davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-06
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. (IL)

THE END OF XXXX I CLICKED ON A SALE LINK FOR XXXX XXXX  % off XXXX sale. I shopped for about an hour. I purchased {$66.00} worth of items. 
I never received tracking or an email from XXXX. After a couple weeks I went searching through XXXX for a receipt. I found nothing for that amount except a charge from a company called XXXX. I searched back in my email and found a receipt for charges with no description of items, or shipping information. I never received any other contact from XXXX. I immediately sent a message through their support email. NO one ever answered back. I went to Citibank and found the charge and disputed. I didn't realize I should have clicked Fraud. They tell me since I willingly gave my credit card to XXXX it wasn't a fraudulent charge. Citibank/Citi card has been sent pictures of the fake support emails that bounced back because it does not exist. They received a letter signed by myself and my husband about what had happened. They received several complaints about this company stealing money from people around the world not just the country. 
I was told I had to pay {$66.00} they had reversed the temporary credit they had given me. 
I made XXXX more calls pleading with them to go to a site and look at the people that had the same problem as me and other people that actually shopped on Risetor.com Which I NEVER SHOPPED ON! I was one of many people who clicked a link on XXXX taking us to a site so very well organized no one would have known. There were pictures from several stores at the time I had no idea of that either. XXXX, XXXX, XXXX XXXX, XXXX XXXX and more. All those pictures of items on that fake site were stolen from those stores. XXXX I did a search on XXXX XXXX scam. I found several other people complaining about the same thing that happened to me. Citibank Fraud department after weeks has not done anything. Citibank hires their fraud department from XXXX. Seriously? All I get is don't worry I will investigate this, and they have done nothing but tell me I owe XXXX {$66.00}. I never went on XXXX. This is a FRAUD CASE This company is making millions off the back of American citizens and others across the world with their bad selling techniques of ripping people off and fake websites.
Consumer complaint received 2023-04-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC (NY)

This debt collection company called me to collect a debt that is from the year 2019 and has been removed several times from my credit report because it comes from an already verified identity theft. They say that this debt is from the company XXXX XXXX XXXX of the Year 2019 and that it has passed through several collection agencies. This shows that this account is false since none of the collection agencies that have put it in my credit bureau has been able to keep it because it is a fraudulent account. 

I was not in the United States that year and I recently contacted the original company of that XXXX XXXX XXXX account and they don't even know about this account. Attached to this complaint is my identity theft report. I made a complaint to the XXXX XXXX XXXX XXXX XXXX Department for selling a fraudulent debt to collection companies.
Consumer complaint received 2020-05-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BOEING EMPLOYEES CREDIT UNION (WA)

Settlement was made to becu and received documents from becu stating settlement paid as agreed. This occurred between XXXX In XX/XX/2020 I received notification from back that they would put my account to collection if I did not pay again. 

Dispute of this account created correct result on XXXX  but is still reporting charge off on XXXX  and XXXX  and continues to damage my credit as they continue to report charge off each month.
Consumer complaint received 2024-03-06
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: Spring Oaks Capital, LLC (NY)

I have tried to dispute this collections for some time now. Awhile back an ex spouse vindictively opened all this credit in my name. Her name was XXXX XXXX. I have just now noticed all the negative impact from this account and disputed all fraud made multiple times on all XXXX websites. XXXX, XXXX XXXX XXXX. Spring Oaks will not help me resolve this issue in any way. They ignore all my requests. Keep spiking my balance & hitting my credit hard. I just believe this to be unfair. This credit was opened without my knowledge and no help whatsoever on the companys end.
Consumer complaint received 2020-05-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (PA)

I have business credit card under my company name, XXXX XXXX XXXX XXXX XXXX, with my wife and i being employees. The combined billing account for both of us is used to bill all the purchases done by us. The commercial made by us bank is required total spending {$4500.00} in 150 days from opening day. We paid total {$7000.00} plus in the 150 days limit, but us bank refused to give me the {$500.00} reward because they only look at individual employee, not the company spending made by the company. Thank you.
Consumer complaint received 2024-01-20
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (AZ)

My credit builder and my checking account has XXXX in unauthorized charges. I immediately cancelled my cards and contacted the merchant and filed a police report. I filed a dispute charge for each unauthorized transaction. I have been denied 4times by chime. I'm am consulting with an attorney and I don't know what else to do.
Consumer complaint received 2020-05-29
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Peer Advisors, LLC (MD)

XX/XX/XXXX @ XXXX XXXX.- I received a telephone call from XXXX XXXX Celink XXXX XXXX ) stating " Your loan is currently in default because we advanced {$1.00} to the XXXX County Tax Office for ( your ) XXXX taxes ''. 

XXXX further stated a 30-day care letter was sent to me dated XX/XX/XXXX by regular mail. I am not in receipt of this letter. 

XX/XX/XXXX @ XXXX XXXX. - Retrieved from my mailbox a letter from Celink dated XX/XX/XXXX indicating " You may have received recent correspondence from us as it relates to your tax and/or insurance obligations on your reverse mortgage. '' " Unfortunately, we recently had to advance funds on your behalf to pay for delinquent taxes and/or insurance on your home and your loan is now considered to be in " Tax/Insurance Default '' status ''. " The current amount that needs to be repaid in order to cure this default is {$1.00}. Signed : XXXX XXXX. 

When I asked why a phone call was not made advising me of the {$1.00} balance, XXXX replied ... '' Celink don't call ''. 

A subsequent phone call to the XXXX County Tax office revealed that a tax balance of {$1.00} was indeed present at one time. However, tax balances of {$10.00} and under are not pursued. Upon request, received an email copy of my XXXX tax bill. Balance = {$0.00}.
Consumer complaint received 2017-02-25
Product: Credit card — 
Issue: Other — 
Company: CAVALRY INVESTMENTS, LLC (NJ)

I have been fighting with Cavalry SPV I LLC regarding their practice of illegally re-aging my collection account in an effort to cause undo financial hardship on me. This seems to be a common practice with today 's debt collects where they buy a debt that has aged out 5-6 years and then re-report it on your credit report as of the date they purchase it. The problem is by law ( in most states ) the collection account is only valid on a personal credit report for a total of 7 years. When the collection company re-ages it, the consumers credit scores takes a significant drop ( in my case over XXXX points ) as the debt looks like it just went to collection. Secondly, they do this so they can have the debt on your credit report for an additional 7 years. This Company should be investigated for their practices not only in my case but in all the consumers they have affected. I have went thru the expense of hiring an attorney to assist in this as well but it seems to fall on deaf ears. The Company 's lawyer ( who I will list below for CFPB to contact ) claims her client knows nothing about the issue and refuses to address it. So here we are, hopefully the CFPB can address this promptly and all the consumers who have been violated under the law will take some form of satisfaction in seeing Cavalry SPV get what they have coming to them. {$1000.00} fine for each violation. The max allowable by law. 
Attorney for Cavalry : XXXX, XXXX. 
XXXX , XXXX 
XXXX, NJ Office : XXXX, XXXX, NJ XXXX Tel : XXXX Fax : XXXX Email : XXXX XXXX
Consumer complaint received 2022-07-18
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: EQUIFAX, INC. (NY)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2020-05-29
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. (CA)

XXXX  XXXX  XXXX is repeatedly violation of FCRA 623 ( a ) ( 5 ) ( A ) They are re-again the accounts, I have documentation that proves that XXXX shows that these accounts have been settled in full as of XX/XX/XXXX and the company is reporting that I am late XX/XX/XXXX and XX/XX/XXXX. This is a major violation of the FCRA.
Consumer complaint received 2023-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE (FL)

I realized sometime in XXXX that my name had been used to open 2 different credit cards. There was one card at BARCLAYS BANK DELAWARE that had opened in my name on XX/XX/XXXX in XXXX, DE. 
The second credit card in my name was opened at XXXX XXXX XXXX on XX/XX/XXXX in XXXX XXXX, XXXX. I was able to speak to the representatives at XXXX XXXX and get it sorted out to where they were able to close the account once they discovered through an investigation that it had in fact been fraudulent. The XXXX XXXX account had been updated and closed on XX/XX/XXXX. I have never been to either states in my life. When I spoke to the representatives at Barclays Bank Delaware they informed me that there had not been any fraud committed. I inquired originally on XX/XX/XXXX of XXXX.
Consumer complaint received 2020-05-29
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: CITIBANK, N.A. (NY)

I've made every payment on this Custom Credit Line since it was opened, but due to loss of work from the COVID-19 shutdown, I was unable to continue making monthly payments. 

I'm self-employed but also have a part-time job, which stopped on XX/XX/20 when Gov XXXX ordered the non-essential business lockdown. Therefore, I was unable to continue making monthly payments of that amount. 
Since the shutdown, I've made 4 calls to have the monthly amount lowered as I can not make the current payments : XX/XX/20, XX/XX/20 ( 2 calls ), XX/XX/20. 
Each Citi " customer service '' person has been nastier than the next, not one offered to help. All treated me as if I was a deadbeat. Citibank acts like there's no worldwide pandemic or 33+ million unemployed in the US . 
XXXX suggested I send a letter to Citi Cards which I did on XX/XX/20 & to file a complaint with the CFPB.
Consumer complaint received 2022-07-18
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: Receivable Recovery Services, LLC (AL)

I have faxed over a copy of my driver license, social security card, and my utility bill and I still haven't received anything from them. It have been three months. Lord knows I never gave them written instructions to put false stuff on my credit report.
Consumer complaint received 2020-05-29
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

Hello I am a client of WELL FARGO Bank, in XX/XX/XXXX I was involved in a crime, random people assault me, drugged me and robbed me, this people took my wallet and my phone. The same day of this violation happened the thief used my debit card and was available to spend {$5100.00} from my checking and saving account ( which as stupid it sounds that was possible why? Thats a question for Wells Fargo bank ) ME as a good customer I follow what I supposed to I called right away to dispute the ilegal charges and notified the bank. Also the same day I went to the police station to report what was happening ( I have a police report ) so I gave the bank time to do an investigation, it took less than one week and a half to decline my claim, why? This was their answer : because they thought I planned all the thief which its stupid because I have a police report and I as human being acknowledging that can go to jail for lying to the law and the bank! 
So I tried to do a complain to the bank because that I was told to do by a banker, so I collect all the information they were asking me for when I did the complain so : I gave prove that my phone was stolen, I showed receipt of my new phone, I gave information about the police report, I gave the bank information about my phone company explaining that the phone was stolen and the phone was flagged. After I waist my time doing all this the bank decide just to keep avoiding every time I ask for updates for my claim, the bank always give me bad attitude and bad customer service. I, as customer I just wanted an explanation why they declined my claim so fast with no explanation. Its been almost FIVE months and I havent heard from the bank at all. Its upsetting and disappointing because at the moment I open and account with Wells Fargo I never thought the bank would let someones else money just like that without notifying the client. They should have more security in their system. Its ridiculous the way they avoid their clients, I trust Wells Fargo with my money the least they can do is protect my money. How I said before its been 5 months and I have got zero respond from them this is my claim number : XXXX. I would like they to investigate this case more deep. 
At this point I dont know if I want to customer of this bank anymore.
Consumer complaint received 2023-04-02
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. (GA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purspose.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (GA)

I've opted out numerous times with Lexis Nexis ( XX/XX/XXXX, XXXX and XX/XX/XXXX ) Still getting things reported on my Credit profile without written disclosure via U.S mail. I've spoken to a few of their customer service reps who refused to help resolve this issue even when I explain this situation is a violation to the Fair Credit Reporting Act and Privacy Act of 1974. I spoke to the XXXX District of Georgia U.S. Bankruptcy Court regarding ( Ref # XXXX ; XXXX ), The United States Bankruptcy Courts explain to me that it does not report any information to the credit bureaus and is not responsible for verifying or validating information from consumers ' credit files. With that being said how is XXXX, XXXX and XXXX saying its been VERIFIED on my Consumer Credit Profile? An XXXX Supervisor informed me that public record information was furnished by Lexis Nexis. Then Lexis Nexis informed me Bankruptcy was public information collect PACER. The information gathered from the PACER system is a matter of public record and may be reproduced without permission. The FCRA 15 U.S.C 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. It continues to say that they don't have anything to do with the consumer reporting agencies. 15 U.S.C 1681s-2 ( 2 ) The duty of the furnishers of information is to correct and update information. The FCRA also prohibition reporting information with actual knowledge of errors. 15 U.S.C 1681s-2 ( a ) ( 1 ) ( A ). LexisNexis is willfully noncomplying with the law.15 U.S.C 1681n ( a ). LexisNexis has a duty to ( 2 ) Duty to correct and update information A person who ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. This is becoming a big headache and really hurting my credit worthiness. I've also received a copy of my Lexis Nexis report showing things reported on my profile without any written consent to myself and other parties listed on my profile without their consent. I need Lexis Nexis to removed all of these inaccurate reports off my consumer profile and send the inaccuracies to XXXX, XXXX and XXXX for their removals off of my credit profile immediately. I've been a victim of ID Theft on my XXXX Taxes. A Complaint was put in with The Internal Revenue Services.
Consumer complaint received 2024-03-06
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (SC)

XXXX XXXX XXXX contacted me in XX/XX/XXXX that I had an outstanding debt with them. I filed a XXXX dispute report and XXXX cleared off my credit report as a debt that was indeed not mine. 

I also called XXXX XXXX XXXX and spoke with them, XXXX XXXX XXXX does NOT have record of me having a direct account with them at any address or phone number I've EVER had my entire life, or any outstanding bills with them. 

And then XXXX obviously sold this bad fraudulent debt to another company, Radius Global Solutions, who now recently has been calling me constantly again, asking for my personal info like my SSN which I refused to give them as it didn't feel legit. 

The only XXXX XXXX XXXX " account '' I ever had was at a large apartment building I lived at - where the XXXX XXXX XXXX bill was paid by the apartment building leasing company. The apartment building paid the entire apartment buildings XXXX & XXXX bill each month, and the leasing office then just billed a flat rate to tenants every month to cover those cable & internet expenses. I've NEVER had a personal account with XXXX XXXX XXXX. 

Radius notified me that service started on XX/XX/XXXX and service was considered delinquent only a few weeks later on XX/XX/XXXX! And the amount was {$7300.00} during that time... completely suspicious! 

This is very clearly a scam/they bought bad debt with incorrect info. I've researched Radius on XXXX and do NOT feel comfortable giving them my personal information.
Consumer complaint received 2020-05-29
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX. 
Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX