davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-25
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (OH)

For the month of XXXX I was charged a late fee. The reason my payment was late is I never received a paper statement and the fact that my dad was in the hospital for XXXX XXXX. I explained this reason and was told I signed up for paperless billing, which I did not. They werent compassionate when I told them my reason why. The refused to help me and would not remove the late fee. I filled complaints also with XXXX  on Care Credit, no response.
Consumer complaint received 2022-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE (OH)

After many years of having an XXXX XXXX we were informed last XXXX that our account would now be with Barclays. I immediately informed XXXX that I did NOT want an account with this lender and they did NOT have my permission to transfer my account or my info to Barclays. Within a few days credit cards arrived demonstrating that they had done exactly what I told them not to. Somehow there were even charges on the card even though we shredded them the day they arrived and never used them. I have written to Barclays and XXXX and called both numerous times and to this day the {$25000.00} account remains open. I did receive a statement with a zero balance months ago but see through XXXX that the account remains open. I also disputed this through XXXX. I have literally been transfered from one country to another in an attempt to close this account. My most recent contact was a call to Barclays several weeks ago again asking that the card be closed and that I receive documentation stating such. I have not received any communication from them.
Consumer complaint received 2022-12-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: COMMERCE BANK (KS)

I noticed that there were erroneous service charges from the bank to my account as well as unusual interest payments. Along with this, the account balance wasn't calculating correctly to the charges/credits that were listed in online account ledger. For example there was a {$11.00} service fee but the account balance increased instead of decreasing, the interest payments weren't increasing or decreasing the account balance. I called the bank to find out what's going on and the customer service person acknowleged that they were aware of the issue and working on it but that i would not see additional line items in my account ledger fixing it, they were just going to correct the total balance in the back ground. I informed them that i was not ok with them not listing the corrections as line items so i could balance my account correctly. I asked for a formal complaint on this and they informed me that they would file the complaint. I recieve nothing inidcating that they acutally filed the complaint. A month later i saw the total balance correct, but no line items indicating what they did to fix it. I'm not ok with them taking money out or adding it back in to my account without listing the transactions so i can keep it balanced on my end and ensure they're not making further mistakes. Attached is a screenshot of the account ledger.
Consumer complaint received 2022-12-30
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: ALLY FINANCIAL INC. (GA)

15 USC 6802 company never disclosed my right to opt out clearly and i never gave permission to report to credit bureaus. which is a consumer law violation 15 USC 1602 means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 15 USC 1602 i received absolutely no benefit from them running my credit card which is a consumer law violation.

15 USC 1611 gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder.
Consumer complaint received 2023-05-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

Experian is reporting inaccurate and unverifiable information and has effected my lively hood. Because of this I have been denied jobs, housing and credit lines. Below I have attached a screen shot of the accounts that are inaccurately reporting per consumer protection law.
Consumer complaint received 2020-03-18
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. (NC)

XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX DPT ED/XXXX  Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX DPT ED/XXXX  XXXX XXXX XXXX XXXX XXXX   XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX  DPT ED/XXXX
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I have been sending written correspondence to Experian since XXXX of this year to remove old addresses, names and incorrect XXXX that are still showing on my credit report until today. I just logged into my Experian account and it is all still there, and very inaccurate. 

When I attempt to dispute it, using their platform I am stonewalled each time. I understand that they are very busy and have a full workload, but I do not know what else to do at this point. It has been literally 9 months of this nonsense and absolutely zero results or progress. 

The crisis with XXXX and their false reporting and subsequent Federal investigation has my confidence in these bureaus and their capabilities to wavering substaintally.
Consumer complaint received 2021-06-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

I was charged multiple overdraft fees and not able to remedy with Bank of America directly. I submitted a request to pay my credit card off with Bank of America early, instead they withdraw the funds that are not there due to a previous transaction and take my account balance negative. I attempt to add funds through electronic transfer, the transfer is completed and should cover the negative balance but then and I am assessed another insufficient funds fee because my account is negative BECAUSE of the insufficient fund fee for the electronic transfer taking more than 24hours. I have to move funds gain but by that time it is too late. Bank of America will not refuse to process transactions where an insufficient fund fee would occur unless I sign up for a special membership account and pay a monthly fee of {$5.00}. That is {$60.00} per year, that doesn't make sense. I asked to submit a complaint direclty to Bank of America over the phone and I was initially told I couldn't do that. Then they told me that Bank of America takes too long to review complaints so its not going to help. How is that possible? Maybe because Bank of America is just taking money from folks and everybody is submitting a complaint with merit? Totally disappointing since I do almost all banking with Bank of America for last 15 years but I guess greed always wins out. I reviewed earlier transactions to make sure I wasn't missing anything and I see that Bank of America posted the same fee for a transaction that wasn't even completed on XX/XX/XXXX! Bank of America will charge the fee no matter what under the guise that they are doing me a favor. Transactions took place on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of this year. Attached copy of transactions with amounts. I called Bank of America today and spoke to XXXX from Alabama XXXX XX/XX/21 ).
Consumer complaint received 2022-03-26
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)

Theres are XXXX closed accounts that are showing opened still and its increasing balances every other month. XXXX XXXX  and XXXX XXXX XXXX. First Both are not mines second, theyre opened even though they supposed to be charged off with balance increasing almost monthly. XXXX with a little over XXXX now showing almost XXXX balance? Please investigate, validate and remove. I belive its fraudulent on what theyre doing. Screenshots are provided
Consumer complaint received 2020-03-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R.M. Galicia, Inc. (VA)

On a routine credit report, I found a notification that I may have an unpaid balance of {$180.00} based on a bill from XXXX XXXX XXXX. This was my first notification on this matter. I have received no notifications, bills, calls, online notes or any information about this, zero. Also, when I periodically reviewed the XXXX billing website, I found no notification that I owed any unpaid amount to XXXX. I have always paid other bills with XXXX and this was a complete surprise! 

On XX/XX/XXXX, after reviewing my credit report, I contacted the XXXX XXXX XXXX by phone. XXXX would not provide any information regarding the specifics documenting the debt or any confirmation that I was ever notified ( other than XXXX indicating that the debt was based on unspecified XXXX   XXXX  for an unspecified patient, on XX/XX/XXXX ). I also confirmed that XXXX has my correct mailing address and contact information. 

Subsequently, In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), on XX/XX/XXXX, I called the Collection Manager at Progressive Management Systems in XXXX XXXX, CA. They noted that they had not contacted me about the debt but would provide no information or any verification that this debt was owed and the nature of the debt. 



I thereafter, contacted the collection agency by mail, and requested they provide me with a validation of the debt noted above. Please note, I did not provide a refusal to pay, rather I am disputing this claim and requested validation based on 15 USC 1692g Sec. 809 ( b ). 

I still have received no information by any mean from either XXXX or the Progressive.
Consumer complaint received 2023-03-16
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: Cedars Business Services, LLC (AR)

XXXX, XXXX and Cedars Business Service has been sent letters and called numerous times about fraudulent activity that has been listed on my credit report. I have asked for verification paperwork and they will sometimes send stuff and sometimes it's limited.Also they sent paperwork once but could not produce a signature or video or anything to show that I started the accounts. 

The US Government was involved in a big case about my information and a few other people who information was stolen. It included our social security cards, drivers license etc. I even had money come up not going into my accounts due to the fraud situations. They was shopping and everything with my work check. I submitted information to the creditors but they still never investigated the incidents but instead stated it was verified. 

They keep asking for affidavits but if the federal government wasn't able to find the people involved why would I keep doing this. They have violated rules and regulations thereunder, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the rules and regulations thereunder, Arkansas General Business Law because they state checks was deposited into my checking account. They are improperly holding me liable for the fraud on an account; failing to delete inaccurate, derogatory information from credit reporting legal obligations and negative reporting. 

I was forced to relocate across the country and was effectively forced out of the mainstream banking system. Because defendants like this and XXXX violated the FCRA and the rules and regulations thereunder, the Arkansas Fair Credit Reporting Act ( Arkansas General Business Law ) ( AR FCRA ), and state common law, by failing to properly reinvestigate my disputes of inaccurate, derogatory information on my report and by misreporting and failing to delete inaccurate information on my report, thus damaging my ability to open a bank account etc.
Consumer complaint received 2022-12-29
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: EQUIFAX, INC. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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 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 XXXX XXXX XXXX
Consumer complaint received 2021-06-17
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. (FL)

On XX/XX/2021, I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2020-03-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (TX)

In reviewing my credit I found that Diversified Consultants was claiming that I owe {$830.00}, On XX/XX/2020, I mail a letter to them informing them that I am disputing the information and I would like them to send me additional information this alleged debt. 

After month past, and I did not received a response from them and I sent them a second letter asking them to send me information on this account. 

I would like to resolve this matter and I have tried to reached out to them on several occasions asking them to verify the information, If they can send me information that this account is mine, I would had not mine to set-up a payment arrangement or a settlement. 

I have reach out to another Debt collectors on a other Item I had on my report and they send me the information that I requested. A couple days later they provided me with the information, I later called them and set-up a payment plan and the account is now resolve.

Since, this attorney/ Debt collector has not been able to send me proof that this is my debit, I have given them a couple of months. 

I am asking that you help me, I am asking that they removed the incorrect on all three credit bureaus. 


Sincerely yours, XXXX XXXX
Consumer complaint received 2020-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MT)

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX DPT ED/XXXX XXXX XXXX/XXXX  DEPT OF ED/XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX DPT ED/XXXX XXXX XXXX/XXXX  DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX DPT ED/XXXX XXXX XXXX/XXXX DEPT OF ED/XXXX
Consumer complaint received 2023-02-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC (LA)

In XXXX 2022, I became a victim of a scam thru phishing. The scammers gained access to a zelle account that I have used once, several years ago. They removed {$500.00} from my checking account. Neither XXXX nor Zelle would return my funds. I have since deactivated the Zelle account, although its still listed in my account.
Consumer complaint received 2020-03-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cascade Capital, LLC (VA)

I received this bill today ( XX/XX/20 ), but I received notification through your site earlier this week that Cascade had closed something out, with no explanation of what it was. Therefore, I'm reporting this in case it's something different. However, the issue is the same as I reported a couple of weeks ago with XXXX XXXX XXXX XXXX. They're saying I owe this money, but it's been nearly three years, and, until today, I didn't know anything about it. I never received an initial bill nor any follow-up past-due notices. As far as I'm concerned, I do not owe this as I paid my portion of any and all bills I received from other organizations during the months following my hospital stay. Please verify that this is closed. Thank you.