davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I opened both checking and savings accounts with Fifth Third bank. When I tried to close them, transferring the funds to two external banks, I was charged a XXXX dollar fee for transferring the funds to one of them. When I called the bank and asked for an explanation, I was told I was notified of the fee. I had not been. When I asked why I was only charged the fee on one transfer, they told me that was my fault but refused to explain why or how the fees are determined. When I asked to have the rest of the funds transferred, they refused. They, instead, mailed an illegible and crookedly photocopied form. I mailed it and wait for the funds to be delivered via check. 

My parents each opened and then subsequently closed accounts with Fifth Third bank. Upon attempting to close the accounts, they faced more trouble than I have. XXXX XXXX only allows ACH of {$2000.00} per transaction, now, and charges XXXX dollars per transfer. 

When I asked to speak to someone in the bank about " Unfair and Deceptive Practices '' since they refused to send or point me to their schedule of fees, have repeatedly given contradictory answers regarding the process to close the accounts and get our money, etc., I was told they don't have a department to handle that type of complaint but that a manager would call me back. It's now been a week with no call. 

I feel they lie to get new accounts, lie about their fees, and then delay people when they attempt to take their money back and close their accounts. 

Please investigate as I'm sure my parents and I aren't the only victims of repeated {$3.00} fees with no consistent explanation.
Consumer complaint received 2020-05-13
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: Westlake Services, LLC (WA)

I went to look at cars XX/XX/2019, I sat down spoke with the salesman and discussed my option. They appraised my car and ended up pulling credit. Before I allowed them to pull my credit I asked the salesman how many lenders would be obtaining a copy of my credit report he said 2 or 3 it ended up being 6 or 7 the XXXX credit bureaus. He also stated that if I didnt purchase a car the inquires would be removed after 45 days. I also reached out to the lenders directly to get this resolved and they told me to reach out to XXXX directly and when I did they refused to remove it
Consumer complaint received 2020-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: FREEDOM FINANCIAL NETWORK (TX)

I signed up with Freedom Debt Relief back in XX/XX/XXXX, was happy Ill be debt free and theyll help me achieve it and I will better my score afterwards, as of XX/XX/XXXX I have paid a total of {$4400.00} and what i was told as well as what I calculated I have about {$1200.00} to pay off the debt. I never looked at the statements or where the money was going and was mislead about their fees, out of the money I have paid them so far, they have only put {$950.00} towards the debt and they have {$2300.00} for themselves. It is all so misleading and confusing. They have taken my hard earned money. I want all of it back. When I first signed up they said that my credit will get better eventually, but the accounts wont fall off till 7 years. They lied to me and havent even paid off 10 % of my debt. I want my money back. I dont want to do business with them anymore
Consumer complaint received 2021-10-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

My Name is XXXX XXXX. I recently had my house broken into they stole my wife purse along with my mobile phone and other things. The guy XXXX  himself {$500.00} twice I contacted the bank and they refuse to help me in addition Ive been hung up on by representatives.
Consumer complaint received 2021-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

The credit reporting agencies are reporting false and misleading information. They do not have the proof or documentation to prove that the account that they are reporting as late is late. You have violated my rights on many occasions within this incident. I would like the late payments to be removed immediately or litigation will filed in small claims court.
Consumer complaint received 2020-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX
Consumer complaint received 2020-05-13
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: Experian Information Solutions Inc. (AR)

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I Have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$520.00} XXXX XXXX {$350.00} XXXX XXXX {$840.00} XXXX XXXX XXXX XXXX {$670.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX   XXXX {$940.00} XXXX XXXX {$490.00} XXXX XXXX   XXXX {$480.00} XXXX XXXX XXXX {$500.00} XXXX   XXXX {$610.00} XXXX XXXX {$1400.00} XXXX XXXX XXXX {$8500.00} XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX   XXXX {$7800.00} XXXX XXXX XXXX XXXX {$24000.00} CHAPTER XXXX BANKRUPTCY {$0.00}
Consumer complaint received 2020-05-13
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: CITIBANK, N.A. (NC)

In the last month my credit was pulled so that I could get a mortgage to purchase a home. I have been a homeowner since XX/XX/XXXX. Upon this credit pull it was discovered that there is a closed account/charged off account on my credit through CBNA/Citibank/Best Buy. 
Apparently I am an " authorized user '' on this account and it is literally impacting my ability to sell and buy a home. 

1. My credit can not be being affected on a card that I am only an authorized user on.

2. This is being illegally reported to XXXX and XXXX.

3. I do not believe the card owner even added me as a user and I certainly didn't sign anything.

3. I spent from XXXX yesterday, XX/XX/XXXX ON HOLD with Citibank/Best Buy. I never talked to anyone that could help me. I just waited. 
4. The account is under the name of XXXX XXXX XXXX ( my husband though we are legally separated ). He is aware of the situation, confirmed I was not an authorized user, and has tried as well to contact CBNA with no luck.
Consumer complaint received 2022-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (PA)

Good afternoon, My name is XXXX XXXX. I recently booked a rental car ( Rental agreement # XXXX ) and had an issued with a third party company and XXXX XXXX XXXX XXXX. Please review the following listed information and documents. 

On XX/XX/22, I booked a rental vehicle through a third party company called XXXX. I reserved a fXXXX XXXX with XXXX XXXX XXXX The full amount for the rental vehicle is {$740.00}. The XXXX Company required me to deposit an amount of {$520.00} for the initial booking. The remainder of the balance of {$210.00} is due at pick-up. I used my chase business card ending in the last 4 digit # XXXX for this transaction. 
On XX/XX/22, Ive arrived at XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. I spoked to the receptionist and they explained me that they did not have a fXXXX XXXX  available but, they do have a XXXX that they can provide it to me without any additional charges. In addition, the receptionist advised me that I should sign up with their XXXX for an additional fee since I will be traveling on the highway and some of the roads have cashless tolls and that would automatically activate their XXXX The total upgrade charge is now {$830.00} instead of {$740.00}. I used my Chase XXXX XXXX Credit Card ending in the last 4 digit # XXXX for this transaction. I did not have the original chase business card ending in the last 4 digit # XXXX in my possession. 
On XX/XX/22, I returned the rental vehicle. I then received an invoice through my email and noticed that they charged me {$830.00} on my personal Chase XXXX Credit card ending in the last 4 digit # XXXX. The amount that I was supposed to be charged is {$300.00} since I already made an initial deposit of {$520.00} at the initial booking through XXXX. I paid a combined amount of {$1300.00} instead and should have been charged only {$830.00}. 
I did speak to the XXXX XXXX XXXX  representative after I returned my car and she stated that theres a lot of issues with the 3rd party company and I should have booked directly through XXXX XXXX XXXX. She told me to file a grievance. I am owed {$520.00}. I believe that there was a communication error with XXXX XXXX XXXX and XXXX Company or that I used two separate credit cards that may made some confusion. 

Ive attached all relevant documents in this letter. Please review this letter and all documents that are attached to it. Call me if you need me to explain any more details. My cell phone number is ( XXXX ) XXXX and my email is XXXX. Thank you for your time. 

Best Regards, XXXX XXXX
Consumer complaint received 2020-05-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (FL)

I went to XXXX XXXX from XXXX to XXXX to the XXXX XXXX XXXX program. During that time I was told they the program was accredited and that I would be able be certified. The program never became accertified and I was never able get a job in that field. 

I submitted a Borrowers Defense Claim in XXXX for the XXXX XXXX student loans. It has now been 3 years and the claim is still pending. Because this claim is still pending its affected my credit greatly and its even affected me trying to buy a house. When I called Navient to see my payment options where I was told it would be over {$800.00} a month. There isnt even a chance to consolidate loans for a lower payment due to the ongoing dispute. Due to this dispute, I am not able to move forward or pursue additional resources.
Consumer complaint received 2020-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (MD)

Seems that during the COVID 19 pandemic the credit card company 's are lowering credit limits on top of balances. Account in good standing, never late as a matter of fact have no lates on credit report. Had a XXXX balance on a Discover Card with a XXXX limit. My statememt this month shows me having a XXXX limit. 

This has major impacts on credit scores
Consumer complaint received 2022-06-11
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 XXXX XXXX XXXX account # XXXX, and XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C. 1681 602 A. States I have the right to privacy 15 U.S.C. 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (OH)

Hello, I am concerned about Barclays ' accounting system. 

I had a negative balance on XX/XX/2020 for XXXX cents. Barclays did a " Balance Adjustment '' and debited my account XXXX cents to bring it to a zero balance. I am concerned how much money Barclays is pocketing if this is happening to numerous customers. 

This is not the only time that it happen to me. On XX/XX/2020 I had a negative balance of XXXX cents and again they did a Balance Adjustment and debited my account XXXX cents to get to a XXXX  balance. 

So in two months they put XXXX cents of my money into their pockets. I understand that it is only XXXX cents but I am looking at the big picture in that if they had a large number of customers this can add up to be a large dollar amount. 

It just seems like a SCAM and would like to know where does this money go?
Consumer complaint received 2022-07-31
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, U S DEPT OF EDXXXX, XXXX XXXX  XXXX / XXXX has violated my rights . XXXX Account # XXXX 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
Consumer complaint received 2020-05-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MO)

Payment was sent before my account was switched from XXXX. I set up Freedom Mortgage ( I entered all Freedoms info ) in my bill pay account once I found out it was transferred, but my bank took the payment as if I wanted to pay that day. The payment was made too early and was never applied to my account. My account is now in delinquent status with Freedom Mortgage after multiple attempts of me reaching out. The most recent person Ive spoken to asks for a wire ID number which was provided. I've provided everything you've asked for verifying the ACH transfer. I've spoken to rep after rep after rep and keep getting the run-around.
Consumer complaint received 2020-05-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Helvey & Associates, Inc., Warsaw, IN Branch (KY)

I received notice from my Credit Bureau monitoring that a new Collections account was placed on my report on XX/XX/XXXX. Upon investigation I discovered a Helvey and Associates Collection for XXXX XXXX for {$240.00}. I contacted Helvey and Associates on Tuesday, XX/XX/XXXX and was advised that unless I provide a notarized FTC Identity Theft Report and Police Report they would not assist me in removing the debt. 1. My state is currently under stay at home orders due to COVID-19. So Helvey and Associates is requiring me to risk my health by going to both an office store to print the Id Theft Report, get the notary signature and obtain a police report. 2. Notaries cost money. So Helvey and Associates are requiring me to incur cost to resolve a matter of identity theft. 3. I am in the process of working with a mortgage broker to purchase a new home and Helvey & Associates is causing me harm by delaying the process with thier ridiculous request to jump through hoops to resolve a theft of my identity that is clearly represented as such within their own internal records. The analyst I spoke with at Helvey and Associates informed me that the address of the account was in XXXX, OH. I have never lived in Ohio and I have been a customer of XXXX XXXX XXXX for more than 10 years. A simple internal investigation will reveal this information to be true. I should not have to jump through hoops risking my health and incurring costs at my own expense to resolve a {$240.00} theft of my identity. I had more than {$3000.00} worth of fraudulent credit cards and XXXX XXXX accounts opened in my name in XX/XX/XXXX and i was able to resolve all of them without all this needless running around the Helvey and Associates is requiring.
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: Experian Information Solutions Inc. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2022-06-11
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: BARCLAYS BANK DELAWARE (TX)

I hired XXXX XXXX XXXX XXXX because I couldnt catch up my debit so far so good until it came to Barclays XXXX XXXX  from XXXX  they made a settlement offer I approved it and then received a document from a law firm referring to me as the defendant and they may realse a judgment and lein i have never been served or taken to court and have no judgment or lein that I can find any records of the document will falsely incriminate me so they can sue Ive tried to contact centery many times by email and phone and they will not even discuss the subject the phone number the law firm is a automated payment line the document is completely false I have more documents than I can upload let me know if you need more look at lines 6 and 7 and signature page all false And no one will return my calls on this matter
Consumer complaint received 2022-06-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (TX)

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company, XXXX XXXX XXXX. I did not open or authorize the accounts that you report a balance of {$1900.00}. This fraud account was not opened by or used by me. I've never had an obligation to you or the medical companies you represent. Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to any medical physician, office, or affiliate to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me. Still, anything more is only to be revealed with the patients authorization and I have never given permission to any physician. However, please send me written confirmation that I am not responsible for charges on this account and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft and is inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the FairCredit Reporting Act, 15U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. I also have enclosed a copy of the FTC'sNotice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible.
Consumer complaint received 2022-03-11
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: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2020-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Transunion and XXXX  were. Sent documentaion request by XXXX XXXX XXXX -furnisher/ owner of acct # XXXX. On XX/XX/2020 to delete reporting of tradeline. It is XX/XX/XXXX of 2020 and still being ignored by CRA just as their i investigations had not been properly completed. I have documentation sent to CRA 'S by Creditor XXXX.