davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I paid off my last statement in full. But they are telling me that they can charge interest even though I have a XXXX  balance. I know this is illegal and I have no intention of paying interest every month on a XXXX  balance.
Consumer complaint received 2019-09-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Ardmore Finance Corporation (OK)

Last month around the XXXX of XXXX I went to make a payment, the lady said their rates changed and I can recieve money. I asked what my regular payment was because I did not want a raise and she couldn't answer me because she already did it without my consent. Then she just kept ignoring me. I couldn't speak to the manager because she has been gone and I also found it odd that the old lady ( that wears a XXXX XXXX ) is using the managers initials and notoriety stamp to sign the document. I have been waiting to speak to the manager, but she still has not returned.
Consumer complaint received 2021-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A. (CA)

I opened a credit card account with BBVA on XX/XX/XXXX. ( see open1.png & open2.png ) On the terms of account opening, it is stated that annual fee is " {$0.00} for the first year your account is open ''. ( see Application Terms.pdf ) I attempted to close the account on XX/XX/XXXX, yet the annual fee is already posted on my account on XX/XX/XXXX, during the statement cycle of XX/XX/XXXX. ( see fee1.png and Statement.pdf ) BBVA won't let me close the account without paying the annual fee that is charged before the one year anniversary at XX/XX/XXXX.
Consumer complaint received 2020-10-05
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. (NJ)

Dear Sir or madam, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 



Credit reporting laws ensure that bureaus report only 100 % accurate information every step must be taken to ensure the information reported is completely accurate and correct. 

The following information therefore needs to be re-visited. I respectfully request to be provided proof of these inquiries were in fact authorized with an instrument bearing my signature for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible : INQUIRES The listed inquires were without authorization, and no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information, and Supply a corrected credit profile to all creditors who have received a copy within the last 6 months or the last two years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have 30 days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy of the completeness of the information is hereby requested, to be provided within 15 days of completion of your re-investigation. 

XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Nj XXXX
Consumer complaint received 2021-08-10
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (VA)

XXXX of this year, I received a promotional email from Citibank that advertised a bonus of {$400.00} if I open a new saving account and fund the account with {$100000.00}. I opened the saving account online following the promotion and funded the required amount, patiently waiting for the bonus to show up. 
Reading the fine prints in details, I waited for a few months and never saw the bonus. I then contacted Citibank. The response after their investigation was that the Promotion Code XXXX was not targeted to my account, unless I can provide evidence. Funny thing that I never even mentioned that was the promotion code I signed up with. 
Luckily, I have at least XXXX emails from Citibank that shows this Promotion Code XXXX was indeed targeted to my account. The promotional emails have my name, my checking account number ( ending XXXX ), and all the fine prints and promotion code clearly spelled out. Then I went through a month of XXXX trying to provide this evidence to Citibank. I've spoke to 3 supervisors and countless representatives. I have emailed them the evidence 3 times, faxed 1 time, and even had my local Citibank representative to manually upload the evidence emails to the case. Four cases were opened for this investigation, and all 4 cases resulted the same resolution - Promotion Code XXXX not targeted to my account. I patiently tried again and again to provide the evidence and at my last encounter with a supervisor, she was finally able to locate my emails and promised to attach my emails to the case, yet the case still resulted the same resolution without ever mentioning my evidences. I'm truly disappointed in how unethical Citibank tricked its customers to sign up for a promotion that was set up to be a trap. I'm writing to demand my {$400.00} bonus. Please see my attached promotional email from Citibank in XXXX, XXXX, and XXXX, each indicated that this promotion was targeted to my account, with my name, checking account number, and the promotion code in clear text. I'm also including 2 of the 4 cases resolution letters from Citibank ( Dispute case # XXXX and XXXX ).
Consumer complaint received 2020-05-22
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I did join XXXX XXXX from XXXX to see free credit report and spotted some discrepancies between reality and what happened in such credit report. Being said that, I have never applied for Capital One credit card. So 2 Capital One Inquiries on XX/XX/XXXX and XXXX, 2020 are not resulting from my personal action and 1 approved Capital One card beginning with XXXX is not mine also.
Consumer complaint received 2022-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX, XXXX. XXXX TransUnion XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, TX. XXXX XXXX, XXXX XXXX This letter is a formal notice for you to cease making unauthorized hard inquiries into my credit report, and a formal demand that you immediately instruct XXXX Credit Bureaus, XXXX, TransUnion, and any other applicable credit bureaus ) to remove your illegal inquiries from my credit report. Please note that I WILL be checking my credit report next month to ensure you have had the following unauthorized inquiries removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

To the best of my knowledge, I have not signed any documents authorizing your company to pull my credit, which means you violate the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

As long as these inquiries are removed from my credit report, then I will be satisfied. Otherwise, if you have any document that has authorized your company to make inquiries into my credit report or proves any type of permissible purpose ( as outlined in FCRA Sec. 1681b ) then I request that a copy of any such document is immediately mailed to my address listed above so that I may review it.

If you do not possess any such inquiry authorization, then I also request that you remove all of my personal information from your records and send me confirmation that you have complied with my requests. Thank you!
Consumer complaint received 2020-10-05
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. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX nj XXXX To Whom it May Concern : I recently pulled a copy of my credit report and noticed the following information are in error : Name XXXX XXXX XXXX XXXX XXXX With the amount of identity theft going on, I am very fearful that someone could mistakenly identify me as someone else with this incorrect information on my credit report Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-01-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NV)

On XX/XX/2023, I received a phone call around XXXX XXXX  that reads " XXXX  XXXX XXXX ''. Assuming it was a representative, I answered and the person calls to tell me that there was a suspected withdrawal from my account from a person named XXXX ( apparently bares the same last name as me ) and made an unauthorized transaction to buy automobile parts. They took {$3000.00} from my savings and {$500.00} out of my checkings. He then asks me if I know this person and I told them no. So from then on, he said he would help me get my money back and again, I was under the impression that he was my banks customer service fraud team representative from out of state that operated XXXX, so I have to had believed it. I was too desperate to want my money back, so I thought anything would help. 

So he helps me try to get my money back by asking me to zelle the amount I lost and add myself as a recipient. However, I had to add the number he provided for me as well as a code given to me that I entered once. Then when that was done, he informs me that the bank will call me in the morning to make a confirmation status, I waited next day and expected a call and nothing happened. The person who I spoke to on the phone was most likely in on the scam with the person who initially took money from me or it's the same person altogether. I have screenshots of his number and proof of the transaction. I have also contacted my bank immediately next day and they told me to call Zelle 's Fraud and Scam department 's number, so I did. I spoke with a customer service representative and she asked me questions that would help my case. She did however, told me that it would take 10 days for the dispute and at least 45 calendar days for it to be active? Not sure. But I would like to make this claim in case I do not receive my funds back since I heard Zelle may not be covered under Regulation E.
Consumer complaint received 2020-10-05
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: Experian Information Solutions Inc. (PA)

In XXXX of 2019, I was performing my annual credit check. On my report, I found several errors, with a majority of them coming from a student loan servicer XXXX. XXXX apparently at some point, awarded the debt to XXXX  XXXX XXXX, while never including me as part of the transition. In XXXX of 2019, I requested that XXXX XXXX XXXX forward me any documentation or contract with my signature on it, affirming my relationship with that bank. I received a letter back from XXXX  XXXX, informing me that they had no record of the account numbers that were associated with their name on my credit report. Without documentation by XXXX XXXX  that I had a relationship with them, it is the opinion of not only myself, but of my legal team that any negative tradeline involving XXXX should be PERMANENTLY deleted from my credit report. 

Again, I am simply asking that XXXX  or XXXX XXXX  provide any proof that I had a relationship with XXXX XXXX. Without proof of this, XXXX XXXX XXXX continued presence on my credit report is a violation of the Fair Credit Reporting Act. Without prompt action, I will be seeking legal remedy by the courts in the coming months. 

P.S. I have linked both the dispute letter, and the letter from XXXX XXXX  below.
Consumer complaint received 2020-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AP)

Experian allows inaccurate reporting on my credit profile on a account that has been fraudulently reporting on my report. The account has been reported closed and paid in full numerous times and has never been reopened. In the last 6 months it been closed now reopened with a monthly payment but zero balance. Ive already disputed this account and showed that I havent open or reopens this account and although its been closed Experian allows their customer to report it open multiple times and add Monthly payments. This account being magically reopened is a negative on my report.
Consumer complaint received 2020-11-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A. (FL)

I the consumer/ natural person and original creditor. Pursuant 15 USC 1602 ( p ) that there has been unauthorized use of my credit card by CITI BANK without me benefiting from this consumer credit transaction. My benefits were taken by misleading and deceptive forms 15 USC 1692j ( a ) requesting payments. This herein unrebutted affidavit of truth being serviced to you today and therefore, standing as truth in commerce, so be it. If called upon to testify as a witness I the consumer and original creditor shall so state herein. This consumer credit transaction was unjust and I had not equity in it. Affidavit of truth and exhibits attached. Please note that an affidavit of truth not rebutted stand as truth in commerce.
Consumer complaint received 2020-10-05
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. (PA)

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 
Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file.
Consumer complaint received 2020-07-07
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: Fidelity National Information Services, Inc. (FNIS) (MN)

I am a victim of identity theft and Chex Systems has a police report on file for Consumer ID : XXXX for me being a victim of identity theft. The following Reported Information listed on my Chex Systems Consumer Report is fraudulent, not my account and is the result of identity theft : XXXX XXXX XXXX, XX/XX/2020, {$2500.00}.
Consumer complaint received 2022-07-13
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 DEPT OF ED/XXXX XXXX XXXX XXXX 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 this account without my written instructions. I have not given XXXX XXXX XXXX  TRANSUNION permission to publish this information on my credit report. I am in good standing with XXXX therefore publishing my student loan information in my report is unnecessary and illegal. This has caused a negative impact on my score which has affected me with personal business I am conducting on daily basis. The removal of this information would be greatly appreciated. I am not denying my loan and will continue to be on good standing.
Consumer complaint received 2020-11-24
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO. (PA)

On XX/XX/20 I notified Chase Bank that there had been an additional withdrawal from my account at another bank for a final car loan payment. They acknowledged this and notified me that in 10 business days my bank account would reflect the correction of this ( Sounds a bit long in todays age but I accepted this ). To date this has not happened having been 10 days and they now tell me they will research the case. They can give me no evidence they even processed a refund. Amount is {$280.00} and I feel that the bank has me as hostage and is holding onto funds longer then they should .Not a practice in these difficult times.
Consumer complaint received 2022-08-15
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 719XXXX 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 heck 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 XXXX XXXX XXXX XXXX from the fraud department I prefer to speak to a us 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 severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2021-05-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (TN)

XX/XX/2017 a collection was placed on my credit for {$3000.00}. XXXX years later the balance went up to {$5400.00} for alleged damages for a 2 bedroom apartment. I was told to vacate the property within 7 days because my police K-9 bit a neighbors dog requiring 1 stitch, which we offered to pay for. However, the resident chose to report it to the front office and the manager notified my family that we would have an eviction on our record if we didnt leave within 7 days. This obviously violated our lease terms with us having to pay for months of rent without residing at the property. The damage estimate was severely inflated as I was a real estate appraiser for 10 years and based on cost to replace a new 2 bedroom would be far less than the collection. The estimate was not realistic and extremely exaggerated. I am a 100 % Total and permanent XXXX Veteran who served XXXX branches of the military and served my community as a XXXX XXXX.
Consumer complaint received 2020-11-24
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: Experian Information Solutions Inc. (OH)

I sent a dispute letter on XX/XX/2020 about the inaccurate and wrong things on my credit report. Its been over 40 days and I have not received any word back about my credit report. I think I'm being ignored and my dispute is being disregarded. 611 ( a ) States that if a credit reporting company has not completed an investigation in 30 days the information being disputed should be deleted. Its been over 40 days, so I demand that these accounts be deleted at once or I will file for litigation due to the hardship Ive had to experience. My information was also impacted by the XXXX data breach and may have gotten into the wrong hands.
Consumer complaint received 2020-11-24
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. (IL)

I sent a letter on XX/XX/2020 in regards to inaccurate and unknown items on my credit report. It has been more than 60 days and I have not received a response. This is making me believe I am being ignored on my disputes. It is stated in Section 611 ( a ), that failure to investigate the items within 30 days gives the reason to delete the items from my credit report. As I stated above, it is over 60 days after so the items disputed should be deleted at once. I am requesting the disputed accounts be deleted or I will enforce my rights and pursue litigation and seek relief. My information was also impacted by the Equifax data breach and might have got to the hands of the wrong people.
Consumer complaint received 2019-05-09
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ALLY FINANCIAL INC. (AL)

I was on the board for a company that bought a vehicle in XXXX. I cut ties with that company in XXXX. The company stopped paying on the vehicle in XXXX of XXXX. I was unaware of the lack of payments or that my name was used on the vehicle purchase as a co-signer. I didnt receive any notice from Ally about the delinquent debt until it showed on my credit as a charge off.
Consumer complaint received 2021-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (CA)

I have been XXXX XXXX the last six filing dispute on mortgage payments reflecting proper balances on the credit reports.I keep getting the runarounds.The balance shows XXXX and we owe XXXX.