davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (CA)

This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company is trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, its not mine.
Consumer complaint received 2020-02-03
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NY)

I opened on XX/XX/XXXX a new HomeDepot credit card with a promotion for 24 months without interest. 
A purchase of total {$6000.00} was made on XX/XX/XXXX with promotion for 24 months without interest. 
Payments made : every month for last two years. 
I discovered that they didn't apply promotion to my card. 

I called the customer service multiple times since the purchase date to make sure that the 24 months no interest promotion is applied to my account and I was assured and confirmed that it is done and applied. 
On XX/XX/XXXX I received a letter stating that the above mentioned promotion was not applied to my account and therefore I have more than 3000 $ debt instead of XXXX $ that is supposed to be. 
I called the credit card company and asked to provide recording for all my conversation with customer service, they refused
Consumer complaint received 2017-04-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (AZ)

Wells Fargo is sc amming clients with available balance discrepancies ( holding money ). Then charging " overdraft protection transfer '' fees.     On  XXXX  I noticed I had a low balance on my checking account that would not be sufficient to cover my pending transactions. I moved everything that was visible to me on  XXXX  in my savings account back into my checking accoun t ( {$4.00} ). Thi s brought my balance up to cover all pending transactions.     That night , Wells Fargo  moved money back out of my checking account and posted it to my savings for " Save as You Go '' transfers for over the weekend transactions. This money was held and was not visible for me to transfer with the {$4.00} on the  XXXX . I was n't aware these save as you go transfers were even pending.     Because they moved  ( posted )  this money late night of the  XXXX  after, this caused my checking account to drop below the amount needed to cover the pending transactions.   Wells Fargo then charged me a fee of {$12.00} to move the money from my savings back into my checking to cover the pending transactions.
So Wells Fargo held transactions from my Savings,    moved the money on the night of the  XXXX  when I already had a low balance in my checking, which caused the balance to fall below what was needed to cover the pending transactions. They then charged a fee to move the money back to my checking that they JUST moved the same night to my savings. If  Wells Fargo wo uld have left the money in my Checking account instead of transferring it to my savings, the balance would have been sufficient to cover the pending transactions and I would not have been   charged an overdraft protection transfer fee.
Wells Fargo s  hould have some sort of " checks and balance '' in their programming that prevents their systems from moving money to savings accounts when the balance in the checking is just sufficient to cover pending transactions.
Consumer complaint received 2017-04-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC. (RI)

I submitted a complaint regarding my account when I was charged over {$1000.00} in overdraft fees in  XXXX  and  XXXX    XXXX   even though I never elected to have overdrafts allowed on my account.     I was refunded {$860.00}. I am seeking the remaining {$230.00} to be refunded. I have retained legal counsel and will move forward if needed.     account number  XXXX .
Consumer complaint received 2017-04-25
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 — Problem with personal statement of dispute
Company: BARCLAYS BANK DELAWARE (TX)

I am a scam and Identity theft victim. In   XXXX   XXXX     two people scammed me, took my credit cards, drivers license and open additional accounts in my name.     I filed reports with the following : Police, FTC, CFPB, The Attorney General and the  XXXX   county DA office.  There are quite a few people who were scammed by  XXXX   XXXX  AKA  XXXX   XXXX   XXXX  and  XXXX   XXXX  AKA  XXXX   XXXX .     There are  six  people that I know who have filed police reports on these  two  and we are all working together toward getting justice.     Now, I have disputed the charges on th e Barclaycard.  THESE CHARGES ARE FRAUDULENT.      XXXX   XXXX   AKA   XXXX   XXXX   XXXX  and  XXXX   XXXX  AKA  XXXX   XXXX  applied for several account and auto loans without my permission. Barclay is one of those account that they opened up without my permission.     Despite numerous attempts to resolve this matter I am still being harassed to pay these fraudulent charges since   XXXX   XXXX   ( 10 months ) I will repeat myself. THESE ARE FRAUDULENT CHARGES. I suggest you take a look at their  XXXX  and see what they have been doing. Plus I am providing some picture from the  XXXX . Note the pictures are dated prior to scamming me, so they have been doing this a long time.     The credit bureaus have removed the accounts. Now I request that  Barclay  remove all fraudulent charges.     I am providing some additional information.     Check out the  XXXX  page. Scroll down all the way down. https :  XXXX  They boast about money and only criminals do this.     I have provided some pictures of the scammer and they bragging.     I just want it all to go away now.     PS : I can provide witnesses and their police report upon request.
Consumer complaint received 2017-04-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

In  XXXX  I had an issue with my taxes. Bank of America (BOA) was informed by me and I was told to keep them informed as I tried to work out the missing money with the city.   XXXX   XXXX   XXXX  , BOA (without notice) paid my taxes that weren't completely due yet and my county taxes that weren't due for like another month or so...then they placed an escrow on my account. This raised my house payment from  XXXX /mo to over  XXXX /mo!!! Needless to say, I couldn't afford that.

I called BOA several times and the people I spoke who advised me to go thru loan modification. Another nightmare. I was denied after about 2 months of paperwork. I was ==>>also told by my contact person not to make any payments until the modification went thru
Consumer complaint received 2018-12-02
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

This title loan was initiated in XXXX due to the death of my spouse 's XXXX XXXX XXXX XXXX XXXX. The veterinarian bill reached {$10000.00} and we have initiated loan assistance three times from Keep Your Home California, and received help twice. The last time was in XX/XX/XXXX due to hardship related to XXXX XXXX related expenses. 
The loan with XXXX, no matter what they have request as payment ( it changes monthly ), we also pay an increased amount of {$800.00}. The average decrease in our loan is barely $ XXXX {$250.00} per month and after paying on an approximately total loan amount of {$9000.00}, our loan still sits at {$7500.00}. 

My wife has a new XXXX XXXX and I have an XXXX XXXX XXXX ; we are both XXXX, XXXX, and I am a 10 % XXXX veteran ( still attempting to get help for XXXX XXXX related XXXX XXXX & XXXX  ). Because of this loan we have almost lost our home twice, have often gone without food so that we could feed our XXXX XXXX and XXXX. Our home is in need of repair and our automobile is a XXXX in need of repairs and new tires. We are at a loss as to how to pursue help to drop the interest on this loan. Thank you.
Consumer complaint received 2022-09-17
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. (NC)

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2017-04-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Progressive Financial Services, Inc. (FL)

XXXX   XXXX ,  XXXX  Consumer Financial Protection Bureau   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX  IA  XXXX  To Whom  It May Concern : Over the last 2-3 ye ars I have had numerous collections accounts appear in my name and social security number on all  XXXX  credit reports fro m 2 differ ent collection agencies,   XXXX   XXXX    ( Original Creditor   XXXX   XXXX ,  XXXX  OK ) and I believe another collection is about to be reported to  XXXX ,   XXXX   and  XXXX  by  Progressive Financial Services ou t of  XXXX  AZ, also representing  XXXX   XXXX  in   XXXX   XXXX   XXXX  OK for I assume, cable services and equipment.     I 've never lived in, been to or know anyone in Oklahoma. The same thing has happened to my son and husband. I literally just had an account with   XXXX   XXXX   (  XXXX   XXXX   XXXX  OK ) deleted from all  XXXX  of my credit files within the last month.     For example, my son just checked his credit monitoring service earlier today and   XXXX   is showing a new collections account  with Progressive Financial Services, orig inal creditor,  XXXX   XXXX  out of   XXXX   XXXX   XXXX  OK. I assume that eventually all  XXXX  credit bureaus will have new collections reported to all  XXXX  bureaus on my credit, my sons credit and my husbands credit. The reason I 'm filing my complaint through CFPB is because I am emotionally exhausted from having to deal with the collection agencies,  XXXX   XXXX  and all  XXXX  bureaus, on an individual basis.     I have spent hours getting all the other collections removed which are a result of identity theft. I 've already warned the original creditor (  XXXX   XXXX   XXXX  OK ) to remove any current or past due accounts in my name and social security number from their systems or I will take legal action. Altogether, since  XXXX , there has bee n 8 collection  accounts reported to all  XXXX  credit bureaus under my name and social security number and all of them have been accounts with the original creditor being  XXXX   XXXX    XXXX   XXXX   XXXX  OK. I live in Florida and have since  XXXX  except for 13 months from  XXXX   XXXX  through  XXXX   XXXX   XXXX  when our family moved to   XXXX   XXXX   to care for my terminally ill father. We moved back to   XXXX   in  XXXX   XXXX   XXXX  and have lived here in  XXXX  since.     Please do something to st op Progressive Financial Services f rom reporting any additional collection accounts to any of the  XXXX  credit bureaus. If  PFS has al ready reported accounts to my credit, they need to remove them as soon as possible. My credit monitoring service doesnt update my credit information until the end of the week so, more tha n likely Progressive Financial Services has already reported new collection accounts on my credit.
Consumer complaint received 2017-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

My  Wife added me to her   XXXX   XXXX   card Issued by   XXXX   XXXX   last month. The card came in 3 weeks ago however I recently pulled my report and I was told that It would show up on report as an Authorized user However it has not. I was wondering if that was going to happen before months end (   XXXX   XXXX  . )
Consumer complaint received 2017-04-25
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (NJ)

Comenity Ba nk,  XXXX   XXXX  credit card continues to be a problem. They do not show an upcoming payment in their website ( account management ), and then with only a few days advance notice, demand a payment which they show as " past due. '' On   XXXX   XXXX   I wrote to them, asking when my next payment would be due and for how much. They responded and said they did n't know. Now, today,   XXXX   XXXX  , I logged into the account and they show the payment as past due and request {$380.00}.     The payments they request are excessively high and beyond the amount that I can pay, both for this card and the  XXXX   XXXX  account ( approximately 10 % of the total balance ). They do not show a payment due, and then only show a payment as past due, charging additional fees and penalties. Using this scheme, I will never be able to pay off the credit card and I can not keep up with these payments.     Please help!
Consumer complaint received 2016-08-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: National Credit Systems,Inc. (AZ)

Hello, My name is XXXX XXXX XXXX and my Fair Credit Report Act rights were violated. On XXXX XXXX, XXXX. I was contacted by National Credit Systems on behave of XXXX XXXX XXXX. The letter was to collect a debt of XXXX. I have no knowledge of a balance with XXXX XXXX XXXX. I moved out XX/XX/XXXX. I was never contacted by the XXXX XXXX XXXX saying a owed them money. So when I got the letter from National Credit Systems a year later, I was shocked and surprise. I then wrote a letter on XXXX XXXX, XXXX. ( See Dispute letter attached ). I wanted them to validated the debt. On XXXX XXXX, XXXX. I received a letter saying they investigated the debt. However, the document they sent me are not sufficient evidence saying I owed this money. Print out with no signature, no hand written date and my lease. Just an electronic print out that could be doctored up to reflect dates they want to reflect. Around XXXX XXXX. I wrote and sent another letter ( trying to locate that letter ). I asked for postmark date mailing to prove that they tried to contact me before placing in collections, asked for move out paperwork with signature, walk through paperwork, payment history. On XXXX XXXX, XXXX, I received mailing stated that I did n't have sufficient evidence to validate my claim. Which was confusing because I 'm not the on making a claim of money owed. The burden of proof is on them to prove they did their due diligence. On both letter, it states national credit systems will revise or delete the information it may have reported on my credit report. On XXXX XXXX, XXXX, I applied for a car loan and was denied mainly for having time since delinquency is too recent, serious delinquency filed and time since collection is too soon. So after being denied for delinquency and collection ( See XXXX Load attachment ). I paid XXXX so I can look at my report. On XXXX XXXX, XXXX a collection was place on my credit report by National credit systems ( see XXXX attachment ). However, my first contact with them was XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I place a dispute with dispute with XX/XX/XXXX and a few hours later National credit system collection was removed. ( see XXXX investigation attachment ). National credit systems put a collection on my credit report before ever validating the debt. Also, the failed to remove the collection while my case was under investigation. I was denied car loan I desperately need, because of these legal act and practices by National Credit systems. My Fair Credit Report Act right were violated, National Credit systems were negligent and careless. My credit profile with my bank put me in a bad light. They did n't report my collection as a dispute. NCS defame my character.
Consumer complaint received 2017-04-24
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: 1st Franklin Financial Corporation (AL)

I took out a loan with   XXXX   XXXX   XXXX   XXXX   Al my due date was Fri   XXXX   XXXX   I got a letter Saturday saying my lawn was bought by another place I have never been to. I have not heard anything from   XXXX   XXXX   I want to know why or how can someone buy my   XXXX   XXXX   and force me to do business somewhere else
Consumer complaint received 2017-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am in the m iddle of repairing my credit and trying to rebuild since bankruptcy in 2016 I can not reach Transunion Once I mail to them its returned because of wrong address As a result I get denied for Transunion is giving out the wrong information to the creditors This is affecting lenders and credit cards that could help build my score Its impossible to reach Transunion either by mail or phone I even tried to get a copy of my credit report and its impossib le
Consumer complaint received 2017-04-24
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. (RI)

I have  XXXX  inquires from   XXXX   XXXX   that were not authorized. I have asked for them to be removed with no luck.     The  XXXX  dates are as follows   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX       XXXX   XXXX   XXXX
Consumer complaint received 2017-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I have a credit card with  Bank of America. TH ey have not cleared my balan ce to 0 y et. I filed fraud for multiple charges last couple months and there is still a balance of  XXXX  dollars plus that is standing on my account and needs to be removed. I already called BOA fraud team and they do n't pick up. I also started the fraud claims investigation process by calling BOA and they said they will remove the remaining charges as they did n't the first time because they thought I did n't lose my card and many charges were chip transactions. However, I did lose my card, hence all those chip transactions also need to be credited back to my account. I was told but BOA they would be about a month ago but still I see nothing.     My card number :  XXXX   Sincerely,   XXXX   XXXX
Consumer complaint received 2018-12-02
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)

This company XXXX/XXXX XXXX is reporting different payment history which FCRA requires all information to be reported must be 100 % accurate. Due to these inconsistencies I demand that this item be removed from my report.
Consumer complaint received 2018-12-02
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Dear BANK OF XXXX : Why does your hard inquiry ( XX/XX/2018 ) appear on my XXXX XXXX credit report ( XXXX )? Aren't you aware that you must abide by the permissible purpose provisions of the Fair Credit Reporting Act? 
Prove to me that the inclusion of this inquiry complies with this federal law, or remove it now. 
Sincerely, XXXX XXXX
Consumer complaint received 2018-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

TransUnion have an address on my report that doesn't belong to me. They refuse to investigate/ and remove the address. XXXX XXXX XXXX XXXX, XXXX TN XXXX. If the agency check with that apartment complex, they will realize an apartment was never in my name. The agency is violating my civil rights. By refusing to provide me my credit report. 

Also I paid off the old utility bill I had with XXXX XXXX XXXX & XXXX, address XXXX XXXX XXXX  XXXX TN XXXX. I have a new account with XXXX XXXX XXXX XXXX XXXX I sent them a copy of my new utility bill. I sent my updated driver 's license, the lease with XXXX XXXX XXXX TN XXXX. I've contacted all three agencies. I'm refused my credit report. I'm deprived of credit as a result. 

I learned in 2018 that someone have created two different Federal Identification numbers on me. Someone is using my personal information as though I have a business.