davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AR)

My bill was due on XX/XX/XXXX. I paid my bill on XX/XX/XXXX. I understand I did pay my bill late, however, since there are only 28 days in XXXX I was not 30+ days late by paying on XX/XX/XXXX. This did not stop XXXX XXXX from tagging my credit bureau with a 30 day late derogatory mark though. When I called to try to resolve the issue with them the woman was very rude to me and told me there was nothing they could do. They obviously do not care about people as they claim. This has dropped my score XXXX points from a XXXX to a XXXX. This is the only derogatory mark on my entire credit history and it won't go away for 7 years! I now can't finance a XXXX that I need to have. They also tag on a ton of extra " fees '' to your payment. My XXXX bill was XXXX higher just due to these unknown fees.
Consumer complaint received 2021-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (NJ)

I am writing to dispute a charge of {$560.00} to my Citi Credit card account on XX/XX/2021. The charge is in error because I was overcharged for a car rental. I have paperwork stating that I am to have the car rental from Saturday, XX/XX/2021, XXXX Sunday, XX/XX/202 XXXX and to be charged {$260.00} USD ( confirmation XXXX ). I was charged {$560.00} and for the dates of XX/XX/2021, to XX/XX/2021, which is two additional weeks that was not approved, nor was i even in the country for. This is a {$290.00} overcharge. 

The car rental was in another country XXXX XXXX XXXX XXXX, which unfortunately, I do not speak the native language. I showed my paperwork to the service desk and was under the impression that XXXX would be ethical, and I would not be taken advantage for being a XXXX  and be over charged for my rental. From what I could understood, verbally, I would get a deposit back. I have been trying to get this error fixed as I have contacted XXXX and Citi Credit Card. I have no issue of paying the {$260.00} ( which I have since paid off on my credit card ). 

I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement. 
Enclosed are copies of my XXXX confirmation as well as receipts with the unauthorized return date of XXXX to help supporting my position and experience. Please help me to correct the error on my account. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-04-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Used XXXX for first time with Bank of America. A buyer for an item sent me a cashiers check which I deposited to my account. the bank accepted and deposited it into my account but a day or so later then took the money back from my account. When I called to inquire, They stated that they found out the check was counterfeit. Of course by then I had already transferred money deposited from the cashiers check to someone at the scammers request through XXXX. Amount lost was a whopping {$1300.00}. Now my account is overdrawn and I cant pay my bills. I have had BOA for 25 and trusted them and never had any issues nor been a victim of a scam yet they wont help me get my money back. They promote XXXX on their mobile app but they really shouldnt since they arent backing the fraud and scams with it. Can you please help me???
Consumer complaint received 2021-06-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC. (CA)

As of XX/XX/2021, I was invited to invest in crypto currency by Robinhood and XXXX. Due to the approval of the SEC and the SPIC, my choice to partner with these companies clearly trusting the SEC, SPIC oversight for a fair market. The advertising clear XXXX fees {$3.00}, {$2.00}, {$1.00}, {$.00} and a small % of possible costs. Then Robinhood NO commission 's and XXXX transaction fees. Understanding these points of advertised service is BAIT. Now 6 months of activity has revealed a automated Pyramid scheme, solely relying on multi-departmentalize misinformation advertising campaign with misleading advertising terminology and a real-time vs. Ever-changing predatory algorithm set setting unfair market margins and the automated algorithm that ignores orders made, without excuse and instant buy & sell option that is predatory and like XXXX algorithms giving the user a private varying graph set that is tuned to that user 's investment activity. Termed BAIT & SWITCH automated pyramid scam operated by a broker/dealer falsely listed as a fair inflation market exchange named ROBINHOOD and XXXX. The automated and employee response has been summed up as " don't use it. Or, So do you have screenshot evidence of your concern of unethical or technical problems? '' Both, aren't a excuse. 
As for XXXX has presented similar issues with the same or similar predatory investor algorithms in addition NO order options only the Buy & Sell buttons. Now the price you sell at is NOT firm, it continues to change for minutes and/or an hour after the transaction is final, termed Securities Fraud. Due to one professional attempt to resolve these concerns with Robinhood and noticable automated retaliatory activity when firm orders go ignored more then 40 times in one instance, I have reserved myself and awaiting a SEC enforcement action to be compensated for my claim for monetary damages and emotional destress in addition to avoiding all unnecessary legal fees.
Consumer complaint received 2021-07-01
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. (CA)

Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on the signature date. I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of a dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. ( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or inaction XXXX on your behalf will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself. P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Consumer complaint received 2021-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. U S Dept Of EdXXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. U S Dept Of EdXXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. U S Dept Of EdXXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1XXXXk XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. Us Sm Bus Admin Oda on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2021-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

There is one account on my credit report that is not mine I have not opened used or know of this account I do not know what to do I have tried reaching out to the bureaus and nothing!!! 

XXXX  XXXX XXXX - Account # XXXX Amt {$550.00} Opened XX/XX/201XXXX XXXX
Consumer complaint received 2021-06-30
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. (NV)

According t

o 15 U.S.C 1681 states that CRAs are required to report only accurate credit reports and exercise the consumer 's right to privacy. 15 U.S.C 1681 subsection ( A ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. These consumer reporting agencies are in violation, of which, 15 U.S.C. 1692g ( a ) - Notice of Debt { Within five days after the initial communication with a consumer in connection with the collection of any
debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing }. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.

I contacted them multiple times but I never received any response yet, which violated my rights on 15 U.S.C 1681N and 1681O for their willful and negligent non-compliance.
Consumer complaint received 2022-01-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP (TX)

I recently got this loan with the first payment due at the end of XX/XX/2021. I made the payment timely. I then made an extra payment in early XXXX and enrolled in auto draft for all my subsequent payments due. I received a call on XX/XX/XXXX that my payment for XXXX was late. I told the representative that I was enrolled in auto pay and she said it takes over a month to start working automatically. How so when this is a major bank?? I said I would immediately make the payment online and some extra to get ahead. The online payment option did not work at all. It would not accept my payment and randomly deleted my bank account information only to have it reappear when continually trying to process a payment. I noted that the system was saying I owed double what was due with the XXXX due date ( over {$1400.00} ). I decided to just try and pay that anyway but couldn't even get that to process. I'm literally trying to pay more than is legally due on my contract. 24 hour customer service that is advertised on the website sends my call to a message that says the office is closed tonight. I want to pay my loan and they are making it impossible. I clicked on my account number to get the full number for this report and the website won't even load it now. This has been happening since the 10th and hold times for customer service during the day are over half an hour which I can't wait on because of my job. I'm tech savvy and have tried multiple devices and web browsers with the same result. They are intentionally setting me up for added fees and default. I work in finance and know this is not okay. Please help me pay my bill and make US Bank take the correct amount of money due. I have perfect credit and it better not be affected by this incompetent behavior by a major bank. I couldn't even email the bank in the contact section as it would not submit or enter the drop down selections. See attached images.
Consumer complaint received 2021-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

These are not my accounts they do not belong to me tney are not mine and I will not be responsible for this!!!! 

XXXX  XXXX - Accounts # XXXX XXXX {$1000.00} Opened XX/XX/XXXX XXXX XXXX XXXX  - Account # XXXX XXXX {$0.00} Opened XX/XX/XXXX XXXX XXXX XXXX  - Account # XXXX {$0.00} Opened XX/XX/XXXX INQUIRIES Creditor Name : XXXX XXXX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX  XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry
Consumer complaint received 2019-05-01
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. (CO)

Equifax is reporting incorrectly that I am 90 days past due on XXXX partial account number XXXX. ( Please see pages 11 and 12 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2022-05-03
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. (CA)

I have contacted Equifax about fraudulent inquiries on my report. I contacted them orginally 14 months ago concerning these inquiries. 
I was instructed to file a FTC report which i sucessful completred and forwarded to Equifax. They have refused to removal all the inquiries that were indicated as fraudulent and ones the did remove have returned on my report! 

I have not requested business with the companies conducting the inquiries and have no accounts on my current or previous reports with these companies. 

The following inquiries as you can see or on the FTC report that I filed as fraudlent XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX XX/XX/XXXX XXXX XXXX BANK XXXX XXXX XXXX CAPITAL XXXX XXXX, XXXX, VA XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA The above mentioned inquiries were removed and now have reappeared on my credit report. 


XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX These items are included in the FTC report and was stated to be deleted by Equifax but yet they still remain.
Consumer complaint received 2022-01-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

I first received a call from " XXXX '' on Tuesday XX/XX/2021 at XXXX and XXXX. The number on my phone read Wells FargoXXXX. XXXX told me that someone had hacked my checking account and in order to reverse the charges I needed to follow his directions. He stated his employee ID was XXXX. He then instructed me to first send XXXX via XXXX and then XXXX via a wire transfer to XXXX XXXX XXXX account. XXXX then called me the next day XX/XX/2021 at XXXX saying that he had good news which was they had caught the guy that had taken my money his name was XXXX XXXX and that he was in jail but that he had taken more money out over my savings account-a total of {$22000.00}. He then instructed me to log on to my Wells Fargo account to keep my money safe. I followed his directions and wire transferred two separate payments XXXX and XXXX. XXXX followed up calling the next few days. When I missed his call on XX/XX/2021, I called Wells Fargo and they informed me that he didn't work there. I then followed steps to report a claim with Wells Fargo for the various transfers but no one at Wells is helping and they told me they cant get any of the money back. I have tried calling multiple times and have had difficulty with anyone responding. Given this fraud, I am hoping to use Regulation E of Electronic Transfers Act to get my money back.
Consumer complaint received 2021-06-29
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: I.C. System, Inc. (NC)

I am complaining these accounts that I found really questionable in my credit file. There are a lot of missing information and also I have no transaction with the reporting collection company or agency. This is really getting out of hand and I am trying my best to build a positive credit file. I need your help with these accounts please.
Consumer complaint received 2021-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON ACCOUNTS THAT DONT BELONG TO ME, A CHAPTER XXXX FILING I DID NOT AUTHORIZE AND ACCOUNTS THAT SAY INCLUDED IN CHAPTER .A LETTER OF EXPLANATION IS ENCLOSED.
Consumer complaint received 2021-08-17
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: SECURITY FINANCE CORP (NC)

I did not authorize none of the following inquiries on my credit report and I do not recognize them. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX Professional Finance # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: AMERICAN HONDA FINANCE CORP (IL)

I had a leased vehicle Honda provided a payoff for. I paid the amount to purchase a new car. I received harassing calls and letters threatening repossession of my XXXX XXXX which had been turned in to the dealer months prior. Credit report shows amount owed and have been sent to various collections. When disputed previously Honda denied and provided bogus payment history saying amount owed and repossession never sought. The vehicle I did purchase XX/XX/XXXX claim never addressed. That vehicle was repossessed after payment was never applied that had been sent in. Also car was given to repo man at XXXX when car was in garage and he had gone in to verify. I did not know at the time that was not allowed. He threatened I would need to be in court the next morning if I did not give him the car and it would cost additional thousands in court fees. Also said a key fee of {$500.00} would also be charged. I was getting paid in the next 2 days and was going to make my payments I did not know were over 30 days since a payment had never been properly applied. I was told I could get my car back once I made my payment and called Honda. This has caused extreme hardship and affected my ability to find a job since credit checks are a part. Also has created a hardship in securing housing for the same reason.Had I not been lied to I would have retained my vehicle my good standing credit wise and not had to go through undue hardships otherwise. Honda has profited by unduly doing this and continues to seek payments through collection. 

I have copy of payoff, and payment made. Copy of letters threatening repossession which they denied for XX/XX/XXXX. I also have a copy of check sent in which was not applied that resulted in XX/XX/XXXX being late. Also proof of XX/XX/XXXX car picked up from dealer when transferred to another lot in XX/XX/XXXX despite being threatened in XX/XX/XXXX with repossession and charge off.