davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF THE WEST (CA)

The Bank of the West charged me a overdraft fee XXXX but there was nothing overdraft... 
They claim that, during the day on the XXXX the account was overdrawn, however by the end of the business day, the account was positive. 
Due to that, they assessed a fee. 

However, they were unable to show me this on scree/in writing in any way. 
They refused to email or print anything out for me and XXXX time asked me to get a calculated so they could tell me figures over the phone and I could 'work it out myself '. 

I don't want compensation, I want this bank investigated please. 

I have found 3 charges, now that I look back, and maybe more. 
Charged for no reason, nothing bounced, nothing was overdrawn and no day shows a negative balance. 

I also spoke to another Bank of the West branch about this, they said that all calculations are done at the end of business and fees are to be charged on an account at that time, not arbitrarily throughout the day at random times. 

If this was the case, I would have had many many charges as my account did go under at times, and I would run to the atm to deposit what was needed. 
This is clearly not the case and by them making excuses for mistakes rather than owning up, all I can think is How many people are they doing this to? How much money are they taking in 'fees ' improperly. 

Thank you, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Complete Credit Solutions, Inc. (GA)

In accordance with the fair credit reporting act, XXXX XXXX XXXX Account # : XXXX has violated my rights. 
15 U.S.C 1681 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 an account without my written instructions.
Consumer complaint received 2020-05-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Dear XXXX XXXX Transunion I need you to fix this problem below please note that this is factual information taken directly from my credit report and these are blatant inaccuracies I would like for you to send me the DOC that are used in this investigation. 

These are the items I am challenging : XXXX XXXX XXXX Delete account for failure to perform and investigation per FCRA regulations because date of status did not changed and shows XX/XX/XXXX even though I disputed this account on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX is marked 30 days late on XXXX and on time with Transunion. This account is inaccurate and must be removed. 


XXXX XXXX XXXX XX/XX/XXXX is marked 60 days late on XXXX but 30 days late on Transunion. This is inaccurate and must be removed. 


XXXX XXXX XXXX XX/XX/XXXX is marked as 150 days late on XXXX but 120 days late on Transunion. Delete immediately XXXX XXXX XXXX. XX/XX/XXXX is marked 150 days late on XXXX but 129 days late on Transunion. Delete immediately Please expedite
Consumer complaint received 2023-01-21
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)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-01-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources (NC)

They do not legally own this debt and I do not either so remove because that means this account is not XXXX XXXX accurate on my credit report by consumer law my credit report is to be XXXX XXXX accurate at all times or Violation fees of {$1000.00} per violation can be served.
Consumer complaint received 2023-01-21
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. (AL)

As per 15usc 1611 XXXX XXXX and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc : Consumer Financial Protection Bureau. Cc : 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 2023-01-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (SD)

Hi, I had an account within the whole-time frame in question, I was charged overdraft fees along with insufficient fees and overdraft fees sometimes due to their posting. I lost a house because of the noncommunication with the bank towards me. if they would have talked to me, I would have saved my house instead, I have had years of homelessness. I had my retirement and all my money wrapped up in that house. 
my name is XXXX XXXX XXXX the house I was living in at the time was XXXX XXXX XXXX XXXX XXXX, XXXX.
Consumer complaint received 2023-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY (TX)

Id had Wells Fargo for over 5yrs and when I asked for a credit limit increase I was told I had to back with Wells Fargo before I could get a credit limit increase so I cancelled the CC with Wells Fargo I dont like them at all
Consumer complaint received 2023-01-21
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. (CA)

In accordance with the FAIR CREDIT REPORTING ACT. Experian, XXXX and XXXX all violated my federally protected consumer rights by publishing information to my credit report without my consent. As a consumer I am federally protected from these types of corporate high tech identity thefts. These is the information / accounts in question : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX amount of {$15000.00}. XXXX XXXX XXXX account number XXXX XXXX XXXXXX/XX/XXXX amount {$220.00}. XXXX XXXX XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX phone number ( XXXX ) XXXX - XXXX account number XXXX amount {$230.00}. XXXX XXXX XXXX. address XXXX XXXX XXXX XXXX XXXX XXXXXXXX phone number ( XXXX ) XXXX - XXXX account number XXXX XXXX XX/XX/XXXX amount {$160.00}. XXXX XXXX account number XXXX date open XX/XX/XXXX in the amount of {$470.00}. XXXX XXXX account number XXXX date open XX/XX/XXXX amount {$100.00}. XXXX XXXX address XXXX XXXX XXXX XXXX XXXX XXXXXXXX phone number ( XXXX ) XXXX - XXXX. There are also XXXX inquiries on my 3 credit reports. XXXX, Experian, and XXXX have all committed fraud and violated my rights under 15 USC 1681 section 602a. that states : I have the right to privacy. I want it.
Consumer complaint received 2023-01-21
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. (FL)

As dated, XXXX THIS cause is for Defamation of Character ( Libel ), by way of admission to inaccurate and unfair credit reporting, failure to obtain permissible purpose, and willful noncompliance causing discriminatory acts to be taken upon I, XXXX XXXX, such as denials for credit products, causing severe harm mentally and emotionally knowing the information inaccurate and invasion of privacy. See attachments. XXXX XXXX ALL RIGHTS RESERVED UCC 1-308
Consumer complaint received 2023-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (FL)

I was comparing my American Express statement from XX/XX/XXXX with my XX/XX/XXXX statement. On my XXXX statement it shows that my APR on purchases made between XX/XX/XXXX and XX/XX/XXXX is 20.49 %. On my XXXX statement it shows that my APR on purchases made between the same time period of XX/XX/XXXX and XX/XX/XXXX is now 24.74 %. I called the bank and asked how it is legal for them to retroactively increase my interest rate and I spoke to multiple people that could not give me a straight answer. I was only told that I have a variable rate card and that the Fed is raising interest rates, which I understand. They told me to read my customer agreement. Nowhere does it explicitly state that they are allowed to retroactively increase my interest rate for purchases made during a previous time period. I also never received any written notice that they intended to make this change. This is predatory and should be illegal.
Consumer complaint received 2020-05-11
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: Westlake Services, LLC (TN)

I look at my credit weekly due to fraud with someone having same name and DOB as me in same city, now I am seeing a lot of inquires on my credit on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from several companies I have had no contact with nor have any idea who they are and what they be using my ssn number for as I am not needing anything regarding my ssn number. The companies that have illegally used my ssn information is Westlake Service XX/XX/2020, XXXX XX/XX/2020 and XXXX XXXX XX/XX/2020. I would like these illegal inquires removed immediately as well as documentation showing my id and signature allowing use of my ssn. Furthermore I was working on each one of these days 12 hours and we are not allowed phones on my job which is a little more alarming as to how my credit was ran without my consent or me in person.
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

Being charged with overdraft fees even though i transferred funds from savings account to cover the bills that are about to come out of my checking account. It happened twice last year and one time the year before that. And every time I called customer service they stated that the system processed the debited transactions first before the crediteven though I have either deposit cash at the ATM or transfer directly from savings with them myself first. And when they realized that I was correct, they only refunded half of that overdraft fees.
Consumer complaint received 2023-01-21
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. (FL)

I recently received the results of a disputed collections account on my Experian credit report. I disputed that the account being reported by XXXX XXXX XXXX belonged to me and requested an investigation into the validity of the alleged debt. 

Experian has come back and stated that the debt has been validated. However ; when I look at my credit report Experian is reporting inaccurate addresses associated with my account, even after I disputed that these addresses belong to me. XXXX XXXX has never sent me any letters in the mail & if they have they have been sent to an incorrect address. 

Please review the attached documents and let this be a notice that I dispute the validity of the addresses being reported on my credit report. There is no way that XXXX XXXX debt could have been validated, otherwise my correct home address would be listed as my current address with Experian. You are required to ensure that all information on my credit file is accurate. 

From my research XXXX XXXX XXXX XXXX belongs to an Apartment complex community. There is supposed to be an apartment number attached to this address. Paperwork that XXXX XXXX XXXX alleges to have sent could have been sent to any Apartment # in that community. If this address or any of the addresses currently listed on my credit report where used to validate the debt that XXXX XXXX XXXX alleges that I owe ; I demand that this debt be removed from my credit report for inaccurate reporting and for failing to do a proper investigation. 

Please also be advised that I am disputing the accuracy of the XXXX and XXXX addresses on file as well. I request that the addresses that they are reporting do not be used to validate a current or former address/ and or any alleged debts.
Consumer complaint received 2023-01-21
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. (MO)

In XXXX of 2021, my husband and I were forced into illegal eviction. We were 15 days past due. Given the eviction moratorium, we would have more than enough time to make up for the late rent and therefore we challenge eviction, and the charges that we're processed. 

The debt in invalid as the landlord processed an illegal eviction and didnt work with us to process any of the federal assistance programs resulting from the pandemic assistance.
Consumer complaint received 2020-05-11
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: General Motors Financial Company, Inc. (TN)

I look at my credit weekly due to fraud with someone having same name and DOB as me in same city, now I am seeing a lot of inquires on my credit on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from several companies I have had no contact with nor have any idea who they are and what they be using my ssn number for as I am not needing anything regarding my ssn number. The companies that have illegally used my ssn information is 1. XXXX XXXX XX/XX/2020, XXXX XXXX XXXX XX/XX/2020, XXXX XXXX XX/XX/2020, XXXX XXXX XX/XX/2020, XXXX XXXX XX/XX/2020, Americredit XXXX XX/XX/2020, XXXX XXXX XXXX XXXX XXXX XX/XX/2020, XXXX XX/XX/2020 and XXXX XXXX XX/XX/2020. I would like these illegal inquries removed immediately as well as documentation showing my id and signature allowing use of my ssn. Furthermore I was working on each one of these days 12 hours and we are not allowed phones on my job which is a little more alarming as to how my credit was ran without my consent or me in person.
Consumer complaint received 2020-05-11
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. (AR)

Earlier this year after noticing some inaccuracies on my credit report, I decided to reach out the credit bureaus to investigate. After further investigation it became apparent I have become a victim of identity theft. I've since sent in disputes, identity theft reports, and several other documents regarding my claim. It has now been over 90 days, and some of the fraudulent accounts still remain on credit file. XXXX XXXX, XXXX/XXXX, and US Dept Of ED/ XXXX are the accounts I've never had any association or received any goods or services related too. Experian, XXXX, and XXXX has failed to remove these accounts that were the result of identity theft. Under Fair Credit Reporting Act the bureau has 30 days to provide accurate verification which all bureaus has failed to comply with as well as provide a block per section 605b. There also several addresses along with inquiries that were requested to be removed which all still remain on my credit file which is unacceptable and a FCRA violation not to mention each one of the Dept of EDU -XXXX accounts has mismatching or conflicting open dates which is INACCURATE information.
Consumer complaint received 2023-01-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC. (CA)

To whom it may catch their attention, on the end of the month of XXXX I started disputing and allege Account with Santander Consumer USA XXXX And XXXX XXXX XXXX in the city of XXXX CA, I have noticed Several illegal activities on the contract. I addressed this with the dealership and with santander consumer USA. I have asked for verification on the contract of the vehicle, I have also noticed that I am making payment to Santander Consumer USA. on the contract that I signed With XXXX XXXX XXXX Shows My signature. But not Santander Consumer USA. In order for a contract to be valid both parties Signature Needs to be in that contract. to me, this is considered fraud I would like to continue making my payments. as requested by santander, consumer USA. If Santander. Could provide me with a signed invoice I will be happy to pay it. But if Santander Consumer USA. Can not provide me? With that sign invoice I am considering this account as discharge and regarding XXXX XXXX XXXX. The {$5000.00} given for the down payment of the Vehicle which I Was not required to pay. Needs to be returned to the consumer Also, to my knowledge, Santander Consumer USA XXXX TENDER OF PAYMENT. 
If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorse or accommodation party having a right of recourse with respect to the obligation to which the tender relates. If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. If presentment is required with respect to an instrument and the obligor is able and ready to pay on the due date at every place of payment stated in the instrument, the obligor is deemed to have made tender of payment on the due date to the person entitled to enforce the instrument. Also, my understandings are the following.

Obligation to my knowledge the term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank. 
currency, Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps.
Consumer complaint received 2023-01-21
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: DISCOVER BANK (NY)

On XX/XX/XXXX I mistakenly submitted my account number of Discover Card which had not been activated. ( I have two accounts ),. Immediately an email was sent stating, the '' CARD WAS DECLINED BECAUSE IT HAS NOT BEEN ACTIVATED. '' Before I could make an adjustment, Discover Company charged the amount of {$54.00} to my account without my authorization or activation! 
I've made several calls to the company and each representative had a different story as to why the purchase went through despite the card not being activated by me. 
In my effort to get this rectified, I wrote on XX/XX/XXXX stating my dispute. 
XX/XX/XXXX I received an email stating they were not at fault and the {$54.00} would remain on my account. 
While still disputing, XX/XX/XXXX, I paid the amount in full only to avoid late fees or interest fees.