davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-24
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. (IL)

On XXXX, I sent a letter regarding inaccurate and unknown on my credit report, To this day over 60 days later, I still haven't received a response. I feel like I am being taken advantage of and being unheard on my concerns. Section 611 ( A ), it is plainly stated that a failure to investigate theses items within 30 days prompts for deletion, this means you are in direct violation of the law.It has been over 60 days and inaccurate items should be removed immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have brought upon me. My information was also impacted by the equifax data breach and seems to have gotten in the hands of the wrong person.
Consumer complaint received 2020-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (CA)

I had my account with Citibank for last 2o years and they froze my account with any communication for " Know your customer '' Policy. I did not know my account got frozen until two of my payment got rejected for account frozen. When I called Citibank they said that my wife DOB and SSN was missing and they have to froze. My wife had a citiobank credit card account opened two months back in Citibank and they should have it already, if noy they should contact her or send letters stating that they are going to freeze our account. No communication from their side, more over when I login to my account, I did see the account active without any frozen status for last one week. They should inform customer and also they should update the account status for online customer. I have to pay fine to my vendors for missing payments and they might affect my credit score when I am planning to do a refinance for my business property with another back. When called Citibank they said they will document this to their client experience team. I believe its not right to freeze my account without letting me know.
Consumer complaint received 2021-01-27
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: FIFTH THIRD FINANCIAL CORPORATION (OH)

Fifth Third Bank is still reporting a charge off to XXXX from XX/XX/2016. The reporting is listed in a negative context as a charge off status within the report. The negative balance of {$320.00} was resolved with the third-party collections firm utilized for collection by Fifth Third Bank. Per the discussion and agreement with the collection company, this would not be listed or reported in any way to my credit report including XXXX. Neither Fifth Third Bank nor the collection company has upheld their commitment to not report negative information and/or remove negative information.
Consumer complaint received 2023-05-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (LA)

After reviewing my credit report I noticed a discrepancy with account listed under NATIONAL CREDIT SYSTEMS- XXXX and validation was requested SEVERAL times about this account which I do not recognize. Validation letters were sent out on XX/XX/2023 I also disputed this account with the credit bureaus and no proof that this debt belongs to me has been provided. This account continues to negatively affect my credit score.
Consumer complaint received 2021-06-24
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: SYNCHRONY FINANCIAL (NJ)

I have these accounts that does not belong to me and i want it to be remove from the three credit reporting agencies. See the list bellow : XXXX  1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft 06 XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft SYNCB/NETWRK Account Number : XXXX This is not mine. 

XXXX 1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft SYNCB/NETWRK Account XXXX : XXXX This is not mine. 

XXXX 1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXXXXXX XXXX XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft SYNCB/NETWRK Account Number : XXXX This is not mine.
Consumer complaint received 2021-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CO)

On XX/XX/2020, I purchased access to an online conference from XXXX XXXX  XXXX for {$790.00}. Due to technical issues on behalf of the vendor, I was not able to access the recordings. I reached out multiple times to the vendor in an attempt to fix the issue ; however, the vendor was not able to fix the issue. I asked the vendor for a refund multiple times, but the vendor never responded. I reached out to Chase Credit Card to dispute the charge. Chase informed me that I would receive the claim dispute form via US Mail and it could take up to 10 business days. When the claim did not arrive via US Mail after 10 business days, I contacted Chase and they informed me that my dispute is closed because I did not submit the required documentation on time. Chase misinformed me that my dispute form would be coming via US Mail - I lost over three weeks because of this error on behalf of Chase. I escalated this case to Chase Executive offices with no resolution. Chase has been unfair and unjust in this business dealing.
Consumer complaint received 2021-06-24
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: ENCORE CAPITAL GROUP INC. (TN)

Around the end of XXXX XXXXXXXX of XXXX, I contacted XXXX XXXX XXXX XXXX for resolution to defaulted account with a balance of around {$700.00} at the time. I was effected by job loss and covid displacement and informed I was entitled to programs which would help for each circumstance and phase out this bill and keep from collections and negative reporting of my credit. I was informed after forgiveness of late fees associated with the account was granted and the new balance was {$420.00}. I was told this is where the covid relief plan implemented that day would take of this and the account would be closed and no longer usable. For over a year I never received any info the account was active, at one point the account was removed and closed with {$0.00} balance on my credit report before XX/XX/XXXX where it now shows as a collection of {$800.00}. I spoke to XXXX XXXX and they have record by voice recording of these proceedings but " have no way of forwarding this to me or the collection agency and it is out of their hands. '' XXXXXXXX XXXX states to have had the collection for over a year but never sent out any correspondence when the account was sold the same month I had it resolved. Being told " it's too late '' to do anything should be against the law, the representative of their company should be held accountable not my credit. I have been unable to secure housing based on the negative effects of this on my report.
Consumer complaint received 2023-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KEYCORP (NY)

On XX/XX/XXXX I opened an account with key bank & deposit a check for XXXX from XXXX XXXX the check set there for a week then on Friday morning it got locked due to illegal activity I went into the branch & spoke to XXXX XXXX he told me show Id I showed Id then told me to wait while they do the investigation then was told they needed ss card gave them that threw email on XX/XX/XXXX I came in again to fill out a paper to get a timing on the account being unlocked then was told to wait & that he would call me when this paper got approved since then Ive waited until XX/XX/XXXX still nothing I need my money to pay my bills
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Kikoff Inc. (TX)

I reported to Kickoff that I did not apply for a loan that they claimed I signed up for. 
I had no need for a loan of {$750.00} at that or even now. The dates started XX/XX/XXXX and placed on my account XX/XX/XXXX for a late payment of XXXX.
Consumer complaint received 2021-06-24
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: CITIBANK, N.A. (TN)

Around the end of XXXX- XXXX of XXXX, I contacted Home Depot Credit Services for resolution to defaulted account with a balance of around {$700.00} at the time. I was effected by job loss and covid displacement and informed I was entitled to programs which would help for each circumstance and phase out this bill and keep from collections and negative reporting of my credit. I was informed after forgiveness of late fees associated with the account was granted and the new balance was {$420.00}. I was told this is where the covid relief plan implemented that day would take of this and the account would be closed and no longer usable. For over a year I never received any info the account was active, at one point the account was removed and closed with {$0.00} balance on my credit report before XX/XX/XXXX where it now shows as a collection of {$800.00}. I spoke to Home Depot and they have record by voice recording of these proceedings but " have no way of forwarding this to me or the collection agency and it is out of their hands. '' Citi bank states to have had the collection for over a year but never sent out any correspondence when the account was sold the same month I had it resolved. Being told " it's too late '' to do anything should be against the law, the representative of their company should be held accountable not my credit. I have been unable to secure housing based on the negative effects of this on my report.
Consumer complaint received 2021-06-24
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: EQUIFAX, INC. (PA)

I have disputed these inquiries as lacking permissible purpose and being unverified, yet you have failed to respond within the 30 day period allowed under the FCRA. As I have previously stated, I contacted the companies myself and have been unable to get them to verify that they possess any evidence of permissible purpose or authorization to check my credit.
Consumer complaint received 2023-05-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

XXXX XXXX applied to the XXXX XXXX XXXX located in XXXX Texas on XX/XX/17. XXXX XXXX was assisting me with the leasing agreement during the time. I was informed that my Financial aid could not cover the full year of XXXX. I was required to have a Co signer to cover the expenses when the financial dissolved. I was also giving a time frame to contact XXXX XXXX regarding a Co signer and seeking more funds for financial aid or the lease would be terminated. I sent over an email on XX/XX/2017, stating that I am requesting to cancel my lease because of financial aid. I received a email from XXXX XXXX on XX/XX/2017 Acknowledging my email, stating that she was sorry to hear about my financial aid balance. If I have future request about XXXX please contact back. Prior to the email I was sent a denial letter stating termination because the deadline was not met for a co signer. I was emailed a welcome letter stating a lease agreement with a forged signature stating XXXX XXXX XXXX. I did not agree to proceed with the application. I have doucments showing that I lived on campus for the remaining of the year. Prior to the emails from XXXX and I stating the application cancellation.
Consumer complaint received 2023-05-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (NY)

I submitted a complaint with CFPB regarding excessive calls from Midland Credit on XX/XX/2023 ( # XXXX ). Response quote below. I am still receiving phone calls. Specifically, today at XXXX from number XXXX. This is ridiculous and harassment and needs to stop. 


" Per your concerns, the above-referenced accounts have been marked Cease and Desist. While they remain due and owing, we will no longer contact you unless required by law. Please be assured that we are a reputable company. We consider consumer complaints a serious matter, fully respect consumers rights, and apologize for the inconvenience caused to you. Thank you again for your assistance in this matter. ''
Consumer complaint received 2023-05-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (GA)

After reviewing my XXXX credit report I saw that their was a debt being reporting by National Credit Systems for the amount of {$3700.00}. At no point was i notified regarding this debt in order to verify its validity prior to it being placed onto my credit report. I do not owe such debt to National Credit System/ or their client. National Credit Systems are in direct violation of the Fair Credit Reporting Act Section 623 ( a ) ( 7 ), as defined in Section 603 ( p ), a Furnisher must notify consumers in writing if they may furnish or have furnished negative information to a CRA.
Consumer complaint received 2023-08-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (AZ)

Chase account number XXXX branch XXXX XXXX XXXX XXXX Branch -XXXX XXXX AZ XXXX with Chase bank plus savings, saving CD account XXXX, XXXX checking account XXXX and checking also premier platinum checking and XXXX all under XXXX XXXX XXXX and or XXXX XXXX XXXX XXXX My elderly mother XXXX XXXX XXXX that is really legally XXXX XXXX XXXX XXXX XXXX has gone to all of the accounts above and drained the accounts moved them to same bank under new accounts and closed my accounts without permission and the bank will not allow me access or transcripts. My mother has accused me of theft and my lawyer has requested transcripts. My mother is under and has been under my care as Power of attorney for her welfare. I need help as my rights have been violated.
Consumer complaint received 2023-05-10
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: HW Holding, Inc (NC)

The collection agency called my dad and told him I owe {$4000.00} on past due rent. Im over the age of 18 and my dad was not co-signed on the lease. This happened sometime last year. Not sure when exactly.
Consumer complaint received 2024-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX OF XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

My recent experience was just repugnant, unacceptable in paying off my balance. In XXXX, I paid off the remaining balance on my XXXX XXXX XXXX XXXX account ( XXXX ). In XXXX, I received a bill from XXXX  XXXX XXXX for XXXX dollar. I called and was told that there were interest rates carried over from two months ago, leaving a charge of XXXX dollar. Never in my 50 years dealing with banks and credit cards has a charge been issued after the balance was paid in full. 
On top of that, the way I was treated and hung up on by two different customer service agents was very disturbing. I do not know what your script is as a Comenity Bank card, Bread Financial, it was very distasteful, making me feel, I was abused for close to two hours and getting nowhere on the understanding of XXXX dollar interest rate ( fees charged ) was still on my bill after the pay-off. So, I investigated it. 
Yes, Comenity Bank charged me XXXX dollar for the missing interest, for which THEY did not calculate. Not only that, but they also did not even address it correctly. 
On my XXXX XXXX XXXX XXXX bill, XXXX dollar is added to the " Fees charged '' not the interest charged, with no explanation. 
( Fees charged XXXX XXXX charged XXXX ) The reason for this is Comenity Bank can charge you interest on that dollar if you do not pay it under Fees charged. 
If it were under the correct title, ( interest charged ) that dollar would just sit there forever because the financial institution can not charge you interest on interest ..... So, Comenity Bank not only charged me a dollar, but they can illegally keep charging me interest and late fees on top of that expensive dollar. 
This one-dollar issue needs the CFPB, as well as a XXXX XXXX XXXX XXXX I am sure millions of others, have the same issue!!
Consumer complaint received 2022-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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. 
XXXX XXXX XXXX account # XXXX, has violated my rights.

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
Consumer complaint received 2023-08-17
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 (MN)

Wells Fargo Account ( claim number ) XXXX UnAuthorized transaction of {$600.00} was made from my account. The account only had $ XXXX which left the account in overdraft. I flied a claim, they reimbursed the claim only to reverse the transaction. I payed off the Overdraft with my own money and closed the account. I received an email from Wells Fargo XXXX  days ago claiming i was to receive what the bank owed.
Consumer complaint received 2023-05-10
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. (SC)

Experian is showing XXXX XXXX XXXX XXXX XXXXXXXX written off. This balance written off is incorrect as a settlement was reached and I paid {$4000.00} as agreed. Therefore, the amount written off should be XXXX XXXXXXXX.
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NCB Management Services Inc. (MD)

On my credit report my information was released to companies that i have not done any business with. I have not authorized or gave any written consent for any of my information to be released. This is a violation under, 15 U.S Code1681b. 
A collection account was opened in XX/XX/XXXX by NBC Management Services unlawfully, an account opened XX/XX/XXXX by U S Dept Of EDXXXX .
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX has been reporting incorrect information on my credit report. They received 92 % of the loan from my insurance ( car was totaled ) and reported that no payment was received within 30 days. They placed 3 late reports on my credit, for the month of XXXX - I was told if I do not make the a payment by XXXX then XXXX payment would be considered late. XX/XX/2023 I paid the balance completely off of {$1700.00} and it was reported to my account that I was late. The person I spoke with that gave me that information then stated I never said that which I asked for the recorded transcripts because that was what was stated to me. My payments are due on the fifth of each month, I have recording of her stating that. They are continuously putting late payments on my report when money was received. I would like to take this a step further and bring it to courts. This has been the shadiest bank that I have encountered, everytime I spoke with XXXX on the phone it was different rules or more things I needed to pay for. Please do not bank here! I even ask to speak to the CEO which they refused to give his email or other information. XXXX has been the absolute worse to work it. She lied each time we were on the phone. How can my payment be 30 days late in XXXX when my next due date was XXXX and I paid it off. She made it seem like she did me a favor by waiving late fees and other fees when my account was reported late. 


I have a video recording