davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (NC)

Third party debt collectors have not shown me proof of any alleged debt on my XXXX credit or any of the other credit reporting agencies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: AMERICA FIRST FEDERAL CREDIT UNION (NV)

In XXXX XXXX, I sent a letter to America First Credit Union informing them about the scam to me by XXXX wherein the money amounting to {$370000.00} were sent through wire transfer from America First Credit Union to XXXX XXXX. I am now XXXX XXXX XXXX, as I have been told by the FBI that the bank has also the liability to me as their customer! No action has been taken and no progress on my case! Can you please help me?
Consumer complaint received 2023-10-06
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The ITEMS I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

I have contacted Columbia Debt Recovery multiple time in regard inaccuracies reflecting on my credit report. I was a victim of identity theft and have already filed and FTC report and sent the Bureaus and have not received an update. Please remove this item from my credit report
Consumer complaint received 2023-10-06
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. (VA)

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review these items ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-05
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (IL)

Citibank aaadvantage credit card. Applied for the citi credit card, application declined but still receiving statements from citibank for annual membership fee for the card which was never issued. 

Tried to work with customer service, fraud dept and other departments in last two months. Still the issue is unresolved.
Consumer complaint received 2023-10-05
Product: Credit reporting 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. The List of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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, 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 2023-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I use online bill pay. I established a new recipient within my banking system on XXXX XXXX, providing all required data ( e.g., account info, address, phone, etc. ). I scheduled a payment and noted the " due date '' was XXXX XXXX. My expectation was the check would be received by the recipient within a day or two of XXXX XXXX, understanding that XXXX XXXX is a Friday and perhaps mail would be delayed by a day or two. On XXXX XXXX, the recipient emailed to note they had not received the check. I called the bank to inquire. The bank confirmed the recipient was established on XXXX XXXX and a check was issued and mailed via US Mail on XXXX XXXX. On XXXX XXXX, I will incur a late fee penalty, unless I pay electronically at additional expense. This " delay '' in check receipt has happened at least three times in the last two months. My primary complaint is that I established a due date based on my billing cycle and communicated that to the bank. The bank established when a check would be sent to achieve that due date ( within reason ). However, the system isn't working well and the bank is essentially shrugging their shoulders and blaming the US Mail. The bank did agree to pay any late fee ( if requested ) after they conduct an investigation. Which means I would have to initiate that for each occurrence and hope they accept responsibility - I have my doubts.
Consumer complaint received 2023-10-05
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company (NC)

I closed out my XXXX account to pay some of my past due mortgage. I mailed a check to freedom mortgage on XX/XX/XXXX. Freedom mortgage received the check on XX/XX/XXXX. I have the confirmation the check was delivered to Freedom mortgage 's XXXX XXXX XXXX The check cleared my account on XX/XX/XXXX. Freedom mortgage is refusing to post the XXXX dollars to my account. This is causing me mental anguish and emotional distress. I'm a veteran and I'm on the verge of losing my home because of the negligence of Freedom Mortgage. If this isn't corrected, I will take Freedom Mortgage to court.
Consumer complaint received 2023-04-25
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: LEXISNEXIS (CA)

Please I been back and forth with agency that have been report illegally on my credit report please remove and delete all information. Im requesting to opt out of all, XXXX, XXXX, and XXXX data bases.
Consumer complaint received 2023-10-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to dispute certain mistakes and errors present on my credit report. I have carefully reviewed the information contained in my credit report obtained from your agency, and it contains inaccurate and misleading information. 

I kindly request that you initiate an investigation into the following disputed items : -- TRANSUNION -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-28
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. (GA)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-09-19
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. (TX)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-06
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: CITIBANK, N.A. (NY)

On Wednesday, XX/XX/XXXX, I paid my entire Citi credit card balance of {$7400.00} and planned not to use the card again. On Saturday, XX/XX/XXXX, at XXXX XXXX I received a text alert asking if I attempted to use my Citi card at a XXXX store for {$810.00}. I was working then, so I did not see or reply to the text until the following day, Sunday, XX/XX/XXXX, at XXXX XXXX, stating I did not attempt to make the purchase. Shortly after my response, I received another text asking me to contact the Citi Fraud Department at XXXX. I contacted them and checked my mobile app to review my Citi statement. My statement showed five purchases on Saturday, XX/XX/XXXX, totaling {$4100.00}. Three charges at a XXXX store in XXXX XXXX, NY. One purchase at XXXX XXXXXXXX XXXX in XXXX XXXX, NY, and one purchase at XXXX XXXXXXXX XXXX, in XXXX, NY. The purchases were as follows : XXXX XXXX XX/XX/, {$810.00}, {$1500.00}, and {$1800.00}. XXXX XXXX XXXX XXXX XXXX$5.00} and XXXX XXXX XX/XX/ {$4.00}. 

I talked with the fraud department and disputed the charges. Several weeks later, I received a letter saying the dispute was not honored and I would have to make the payments. I contacted the police to file an official report. I also contacted Citi Cards again to dispute the charges and provide the police report number. Citi opened another investigation and said they would contact me in 1-2 weeks. I contacted the Citi fraud department several times to follow up on the investigation status but was not given any updates. On Friday, XX/XX/XXXX, I reached back out and was told for the second time that they were not removing the purchases, and I was expected to pay for the fraudulent purchases. I requested they open another investigation and asked what additional information I could provide to prove this was fraudulent activity. They told me to write a letter and an investigator would contact me in 1-2 weeks, which they continue to say to me, but I never received a call from anyone. Citi Cards expects me to pay the balance each month while they investigate for the third time.
Consumer complaint received 2023-10-05
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: BARCLAYS BANK DELAWARE (FL)

In the month of XXXX, when I was going to make the payment, I noticed a charge for XXXX and I called Barclays bank and reported that I had not made that purchase. They told me that they were going to investigate which merchant it was. They delayed a month and sent me the first letter on XX/XX/XXXX saying that they contacted the merchant and it was XXXX XXXX that I had authorized that purchase. I contacted the XXXX XXXX department and that purchase was made by the website because they hacked my XXXX XXXX account and they made two Encisos but only one was approved by the bank. On XX/XX/XXXX a fraud case was opened with XXXX XXXX and they gave me case number # XXXX to give to Barclays bank. On XX/XX/XXXX I went to the police and made a report about the fraud. On XX/XX/XXXX I sent them the police report by email and Bayclays Bank opened a case again to investigate. On XX/XX/XXXX they sent me the same letter again that I have to pay the XXXX because they contacted the merchant the same people that they have told me during the months I called them again, spoke and explained to them what type of investigation they did when there is an open case with a police report and XXXX XXXX also has a fraud report. They told me the same thing, we are going to open another case and they do not resolve anything and the charge is on the card
Consumer complaint received 2024-07-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Ria Envia, LLC (IL)

I'm a victim of fraud related to several transactions at ria Money location in XXXX : XXXX XXXX, XXXX XXXX XXXX. 

The transactions in question are as follows : XX/XX/XXXX : Transaction ID : XXXX Amount : {$1500.00} USD Recipient : XXXX XXXX ( XXXX ) XX/XX/XXXX : Transaction ID : XXXX Amount : {$980.00} USD Recipient : XXXX XXXX ( XXXX ) XX/XX/XXXX : Transaction ID : XXXX Amount : {$500.00} USD Recipient : XXXX XXXX ( XXXX ) XX/XX/XXXX : Transaction ID : XXXX Amount : {$1300.00} USD Recipient : XXXX XXXX ( XXXX ) Background : on XX/XX/XXXX, my friend XXXX XXXX, who resides in XXXX and was visiting XXXX, informed me via email that she had been robbed. Her phone, cash, and credit card were stolen. I sent the above payments to her location in XXXX using Ria Money Transfer to assist her. The understanding was that she would reimburse me upon returning to XXXX. 

However, when I followed up with XXXX to pay me back, she claimed that she did not know about these transfers. She asserted that her email had been hacked, she was not the person communicating with me via email and that she did not receive any funds and her identity was stolen. In addition, she did not travel to XXXX. 

I contacted ria money in the US who forwarded the proof of payment receipts from XXXX with the following ID information : Recipient Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Number : XXXX Issue date : XX/XX/XXXX Issuing country : XXXX I noticed From the proof of payments I received from ria money that the beneficiary was paid by providing an XXXX XXXX ( XXXX ) as an Identification. This scam could have been avoided if ria money had followed its verification process that requires a valid identity document such as a passport, driver 's license, national identity card, or residence permit card ( as stated on their website when verifying customers in XXXX ). ria money failed to adhere to their verification standards by paying someone who presented an XXXX XXXX, even though this document is not listed as an acceptable form of ID. 

I'm requesting that ria money take responsibility on this for not following the payment regulation process on their website.
Consumer complaint received 2023-10-05
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: EQUIFAX, INC. (TN)

I did not authorize or give any written permission to any of these companies to inquire on my Equifax report. Please block and delete them from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AFNI INC. (AK)

afni Subrogation Department XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXX XXXX Www.afnicollections.com Tried to collect {$33000.00} on behalf of XXXX XXXX XXXX This is fraudulent and no money is owed to XXXX. I believe this company is engaging fraudulent activities. They targeted my XXXX mother, who was the driver of a vehicle that I own that was stolen and got into a wreck. My insurance company XXXX XXXX XXXX ) and XXXX worked through the process and it was determined that my mother nor I held any responsibility for the accident that the thieves caused as the vehicle was not in our possession. 

In short an official looking letter was sent to my mother threatening her, without any mention of me or sending me ( the actual owner and insurance policy holder ) any information at all. They are clearly trying to scam older people into paying debts that they don't owe. I called the company and explained who I was and that I know that there is no such debt owed. The hung up on me. Please make sure this company isn't doing this to other older Americans.
Consumer complaint received 2023-09-19
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. (CA)

I am a victim of identity theft. I have submitted a police report and a Federal Trade Commission report regarding XXXX fraudulent personal loans on my Experian credit report. However, Experian has not done anything to fix it.
Consumer complaint received 2023-04-28
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: DISCOVER BANK (NY)

Somebody stole my identity and Im just now realizing it. A credit card was issued from Discover with all my personal information including my social security and this individual used the credit card and it was charged off. I tried to complain to the police and nothing has come of it. Now my credit is ruined. This wasnt me that issued that card.
Consumer complaint received 2023-07-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (CA)

This matter is involving the company, XXXX, in their exhibiting unfriendly customer service. In fact, the service appears intentional to force payment on items irrelevant to the customer account. XXXX issued several phone numbers to my business account, a main number, fax, and others related to the business operation. When terminating my main phone number, XXXX shut off my main number, however, they kept on ( active ) the other phone numbers. XXXX only acknowledged the main number to enable talking to their customer service. When terminating their main number, it was impossible to turn off ( discontinue ) all of the other numbers. This period of time was between : XX/XX/XXXX- XX/XX/XXXX. Through this time, I attempted to reach XXXX. Once I finally terminated all numbers, they sent me a bill for the period of time I was trying to turn it off, to reach their company. 
XXXX XXXX - - turn off main business line XXXX XXXX - - attempt to reach XXXX to turn off other business lines XXXX XXXX - - written attempt to XXXX by mail to turn off other business lines XXXX XXXX - - demand for termination of business with XXXX and waive billing XXXX XXXX - - dispute debt by XXXX XXXX ( CONVERGENT ) XXXX XXXX - - dispute debt by XXXX XXXX ( WAYPOINT ) Status now : XXXX PLEASE STOP!!! Please stop this financial harassment.