davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY (FL)

XX/XX/2014 Acct XXXX This was a secured credit card that was set up as a savings account, with Wells Fargo This account is a charge off and I disagree with the XXXX. Owed as these are fees after I closed the account. These fees and other charges on this account are not authorized by me and nothing was provided to me in writing, or verbally to make me aware of the fees being placed on account until 2 years after I closed the account. 
There for reporting this as a charge off is not an accurate statement. For the last 6 years Wells Fargo has continued to report this Secured credit card with no regard to my rights and still can not show how and when these fees were placed on a account after I personally closed the account. 
I would ask Wells Fargo to remove such damaging reports off all 3 credit reporting agencies
Consumer complaint received 2018-10-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (CO)

My ex husband opened up an account with my name as a joint account holder without my knowledge and during the divorce he was ordered to pay the balance but he failed to do that and it is now a charge off on my credit report. I have tried with the company and the bureaus to get the accounts removed with no success.
Consumer complaint received 2022-03-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

good evening thank you for giving me the opportunity to justify myself I have sought the voices and means in vain. I explain to you I have a credit in the air caused by my own personal bank bank of america because it left a false check passed on my account under the pretext that I added a person on the account. I am not responsible for this act so I want to be reimbursed and compensate with interest that goes with it because the bank has proof that it is a person who is my wife. but it does not give him the right to the bank to let a check pass on my account without calling me I refuse to accept. because XXXX because of her I couldn't be paid on time but the only and only credit card I have with you I want a minimum compensation of {$350000.00}
Consumer complaint received 2023-01-27
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: Bread Financial Holdings, Inc. (TX)

There is a charged off account on my credit report with XXXX XXXX This account was originally reporting to all three credit bureaus but XXXX has deleted this inaccurate account from my credit report. Each credit bureau is reporting inconsistently and many different inaccuracies on my report such as the open date and last active date. XXXX is reporting the open date of XX/XX/XXXX and the last active date of XX/XX/XXXX. XXXX is reporting an open date of XX/XX/XXXX and the last active date of XX/XX/XXXX. I have informed both bureaus of the inaccuracies on my report and XXXX and XXXX refuses to delete this account from my reports and has not provided any valid proof or evidence as to how they are validating this account. If all three bureaus get their information from the same place, how is it that XXXX found that this account was inaccurate and deleted it but XXXX and XXXX hasn't? Furthermore, I have also reached out to XXXX XXXX directly to try and resolve this matter and they have not sent over any documentation or have tried to contact me in any way. It is illegal to report inaccurate information on a consumers report and not only XXXX XXXX but the credit bureaus are in violation of the consumer laws and should delete this account from my reports.
Consumer complaint received 2022-03-04
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 (AR)

Pay pal has permanantly frozen my account for no reason. A friend tried to send me money on XX/XX/2022, and i could not access it. I called customer service and tried to transfer different ways at the suggestions of customer service, and then paypal froze it. I contacted supervisors several times & said i was not a buyer or seller... .just friend to friend... but they say they are keeping my money 180 daus. That is XXXX. I did nothing wrong. They should be shut down.
Consumer complaint received 2018-10-19
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Atlanticus Services Corporation (OH)

In XX/XX/XXXX ( Between XXXX ) I ordered a XXXX XXXX XXXX XXXX from XXXX costing {$2200.00} for the machine and an additional {$240.00} for In-Home set up of the treadmill. XXXX gave me a Discount of {$120.00} which they later Credited my Account because that supposed to be part of the Special. 
Initially, I thought my payments were to be deferred for One year and thereafter Interest would began to be charged to my account is what the representative that handled my call told me. Not to mention in the beginning dealing with XXXX Reps I had my share of receiving conflicting information from them. Poor Customer Service relations from them. The experience alone should have prompted me not to do business with them and send the equipment back. However, I kept it and believed all would be successful moving forward. To my dismay that has not happened I Never received a physical credit card from the Company XXXX that financed my XXXX XXXX XXXX  from XXXX. I only receive Billing Statements and can access my Account on-line. On XX/XX/XXXX, I called XXXX and spoke with XXXX and questioned her about my Interest Rate charges and she told me that the charges began six months after I purchased the machine. I told her that was unbeknownst to me in the beginning. 
I called XXXX Billing ( XX/XX/XXXX ) to get the correct amount for APR, I was told 26.90 %. XXXX shows on paper that Ive only Paid {$150.00} Year-To-Date in Interest Fees for XXXX. However, I have Paid {$360.00} in Interest Fees. I am unsure how much in Interest Fees I paid in XXXX because when I called to inquire about such data I was told by the Representative ( possibly XX/XX/XXXX ) that he could not access that information and he could only go so far back into XXXX which was XXXX out of that year. I have Never heard of a company not being able to furnish a consumer any of their data or documentation to support facts about their account I no longer have the original bills of XXXX for XXXX, XXXX, XXXX, XXXX XXXX. Thus far, I have Paid {$1100.00} in payments year-to-date XXXX. Paid {$980.00} for XXXX. 
XXXX practices of the on-line system the Pending Status, Balance After Payment or Payment Deductions are lacking tremendously. It never is consistent. Either, I can not see what should be posted or the Balance seemed to keep being elevated and never seeming to be lowered after all the money I have paid toward the machine. I only have missed a total of 3-4 on time payments. I pay more than the Minimum on several occasions because I thought I would see a Decrease. I called them on this in XX/XX/XXXX and told them I was utterly upset and I would seek to have someone look into this further for me because I had had it. A few days later I went on-line and was able to access the Balance to the Account. I feel XXXX Business practices have been Deceptive and Fictitious starting with XXXX the company that starts the initial set up for XXXX XXXX.
Consumer complaint received 2022-03-04
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. (NY)

I just wanted to let you know I drop the ball about not responding back to the CFPB but I didn't stop disputing with the bureaus and these creditors. I have asked for documents to validate the debts that I have by sending me documentation. I have failed to receive anything. The agency should be making sure the account was accurate before putting it on my credit consumer report. Therefore, in my opinion the inaccurate information should be removed.
Consumer complaint received 2018-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

To Whom It May Concern : On XX/XX/2018 my CapitalOne Venture card got charged an annual fee of {$59.00} for the next membership year. Seeing no benefit from keeping this type of card, on XX/XX/2018 I requested a downgrade to a no annual product -- the QuickSilver card. Despite the fact that the phone representative assured me the annual fee would be refunded within 5 to 7 business days, my card has not been credited as of now. On XX/XX/2018, I called customer service and both the front line representative and account specialist insisted that since the product conversion is essentially an upgrade, the fee will not be refunded. I would have cancelled the card to get rid of the annual fee if the representative had not stated the fee would be refunded with the product downgrade in the first place.

I consider this as CapitalOne 's bait-and-switch tactic to make me keep the card and collect the annual fee at the same time.
Consumer complaint received 2016-08-06
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CA)

CITI BANK is charging me late fees without sending me a bill. CITI claim they are sending me a bill but now I don ' believe them because this has happened before and I contacted them about this problem and they are blaming it on the Post office, but I received my other bills with no problem. Because I pay my bills on line they have taken for granted I know the due date, but I do not have a paperless account with them, I need to see my bill monthly. They claim my bill was due on XX/XX/XXXX, they called me on XX/XX/XXXX after they had already late charged me for another {$25.00}, and I think that is what they are after, those late fees.
Consumer complaint received 2020-12-15
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. (TX)

Transunion & XXXX, you issued my credit report in XX/XX/2017 to XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX ( XXXX ) refuses to talk with me and refuses to send me a copy of the credit report used. The date of the report will reflect XXXX did not have permissible purpose to access my credit. I am requesting Transunion and XXXX to have XXXX send proof of the permissible purpose used to access my credit report for loan # XXXX. XXXX needs to send dated copy of credit report and fully completed and dated copies of anything else XXXX  submits. I request Transunion and XXXX  to review and then remove immediately the negative listings on my credit report. Please do not request XXXX  to investigate and then simply state XXXX is reporting correctly. I request Transunion and XXXX to validate this since XXXX  refuses to.
Consumer complaint received 2022-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (CA)

XX/XX/2021 had dinner at XXXX XXXX in XXXX XXXX. When the bill arrived paid {$400.00} in cash and charged {$150.00} on Citibank Visa credit card. When the statement arrived I was charged {$550.00} the entire amount. Contacted Citibank Visa and disputed the amount. Citibank decided I had to pay the entire amount and would not supply me with a copy of the receipt. Contacted the XXXX  XXXX restaurant and they said they would issue a credit for {$400.00} but that never happened.
Consumer complaint received 2018-08-02
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. (OK)

My name is XXXX XXXX XXXX I am a XXXX y/o XXXX individual. In XX/XX/XXXX My passport was stolen and the US embassy assisted me in getting back across the border back into the USA. As I stated I am XXXX and was told that they would take 10 % or {$50.00} dollars out of my SSI check each month to repay the debt. As the debt and its origins are more than 7 years ago I requested it be removed from my credit report filing both disputes with equifax and also XXXX to get to equifax. They have renewed it several times appearing as a new debt. the original reporting was in XX/XX/XXXX to XXXX equifax and XXXX  of which I requested removal it was not removed. In XX/XX/XXXX again I requested removal and they either the us Treasury or the 3 bureaus keep changing the origin date and or the amount + the date and today it again was placed as a new debt this is today on equifax : " New Bank/Credit Card XXXX XXXX XXXX XXXX XXXX reported a new account on your Equifax Credit Report. 
New Account Alerts notify you when a new account is added to your credit report. 

Alert Details Alert Date XX/XX/XXXX Source Equifax Company XXXX XXXX XXXX XXXX XXXX   Address XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, AL XXXX Balance {$840.00} '' The original balance was {$420.00} It has been on report for more than 7 years. 
I only have proof as far back as XX/XX/XXXX but if you request proof of my signature you will find the dates to be XX/XX/XXXX This is the only derogatory remark on my credit and I have excellent credit otherwise. You can see by the credit report attachments that the original open date keeps changing as well as the amount of the debt at first XX/XX/XXXX the XX/XX/XXXX and now XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-03-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I just wanted to let you know I drop the ball about not responding back to the CFPB but I didn't stop disputing with the bureaus and these creditors. I have asked for documents to validate the debts that I have by sending me documentation. I have failed to receive anything. The agency should be making sure the account was accurate before putting it on my credit consumer report. Therefore, in my opinion the inaccurate information should be removed.
Consumer complaint received 2018-04-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (PA)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX and XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2016-02-01
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A. (NJ)

I made purchases through XXXX promotions, XXXX eighteen-month financing and a twelve-month financing. My payments are timely, never late and always more than the minimum due. XXXX XXXX, XXXX I made an online payment of {$150.00}. I noticed my balance appeared {$800.00}. more than it should be. I then noticed I was charged {$790.00} in interest on the eighteen-month financing promo. I did n't realize the 18-mth promo ended and the deferred interest {$790.00} was applied. I immediately contacted Best Buy to resolve the matter without success. I was told the promo balance of {$650.00} needed to be paid to avoid the interest. I offered to pay an additional {$500.00}. immediately to waive the interest and was told an emphatic " no ''. I made several calls to Best Buy and got different answers but all said " no ''. I also called BBuy Dept. of Citibank and spoke to a woman who said I had 20 days to pay the promo balance which would have been XXXX XXXX, XXXX. A matter of 4 days cost me an additional {$790.00}. I also spoke to another BBuy rep and was told someone would call me back and no one did. As a matter of good faith, I paid an additional {$500.00}. on my account XXXX XXXX, XXXX. That would make a payment of {$650.00} to satisfy the {$650.00} promo balance. I also researched the Credit Card Act 2009 and TILA. Both state the disclosure of the time frame of the promotional period must be clear and conspicuous. Looking at my BBuy statement the things that stand out to me are the bold banners and large print. The disclosure re time frame is in the lower third of the statement in very small print. The time frame notice on the statement does not appear to meet the standard set by the Credit Card Act 2009 or the TILA, i.e. " readily noticeable to the consumer ''. Something as relevant as the disclosure should be prominently displayed with a reasonable font size. Apparently, this has happened to many consumers. I have read multiple posts where consumers have been the victim of this practice for even larger amounts of interest, all without success in having the interest removed. I would have at least expected a friendly compromise and/or some flexibility in the interest charged. It is not like I called months later and it is not like I did not offer to immediately satisfy the {$650.00} promo balance. What is certain is that Citibank Best Buy credit card practices are predatory and in direct violation of the Credit Card Act 2009 and the TILA, Truth In Lending Act. In light of that, I would like the deferred interested waived and removed from my account immediately.
Consumer complaint received 2022-06-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: AMERICAN EXPRESS COMPANY (MA)

Today, XX/XX/2022, I received an email from American Exprss Serve card stating my account was permanently suspened for violating consumer agreements. However, I have not used my card since XXXX. I had XXXX left on the card I can not access. 

I tried calling the company but am immediately hung up on. I really need the XXXX dollars as I am going through a rough time financially.
Consumer complaint received 2022-03-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (FL)

To Whom It May Concern : I received a copy of my credit report and found errors. 

I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues withyour company via an online public press release, including documentation of any potential small claimsaction. 

Thank you for your time and help in this matter.
Consumer complaint received 2019-03-27
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. (FL)

I have disputed a Chapter XXXX Bankruptcy that is being reported on my file in error. I have requested numerous debt validation request without any response and even contacted the US Bankruptcy Clerk of courts who advised that The bankruptcy courts do not provide information to the credit reporting agencies. The credit reporting agencies, or other information providers, collect information regarding bankruptcy cases from the courts public records. I also pulled a copy of my credit reports and the public records do not even provide the US Bankruptcy Court District that supposedly has the record on file or an accurate case number. I have actually been in communication with XXXX, Experian, and XXXX  since XX/XX/2019. I am requesting how this public information has been validated and requesting to have it removed from my credit report.
Consumer complaint received 2018-08-02
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I told Capital One to stop calling this number XXXX last XX/XX/XXXX. I again reminded them on XX/XX/XXXX and have still gotten calls since. After that, I got calls on the following dates : XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX I told them multiple times I could be reached at my cell phone ONLY. And that this was a business number and to NOT contact me at that number because it could get me fired. Yet they continued to multiple times.
Consumer complaint received 2018-08-03
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: Experian Information Solutions Inc. (CA)

This complaint is against Experian XXXX. XXXX XXXX XXXX, TX XXXX. I disputed accounts on my credit report to have them verified and removed but Experian has failed to do a proper investigation using the e-oscar method to verify accounts listed on disputes and give me proper proof of verification on unverified accounts. My first dispute letter they received certified mail was on XX/XX/2018 and they did not give me no verification or remove unverified accounts. I then sent them a second dispute letter to verify accounts on my credit report and they received it certified mail on XX/XX/2018 and they still did not give me no verification on accounts listed on letter. I then sent them a 3rd dispute letter and they received it certified mail XX/XX/2018 and they did not give me no verification or remove unverified accounts. I then sent them a 4th dispute letter and they received it certified mail XX/XX/2018 and they did not give me no verification or remove unverified accounts.