davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA (CA)

On XX/XX/XXXX I made a purchase for {$740.00}. This was my first time using this credit card. I was unaware about the closing statement date or billing due date. I was also unaware that their system automatically enrolled me in paperless statements once I created an online account, therefore I never received a paper statement in XXXX to make the payment. On XX/XX/XXXX at XXXX XXXX  PST, I called asking for the statement. The agent by name of XXXX, confirmed my address and said they will be sending me the paper statements. She also said that a minimum payment was due and that I had incurred in a late fee of {$29.00}. I requested to speak to a supervisor regarding the fee because I was unaware of the bill due date due to a lack of paper statement. I spoke to XXXX XXXX at XXXX XXXX PST who informed me that he did not have the power to do a first-time courtesy reimbursement of the fee. I was transferred to XXXX at XXXX XXXX  PST. He mentioned he was in the same situation. I kept requesting to speak to a supervisor and all of the agents informed me that there wasn't a supervisor available but that they could request for one to call me back. No one called me and I did not receive any notices in the mail. On XX/XX/XXXX at XXXX XXXX PST, I contacted customer service again. I spoke to an agent by the name of XXXX. She again informed that a supervisor was not available and hung up the phone on me. I called back and at XXXX XXXX PST, I was transferred to an agent by the name of XXXX. She said that she didn't have the power to make any changes to my account and said she would request for a supervisor to call me back. I kept calling back multiple times and no one until today has called me back. 
I kept calling back on XX/XX/XXXX and XX/XX/XXXX, asking to speak to a supervisor. I was never transferred to a supervisor. The agents would always say there were no supervisors available. 
Finally on XX/XX/XXXX at XXXX XXXX PST, I was able to speak to XXXX an account supervisor, who said needed me to transfer me to a different department because my account was already in collections and was reported to the Credit Bureau. At XXXX XXXX  PST, I spoke to XXXX who said a supervisor would call me back ASAP. A lady by the name of XXXX XXXX called me and said she would submit a dispute regarding the Credit Bureau report and the revision of fees and that a supervisor would contact me withing 7-10 days with an answer. I requested written communication to be made as well for my records. 
It is now XX/XX/XXXX and I have not received a call back from any supervisor nor have I received any notices from the company. Yet, they keep charging me late fees and interests from the initial late fee and interest I was disputing. I believe this beyond advantageous, a complete theft, fraud and a gimmick to steal from customers. 
I request a review of my case and the necessary steps to lessen the charges and delete their report from the credit bureaus.
Consumer complaint received 2019-02-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (CA)

I signed up for a basic checking account from citibank under the impression that I could avoid the $ XXXX monthly fee if I set up automatic bill pay. This seems to be accurate when I searched my fee history from XX/XX/XXXX-XX/XX/XXXX for the most part ; however, on XX/XX/18, XX/XX/18, and XX/XX/18, I was charged a monthly service fee of {$25.00}. On XX/XX/18, the {$25.00} fee deducted on XX/XX/18 was returned to my checking account. 

I was wondering why Im randomly being charged a $ XXXX monthly fee, as I never signed up ( and would never sign up ) for the the checking account that requires a combined balance of {$10000.00} across various citi accounts. Furthermore, since I have never even met this requirement while being a citi customer, wouldnt I see a $ XXXX  monthly service fee every month? 

I also have never been charged ( from what I can see on the website ) the $ XXXX   monthly service fee either, which I assumed was due to the fact that I made sure to set up automatic bill pay immediately after opening the account to meet the requirements for avoiding the fee for basic checking. 

When I chatted with a representative online, they were unable to provide any relevant information.
Consumer complaint received 2019-02-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners Holding, LLC (IL)

I received communication from XXXX XXXXXXXX XXXX in regard to a debt they say I owe. I have never done any kind of business with this company. I asked for validation with something bearing my signature that says I'm responsible for this debt. I never received anything from them validating this debt. Per the Federal laws, if they can not provide validation with a legal document bearing my signature or a contract I signed with them, they have to cease all collections.
Consumer complaint received 2019-01-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MD)

On XX/XX/2019 I received a call from my Mortgage company ( Carrington Mortgage Services , LLC ) informing me that I was being charged late fees because they had not received my payment of {$1900.00} on the XXXX of the month, at which time I informed the representative that I was a retire XXXX  employee and that there was no way that I could make my payment on the XXXX of the month because I didn't receive my check until the XXXX of the month. I also informed them that even though the check was in the bank it had to be cleared by the bank and I had no control over the time it would take for the check to clear and when the money would be sent to them, at which time I was informed that the money had to be received no later than the XXXX of the month. On XX/XX/2019 I received my XX/XX/XXXX bill statement saying that I owned {$3900.00} not the {$1900.00} due to over due payments of {$2000.00}. I have not missed any payments documentation available upon request.
Consumer complaint received 2019-09-05
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. (NJ)

Ive sent numerous letters and they refused to investigate the errors and inacuracies. Per the fair reporting credit act they are supposed to investigate and resolve any errors.
Consumer complaint received 2022-09-01
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. (OH)

On XX/XX/2022 XXXX XXXX added a derogatory mark on my credit report per Experian. Upon further research, this account was transferred/sold to them from XXXX XXXX XXXX. 

They did not verify this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. 

According to the FCRA, XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately! 

XXXX XXXX XXXX also violated my rights in a similar fashion and I submitted a cfpb complaint ( ID : XXXX ). XXXX XXXX XXXX removed the derogatory mark and has apparently now sold the account to XXXX XXXX who is now violating my rights.
Consumer complaint received 2022-08-29
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. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2019-02-05
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. (CA)

I purchased a car and XXXX was the lender. During a difficult time, I spoke with a representative there starting in XX/XX/XXXX, who offered me to modify my loan so Id be able to afford to continue making payments Finally in the month of XXXX I received the new Modification forms, signed and returned and the forms specifically showed that starting in XX/XX/XXXX the new Loan payments would begin. I thought all was now resolved! 
In XX/XX/XXXXI went to a store and came out to find my vehicle gone! Thinking someone had stolen my car I called the police and they informed me that it was towed. I immediately called XXXX and upon their review of my account they found that the were wrong to have picked up the car, apologized, and then told me where I could go to retrieve my vehicle. It was their error so I was not charged anything and although I was angry, I got my car back and figured it was over. 
Fast forward to XX/XX/XXXX, I took my credit report, found that XXXX reported lates even after the modification, and even reported 2 lates for  XX/XX/XXXX and XX/XX/XXXX, even though the loan was paid in full in XX/XX/XXXX. Ive tried to get this corrected, at once point it was Just a month ago, I took my credit, again incorrect information from XXXX! I disputed, and now XXXX is reporting a REPOSSESSION in XX/XX/XXXX, which is exactly the same time they towed my car in error!!!!! This was their error, they admitted it at the time, and only until now has it ever showed as a REPOSSESSION! This is more than detrimental to my ability to obtain financing and credit, and needs to be corrected! When I call their office, give my Social Security number, they claim that they have no information. 
Help, these folks should be audited! The federal government needs to look into their practices as Im sure theyd find XXXX is not in compliance per the consumer lending regulations.
Consumer complaint received 2019-02-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (PA)

I transferred money through XXXX Wells Fargo mobile banking app to purchase sporting event tickets. I used Wells Fargo, he claimed he had Wells Fargo as well. The guy XXXX XXXX gave me his name, email address and phone number. He said this was the service he was most comfortable with. Since he had used it before. Mr. XXXX gave me all the details but failed to mention it was a scam. I contacted Wells Fargo immediately and attempted to cancel the transaction but the transfer went through. I did not receive tickets that I paid for through XXXX. The transaction was sent and received from the same institution. I sensed foul play and I became very concerned that I was involved in a scam. Wells Fargo knows where the money was sent they even told me they attempted to contact the financial institute but there is nothing they can do to recover the money. The transaction date was XX/XX/2019,  transaction amount was {$120.00} and my Wells Fargo claim # XXXX. Please help me recover my money.
Consumer complaint received 2019-02-05
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. (MO)

Awhile back my identity has been compromised and this was reported prior to this complaint. Some accounts came back as verified but my never any physical documentation nor the means of method used to come to such an conclusion as stated within the FCRA, me as an consumer is entitled to this information if not then the following accounts shall be blocked/ deleted immediately. Accounts are as following, ( 1 ) XXXX XXXX ( 2 ) XXXX XXXX XXXX ( 3 ) XXXX XXXX XXXX   XXXX, ( 4 ) XXXX , ( 5 ) XXXX XXXX XXXX , XX/XX/XXXX, ( 6 ) XXXX, XX/XX/XXXX,XX/XX/XXXX, ( 7 ) XXXX XXXX XXXX , XX/XX/XXXX, XX/XX/XXXX, ( 8 ) XXXX XXXX XXXX  , XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2021-08-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (SC)

I am a military spouse attempting to resolve the below account. I disputed the item and the debt collector immediately increases the debt balance. The balance has since decreased. It is illegal for a debt collector to increase the balance to prove a point. Please help me resolve this issue/account. 
Account info Account name MIDLAND FUNDING Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1700.00} Balance updated XX/XX/XXXX Recent payment $ XXXX Monthly payment {$0.00} Original balance {$1700.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-08-29
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. (WA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the item which I believe appear to be inaccurate and incomplete be immediately investigated and DELETED on my credit file. I do not have a legally binding contract with this company. Additionally, there is no name associated with this file & needs to be deleted due to inaccurate information. PLEASE DELETE ASAP. 

Original creditor : XXXX Date opened XX/XX/2021 XXXX {$380.00}
Consumer complaint received 2019-02-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (IL)

I am a victim of ID Theft and have already notified my local police department and have a fraud alert setup on all 3 credit bureaus ( XXXX, XXXX and XXXX ). I monitor my credit daily and have all supporting documents supporting my ID Theft. XX/XX/2018 I received a collection letter from XXXX  stating I had an outstanding debt with XXXX XXXX XXXX XXXX XXXX for {$100.00}. I immediately in writing notified XXXX via certified, return receipt mail of my ID Theft and sent over Police report, FTC ID Theft report and request for Validation of this said account. I have never opened an account nor have I given anyone permission to open any accounts with XXXX XXXX XXXX. I received proof back that XXXX received my request but never received anything else from them showing they could even validate this account. Fast Forward to todayXX/XX/XXXX I received an alert from my XXXX credit report that a collection account was added by Diversified Consultant. So here 's where the problem lies. Number 1 I'm going to assume that Diversified Consultant purchased a fraudulent debt account from XXXX and or XXXX XXXX XXXX who knew this account was due to ID Theft and who never responded to my request for Validation. Number 2 Diversified Consultant has not one time contacted me in regards to this XXXX XXXX XXXX  account via mail or phone because if they had, then they would've been notified in writing via certified mail that this XXXX XXXX XXXX account is due to ID Theft and to send me all Validation pertaining to this account. That never happened and I was never notified by anyone from Diversified Consultant. Diversified Consultant has seriously violated FCRA rules by throwing this inaccurate, fraudulent account on my credit report without contacting me first and giving me written notice that they had bought this fraudulent debt and allowing me 30 days to dispute said debt due to ID Theft. Then I would've been allowed another 30 days to received whatever Validation they had and then go from there. So with that being said I have already filed a complaint against Diversified Consultant with Consumer Finance Protection Bureau, now with XXXX and next the Illinois State Attorney General. Diversified Consultant never sent me any written notice of said debt nor allowed me time to dispute it. This account needs to be removed off my credit immediately or I will be seeking legal action against Diversified Consultant and will sue them to the full extent of the law.
Consumer complaint received 2022-08-29
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: EQUIFAX, INC. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-08-29
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)

Describe what happen? 

Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my children and family as well. 


What would be a fair resolution to this issue? 

I want all negative items removed from my credit report because you are in direct violation in the FCRA
Consumer complaint received 2019-02-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: WLCC (PA)

I applied for and was approved for a payday loan with 3 lenders over the last 7 months trying to pay each one off only getting myself further into debt. I have paid the principal amount back plus some interest but the payments do not stop and I am financially unable to keep up. I was not aware these high interest loans were illegal in Pa.
Consumer complaint received 2024-03-25
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NC)

This goes all the way back to last year. I have several disputes with them and this has been an ongoing issue with them. My billing statement for XX/XX/XXXX had new balance {$220.00} which those would be from the disputed amounts. It had purchases nothing. Showed minimum payment due {$29.00}. called and spoke to XXXX in XXXX XXXX and she informed me I didn't owe anything. Fed statement came showing prev balance {$220.00}, other credits {$15.00}, purchases {$95.00}, fees {$29.00} late fee, Interest Fee {$7.00}. There was items on this that I had to dispute. {$30.00} XXXX shop. Which left a purchase coming to a total of {$55.00}. Called and spoke to XXXX in Customer service XXXX said she would credit acct for late fee and interest. Made my payment on XX/XX/XXXX in the amount of {$55.00} which was due XX/XX/XXXX. 
Statement comes for due date XX/XX/XXXX. showing prev bal {$340.00}. Purchases-NONE, Late Fee {$29.00} Interest Charge {$6.00}. Called XX/XX/XXXX spoke to XXXX in Customer Service said interest and late fee would be removed. Said it would take XXXX hours and nothing would be due in XXXX. XX/XX/XXXX spoke to XXXX said interest fee and late fee would be removed. Spoke to XXXX in Customer Service said you only pay for purchases made. Not disputed charges. Said things are still in dispute process and when applied would come off prev balance. Received statement in the mail today Payment due date XX/XX/XXXX. Prev balance {$290.00} Purchaes {$300.00}, fees {$39.00} late fee, Interest {$14.00}. Showing New Balance {$620.00} Past Due amount {$39.00}. Saying Min payment Due {$99.00}. Here is a break down of Transactions on this one. 
XX/XX/XXXX In XXXX XXXX {$160.00} XX/XX/XXXX XXXX {$24.00} XX/XX/XXXX In XXXX {$50.00} XXXX XXXX {$39.00} Dispute amount of {$24.00} leaving balance of {$14.00} So I should only owe {$240.00} I have been on the phone with them today of hours in regards to this late fee and interest. I was told by a manager she would not remove the late fee and interest. Even though you can see from previous conversations with reps and charges. I was not late and do not owe this late fee or interest charge. I asked to speak to someone in the disputes dept today and was told you can't speak to them. You can only fax something to them. I have also been getting phone calls from them saying I'm past due on my account. I have to call them at least once a week over this mess with this account trying to get this straighten out.