davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (OH)

I have been a consumer of citi bank credit card and XXXX  XXXX XXXX for many years. I am a hard working law abiding citizen who believes in a persons second amendment rights. I have never been in trouble with the law and my tax dollars bailed out these 2 companies when their incompetence got them into serious trouble. Now these 2 companies want to restrict the second amendment rights of Americans who bailed them out? I dont think major corporations should be able to make their own laws especially in contradiction to the us constitution. If they are allowed to do this whats next? They dont have to provide services based on the color of your skin? Or maybe because they disagree with your political view? Not being able to get a home loan, not because you have bad credit but because the bank doesnt like you for ... ... fill in the blank. I fortunately have the ability to drop my longstanding relationships with these companies but some may not have that option. This is wrong, this is going down a slippery slope and it should not be allowed to stand.
Consumer complaint received 2019-06-30
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. (RI)

Hi, on XX/XX/2019 Equifax received a letter sent by me by cerified mail returned receipt via the USPS requesting that they show me the visable proof they have on their files of the contracts or agreements i have signed with the items they have on my credit file. They answered back with a letter saying that i disputed some items which i did not, it was not a dispute, it was to see what proof they have on their files that those items on my file are mines. They said that they verified the items as accurate, they also said to canotact the furnisher of information about those items which i did and NONE of them have responded in more than 30 days violating the FDCPA. I sent a seconf letter to Equifax on XX/XX/2019 telling them again that i did not dispute those items and that i did already conatct the furnishers and none have answered me. So if the furnishers provided evidence that those accounts are mine to Equifax i want to see them, i want to see what evidence they have that those items belong to me since none of the furnisher have responded to my request, I asked them to tell me what person verified those items and using what method were those items " verified ''. those 3 items in my credit file were NOT open by me i do not know where they came from, im in the process of applying for a mortgage and just found out i had those 3 negative items on my file.This is hurting my ability to obtain a mortgage for a home formy family and to obtain credit and loans. i would like those 3 items removed. Attached are both letters i have sent them. Please help me
Consumer complaint received 2024-03-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (FL)

I attempted to transfer funds from my Marcus by Goldman Sachs savings account at the beginning of XXXX. After calling on XX/XX/XXXX to inquire about the transfer, I was informed that my identity couldn't be verified since my phone number wasnt registered under my name. They promised to send me an affidavit of identity to complete, notarize, and return. As of XX/XX/2024, I still haven't received anything. I contacted them again on XX/XX/XXXX regarding my frozen account and the missing affidavit. Despite getting a new phone number under my name, they couldn't identify me due to the new number not being processed yet. They informed me that the affidavit hadn't been approved by higher-ups so they hadnt sent it out. On XX/XX/XXXX, after another call, they unfroze my account and allowed transfers for funds held for at least 90 days. However, my transfer request was denied once more, with the representative mentioning that Florida, my state, isn't a " verified state. '' Im not quite sure what that means or why they never mentioned this beforehand. Another case was opened, the representative told me that someone will call me but no timeframe for resolution was provided. It's been almost a month of struggling to access my savings, and the situation is becoming increasingly frustrating.
Consumer complaint received 2023-08-17
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 (TX)

# 1 ) We are a victim of the {$35.00} overdraft fee ( not once but twice in XX/XX/XXXX ) settlement that Bofa made with CFPB. Attached news article regarding this. 

We have been a loyal customer for more than 15 years and yet when asked them respecfully to waive the fees they declined, despite escalating it to the rep 's manager ( XXXX - id XXXX ). Her manager XXXX wasn't available to discuss the matter. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX Below is an excerpt from the article : " Bank of America eliminated all non-sufficient fund fees and reduced overdraft fees from {$35.00} to {$10.00} in the first half of XXXX. As a result, " revenue from these fees has dropped more than 90 percent, the bank said in a statement to XXXX XXXX '' -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - # 2 ) We have also been charged {$12.00} " Monthly Maintenance Fee '' - the minimum balance was {$750.00} - at some time it was raised to {$1500.00} - we kept thinking it was the former out of habit and we were out of country for 3 months in XXXX when we were charged this fee 3 times. The rep was able to refund us the fee for 1 month but refused to do so for the other 2.
Consumer complaint received 2018-04-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (TX)

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against PRO COLLECT. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police  report 3. informed the state of Texas
Consumer complaint received 2023-01-03
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. (SC)

My only name is XXXX XXXX. Please remove any and all other names reported. 
My only address is XXXX XXXX  XXXX. Please remove any and all other addresses reported.
Consumer complaint received 2022-12-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im homeless n cant provide to mXXXX XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Fidelity National Information Services, Inc. (FNIS) (NY)

I am a victim of identity theft. When I discovered the identity theft I checked my credit reports and found several items that were not authorized by me. I attempted to reach Chexsystems via phone but was unsuccessful so I am filing this complaint in hopes that my dispute will be heard. The following inquiries are showing on my chexsystems  report but they were not authorized by me and are a result of the identity theft I am suffering. Some of the inquiries appeared on multiple days and if I include the financial institution in this dispute it means I wish to dispute all inquiries by that institution. The inquiries that were not authorized by me that I am disputing are : 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 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 XXXX XXXX XXXX XXXX  XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX This is the end of my dispute.
Consumer complaint received 2024-01-29
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. (NJ)

This is one of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I received a collection notice from this collection agency which is unknown and what is weird they are not even license to collect in my state. I mailed a notice requesting validation and nothing has ever been received. I informed them in writing I am disputing this. Nothing has been received and I was just alerted now it is listed on my personal credit file. Please help
Consumer complaint received 2022-07-21
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. (SC)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2023-09-13
Product: Vehicle loan or lease — Lease
Issue: Repossession — Notice to repossess
Company: Mercedes Benz Financial Services (CA)

MERCEDES BENZ FINANCIAL is in violation of privacy act 1974, I didnt give MERCEDES BENZ FINANCIAL Consent to report my personal information I also dont remember doing any business with this company please remove this from my report immediately, do to MERCEDES BENZ FINANCIAL violating my privacy rights, I have been Suffering emotional damage when it comes to purchasing a home for my children not only that I am suffering but my kids as well, this is call pain and suffering, I have been humiliated. I will like to opt out of this charge off, 15 U.S.C 6802-15 U.S.Code 6804 Obligations with respect to disclosures of personal information. Do to sending my information to a nonaffiliated third party such as XXXX and XXXX other fraud has been committed under my name. Please show me where I gave Mas Financial the consent to share my personal information to these institutions. 
15 U.S.C 6501-15 U.S.C 6505.

433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.
Consumer complaint received 2016-11-29
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (TX)

I made a student loan payment on time, received confirmation, but Wells Fargo says I did not pay for that date, even though I did, and the payment confirmation shows so. 
I sent proof to XXXX XXXX at the executive office over a week ago. But thus far, I have not heard back from XXXX XXXX, despite several emails and phone calls. 
Would you be so kind and find out why their own payment confirmations dont seem to be sufficient to proof that a payment for the due date shown was made. 
Thank you, XXXX XXXX
Consumer complaint received 2022-07-21
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. (TX)

I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any account not later than 4 business days after the XX/XX/XXXX Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 


Also please BLOCK AND REMOVE the ACCOUNTS resulting from alleged identity theft.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 2024-01-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I urgently address my dissatisfaction with the handling of my credit file. Despite an identity theft report filed on Identitytheft.gov, other credit bureaus have promptly confirmed its validity and removed the fraudulent account. The fraudulent account, linked to XXXX XXXX XXXX, has been acknowledged as fraudulent by XXXX XXXX  XXXX and they assured immediate removal from my credit report.
Consumer complaint received 2017-05-30
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. (IN)

I disputed a judgement with Equifax case #  XXXX  that was reporting inaccurate. Equifax sent me my results back as the item had been deleted.  Three days l ater I checked my report it was still showing inaccurate. I called Equifax to see what was going on. after been on hold for over an hour with the first rep, then she transferred me to the mixed dept after going back and forth with the Rep she then refused to let me speak to a supervisor. She came back on the line and said that the supervisor stated that the results we 're sent to me in error they we 're not complete. I then told her that they we 're out of the 30 days window. She then reply that there was nothing she could do that the results were complete.
Consumer complaint received 2021-04-19
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 re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC (CA)

Consumer Financial Protection Bureau, I hope your day has been great, and I'm happy there will be some justice with this matter after you get a hold of it. 

Unauthorized Hard Inquiries XXXX XXXX XXXX  XXXX Credo  - XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX - XXXX
Consumer complaint received 2023-07-26
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: Total Card, Inc. (CA)

This is a formal complaint against XXXX. I asked XXXX for a human review of the late credit card payments placed in my credit file from companies : Total Card XXXX ; and XXXX XXXX XXXX, to provide me with written proof of their compliance with Law 16 USC 1666B. I want Total ; and XXXX XXXX XXXX to remove the credit card late fees reported on closed accounts with XXXX balances. The late payment reports are with XXXX XXXX and XXXX. This credit card accounts are closed. Additionally, the date of the late payments are not accurate. I mailed certified letters to XXXX on XX/XX/2023. After 30 days I did NOT receive communications from XXXX regarding my written request. On XX/XX/2023, I mailed second notices to XXXX via certified mail. I requested XXXX to show me written proof of their manual human investigation Total, and XXXX XXXX XXXX credit cards. On XX/XX/2023 XXXX notified me via email. The email notification informed me that the results of my disputes are ready to view online. In order to review the results I had to log on to my XXXX account online. Unfortunately, XXXX did not complete a manual investigation. XXXX did not respond to my written request within 30 days nor did they provide written proof of the investigation nor did they provide me with proof of the creditors compliance to Law 16 USC 1666B. I want XXXX XXXX XXXX to remove the late payment report they reported to my credit reports with XXXX XXXX and XXXX.
Consumer complaint received 2018-02-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (LA)

Sorry for the delay but CFPB must see the " shallow '' response from XXXX XXXX. Again, I submitted to CFPB a copy of the payment schedule as well as the contract via net credit. with my last complaint for CFPB 's view. I am not paying a " lower '' but a higher interest when the terms of my loans were changed which does not reflect anywhere on my contract. CFPB has been silent in this ongoing complaint against this company and I would like to see what you think. I have no " amortization '' sheet! I am going by my contract which does not at all include that the company may " change '' my loan term and charge me at a higher interest rate! I did not agree nor " sign '' to the changing of my loan especially to pay added interest because this company appears to be " A predator lender! '' Make no mistake I will not stop until things are made right and there are laws that actually protect consumers from this type of lending!