davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-25
Product: Credit card — 
Issue: Privacy — 
Company: CITIBANK, N.A. (NY)

Costco opened up and authorized Citibank to open a XXXX account in my name. My previous Costco card as from XXXX XXXX. Back in XXXX, I had expressed to XXXX XXXX that I did not want any other XXXX XXXX cards, and specifically inquired about how the account would close. I was told it would automatically close in XXXX of 2016. XXXX of this past year, I again inquired to confirm that the account would close on its own in XXXX of 2016. I again expressed to XXXX XXXX, who was trying to convince me to sign on to another type of XXXX card, that I had no interest. We already had XXXX XXXX XXXX XXXX and XXXX XXXX card. I received a Citibank Visa card last week from XXXX, when I called citi, they stated that all of XXXX XXXX XXXX accounts were turned over to Citi and that we were notified in each statement with leaflets that this change were to take place. 

I never authorized anyone to open an account for me at Citi. I never authorized anyone at Citi to run my credit. I have since tried to call Citi to no avail because of the large demand from Consumers calling Citi regarding their new Costco card. I was told from my first conversation with Citi, that the new account would close on its own after two years of non-use. The people at Citi also proceeded to tell me if I were to close the account it would hurt my credit score. They then proceeded to explain the wonderful benefits of owning their credit card. 

I am absolutely disgusted with how my account was opened without my permission or authorization. I think this credit system of losing points on your credit score because of closing accounts is wrong and insulting. I have always paid my bills on time, and never have been late. I purposely make sure my credits watched and managed closely. To have them open an account without my permission is an invasion of my personal privacy. I would like the account closed, and done so in a manner that DOES NOT REFLECT ON MY CREDIT. I want it closed by them acknowledging to the credit bureau it was opened inadvertently and without my permission or authorization.
Consumer complaint received 2015-05-28
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Frederick J. Hanna & Associates, P.C. (closed) (GA)

We were served with a law suit from fred j hanna law firm and since being put on an automatic payment arrangement we have not received any information. We also believe the amount that was requested was over the amount we owe.
Consumer complaint received 2022-12-02
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. (NH)

In accordance with the Fair Credit Reporting Act XXXXXXXX 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, has violated my rights.

15 U.S.C. 1681 Section 602 A states that I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2018-06-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2018 my account was charged an unauthorized amount for {$890.00} from XXXX. This charge was was not authorized by me. I have reached out to XXXX to refund me but they have refused, so I called my Chase bank who I thought would help me but they did not get my funds back. I am so heartbroken and have low funds due to this. Someone please help me recover this so I can pay my rent I will be living on the street with my XXXX year old daughter someone please give me a solution.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

TODAYS XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX CEDAR XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department po box XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX 


I recently submitted a request for investigation of an Acct Number : XXXX XXXXXXXX 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 Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX CEDAR XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2019-11-14
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. (FL)

This happened sometime ago, but Equifax was involved in my Identity being stolen and my nightmare beginning. At one point in Life I had A1 Credit scoring, now it is below 500. I lost my job, so I used my credit cards to pay bills and so on, but when my identity was misused and literally stolen. I thought my world came crushing down on me. I beg of you to further investigate this case and let me know if there any possibility that I may have some closure to this. 

Respectfully yours, XXXX XXXX XXXX # ( XXXX ) XXXX
Consumer complaint received 2018-06-29
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

For almost 10 years, I had a checkings and savings account with Bank of America. The minimum monthly balance requirement on the account was {$25.00}, and for years I maintained exactly that balance, never incurring an maintenance fee. Without notifying my, sometime in early 2018, BofA raised their minimum balance requirement to {$300.00}. All of a sudden, for 5 months in a row I was charged a {$5.00} maintenance fee without any idea why. I just spoke with them on the phone, and they told me that the maintenance amount never increased, which is simply and demonstrably false. I double checked my email as well ( I have paperless billing ) and never received notification of the increase.
Consumer complaint received 2022-02-22
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ALLY FINANCIAL INC. (TX)

ALLY received written notice of my intent to rescind the transaction on XXXX occasions. The XXXX recent formal notices to rescind was recieved by ALLY on XX/XX/2021 and XX/XX/2021. 
Pursuant to 15 USC 1635 ( a ), ALLY is required to disclose clearly and conspicuously my right to rescind in regards to ANY transaction in which a security interest IS retained or acquired in ANY PROPERTY which is used a the principal dwelling ( residential structure or mobile home ) of whom the credit was extended. Upon receipt of my notice, ALLY continued to act illegally against me. ALLY decided to report my account as a charge off, threaten and take action to repossess my dwelling, AND made it clear that they would not release any security interest. 
15 USC 1635 ( b ) clearly states the laws that ALLY is suppose to follow and their actions and words to me are a direct violation.
Consumer complaint received 2021-12-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NM)

XXXX or also called loancare, For the last 3 years I've purchased home owners and paid my agent directly for the full year. Each year my insurance agent has sent Loancare proof of insurance. XXXX moths ago Loancare added hazard insurance to my loan raising my monthly. They also said my escrow XXXX is behind in funds raising my monthly approx {$200.00}. I asked about the insurance payments going to escrow XXXX, I was told the insurance company refunded Loancare and they added to my escrow XXXX. 

My loancare XXXX is so messed up I can't get anyone to help me after contacting them several times, they were to create an analysis and contact me back, never happened, I only receive automated calls. They are now saying my XXXX is behind in payments, I have proof from my back using bill pay that every payment is sent out on XXXX of each month.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2021-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AFNI INC. (GA)

This complaint is about AFNI and their unethical business practices. The debt they are attempting to collect is from a XXXX account that unfairly charged me cancellation fees after they verbally confirmed that due to moving to an address outside of their service area, I will not have to pay the {$250.00} fee. 

AFNI reached out via mail in 2018 about the debt, but has been listing the debt as " new '' on collections which is inaccurate. This unscrupulous practice has wreaked havoc on my credit score as a result, and this misrepresentation on my account is simply not true. Based on other reviews on XXXX it appears this is one of their regularly used tactics which is shameful to say the least.

They should be listing the ACTUAL date of the initial debt and not lie when reporting it to credit bureaus.
Consumer complaint received 2020-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX and TransUnion are both indicating that I am disputing the account with XXXX XXXX and I am not. I requested they remove the verbiage that the account is in dispute and it still reports that. This thing hasn't been disputed in almost 6 months.
Consumer complaint received 2018-08-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (NV)

This bank is charging their monthly fee of {$6.00} into my checking account on after hours ( after XXXX ) XXXX and the next day they want to charge me a {$36.00} overdraft fee because they pushed their fee after hours in my account which was higher than the {$5.00} treshhold and they want to penaltize me for it too ... 

This is TRUE ROBBERY ... my account was not over draft or any thing and it is ver draft because they are pushing their own fees and then want to tackle another {$36.00} to fatten their own pockets ... 

I want the {$36.00} removed ASAP ... my account was pushed into the red only because of the monthly bank fee not that they paid any amount for me rejected any thing ... .it is all because of their own fees. 

I want the {$36.00} to be removed asap!
Consumer complaint received 2021-06-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo is committing fraud against me. I currently have a CFPB complaint against Wells Fargo XXXX ID # XXXX ), in which I reported violations they have made against me. However, since this complaint initiated, Wells Fargo has proceeded to create additional accounts without my consent to continue their attempts to collect an alleged debt. Proof of such claim is attached to this new complaint, and you can also verify this by comparing all the information provided in the still pending complaint I have against Wells Fargo. This is completely unlawful and abusive. Wells Fargo is breaking the law pursuant to the Fair Debt Collections Practices Act ( FDCPA ). I demand and direct Wells Fargo to close all credit card accounts they have opened with my name to be closed immediately. Wells Fargo is still liable for all statutory damages that I have endured ( refer to initial CFPB complaint ID stated herein ). Therefore, I now further demand Wells Fargo to stop their fraudulent acts and to compensate me for all individual actions and trespassing against me.
Consumer complaint received 2019-07-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I have sent three requests to Porfolio Recovery asking them to provide me with the documentation required by law for this company to leave this information on my credit profiles. Porfolio Recovery has refused to respond. I am also sending a formal complaint to the Virginia state attorney general and to the FTC. I was told to try this before being forced to file suit seeking the maximum monetary award allowed under the law as this derogatory entry is stopping me from purchasing a home. I also plan to sue for fraud as this company has opened an account under my name without my permission.

****************************************************************************************** I am demanding the following as required by law : * Documents bearing my signature ( Fair Credi

t Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. ) * Documentation used to verify this debt * Any documentation that shows Verifiable Proof that this judgement is mine. *Documents that show this alleged debt is not past its SOL *Proof that you are legally allowed to collect on this debt.
****************************************************************************************** If Portfolio Recovery can not provide me with the proof required I would like a letter stating that these items are being deleted from all of my credit of reports.
Consumer complaint received 2018-06-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hewitt-Capital (TX)

XX/XX/2018 at XXXX am XXXX. I received a call from XXXX XXXX that stated he was calling from the pre legal department of XXXX XXXX. XXXX XXXX left me a voice mail requesting to speak with me by first and last name about my file with the company and provided a file number XXXX at phone number XXXX ext. XXXX. I returned the call and XXXX XXXX answered and I identified myself by first and last name and stated that I was returning the call for the message left on my voicemail. At that moment the phone disconnected. I called back and identified myself again by first and last name, stated that the line was disconnected, and stated that I was calling to inquire about the nature of my business with their company. XXXX XXXX was rude and abrasive stated to me that he was going to drop leading proceedings against me and that he has been doing what he has been doing for 31 years. I provided XXXX XXXX the file number and he then stated the name of the party he was trying to reach. I told XXXX XXXX that I am not the person he is trying to reach. XXXX XXXX began talking over me the remainder of call including giving out another person 's social security number. I informed XXXX XXXX that he gave me someone else 's social security number and XXXX XXXX disconnected the call. I called XXXX XXXX again and as soon as he answered I informed him this was not the person he was trying to reach he began talking over me again.
Consumer complaint received 2018-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

On XX/XX/XXXX I filed a complaint against Equifax ( XXXX ) stating that they were reporting information on my credit report that is directly related to the unauthorized and illegal use of my identity back in XX/XX/XXXX/XX/XX/XXXX. Despite my efforts to work this out with Equifax, providing them with substantial proof to support my position, Equifax has failed to rectify this situation. In the company 's response, they stated that they were able to confirm that the accounts were mine and that I opened said accounts. I, however, never disputed that the accounts were mine, yet in fact, I admit that I did open these accounts. The issue for which I am disputing is the transactions that were made on the account for which I DID NOT authorize. If a proper investigation is done, you will see that I did, in fact, call in and inform XXXX of the situation back in XXXX, I have documented this incident TWO times with the FTC, I have filed an NCIC report to document this unauthorized activity, and I sought legal action against the culprit. Yet, Equifax, XXXX, and XXXX have not been able to provide the evidence to support that it was I who made these transactions. Therefore, Equifax 's failure to block this information from my credit report is in direct violation of section 605B of the Fair Credit Reporting Act. So, in accordance with the aforementioned policy, I ask that these inaccurate items be promptly removed from my credit report.
Consumer complaint received 2022-02-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: HYUNDAI CAPITAL AMERICA (CA)

I contacted Kia financial last week to request an extension due to financial hardship ( covid ) and the representative who represents the company said I did not qualify for one until a year of making full payments from the last extension I received. So I asked her to read me the dates of my prior extensions I had one in XX/XX/2018 and a few months later in XXXX 2018 i had received another one. So, I asked her how was it that i received back to back extensions that did not require a full year of payments. She could not explain it to me so her answer was extensions are a courtesy. I asked her if the extensions were indicated in the initial contract I signed she could not answer. She then put me on hold spoke with a Supervisor and came back on the line and said I just spoke with my supervisor and we need only two payments to be made to qualify you. I was confused at all the inaccurate information I was receiving. I came across civil code XXXX ( a ) and XXXX which states that 180 days after the state declares that the emergency related to the COVID-19 disease has ended, no service may ( d ) repossess or give notice of intent to repossess a mobile home or motor vehicle. Secondly under civil code XXXX ( b ) On a car contract, the initial required forbearance period is 90 days. Civil code XXXX ( b ) on the borrowers request, the forbearance period must be extended throughout the covid 19 emergency period and for 180 days thereafter. During the forbearance period, the services may not assess, accrue, or apply to a borrowers account any fees, penalties or additional interest beyond the amounts scheduled or calculated as if the borrower made all required payments on time and in full. Civil code XXXX ( b ), XXXX ( c ). Thus the servicer will receive no interest or compensation for the delay in receiving payments that would have fallen due during the forbearance period. Today I called and spoke with a representative requested an extension and was denied saying that I needed 4 more payments to qualify for an extension. I went ahead and explained to the representative the civil codes in effect and he didnt care pretended he understood, but did not have any clue about what I was talking about and became dismissive. He stated he would submit a customer complaint. I also requested a copy of my contract signed by both parties. As of today I have not received a call back or a copy of such contract. I need some assistance in fixing this issue or continue with a claim agains them.
Consumer complaint received 2021-03-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (FL)

PayPal has closed or in their words permanently limited my account. W They have been no help to assist me with the issue. I was made aware that I can file a complaint here so hopefully this makes a difference. My email address is XXXX.
Consumer complaint received 2019-10-09
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (TX)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that SANTANDER CONSUMER U has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!