davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (WA)

I was celebrating a friends birthday with a group of people in XXXX XXXX at a location called XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2019. On XX/XX/2019 I noticed multiple fraudulent transactions totaling {XXXX} from XXXX XXXX on my AMEX credit card. I immediately called to report the fraud. The claim was denied, and I was told that XXXX had surveillance footage of me at the location as well as signed receipts. I told them surveillance footage did not prove anything as I admit I was at the location but I did not authorize the charges. I requested copies of the evidence, AMEX informed they sent them but I told them I did not receive it. I proceeded to appeal the fraud multiple times, the last time being XX/XX/2019. I called on XX/XX/2019 to find out what was going on and was finally informed that the evidence was attached in my online banking. I reviewed the evidence, and can confirm that the signatures are not mine. This is signature fraud. I informed the AMEX customer service representative XXXX XXXX - employee ID XXXX ) who refused to acknowledge what I was saying. I'm extremely frustrated at the way this was handled by AMEX. According to the fair credit reporting act I should not be liable for these charges however, AMEX is refusing to protect me.
Consumer complaint received 2018-02-21
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. (GA)

Hi, I pulled my report and found out that there were late payments showing from the company below. 

XXXX XXXX account number XXXX I was never late 30 or 60 days on this account when it was active.I figured it must have been some sort of billing error on their part. 

I have tried to take care of this matter with the creditor and the three credit bureaus and noone has yet respond. When I tried to resolved this matter the company keep stalling. I have been dealing with this matter for sometime now and you guys are my last option please help me.
Consumer complaint received 2019-10-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: HUNTINGTON NATIONAL BANK, THE (PA)

Yes i open a checking account and saving account threw this company. I pick my debit card. They sent all my info to me and card. But they closed account due to my ip being know fraud they say. Which is XXXX. i check my ip and had tech check my ip and it is clear as day. So they lying. Didn't let me do anything with this account. They should just deny me from beginning. Bad business and not recommended.
Consumer complaint received 2019-07-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

My account began in XXXX to XX/XX/XXXX. I closed the account because no need for it. But decided to reopen shy of 12 months. XXXX XXXX  I started using the account again. When opening the freestyle checking the CS did not activate my account online services. Mobile and Web site kept showing XXXX transactions and possibly currently 24hrs of transaction. I could never seem to keep the account current. I continued getting false balances on the accounts. Cause me to overdraft my account. Once I noticed this information the branch said give it few days to reset and call CS. CS said to speak with tech support. Tech support said to speak with Branch. Who ever is going to fix the glitch on my account and refund me my fees of {$620.00}. How are you to keep your account positive if given wrong balance information. Seeking for someone to resolve my issues and Corp to know how they XXXX the little people.
Consumer complaint received 2023-03-20
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: EQUIFAX, INC. (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing in regards to my credit report, which contains several negative items that I would like to dispute. I have noticed that there are a number of inquiries and accounts on my credit report that I did not authorize, and I believe that some of these entries may be fraudulent. 

Firstly, there are two inquiries that I did not authorize - one from XXXX XXXX on XX/XX/XXXX and another from XXXX XXXX on XX/XX/XXXX. Since I do not remember authorizing these inquiries, I suspect that they may be fraudulent. I request that you remove these inquiries from my credit report immediately. 

Next, I would like to dispute the information on the following accounts : XXXX, account number XXXX : The information being reported on this account is incorrect, and no updates have been made to it. I request that you remove the incorrect late payments from this account as soon as possible. 

XXXX, account number XXXX : I have no record of this account belonging to me, and I believe that this is inaccurate information. Please remove this account from my credit report without delay. 

XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, account number XXXX : I have never had any business relationship with this company, and I request that you delete this unknown account from my credit report right away. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, account number XXXX : As with the previous entry, I have no knowledge of this account and believe it to be inaccurate information. Please remove it from my credit report. 

XXXX XXXX, account number XXXX : I have no record of this account belonging to me, and I believe that this is inaccurate information. Please remove this account from my credit report without delay. 

XXXXXXXX XXXX XXXX XXXX XXXX, account number XXXX : Again, I have never had any business relationship with this company, and I believe that this account does not belong to me. Please delete this unknown account from my credit report immediately. 

Finally, I would like to dispute another unauthorized inquiry from XXXX XXXX on XX/XX/XXXX. Since I do not remember authorizing this inquiry, I suspect that it may be fraudulent. I request that you remove this inquiry from my credit report immediately. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-09-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Bureau of the South, Inc. (LA)

The deliquent account was for The City Of XXXX for {$290.00}. I was still receiving invoices from the City via email. 
The Credit Bureau of the South aka Delinquent Recovery Associates are the ones that reported negatively on my credit report. When i saw it there, I XXXX  them to get the phone number. I called and asked what it was. When they told me it was the City, I informed them that i was still receiving invoices from the city and didn't understand why they were reporting me. The lady told me, " You did not pay your bill. You need to pay your bills. '' I told her i did not have an account with them and that I would communicate only with the City. She hung up on me. I called and asked fir the supervisor who was even more rude. He also said, " You need to pay your bills. '' I told him they were not authorized to put anything on my report as i was still receiving notices from the city. I told him they needed to remove it. He said they will not because I owe it. I again told him that I did not owe it to his company and would not pay them. He never told me they sent a letter to me. My first hearing of this was today from XXXX when i went to their office. 
The reason for my visit : After going to The City of XXXX today and paying the bill with the invoice THEY sent me, the clerk told me the bill was never in collections. 
I went to the XXXX XXXX at XXXX XXXX and told them and asked that they remove it. XXXX informed me that " They dont make this stuff up. They are not that good. '' I told her I know you're not that good because if you were your counterparts would have listened when i told them that something wasn't right. She told me they sent a letter which included instructions for disputing.i told her i never received a letter which is the reason i dont have an account number for them.My first aquaintance with them was their name on my credit report which i XXXX  and called them. She informed me that they always send letters. I told her someone didn't do their job because I never received it and the person on the phone never mentioned a letter or a process neither that i could get something from the city to them. 
She told me it would take a while to delete but i told her she could expedite it. She didnt like that. She said she knew why everyone had an attitude with me, she could see the problem was me. I explained to her that my current attitude was a result of the treatment i received from them and the fact that they had done damage to my creft score despite my attemts to speak to them or dispute through the XXXX. She decided since she did not HAVE to delete it she would report it paid. I told her you dont have the right to do anything because I owed it to the city, it was still current with them, and i paid them.
Consumer complaint received 2019-10-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY (FL)

My sister sent me funds from her checking account through XXXX and the transaction failed according to XXXX and the funds were sent back to my sisters bank account ( Wells Fargo ) however Wells Fargo never received the returned funds. Multiple calls have been made to XXXX and Wells Fargo and investigations go no where. I also filled an investigation with my bank confirming transaction was never received. These transactions, equaling {$400.00} have yet to be resolved and no monies have been received by myself nor my sister.
Consumer complaint received 2019-09-19
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. (FL)

After many disputes with Equifax, the following accounts resolution was listed as verified. 
The accounts that I have disputed are all reporting false information which in return is damaging my credit. I am asking that the following accounts be removed due to reporting false and inaccurate information that are in violation. 

XXXX XXXX Acct # XXXX Payment history shows account as OK XX/XX/XXXX ; Who is made that payment? 
Payment history is also showing 120 days late starting XX/XX/XXXX to XX/XX/XXXX ; this is not even possible ( 120 Days Late * 3 Months= 360 days ) How can I be 120 Days Late for 20 months? 

XXXX XXXX Acct # XXXX Payment history show payments are being made ; Who is making these payment? This account is a charged off account XXXX Acct # XXXX This is a Charged Off Account. Who is making payments? 

XXXX Acct # XXXX This is a Charged Off Account. Who is making these payments? 

XXXX Acct # XXXX How can it be 120 Days late? Payment history shows " OK '' from XX/XX/XXXX to XX/XX/XXXX, and " OK '' from XX/XX/XXXX to XX/XX/XXXX but also shows120 Days Late XX/XX/XXXX. Who is making payments? 

XXXX Acct # XXXX How can it show 120 Days Late? Payment history shows " OK '' from XX/XX/XXXX to XX/XX/XXXX and from XX/XX/XXXX to XX/XX/XXXX. Who is making these payments? 
How can I be 120 Days XXXX XX/XX/XXXX and XX/XX/XXXX. 

XXXX Acct # XXXX How can it be 120 Days late? Payment history shows " OK '' from XX/XX/XXXX to XX/XX/XXXX, and " OK '' from XX/XX/XXXX to XX/XX/XXXX but also shows 120 Days Late XX/XX/XXXX. Who is making payments? 

XXXX Acct # XXXX How can it be 120 Days late? Payment history shows " OK '' from XX/XX/XXXX to XX/XX/XXXX, and " OK '' from XX/XX/XXXX to XX/XX/XXXX but also shows 120 Days Late XX/XX/XXXX. Who is making payments?
Consumer complaint received 2019-09-19
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. (MO)

On XX/XX/2019, I scheduled an online payment to be posted to my account on XX/XX/XXXX. Apparently I was late on my payment for the month of XXXX. XX/XX/XXXX, I get a notification email from my credit motoring service showing I have negative payments on my account, showing that I was 30 days late on my payment for the month of XXXX and 30 days late for XXXX ( my score dropped 41 points ) .Today XX/XX/XXXX I check my auto account to find my payment was re-scheduled for XX/XX/2019. I contacted the bank about this error on my report and they were not willing to correct it. I'm at the end of my loan with 7 payments left and have not missed a payment in the last 2 years.the only thing the bank was concerned with was paying late fees. I believe this was an error due to the banks online system. This error that changed my credit rating in which I had plans to buy a house in the next few months will have a negative effect.
Consumer complaint received 2017-05-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: KEYCORP (CO)

This is the second time this month!!
On   XXXX   XXXX   I deposited {$620.00} to my checking account, this would bring my balance in the account to {$930.00}. However Key Bank only gives you {$100.00}. of the deposit on the day it is deposited.
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On   XXXX   XXXX   I wrote a check for {$300.00}. and deposited it into my business account at another bank and I had a direct withdraw from my account for {$140.00}. Now even though I had a pending deposit they charged me an overdraft fee AGAIN!! This is wrong!! They can process my check from another bank the same day, but they ca n't process my deposit the same day.
This is just wrong!! I also believe it to be illegal if I have a pending deposit that would more than cover the overdraft amount.
Consumer complaint received 2022-07-21
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. (WV)

I have tried to call companies several times to which they ( misspell some things sometimes and also change around wording ) have transferred me several times and they finally hang up on me. here is the list of inquiries : Here is the list of inquiries : Transunion : XXXX XXXXXXXX XXXX  via XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX inquiries : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX. XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX. XXXX, XXXX
Consumer complaint received 2019-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Hello, I've had an issue with Capital One internet services. I found out through my Experian credit monitoring that I was behind on a payment. I never received noticed of this payment being due either by email, letter, or phone. I thought that the balance was at XXXX and I never use the card. I had cut the card up long ago. When trying to resolve the issue, it's been nearly impossible to deal with their online interface. The only way to log in to my account after forgetting my password was with the CCV code on the back. Obviously, not having the card, I didn't have this information. I've been dealing with over 5 different customer representatives to try to regain access to my account, and it's taken hours. A huge problem was that the company wanted to verify my account information using only text messaging. As someone who lives in a rural area, i don't receive text messages, and was forced to consent to use them as means of communications regarding my account, despite not being able to receive them. I find this an unfair disadvantage for just trying to maintain my account information as someone who doesn't live within cell range. I rely on satellite internet, but standard messages do not go through. As someone just wishing to receive timely information about my account, and someone who's had a spotless payment record up until this point, I find this mark against my credit as an unfair penalty for not living in more urban environments. The amount of my time spent trying to resolve this issue was absolutely ridiculous, and at no point was I ever offered the opportunity to resolve it via Email or other forms of internet communication.
Consumer complaint received 2019-10-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Arivo Acceptance, LLC (TX)

On XX/XX/XXXX the loan company took out 2 car payments The second one was done without my authorization. When I called them, they said they would issue credit immediately, they did not. Called the next 2 days and still no credit. I called my bank and they credited my account and then debited back car company. Within 2 weeks, the car company credited my account and my bank credited them back. Every day since XXXX this company has called everyday or emailed they want their payment back. I explained my bank did give them it back. They called stating my loan was in default and I have refused to contact them. I talked to XXXX, XXXX, and XXXX numberous times and sent the documents they requested. Bank statements along with a letter from the bank stating they were refunded. Today, XXXX calls and says I am past due on my payments. I am not they are due on XXXX of each month. In XXXX, they tried taking an extra payment out of my bank account at the end of XXXX I emailed them stating this was done illegally for the second time. They continue to call and harass me and they have their money back from the bank. I told them not to call me during work times, and they continue to call and email. I need help
Consumer complaint received 2021-02-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BARCLAYS BANK DELAWARE (PA)

Since XXXX XX/XX/2021 I have not been able to make deposits or withdrawals at BARCLAYS online bank USA. 
For the last 4 weeks I have contacted them by phone and emails and have been told repeatedly my accounts were under investigation for " fraud '' and that their security dept would be in contact with me. Every week I've been give the same song and dance routine without any contact from the bank until today XXXX XX/XX/2021 when I received an email stating my access to my online bank accounts was blocked. Up until this point I was at least able to logon and see that my money was in the bank. Now, however, I'm not able to even do that. 
Of course, I immediately contacted the bank and was told the same old story about the " investigation '' was still underway ad they would contact me " whenever '' it's concluded. They claim the problem was caused by son, who is XXXX  XXXX military, linking his own account to the joint account I opened for him authorization. Yet they approved his transaction and allowed him to make a deposit and withdrawal before locking me out of the very accounts I myself opened for us without notice or explanation.
Consumer complaint received 2019-10-10
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)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2019-07-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (GA)

I have no idea who CAINE & WEINER is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. CAINE & WEINER is indicating that an account unknown was opened with their company in XX/XX/2019. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. I have attempted to contact Caine & Weiner via certified mail ( RR # XXXX XXXX XXXX XXXX XXXX and that have not responded or provided any of the information I requested. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 

2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized CAINE & WEINER as third-party collection agent. 

4. Provide a true and correct copy of the instrument by which [ CAINE & WEINER } was  authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ). 

5. Provide the delegation of authority from the Director of the Office of Management Budget to CAINE & WEINER, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide an Opt Out Notice. 
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. 
XXXX Sharing Non Public Information ( NPI ) without providing an Opt Out Notice