davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-12-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

I won't tolerate your attempt to dismiss my identity theft claim as an error or a misrepresentation of material fact. WHO ON EARTH GRANTED YOU THE AUTHORITY TO DETERMINE WHAT CONSTITUTES A MATERIAL FACT? YOU'RE NOT A JUDGE, A JURY, OR IN ANY POSITION TO MAKE SUCH JUDGMENTS! YOU HAVE ABSOLUTELY NO RIGHT. 

The Federal Trade Commission ( FTC ) makes it crystal clear that when you receive an FTC identity theft report filed with a law enforcement agency ( which is the FTC itself ), your obligation is to comply with the law. 

XXXX XXXX XXXX XXXX This is your final opportunity to process my identity theft request properly, or I WILL TAKE LEGAL ACTION IN A COURTROOM where you will BE HELD ACCOUNTABLE for the damage caused to my reputation, credit, and the emotional turmoil I've endured due to this matter. Rest assured, the negligence regarding MATERIAL facts will become GLARINGLY EVIDENT, and you will be compensating me for your recklessness. 

Ensure this matter is resolved within the XXXX timeframe stipulated by the law.
Consumer complaint received 2019-08-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (TX)

Well fargo Bank has ended there relationship with me due to security risk and has been harassing me with tons of mail and locking my debit card at least 25 times since Ive been a customer and I havent done anything wrong ... and I was told there are few fraud claims were filed under my name and I told Wells Fargo I never claimed anything fraud and all of my charges are valid ... and they wasted my time and I didnt get any sleep at all and I also missing {$300.00} that was supposed to come into my checking account account ending XXXX  and well fargo blocked it from coming and Im being billed {$300.00} plus a balance transfer fee of {$9.00} from well fargo card services .... I pulled all my money out of Wells Fargo today and Im not longer bank with them every again Im so tired of them calling me and blocking my card and sending me mail Ive been through too much stress I just want them to leave me hell alone,, .... I need my XXXX back or back to my well fargo credit card account
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NJ)

send them emails to verify those accounts but they never did any investigations on those accounts. they didn't verify me with anything or write me any letter with any kind of verification mail. I just checked my credit report and it shows nothing was done by the credit bureau. all my information is still there nothing has changed from the last letter i sent to them.
Consumer complaint received 2023-12-04
Product: Credit 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: BMO Bank, N.A. (CA)

A charge of {$63.00} posted to the credit card on XX/XX/23. It was for a purchase on XXXX XXXX for a car part. The order was cancelled before it was delivered and it was stated on XXXX 's site that a full refund was to be issued, I contacted both XXXX and the 3rd-party vendor several times over a week but no refund was issued. So I filed a billing dispute letter on XX/XX/23 with BMO Bank regarding the problem. BMO confirmed by telephone on XX/XX/23 that they had the dispute letter. However BMO has done nothing since then required by Reg Z such as acknowledging the dispute in writing or issuing a temporary credit.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Collection Bureau of America Ltd. (AZ)

Despite being obligated by law to issue a Form 1099-C to individuals whose debts have been canceled or forgiven, I have not received any such document from your collection agency. This failure to provide proper documentation for the cancellation of debt represents a violation of the Internal Revenue Service ( IRS ) regulations, which mandate the reporting of such events as taxable income.

According to the IRS guidelines, a 1099-C is intended to document and report cancelled debt as income. This information is crucial for individuals to accurately report their income to the IRS, thereby ensuring compliance with federal tax regulations. As income plays a significant role in financial decision-making, it is equally important that this information be reported accurately to credit reporting agencies.

As a consumer, I understand my responsibility to be transparent with my financial information. In line with this, it is imperative that collection agencies fulfill their legal and ethical obligations, which include providing the appropriate documentation for tax reporting purposes. By neglecting to supply the 1099-C, your agency has denied me the ability to reconcile my income accurately and adhere to the required reporting standards.
Consumer complaint received 2023-11-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

n accordance with the Fair Credit Reporting Act the list of accounts below have violated my federal protector consumer rights to privacy and confidentiality under 15 U.S.C. 1681, Section 604A Section 2. I have not provided my written consent to either consumer, nor have I permitted XXXX, Equifax, or XXXX permission to place the below items on their credit reporting platforms. The information is inconsistently reported throughout my credit report which I have highlighted the inaacuracies and want them DELETED off my credit report. Because of the inaccurate information I have been denied credit to purchase a home for me and my family, a car, new credit cards, and any such credit I choose. The Names listed below are inaccurate and addresses reported. 

My Complaint is with XXXX, XXXX and Equifax XXXX XXXX XXXX reporting inaccurate information on my credit report. I have filed complaints with Idenity Theft.gov, I have filed complaints with the XXXX, Each credit Bureau and nothing resolved regarding the negative items reported, no names of the individuals who conducted investigations into items placed on my credit report without my written consent or signature.
Consumer complaint received 2023-08-14
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. (MI)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2020-07-08
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. (TX)

I paid full balance on XX/XX/XXXX from checking account to CITI Diamond secured MasterCard. Opened to build credit. I have no credit cards. 

After paying, I Received all verifications validations money received. Verified money out of checking Acct. tried to use card multiple times. Reply Declined.

Finally contacted institution via phone for 52 minutes on hold and transfers. They have account on hold even though they have taken my funds and they used language payment float to justify reasoning. Said we can call my bank to verify the money they have received that is no longer in my account. Ask where my call was routed to : Answer XXXX. 

Ask for American representation : same go around fraudulent attempt to know my banking account information to reverify the funds they have already received. I cant access my fund during a pandemic unemployed period due to fraudulent practices by CITI Diamond secured MasterCard account. 

Do they use my funds during these 12 days I have no access? Is there any case where it takes 12 days to verify a payment already received and posted?
Consumer complaint received 2023-11-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

On several occasion I have disputed the inaccurate XXXX  XXXX & XXXX bankruptcy listed on my Experian Credit report. I have also, requested Experian to provide me with documentation of how this information was verified and by whom. Experian has yet to provide any information. Most resent dispute was filed on XX/XX/XXXX. XX/XX/XXXXXXXX  I received a updated from Experian stating dispute has been verified by the XXXX and no changes has been made. A letter from the XXXX Court was obtained and submitted with the dispute stating, the XXXX do not report to the Credit Bureau or any consumer report company. Experian has denied and willfully ignored all of my request. This is a direct violation of the FCRA Consumer Rights and reporting.
Consumer complaint received 2023-07-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (CT)

I am writing to file a complaint against Citibank related to a recent issue concerning an Automatic Clearing House ( ACH ) deposit and subsequent account closure. 

On XX/XX/2023, an ACH payment was initiated to be deposited into my Citibank account. Due to the holiday period, the deposit was scheduled to be credited on XX/XX/2023. However, I encountered issues with my account over the weekend of XX/XX/2023, when I was unable to view my account upon logging into Citibank 's online portal. 

Upon contacting Citibank, I was informed that my account was to be closed due to a mobile check deposit I had made while instructing a family member on the process of check deposit. This was a genuine misunderstanding and not intended as a fraudulent activity. 

Despite explaining my situation and the forthcoming ACH deposit to Citibank, I was informed that the account closure would proceed, and my funds, including the yet to be deposited ACH payment, would be returned via a check in the mail within 30 to 60 days. 

Given the significant amount of the deposit and the circumstances leading to the account closure, I believe the process is unfair and distressing. 

I have tried to address this issue through direct communication with Citibank and by attempting to reverse the ACH payment through the payment processor. I have also opened a new account with Citibank to provide a potential alternative for depositing the funds. 

Despite these steps, I am concerned that my funds are stuck in limbo and that I have been put into a situation with a potential 60-day wait for my own money, through no real fault of my own. 

I kindly request your assistance in investigating and resolving this matter.
Consumer complaint received 2024-02-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIRST PORTFOLIO SERVICING INC (PA)

Original creditor sold account, my personal information ( social security number, birth date, address, phone number, and full name ) to another company without my approval or knowledge. I then called original credit to ask questions about account such as was account sold would not answer my question, why was my personal information was sold again didnt answer question, can I receive a original contact and I was told they no longer own the account and have no information that they can give me.
Consumer complaint received 2024-02-09
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NV)

This is for Syrchrony Bank. I made a double payment, XXXX XX/XX/XXXX for {$55.00} and another XXXX XX/XX/XXXX for {$40.00}. My minimum payment which was due XX/XX/XXXX was {$37.00}. I clearly made my payment ( s ) well before the due date but they told me their system doesn't recognise early payments made and charged me a {$41.00} late fee, twice. The minimum payment showed I owed XXXX for the XX/XX/XXXX date around XX/XX/XXXX because I checked it. 
They are going in and changing amounts due at random and this is happening on their Venmo cards and their Paypal cards and it seems they are doing this solely to be able to charge these late fees when, in actuality, the payments are being made early and are not late at all! 
This has happened several times on both those acounts.
Consumer complaint received 2023-07-05
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Early Warning Services, LLC (OH)

the person reached out on XXXX XXXX on XX/XX/2023 to purchase one of my listings. The payment was to take place on XXXX XXXX - this would be to ensure the transaction would have refund insurance/security. - I had never used this service before, and when the payment price of {$770.00} was sent over, " XXXX XXXX  '' reached out and told me that because I had never used this service before, the account needed to be upgraded to a business account. The upgrade verification required the buyer to send {$300.00} additional dollars, which I would have to refund before I would have access to the initial {$770.00}, but would then be granted {$50.00} extra dollars as a compensation benefit for the upgrade. " XXXX XXXX '' then notified me that because my account was not yet verified, both mine and the buyer 's XXXX accounts have been locked- this meant that I had to send the refund via XXXX XXXX Zelle XXXX or XXXX, and then send " XXXX XXXX '' proof of refund for them to review and confirm. once the refund was confirmed, I was told my account would be unlocked. I sent payment through Zelle and sent " XXXX XXXX '' confirmation of the refund. Once this happened, the business replied with a pending review email and then followed up with another email claiming the buyer sent a duplicate {$300.00} payment, and that because of the account being locked, the charge could not be canceled. This meant I now had to send another {$300.00} refund to unlock my account. ( this portion felt very fishy, but given the emails were coming from a XXXX customer support email address, and the links within the emails connected to my XXXX account, along with the branding matching other XXXX emails I received in the past, I followed through with the transaction. ) Once, this transaction took place, and I did not receive a response from " XXXX XXXX '' I knew it was a scam. I reached out to the buyer and they were extremely hostile in their responses, then ended the conversation.
Consumer complaint received 2017-11-02
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. (MD)

XXXX XXXX, XXXX XXXX XXXX has received an letter from myself stating the facts about the fraudulent acts committed by the bank on my account and on this day my signature has been rescinded from the original application, permitted by law, due to fraud. XXXX XXXX has refused to address the fraud with a denial or admission. Silence is acquiescence and the account is null and void. An un-rebutted affidavit was submitted on XXXX XXXX, XXXX revoking my signature from the account making it null and void. Again the bank has remain silent about addressing the fraud. By continuing to report this account with proof of the fraud by my un-rebutted affidavit XXXX my sworn testimony ), the reporting agency is in violation of the Fair Credit Reporting Act. Attached is my affidavit from XXXX XXXX, XXXX.
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This DISPUTE LETTER is being submitted in light of the recent Overhaul of Consumer Records by the Credit Bureaus. I have recently paid for a copy of my credit reports, and reviewed my credit file, as is being reported with you, and noticed there are several inaccurate accounts and/or items on my report. The below listed accounts were not opened by me, and that I did not profit from these accounts having been opened. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

It is also my request by virtue of the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ) that documentation showing evidence of a properly opened investigation of the below disputed accounts be forwarded to me along with any and all responding letters or documents of these alleged creditors. Failure to provide to me these documents along with certified proof of contractual agreements between myself and all of the below listed alleged creditors shall constitute admittance that this consumer reporting agency is reporting inaccurate and unverifiable consumer information and shall be removed and deleted immediately to comply with the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ) legislation.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, do not belong to me in part or in whole. Let it also be noted that I did not give my authorization for anyone else to open these accounts. 

They are being listed as follows : - [ x ] XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX - [ x ] XXXX XXXX XXXX Opened XX/XX/XXXX
Consumer complaint received 2023-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (NV)

I have Banana Republisc credit card. This card was with XXXX XXXX and in year XXXX they moved to BARCLAYS BANK. Due to this my auto payment set up failed for payments. I raised multiple requests to customer care to fix my account. It took 2-3 months to fix my account ( XX/XX/XXXX to XX/XX/XXXX ). They removed all the corresponding penalty fee related to late payment charges on my account but did nto remove late payment removed from the credit report. I requested through mail/ phone call but they are not able help me on this. 
The late payments on my account was due to their system problem but not my ability to pay the payments ( It was a {$30.00} charge total {$60.00} ). I request you to look into this and help me to remove the late payment in my account history. 

Thanks, XXXX
Consumer complaint received 2023-07-06
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)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 XXXX XXXX