagged. The company also said I only had 14 days to submit paperwork for the fraud complaint. Looking at the regulations, I believe I should have had 60 days. Once the claim was denied I called the company and was supposed to receive a call from a supervisor but it has been a week and I have not received a call from the supervisor.
Consumer complaint received 2024-03-14
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. (TX)

I have checked and acknowledged the response from XXXX regarding my previously filed complaint. However, there are still numerous discrepancies and inaccuracies in their reports, despite their claim of having verified them with the original creditor. I provided them with a screenshot of the accounts in question, demonstrating that their verification and investigation process was unsuccessful. 

Secondly, XXXX has failed to provide me with further statements or explanations on how they verified the inaccuracies of the disputed accounts. They merely mentioned that they were verified, without detailing their investigation process. 

Lastly, Experian has not yet responded to my dispute. I can not wait another 30-45 days to file my complaints again because this is adversely affecting my scores and financial plans.
Consumer complaint received 2023-10-23
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: FIRST NATIONAL BANK OF OMAHA (IL)

FNBO advertised a credit card promotion to earn {$200.00} bonus cash back when opening a new card and spending {$3000.00} within 3 billing cycles, in addition to 2 % cashback on all purchases. I signed up for this card based on the offer, I was approved, and I spent the required {$3000.00}. I paid my bill in full, and then went to withdraw the XXXX points I had earned, which is worth {$260.00} ( the {$200.00} bonus and the 2 % of the {$3000.00} = {$60.00} earned ). Their rewards system wouldn't allow me to withdraw my earned cashback. 
I called FNBO several times, most recently on XX/XX/2023 attempting to get my earned cash back rewards. Nobody I spoke with could provide a way to get me my rewards, as their " High Risk Department '' had put my account on hold. This department demanded I submit a notarized copy of my signed social security card, government issued photo ID, copy of a full recent tax return, and a copy of my business tax return. 
I refused to submit this highly personal information, and requested they issue a credit on my account or mail me a check for my rewards balance. They said the rewards department had to handle that. I called the rewards department who informed me they can't issue rewards while the " High Risk Department '' has my account on hold. 
I demand a check for the {$260.00} in earned rewards to resolve this matter.
Consumer complaint received 2018-05-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Convergent Resources, Inc. (IL)

On XX/XX/XXXX i received a voicemail from this number XXXX stating they had a compaint against me and if i did not respond they would call my HR/payroll dept on file. On XX/XX/XXXX i called the number out of fear they left me to call back XXXX and spoke to a XXXX XXXX who said he was a paralegal and that they had been trying to serve me for a lawsuit regarding a credit card I had with XXXX. I told him i did not recall a credit card with XXXX and asked when it was from he said XX/XX/XXXX with it being sent to collection in XX/XX/XXXX. I still did not recall and asked why i had not been contacted sooner and he said they just got my phone number. I said they had over 10 years to send me something by mail he said they did which i said i never received. I told him to send me the stuff now. He refused and said XXXX has made the decision to pusue me legally with a lawsuit before the statute of limitations expire and I should hire a lawyer. I asked how much the debt was he said 1600 plus, I then asked why had i not been given a settlement amount he said i could settle for 900 plus. He said he would send me the settlement paperwork on Monday XX/XX/XXXX. 
1. They tricked me into calling them by threatning to call my HR/Payroll dept. which is against the law. 
2. If the debt is real the Statute of Limitations had already expired in Florida if the end activity date was XX/XX/XXXX like he said. So threatning lawsuit/ garnishment is banned based on the SOL. He also said the SOL had not expired so he lied and tried to scare me even more. 
4. I XXXX the phone numbers and his name and it seems others have the same compaint and state its a scam. 

Now, I did receive an email today XX/XX/XXXX from a company called XXXX XXXX which I refuse to open. This debt, which I dont even know is mine is out of the SOL and better not of started over because of thier threatning call to me stating they would contact my HR/Payroll Dept. Plus the verbal threat of lawsuit / garnishment from XXXX XXXX on a debt that is past the SOL is against the law. 

This XXXX XXXX who claims to be a paralegal needs to be stopped. Plus he also said he was representing XXXX but in reality he is a collection company that buys debts for pennies on the dollar and then scares and scams people. 

XXXX XXXX left me his personal number XXXX I would like you to pursue this as I was threatened and scared by this person for a supposed debt whose statute of limitations had already expired in Florida. 

I do have the original voicemail threatning to contact my HR / Payroll Dept if you would like to hear it or have me send it to you by email.
Consumer complaint received 2023-09-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (MI)

I paid off my student loans to Ed fiancial before interest payments started again ( final payment submitted XX/XX/24 ). I selected auto-allocation for the loans. One of my loans has a positive balance of {$710.00} and one of my loans has a negative balance of {$710.00}. They balance to XXXX but Edfinancial refuses to fix the problem so I have been charged interest on the remaining balance. I paid in full and both loans were selected to be paid, as noted by the decreased balance on both loans. I can not get ahold of Edfinancial either via email/inbox of this complaint or by phone. It is unacceptable that I have completely paid off my student loan balance but am still being charged interest on a mistake made by a government agency.
Consumer complaint received 2023-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (CA)

Company wells Fargo is lying telling me I wanted to pay in full I already made settlement now they're saying I wanted to pay in full which is a lie why would I pay settlement and then pay in full doesn't make sense.
Consumer complaint received 2023-07-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

After checking my consumer report, XXXX XXXX  Acct # XXXX and XXXX XXXX  XXXX XXXX Acct # XXXX is reporting a XXXX, XXXX, XXXX, and ND ( No data for this period ) delinquency late payment ( XXXX ). I am demanding the following XXXX, XXXX, XXXX, and ND ( No data for this period ) day delinquency late payment ( XXXX ) be removed and corrected to Current because I believe my consumer rights have been validated based on the consumer law ( XXXX ) listed below 15 USC 1681a -rules of construction on Section 2 - Exclusions subsection A subsection ( i ) - reports containing information solely as to transactions or experiences between the consumer and the person making the report. 15 USC 6802 Obligations with the respect of disclosure of personal information : ( b ) OPT OUT ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to me the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section XXXX of this title, that such information XXXXy be disclosed to such third party ; ( B ) I the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) I the consumer is given an explanation of how I can exercise that nondisclosure option. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates Clearly, under the law a late payment is considered a Transaction and not have added to my consumer report. Under 15 USC 1681n, - Civil liability for willful noncompliance ( a ) Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; as a consumer I can charge {$1000.00} for damages if you don't remove this item because it is very injurious to me. PLEASE DONT SAY THE ITEM HAS BEEN VERIFIED. Either the law is applicable or not! Send an updated copy once the item disputed has been removed.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This account does not belong to me, I suspect someone applied without my knowledge : XXXX XXXX XXXX {$7100.00} XX/XX/2023 I was living in XXXX this whole time, I get back and noticed this was on my report. Please inform the bureaus of this identity theft.
Consumer complaint received 2023-07-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have accounts left that need to be removed or Block. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Please delete the accounts below : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-11-13
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had an agreement with this company to ship my car for a total price of {$1800.00}. I will upload a copy of the quote. The representatives said that I would pay them, and they would make the arrangements. I sent them the money directly to the address provided. XXXX XXXX told me that I was paid in full, and would not have to pay again. They lied. 


When my daughter went to pick up the vehicle, the shipping company said that they had not received payment. She had to pay again for the vehicle to be released. 

I had no agreement with XXXX  XXXX XXXX to ship the vehicle. I made the arrangements with XXXX at XXXX XXXX. I spoke to another representative that. XXXX  XXXX XXXX should collect the funds from the company that made the arrangements to ship my vehicle with whom I already paid. This company misrepresented themselves and they have turned out to be Fraudulent business providers. They used fraudulent tactics to get my money. I do not want to pay twice for the same service. I have copies of the money order that I sent to XXXX XXXX. The agreement was between XXXX XXXX and XXXX  XXXX XXXX. XXXX  XXXX XXXX needs to collect the money from them. I have no idea how they would make arrangements with this type of company with no money upfront.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

The Following Inquires are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately, please removal all fraudulent inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (FL)

I hope this note finds you well. I'm reaching out because I've noticed something weird with my credit report. For my account : Account Name : WELLS FARGO CARD SER Account Number : XXXX It's showing that I have multiple late payments ( XXXX ) and charge-offs. These marks are inaccurate and I would ask whoever reads this to check the documentation that has been uploaded for a better understanding of this inaccurate reporting. 

Thanks a bunch for looking into this. I'm looking forward to getting my credit report fixed up right.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I HAVE CONTACTED THE XXXXXXXX XXXX XXXX XXXX AND THEY HAVE INFORMED ME THAT THEY DO NOT REPORT TO ANY CREDIT BUREAUS OR XXXX. XXXX OR ANY OTHER DATA BASE COMPANY DOES NOT HAVE MY PERMISSION TO REPORT ANY INFORMATION ON MY BEHALF. PLEASE REMOVE THE FRAUDULENT ACCOUNTS THATS LISTED IN THIS REPORT
Consumer complaint received 2023-10-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.
Consumer complaint received 2023-03-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

HI my name is XXXX XXXX and i been disputing lvnv funding XXXX XXXX XXXX from my credit report for months and months. im finally reporting them to cfpb and the XXXX  and im also gon na file a suit in federal court, I'm requesting this company to delete this account off my credit report and i want this done asap delete off my credit asap
Consumer complaint received 2023-07-07
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 10th 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 records 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXXXXXX XXXX XXXX  XXXX Balance : {$1500.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$560.00} XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX Balance XXXX {$1500.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$560.00}
Consumer complaint received 2023-10-23
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. (NY)

I initiated a complaint about the block pursuant to 15USC1681c-2 which states that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. Equifax has violated my consumer rights by denying my request. On XX/XX/2023 I submitted a CFPB identity theft complaint to Equifax stating the following : There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am, in fact, requesting this block on behalf of myself. Accounts are listed below : XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX. Equifax denied my request ( see attached letter )
Consumer complaint received 2023-10-23
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. (MD)

Equifax has violated my rights as a consumer pursuant to 15 USC 1681. Under law 15 USC 1681, I have a right to privacy and I did not provide Equifax written permission to furnish my information for the account below and demand that the account be deleted from my credit report. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX