davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-13
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (MN)

On XX/XX/XXXX I received my XXXX 's credit card statement, which was a surprise since I paid the card in full the day I received the XXXX XXXX 's statement. To my surprise, XXXX 's charged me {$2.00} interest on XX/XX/XXXX on a XXXX balance. 

When I called in to them they stated it was for the time between when my statement came out on XX/XX/XXXX, though I was not electronically alerted of my statement until XX/XX/XXXX at which time I paid the balance in full. I had asked for paperless statements so I would get them faster, so there should be no reason I can't get a statement from XXXX the same day they generate the statement. 

I have a few problems with XXXX XXXX and the way they send out statements & charge interest on balances that have been paid in full prior to their due date : 1. They charged me interest on my XX/XX/XXXX statement balance of {$0.00}. Regardless of the fact that on the XX/XX/XXXX statement showing what is due in total in order to pay the account in full by the XXXX due date. 
2. They did not inform me that my statement was available on XX/XX/XXXX until XX/XX/XXXX and then they charged me interest between XX/XX/XXXX-XX/XX/XXXX when I was sent an email that my statement was available. 
3. Additionally, how is it legal to have 4 days pass between when the statement is generated and when a consumer is made aware that it is available and during that time the company charges interest. If that is the way they do it, then my interest should be accruing interest and the consumer would never pay their account in full. Their statements do not come out on the same day, so for me to know which day they would calculate it is not reasonable. 

It feels like XXXX 's does this to see what they can get away with. The interest charged is a small amount, mine was {$2.00}, but more to the point is if you don't question it they will just let you pay it.
Consumer complaint received 2018-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

on XX/XX/XXXX, XXXX XXXX credit card agreed to remove the late payments from XX/XX/XXXX-XX/XX/XXXX. However, im unable to submit a dispute via experian website, claiming i disputed this item in the past. It doesnt matter what was disputed. I can submit a dispute every XXXX days if i wanted to, by law, until incorrect information is removed from my report.
Consumer complaint received 2018-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I placed a call into Kohls credit card customer services on the XX/XX/2018. I called into customer service due to my neighbor brought me a letter from Kohls stating my bill was delinquent. I called into customer service and discovered your company had the wrong address for me. Therefore, this is the reason I never received my bill from Kohls in months. The first representative told me that she understood and could get my address updated. She also stated she could either waive {$50.00} or waive {$110.00} in late fees on the account due to me not receiving my bill. I decided it would be best to have her waive the late fees. However, she said I had to pay the full balance upfront for her to waive the fees. I asked to speak to a supervisor because this was unreasonable because that I never received my bill from your company. I then asked to speak with a supervisor who was beyond disrespectful. 
I spoke with him to see if I could get some type of resolution and go back to making minimum payments how the account is normally set up. In addition, advised him the last representative agreed to waive the fees because I never received my bill. He went on to tell me that he was not waiving my fees even though that is what the first representative told me. I asked him how it is that one person says one thing and another person says another. He made it very clear that he was not waiving any fees. I explained to him that I was just calling trying to get my account rectified being that I was not sent a bill. I recently had a similar issue with another credit card company and not only did they waive the fees but they also did something called a renege to bring my normal minimum payment back in additional update the CBR agencys since I never received my bill. 
I am very confused as to how your company has someone like him working for the company. Its like he already had it set in his mind that he was not trying to understand where I was coming from as a customer. I am very upset as to how I was talked to as a customer. I am writing a complaint and trying to get resolution since when I called customer service I was talked to in a very condescending and disrespectful way.
Consumer complaint received 2018-08-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CITIZENS FINANCIAL GROUP, INC. (TX)

My response to a letter dated XX/XX/2018 from XXXX XXXX XXXX XXXX : XX/XX/2018 FAXED TO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX RI XXXX Re :  Account # XXXX Your letter of XX/XX/2018 indicates my loan is past due. I submitted on or about XXXX  XXXX the appropriate forms to move my monthly debit from my former XXXX checking account to my new XXXX XXXX XXXX account. 

I contacted your office by phone about the time of the referenced letter indicating that neither my old XXXX account nor my new XXXX account had been debited and was told by a not particularly helpful representative that it may take one or two billing cycles to take effect. 

For more than two years I have not missed a payment and have, in fact, paid {$500.00} per month so I am well ahead of the loan payment schedule and can not be past due. 

Please take steps to implement my new XXXX XXXX XXXX account and the monthly debit of {$500.00} against the referenced loan. Also, take steps to remove the negative impact on my credit record as I am effectively NOT in arrears. 

Thank you. Inform me that these actions have been taken so I have a record of the action. 

Regards, XXXX XXXX XXXX, XXXX. 

Cc : Acting Director XXXX XXXX Consumer Financial Protection Bureau
Consumer complaint received 2018-02-13
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: Diversified Consultants, Inc. (GA)

I disputed this debt with Diversified Consultants with no resolution. I sent a certified validation letter on XX/XX/XXXX in regards to this collection in the amount of {$76.00} being reported on my credit report. I respectfully requested a validation in which I have the right to request due to the debt you say I owe under the pursuant to 15 USC 1692g Sec 809 ( b ) of the FDCPA. Diversified Consultants received the certified letter on XX/XX/XXXX and has yet to respond to my request. 
I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. I have no contractual obligation with this company but yet they continue to report to all three credit bureaus in which is unlawful being that they failed to validate the debt. This debt constitutes defamation of character, as negative listing on my credit. I requesting they provide me with evidence that I have any legal obligation to pay or promptly delete all information from my credit file which can not be validated.
Consumer complaint received 2018-08-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (MA)

Have received several phone calls, emails, and USPS letters requesting payment on a Credit Card I don't own and have never heard of. When I requested explanation was never told what the charge was for. The charge came from a collection agency, XXXX XXXX XXXX, who claim they are collecting for a credit card from XXXX XXXX XXXX for a charge of {$410.00} for something called XXXX. Have never heard of any of these entities. Have never had a credit card from XXXX and so never received any bill from them until I got the call from XXXX. Totally baffled about all of this. Only thing I can think of is that someone opened an account in my name. But with my address why didn't I get the notices in the first place? I checked my credit report and this is the only bad mark on my credit. Am understandably very upset about this.I haven't saved all the correspondence but will send the earlier response to a former dunning notice. Sorry don't know how to scan the bill. I did report to the local police who told me to contact you.
Consumer complaint received 2018-08-22
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. (TN)

XX/XX/XXXX AFFIDAVIT FOR FRAUD AND IDENTITY THEFT TO LEGAL DEPARTMENT FOR EQUIFAX Certified Mail # XXXX XXXX XXXX XXXX XXXX REASON- FRAUD ACCOUNTS- PUBLIC RECORD-BANKRUPTCY- XXXX XXXX- XXXX THIS IS THE SIXTH LETTER I AM WRITING EQUIFAX TO DOCUMENT THE FRAUD BEING COMMITTED ON MY CREDIT FILE. I HAVE ASKED EQUIFAX TO VERIFY THE FRAUDULENT BANKRUPTCY AND FRAUDULENT ACCOUNT ON MY CREDIT FILE NAVIENT VIA 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. 
I have documentation since XX/XX/XXXX that I have been removed from XXXX system. But Equifax states that they verified a bankruptcy via XXXX as recently as XX/XX/XXXX. So for almost a year Equifax has intentionally kept an unverified bankruptcy on my account. THIS IS FRAUD AND MUST BE SOME TYPE OF IDENTITY THEFT because this unverified account has not been verified. 
The US BANKRUPTCY COURT states that they do not share information with 3rd parties so your source is FRAUD. 
I HAVE LETTERS FROM XXXX and THE BANKRUPTCY COURT but Equifax just ignores my lawful request and keeps this fraud on my account. 
IF ANY INFORMATION IS REPORTED ON A CREDIT FILE IT MUST MATCH ALL 3 BUREAUS AND THIS BANKRUPTCY HAS BEEN REMOVED BY XXXX BECAUSE IT IS UNVERIFIABLE unless EQUIFAX pays {$33.00} for the full report directly from the bankruptcy. And if done so please give me the employee who you purchased from and the receipt of purchase. 
They also keep this FRAUD account on my file from XXXX. And I have no contract with this company and it has been removed from XXXX and XXXX. 
I am including all my documentation in this correspondence along with Certified mail so I can document EQUFAXS FRAUD FOR LITIGATION if they verify these two account or DELETE IMMEDIATELY. 
YOU HAVE 15 DAYS TO REMOVE THIS FRAUD. MAIL MY FULL UNREDACTED UPDATED CREDIT REPORT AFTER THE INVESTIGATION IS COMPLETE.
Consumer complaint received 2018-02-13
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: WELLS FARGO & COMPANY (MA)

Got a credit report from XXXX  where it say that my identity was used as many others. saw that I have a hard inquiry from XXXX   which I never contacted. I made several complaint for identity theft to the XXXX, MA and XXXX, ME police departments. 
XXXX address : XXXX XXXX XXXX XXXX XXXX NV XXXX, phone number XXXX. The hard inquiry was made XX/XX/2016.
Consumer complaint received 2018-02-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HSBC NORTH AMERICA HOLDINGS INC. (OH)

I tried to log onto HSBC internet banking. I logged in and a message said that I needed to contact them because there is a block on my account and I cant see my info. So I called and an hour later I still hadnt gotten anywhere. They just give me the runaround. Now, Ive currently got an open dispute that Im waiting to be resolved. I couldnt see my information to see if its been resolved.
Consumer complaint received 2018-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: PLANET HOME LENDING, LLC (NJ)

Planet home lending XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ph : XXXX XXXX XXXX my loan no. XXXX loan was transfered to this co ON XX/XX/2018 and modified, i started making payments on time from XXXX onwards but this co has put late 180 days on my all 3 credit bureaus while i never paid them late since, now after multiple reminders and they did agree to their mistake and are still not willing to remove the late that was caused due to their incompetence. 
i want the negative late of XX/XX/2018 to be removed completely. 

XXXX XXXX XXXX XXXX XXXX XXXX, nj XXXX
Consumer complaint received 2018-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Experian REPORTING THE ERROR XXXX XXXX XXXX XXXX Please REMOVE the reported non-compliant claim from the data furnisher of XXXX XXXX XXXX XXXX for account # XXXX, it currently is deficient of compliant reporting, ILLEGALLY MIND YOU! The accuser is reporting illegally, and the item of report MUST be removed due to failure to have legal standing in full accordance of federal reporting regulations. For one, Account # XXXX lacks the minimal federally FCRA REQUIRED redacted truncation for lawful reporting. MATHEMATICALLY each MISSING redacted or OVER REDATED value increases likelihood of a fraudulent reporting by ten-fold ( since each character can potentially represent 0-9 each ), so missing the four requisite truncated characters calculates to 10x10x10x10x10x10x10x10x10x10x10= 110,000 times GREATER ODDS of potential fraud due to possible identity theft or elsewise. TRUNCATION requirements are to ensure account privacy and consumer protection, any deficiency is OBVIOUS grounds for permanent removal and any injuries resultant of the misreporting is equally suitable grounds for civil action and monetary awards. 
ERADICATE this unlawfully reported claim today, even here and NOW, so to RETURN to mandated reporting compliance. Please present DOCUMENT evidence of the PHYSICALLY VERIFIABLE PROOF of CERTIFIED COMPLIANCE, even to the metro 2 format ( a requisite of regulatory reporting standards ).
Consumer complaint received 2018-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: EQUIFAX, INC. (FL)

Equifax has been non-compliant with removing the unverified account Bankruptcy DISMSD/CLSD CHXXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that Bankruptcy DISMSD/CLSD CHXXXX  was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

XX/XX/18 - Received dispute result stating that the information I disputed was found to be accurate, however, information unrelated to your dispute has been updated. I disputed a collection NO KNOWLEDGE, NO CONTRACT, NO SIGNED AGREEMENT. I have NO knowledge of the collection with XXXX XXXX XXXX, XXXX. I have NO contract for the collection with XXXX XXXX XXXX, XXXX. I have NO signed agreement for the collection with XXXX XXXX XXXX, XXXX. Experian did not obtain proper/required information showing that I have a signed agreement, contract or knowledge of debt with XXXX XXXX XXXX, XXXX.
Consumer complaint received 2018-08-22
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 no clue what is going on with Equifax but this is getting ridiculous. 

The following accounts are currently on my credit report as delinquent : 1. XXXX XXXX XXXX 2. XXXX XXXXXXXX XXXX 3. XXXX 4. XXXX Card I have no idea how exactly you are verifying these accounts as mine, however if you do not immediately remove these negative marks then the next letter you receive will be an intent to sue. Due to the circumstances on the incorrect reporting, you are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off. You report that these accounts were closed in 2014 with no proper payment history - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of {$1000.00} per incident. I am requesting that you investigate this matter under the FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. In addition to the investigation, I am going to have to insist that you remove these illegal accounts from my credit report or you should expect an intent to sue in the mail, because I will have to choice but to take legal action. Not to mention that these were all requested to be validated back in 2014 with absolutely ZERO response.
Consumer complaint received 2018-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I contacted XXXX in XX/XX/2018 to make my payment before being reported late to credit bureas. I was given inaccurate information regarding my account and when account could be paid before being reported late. 

I borrowed money from my mother and had her to contact XXXX to pay them in my behalf. The customer service representative gave her my account information without my consent, which is against policy and violated my privacy. I later called to speak with a manager and was told the call would be investigated and I'd receive a call back on the following Minday. I never received a call and they inaccurately reported my account 30 days late with the credit bureau. 

I have called, written letters with no response at all over the last 6 months. This information needs to be corrected as I was not late based on the payment.
Consumer complaint received 2018-09-18
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. (CA)

i have submitted a letter to transunion on XX/XX/2018 regarding the negative items on my credit report and ask them to verify them bearing my signature within the 30 days allowed by law.i haven't received any information concerning this as of XX/XX/2018
Consumer complaint received 2018-08-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

My family and I were on vacation in XXXX XXXX. We decided we wanted to attend a XXXX game that evening. We got on XXXX and texted back and forth with a guy that had tickets for sale. I verified that the tickets were legit and would be sent through XXXX. He assured me they would and that you can't sell fake or used tickets through XXXX. I then asked if he accepted XXXX and he said he preferred XXXX that way everything went through his bank and is documented. I had never used XXXX but it seemed legit since it was on the Bank of America app. I  transferred the money and he told me he was sending the tickets over. Of course, they never came and he blocked my phone calls. I immediately reached out to Bank of America and they said I had to wait until the next day when the funds 'posted ' to my account. Of course, the next day, the scammer had taken the funds from the account I transferred to and closed the account. I am a preferred client at Bank of America and have been a customer for well over 10 years. I am shocked that they  would offer something they don't back on their app without any warnings. I'm also shocked how easily they dismiss me and close my case saying that I 'authorized the transfer ' so there is nothing they can do. I find it hard to believe that if this wasn't fraud, the person would have cleared and closed the account the same day as the transfer. The money went to XXXX XXXX so I would think between those 2 large  institutions, there would be a better system in place to handle these situations without leaving a long time customer out of luck. If they do not make this right, I may consider taking all of my business to a credit union, where it probably should be.