davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-12
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (OR)

I'm writing to find out how to get Home Depot/Citibank to comply with the Credit Card Act of 2009. They are charging 29.99 % interest on all accounts without any disclosure on the card holder portal that can be found. They are also not engaging in any conversation that would allow for the reduction of this rate, regardless of the card holders FICA scores, credit history, or payment hygiene. 
~~~~ excerpt from the act of 2009 : Interest Rate Reductions If a credit card company can increase your interest rate based on market conditions, your credit score and other factors, it must also consider those factors when deciding whether to lower your interest rate. Card issuers must review such accounts every six months ( at a minimum ). If the factors have changed in the customers favor, the issuer will likely be required to lower the rate. For instance, if your credit score declined and the credit card company increased your interest rate, it must lower it if your score goes back up to its original point. Rates must also be reduced if a penalized customer makes six consecutive on-time payments. ~~~~ We've had an account with this company for XXXX years, and we have extremely good credit ( XXXX ) with a consistent record of over paying on our account. 29.99 % is verging on predatory interest rates and gouging at a minimum. What recourse do we have? Thank you for your time, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-12
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (TX)

XXXX XXXX  XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX  MN XXXX on XX/XX/2023 i collection was placed on my credit report and shows as a revolving i do not a have contract with this company i sent out letters on XX/XX/XXXX requesting proof of ownership proof of original paperwork my request was ignored my and was continued to get calls after i requested to stop getting calls from them
Consumer complaint received 2024-08-12
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc (IL)

Chime kept money that was verify through unemployment and they still did not return my money after I show all documentation that was needed to show they close me out and I no longer was able to call or reach out to them anymore and I had no explanation why they kept {$3100.00} from me
Consumer complaint received 2024-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

FRAUD! 

USAA allowed someone other than me to take all my money in checking, savings and a savings account I opened for my granddaughter. I am a widow on a fixed income and bills to pay!
Consumer complaint received 2024-08-12
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (OH)

Citi Bank credit card. 
on XX/XX/XXXX i made my regular payment ooline and noticed fraud purchases. Ireported the items and on XX/XX/XXXX citi bank took XXXX dollars out of my bank by phone. UN-AUTHORIZED. that money was not credited to my account until after i called them and told them it was unauthorized then they credited it to my account even though i did not want it to be. i am on social security and XXXX is more than XXXX of my check. my bank charged me overdraft fees for the bills i paid because i did not authorize citi bank to take the XXXX dollars. well i received a check for XXXX dollars and bank advised me not to cash it. i did not. then i received a check for XXXX dollars and did not cash that one either. citi bank said i owed the XXXX dollars as payment which i did not. ended up they lowered my credit limit before while all this is going on and then kept charging me over the limit fee because they changed my limit. So Citi took my money, XXXX lowered my credit limit causing me to be over the limit now charging me a huge amount of money, causing my bank to charge me over draft fees and not even investigating or showing anything about disputed items. but still charging me those outragous fees. I have a bad XXXX and all this stress has been causing me XXXX XXXX trying to talk to them to get them to fix this. they refused. Can you help me and can you reccomment a good attorney that will help me sue citi bank? it is now XXXX and they will not even listen to me about it. they send me a new card but i have not activated it.
Consumer complaint received 2024-07-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

DEAR BANK OF AMERICA ; I was shocked when I reviewed my credit report and found late payment, negative, and chargeoff and collections account on my credit report from your bank. I am writing to address an alleged debt that I have no knowledge of and believe to be fraudulent. I have never engaged with your companies or the original creditor, nor do I recognize any contractual obligations with them. The inaccuracies in this account 's reporting violate FCRA and FDCPA regulations. 

To resolve this, I insist on proof of this debt, specifically the alleged contract or agreement bearing my signature, and proof of your authority in this matter. Without such documentation, I demand the correction of any erroneous credit reports pertaining to this debt. 
Please provide the following promptly : Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for this matter.

Legal basis for your collection of this information and debt.

Evidence of your authorization to operate in this state.

Proof of the alleged debt, including contracts or instruments bearing my signature.

Complete account history, including collection-related charges.

I am filing a formal complaint citing violations of my consumer rights under the FCRA and FDCPA. According to 15 U.S.C. 602 ( a ), I am entitled to privacy, and 15 U.S.C. 604 ( a ) ( 2 ) specifies that no account can be furnished without my written instructions. Therefore, I demand an immediate cessation of all communication and collection activities regarding this account. I also request the deletion of this account from my credit report due to its unrecognized status and absence of contractual obligations.

Your actions have infringed upon my rights under the following sections of the FDCPA : 1692d : Harassment or abuse in connection with debt collection.

1692e : Use of false, deceptive, or misleading representations.

1692g ( b ) : Failure to properly disclose my rights.

1692f : Use of unfair or unconscionable means to collect a debt.

I demand the immediate deletion of this account from all credit reporting agencies. Your actions have significantly impacted my credit report and overall financial well-being.
Consumer complaint received 2024-08-12
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: TD BANK US HOLDING COMPANY (ND)

I opened a Target credit card while I was an employee. I left the state of Alabama to Minnesota for work. When I made payments, the payments were withheld until after the due date so a late fee was incurred in the account. There was always a late fee owed even when it was paid on time.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (VA)

I am writing to file a formal complaint against LexisNexis regarding their failure to delete incorrect information on my consumer report. Specifically, LexisNexis has continued to report a XXXX XXXX Bankruptcy that should not be present on my report. 

I have already provided LexisNexis with proof from the courthouse confirming that this bankruptcy is inaccurate and should not appear on my report. Despite this, LexisNexis has failed to remove the erroneous information. Instead, they responded by stating that they are disputing the information with XXXX. This response is unacceptable as the original source of the incorrect information is LexisNexis itself, which was then distributed to the credit bureaus, including XXXX. 

They are in violation of the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' It is my understanding that under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies like LexisNexis are obligated to ensure that the information they report is accurate and up-to-date. They are also required to conduct a reasonable investigation when a consumer disputes the accuracy of the information in their report. LexisNexis has not fulfilled these obligations. 

The continued presence of this incorrect bankruptcy on my report is causing significant harm to my creditworthiness and financial standing. I request that the CFPB take immediate action to ensure that LexisNexis deletes this inaccurate information from my report and confirms this deletion in writing. 

Thank you for your attention to this matter. I look forward to your prompt resolution of this issue.
Consumer complaint received 2024-08-15
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. (NJ)

XXXX XXXX reported my account late for the month of XXXX. I spoke to the company in XXXX because I was having financial hardship at the time and asked for a sustainable solution on payment options. The company agreed to take out two specific amounts from my checking account on specific dates as automatic payments. They did not and in turn once I realized it - I made a payment to bring the account up to date. They marked my account as late when in fact it was the companys error for not taking the funds as agreed. I want this taken off of my credit report as a missed payment. I have a perfect payment history in the last few years and this is causing me issues with obtaining any new credit.
Consumer complaint received 2024-10-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (WI)

AARGON agency has been reporting a collection on my consumer report for the last year. I've disputed it through credit karma and XXXX several times. Each time the dispute comes back as verified. However I have never worked with this company. They have not provided factual information such as a signed agreement. I don't recognize this collector nor have ever worked with them. I need them to delete this violation of information on my consumer report immediately. I reached out via phone on XX/XX/year> approximately at noon and the representative could not locate an account for me. This fraudulent collection is negatively impacting my consumer report. 
This collector also violates my consumer rights, and has not provided method of verification.
Consumer complaint received 2024-10-22
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: CAINE & WEINER COMPANY, INC. (AL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-10-22
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: Upstart Holdings, Inc. (NC)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (AZ)

I contacted my bank ( Wells Fargo ) to report a fraud/scam situation I was involved in. They denied my claim after a couple days. The total amount of 15 transfers that resulted in fraud was {$15000.00} ( {$12000.00} from XXXX and {$3600.00} from XXXX ). 

I had sent a total of 15 transactions over a span of 3 months ( XXXX XXXX and XXXX XXXX ) to XXXX XXXX, whom I met on XXXX XXXX, to purchase vending machine locations. He reached out to me last week to admit he indeed scammed me and I would never be seeing my money again or any of the locations I purchased. I filed a police report with XXXX XXXX Police Department and a report with the FTC shortly after I found this out.
Consumer complaint received 2024-10-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: TransferWise Ltd ()

Dear Sir or Madam, Writing about my account on Wise being closed without any specific reason. 
I have had my account since last year and i have done some transactions between me and my friends which were necessary for me and I have also provided wise with the documents needed also with the documents from the bank which I took a loan of about XXXXXXXX XXXX  and I must mention that the transactions didn't exceed more then XXXXXXXX XXXX  transaction. 
I really need the account as I work freelance sometimes and receive money and send to friends family and also my colleagues.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 
I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing.
Consumer complaint received 2024-10-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Upstart Holdings, Inc. (NY)

XXXX XXXX, XXXX is a debt collector who has failed to verify the debt. In addition the item remains on my credit report as a chargeback from Upstart Loans. I have never received a 1099C. The company has written off the debt and therefore the amount owed should show XXXX.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

It is Thursday XX/XX/XXXX when a debt collector called me I usually ignore these type of calls because I always think they are SPAM calls, but right after I always check my credit report. This time I saw my credit go down and due to a fraudulent account that was open, now I am in the process to fix this identity theft problem.
Consumer complaint received 2023-02-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (FL)

I got charged fees after fees leaving my account in XXXX USD, when tried to get in touch I did not received a response, this problem was from early XXXX to later XX/XX/XXXX, Wells Fargo closed the account without any possibility to reopen again and left it negative instead of bringing the account back to XXXX despite my efforts to continue to use it, I did not want to pay so many overdraft fees so after a lot of back and forward I gave up on it, later on the reported to early warning services when I do not owe them anything and even if I did owe them any amount I was willing to work with them as long as these fees were taken out
Consumer complaint received 2024-10-20
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (MI)

On XX/XX/year>, I contacted Citibank at XXXX to close my Certificate of Deposit ( CD ). The original deposit amount was {$500.00}, and after two years, it had grown to {$540.00}. Despite my request, I have been unable to close the account. 

When I first called, the agent said she couldn't verify my identity and therefore couldn't assist with closing the account. Frustrated, I called again, and this time the agent assured me he had found my account, confirmed it was in the grace period, and promised to close the CD and issue a check, which I was told I would receive in 7-10 days. 

However, this turned out to be false. When I checked today, I found that the CD had been reinvested into a new term instead of being closed as promised
Consumer complaint received 2024-09-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have identified several discrepancies in how the following accounts are being reported on my credit report across multiple credit bureaus. These discrepancies violate fair credit reporting practices as outlined by the Fair Credit Reporting Act ( FCRA ), and I request an immediate investigation and correction of these issues. 

For XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : There was no notice of dispute, violating FCRA Section 623 ( a ) ( 3 ), which requires a notice of dispute to be communicated when an account is disputed by the consumer.

The payment history is inconsistent across the three credit bureaus, violating FCRA Section 607 ( b ), which mandates that credit reporting agencies follow reasonable procedures to ensure maximum possible accuracy of the information reported.

The account has been re-aged, with inconsistent late payment dates across XXXX, TransUnion, and XXXX, violating FCRA Section 605 ( c ), which sets limits on the re-aging of accounts and the time frame in which negative information can be reported. 
For XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : The account has been re-aged, violating FCRA Section 605 ( c ), which restricts the re-aging of accounts.

There are inconsistencies in the payment history across the credit bureaus, violating FCRA Section 607 ( b ). 
The credit limit and high credit amounts reported vary across XXXX, TransUnion, and XXXX, also violating FCRA Section 607 ( b ) regarding accuracy of information. 
For XXXX XXXX XXXX XXXX XXXX XXXX : There was no notice of dispute for TransUnion and XXXX, in violation of FCRA Section 623 ( a ) ( 3 ).

I request that the CFPB investigate these reporting discrepancies and work with the credit bureaus and furnishers to correct the inaccuracies. I also ask for re-investigation of the accounts, proper notification of disputes to all three credit bureaus, and an update of the payment history, credit limit, and high credit balance to accurately reflect my account history. 

Please find attached copies of my credit reports from XXXX, TransUnion, and XXXX highlighting the discrepancies, as well as any correspondence related to disputes Ive filed directly with the credit bureaus and creditors.
Consumer complaint received 2024-08-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: USCB, Inc. (CA)

I paid {$50.00} to XXXX XXXX  on XXXX. This amount was deducted from my checking account. I was then sent a letter on XXXX from debt collector USCB to try and collect the debt.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Southern Management Systems Inc. (TX)

I've recently received a copy of my credit report and noticed several inaccuracies and unauthrizes accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC (PA)

I was never late on this account. 
Please show me documentation showing proof of such transactions. Showing that I was ever late to support your inaccurate reporting on my account. If you can not supple this please delete this alleged late payments from my credit report. FCRA allows 30 days for this to be rectified.