davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Niagara Central Revenue (TX)

A fraudulent company called XXXX keeps calling me and requesting for me to call them back. They have been calling me for over a year. I do not know what it pertains to, but I did a search on them by XXXX  XXXX scam, and the XXXX XXXX XXXX appeared with multiple complaints saying the same thing. The complaints say that the company is a scam, and they are not a legit company. Like most Scammers, this company keeps calling me as is the case with those other complaints. If this was a legit company, I would have received a letter with supporting documentation. I don't owe anyone anything. I keep all my bills current. They have called me many times!!! Their most recent phone call was yesterday, XX/XX/2023, and a woman named XXXX left me a message requesting that I call her back at XXXX. I have yet to have any communication with this " company '' because I already know they are scammers. I have never received anything in the mail. I do not want to get on the phone with them because they might record me such that they ask a question, and I respond, and then later they re-record the conversation with a response that seems like I agree with them. Again, I have never had any communication with them ever! I am not sure where they are located, but I think they may be in XXXX. Please help!
Consumer complaint received 2023-12-06
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (FL)

On XXXX of 2023 I called Macys credit card customer service because My account was frozen due to card replacement and I made a phone call to unfreeze it so I can make the payment but they took a long time to do this therefore the payment period expired and they reported a late payment in my account, balance on account was {$260.00} and minimum payment of around {$29.00}. Once account was un-frozen I resumed making payments but the merchant refuses to accept their mistake and remove late payment.
Consumer complaint received 2024-03-19
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (NY)

A application was made and a hard inquire is now reporting., My credit which I was extending to the agency denied my application which is a violation of 15 USC 1602 ( 1 ) whereas I am the true lender. This is also a violation with TILA. Every credit extension comes from my SS #. Under 12 CFR 1002 reg B promote the availability of all credit worthy applicants without discrimination. I also made prior requests before this complaint for necessary forms and documentation that demonstrated American Express followed all FCRA and TILA Rules which they have not provided in second denial.
Consumer complaint received 2023-06-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (WV)

I signed up for a checking account with a signup bonus / promotion. I met the terms of the promotion, but did not receive the bonus. I called on three separate occasions ( spaced weeks apart ) to check on the status of the bonus. During the first 2 calls, the rep suggested they would file some report asking for more info on why the bonus wasn't applied, but they never followed up and I still haven't received the advertised bonus.
Consumer complaint received 2024-03-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Torriere Holdings INC (TX)

XX/XX/XXXX - XXXX XXXX XXXX XXXXXXXX opened an account which was financed by XXXX XXXX. The loan was for roughly {$14000.00}. About {$6000.00} was paid but the remaining {$9000.00} is owed. In XXXX the file went delinquent and to collections. They tried to reach me regarding this matter but had a false email address. I found out about this in XX/XX/XXXX and have been trying to resolve this since. XXXX XXXX is not able to find " my account. '' They sold the debt to XXXX XXXX and SPIRE Recovery Solutions. I have asked for the docs to be mailed to me so I can file a police report however they mention they have mailed it several times, none of which I ever received. I did not open this account and I am unsure how a used tire place will allow such a high loan to be taken out. I do not live near XXXX nor did I open this account. They did access my bank account and have some withdrawals which we disputed and they credited us our funds back. XXXX XXXX should have verified true identity and had better practices in place to ensure this didn't happen.
Consumer complaint received 2024-03-29
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. (MD)

Truist is furnishing inaccurate information on my credit report. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my way of living and my ability to obtain credit for personal and house purposes. The inaccurate reporting has damaged my personal my life. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 


15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Experian verified an inaccurate account. How do you verify a charge off account? 

As defined by the IRS even if you dont receive a form 1099-C, you must report that as gross income on your tax return The IRS clearly defines a charge off as gross or ordinary income, income does not get reported on the consumer report!

You are hearby put on notice that you are furnishing incorrect inaccurate information.

15 U.S. Code 1681i - Procedure in case of disputed accuracy 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.
Consumer complaint received 2023-10-30
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NY)

On XXXX XXXX I was in the process of purchasing mens jeans for my husband. The cashier enticed me with an automatic discount of {$36.00} if I were to open a Macys store credit card on the spot. I accepted the offer. Unfortunately my husbands jeans did not fit and so I took them back to the store, with my husband that time, for an exchange for the correct size one week later. The cashier refused to do an exchange transaction and demanded that we do a return and then a separate purchase for the correct sized jeans. The opening discount that was granted to me appeared as a fee charged on my first statement. I called customer service department on XX/XX/XXXX and spoke with a representative, XXXX, who advised me there is nothing she could do. It is their store policy to renege on the discount and no exchange of merchandise allowed. I was not made aware of that at the time of purchase and I have yet to see that policy in writing. Nonetheless, after waiting 45 mins on the phone and being hung up on or disconnected, I felt I was forced to pay the fee of {$36.00} and so I did in a timely manner. 

On XX/XX/XXXX, after the purchase of the correct sized jeans, I was handed a paper coupon offering a Star Rewards discount of {$40.00} to use between that date and XX/XX/2023 online or in store eligible for any purchase of minimum {$50.00}. On a nearly weekly basis I received email reminders to use my {$40.00} discount before it expired. On one of the reminder emails I tapped on the button labeled shop now to use the discount. On XX/XX/XXXX, I bought a pair of girl shoes for our daughter, which totaled {$54.00}. The discount of {$40.00} was not applied to the transaction. On the same call to Macys on XX/XX/XXXX I explained the situation to XXXX to which she replied not to worry, the discount will appear in my next statement before I pay the bill. I received the statement and the discount was not applied. 

I have made several attempts to have this issue resolved by Macys, in which all have failed due to me being passed from one department to the next on extended wait time phone calls then eventually being hung up on or disconnected. The latest phone call was XX/XX/2023. I spoke with a total of 5 people. The last four being XXXX, proceeded by XXXX, proceeded by XXXX and finally a supervisor XXXX who said since the {$40.00} coupon expired there is nothing she can do but offer me another to use on another item. And that I have to pay the total amount of the bill including the now late fee incurred. I urged her to do something as this was not my error. I am willing to pay the {$14.00} but nothing else. She told me to hold on the line. After waiting 15 mins additional to what was already an hour call I was hung up on or disconnected. 

I truly have lost all faith in a company I used to use as my base for family clothing essentials. I should have never opened a credit with them. My credit has always been impeccable. I will not allow Macys pour business tactics to stain my rating.
Consumer complaint received 2024-03-16
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: GOLDMAN SACHS BANK USA (NJ)

On XXXX XXXX. 2 fraudulent charges were made to my Apple Card in the amount of XXXX and XXXX. The charges were quickly disputed but were found in favor of the merchant with no evidence requested from me and no evidence provided by them that the charges were legitimate. I requested that information and have yet to receive it. After reinstating the charges I disputed them again and provided more evidence and requested evidence they found But have not received anything.
Consumer complaint received 2023-09-16
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (CA)

Accounts were opened with XXXX, XXXX and XXXX & XXXX using my personal data. I have reported fraudulent activities to all three carriers as well as reports about my services being unusable do to hacked websites from all three carriers. XXXX has denied me services and device credit opportunities and their customer support number as well XXXX XXXX  support number always sent me to the same person i believe my number was relayed to fraudsters or imposters. On several occasions i reported the problems with their service and internet and nothing was ever resolved. XXXX has charged me for services that i was unable to use because of a device that was returned and their failure to exchange it for another one, even though i retuned the device within the XXXX day time period. I was denied device payment options upon the return of the other device. These companies have been buying and selling my personal data for years without my authorization and i have not been compensated for the harm that was caused from their unauthorized use of my sensitive data.
Consumer complaint received 2024-03-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (OH)

This all happened on XXXX on XX/XX/2024 I am part of a face group that was a private group for XXXX XXXX and someone posted information with pictures of items they were selling. They explained that the dad was going into an XXXX  home and they needed it to sell all these items I trusted it because it was in a private group, I was interested in a few items I messaged them they wanted a deposit to hold the items they said to send it by Venmo. I tried sending it but it declined. Tried sending it again and it declined. They gave me a different user information to try. I did that one a couple times as well and it kept saying it failed. I called Venmo and they said XXXX of the transaction actually went through so I messaged the people back because then I started to be concerned and asked them to send the money back and they said they never received it, also, they told me to make sure I put, friends and family for the reason Im sending the money and later I found out that with Venmos rules that youre supposed to put the actual items in that and thats why they told me to put friends and family. I reported it with Venmo and also with my Venmo credit card I only got one of the transfers back and they sent me a letter stating that I wouldnt be getting the other transfer which was {$510.00}. I am planning on paying everything off and closing both my accounts, I took screenshots of the messages with this person and also have a screenshot of the post that they somehow put in the private XXXX XXXX. I was going to chalk it up to a lesson learned until I found out that I could report it to you guys, so that is what I am in the process of doing.
Consumer complaint received 2024-03-16
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (CA)

This is about a security concern I had with Affirm. I have a loan with them where I pay $ 22 monthly. However, on XX/XX/XXXX, I had my debit card blocked due to fraudulent activity from Affirm. I contacted my bank and found out they made charges on the following days for the following amounts : XX/XX/XXXX for {$630.00} ( 3 times ), XX/XX/XXXX for {$30.00}, XX/XX/XXXX for {$63.00}, XX/XX/XXXX for {$1900.00}. On XX/XX/XXXX they successfully take {$10.00}. My bill was supposed to be {$22.00} on the XX/XX/XXXX. My bank advised me that it was from Affirm and that they should contact them directly. I gave this information to Affirm on XX/XX/XXXX, but they did not contact my bank or give me any information about the threat. They simply said I should contact my bank for a charge back, not that they addressed the fraudulent issue. This response happened on XX/XX/XXXX and I responded on the same day. My bank gave me a new card to use and explained that if Affirm did this again, I would not receive a refund. So I have not been able to safely pay them, but they insist on sending me numerous calls, texts and emails saying they will report my account as delinquent. On XX/XX/XXXX I reported them to the Better Business Bureau, but they have continued the same pattern of harassment and ignoring my concerns.
Consumer complaint received 2023-12-26
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Central Portfolio Control Inc. (IA)

On XX/XX/2023, I recieved a call from debt collector at Central Portfolio Control CPC stating that they were attempting to collect a rental debt for {$4100.00} owed to an apartment in XXXX, TX at XXXX at XXXX XXXX located at XXXX XXXX XXXX XXXX for two months rent from XX/XX/2023 - XX/XX/2023. I informed the agent that I had never lived in Texas before and that they needed to check the information for accuracy, the agent was rude and abusive toward me when I questioned him, I told him that I was not the one who rented that apartment and I requested the original lease agreement and the identification documents that was presented to rent that apartment. 

They have not provided me with any proof or resolution, instead, they have been harassing me via phone calls and threatening to send the debt to the credit report agencies to ruin my credit score. 

I have attempted to find the aforementioned apartment on XXXX and the phone number listed for them is not responsive, I have attempted to contact them multiple times unsuccessful. The collection agent gave the apartment manager XXXX XXXX 's phone XXXX, I left her multiple voicemails in one week and I have yet to receive a call back from them. 

I have also attempted to make a police report with XXXX  and I was told that an officer would give me a call back- it has been two weeks since and I have not received letters, emails, or calls from them. 

I have reached out to credit reporting agencies, XXXX, XXXX, and XXXX to report the identity and to add a fraud alert and security freeze on my credit report. 

I also made a fraud report with the Federal Trade Commission FTC, case number # XXXX. 

I plan on pursuing legal action against all persons who are involved in this fraudulent case.
Consumer complaint received 2024-03-15
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (NC)

I am an existing account holder with Chase with a Credit Card product that offers an annual {$50.00} hotel credit when hotel charges booked directly on the company portal. The benefit is available each year, and resets at the account anniversary date which is in XXXX for me. 
I had last benefitted from the credit in XX/XX/XXXX. 
In XX/XX/XXXX, I use my card for a hotel transaction on the company portal but haven't received my {$50.00} credit to this date. 
Upon contacting Chase in XX/XX/XXXX, a ticket was opened to investigate why. 
I subsequently received a letter dated XX/XX/XXXX stating that I had benefitted from the hotel credit on XX/XX/XXXX. 
I called back today XX/XX/XXXX to explain that my account anniversary was in XXXX so I should benefit from another credit, which the company agreed to. However, they could not commit to a resolution date and couldn't guarantee the outcome, which is contrary to the terms and conditions of the product which commits to a benefit fulfillment within 1-2 billing cycles.
Consumer complaint received 2024-03-15
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: NATIONAL DEBT RELIEF LLC (IN)

XX/XX/year> XXXX XXXX XXXX XXXX to collect a debt from XXXX. XXXX failed to disclose the call was to collect a deb until XXXXXXXX XXXX into the conversation. 
I requested the supervisor, was transferred, and the manager ( unknown name ) was very dismissive of the issue. 

No resolution for this infraction of offered or addressed.
Consumer complaint received 2023-08-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (DC)

I am writing to address a critical matter concerning the alleged debt associated with my account, which is currently being handled by National Credit Systems. My name is XXXX XXXX, and as a federally protected consumer under various federal statutes including the Fair Debt Collection Practices Act ( FDCPA ), the Truth in Lending Act ( TILA ), and the Fair Credit Reporting Act ( FCRA ), I am aware of my rights and protections. 

I want to make it clear that I have not granted National Credit Systems authorization to possess my nonpublic personal information, and therefore, any alleged agreement or contract between us is null and void. Furthermore, I assert that the alleged debt is a result of a billing error, and I insist on receiving documentary evidence of the obligor 's indebtedness. 

Your company 's actions have not only led to duress and coercion in attempting to collect this alleged debt but have also caused significant harm to my credit reputation. Under the provisions of the FCRA, I am legally entitled to dispute and request the removal of inaccurate or unverified information from my credit report. 

I hereby demand that within 14 days from the date of this letter, you take immediate action to : 1. Cease all communication and collection activities related to this alleged debt, as I am legally refusing payment under 15 U.S. Code 1692c ( c ). 2. Provide sufficient a
nd documented evidence of the validity of the alleged debt.

3. Remove any and all references to this alleged debt from my credit report. 

Failure to comply with this demand within the stipulated timeframe will leave me with no choice but to pursue legal action to address your company 's violations of various statutes, including but not limited to XXXX, FCRA, and others. 

Please understand the gravity of this situation and the potential consequences of non-compliance. I expect a comprehensive response within the specified 14-day window to confirm that these actions have been taken. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-16
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. (NY)

I'm an authorized signer on XXXX XXXX XXXX credit cards. Both myself and the primary card holder have requested XXXX XXXX remove my social security number from these accounts and stop reporting these cards under my name to the three credit bureaus. XXXX XXXX has refused to assist, even though we were told by XXXX XXXX 's security team this is possible.