davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-16
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. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. 
there are items in my credit report that are misleading and inaccurate, I need the items investigated. please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXXXXXX, GA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$700.00} XXXX XXXX XXXX XXXX Balance Owed : {$420.00} XXXX XXXX Balance Owed : {$9000.00} XXXX XXXX XXXX Balance Owed : $ {$1400.00} XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX
Consumer complaint received 2023-02-16
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)

When I reviewed my credit report, I discovered that some of the information was still erroneous. The 3 credit bureaus must validate this account. It is not authorized to fail to validate this reporting account as unverified information without providing any proof The following account need to investigate and correct for erroneous reporting in my file and is listed on my credit report XXXX XXXX XXXX : {$11000.00}
Consumer complaint received 2020-05-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

Bank of America made a mistake processing a wire i tried to send on XX/XX/20. They then lied to me and told me the other bank didnt reply to a swift message that they never sent. Then they lied and said their website doesnt always display the right disclosures so they had to cancel it so I could try it again. Then they finally admitted they clicked the wrong button and cancelled it by mistake. It should be illegal for banks to lie and blame other companies for their errors. You should fine them.
Consumer complaint received 2022-10-17
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: EQUIFAX, INC. (CO)

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 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 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 2021-09-13
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Webcollex, LLC (OH)

This company CKS Financial has been calling my number but I do not know them and I do not owe them for anything and I do not know anything about any relatives debt etc., with them. CKS call everyday all day long until I have to turn off my phone to stop the disturbance. I do not want to talk to them because if they look to see who this phone is registered to they would know they have they wrong person..
Consumer complaint received 2020-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I am the owner of a Bank of America Credit Card. I noticed in my statements that the Bank Of America added an {$1.00} fee to my statements. 
My card has a zero % interest rate. 
I called the bank on XX/XX/2020 at XXXX XXXX and asked about the {$1.00} fee. 
The banker responded that the fee was an interest. 
I asked the banker, to show me, on the statement where it says, i have to pay any interests if my interest rate is {$0.00} ( zero ). 
She referred me to the first paragraph of the statement where the word interest not fee is being used. 
in that statement it states that if I have a balance on my credit card that interest might be charged, it does not say that a fee might be charged. 
According to the Bank Of America representative there is no difference between an interest and a fee. 
On one hand, the statement says that i have a zero percent interest on the other i am being charged a {$1.00} fee because of interest. 
The Bank is intentionally misleading consumers by confusing the terms : fee and interest. It is also confusing consumers by not disclosing that so called " fee '' to consumers when they apply for credit cards. 
Bank of America is doing false and misleading advertisement. How can they advertise the credit card as a 0 % percent credit card when in fact they are charging interest by calling it a fee?
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$2.00} XXXX XXXX Balance : {$420.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$5800.00} XXXX XXXXXXXX XXXX : {$2.00} XXXX XXXXXXXX Balance : {$5400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BARCLAYS BANK DELAWARE (VA)

On XX/XX/2020, I reached out to Barclays to resolve an outstanding charged off debt for {$790.00} that was outstanding for over a year at that point. I was told that I was unable to pay off the account, even in full because they were not able to accept a payment and also did not have the account assigned to a 3rd party collector. 
A month later, I called back to see the status and was told the same thing - I could not resolve the account. 
Another month later, I called back a third time with the same non-resolution. 
In the 2nd week of XXXX, 2020 I called back again and was given an address to main a check to and now that payment has been accepted and am waiting for the bureaus to receive an updated XXXX balance. 
I feel like Barclays held this account XXXX by not allowing me to resolve it and has had an unnecessary detrimental effect on my credit history.
Consumer complaint received 2020-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Porsche Financial Services, Inc. (VA)

This is my second attempt to rectify this matter. Porche Financial is in violation of my rights as a consumer. I am invoking my specified remedy as a consumer. I am demanding that they remove this 30 day late on my consumer reports for XX/XX/2020. This had caused me great hardship and financial injury. Please review my attached affidavit of truth.
Consumer complaint received 2022-06-01
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: ALLY FINANCIAL INC. (MA)

XX/XX/21 my car was in a car accident XX/XX/21 XXXX insurance deemed my car to be a total lost and issued a check for XXXX the check covered the car difference of what Ally was asking for. Ally kept the balance and wants me to pay additional fees of XXXX .My gap insurance was not applied and they kept my payment of XXXX I made XX/XX/21. They received more than what the car was worth.
Consumer complaint received 2020-10-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP (MA)

inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of
contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the  XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2020-10-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: DISCOVER BANK (CT)

On XX/XX/XXXX I initiated a {$6000.00} AHC wire transfer from my Discover Bank checking account to my XXXX XXXX XXXX checking account. Unfortunately I used the wrong routing number and learned that the money would be rejected by XXXX  XXXX XXXX and sent back to Discover Bank. On XX/XX/XXXX I got an email saying my ability to transfer funds was suspended. I also got an email that said they noticed unusual activity on my account and it was suspended and I needed to call immediately. I called and got my account reactivated only to get the same emails the XXXX and XXXX. Finally on the XXXX I got another email saying to contact them immediately and that they noticed more unusual activity on my account. But there wasnt any. The only thing was the {$6000.00} being sent back. 

I talked for a while with customer service and was told my account was closed as a Business decision same thing they told the other people that made a complaint to this website. I asked when will I get my {$6000.00} plus thats in my account? She said 60 days. I said thats a long time, and she replied that that gives time for all the transactions to go through. I hung up and started researching if this was legal. 

I would ask you try to reach out to XXXX XXXX VP of Customer Service at Discover Bank, and try to explain the situation too him and how the longer they hold my money the more its going to cost them in legal fees and judicial decisions in my favor. All I did was put the wrong routing number in to a wire transfer, there was no fraudulent activity.
Consumer complaint received 2020-05-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cedars Business Services, LLC (ID)

My complaint is with Cedars Business Services based in XXXX, CA phone XXXX. I have repeatedly informed them that this debt has been paid directly, and let them know that they are calling me on a phone used for work during business hours, that the debt was already paid, and requested no further calls. They refuse, and continue to call me on a daily basis, for months on end. I have no recourse on how to end the harassment. They insist on calling me no matter what I tell them and will not stop. I have let them know I am filing a complaint and wrote this complaint while on the phone with them.
Consumer complaint received 2020-05-12
Product: Credit card or prepaid 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: AMERICAN EXPRESS COMPANY (NY)

On XX/XX/XXXX I booked two online tickets with XXXX XXXX ( Locator # XXXX ) for a round trip to XXXX with a departure the XXXX of XXXX from XXXX to XXXX XXXX ( XXXX # XXXX ) and a return on the XXXX of XX/XX/2020 from XXXX to XXXX ( XXXX # XXXX ). The transaction was done in the morning and within minutes I cancelled this reservation by calling directly XXXX to make sure it was done in properly manner and in order to make sure was within the XXXX grace period the airline has in their policy to provide full refunds to the credit card. To this day, XX/XX/2020 no refund has being generated from XXXX to my American Express platinum card and they ( the airline ) claims they never processed the payment. American Express, in the other hand, claims the airline processed the charge of {$1100.00} to my account. 
At this point Iam in the middle of all with a violation to my rights as a consumer that wanted to follow the rules of the airlines fully to be able to do things right. 
American Express after lengthy investigation during disputed charges closed the complaint and are ready to reflect that full amount aforementioned in my next billing cycle. 
Please help me in this matter as it is money that I rightfully believe should have not been charged at all. 
If you need further information please dont hesitate to contact me and I will gladly provide documentation. 
Sincerely, Consumer
Consumer complaint received 2022-10-12
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CO)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-04-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

The XXXX XXXX XXXX charged my Wells Fargo debit card a total of {$3400.00} plus some change which I never never authorized. When I saw these charges reflected in my online banking I called Wells Fargos client care immediately. The gentleman I spoke to reassured me that the bank would take care of the apparent fraud issue and for me not to worry. I received a credit back for the amount missing. A short time after, Wells Fargo rescinded the credit without notifying me for reasons that are still unknown. I attempted to resolve this right away with both Wells Fargo and XXXX XXXXXXXX XXXX to no avail. Neither merchant was ever able to show me any documentation or one single price of proof explaining why my money was taken away from me now twice. I have never signed anything for XXXX XXXX XXXX nor verbally agreed to any charges with my Wells Fargo card or otherwise. I have called both merchant countless times and nothing is ever come close to being resolved. Both merchants point the finger at the other or I somehow end up being disconnected from my phone call. I have spent so many hours that now total days and weeks and more trying to fight for my money and the truth. I wholeheartedly believe that I am being either taken advantage of or Ive been lost in the shuffle. Where most people would just give up and say forget it - I will not. To me this is stealing. And stealing is wrong. Please help me with this circumstance and let me know if there is anything I can do moving forward. I hate to think about the other people this has happened to that just took such a huge loss. This amount of money makes the difference if I have a home or not. Thank you in advance for your help.
Consumer complaint received 2022-04-25
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting Act, the following companies are listed below : XXXX XXXX account # XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 

XXXX, account # XXXX, has violated my rights. 

XXXX XXXX, account # 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 602 ; it also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-10-17
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. (NY)

In accordance with the fair credit reporting act XXXX account # 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. It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 u.s.c 166B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-05-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TRUIST FINANCIAL CORPORATION (NC)

I have been to SunTrust two times to place a check an my checking account and they would hold my money to I had the money an my account to cover the funds, the check was from a approve loan company, why would I need money from a loan company if I had money!!
Consumer complaint received 2020-05-12
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: SYNCHRONY FINANCIAL (MA)

I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
Consumer complaint received 2020-05-12
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. (CA)

I recently had my credit profile pulled. Upon looking at this report I have noticed there were accounts that did not belong to me and accounts that were never late. 

There are also two accounts listed below that are reporting late payment history which is incorrect as these accounts have never been late. I need these three accounts listed under ACCOUNTS TO BE AMENDED to never late. 

I need these three accounts listed under ACCOUNTS TO BE DELETED to be deleted. 

I have a real estate transaction worth {$250000.00} investment property being held up in escrow due to these negative accounts being reported on my file.