davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-05
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: ALLY FINANCIAL INC. (FL)

Due to the fact that I am a victim of identity theft, I contacted the XXXX  credit bureau in writing on or about XX/XX/XXXX and I asked XXXX to ask Ally Financial ( credit reporting company ) to promptly delete their unauthorized inquiry ( date : XX/XX/XXXX ) from my credit file. Unfortunately, and as of this present date, XXXX  has recently reported that the unauthorized inquiry that is associated with Ally Financial is still currently reporting on my XXXX   credit file. ***RECORDS ARE AVAILABLE UPON REQUEST. ***
Consumer complaint received 2018-08-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PNC Bank N.A. (KY)

PNC is working through XXXX XXXX to collect a debt, they claim amounts to {$610.00}.

I did previously have an account there from XX/XX/XXXX-XX/XX/XXXX.

I have previous statements from that time.

I spoke with local bank tellers multiple times.

The bank did refund some overdraft fees at first.

Then they would not allow me to close the account.

My paypal account was ACH linked, and continued to post ACH withdrawals when there was no money in the account. Resulting in more than {$1100.00} in overdraft fees that year.

The {$610.00} they claim I owe them, was paid in overdraft fees via direct deposit that year, until I eventually switched banks and changed my direct deposit to that account.

I believe the amount I owe is around {$120.00}. I am will to pay this amount, I am not willing to overpay once again in absurd amounts of overdraft fees.
Consumer complaint received 2020-04-07
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: UBS BANK USA (FL)

After doing research and speaking with colleagues, I decided to open an account with UBS Bank USA. I am aware they are a wealth management entity, but they advertise a product called RMA ( Resource Management Account ), with a fee of {$170.00} per year which can be waved in a number of ways. This seems to be their equivalent of bank management, together with investments, if the client so chooses. They do not require a minimum deposit to open. However, it seems the only way to open an account is in person, through one of their Financial Advisors in person. After contacting my local offices, each office was very shady and each office set their own rules, minimum deposits and conditions. One office was finally able to confirm the account fees and how to wave them ( the omitted the direct deposit option, which exists ), but then stated nobody was available to assist me with opening an account. This was the email : " Thank you for your interest in an Resource Management Account. Our primary services are investment management. Banking services are a compliment. The annual RMA account fee is {$170.00}. Waivers are provided to those who keep a balance of XXXX XXXX, make a deposit of {$250000.00}, or have the Infinite Visa card ( {$490.00} annual fee ). 

Please let me know if you have any additional questions. '' It seems this bank employs shady tactics similar how car dealers operate, and each branch seems to be acting in their own arbitrary way.
Consumer complaint received 2018-01-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (IL)

I.c. system has a collection on my credit report for an account with XXXX I have never had. Through a BBB complaint I requested debt verification and they sent me an identity theft packet. No debt verification. I have been in contact with XXXX who has no idea what I 'm talking about. Today I received another letter from them regarding and XXXX XXXX XXXX Account I also never had I called XXXX XXXX XXXX and I 'm not in there system as well. I want this company to leave Me alone also they placed information on my credit report for XXXX and I never received anything stating they were going to do that which is in violation of the law. I 'm not doing anything with these ghost accounts until it is proven they are mine in which they are not until it can be proven otherwise which it will not be.
Consumer complaint received 2017-10-26
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. (WA)

XXXX XXXX XXXX reports multiple account numbers for the same account, some say XXXX balance & XXXX owed but account is over 120 days past due, another reports the balance has been charged off. Multiple calls to company. After I call to dispute, XXXX sends account to a different collection agency, and we begin the process over. It 's been since XXXX 2015 account is paid and closed at consumers request
Consumer complaint received 2020-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (NJ)

The due date on my Citi credit card is the 1st of every month and the reporting day is the 5th of every month. As previously established and carried out. 

I paid the balance of {$210.00} in full on the 4th and on the 5th Citi cards notified the credit bureaus that I have a full and OVER THE LIMIT balance of {$210.00}!!! This dropped my credit score During this pandemic it is extremely important to have correct information reporting. This balance needs to be corrected and updated immediately. 

I already reached out to them and they are not being proactive with assisting me with the false claim as they are required to BY LAW.
Consumer complaint received 2018-05-17
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

On XX/XX/2018, I submitted a complaint on Equifax to remove specific accounts that do not belong to me. I submitted a police report and FTC report and a letter disputing these fraudulent accounts. In a response from Equifax, dated XX/XX/2018, I was told the " disputed accounts XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX and XXXXXXXX XXXX XXXX are currently not reporting on the Equifax credit file. The additional disputed items are currently not reporting on the Equifax credit file. '' However, I reviewed my credit profile and the accounts remain on my credit profile. I called Equifax to figure what the issue is and was told these accounts are now verified. I asked to speak with someone who monitors their CFPB responses but was told this department does not exist. I was transferred to the fraud department to report these same accounts. The person explained the accounts were again verified electronically by the furnishers. I recorded the conversation concerning the way disputes are conducted in which I was told the investigation were conducted electronically. Furthermore, it was explained that unless the company returns a request for deletion, the account will remain on my credit report. A complete investigation is suppose to be conducted and in my case as well as all others subjected to Equifax method of verifying accounts is not happening. This is just unacceptable!! Unfortunately, the file is to large to place on the complaint However I will condense for an additional complaint if one is needed. Furthermore it is unacceptable that a response from Equifax to the me and the bureau which governs their methods, would be fabricated. These accounts are still on my credit profile, please remove immediately.
Consumer complaint received 2018-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

my name is XXXX XXXX, I had a credit card with XXXX XXXX XXXX   XXXX XXXX, while in contact with the collector, I received a Summons My complaint is because the process has been very abusive and misleading and almost fraudulant, I wasnt very experience of what to do when received the legal documents, so Capital one doesnt is not trusfull. 
TODAY I RECEIVED A DEPOSITION SOBPOENA ( date issu XX/XX/XXXX ), I also received a Notice of taking deposition records only, I also received notice of consumer of privacy rights for date XX/XX/XXXX for production of business records the envelop has a stamp of XX/XX/XXXX and I received the documents on Saturday XX/XX/XXXX.

Capital one alreary have a Judgement for a credit card I owned then, but when I tried calling them to make payment the lawyer wont call me back ... Now is this legal so like I mention Capital one has a  judment and wont make payment aragenments and now what to take a deposition not for Capital one but for XXXX XXXX XXXX, for the record I have alegations agaist XXXX XXXX XXXX and for the record I have in the past been agrevated by multiple entities including dafamation of character or I believe a stragety used in the past that I am XXXX to doght my entity I feel Capital one is one of them in how in the past reports to the credit berourow including reporting multiple time for the same item. and as I mention XXXX XXXX XXXX wrongfully denied my mortgage loan for any financial assistance after been a victim of a federal crime ( bank robbery that happened at work )
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 
I demand the late payment reported in XXXX  days to be removed. 
They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 
15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 
This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports
Consumer complaint received 2024-10-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CO)

The account with XXXX  XXXX XXXX was previously removed from my report as i reported it as fraudulent account. It was removed last XXXX, but was reinserted as per checking. Again, this account is a fraudulent account. Experian is violating my right per FCRA. Please remove this as soon as possible. 

XXXX  XXXX XXXX account # XXXX date opened XX/XX/year> 2018
Consumer complaint received 2018-01-20
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. (OH)

I 've completed a dispute on Equifax 's website and their website tells me the system accepted my message. However, I never get an email or postal mail in regard to the dispute filed. Thier technology is like dealing with a VCR that ate my tape. It 's old outdated and I hope legislation steps in to change this company and the industry. These companies are not set up for the consumer. They are set up to help keep the banks and finance companies in business.
Consumer complaint received 2018-01-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (IN)

As of today I have discovered an email from Coinbase stating that they have restored "full functionality" to my account. While this is partially true, it is old news and does not come close to fixing this issues I've been having for almost a month. The Coinbase Exchange has failed to respond in a timely manner to assist with the overall issue I have been experiencing as far as reinstating my ACH Bank Accounts so that way I can buy larger amounts, sell and return money back into my bank accounts. I'm not very happy with the timing or the way this case has been handled since it all began; all I just want to do is have my Bank Accounts reinstated, but in order for that to happen, Coinbase Support has to reinstate them for me.
Consumer complaint received 2018-10-09
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. (MO)

XX/XX/2018 I've repeatedly told Citi Bank that I was a victim of identity theft, I've sent them all the required documentation including a police report, FTC report and Affidavit and declaration of unauthorized use. They are violating my rights according to the FCRA, they should be blocking this account from reflecting on my credit report. This is affecting my job, and other aspects of my life.
Consumer complaint received 2018-10-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (MO)

I am a XXXX, XXXX  XXXX Veteran with very limited income, trying my best to get my life back in order. Please help! 
I was XXXX  in the Missouri department of XXXX continuously from XX/XX/XXXX through XX/XX/XXXX as evidenced by my enclosed letter of XXXX. While XXXX  my identity was stolen by person or people unknown to me. Between the dates of XX/XX/XXXX and XX/XX/XXXX whoever stole my identity incurred {$8300.00} in debt using my XXXX XXXX XXXX XXXX XXXX XXXX credit card ( see included account statements ). These purchases were purely fraudulent, and I had absolutely no knowledge of them. After I was released from prison in late XXXX, I learned of this debt because of pulling my credit report. I began to receive monthly statements from the XXXX XXXX XXXX XXXX XXXX XXXX and I've included a copy of the last one in XX/XX/XXXX, which states that with their added interest the balance is {$10000.00}. I also receive account statements from a company called TRANSWORLD SYSTEMS INC. ( TSI ) who now apparently ( also ) carry the debt. The last statement I could find from them is from XX/XX/XXXX, and it states that my current balance is {$12000.00} as of that date. I contacted Both of these companies and informed them that the debt was incurred fraudulently and that my identity had been stolen while I was incarcerated. They sent me a list of required documents that I was to put together to dispute the fraudulent debt, including an affidavit of forgery ( included in attachments ) from the local police. After getting everything together I returned my fraud pack to TSI via certified Express mail ( see the enclosed, signed receipt ). They signed for it on XX/XX/XXXX. On XX/XX/XXXX I received a voicemail from a person named XXXX or XXXX, in which she said she was calling for XXXX XXXX ( my name is XXXX XXXX ) and that she was the investigator for my claim. I called her back at XXXX XXXX  the same day and we spoke for four minutes and ten seconds. In our brief conversation, the only thing that she asked me is if I was married when I went to prison ( I was, but filed for divorce, which was finalized XX/XX/XXXX ). She then said that if she had any other questions she would let me know. In approximately a week, I received a 1-page summary of their " investigation. '' They had " determined '' the debt was valid and would continue to grow with interest. To make matters worse they are started taking my tax returns each year and a garnishment from my XXXX XXXX pay because the credit card ( which I got as a young XXXX in XX/XX/XXXX ) can apparently be collected as a federal debt would, through garnishment.
Consumer complaint received 2018-10-09
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. (FL)

This is a complaint against Equifax, Equifax Internal Department, this complaint I am making specific to a worker in this department that I respect I will not say her name, but I have such bad luck that this lady is the one who answers my phone and tells me some things that are outside the federal law of fair credit. I am a victim of identity theft and to the lady I tell her to dispute the accounts for fraud, which has been done many times, but she does not have the power or work in the senate or in the court where laws are made to tell me that she does not intend to dispute anything else, it is more she tells me those accounts are her own belongs to her because there are evidences that are mine, I want to say something, when one is robbed of the identity the person who does it does so perfect that everything indicates that it is your account, I know that that to you. It does not matter to you because it is not your problem but it is mine and very important, because you have no idea what I suffer from this situation, so I ask prudently, but you will not intimidate me by telling me that and I will not be forced just because you say that I have to accept these accounts that do not belong to me. If I have to dispute 100 times, I will, if I have to go with a claim to Equifax I will. 

Below are the accounts that I will dispute ; I will also upload the letters, the FTC report and my documents. 

1- XXXX XXXX # XXXX  2-XXXX XXXX # XXXX  3-XXXX XXXX # XXXX  4-XXXX XXXX XXXX # XXXX 5- XXXX XXXX XXXX # XXXX
Consumer complaint received 2018-03-13
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (TX)

We wanted to pay off our loan in XX/XX/XXXX. In order to do so, we needed to have a payoff quote. Freedom mortgage charged us {$30.00} to get the payoff quote. Our loan was transferred to Freedom Mortgage in XX/XX/XXXX after our existing company, XXXX, sold our loan to them. To our knowledge, there was no payoff quote fee for XXXX, and therefore being a " new '' customer to Freedom Mortgage, we were asking that the {$30.00} fee be waived since our previous mortgage company did not charge us a fee. After speaking to several Customer Service Specialists, we were finally able to have the fee waived on XX/XX/XXXX. 

However, upon payoff of our loan, we were still charged {$30.00}. We called Freedom Mortgage 's customer service and the customer service rep did see that the fee should have been waived and advised us to write an email to XXXX to get this resolved. There is no way to speak to someone to resolve this by phone -only by email. An email was sent XX/XX/XXXX. 

Freedom Mortgage said it would take up to 30 days to resolve the issue. After the 30 days passed, we called Freedom Mortgage customer service on XX/XX/XXXX. The representative, XXXX ( # XXXX ) told us that she also saw that the fee should be waived but she was told we were denied because Freedom Mortgage can not refund the recording fee. I told her that this was not the recording fee, but rather a fee that Freedom Mortgage charges us just to payoff the loan, even though we were told there were no fees for paying off a loan. 

Since Freedom Mortgage considers this a closed matter, we decided to file a complaint as we feel they were intentionally misleading us and constantly changing their flimsy explanations.
Consumer complaint received 2018-10-09
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Manor Resources, LLC (OK)

I obtained a car title loan from XXXX on XX/XX/XXXX in the amount of {$2400.00}. The loan was for a period of 24 months at 24.88 % interest. I made each and every payment on time with no exceptions. The loan was paid off on XX/XX/XXXX. 

Starting about 10 days after the loan pay-off, I began calling their customer-no-service line at XXXX to inquire about the notarized documents needed to take them off my title as a lien-holder. The first customer-no-service person informed me that they have 17 days to return the title and that I should expect a document about that time ( XX/XX/XXXX ). Indeed, an envelope did arrive in the mail from XXXX. Inside was a copy of my note with a letter stating the loan was paid-in-full. The letter was unsigned and had been printed on a laser printer. The letterhead was so pixilated it was nearly unreadable. I called the customer-no-service line the next day and was told the letter could be taken to my local tag agent to remove the lien. Of course, I could see that was not true. The agent then told me that the letter was a courtesy letter until my actual documents would arrive ... now the 17 days became 17 business days. 

After the 17 business days had expired ( XX/XX/XXXX ) I called again and the customer-no-service agent informed me that they actually had 30 days to get my documents to me. Subsequent calls to customer-no-service I was told the documents had gone in the mail on XX/XX/XXXX. I pointed out that was a Federal holiday ( Columbus Day ) and it would have been impossible for that to be true ... the customer-no-service agent doubled down on that story and offered to provide a tracking number ... which proved to be fake. 

My loan agreement is with Manor Resources , LLC operating their company at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX. The principal owner was XXXX XXXX. They have a one star rating with the BBB in XXXX.