davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-02
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. (FL)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2023-12-26
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (AK)

I took out a loan in XXXX  for {$8000.00} with XXXX. The original interest rate was somewhere between 8 to 10 %. I was able to make regular minimum payments plus additional funds for the first two years but then the Great Recession hit and like many others I struggled with finances for a couple of years. I believe at that point is when the interest rate increased to a much higher rate of 25 % and I incurred penalties and fees even though there was some accommodation by XXXX and OneMain financial to help during that period. 

In the location where I was, the income was not always steady but I did my best to keep up regular payments in years to follow. At one point I had enough to make a larger {$4000.00} payment against the principal in an effort to reduce amount of interest. When I made that larger payment I also called one main to request that the interest be dropped to the original loan agreement and one main said that they would not do this. I continued making regular payments usually not much above the minimum. 

At one point, about 15 years after the original loan agreement it started to occur to me that I thought I'd payed substantial amount against this original {$8000.00}. Unfortunately I had gone through a number of personal losses and a divorce which left me without a record of payment. I then requested from OneMain financial, on more than one occasion, for a payment history. Each time I was diverted to another agent put on hold and ultimately never able to get the record until just recently in the last month. Upon receiving the payment history I went through and added all of the payments of which total just under {$23000.00}. 

In the downloaded documents section of this complaint I have included screenshot images of the payment history which include my adding up of all total payments on the cover page sent by OneMain, as well as the first page of the payment history, and the last page of the payment history to demonstrate how I documented the statement of account. 
Each page has a highlighted line showing the payments on the page and the total at the bottom. All the totals from each of the 35 pages was then added together to find the total payment amount.
Consumer complaint received 2024-08-23
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. (CA)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

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
Consumer complaint received 2024-03-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WESTERN ALLIANCE BANCORPORATION (HI)

W Alliance Bank escrowed my property tax payments and was responsible for paying the property taxes on my property at XXXX XXXX XXXX, XXXX HI XXXX. 

On XX/XX/2023, I received two delinquent property tax bills from the County of XXXX, with penalties and interest assessed. I immediately paid the bills, plus penalty and interest totaling {$300.00}, to the County of XXXX via check. The same day I called and messaged W Alliance, requesting reimbursement for the fees assessed due to their failure to pay the property tax. I scanned and submitted the real property tax bills and payment receipts to them online as requested.

It has been over four months, and despite multiple calls to W Alliance, they have not reimbursed me.
Consumer complaint received 2024-08-29
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. (CO)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-03-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BMO Bank, N.A. (IL)

i would like to file complain with BMO bank, for holding my refund and not releasing it back to my acct. even when merchant successfully refunded me, this is not the first time i have encountered this with BMO holding my money & not releasing, this particularr refund /transaction was cancelled & refunded on XX/XX/XXXX, according to XXXX XXXX XXXX & everyday i see the amount pending & BMO system keep 's changing the date of the transaction to hold the refund longer .i will attached proof below amount is {$850.00} date of the transaction XXXX XXXX refunded-march XXXX same day & cancelled by XXXX XXXX XXXX XXXX online banking show 's inaccurate date the said transaction and as fallow 's XXXX XXXX amount {$850.00} PENDING XXXX XXXX amount {$850.00} PENDING ( previous date & original transaction was changed to XX/XX/XXXX. ) i will attached proof below note that this incident has been happening with my acct specially when i have a refund not the first time & refund from them ( ( BMO Bank ) take 's forever sometime 's week 's to resolve until we file and escalate the issue & thats the only time that the bank will do something to released the money.
Consumer complaint received 2024-03-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CITIZENS FINANCIAL GROUP, INC. (RI)

Received offer in mail to open new checking and savings accounts at Citizens Bank and follow requirements in order to earn a {$600.00} bonus. I opened both accounts in XXXX of XXXX and was to be paid out on XX/XX/XXXX. I was never paid out and they said it was because I already have an account ( not true, I'm secondary on my mother 's account with them ) and that I don't qualify. The disclosures do not explicitly state this, and say that account had to be within last 6 months and my mother has had hers for over 20 years. They lied and were deceitful. I contacted them and they opened up a complaint and the Office of the chairman contacted me once but I was working so I couldn't answer the phone. I called back within 5 minutes of missing the call and there was no answer. I have left several voicemails and sent emails to follow up and they are ignoring them. This is unacceptable and they owe me {$600.00}. I have attached the offer they mailed me that includes disclosures.
Consumer complaint received 2023-11-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: KEYCORP (WA)

I switched to key bank because my employer used them for our HSA accounts and I wanted all my money in one bank. BIG MISTAKE!!!!

I had turned on the overdraft consent not realizing what it would do. I litterally could not maintain a balance in my account. It wouldn't matter if I overdrew my account XXXX XXXX  or XXXX XXXX  I was charged a fee. 
I was told as long as I deposited money into by account by XXXX XXXX  I would not be charged fees, that was a lie. I deposited thru XXXX XXXX around XXXX XXXX, the same day. The next day I woke up mortified to discover I was overdrawn XXXX XXXX! I attempted to turn off the overdraft consent without any luck. I called customer service crying. They weren't able to provide me a reason for the fees and provided XXXX assistance in turning off the consent. 
I tried for a week and a half to get it turned off. However I was charged XXXX overdraft fees within that time. I was unable to keep up with their insane charges. It seemed like the more money I put in the more fees they charged. I have been charged a total of XXXX fees and have only had my account open for about a month. 
I banked with XXXX XXXX  for several years and never had a single overdraft fee. 
I have spent hours on the phone trying get this resolved with no luck. All they do is tell me the same thing and tell me I have to wait for their special team to call me. Mean while my account continues to be charged fees. 
This bank has terrible customer service and their overdraft fees are excessive!!!!
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (CA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

I recently reviewed my consumer report and I noticed that there was one late payment on my account with XXXX XXXX  that I havent been late for. In addition to that, I have also noticed that several of my consumer rights have been violated in the midst of this late payment being added to my credit report. According to the Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681e ( b ), consumer reporting agencies are responsible for providing maximum accuracy when reporting consumer information, however my consumer report has an inaccuracy that I have attached below. In addition to that late payments are considered transactions due to the late fees that are associated with credit cards & according to 15 U.S. Code 1681a 2 ( A ) ( i ) consumer reports should not include information pertaining to any transactions or experiences between the consumer and the originator of the report. If this is the case, late payments that I am not responsible for should definitely not be reported on my consumer report! I am aware of several other consumer rights that have been violated and I am prepared to settle for civil liability damages that I have suffered as a result of your violations. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I ask that any late payments associated with XXXX XXXX  for the month of XX/XX/year>XXXX  be updated to paid as agreed on time and NOT DELETED so the account can remain active. Thank You! Please see the attached screenshot to view the late payments and inaccuracies that I am disputing. Your cooperation in this matter is crucial to ensure the accuracy of my credit report and to safeguard my rights as a consumer under the FCRA. I appreciate your prompt attention to this dispute and look forward to a resolution in a timely manner.
Consumer complaint received 2024-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (FL)

XXXX stole {$98.00} from my bank account. When I discovered this I contacted XXXX and Citibank. XXXX debited the money on XX/XX/2024. Today is XX/XX/2024. XXXX issued a refund on my account on XX/XX/2024. Citibank has held on to the money for more than XXXX hours. When I called Citibank they were very nasty. The supervisor XXXX from XXXX tried to gaslight me on how Citibank reported the transactions. He tried to tell me that my account was overdrawn by {$120.00} when per the accounting that I am providing via bank transactions that this is not the case. I do not understand why Citibank is not being helpful. They are listing the funds as being pending but they have been pendind for XXXX days. When I do an ach transaction the transaction is instantaneous. But for some reason this refund is not. I am getting upset as I am a XXXX XXXX XXXX XXXX on a fixed income. I feel that Citibank is trying to poverty shame me and not listen to my concerns. They are certainly gaslighting me. I am not less than because Covid. I am not the only person who was affected by the economic impacts of Covid. I may have a job but the time and energy required to resolve this has been too much of a toll. I have been calling Citibank to find out when the funds are going to be released. I am very much against the offshore call centers as I feel people who are economically disadvantaged are not empathetic or sensitive to consumers needs. I for one would love to have a job. Any job.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Kikoff Inc. (CA)

Subject : Request for Immediate Removal of Incorrect Information from Credit Report Due to Identity Theft and FCRA Violation Dear Kikoff Support, I am writing in response to the recent communication regarding Complaint # XXXX. 

I have filed numerous disputes through XXXX, XXXX, and XXXX regarding this account, which has come back verified under the name " XXXX XXXX. '' This is not the legally correct spelling of my name, and I have no knowledge of the account in question. Following my compliant, you manually created a login for an account that I have never authorized or acknowledged. This violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e regarding compliance procedures. 

As a victim of identity theft, I must reiterate that this account should not be reported under my name. The continued verification of this incorrect information is unlawful, and I demand the immediate removal of this account from my credit report. 

Should this issue not be resolved within 15 business days, I will have no choice but to pursue legal action for violations of my consumer rights under the FCRA. 

I appreciate your prompt attention to this matter and expect confirmation that the necessary corrections have been made. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-02
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. (CA)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-02-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP (IN)

On XXXX XXXX I went in to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX to purchase some food and gifts for a XXXX XXXX XXXX birthday party. I used self checkout and the machine malfunctioned and said it did not process my order. So the cashier did an override and processed my payment at her station which resulted in a XXXX cent difference for some reason. I found out later that this particular XXXX had issues with over XXXX card users payments on this particular day. 

I was charged twice for my items. The incorrect charge is XXXX. The correct charge is XXXX. I will attach the original receipt as documentation. 

I went in to this XXXX 5 times to try to get their customer service to correct their error. They kept telling me it was pending and hadn't processed yet and would take care of itself. It never did. It still shows both charges on my debit card even today months later. I do not go to XXXX everyday. And even if I did it would be very difficult to get the exact amount minus a XXXX. 

I have fought with Keybank for months ( called customer service 3 times, emailed with receipts and paperwork from XXXX showing the first transaction as cancelled, and responded to letters in the mail ) to try to get this resolved and because of the XXXX cent difference they will not do anything. I am so exhausted and feel completely defeated and let down by both XXXX and Keybank. It is unacceptable to charge your client double and not make it right. I will attach my documentation.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CO)

Immediate Requirement for Adherence to 605B Provision : Expunction of Incorrect Accounts and Inquiries To Whom It May Concern, In accordance with the Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ( a ) ( 7 ) ), Colorado Revised Statutes 18-5-902, Colorado Revised Statutes 18-5-903, Equal Credit Opportunity Act ( 15 U.S.C. 1691 ), 15 U.S. Code 1666b, and the Fair Credit Reporting Act ( FCRA - 15 U.S.C. 1681c-2 ( a ) ), I hereby formally demand the immediate removal of the following erroneous accounts and all inquiries from my credit report : Accounts Mandated for Immediate Expunction : XXXX ( Account Number : XXXX XXXX XXXX XXXX  ( Account Number # XXXX ) XXXXXXXX XXXX XXXX ( Account Number # XXXX ) XXXX XXXX XXXX - Account Number # XXXXXXXX XXXX XXXX XXXX XXXX ( Account Number # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number # XXXX ) XXXX XXXX XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXX XXXX  XXXX Account Number # XXXX ) I trust you will adhere to the 605B provision and promptly delete these accounts and all credit inquiries. Failure to do so will result in severe financial and legal repercussions. 

Sincerely, XXXXXXXX XXXX XXXX CC : Department of Justice CC : Federal Trade Commission
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX Account # XXXX I hope this letter finds you well. I am writing to respectfully request a XXXX  adjustment to my credit report concerning a few late payments on my account XXXX, which has been paid off and closed. 

I have been a valued customer of XXXX for XXXX  years and have always aimed to maintain a strong payment history. Unfortunately, due to financial hardship, I experienced temporary difficulties which led to the late payments on this account. 

Since then, I have made every effort to rectify the situation and ensure that all my financial obligations are met in a timely manner. I am pleased to confirm that this account is now fully paid and closed, and I have taken steps to avoid similar issues in the future. 

Given my overall positive payment history and the fact that the account is now settled, I kindly request that you consider removing the late payment records from my credit file as a gesture of XXXX. I believe this adjustment will better reflect my commitment to responsible credit management.
Consumer complaint received 2024-03-20
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Bridge IT, Inc. (CA)

Hello, As a consumer I am finding myself extremely worried that even after contacting both Brigit to stop charging & demote my membership to a free version- and to my bank, to stop payment to Brigit, that this predatory company would go to these lengths in order to drain money from my bank account. 

My last Valid membership fee charged by Brigit was on XX/XX/XXXX in the amount of {$9.00}. 

Because I no longer needed service and their membership provided no material benefits, I contacted their customer service chat to delete my account. The representative said that I could be lowered to a free version and begin membership if I would like to use the service again. 

Then on XX/XX/XXXX - I see XXXX charges made by Brigit to my checking account. XXXX for {$0.00} and the other for {$9.00}. 

Following these charges, I called my Bank to report that Brigit was still charging me even though I had canceled 2 months ago in XXXX when I had last used their service. My bank had placed a stop payment to Brigit. 

Attached is an email confirmation from my Bank, showing recurring payments to BRIGIT have been canceled as of XX/XX/XXXX. 

The next month in XX/XX/XXXX, I received an email from BRIGIT, alerting me that my bank account had been disconnected. 

However, on XX/XX/XXXX - BRIGIT charged my bank account once again for {$9.00}. After canceling service, stopping payment with my Bank, and having my account disconnected from their system - BRIGIT still found a way to keep on charging my account for a membership or a product or service that I am not using.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.