davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (WA)

I opened a secured card with Citibank with a {$200.00} deposit ( therefore, a {$200.00} limit. ) I set up auto-pay in their app to pay the full balance on the first of every month. For XXXX bill ( due XX/XX/XXXX ) I paid a custom amount of {$75.00}, other than that, I have had it set for pay full balance. 

XX/XX/XXXX both Citibank and XXXX ( my checking/savings account ) notified me that my payment had posted. 

XX/XX/XXXX I go to use the card on my lunch break, card is declined. I check online, says I have a balance of XXXX dollars but also a credit limit of XXXX dollars. Again, it is a secured card, so with no balance I should have my full credit limit of {$200.00} which is MY money, Im just letting them hold it. I reach out to a rep, but get a bot. The bot is not helpful but assured me that a live rep will be there shortly. I need to go back to work, so I detail a message to the rep, Hello, I am curious as to why I have a balance of XXXX and yet a limit of XXXX on a secured card. The payment posted at XXXX XXXX and it is XXXX on XXXX, I would like this resolved immediately OR I would like the account closed and my deposit refunded into my checking account immediately. These are our only two options moving forward. 

XXXX No response, no resolution. 

XXXX No response, no resolution, so I reach out again. After going a few rounds with the bot, I reach XXXX. She informs me that my payment was suspicious so they froze my account and it will be unfrozen on XX/XX/XXXX. I tell her that this is unacceptable, that the payment is from the checking account used to set up the CC account and it is the same account that every auto-payment has come from. I am told the payment was too high so it was suspicious, and again, all I did was click the option ON THEIR APP that allows one to pay the full balance. I tell XXXX that it appears that they are punishing me for paying the full balance and want me to accrue interest, and that I consider them withholding my own money from me to be theft. I then said it appears my only option is to close the account and to receive my deposit ASAP. She says she understands, but I wont get the deposit until XX/XX/XXXX as well. I closed the account but I am furious. I opened this account to rebuild my credit after Covid destroyed me financially, and now I have no credit card and I am out {$200.00} because I have zero faith they will actually pay it back after reading countless complaints and horror stories from other consumers who were ripped off by Citibank.
Consumer complaint received 2019-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I spoke with XXXX in XXXX and XX/XX/ 2018 about removing the 30 day late. After a conversation with the woman she agreed to remove the 30 day late. I noticed in XXXX this still was not removed and reached out to XXXX. they said they had assured me it was removed and to wait for the credit buruea department to update. Following up in XXXX I wrote a letter to have the said item removed. I just received a response stating that the item is accurate despite numerous conversations with them stating they had it removed from the credit bureau. Please help!
Consumer complaint received 2018-12-30
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (OK)

I have disputed this debt with ability recovery services, they have yet sent ant validation as required by 809. Validation of debts b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a )  unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. 
I would like also to address that Ability Recovery services is in violation of Oklahoma laws as well, Oklahoma laws requires that a business such as collection company must register with the : Oklahoma Secretary Of States and/or have a registered agent - in which Ability recovery service has not and does not, Ability Recovery service can only collect, and do business in the State of Pennsylvania, IF Ability Recovery services would like I will bring these issue up in small claims court, I would not like to file in court but they are forcing me to, so to make clear if filing in court is my last option then I will, at this time cause I have dispute with out response several times I know can file in court the same as I have done against Account Resolution Services, please find there court case attached. I will Give Ability Recovery Services Until, XX/XX/XXXX to remove there trade line name before I file, but once I file I will let court make there decision, with no settlement option.
Consumer complaint received 2018-12-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

XXXX contacted me and told me that USAA forced them to pay XXXX to them in a fraud dispute that I made for never receiving a package. XXXX contacted the seller 3 times asking them to send me my package or issue a refund. XXXX never issued a refund knowing that I never received the package. My bank However USAA canceled the dispute saying I didnt have a fraud dispute because it was a knowing authorization. So why did USAA fraudulently collect money from XXXX anayway? This stopped me from getting a refund from XXXX and the bank knowingly stole my refund and then cancelled the dispute.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-09-17
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2022, I sent out a 609 letter to all three bureaus addressing accounts that I saw a sufficient amount of errors asking them to validate and correct all errors. On XX/XX/2022, I sent out XXXX demand to comply letters, asking them to comply with their rules, seeing that I had not heard back from non of the bureaus. It is now XX/XX/2022, I'm yet to hear back with any results. I have exhausted all my options and according to what I read on the laws pertaining to this situation, lodging a complaint with your department seems like my only option if I decide I want to go to court.
Consumer complaint received 2021-07-20
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

Mazda Financial Services has violated my Consumer rights pursuant Title 15 USC 1692g. 
Mazda Financial Services can not extend credit to a Consumer natural person.. 

Mazda Financial Services has a unverified and alleged debt against the original creditor XXXX XXXX to which my credit is unlimited.. 
Mazda Financial Services has no written contract from the original creditor validating any such alleged debt for the consumer natural person.. 
Mazda Financial Services has violated Title 15 USC 1635 by not providing the original creditor the proper forms and documents pertaining to my right of rescission to all credit transactions..
Consumer complaint received 2019-01-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (FL)

This store credit card was opened XX/XX/16 while I was a XXXX XXXX XXXX and I used it to do some car repairs. The balance owed is more than I ever agreed to and I dont agree all the charges are mine. I disputed this with the creditor and the debt collector multiple times but havent been helped and now their threatening me in court without verifying everything.
Consumer complaint received 2019-03-21
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. (NC)

I have sent letter after letters since XX/XX/XXXX of last 2018 to remove bankruptcy 's from credit profile to experian and they refuse time and time again, i have sent reports from XXXX XXXX stating no bankruptcy records are on my file, and letter from the clerk of federal court stating they dont verify to any 3rd parties or to credit bureaus any information on bankruptcy 's and also a letter from pacer stating the same. XXXX   along with XXXX does not show any bankruptcy or account involving bankruptcy. As of today they refused to remove and or speak with me on this matter. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove information from the consumer credit file. They are suppose to have only 15 days to do this they have had over 7 months to remove and have not.
Consumer complaint received 2021-07-20
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: WELLS FARGO & COMPANY (AZ)

Wells Fargo is refusing to settle the amounts on my credit cards presented to them that I did not authorize or know the party, merchant or property involved, but my creditcard has been used without knowledge for these expected fees. I have presented the amounts in person to various Wells Fargo banks and nothing is ever resolved. They continue to defraud me when I ask any questions and why they refuse to answer Wells Fargo phone lines. They assign new case numbers to unknown individuals who do not respond. They fabricate continual XXXX  and continually ask for your documents that a XXXX XXXX  should obtain for a minimum of seven years. 

They are unable to provided any history on your individual opening branch account. 
They falsify when your account was opened. I have the documents to prove the history Why don't they provide those documents? They have received those documents and why don't they respond accordingly when you continually ask why nothing has been accomplished to attempt to resolve? 
I have the names of these unknowns on Wells Fargo letter heads that are incompetent of resolving. I have the calling cards of people who could never help resolve any issues. Some have been fired. 
It is very obvious that their executive office continues to defraud the public. This is public abuse and abandoment and fraud. They have found financial errors they made cheating me out of my hard earned money and can not answer any questions as to why. The local Well 's Fargo branches will write down your questions and those specific questions are never answered. Why has my bank acounts been purged? The 7 years of History has been destroyed. Where have they gone? These claims are on currently held required by law. 

The CFPB needs to investigate these people and the banks that have done this to me. 
I have the documents to be to provide as evidence.
Consumer complaint received 2021-10-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO. (CA)

The company said that if I paid {$2700.00} that it would close the debt of {$18000.00} as paid in full and report to the credit bureaus that it would be paid in full ( {$0.00} balance ). 

They lied. When I checked my credit report, they subtracted the {$2700.00} as payment, however they did not XXXX XXXX the balance and they still claim this balance as past due. 

They also said they would send me a letter to confirm this. I gave them my new address several times. When I last talked with them, they still had the incorrect address, then the representative passed me onto to someone who hung up on me. 

I paid this debt in good faith based on Chase 's offer and Chase bank lied to get my money and did not live up to their promise. 

I am homeless in need housing and this balance still shows as bad debt/collection with a past due balance instead of a {$0.00} balance .Now I am screwed out of my money!
Consumer complaint received 2022-10-22
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: EQUIFAX, INC. (TN)

I had found a FTC report more than 60 days ago addressing not only unauthorized inquiries but also increase made from me being a victim of identity theft and I was trying to obtain Credit in my name there are 11 hard inquiries that are not reporting 100 % accurately because I never gave my written consent under Section 609 it says I'm entitled to All Sorts documentation including contractual agreements with my signature to prove that it was in fact me who applied for this credit which has yet to be provided to me in the past 90 days while I've been trying to handle this and I've done it by the book between fgc reports and riding letters listing the law violations along with only asking what the law provides by them sending me contractual agreements to prove that it was me who tried to obtain credit none of this has been provided to me and it violates the fcra and I would like these inquiries deleted because they should not be on my credit report without my authorization for others to look in to my credit also violates permissible purposes since I've never said that this was okay
Consumer complaint received 2021-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

This complaint was made because you are reporting inaccurate and incomplete information on my Credit Report. I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following account and remove late payments or account. You are reported totally different or missing information on my XXXX XXXX XXXX account.
Consumer complaint received 2019-01-02
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: TOYOTA MOTOR CREDIT CORPORATION (TX)

On XX/XX/2018, I sent a letter to dispute the late payments shown on my credit report which they signed for on XX/XX/2018. I DID NOT receive a response within 30 days as required by law. They also DID NOT mark the account as disputed within 30 days as required by law. They have not followed the FCRA and the negative remarks need to be deleted.
Consumer complaint received 2021-06-10
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

The reporting of this alleged debt violates 15 usc 1692. I requested for this debt to be validated in writing after noticing that this alleged debt was being reported to the credit agencies. I never received a written notice of right to dispute from the creditor which violates 15 usc 809 ( a ). Then after requesting the alleged debt to be validated ( not the contract ) I never received notice of the validation after the investigation by the creditor which violates 15 usc 809 ( b ). Instead of validating the alleged debt the creditor continued to collect on this debt which violates 15 usc 809 ( b ). The fact that my request to validate an alleged debt was ignored by the creditor is a violation of 15 usc 809 ( b ). This violates 15 usc 1692j, 15 usc 1605, and 15 usc 1. The handling of this alleged debt violates the FCRA, FDCPA, and causes defamation of character. This account and all info related to this alleged debt should be removed as soon as possible for all credit reports before I report this case of fraud to the FTC and CFPB. This alleged debt can not be validated by anyone other than myself and this is not my debt
Consumer complaint received 2018-12-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: NAVY FEDERAL CREDIT UNION (CO)

Over the last few months I have been receiving excessive fees for insufficient funds. A few days ago a received a total of {$200.00} worth of fees on transactions that were {$0.00}, {$1.00}, {$0.00}, {$9.00}, etc. I have a problem on how they prioritize what they process first and what they decline. All these fees were charged to my account a day before my direct deposit was supposed to go through. When I called about getting some of the fees waived. I was told since as a courtesy I received {$170.00} worth of fees credit back to my account this year they cant help me, but they havent taken to account the hundreds of dollars they have also taken away.
Consumer complaint received 2022-02-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION XXXX MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.
Consumer complaint received 2021-07-20
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: LANIER COLLECTIONS AGENCY AND SERVICES INC (GA)

Im writing this letter to dispute the following accounts : This agency is in violation of 15 U.S.C. 1682 ( g ). They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debit. I do not validate this debt. Therefore, the following accounts must be deleted from my report.

Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violations of 15 U.S.C. 1692 ( g )
Consumer complaint received 2018-12-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (FL)

Im having issues with XXXX  because they did not report my dispute correctly/timely for a charge I did not authorize. I was contacted last week by XXXX who advised the account is in dispute with MasterCard. I said a payment is about to be due and I wasnt trying to have collection calls over this one charge and finance charges. She confirmed I would not be receiving collection calls. 

I have received the following excessive calls from their collections department which is against the Fair Debt Collections Practices Act : XX/XX/XXXX @ XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX @ XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  XX/XX/XXXX @ XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  Text message from XXXX sent and received at XXXX XXXX today XX/XX/XXXX as well as a call at XXXX XXXX. 

The calls are harassing and the account is not even supposed to be showing delinquent.
Consumer complaint received 2018-12-29
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. (HI)

I have two hard inquires on my credit report with XXXX and Experian for credit cards or some other type of applications signed with my name in which I never applied for. 
The first one is with a used car company called XXXX XXXX XXXX in XXXX. HI XXXX ) XXXX, XXXX reported on XX/XX/2017. 
They would not work with me to investigate this hard inquiry. 
The second hard inquiry is with XXXX out of XXXX. GA ( XXXX. 
They issue gas cards for XXXX gas station that I never applied for and was reported on my credit report on XX/XX/2017. 
I have contacted everyone and still nothing has been removed even after writing letters and copies of my identification with my picture and signatures. 
I just like these 2 hard inquires of of my report since the rest of the inquiries are mine. 
None of these businesses or credit bureaus are willing to remove these two hard inquires that are not mine. 
Trying to build credit and I do not apply for credit unless I am trying to get a bank loan.
Consumer complaint received 2023-06-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

XXXX XXXX XXXX  shared/sold my information to Resurgent.com and now this company have been violating and harassing me and also destroying my financial ability to obtain fair credit use. I ask this company to send me proper documentation with my signature consent so they can have my name and share it which neither company has done. They both have violated my privacy and shared my information to XXXX, XXXX and other sis h financial institutions that I have not consented to.