davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

Equifax has deleted items from my report specifically XXXX XXXX XXXX on XX/XX/2019 and XX/XX/2019 and they suddenly reappear with inaccurate info including a charge off being OPEN with monthly payments how is that even possible? Another concern is that it was deleted and reinserted without being given written notice within 5 days of the reinsertion which by law must be followed. Ive called multiple times to address the issue its not right that they can do whatever they want with MY credit file. I know i may just be a dollar sign to them but Im actually a human being to someone else.
Consumer complaint received 2019-04-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (CA)

I was purchasing event tickets online through XXXX in the amount of {$400.00}. The seller asked me to send funds using the XXXX app which I had not used before. Once the money was sent, the seller would not respond to me texts or calls and blocked me and I never received the tickets. I would like assistance getting my money refunded by Citibank. They offer the XXXX service through the Citibank app. 
Please advise and thank you.
Consumer complaint received 2022-12-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting and XXXX XXXX account ending with # XXXX, 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. Also states thats a consumer agency can not furnish a account without my written instructions
Consumer complaint received 2022-12-14
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: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting and XXXX XXXXXXXX account ending with # XXXX, 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. Also states thats a consumer agency can not furnish a account without my written instructions
Consumer complaint received 2019-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have disputed this account with the credit bureaus to no avail. This account is no longer open, nor does XXXX hold this debt anymore. It was sold to a collection agency. However this account is being reported by both XXXX  and the collection agency. This is dragging my credit score down significantly since 1 debt is being reported twice.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I recently sent multiple dispute letters to the consumer reporting agencies to investigate and they are not processing my disputes. They keep sending me auto generated response saying that they will not process my disputes because they believe it is someone other than me sending out letters on my behalf.
Consumer complaint received 2019-07-01
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION (CA)

I have checked with my state Attorney General and confirmed that the statute of limitations on this type of debt has expired. I am also disputing the validity of the debt therefore you are prohibited from reporting this on my credit report. Per the letter sent by collection agency sent previously the date of expiration should have been XX/XX/2019.
Consumer complaint received 2019-07-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Security Credit Services, LLC (DC)

XX/XX/2019, I received an alert on my XXXX XXXX about a new collection that appears on my credit reports. I sent an email to info@securitycreditservicesllc.com and cs @ securitycreditservicesllc, com regarding failing to send me a Dunn letter regarding the alleged account and demand Security Credit Services , LLC to validate this alleged account. 

Please see the email below.
Consumer complaint received 2019-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY (LA)

Wells Fargo Credit Card Account XX/XX/2019 Dear Investigating Officers : In early XXXX I received an email notification that Wells Fargo was offering credit card balance transfers with 0 % interest for 18 months. I have a XXXX credit card with a balance of {$6100.00}. I decided to make the transfer to save money. 
I applied online and was instantly approved for a credit limit of {$5000.00}. I called WF and a customer service agent said to wait until I got the card in the mail in order to ask for a limit increase. I did so, and last week received a declination letter. I immediately cut the card up, called WF and told them to cancel this account and mailed the cut-up back to them.

Yesterday I received the enclosed letter from WF. They have transferred a balance of {$4800.00} WITHOUT MY KNOWLEDGE OR APPROVAL from XXXX to the account with them that I closed. This has broken up one credit card into two credit cards and does not serve any purpose for me other than now having to pay two monthly notes.

I am infuriated by the arrogance of WF. They did not contact me or notify me in any way that they were helping themselves to this amount of money. When I called yesterday a CSR for WF said I would have to contact XXXX about returned the funds. When I did so XXXX said, and it makes sense, that WF simply has to return the funds. 
I have spent the last two days on the phone with Wells Fargo trying to get this reversed. Today I spoke with a lady named XXXX in their executive office. Her English was so horrific that I barely understood what she was saying. Again I kept having disclosures and agreements thrown at me at the time I applied for the card despite the fact that I cancelled this card. She gave me a case number of XXXX, as best I could tell. 
I was aware that WF had been involved in shady dealings over the years, it made national news. But I never fathomed something as desperate as this. 
Finally XXXX deposited the {$4800.00} into my checking account. Today I am sending WF a check in this amount and demanding the account be closed. They are also trying to charge me {$140.00} for a transfer fee and under NO CIRCUMSTANCES will I pay this. 
Your help in this matter is most appreciated. It would seem that further investigations into Wells Fargo should be initiated. 

Thank you XXXX XXXX
Consumer complaint received 2019-07-01
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. (MD)

I am writing to dispute several incorrect account information that Experian Credit Reporting has on my credit report that is causing negative impacts to my credit. I have sent them a letter requesting that they correct the information and they have not responded, neither have they made the correction. 
All XXXX accounts listed on my credit report have a {$0.00} balance and they continue to list them with {$270.00}, {$180.00} and {$78.00}. 
XXXX Account also has a {$0.00} balance, and they list it as a {$130.00} balance.
Consumer complaint received 2019-04-30
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CNG FINANCIAL CORPORATION (CA)

I received a phone call from a place saying they were attemptening to colect a debt. However I do not recall ever recieving a loan from XXXX XXXX XXXX, it is not even on my credit report. I went on there website and they can't even locate me. The so called collection company call me at my work and threatens me. THey called just today saying they would have me served at my place of employment.
Consumer complaint received 2019-04-30
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. ()

XXXX XXXX XXXX company sent my debt to collection agency XXXX XXXX XXXX representing XXXX XXXX. On XX/XX/XXXX I paid a payment for {$150.00} on an arranged payment plan to resolve the debt that I owed to XXXX XXXX. I made another payment to XXXX XXXX XXXX on XX/XX/XXXX in the amount of XXXX. Finally, I made a final payment on XX/XX/XXXX for {$690.00} to settle the debt in full ( {$1000.00} ) with XXXX XXXX XXXX for XXXX XXXX ; with the agreement that they report the balance as settled in full and balance reported as paid or XXXX to all 3 credit bureau 's. However ; XXXX XXXX refuses to report debt settled and as XXXX balance. XXXX XXXX stated on XX/XX/XXXX via phone that the debt was charged off and not resolved. I have disputed this with the credit bureau 's and they state XXXX XXXX reports the debt as accurate.
Consumer complaint received 2018-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (NC)

On XX/XX/2018 XXXX XXXX. announced its U.S. Commercial Firearms Policy which will have the effect of preventing me from purchasing legally available firearms accessories and prevent US citizens under the age of XXXX from exercising their Constitutional Rights. The Policy has the ability to stifle free trade and hinder commerce especially of firearm manufacturers and dealers.

I fear this policy could be the the first of many that would hinder commerce of many sectors of the business community as Citigroup attempts to impose its definition of " best practices '' on US industry.
Consumer complaint received 2024-03-27
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (AR)

Hello, I am requesting to file a complaint regarding my Discover credit card account. The merchant closed the account without my consent after I agreed to set up a payment arrangement. I was recently served due to this matter which violates the FCRA -Fair Credit Reporting Act. I pulled my credit report with each bureau and noticed that several inaccuracies with this account raise concerns. First, the balance owed is reported incorrectly with each bureau. Secondly, the date reported, closing date, and credit limit balance all reflect inaccuracies that violate the Fair Credit Reporting Act. I am kindly asking you to look into this matter. I have been a valued consumer with Discover since XX/XX/year> and I am disappointed the merchant is now trying to sue me after an error on their end. I have attached a screenshot of the report with each bureau. I greatly appreciate your assistance in this matter.
Consumer complaint received 2021-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

On XX/XX/2021 my bank paid a overdraft of {$1200.00} for a rental car but on XXXX XXXX the decline my rent payment of {$1300.00} so with all my overdraft fees I currently owes the bank {$1600.00}. I tried to get them to reverse the payment to XXXX XXXX XXXX. They refused and told me the only way they would then I would have to deny authorizing the payment. I told them I wouldn't so they said then I couldn't. When I'm trying to get essential bills paid or cash. The bank tells me I ONLY have a limit of {$250.00} yet they pick and chose for me. What debt they will pay I think it's VERY unfair to my bank to tell me. Who they think I should accummulate a debt with if I had my choice it will always where I lay my head. They done this before to me and I was shocked to find out in XXXX that they paid XXXX when I called to pay the company. And the company information me my bank paid them. As a customer who is expected to pay them back again I'm full. I think I should have some say in who I am paying back. Up to this point I was in good standing with my bank. But I will not be bullied into paying something because they say I got that rental car I could of made payments. Until I brought that current rent you either pay or you get charged late fees, court fees and possibly evicted and that's what I'm dealing with right now. And if I must pay them and they are allowing a excessive amount overdrafts. Then I want the rent include if not the XXXX payment removed. So I'm being told who will decided which payment they will pay for me and I have no say so plus I requested them days before XXXX. Got paid to stop the payment like they did the rent payment. And they paid anyway and then told me it takes days but here 's the quicker I never asked them to pay them before when the funds wasn't available. And they were limiting me to a only a {$250.00} limit and they say it's the system. I'm very upset and I don't think this fair I feel like I'm dealing with the XXXX  and XXXX  banking.
Consumer complaint received 2024-03-27
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (GA)

First, I contacted the Amsher Collections department on XX/XX/XXXX who could not provide any information and stated that the account had been turned over to XXXX XXXX XXXX Firm ( which is located in Alabama ). I have never been to Alabama and live in XXXX GA. 

I then called XXXX since they placed this on my credit report. They did provide the account number : XXXX and stated that they had my correct birthday and my new address ( XXXX XXXX XXXX, XXXX, GA XXXX ). I found out that XXXX XXXX was bought by XXXX and I feel like they will continue to place this on my credit report because of the buyout. I am furious because they will continue to do this if another company buys XXXX. They must be stopped from placing this on my credit report from now on. I had this same company do this around XXXX XXXX and I filed a police report with the XXXX XXXX Police Department ( where I was living at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA at the time. Since then I have moved to XXXX XXXX and was told to go file a complaint with the XXXX XXXX Identity Fraud Department along with the Federal Trade Commission ( which has already been done ). 

The law firm was NO help at all and said it would take time. Last year in XXXX, it did not take this long. This is messing up my good credit and I need this company and any future company to remove ALL my information like date of birth and address. If not they will continue to do this to me. I will have documents to prove that they did this is XXXX and just recently if you need them. Please help me because I am livid and trying to maintain my sanity over this.
Consumer complaint received 2023-03-16
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: LEXISNEXIS (IL)

I recently obtained my credit report from each of the four major credit reporting agencies ; lexis nexis, XXXX, XXXX  and XXXX. Ive discovered a bankruptcy was listed under my name. I had no idea my information was given to the credit bureaus without getting permission nor any acknowledgment. I contacted all four credit bureaus, sent out dispute notices and they was unable to rectify the situation. According to the 15 U.S.C 1681 a.1.a law there should not be any damages to my report and its a defamation of character.
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: EQUIFAX, INC. (MI)

I appreciate your help in removing a portion of the data in my credit file that came about because of FRAUD yet I have still items passed on that should be taken out or blocked. Per FCRA segment 605 you 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$10000.00} XXXX XXXX  XXXX Balance : {$7400.00} XXXX  XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Reference # XXXX Date Filed : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reference # XXXX Date Filed : XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2017-05-30
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. (NY)

EXHIBIT A - herein annexed Personal information, page 25 of 26 of Experian credit report number 1 XXXX , Dated  XX/XX/XXXX  showing PO BOX address with an Address identification number  XXXX  linked to   XXXX   XXXX   with the same address identification.
<P/>
On  XX/XX/XXXX ,  XXXX  credit card representative and that persons supervisor,  XXXX , denied any PO BOX address in their records, therefore, they can not report such PO BOX to anyone.
<P/>
As a result, this PO BOX address must be removed from ALL credit reporting agencies.
<P/><P/>
EXHIBIT B - herein annexed Account in good standing page 20 of 26 showing   XXXX   XXXX   with the same Address identification number  XXXX  that establishes a link between PO BOX address and this credit grantor,   XXXX   XXXX  .
<P/>
On XX/XX/XXXX ,  XXXX  credit card representative and that persons supervisor,  XXXX , denied any PO BOX address in their records, therefore, they can not report such PO BOX to anyone.
<P/>
As a result, this PO BOX address must be removed from ALL credit reporting agencies  .
Consumer complaint received 2017-05-30
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (VA)

Had a Doctor a ppointment, amount charged was not covered by my insurance, the admin suggested to open  " Credit Care Card '',  with no interest payments for 18 months.   My balance was {$1600.00} and at {$100.00} per month I thought no problem. Just recently had unexpected   XXXX    expense which I was able to put on the card. This brought the balance up by a couple hundred, ag ain I thought no problem. The invoice I received in  XXXX  and  XXXX  indicated to pay balance in full to avoid interest charges. Because my balance was so low, I did not think much of this. However my  XXXX  bill the interest applied was more than the balance I owed!
Consumer complaint received 2024-03-27
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (NY)

Subject : XXXX XXXX Caine & Weiner Company for Violating Consumer Financial Protection Laws ] Dear Sir/Madam, I am writing to file a formal complaint against Caine & Weiner Company for violations of consumer financial protection laws. The company 's actions have directly contravened the following regulations : 12 CFR 1006.34 ( b ) ( s ) - Failure to provide accurate information to consumers about their rights under the Fair Debt Collection Practices Act ( FDCPA ).

12 CFR 1006.34 ( c ) ( 4 ) ( i ) - Harassment or abusive conduct in the course of debt collection, including repeated phone calls and threats of legal action.

12 CFR 1006.34 ( d ) - Failure to investigate and respond to consumer disputes regarding the validity of debts.

15 USC 1681-S - Violations of the Fair Credit Reporting Act ( FCRA ), including inaccurate reporting of consumer credit information.

Despite multiple attempts to resolve these issues directly with Caine & Weiner Company, they have persisted in their unlawful practices, causing significant distress and inconvenience.

I kindly request that the Consumer Financial Protection Bureau thoroughly investigate these violations and take appropriate enforcement action against Caine & Weiner Company to ensure they comply with federal consumer financial protection laws. 

Thank you for your attention to this matter. I look forward to a swift resolution