davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ray Klein, Inc. (PA)

PROFESSIONAL CREDIT SERVICE # XXXX* XXXX XXXX XXXX XXXXXXXX XXXX XXXX OR XXXX ( XXXX ) XXXX I disputed the above named company for reporting that I owed them {$94.00} dollars. I spoke to this company via phone in XX/XX/2019, and asked them to identify me as the person who opened a telephone account with their company. The above named company could not provide me with a social security number that I provided them with to positively indentify me as the person who had a phone account with their company. 

Moreover : 2. above company has reported and has continued to report such derogatory remarks without a license to collect or operate in my current home state, my current address ; 3. above company has reported and has continued to report such derogatory remarks without having a signed and authorized document from me as doing business with them. Or hiring or soliciting their services or purchasing their products/items ; 4. above company has reported and has continued to report such derogatory remarks by purchasing an alleged debt I owed to another company or business/provider, without my consent ; 5. above company has reported and has continued to report such derogatory remarks by purchasing an alleged debt I owe as third-party debt collection and is not the original company, business, provider of such item, service or product ; 6. above company has reported and has continued to report such derogatory remarks without notifying me at my address or by phone to make me aware of such debt. Thus, failed to do so. 
7. above company must submit to Consumer Finance what name was submitted for these alleged business transaction ( s ) and/or service purchased. Or any items purchased. Above company named must submit the correct spelling of my name and address I reside at while contracting or purchasing their services or items. Above named company must provide full information identifying me as the person doing business with them on said date submitted above.
Consumer complaint received 2018-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (FL)

I put {$10000.00} into a secured credit card with Wells Fargo. After nearly XXXX years, they would not release the funds and extend my credit. 

I paid all my bills on time, I had XXXX fico and kept my debt ratio below 30 %. They would still deny releasing my funds and would not give me ANY reason for the denial. 

About a month ago I walked into Wells Fargo and needed my money back because I am going through a divorce. I told the banker they can either do 2 things. 

1. release my money and extend the credit. 

2. I close the account entirely. 

The banker advised 1 - me if I wanted to close the account it would take XXXX days. 

2 - for a {$400.00} fee they would release the funds for me today and extend my credit. 

I left the bank feeling like the problem had been solved even though I paid {$400.00} to have them release my funds and extend my credit. About a week later, I went to my online banking and saw that my secured credit card was maxed out and the credit had in fact not been extended. 

Now they have already charged me {$400.00} after misinforming me, and now a further XXXX interest fee. The bank advised me that I would have to pay {$600.00} by the XXXX if I want to stay in good credit standing. 

I NEVER intended to do a XXXX XXXX only to close the account if they were not going to release my funds and extend my credit.
Consumer complaint received 2023-02-16
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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 2021-05-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (FL)

This been happening since 2018 different collections agency has been trying to collect a debt that I have with XXXX XXXX XXXX.So I never signed any contract with this company and im an att regular ccustomers now this company IC SYSTEM they keep reporting to credit bureaus that I have a debt and before other collections agencies tried to do the same thing but always have been removed because they don't have any proof of this debt.
Consumer complaint received 2020-07-05
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 contracted Equifax several months again in regards to ab collection account showing in my credit report under the name Fair in and out for invitation homes original creditor. I advised Equifax that the account was a result of someone using my name and that the account needed to be deleted. I advised XXXX and XXXX if the same information and provided the sand both both have deleted the account however Equifax continues to report this account. Please see attached information and follow the other bureaus by deleting the collection item
Consumer complaint received 2020-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IN)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute sent XX/XX/2020 60 Day demand to comply sent XX/XX/2020
Consumer complaint received 2017-08-06
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. (NV)

There have been unauthorized inquiries on my Equifax credit report, they need to be removed immediately as i have already contacted the creditors who to recognize they 've made an error. I 've sent the creditors responses to Equifax who totally ignored the letters i received stating the inquiries should be removed. This this taken care of as soon as possible otherwise ill seek immediate litigation.
Consumer complaint received 2020-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (IL)

I scheduled a payment to Citi through my credit union 's online bill pay. The date to pay BY was the due date from Citi on my statement ( XX/XX/XXXX ). The credit union sent a check instead of an ACH ( they do not allow me to choose ). The check arrived LATE due to Trump Administration 's slow down of the mail! Now I got a late fee ( they reversed that ) and interest charges ( I was informed by XXXX at Citibank that that is a " legitimate '' charge so they can't reverse the charges, even though I have stellar credit and never had an issue, even with any other credit provider! ). Now I have to pay over {$45.00} for the slowness of the U.S. Mail. I have filed a complaint with my credit union.
Consumer complaint received 2022-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL (DE)

I have several credit accounts with Synchrony Bank. I filed a dispute about a transaction in XXXX of 2021. When I tried to access my account, I was given the run-around. I tried several times to access my account using the website. 

I was placed on hold for more than 20 mins, no one came back to check. I was also sent a text, after providing the last 4 digits of my social security number. The representative also stated that the number on file which works could not be used even after she sent me the 5 digit code. 

What I do not understand is that in the age of technology, why are customers being subjected to these ridiculous methods of verification. If a customer has an online account then that method should be used, which includes the use of email attached to said account.
Consumer complaint received 2017-08-05
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. (IN)

On XXXX.XXXX.2017 I initiated a dispute with Equifax concerning incorrect information within my credit file. After their investigation, they correctly removed two of the three disputed items. The remaining disputed item was being reported incorrectly. It was a state tax lien that has been paid. Equifax was not showing it as paid as the other credit reporting bureaus were. This item was not corrected.
On XXXX.XXXX.2017 I initiated a dispute with Equifax concerning the tax lien that was still not reporting as paid. I did at this time also include additional information concerning the removal of incorrect information and agreement that all XXXX credit reporting agencies mad with the National Consumer Assistance Plan. This plan states that liens without proper identification, social security numbers, consumers ' names and addresses, dates of birth or other federally mandated identification can not be included within a consumers credit report starting XXXX XXXX, 2017. All XXXX bureaus signed onto this agreement. This tax lien is being reported by a 3rd party, and not Equifax themselves. Equifax has not verified any information themselves, which they are required to due now. At the least, this lien is paid. At the most, this lien should be removed from my credit report. The other XXXX reporting agencies have removed it in accordance with the agreement between the National Consumer Assistance Plan and trhemselves.
Consumer complaint received 2017-08-05
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 — Problem with personal statement of dispute
Company: U.S. BANCORP (AZ)

This complaint is on US Bank for failing to correct credit bureau reporting. I have been a customer in good standing with US Bank for at least ten years but have rarely used my card in the last few years. XXXX XXXX has had a history of charging my card without my knowledge after new vehicle purchase. It seems like the dealer might be providing my credit card information without my consent. This occurred in XX/XX/XXXX and XX/XX/XXXXand both instances were disputed and the charged amounts were refunded by XXXX XXXX. As a result of these fraudulent charges, my credit card went 60 days late as I was not aware of the charges and I do not use the card. The credit card company agreed the charges were fraudulent and reversed both late payments and the interest charged. However, they have not corrected the late reporting to the credit bureau.
Consumer complaint received 2019-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE (CA)

I was recently approved for a Barclays AAviator business card and received the card on XX/XX/2019 with a credit limit of XXXX. As of XX/XX/2019 my transactions were not going through in store. I called Barclays card customer service rep ( XXXX ) and they said Barclays needs my social security card, last years tax return, and drivers license due to " review ''. I asked for why the review occurred and they could not specify why. They told me to fax the 3 documents over. I complained that these 3 documents will cause risk of lose through a use of a public fax machine as I did not have one. They said I can email them the documents @ businesscardsarsmail@barclays.com I attempted to email them today and I received notification of invalid email address. 
I'm wondering the reason why to send over these sensitive documents without attempting to call, email, mail or notify me these are required. I do not understand why they would approve my card and then block my purchases starting today? It doesnt make any sense. I have a checking account with them for over 7 years and my credit score is over 800. I XXXX a similar problem and that person filed a complaint and executives were emailed and then they canceled the documents requested. 

I just dont understand why I have to send a copy of my Social security card, drivers license, and last years tax return! It's too risky to send via fax. 

For reference the login portal for my credit card is aviatorbusinesscard.com and its owned by Barclays.
Consumer complaint received 2020-10-26
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 — Problem with personal statement of dispute
Company: VEROS CREDIT, LLC. (TX)

This derogatory mark on my credit report.Upon further research this account was transferred/sold and I am no longer responsible for the account.Debtors creditor did not verify this collection.According to the FCRA my rights have been violated and Im requesting legal action to remove this account immediately.
Consumer complaint received 2020-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (OH)

CITI bank forcing paperless billing without consent. 
Did not get a paper bill for XXXX then again XXXX. Card was then shut off until I called them then sent check for entire balance XXXX {$2000.00} I paid {$25.00} fee {$20.00} interest for XXXX statement then paid {$39.00} fee {$31.00} interest XXXX statement. Was told no refund then it is on my credit report. I would like it expunged from my record and Citi need not turn accounts into paperless at there will will they acquire your e-mail address. I ordered a new card online prior to this and they signed me up for paperless automatically. I did NOT approve they say I did. 
No one pays a bill they do not receive. I am positive this has happened to many others. I believe the interest and fees they charge under these circumstances are fraudulent
Consumer complaint received 2021-02-23
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: BARCLAYS BANK DELAWARE (MN)

There is unknown hard inquiry on my credit report. Im requested the verification of the inquiry and the method of verification. BARCLAYS BANK DELAWARE Inquired on XX/XX/2020. This is my second request. For the first time no response came in 15 days. ompanies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated this inquiry.
Consumer complaint received 2018-07-14
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Patenaude & Felix A Professional Corporation (CA)

Hello CFPB, I hope you can help me. 
After closing my case in XX/XX/XXXX, Case Number XXXX ( public information and can be looked up online in California Courts records ) Patenaude and Felix, a collection company with the address XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, sent me a letter informing me I still owe a balance of {$820.00} outside of the settled case. I do not owe this amount and I called them and they told me I need to pay this amount to satisfy their client which is XXXX XXXX. The specified amount I owed was paid off and the case is closed. Now they are also calling me constantly and I need your help to stop them. Thank you very much for your time.
Consumer complaint received 2018-07-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC (FL)

In XX/XX/XXXX we bought a used truck from a big car dealership in XXXX Fl. They financed it with XXXX, big office in XXXX. The truck was paid off in XX/XX/XXXX. We have the title, someplace. In XX/XX/XXXX the registration had to be renewed, we could not do it on-line, as we had done for 10 years. I went to Florida DMV and they could not renew the tags because there was an electronic lien on the truck. WFS/Westlake financial services, we never had a loan of any kind with them, had placed a lien. We can not sell, donate, give away this truck or renew the tags with their lien on the truck. I called customer care (? ), was put on permanent hold, after endless transfers, they only wanted my loan number, don't have one, nobody knew about electronic liens, nobody had a name, was hung up on three times. My truck is being held hostage by WSF/Westlake financial services. At some point, I will get a bill to release the lien. If you are buying a car, motorcycle, anything, do not use WFS/ Westlake financial.
Consumer complaint received 2020-10-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings (IN)

I do not owe any debt to my prior landlord ( The XXXX XXXX XXXX XXXX  in XXXX, IN/XXXX  XXXX XXXX XXXX XXXX XXXX. I paid my rent in full and on time and provided notice of my intent to vacate the property per the terms of my lease at the end of my lease term. I did not cause any damage to this apartment. 

In this instance, my prior landlord is engaging in extortion, using intimidation and threats to compel me to pay money that I do not owe. I was referred to a collection agency ( IQ Data International ) and this debt has damaged my credit score. This debt has been pursued for several years even as I have filed disputes. I have attempted to communicate with IQ Data International. My mail was returned because IQ Data International moved and left no forwarding address. I sent my communications to the address IQ Data International provided the credit bureaus and includes on their correspondence to me. IQ Data International is being intentionally evasive. 

The XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and IQ Data International has not provided any proof or documentation of damages ( including requested photographs, repair costs and invoices for repair services or materials ). I filed a complaint with the Indiana Attorney General, XXXX XXXX XXXX and various other consumer affairs agencies when this debt was initially pursued in 2015. Further pursuit of this debt violates the Fair Credit Reporting Act as this debt is inaccurate and unverifiable. Pursuit of this debt constitutes fraud and harassment by my former landlord. 

I am not attempting to purchase a home and this item is increasing the interest rate on my mortgage. Please note, I am an attorney. Your assistance is much appreciated.
Consumer complaint received 2020-09-01
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (NV)

My mother passed away on XX/XX/2020 leaving myself as beneficiary on several accounts listed as " Payable on Death ''. I went to the XXXX XXXX XXXX branch of Wells Fargo at XXXX and tried to close the accounts. I was told I would have to make an appointment and I understood. The appointment was for the following Monday when I presented all of the documents that were required to claim the accounts. I was told that due to some activity on the account there was a fraud hold on the account and I would have to come back to the branch in three days to close the accounts. I returned on the appointment and after about two hours in the managers office I was told the fruad couldn't be cleared for another five to seven days. Today is the seventh day and I have not heard from XXXX the manager yet. 
The fruad they are investigating is on a credit card account which I had the authority to use for final expences, but Wells Fargo tied up the other accounts which are separate from one another. This action is totally unacceptable as is the time frame for the transfer of funds. I have expressed my concern to XXXX to no avail and now I turn to you for a possible solution. I live aproxamently 80 miles from this bank and I am XXXX years old and dependent on friends for transportation. 
Any help you could provide would be appreciated. 
Thank You XXXX