davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-19
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NY)

In XX/XX/2023 I called to cancel my XXXX XXXX XXXX Credit card as it has a {$99.00} annual fee and I dont use it. They convinced me to take a lower card with no annual fee. I was told I would get a new card and dont pay the {$99.00}. I received my next statement with the {$99.00} annual fee. I was told again, do not pay it. I then started getting future statements with the {$99.00}, late fees and interest. I have spent 3 1/2 months calling and they credited almost all of it except for an interest balance of {$6.00}. I called the past 2 weeks and spent over 55 mins on each phone call, still not fixed. My problem has been transferred to supervisor etc, but Im getting no where. Every time I call Im told it will definitely be fixed in 5-7 business days. I receive daily phone calls ; emails and texts stating I have a past due credit card bill. Im at a loss and Im sure I will start getting late fees soon on this amount. The situation has actually become harassment as I receive notifications every day about this past due bill. I have excellent credit and dont need it ruined by something like this. I have several credit cards and I have never been through anything like this.
Consumer complaint received 2019-06-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY (WA)

Hello, I am one of the customers defrauded through the Wells Fargo consumer protection insurance ( CPI ) program. 
I received a letter in XX/XX/2019 explaining that they had placed the CPI insurance on my vehicle unnecessarily and I was due a refund of {$6200.00}. In addition to the refund it states in the letter that they will repair other damage resulting from the CPI. I have contacted Wells Fargo who insisted the check was on the way and to cash it ASAP. I explained I had received the check but wanted to be sure my loan and bankruptcy was cleared from my credit report. They said to dispute the issue with the credit reporting agency. 
I filed a dispute with XXXX. They confirmed the identity and details of the loan were true, nothing changed. Same thing with the bankruptcy. The loan has not been listed as paid, the negative marks are still there. The bankruptcy is still there. I dont know how to have this cleared and Wells Fargo, as we all know, is wrought with deceit. If I cash the check I will forfeit any possibility of having the damage done to my credit repaired. The affects of the CPI program on my loan, and in turn, my life were devastating. I lost everything trying to keep up with these payments that were forever in arrears. Having to file bankruptcy and ruin my credit to get my vehicle back after being wrongly repossessed. It was pure XXXX for 3+years. Now that it has come to light how devious they are and are obligated to right their wrongs, I want and deserve some justice.
Consumer complaint received 2022-03-23
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)

The credit bureaus have failed to comply with my request to delete all inaccurate personal identifying information such as ; misspelled names, incorrect current and previous addresses. I have mailed multiple letters to the bureaus all of which have gone unanswered. I have been disputing and challenging the inaccuracy being reported on my credit reports for a couple of months now, maybe even one year. I ask that you please help me assert my legal rights and enforce the credit reporting agencies to comply immediately. Their willful disregard has been extremely injurious to my credit profile and I am at my wit 's end.
Consumer complaint received 2022-03-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (NY)

In XX/XX/21, My Citi Bank checking account had 2 unauthorized transactions total {$49000.00} ( {$49000.00} and {$450.00} ). I found out the unauthorized transaction on XX/XX/21, and contacted Citi Bank right away to report this fraud. Citi Bank gave me the fraud claim # ( XXXX ) on XX/XX/21. And I reported this fraud to XXXX, and received the complaint # ( XXXX ). 
I already waited almost 4 months, and evey time contacted Citi Bank to ask when can I get my refund back, they alway gave the same to me : the fraud case is still under investigation, no result yet.
Consumer complaint received 2022-03-23
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: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

On XX/XX/XXXX at XXXX AM received and email from Bank of America confirming an email " update '' I did not make a change in my email so I called Bank of America. Talked to XXXX she said 2 transfers were pending XXXX and XXXX I asked that she STOP these charges that I did not make them and was told " The are Pending and she could not stop them. She put a Fraud alert on my Account. I have received four letters from Bank of America, going from from crediting my account for the Fraud charges and then " re-investigating saying we are responsible for all the transfers. I have sent two letters asking for information on where this money went and to whom it went to and I haven't received anything. Bank of America has a email in their system that does not belong to me but they will not release to the email. 
I have filed a theft report with XXXX XXXX XXXX XXXX office ( felony theft ) also a report with the FTC XXXX all three credit bureaus and a complaint with Alabama Attorney General Consumer Department XXXX All of this information has been faxed/mailed to Bank of America twice XXXX XXXX XX/XX/XXXX & XX/XX/XXXX ) I have called Bank of America five times and get nothing but the " run around ''. I need this resolved. Bank of America is now charging me late fees on money I do not have and did not transfer. Based on past account activity this out of character for me. It should have been a red flag for the Fraud Department having my credit card maxed out with two transfers.
Consumer complaint received 2022-04-19
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. (ID)

This XXXX  XXXX XXXX XXXX XXXX  is located inside XXXX XXXX XXXX. The dealer sold me a defective vehicle that was deemed unsafe I notified the XXXX XXXX XXXX rep XXXX. She would not help. I recorded our call. After months of endless complaint the Idaho department of transportation notified me I could file a surety dealer complaint. I did so. I also submitted a revocation of acceptance letter which the finance company received and recorded they received the letter. The surety settled and all money owed and any interest was sold, assigned, transferred to the surety. I am legally not responsible for the loan. In addition the vehicle was taken by the XXXX XXXX The finance company has been aware i have sent several disputes of the inaccurate reporting of the account in addition they committed fraud at initial signing of loan. They continue to report this account that I am not responsible for and that is completely inaccurate damaging my credit a great amount.
Consumer complaint received 2022-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Neon Newco Corporation (CA)

Someone stole my cell phone that was my wallet with all cards and they stole {$7200.00} from my debit card I filed a dispute and rhey denied it when there is evidence of another unknown person using my card per police officer
Consumer complaint received 2022-04-19
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: Experian Information Solutions Inc. (PA)

i did not consent to this UNFAIR and INACCURATE information to be reported to MY consumer report. Please remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Reports must be in accordance with consumer
Consumer complaint received 2022-03-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I XXXX XXXX is writing this letter on my behalf and there aren't no 3rd party involved. I recently check my credit report and notice inquiries on my consumer report that wasnt me. I have attached my document
Consumer complaint received 2022-03-23
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc (MI)

Williams & Fudge has been attempting to contact me for perhaps a year about a debt that I supposedly owe ; but since they've been leaving voicemail on a phone I rarely use, I've let it go until recently. ( I've blocked the number, but that doesn't stop them from leaving voicemail, unfortunately. ) A month or two ago, they sent me a letter that said I can either dispute the debt ( and gave me several options to check as to why I was disputing it ) or ask for details on the situation. I checked " I don't owe this debt '' ( or whatever was similar ) and attached the slip to a detailed letter saying why I felt I didn't owe it. In it, I stated what I believed the debt to stem from, the fact that they were outside of the statute of limitations in three different states ( the state I reside in, the state the school is in and the state the lender is in ) and the exact legal citations pointing out the statute of limitations in all three. I also said that in the unlikely event I'm not outside the statute of limitations, Williams & Fudge still won't be able to collect a debt off me, as I am on XXXX and only federal student loans can garnish that, not private. I sent the letter and assumed that would be it. 

Earlier this month, I received a large manila envelope ( with no return address ) with a thick sheaf of paper. The cover letter said it was from Williams & Fudge and it was the details of my debt, complete with credit reports for my cosigner and I and paperwork I don't remember signing. ( I, in fact, did not physically sign these papers ; they were marked with a digital signature, so I have no way of proving that they were not forged. ) There was also a pair of affidavits noting that disclosure statements for both my cosigner and I were missing from the file. ( I think this is detrimental, but I can't say for whoit may, for example, state the length of time it takes for the debt to go default, so I may not be outside of the statute of limitations after all. 

I did not ask for this waste of paper ( and it was truly a waste, because there were multiple copies of several things and no clear reason why there was ), and the only thing I learned from itbesides the fact that no one read my letteris that they were pursuing a debt from a different school than the one I wrote my letter about. Regardless of which school, the statute of limitations has expired and they need to stop calling me and sending me junk.
Consumer complaint received 2023-06-29
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: EQUIFAX, 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.

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 2022-03-23
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/XXXX, I signed paperwork to purchase a used car from XXXX XXXX in XXXX Georgia. The car had to go through a certified inspection before the dealer could release the car to me. I picked the car up from the dealership on XX/XX/XXXX. I drove the car to the freeway and then returned the car to the dealership. The car was leaking water and started shaking when I put on brakes. The car was returned to the dealer in less than a hour from driving it off the lot. The dealer did not want to take the car back and told me that I would have a car repossession on my credit. I handed the manager the keys and left the car at the dealership. 

My original plan was to finance the car with a loan from Bank of America. I called XXXX XXXXXXXX as I was driving the car back to the dealer, the person could not verify my information and advised me to call back. I called Bank of America back after leaving the car at the dealership. The person I spoke with told me they would put a stop payment on the car and advised me to apply for another car loan. 

The next day, Bank of America called me and told me I may be on the hook for the loan because of the contract I signed. Bank of America advised me to work something out with the dealership. The woman stated that if Bank of America gives the dealership the money, I would be responsible for paying the money back. I do not want the auto loan from Bank of America for purchase of this car.
Consumer complaint received 2022-10-13
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. (MI)

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-23
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: Experian Information Solutions Inc. (IL)

EXPERIAN XXXX XXXX not reporting any payment or relevant history for my XXXX XXXX XXXX XXXX Credit Card. This is an ongoing problem and has been happening for at least 6 months despite my repeated requests to have my Credit File updated with the correct information. The Creditor XXXX XXXX XXXX XXXX has asserted that they are reporting the information correctly every month to Experian XXXX  and that this issue is the fault of Experian XXXX 

Experian XXXX is the only XXXX  that is not reporting my XXXX XXXX XXXX XXXX payment information and credit history. All of the other XXXX are reporting the information correctly as required by Federal Statute. 

Experian XXXX is violating my FCRA rights and continues to do so every month to the detriment of my economic life and opportunities. I have attached a photo of my Experian CRA report # XXXX on XX/XX/XXXX which proves that ExperiaXXXX XXXX has done nothing to correct this problem since at least XX/XX/XXXX. 

In reality, this problem extends back months previously to XX/XX/XXXX, and there are many positive Tradelines that are not reporting any history according to Experian. I believe that Experian is deliberately suppressing my positive credit history, while simultaneously correctly reporting my negative history.
Consumer complaint received 2022-03-23
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX Account # XXXX {$25000.00}, XXXX XXXX XXXX Account # XXXX {$100.00}, XXXX XXXX XXXX {$370.00}. 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 2022-03-23
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: OneMain Finance Corporation (CA)

I have a hard inquiry on my account From Onemain Financial as of XX/XX/22 I have not applied for any type of credit. I have contacted them and when I get through to them they say the will connect me to someone that will help when the phone call is transferred it hangs up.
Consumer complaint received 2022-03-23
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: F.H. Cann & Associates, Inc. (NV)

The school that I attended, XXXX XXXX XXXX XXXX, has blocked me from ordering my official transcripts. They are saying I owe a debt from 2007 for a private University loan that was received. The total a little over {$3000.00}. However, when I went to go and check and verify the debt, the University has sold this debt to a debt collection agency. I've never received a letter or call from this agency, and I've also tried to contact them several times but no one has gotten back to me. The collection agency is called FH Cann. What's even worse, the University still won't release my official transcripts even though they've sold the debt. I don't know what to do. This is so wrong and very confusing.
Consumer complaint received 2022-03-23
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. (GA)

I recently checked my credit report and noticed a lot of inaccurate information that has been reporting to my credit. 

Accounts that I don't recognize are, XXXX XXXX, XXXX XXXX XXXX Original Creditor, Preferred open XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), XXXX  XXXX Original XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ), Also I found a few inaccurate addresses as well.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I will be taking equifax, XXXX and XXXX to arbitration Under Unfair and deceptive practices For seeming to do what ever they want with my consumer report including furnishing transaction history and experiences Which under 15 us code 1681a is excluded from your consumer report Credit bureaus also have been asked multiple times to provide the method of verification full documentation of what was used to investigate verified accounts, which they never did and are still holding accounts they never provided proof of on my Consumer report I am giving credit bureaus thirty days before I file a claim to take them to arbitration In three days of receipt of this notice to cure this consumer report also Remove All accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  If no refute of this notice is responded to in three days than this Agreement is accepted
Consumer complaint received 2022-03-23
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX Account # XXXX {$25000.00}, XXXX XXXX XXXX Account # XXXX {$100.00}, XXXX XXXX XXXX {$370.00}. 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 2022-03-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I was scammed by erroneous rep who had hijacked a friends XXXX page. I dialoged with the erson under the guise of disguising she was My friend and introduced herself to me. Make an investment for a profit. After discussion and asking question abt the program I sent an initial XXXX  transaction of XXXX dollars. Then I was told there was a XXXX fee. I balked at that point but she said bcuz she did not relay the info she would pay XXXX of the fee. She then sent a website with an account page made for me with a XXXX profit. But I couldn't withdraw until paying the fee. So in all 3 XXXX pmts of XXXX each were sent to XXXX ( XXXX XXXX ) who was her manager. Whom she said she didn't want to get fired for not telling me abt the fee. After the last transaction I asked for the withdrawal and kept getting excuses. At that point I said I was going to contact my bank. She stopped communication. 
The company was supposed farm mining cloud and their were names of3men to contact via email which I did but didn't get any answers. 
I contacted Bank of America a d reported it. I received a secure letter from BOA stating they couldnt/would n't help me. They said they would contact the institution w/ the XXXX recipient Institution. They basically said it seemed futile and would take XXXX XXXX possible days. 
I am retired and on social security. This Was my savings. I felt and feel defeated and a fool. PLEASE HELP.