davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NY)

" I, XXXX XXXX, am writing to express my concern about the actions of LVNV FUNDING. It has come to my attention that the company has been illegally reporting on my account, and I am requesting that all communication regarding this matter ceases immediately. I do not give LVNV FUNDING permission to communicate with me regarding any alleged debts, as stipulated in 15 U.S.C. 1692c ( a ). The negative reporting on my credit report is defamation of character, and I have the right to seek actual damages according to 15 U.S.C. 1692k ( a ) ( 1 ). This negative reporting has caused me to be unable to secure a new car, and I believe that LVNV FUNDING is engaging in extortion by reporting on my credit for this alleged debt. I am requesting that LVNV FUNDING remove its reporting on my credit immediately, or I will fully exercise my rights as a federally protected consumer and seek legal remedies. I will be sending a letter via certified mail to confirm this request. To avoid any misunderstandings, I have included references to the relevant laws for your convenience. I hope that this matter can be resolved quickly and amicably. ''
Consumer complaint received 2018-12-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Conn's, Inc. (TX)

I setup a payment plan in XX/XX/XXXX. The payment schedule they agreed to, was never properly followed by Conns. They withdrew monies that went against our arrangements. 

I made an initial payment to them, and I received another settlement offer, despite being on a payment plan. 

I called in XXXX to schedule an arrangement for {$50.00} per month beginning XX/XX/XXXX. Instead of attempting to withdraw those funds for {$50.00} they attempted {$240.00}. They never even attempted to withdraw {$50.00}. 

They have broken agreements and continued to send collection and settlement offers while my payment plan was in good standing. 

I want to resolve this account, but it needs to be done in a way that is ethical and we are on the same page. I am at a point where I do not trust giving my financial information to them.
Consumer complaint received 2023-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST NATIONAL BANK OF OMAHA (AR)

Negligence, poor billing practices, trick and device/scheme and or fraudulent billing I was a previous DMV investigator for the State of California and worked credit card fraud and was a member of the International Credit Card Fraud Investigators Association . 

Here, FNBO is violating the XXXX XXXX XXXX with XXXX XXXX. 
FNBO is under contract with XXXX XXXX XXXX as well. 

Here, FNBO under Credit Card # XXXX does not participate in the normal business practices of automatic and automated credit card payment system, thus this adds significate delay in processing payments as my banks have to send a " Snail mail '' check to FNBO for processing. 

Plus, a memorandum by the XXXX stated last year, a significant delay with XXXX process of mail, whereas FNBO has not acknowledge in their payment processing. 

Herein lies the continued issue with FNBO, when a payment is submitted to my bank, XXXX XXXX, which is only a internet bank, they have to physically cut a check and mail to FNBO. 

FNBO inherently has a really poor performance record of clearing any check, takes over XXXX weeks an up to XXXX weeks to process and reflect on their end. 

This is way over the time for processing in like kind commerce, thus here under trick and device, negligence, FNBO common violations are an attempt to delay payment, adding fees and charges to the consumer in violation of the XXXX XXXX master contract with banks and financial institution. 

The way FNBO makes snail mail a process to pay, inherently makes this account subject to needless delay in processing. In addition, the XXXX XXXX XXXX a small city in XXXX, leads credence to questionable times, employees actually go to the XXXX XXXX XXXX pick up and process bills send to the entity. 

FNBO billing practices are subject to CFPB oversight, and we are alleging, negligence, trick and device and a scheme whereby they intentionally delay and charge customers fees and charges for delay in payments that is set up that way by FNBO. 

We suggest CFPB conduct an audit of FNBO billing practices as this is not an isolated incident and a practice since I obtained this card a year ago, as they routinely take up to XXXX weeks or more to process mailed in payments.
Consumer complaint received 2024-05-03
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CO)

Tj maxx-synchrony They upgraded me to a master card from a store card. They said my store card is closed when I activate this new card. I activated the new card. They told me to destroy any previous cards on this account. I did. I used the new card. I paid it off. I used it again. I paid it off. Then all of a sudden, at the beginning of the year They were saying I had a balance on the closed card and a credit ( negative balance ) on the XXXX. I paid the balance off again on the store card to protect my credit. Then they said That they'd made a mistake, it was all XXXX account and they sent the money back. I got a check for the whole amount. 2 months go by. Then it happens AGAIN! They start calling me. I answer. They say debt collection... what!? I immediately pay AGAIN to protect my credit. Meanwhile... I make call after call... they say it was allowed to the wrong account then they say no wait XXXX account ... so they issue a credit balance refund check. they are confused... it started out at XXXX. Now ... they've DOUBLED that because I paid it AGAIN to protect my credit. Now it's showing XXXX past due with a credit on my XXXX of XXXX. So it says past due again so I pay XXXX on the app on the OLD STORE ACCT NUMBER that stops the calls. They say thanks for your payment. Today ... I am again past due and the payment was applied to the XXXX. I have all the emails. I have screen shots and bank transaction numbers... I've spent more than XXXX hours on the phone trying to pay this ... to the time of XXXX the original charge! This is WAY more than due diligence. The last person I spoke to sent me a XXXX balance letter on each credit card number. But it showed past due and will be 30 days late on XX/XX/XXXX! That will be on my credit. I have perfect payment history... so I paid it AGAIN today. 
I don't know what else to do!
Consumer complaint received 2023-07-27
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: EQUIFAX, INC. (FL)

There are accounts listed on my consumer report that have originated from identity theft. I did not provide written authorization, including a wet signature, for these accounts to be included in my consumer report. I have recently communicated with your organization regarding this matter and I am hereby requesting that these accounts be promptly blocked and removed from my report. The inclusion of these unauthorized items has caused significant emotional and financial distress, as they inaccurately reflect my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action. The presence of these fraudulent items on my credit record has hindered my ability to achieve my financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2023-11-30
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Blackhawk Network Holdings Inc. (NY)

I was gifted a {$200.00} card in XX/XX/. I attempted to use it for the first time on XX/XX/2023 and there was no balance. The money was stolen from the card. 

Blackhawk Network refused to remedy the problem because I did not notify them in 60 days.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This is my 19th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute these bankruptcy in my credit file that do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please totally delete these bankrupcies from my credit report. 

XXXX XXXX  Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX
Consumer complaint received 2023-05-01
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. (OH)

I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNT # XXXX, # XXXX HAS VIOLATED MY RIGHTS, 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 CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2024-05-27
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Optio Solutions, LLC (PA)

An XXXX named XXXX XXXX XXXX based in Georgia reached out to me about a XXXX dollar debt I owe to an old apartment building. We were not told or made aware of any outstanding balance. I was evicted because my roommate had an unregistered pet that we were all led to believe was registered with the landlords. I also did some digging of my own and this company is a total scam. They have XXXX reviews and XXXX of them contain the word scam and every single other review is people saying they got ripped off and borderline extorted for more money.
Consumer complaint received 2023-08-31
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. (SC)

In accordance with the Fair Credit Reporting Act, specifically 15 USC 1681 section 602 subsection a, it emphasizes the importance of consumer reporting agencies fulfilling their responsibilities in a fair, impartial, and respectful manner towards individuals ' privacy rights. XXXX XXXX and Experian are examples of such agencies, and as a consumer, I have the right to safeguard my personal information from being shared. This right is reinforced by 15 USC 6801, which states that financial institutions have an ongoing obligation to uphold customer privacy and protect the security and confidentiality of their nonpublic personal information. By definition, the " furnisher of information to credit agencies '' falls under the category of financial institutions. Moreover, 15 USC 1681 section 604 subsection a subsection 2 specifies that consumer reporting agencies can only provide consumer reports under certain circumstances and with the written instructions of the relevant individual. Neither the financial institution nor the consumer reporting agencies, XXXX XXXX and Experian, have obtained my consent in writing or any other form. Consequently, any consent previously given to XXXX XXXX, Experian, or the " furnisher of information to credit agencies, '' whether expressed verbally, non-verbally, in writing, implied, or otherwise, is hereby revoked. According to 15 USC 6802 subsections b and c, a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without explaining to the consumer how they can exercise their option to maintain nondisclosure. However, the " furnisher of information to credit agencies '' failed to inform me of this right. Furthermore, as per 15 USC 1681C subsection a subsection 5, no consumer reporting agency is permitted to include certain adverse information in a consumer report unless authorized under subsection b or if the information is a record of a crime conviction that predates the report by more than seven years. Since this account is an adverse item being reported without my consent, it is a violation of the law. Additionally, 15 U.S. Code 1681s2 subsection A subsection 1 prohibits any person from furnishing inaccurate information about a consumer to a consumer reporting agency if they have knowledge or reasonable cause to believe it is inaccurate. Moreover, 15 U.S. Code 1681e mandates that consumer reporting agencies establish and maintain reasonable procedures to prevent violations of section 1681c and to restrict the provision of consumer reports to the purposes listed in section 1681b. XXXX XXXX and Experian have not demonstrated reasonable procedures in this regard. Lastly, as outlined in 12 CFR 1016.7, consumers have the right to opt out of reporting services at any time. Therefore, I am exercising my right to opt out of your reporting services.
Consumer complaint received 2023-04-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc. (IL)

Send the money on XX/XX/2023. Received updates after two days via Remitly app and email that the amount has been deposited in recipients account successfully. Received a call from recipients on XXXX of XX/XX/2023 that the money has not been received. I have contacted the REMITLY costumer Service various times but they are making excuses that we are investigating the matter, you will received your money soon. Also they requested for recipients bank statements from XXXX XX/XX/2023 to XXXX of XX/XX/2023 which was sent to them but no fruitful results. After passing of 26 days they have not succeeded to deposit the amount in the recipients account because of which my kids education if effecting badly and me and my wife are very depressed because of our kids education because the recipient teachs our kids online.
Consumer complaint received 2023-08-31
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. (FL)

I am requesting for the assistance for immediate removal of outdated items from my credit report, which I believe are negatively impacting my credit score. After a thorough review of my credit report from your agency, I have identified several items that require immediate attention and correction. I have provided the details of the disputed items along with explanations of the inaccuracies, the information reported for the above-mentioned account is inaccurate and does not reflect the current status of the account. I have enclosed supporting documentation that validates the correct information. I kindly request that you investigate this matter and remove the inaccurate items from my credit report as required by the Fair Credit Reporting Act. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. Please provide me with a written confirmation of the removal of each inaccurate and outdated items once the investigation is complete. I also request an updated copy of my credit report reflecting the corrected information. Here are the following fraudulent items that are needs to be remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-07-26
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: EQUIFAX, INC. (TX)

I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-05-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Vengroff Williams, Inc (TN)

XX/XX/2023, mail was received to an old address from XXXX XXXX showing tests that were done that I wasn't aware that I was being tested for. The first time seeing the doctor I informed him that I didn't want to do a XXXX and he asked why and I told him that's just my preference. He first did XXXX XXXX  since I was complaining of XXXX XXXX XXXX XXXX XXXX  and he sent over some prescriptions. He had me do a XXXX XXXX XXXXXXXX XXXX  and when the results came back I was the one who contacted him and asked him why didn't he contact me since he got the results back and i knew this because I signed into my online portal. The secretary told me when I called that I should have scheduled to speak with the doctor ( XXXX XXXX XXXX ) about my results and I asked her why didn't she or him called me to discuss the results and that's when I went back to see him. He kept persuading me to schedule a XXXX and I took the referral to go to the referring location but I called them and canceled because I had told him before I didn't want to do a XXXX. I had to call my insurance for them to file a claim about the XXXX XXXX  procedures that he referred me to do and I didn't do them since I had canceled the appointment and my insurance tool care of the issue and said I owe them no money. I have recently been given new mails showing that I did another XXXX  XXXX  in XXXX and XXXX XXXX XXXX XXXX XXXX XXXX which I'm being billed for when I canceled my appointment and never did any of those tests. After the insurance was on a 3 way call for the first claim with the secretary, she told me and my insurance agent that I now owed nothing but I'm still being billed for things I didn't do or wasn't seen for. I called the XXXX  and tried to explain but haven't gotten anywhere and also the XXXX  I saw but he is still insisting that I was seen for those tests. I have done my review and saw where other people are complaining about the same issue so is this a thing? I want this to be over with.
Consumer complaint received 2024-05-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: F.H. Cann & Associates, Inc. (CT)

I received a collection notice from F.H.can & Associates , INC. The letter was dated XX/XX/XXXX. I requested a alleged debt valuation letter debt on XX/XX/XXXX which was Send overnight certified mail in that letter, I specific asked for validation of that which include contract signature page of original contract. A detail list of history of payment made by me on this account and I also asked for a chain of title Authorizing The debt collection agency to be collecting the net. however, they did not provide the validation of debt nor the item that I requested to validate the debt and on XX/XX/XXXX I also send a second letter certified mail however, they did not accept the mail it was returned back to me on XXXX XXXX
Consumer complaint received 2018-12-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

I had initiated a XXXX transfer from my Wells Fargo account for {$400.00} to my husbands XXXX  XXXX XXXX account, my husband got an sms from XXXX  XXXX XXXX stating that the amount will be credited to his account along with a confirmation code, however the funds were not received by him into his account and the money was not refunded to my Wells Fargo account, although the statement shows that the money was deducted. 
While Wells Fargo filed a claim and then said the money should be with XXXX  XXXX XXXX , XXXX  XXXX XXXX is not ready to file a claim. 
We have been asked to go from One bank to Another with no one willing to give my hard earned money back. 

Please look into the same and help me get my money back.
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Orions Management Group, LLC (NJ)

This account is showing open and reporting late every month and this is a closed account. The inaccurate information on my credit report is misleading and negatively impacted my credit score. This company is also unlicensed to collect any debts from the state of New Jersey. As required by state law operating without a proper license is a violation of New Jersey debt collars and renders this companys collection activities illegal. I would like a cease and desist all collection activities related to this alleged debt and remove all inaccurate information from my credit reports regarding this alleged debt.
Consumer complaint received 2019-09-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NM)

This debt is not mine. I have disputed This with the company many times. My name is common in the city I reside and way to often am I fighting with companies that charge me for a debt that is not mine.