davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ZIONS BANCORPORATION (UT)

I had a checking account with Zions Bank. It was in a negative status and ended up closing. The debt was transferred to XXXX XXXX who reported on XX/XX/19 the debt owed was {$650.00}. Today XX/XX/19, XXXX XXXX called me to obtain payment. They advised the balance is {$750.00}. I asked why the balance was higher and was told it was other fees that Zions sent over and it will take up to 30 days to find out. I was then notified that this is accruing 18 % interest and I better get it taken care of. Yes find it completely unfair I was never mailed anything on this or told that interest would be accruing. I advised I am waiting on my tax return and asked if I could start smaller payments. I was told someone else would have to help me and was transferred. The second person I asked why I couldnt settle the account and why there were other fees and was told it was probably the interest. I wasnt aware interest could be charged after the debt was charged off and reported. Nothing was mailed or disclosed to me until now. I have been trying to come up with the funds or I would have paid it sooner. I don appreciate the evasive answers and condescending tone that was used.
Consumer complaint received 2019-02-14
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (VA)

On XX/XX/XXXX, I mailed letters to XXXX, Experian, and XXXX XXXX ; asking them to investigate errors on my credit report. They were supposed to respond within 30 days, but they have not.
Consumer complaint received 2018-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Experian Information Solutions Inc. (OK)

It is impossible to close my month to month membership with experian.com. when i call, the only options through the automated system are to report fraud or to request a credit report copy. When you search through the site on how to cancel, they direct you to the membership profile page but its a read only platform that doesnt allow you to cancel or reduce your coverage as they claim you can do.
Consumer complaint received 2019-02-14
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: EQUIFAX, INC. (FL)

EQUIFAX, XXXX AND XXXX  ARE REPORTING IN ACCURATE INFORMATION ON MY CREDIT REPORT. 

EQUIFAX : ACCOUNT XXXX XXXX XXXX ACCOUNT XXXX ACCOUNT XXXX CHILD SUPPORT ACCOUNT XXXX XXXX   XXXX XXXX XXXX / XXXX XXXX  XXXX- IS NOT MINE ACCOUNT XXXX XXXX XXXX XXXX IS NOT MINE  XXXX : XXXX XXXX XXXX, FL XXXX- IS NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX- IS NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX- IS NOT MINE XXXX XXXX XXXX XXXX XXXX, FL XXXX- IS NOT MINE
Consumer complaint received 2019-02-14
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: Experian Information Solutions Inc. (GA)

I'm in the market for anew XXXX XXXX so went to see about getting one from XXXX XXXX but did not get approved so I checked my credit report and I see a couple of items that are not mine. I contacted my local police and the FTC. I'm working on my own behalf. I need these items removed from my credit report because this is a complete inconvenience. 01 XXXX XXXX, 07 XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX.
Consumer complaint received 2019-02-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

I was attempting to buy concert tickets from a listing on XXXX. He suggested to use XXXX since it was involved with the the major banks of XXXX XXXX  XXXX, his bank, and Wells Fargo, my bank. He told me he would electronically transfer the tickets to my XXXX account upon receiving the XXXX XXXX, and I would get an email of the notification. No such email was rec 'd by me. He called me a few minutes later to tell me that the XXXX transfer did not go through because we haven't done it before with each other, and I needed to call the bank to confirm the transfer.This was my first time using XXXX. I called to file a fraud claim with Wells Fargo, they said the transfer had indeed been completed. I told Wells Fargo that they are facilitating fraud with other banks if there is no mechanism to unwind an unfulfilled, fraudulent transaction. It's simply wrong in this electronic age to allow banks to facilitate a fraudulent transfer of money, since two step verification with a security code can be installed to protect the sender and receiver in multiple steps of a transaction. 

The amount in question is {$200.00}.
Consumer complaint received 2023-01-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (CA)

I've been a customer with Wells Fargo since XXXX. I previously reached out to them in XX/XX/XXXX to be part of the previous class action settlement. 

In part, this was my message to them : " Unfortunately I have never been one to be in tune with the news and had previously overlooked this settlement. It was not until recently that a peer pointed this out to me and I believe I fit the criteria of a settlement class member for several reasons. 

For one, I was nudged to take on services with my accounts in the mid XXXX that have since been exposed as services I should not have paid for. Regarding my checking account, I was paying XXXX XXXX monthly for an 'Identity Theft Protection ' service. Regarding my credit card, I had taken on a XXXX XXXX ' service with monthly charges depending on my outstanding balance. Because my outstanding balance was particularly high at this time, I recall being charged hundreds of dollars a month for this service for awhile. 

In addition, some years back I used to go to the XXXX XXXX XXXX in XXXX, CA fairly often. On XXXX particular visit when I went to the counter to make a withdrawal, the teller for some odd reason told me I was due to make a new account. I recall standing there for about XXXX minutes as he closed my original checking and savings accounts, only to give me new checking and savings accounts that pretty much mirrored the original ones. I didn't think much of this at that moment other than it being a waste of my time, but in XXXX, it appears the teller was creating a new account for me to meet a quota for himself. 

Though these experiences would XXXX XXXX most customers away, I would like to describe myself as someone who is very loyal, especially with an organization that I've been with and trusted since high school. I would like this relationship to continue for years to come, but I believe that Wells Fargo will need to do right by me by paying back funds that I never should have paid in the first place. '' In response to this inquiry, Wells Fargo said I was too late to be part of the settlement. Now that this had been revisited in XX/XX/XXXX with a new settlement, I'd like to ensure that I'm part of it.
Consumer complaint received 2019-02-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PlusFour, Inc (NV)

FINAL WARNING! 

As a result of my previous complaint, both myself and the CFPB have confirmed that this company did not send what was requested and what is mandatory to have in order to report to my credit. Their neglect to have any sufficient evidence and proof that the account belongs to me makes them in complete violation of the FCRA 623.

Thankfully, the CFPB representative just directed me to helpful legal authorities, but in an attempt to resolve it without suing the collection agency, I am giving them one last chance to delete the account immediately. I have  recorded my phone call as well with the CFPB of them stating that what was sent is not what was requested nor is it proper validation. 

An itemized bill that your agency typed up or printed out is not validation! An original contract bearing my signature is required according to the FCRA.
Consumer complaint received 2019-02-14
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (VA)

I made a promotional purchase through XXXX XXXX with an XXXX  XXXX credit card in XX/XX/XXXX. I was suppose to have until XX/XX/XXXX to pay off the promotional purchase without paying any interest. I had made several prior promotional purchases and several after that date. After I made the purchase ( I believe it was in XXXX ), XXXX XXXX closed out their credit card department and I received a letter that the account had been moved to Synchrony Bank and they would issue me a new card but all of the terms and conditions of my purchases with XXXX  XXXX would remain the same. I continued to make over payments on my account every month from XX/XX/XXXX to XX/XX/XXXX so all of my promotional purchases would be paid off in advance to avoid interest charge. When Synchrony Bank took over my account, they failed to apply my overpayments correctly. They applied them to the newest purchases instead of the oldest purchases. When I noticed what they were doing, I called and they said they would go back and properly apply my payments. Then I was told that my promotional payment ended in XX/XX/XXXX instead of XX/XX/XXXX. In XXXX, they charged my account with {$1600.00} interest charge because they said I failed to pay off my promotional purchase in time. When I called to talk to them about it, they opened up a complaint and said that I had failed to provide them with documentation to dispute the purchase in XXXX. I never disputed the purchase, only the interest because I paid it off prior to the expiration date. When I explained this to them, they told me the interest was not a disputable charge and I owed them the money.
Consumer complaint received 2023-01-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (OH)

In XXXX of XXXX I was contacted by a fake debt collector by the name of " XXXX XXXX '' within National Credit Systems. 

As a result, a fraudulent debt of {$6500.00} was put on my credit file related to " renting an apartment '' with no link to my home address history. 

I have disputed this fake collection to XXXX XXXX XXXX multiples times now on the CFPB. 

The credit reporting agencies are refusing to investigate & remove the fraudulent collection saying to " please contact the creditor '', being national credit systems. 

I have attempted to file a police report of this situation related to identity theft however it was not approved as this information is taking place online and not within my department " local jurisdiction ''. 

I have emailed national credit systems to remove the fraudulent debt with no response since XX/XX/XXXX. 

Today us XX/XX/XXXX and I do not feel Safe contacting national credit systems and need the CFPB government agency to order them to delete the collection from all platforms.
Consumer complaint received 2019-02-14
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: EQUIFAX, INC. (GA)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2019-09-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (GA)

I keep getting calls and letters from ERC in XXXX, FL about a XXXX XXXX XXXX XXXX account. ERC contends that I owe a debt to them, but when I followed up with XXXX XXXX XXXX to verify the " bad debt '', XXXX XXXX XXXX has no record of the account. No acct #, nor any other pertinent information that i am entitled to as a consumer to dispute. If XXXX XXXX XXXX can not verify the debt than ERC can not verify the debt, and therefore according to the FCRA they are not allowed to harass me at anytime for a " debt '' that can not be verified. I work hard to maintain my credit stature, and will not let any unlawful company threaten me.
Consumer complaint received 2019-02-14
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

i received as part of and lawsuit settlement from transunion an credit monitoring product called my true identity this product was to continue for 3 years and give me full access to all functions of the website. 

http : //www.XXXX/ The class action settlement was approved on XX/XX/XXXX, by the federal court in XXXX XXXX. Letters were mailed to all class members on XX/XX/XXXX, containing information about credit monitoring services. 
UNITED STATES DISTRICT COURT NORTHERN DISTRICT OF CALIFORNIA Background Infomation XXXX XXXX XXXX and XXXX XXXX XXXX ( the Class Representatives ) both filed class action lawsuits against TransUnion relating to the erroneous display, on certain credit file disclosures obtained online in XXXX, of information about the Office of Foreign Assets Control ( OFAC ). The lawsuits were filed under the Fair Credit Reporting Act ( FCRA ). 

The XXXX XXXX and TransUnion have reached a settlement of the lawsuits. The settlement provides that TransUnion will write a letter of apology to each class member, explaining that the OFAC information was included in the online disclosure due to a programming error, but was not transmitted to any third parties such as lenders. TransUnion corrected the programming error in XXXX, soon after it occurred. Further, TransUnion will offer each member a free, three-year Credit Monitoring Subscription, which includes daily access to TransUnion credit reports and daily access to a credit score. 

upon establishing this account i can not use the dispute process and have been transferred to many..many transunion representatives to no success in using the website or transunion contacts even including the special handling and attorney representatives as well. 

i believe i am being discriminated against because the of the lawsuit settlement. 

this has been the same ongoing practice since XXXX XXXX. 

i have filed complaint after complaint and still no resolve.
Consumer complaint received 2019-02-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIRST HORIZON BANK (SC)

I opened a business account with XXXX XXXX, I went to deposit some checks on XX/XX/XXXX. The teller said my account was closed, I asked why, she said I had closed it. I went home to look at my statement and the account was never closed by me and it had money in the account. I then called customer service and told them of their error, XXXX said the account was closed due to several return mail fees, she said someone would contact me within 5 days, later that day XXXX called me and said the account was closed due to return mail fees, he also stated it was my responsibility to notify the bank of an address change, he was shocked when I told him my address never changed, he said he would investigate and call back on XX/XX/XXXX after he talked to the branch. XX/XX/XXXX it was getting late so I called XXXX back asking for the explanation, he said the branch had no explanation, I asked him to reopen the account and put the money back into the account, he refused and said he could do nothing about it and it was up to the branch manager. I called the branch manager XXXX at XXXX XXXX XXXX, XXXX SC XXXX. XXXX stated they do NOT have any proof of returned mail but my account was charged for the returned mail fee, then charged every month after until all money in the account was depleted, they then closed the account. XXXX also stated they do this if an account is inactive hoping this will trigger the customer to question the fee, but the customer only has two weeks to dispute the fee. I believe this bank never sent a letter to begin with, the post office would stamp the letter saying return to sender with a date back to the bank and they would have proof it was sent. XXXX then refused to reopen the account and put the money back into the account. XXXX then offered me to reopen the account after I came in to sign a new contract for the account. I then understood what they were doing. This bank merged with another company and my original contact was with the former bank which had no monthly fees to service business accounts. XXXX XXXX not only fraudulently took money from my account for returned mail fees they never sent but also purposely closed the account so I would be forced to sign a new contract which included monthly fees to service business accounts. I also requested the explanation in writing from XXXX  XXXX and all parties refused. I have contacted an attorney.
Consumer complaint received 2023-01-28
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. (NC)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX , NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$490.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$1900.00} ; XXXX XXXX Balance : {$870.00} ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-01-07
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: NAVY FEDERAL CREDIT UNION (FL)

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : Navy Federal Credit Union Account # XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks
Consumer complaint received 2023-06-13
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. (NY)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (CA)

Several issues here : Issue # 1 : I submitted payments latest one being XX/XX/2019 in the amount of {$1500.00} to Discover via the android app. My payment was taken from my bank and applied to the card but the card did not reflect the payment. I called discover to inquire about this and they said they had to " call the bank for verification the funds were sent '', I have an outstanding payment history with Discover and have NEVER missed a single payment. I use my credit cards to avoid Fraud potential issues on my bank card. When they lock my card down for 8 days ( to call the bank ) it creates hardships as I am scared to use my bank card at gas pumps. I have never heard of a company having to call the bank to get fund transfer verification. This has happened twice now both consecutively. They refuse to unlock the paid amount with the first tech and I always have to ask for a supervisor. I have NEVER seen any credit card company do this. This happened previously in XXXX, after 4 days I had to contact Discover to find out why my card was still locked, I was NOT waiting that long this time. If the money cleared my bank the funds should be available. 

Issue # 2 : When I originally opened this card with Discover it was secured due to poor credit history from my ex-wife. I was told my card would graduate in 7 months if I had a great payment history which I do. on the 7th month I called in to see if it graduated, I was told the initial graduation was 8 months. I called in XX/XX/XXXX which was the 8th month, they told me it was 7 months and did not graduate. I have made every single payment, sometimes 2-3 a month on the card, it has been 10 months and I am still on a secured card. I see many complaints online in regards to them not releasing deposits back to people but still qualifying them for a {$5000.00} un-secured card. When I inquired about paying off my account and closing it I was told it would be 70 days until my deposit would be refunded. If I have the account paid in full, deactivated where no more charges can hit it and I met my contract obligation my deposit should be released immediately ( yes I know it could take a couple of weeks to write a check and mail it ) but they are refusing. I feel like this is fraudulent actions on Discovers part as I was not notified of these things during the initial setup of my account.

I asked for a corporate number to Discover and was denied such rights. The customer retention department was very short and did NOTHING to calm the situation except offer to cancel my account as they said they were sorry to see me go ...