davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NJ)

Repeatedly Citi CEO XXXX refuses to answer me. How outrageously rude! 

Citi is charging me {$40.00} per month for each month that there is a balance due and owing. 
And so the late fees are not astronomical. 

I shall not, shall never, pay these late fees no matter how many times Citi and its lawyers take me to court. 

My beloved wife XXXX and I live ONLY on Social Security and can not at all make ends meet. I shall never pay these late fees! 

I shall declare bankruptcy if necessary!
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: BARCLAYS BANK DELAWARE (OH)

When signing up for electronic statements on my XXXX XXXX card with Barclays I inadvertently made an error on my email address ( inputting XXXX XXXX XXXX instead of " XXXX XXXX' ). A charge of {$5.00} was then made to XXXX XXXX on the card which I forgotten was used as a default payment. As I did not receive email or written notification of the charge and subsequent delinquencies I was unaware of the balance. It was not brought to my attention until a credit reporting agency sent a notification of a decrease in my once excellent credit score, showing that Barclays reported a 30 day and 60 day delinquency. I immediately paid the {$5.00} and although Barclays waived the late fee and interest they refuse to remove the late payments from my credit report. I understand that Barclays is required to report late payments however, I am truly not a credit risk and under these circumstances ( the nominal {$5.00} amount and the typographical error ) I am hoping that they will make one time courtesy adjustment. I also hope that Barclays would do as some other banking institutions do and verify emails when they are input into their system and also send out written notifications of delinquencies, so as to avoid issues like this in the future.
Consumer complaint received 2020-03-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (CA)

I'm just trying to get help with a collection account that I've been fighting for a long time. 
A collection agency is saying I owe over {$2400.00} for an XXXX   bill. I do not owe them {$2400.00}. 

I've tried speaking with XXXX  in the past and no one could ever tell me why they were charging me so much money. I had Service for XXXX  for several years. Whatever contract I may have signed with them should have been completed so there shouldn't be any outrageous charges. When they hit me with a bill that was several hundred dollars I called them and informed them I was cancelling services with them. I believe I even paid any fees they wanted at that point. To tell me I owe {$2400.00} is just crazy. 

Please help me in fighting this account. I do not owe it and the collection agency is hurting my credit.
Consumer complaint received 2022-10-25
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. (GA)

On XX/XX/2022 I discovered that Trans Union have added creditor XXXX XXXX to my consumer report that I have no credit with on XX/XX/2022. I extended my credit to XXXX. As a federally protected consumer the CFPB 3.1.1 Furnisher Incentives and Disincentives Reporting to credit bureaus and other consumer reporting agencies by creditors is voluntary and historically has been. Trans Union did not notify me that this item would be added to my consumer reporting. This item is already in dispute so no reporting should be reported. As a consumer report you suppose to report accurate information. Trans Union has failed to provide that correct information. XXXX is not the original creditor of this alleged debt.
Consumer complaint received 2022-12-07
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. (GA)

On XX/XX/XXXX I called Equifax to dispute that they were still reported an installment account that I had with XXXX XXXX XXXX as open and late when in fact the account is closed, paid in full and no late payments as verified by XXXX XXXX XXXX when I spoke to them. When I Called XXXX, they verified that they have indeed reported the pay off information to all three credit bureaus including Equifax. XXXX and XXXX are reporting the account accurately ( paid in full, never late ). When I called Equifax to file a dispute they replied that the information they have on file was verified with XXXX but HOW if XXXX is reporting the account CLOSED, paid in full and never late. I am led to believe that their alleged investigation was frivolous and not thorough enough to lead to the conclusion of leaving the account as verified. This has severely damaged my ability to obtain credit, namely, getting another car. I have attached my paid in full letter given to me by the dealership on XX/XX/2022 which is attached. The account needs to be updated by Equifax as closed, paid in full, never late. They have been given more than 60 days to thoroughly investigate this therefore I will not accept a dispute period of an additional 30 days. 15 days should be adequate time to update their records. If this is not corrected my next step will be to file a lawsuit against them. Please advise
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: HCFS Healthcare Financial Services of TeamHealth (CA)

I was recently billed a debt collection reference number XXXX from XXXX XXXX XXXX in the amount of a {$420.00} it says it is from a debt owed by XXXX XXXX XXXX  account number XXXX this is from an emergency room visit I dont remember which hospital that I actually had a workers comp I do not know why they have now put it in collections against me I do not need that on my credit report because it was something covered under his Workers Comp. I got injured at work they gave the Workers Comp. information I gave the Workers Comp. form to my former employer and there should not be a debt owed to this account I am now complaining that this is now harming me by bashing on my credit history
Consumer complaint received 2023-09-06
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

There was unauthorized checks cashed in to my account that I had not authorized and next day a Wells Fargo agent called me and said we are closing your account and you can't get nothing out of it and I been with them since 2015 and I have been having trouble with my account and no banker would help me get a new checking account only thing they would do is send me a new card and money I lost never returned
Consumer complaint received 2023-09-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay. I kindly urge you to rectify this situation immediately and ensure that my account accurately reflects my history of on-time payments.
Consumer complaint received 2023-01-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm XXXX XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. 
here are the accounts that need verification : XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$13000.00}
Consumer complaint received 2022-11-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Submitted a fraud complaint on XX/XX/2022. The Credit reporting agency had 4 days to delete all fraud accounts on my credit report. Nothing has changed
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (TX)

I have had this Chase Slate card open since 2009. I am paying 24 % interest as an Overdraft Interest Fee. This is not the interest rate for purchases. This is a separate fee every month. I spoke to costumer service. They denied the ability to decrease the 24 % overdraft interest fee. I have no late payments on this card. I also bank with Chase. They were unable to help me in any way. I am desperate to pay this credit card down. With this high interest fee, it has been difficult.
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

On XX/XX/XXXX, I mailed a dispute letter to Equifax via Priority Mail that they received on XX/XX/XXXX ( See attached letter with XXXX receipts ). IT IS WELL PAST THIRTY DAYS and Equifax refuse to respond to my dispute letter correct ALL of their mistakes. Equifax received my dispute letter on XX/XX/XXXX and it now XX/XX/XXXX. 

I requested that Equifax do the following : Disputed Item 1 Incorrect address : XXXX XXXX XXXX XXXX NJ, XXXX Correct address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX XXXX Item 2 Incorrect address : XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX Correct address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX Disputed Item 3 Incorrect address : XXXX XXXX XXXX XXXX XXXX NJ, XXXX Correct address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX Disputed Item 4 Incorrect XXXX XXXX XXXX XXXX XXXX Reference Number XXXX Date Filed XX/XX/XXXX Correction : My then attorney advised me that a XXXX XXXX XXXX  would remain on my credit report for 7 years not ten years. I pay ALL of my bills on time and I am not delinquent on paying my bills. XXXX XXXX has ALREADY DELETED this erroneous bankruptcy from my credit report. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy 15 U.S. Code 1681i - Procedure in case of disputed accuracy U.S. Code clearly states, Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), BEFORE THE END of the 30-day period BEGINNING ON THE DATE ON WHICH THE AGENCY RECEIVES THE NOTICE OF THE DISPUTE FROM THE CONSUMER OR RESELLER. 

Once again, Equifax has GREATLY exceeded the thirty days and I am once again requesting that the Consumer Financial Protection Bureau to STOP this credit reporting agency from violating my rights! What Equifax is doing to me is illegal and in violation of the law! 

I have listed four ( 4 ) items that I am disputing and I am requesting that they be removed from my credit report. After the completion of your investigation, would you once again, please send me a free credit report illustrating that all of The four items have been removed and include my updated credit score. I am being harmed by Equifax illegal actions, Equifax is in violation of the law and I am requesting your immediate attention in regards to these matters.
Consumer complaint received 2020-03-03
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (NC)

HELLO, MY NAME IS MS.XXXX  XXXX XXXX AND I WAS REFERRED TO YOUR OFFICE TODAY BY MY DEAR AND VERY GOOD FRIENDS FROM THE UNITED STATES SENATOR 'S  OFFICE.MR.XXXX  XXXX 'S OFFICE.THIS COMPANY CONSTANTLY KEEP HARRASSING ME AND THREATENING ME WITH A LAWSUIT AND THEY ARE INTENTIONALLY RUINING MY CREDIT.THESE MEDICAL BILLS WERE TAKEN OUT ON XX/XX/2016 IN XXXX XXXX.AND I MOVED TO XXXX , XXXX.IN XX/XX/2016 WHICH I'AM STILL LIVING IN XXXX XXXX.I HAVE TRIED TO  TALK WITH THESE PEOPLE TO LET THEM KNOW THAT THIS IS NOT MY ACCOUNT I WASN'T LIVING IN XXXX  IN XX/XX/2016 I WAS LIVING IN XXXX, XXXX.AND THEY REFUSE TO REMOVE IT FROM MY CREDIT REPORT NOW MY CREDIT IS DAMAGED SEVERELY BECAUSE IT.I'AM IN THE PROCESS OF TRYING TO PURCHASE MY FIRST NEW HOME AND CAR AND ALSO I'AM NOW A VICTIM IF THE XXXX  DATA BREACH AS WELL.I'AM STUDYING TO BE A XXXX XXXX AND THIS IS DESTROYED MY CREDIBILITY.THE NAME OF THE COMPANY IS/TSI XXXX/ {$980.00} WHICH I DEFINITELY DON'T OWE THAT'S NOW IN COLLECTIONS THEIR ADDRESS AND PHONE NUMBER IS/XXXX XXXX, DELAWARE XXXX/XXXX.PLEASE HELP ME TO GET MY CREDIT SCORES UP SO I CAN PURCHASE MY DREAM HOME AND VEHICLE.THANKYOU AND GODBLESS YOU ALWAYS.SINCERELY, MS.XXXX XXXX.
Consumer complaint received 2022-10-25
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

The following credit cards do NOT show accurate information and are not reporting timely or should be virtual reporting .... or Credit Bureaus are not updating. 

XXXX XXXX XXXX XXXXXXXX XXXX aka XXXX ) XXXX XXXX ( Personal Cards showing on Credit Report )
Consumer complaint received 2023-09-06
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-04-28
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (PA)

From : YouSent : Friday, XX/XX/2018 XXXX XXXX  ( ET ) To : XXXX XXXXSubject : FraudMessage ID:XXXX I am writing to let you know that I have reported you to the Consumer Financial Protection Bureau for fraud and usury. You have kept the finance charges lingering on the old balance on my account now for more almost 2 years. I know I have paid that balance off twice over but you still keep it there for whatever reason. I have spoken to your representatives on several occasions where they have stated that once that balance is gone that finance charge will go away. Now all of a sudden its on there until the entire balance is paid. XXXX XXXX!!! This is fraud plain an simple. I paid {$750.00} in the course of two months there is no way you can tell that that balance shouldn't be gone by now. I want it gone NOW! I am also going to call an attorney to see how many other customers are being ripped off by this " finance '' charge.

This is the 3rd time I have reached out to them for this same issue. I have been told on two previous occasions that once that balance was gone the second finance charge would be gone. That is obviously not the case as I was told today - XX/XX/2018 that I now need to pay off the entire balance. I have to believe this is fraud!
Consumer complaint received 2024-06-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (NC)

In XX/XX/XXXX, I received a letter stating I owe {$5200.00} for a medical bill at a hospital in XXXX XXXX, NV where the date of service was XX/XX/XXXX. I relocated from XXXX XXXX in XXXXXXXX XXXX XXXXXX/XX/XXXX, more than a year prior to this date of service. I responded to the collection agency notifying me the bill is not mine. I called the hospital and spoke to the billing department and was told I would have to allow them time to research this account number because NONE of my personal information identified ME and it didn't even show up as a bad debt in the hospital 's system. I received a call back the same day and was told the account was for a minor that ONLY had the same last name as mine that was brought in as a juvenile under the care of XXXX XXXX Police to receive medical treatment while under their custody. I again, have resided in another state since XX/XX/XXXX and have had NO business or affiliation in XXXX XXXX, NV since XX/XX/XXXX. Because I have NEVER been a patient of this hospital, they said they don't have my SS # NOR my Birthdate on any of their hospital records. They only had an address ( in which I have NEVER resided, nor do I know anyone at that address ). I sent a notarized response with this information, and they responded with an itemized bill for a XXXX XXXX XXXX which corroborates the information the hospital provided me with that a minor was treated. 
I then sent another notarized letter on XX/XX/XXXX response requesting further verification to prove that I am the person responsible for this minor child ( which of course I have no children with a name even remotely CLOSE to the one that was treated ). I requested ANY copies of ANY agreements signed by ME obligating me to pay the debt. I also requested a copy of documentation of my signature with the provider of service to release my 'alleged ' medical information to Aargon Agency , Inc ( collection agency ), I asked them to provide me with valid license numbers and registered agents per correspondence, and to cease any credit bureau reporting until the debt has been validated. I sent the letter requesting this information notarized and with a tracking number. The letter was delivered on XX/XX/XXXX and have received no response since.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.