davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK (CA)

We have been a Discover Card holder for over 10 years. Whenever I have paid the previous month 's balance off the following month I have never been charged a Finance Charge. Now Discover Card is trying to use some kind of " computer '' magic to say that the daily balance is assessed a finance charge on any unpaid balance over the term of the month. I have asked several times for this in writing w refusal. I called and they said they would not send to me. I have been online with their chat person and this person says they can not send to me the " computer figures it out. '' This is impossible, if I pay the statement balance off from the previous month. There should not be an interest charge. 
Also, today is the day they issued the statement and mysteriously my statement on their website is NOT available.
Consumer complaint received 2019-02-06
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: Prosper Marketplace, Inc. (PA)

On XX/XX/2018 Prosper loan submitted my credit for a loan that was taken out by another person. They addressed all the information and made the loan in this person name and used my social. I have contacted them to fix the error they made and to take it off of my credit report.
Consumer complaint received 2020-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

Bank of America Im filing a formal complaint with the cfpb on your company I have file several dispute with all of the credit bureaus On behalf of your company regarding in accuracy and erroneous information on my credit report and each credit bureau indicates that you are reporting that the information is accurate I have submitted proof of document but this account is inaccurate in your let r to me dated XX/XX/2018 you indicated that the account XXXX was closed on XX/XX/2018 again from your letter but how ever each credit reporting is showing XX/XX/18 this information is incorrect and I demand that you remove this account from all four of my credit file. See facial proof. As you have effect my ability to seek employment or to obtain anything in my name per the FCRA in the FTC website a credit report must and I repeat must be 100 % accurate Also you are in violation of the Fair debt practice and act as well as the FCRA for failure to enter the required noticed of dispute again please remove this account from all credit reporting agencies and please send me a letter in writing when this is done.
Consumer complaint received 2020-02-06
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. (TX)

Equifax ; XXXX  and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$320.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid and there is no outstanding balance. This account needs to report a {$0.00} balance and the collection/charge-off needs to be removed. This account is in good standing. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2022-08-18
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. (NY)

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$57000.00}
Consumer complaint received 2019-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

XXXX XXXX XXXX XXXX turned me down for a loan saying that I owed XXXX XXXX XXXX   {$150.00} dollars but checked after I had paid off my truck and they said I never owed them any money. Please I have paper work saying I dont owe them anything
Consumer complaint received 2023-01-26
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: RentDebt Automated Collections, LLC (MA)

My credit report shows a collection account called rent debt labeled ( XXXX XXXX XXXX ) I have never heard of either of those companies, I had my identity stolen in the past with accounts opened in my name and this is definitely fraudulent. I never received a debt validation letter nor a debt verification letter and the address the company has for me I have never lived at before in my life ( which i can also prove ). This debt is not mine & it needs to be removed. I have police reports proving the past identity theft as well and how the company never contacted me to validate this debt.
Consumer complaint received 2019-02-06
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: CITIBANK, N.A. (NY)

Citi advertises their prestige card as a " premium '' credit card. This is not true. The card is complete trash. Traaaassshhhhhh.

First, it is incredibly difficult to get through their automated system to get to a real human, when other premium credit cards allow you to easily speak to a human. One customer service rep told me to stay silent and it would get me to a representative. All that did was make them repeat the prompts repeatedly, which is infuriating. She also said to say 'representative ', which doesn't work either. This is unacceptable. Even some of my no annual fee cards, like XXXX, allow you to easily connect to someone in the US.

Then, they tried to deny me my bonus points for signing up on some technicality and it took no less than an hour of my time to get them to agree to put the bonus offer on there. And I'm still not sure it's on there because the last agent I spoke with gave me conflicting information.

Then, there is conflicting advertising with some places saying that you get 5x rewards on " travel agencies '' and other places saying its only on " airfare '' but when you call customer service they basically tell you that you can't know if something is a travel agency until you charge, so if you spin the travel roulette wheel and land on the wrong booking site, you could lose the 5x and instead get 1x.

Then, I receive the card and packet and the booklet that comes with it is outdated. They're for the old Citi Prestige card with the wrong information, so I don't actually know all the benefits of my current card. 

The card is cheap looking and feeling, where other similar cards are made of metal. This isn't a huge deal but should have been disclosed in advance. 

It took multiple attempts to get them to add the card to my online banking and ultimately I had to register it myself, providing the same personal information I had just given the agent. In the process I was transferred multiple times, including once to an agent who was hard to understand and I believe hung up on me. Other premium cards I've had, the customer service can assist with online banking. 

The customer service agents did give me points but that doesn't make up for the fact that it has been a horrible customer service experience and users are left not knowing how and where they can use their cards, which we pay approximately {$500.00} a year in an annual fee for, for their 5x points.

I'm a good Citi customer, longstanding relationship, pay my bills, stay under my limits, regularly use my cards. There is no reason I should have to deal with this on a card with a {$500.00} annual fee.
Consumer complaint received 2020-02-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: SUNTRUST BANKS, INC. (IL)

To Whom This May Concern My student loans are getting out of hand. I have been repaying them since 2009 and somehow the balance is not going down. 
For past 9 years percent of my paycheck was deducted towards the balance, my federal and state tax returns have been set offset for past ten years to go towards my student balance. In last 3 years my account has been sold 3 times to different companies and new collection fee, handling fees etc has been added to balance. I don't even know who should I contact to stop this and have these new charges, fees and interest deleted from my original student loans. 
SunTrust is new company that has my student loan ownership it was Illinois Student Assistance Commission SunTrust XXXX. XXXX  XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

I initially made a purchase through XXXX XXXX for Bunk-beds, and I was accidentally charged twice for this. I disputed the second charge, and XXXX XXXX corrected that mistake. However, Capital One whom I have my credit card through, filed the single dispute against both charges. The Correct one and the extra one. As a result, XXXX has now blocked my ability to send or receive money through them. I have brought this mistake to the attention of Capital one, and they are saying that due to Mastercard 's Policy and Federal regulations, they are unable to undo the dispute that they opened by mistake. I have reached out to Mastercard, and reviewed federal regulations and can find nothing that prevents them from removing the dispute at my request. Mastercard as stated emphatically that they have no such policy. If Capital One does not undo their mistake, I will permanently loose access to doing business through XXXX. Despite numerous phone calls, and days spent trying to resolve this, Capital one still refuses to act.
Consumer complaint received 2020-02-06
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Northeast Resolutions Inc (AR)

I have been receiving harassing calls from what I assume is a debt collection company named Northeast Resolutions , Inc. they have been contacting me and my out of town family stating that they are attempting to deliver certified mail however no attempts ever arrive from the USPS. They have accurate contact information however they continue to reach out to my father in an attempt to shame me into engaging with them for what ever purpose they have. They have yet to state that they are attempting to collect a debt, Ive contacted them back at the telephone number they provided and they answered the telephone stating that they were the XXXX XXXX  Police Department and have provided various company names. They are not licensed to engage in debt collection activity within the state of Arkansas. They will provide no information regarding the nature of the contact other than that they are attempting to deliver certified mail. They have violated the FDCPA repeatedly and have multiple online complaints that are near identical to what Ive stated above. Ive filed BK and they need to comply with the automatic stay and validate their debt or face contempt charges. they need to cease and desist all attempts at contact to myself, my family, friends, or place of work.
Consumer complaint received 2022-08-18
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. (NY)

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$57000.00}
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MI)

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

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

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-01-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc. (OH)

There is a collection account that is being reported to the credit bureaus that I do not recognize and I am not aware of. This is clearly fraudulent. Listed below are the details. 

DIVERSIFIED ADJUSTMENT ( XXXX ) Accnt # : XXXX Opened : XX/XX/2022 Balance : {$99.00} Tried to dispute this account multiple times but the company did not take action on the dispute I filed. I am attaching my FTC Affidavit to back up my claims.
Consumer complaint received 2022-08-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (DC)

I report this all as unusual transactions that was made on my account in the month of XXXX that started over the range XXXX XXXX XXXX. Are reported this as fraud in unusual unauthorized activity that I did not have any knowledge. Transactions as follows {$150.00} XXXX XXXX {$10.00} XXXX XXXX {$250.00} XXXX XXXX {$25.00} XXXX XXXX {$75.00} XXXX XXXX {$120.00} XXXX XXXX {$29.00} XXXX XXXX {$360.00} XXXX XXXX {$200.00} XXXX XXXX {$25.00} XXXX XXXX {$240.00} XXXX XXXX {$25.00} XXXX XXXX {$100.00} XXXX XXXX {$20.00} XXXX XXXX {$100.00} XXXX XXXX {$10.00} XXXX XXXX {$160.00} XXXX XXXX {$250.00} XXXX XXXX {$17.00} XXXX XXXX {$19.00} XXXX XXXX {$25.00} XXXX XXXX {$80.00} XXXX XXXX {$220.00} XXXX XXXX all these transactions listed above I reported as very unusual activity and fraudulent. I would like this case reopened and my money refunded back to me because their fraud protection department should flagged as Sporadic in random activity given all the dates that they withdrawn back to back like this.
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MI)

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

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

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-02-06
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: FMA Alliance, Ltd. (TX)

I have received numerous calls a day to my parents landline, where I do not live anymore, back to back multiple times a day. It has gotten so bad we have actually stopped answering the phone. For example on XX/XX/2016 I received a call at XXXX, XXXX, XXXX. They never leave messages, they only ask for whoever answers the phone name and then for the social security number. They say they are working on behalf of XXXX for medical bills but will not disclose what bills they are talking about. When I confronted them about them violating the FDCPA they then said it was multiple debts from same place so that is why they call so many times and that they are allowed to do it. My elderly parents are absolutely at the end of their rope with the phone calls coming in constantly. When I confronted them as well they said they would then start sending me mail for it ( which they already do as well ). We now live on eggshells waiting for the phone to ring.
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

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

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

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-02-06
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. (IN)

I have reached out to the bureaus in regards to this problem multiple of times about the vehicle that is not associated with, I had to recently file bankruptcy due to it, I also have documentation from the company itself stating we have no association and that they have reported to bureaus to remove the inaccuracy from my credit reports. I want this item deleted immediately I am tired of dealing with this same issues and not getting any positive result.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry.
Consumer complaint received 2020-12-17
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. (CA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1 XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XX/XX/XXXX/XX/XX/XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12.  XXXX on XX/XX/XXXX ( Reported Identity Theft )