davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc. (MS)

You Violated The United States Code Law 15 U.S. Code 1666b. Timing of payments - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I was not late XX/XX/2018 and XXXX have me late 120 days past due and XXXX 180 past due.. Please provide proof the payment was late or remove it from my report. According to FCRA everything on my report has to be 100 percent accurate and verifiable. 

The Following account : 1XXXX XXXXt Acct number : XXXX Please update payment history current/never late Pleases see all attached document below.
Consumer complaint received 2017-04-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NC)

I am a   XXXX   XXXX   XXXX   XXXX   in  XXXX . I   XXXX   XXXX  , and usually the   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  .     When I deposit a check  at Wells Fargo, the y put a 7 day hold on the deposit, even though federal and state law require escrow accounts from  XXXX  and   XXXX   to be fully funded for any checks they write.     They use my money, for 7 days, and I have no access to it. They are committing a fraud, because if the money is there, is wire transferrable, and they wait 7 days -- it 's immoral, and should be illegal.     It should have to be available in  24 hours. We do n't live in the Middle A ges.     Thanks,  XXXX   XXXX   XXXX
Consumer complaint received 2016-02-12
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (OH)

I applied for a student credit card and was denied. I only have ( XXXX ) bad thing that has been on my report for 6 years and I was denied and I think it 's for credit discrimination. Everything else on my credit report is good and in great standing.
Consumer complaint received 2022-02-11
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)

XXXX account disputed several times with no outcome of being from Experian credit report even with all documentation provided XXXX letter stated they no longer manage my account and XXXX XXXX took over account ; however when I contacted XXXX XXXX in XX/XX/2022 they stated my account or name is not in their data base and sure why XXXX would have me reach out to them. This dispute has been going on for XXXX  months with no resolution. 
In addition this account was never part of bankruptcy due to being dismissed/cancelled which means it never occurred.
Consumer complaint received 2015-12-04
Product: Credit card — 
Issue: Other fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hi, I had a balance transfer off from Bank of America, and the promotion ended around XXXX / XXXX. I called into customer customer back in XXXX, and I was informed by a Bank of America associate that as long as I pay my credit card bill in full on the due date in XXXX, and I would have avoided any interest fees. I then scheduled a full payment for XXXX. 

I called after the payment was made in XXXX, just to make sure that the account has been paid off in full and that I do n't owe anything. However, the second representative then told me that I would be charged interest fees, because the promotion has already ended back in XXXX. He went through the notes of my last conversation with the previous representative, and then offered to have the interest fees waived. However, he said I have to call back in 3 days after the statement is posted, because he can not waive a fee that has yet to be charged. 

So I called back in 3 days, and I spoke to another representative. He went through the notes of the conversations with the past XXXX representatives, and then said the interest fee would be waived in 2-3 days once it is processed, and that my balance will be XXXX, and I do not have to worry about anything else. 

However, it has been almost a month since then, and when I logged into Bank of America website just to double check, I noticed that the interest charge of {$140.00} is still on the account, and that payment was due in 3 days for that amount. If I had not checked out of precaution, I would have been charged a late fee and had my credit history adversely affected, on top of additional interest fees on this interest charge. 

I called Bank of America again, and the last representative said she could not do anything about it other than to file another request. I spoke to a manager eventually, and she refused to review it and insisted that the fee is the final determination, and that the only way for me to resolve the issue is to pay the interest fee. 

I have been given different and very misleading information time after time by Bank of America. This is very shady. Had the first representative that I spoke to told me about the correct date to pay in order to avoid interests, I would have scheduled the payment for that date. I have had the balance in my checking account ready to pay it off since XXXX, but I figured I could wait till end of the promotion. However, I am now led to believe that Bank of America had intentionally given me wrong information just so that they are able to charge me interest fees. 
I hope that this complaint will be able to help me address this injustice. 

Thank you so much.
Consumer complaint received 2020-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: John C. Heath, Attorney at Law, PLLC (CO)

I have issue with Lexington Law Credit Repair.com when my wife canceled back in XXXX it was for the both of us but instead they only cancel my wife which its suppose to be mine as well too and it was billed on my wife 's credit card which was ok at the beginning but when she called to cancel it was told to the representative that it was for both of us. the next thing I find out that my wifes credit card was billed for me (  XXXX XXXX ) on her credit card. But the representative assured me it was not going to be touch because I am not authorized on that card and Lexington Law went ahead and charged my wifes card on XX/XX/2020 {$89.00} and {$19.00} that was not authorized at all. I want this problem resolved but Lexington Law crediting back unauthorize charges for me on my wifes credit card that was not authorize to be charge.
Consumer complaint received 2017-02-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: CAINE & WEINER COMPANY, INC. (CT)

I had reached out to XXXX over an outstanding debt of {$100.00} that they did not respond to my attempts to clarify if it was actually owed. They gave the debt collector my information yesterday, he called me 4 times today, my husband twice at work, and sent 3 emails one stating how disappointed he was that I did not pay my debt! I said I already settled it with XXXX and sent them a check, and he is repeatedly checking with them and telling me I paid nothing. I had to block his number. I received nothing before today from Caine & Weiner out of XXXX prior to this afternoon when I got so many phone calls and harassment, he then started sending all capital letter emails clearly stating that he was getting angry. This is NO way to treat a debtor, I was a XXXX and did XXXX for 7 years and I would never treat someone this way, let alone over a debt of {$100.00}!!!
Consumer complaint received 2015-05-05
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: TD BANK US HOLDING COMPANY (MD)

XXXX XXXX XXXX has taken legal action without attempting to agree on payment plan or settlement agreement. I have requested to speak to the person in charge of wage garnishments and I have been ignored. Plus, I have been threatened to pay the bill in full without a chance to reverse the wage garnishment.
Consumer complaint received 2023-03-27
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: LCI Acquisition Inc. (MD)

XX/XX/22 I sent a letter to the courthouse asking do they report bankruptcies to the credit bureau and I got a letter stating They do not report any bankruptcies to anybody So if thats the case, how did the credit bureau verify this bankruptcy as 100 % accurate. They never did a fair investigation according to the 15 USC 1681 15 USC 1681 section ( 3, E ) States : The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit Bureau violated my given right under 15 USC 1681 According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy According to : 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-07-18
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XXXX I set up a {$10000.00} line of credit for my small business with Bank of America. I understood that I would be paying back this loan in increments and that they would be automatically withdrawn from my checking account. I never ever received any statements in the mail. Over the ensuing years I admit that I forgot about this debt, but assumed that the withdrawals the bank had been making had wiped it clean long ago. 
This past Saturday I decided to review everything online and discovered that, for the past 18 years BofA has been withdrawing about {$90.00} from my checking account monthly but then slapping that account with an equivalent finance charge of virtually the same amount. So I estimate I 've paid the bank about {$18000.00} over the 17 years and my balance due has only been reduced to {$9700.00}. I was absolutely shocked!!! To add insult to injury, the bank also has charged me a $ XXXX/year membership fee!!! Insane! 
The bank has claimed that they did not have my correct address and therefore no statements could be sent. But all my other bank statements are mailed and received. And all the statements I could retrieve online ( only as far back as XXXX although I 've ordered earlier ones ) all have the correct address printed on them. 
For the past decade I have been very diligent in paying all my bills down to XXXX balance every month. But without getting a statement, I had no idea about this debt hanging over me. I could have, and would have, paid it off many years ago. 
I called the bank on Saturday but received no satisfaction. Basically, they claimed that they did nothing illegal and therefore were under no obligation to forgive anything. The most they would consider would be to wave the last three months of finance charges. End of story on their part. 
I do realize that I am not totally in the clear ... I should have been diligent and aware, but the account was set up long before there was any online banking. So without printed monthly statements ( like I have received for every other loan I have ever been involved with ) it is easy to lose track. When I look online, now I see that they list a balance of approx {$9700.00}. But, honestly, because that number has never changed for years, and I have n't used the line of credit at all, I have assumed that was the amount that I had available. 
So basically BofA had constructed an easy $ XXXX/month money-making machine which would have gone on indefinitely as long as I did n't figure it out myself. They in no way ever attempted to contact me through phone or email or other means, although they have contacted me plenty about all sorts of new products and services. 
Please help! 
( note : I am attaching the most recent statement that I found online from XXXX XXXX )
Consumer complaint received 2015-04-01
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: World Acceptance Corporation (GA)

This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT!
Consumer complaint received 2016-05-09
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (GA)

In XXXX XXXX, I followed a link that was on the CitiBank website to open a new checking account. At the time of opening that account, there was a promotion that was being offered that said that XXXX XXXX Thank-You points could be earned by completing qualifying activities after opening a new CitiGold checking account. After completing the activities as specified in the original terms when opening the account, I sent a message through the CitiBank website to inquire about the XXXX Thank-You points that I was supposed to receive as a result of participating in the promotion and completing all of the necessary requirements. I received a response back from CitiBank indicating that I had indeed completed all of the requirements of the promotion on XXXX XXXX, XXXX. I was then told the bonus points would be credited to my account no later than the end of my XXXX XXXX statement period, which ended on XXXX XXXX, XXXX. After this date passed and no points were credited to my account, I called twice and also sent messages through the CitiBank website. I was given several different responses, including one customer representative denial that I was signed up for the promotion, another customer representative said that I was not qualified for the promotion, etc. However, I pointed out to all of them that I had verified earlier both at the time of signing up for the checking account, as well as, after I had completed all of the requirements of the promotion that I was indeed qualified and had completed all of the necessary requirements for receiving the bonus XXXX Thank-You points. I have also attached to this complaint a written copy of the letter that was sent to me directly from CitiBank that confirms that I was enrolled in the offer, that I did complete the requirements of the offer, and that they stated that I would receive the XXXX Bonus Thank-You points by XX/XX/XXXX statement.
Consumer complaint received 2015-07-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Financial Credit Network Inc (ID)

this is a fraud case and I filed a fraud affidavit with the FTC and sent it to Financial credit, but they refuse to acknowledge the information and continue to collect and report adverse information on my credit report. I told them that I have never opened a gas service account and I never lived near or at the address they say the account was located. I was homeless or living in a VA home shelter for 10 years. I had no need for a utility.
Consumer complaint received 2021-07-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SERVICEMAC, LLC (CO)

My mortgage servicing company is XXXX. My escrow was due to be paid on XX/XX/XXXX. It was not paid. My insurance broker from XXXX XXXX called the company to find out what was happening as my taxes and insurance come out of my monthly payment. They told him they sent the escrow check out to XXXX on XX/XX/XXXX. Today I received a letter from XXXX dated XX/XX/XXXX stating they had not received my payment and would cancel my policy if the payment wasn't received by XX/XX/XXXX. I spoke to the customer service dept at XXXX and also went online to my account and found that the escrow payment was sent out XX/XX/XXXX. I asked the representative if that payment would arrive at the insurance company by the XXXX of XXXX and she stated it would. However, with the state of the USPS, my insurance representative thought it best to give me an extension. 

I pay my mortgage bill on time and I expect that the money to complete my taxes and insurance will be sent on time. 

In all the years I have had mortgages not ONCE have I had to explain to my insurance company why the payment is late
Consumer complaint received 2022-02-11
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: SYNCHRONY FINANCIAL (FL)

Upon applying for a apartment I was advised to check my credit report. When I requested a full credit report through XXXX XXXX I noticed a collections and, balance owed. 
There was a credit card opened in my name with some of my info for a Synchrony Car Care credit card. It stated I was in collections for a balance that I supposedly owed. I then contacted Synchrony Bank, gave them my info, and was told the card was opened in XX/XX/XXXX, and there was a balance of {$2300.00}. I informed then that I did not open said credit card, that I did not get my first car until XXXX. They said they would open a investigation. It would take XXXX I believe, maybe 45 days. I later received a letter stating case was denied. For a Synchrony XXXX credit card. I contacted them again, and informed them the XXXX card was paid in full, and gave them Car Care card through them. After waiting my mother contacted XXXX and gave them all the info that we had. My mother got involved because she had accounts from XXXX on herself, my younger brother, and myself, and at the time this happened I was a minor and that they never contacted my mother to alert her this was happening. Moving forward my mother, myself, XXXX with XXXX XXXX, and Synchrony Bank have had NUMEROUS contacts re ; this issue. today XXXX, my mother, and XXXX all got on the phone with XXXX with Synchrony Bank who informed us that it was denied again XX/XX/XXXX. XXXX did let us know he will submit another XXXX form and advised us to contact you.
Consumer complaint received 2018-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I contacted the bureau regarding a collection account that I do not believe I owe as it is from XXXX XXXX at a time when my husband and I were in XXXX. I asked for proof of where this random debt came from twice via certified letters once in around XXXX and I resubmitted a request for proof at the end of XXXX. It is currently XX/XX/18 and I have yet to see any documentation regarding this bill/collection account ( XXXX ) from the credit bureau or the collection agency.
Consumer complaint received 2022-09-05
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 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. 

Here is the list of account/items which do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/20 Balance : {$650.00}, According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-03-27
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Hard inquiry on my credit report from Bank of America on XX/XX/2023. I did not apply for any form of credit with this company. At that time. Ive already called the company to report it. They advised me to also report with FTC and to the XXXX credit bureau in which it was reported to.