davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (PA)

Citi refuses to help me via chat, and their phone " help '' is incompetent. I've wasted many hours trying to get this figured out and nobody will help me. Their so-called customer " service '' is pathetic. 

There is a discrepancy between chat Citi says was charged / refunded, and what XXXX claims was charged / refunded. I need to know who's telling the truth and proof of it, and where's my money. 

My credit card XXXX ( card since cancelled ) shows these XXXX charges : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Note that there are TEN charges of XXXX, plus XXXX in interest. Total XXXX. ( I don't know why XXXX made XXXX charges of XXXX and XXXX, or XXXX and XXXX. But they add up to XXXX. And the charge of XXXX is actually XXXX charges of XXXX, plus XXXX interest. ) My credit card statement also shows these credits : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX ( later charged back on my XXXX statement on XX/XX/XXXX, so I'm not including it in the math ) XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Note that there are XXXX refunds of XXXX ( I'm putting the XXXX and XXXX together ), plus interest of XXXX, that was refunded. Total XXXX. 

So I paid XXXX a total of XXXX, less XXXX, or XXXX. Which is XXXX * XXXX. 

However, XXXX claims that they refunded XXXX charges of XXXX, below : This is the MasterCard reference for the refund of {$1.00} Recon ID # XXXX This is the MasterCard reference for the refund of {$38.00} Recon ID # XXXX This is the MasterCard reference for the refund of {$39.00} Recon ID # XXXX This is the XXXX reference for the refund of {$39.00} Recon ID # XXXX This is the MasterCard reference for the refund of {$39.00} Recon ID # XXXX This is the MasterCard reference for the refund XXXX {$39.00} Recon ID # XXXX Please tell me whether these XXXX refunds, above, were actually made - were there FOUR refunds of XXXX or FIVE? And if there were XXXX, why do my credit card statements only show four refunds? And where is my missing XXXX?
Consumer complaint received 2024-03-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (GA)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS WSLFRG XXXX XXXX XXXXXXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from WSLFRG XXXX XXXX  WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT XXXX AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL XXXX!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Consumer complaint received 2024-03-03
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am complaining that the bank branch was closed during regular banking hours. This created a significant hardship for me on a Saturday afternoon, right before the weekend. 
Today, Saturday, XX/XX/2023, I drove to the Bank of America branch located at XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX ( I drove a fair distance from where I was staying because this branch, according to the Internet, was one of the only Bank of America branches in XXXX XXXX that would be open today, on Saturday XXXX. I knew I needed to arrive well before XXXX, especially because I was intending to pay off my credit card, collect my remaining funds, and close my account. By the way, I have been a Bank of America customer for 50 years (! ), since I was XXXX XXXX XXXX, but I am now retired and XXXX and I have become frustrated that they will not give me a free or low-cost account. The only way to avoid most fees is to keep {$1500.00}. in my account. ) Note : This is a regular functioning branch and I have previously visited the branch as recently as one week ago. Their posted hours on XXXX are XXXX XXXX  - XXXX XXXX. I walked up to the door at XXXX XXXX  and was astonished to find the branch closed! According to my online research, today, XX/XX/XXXX, is NOT a recognized federal or bank holiday. I was super annoyed and upset to have taken significant time out of my day and to have driven a distance to get to this sole open branch on a Saturday afternoon. I needed to take care of my credit card payoff and cash collection TODAY for significant personal reasons, but was unable to accomplish my banking work due to this unexpected bank closure. Why was the bank closed at XXXX XXXX  when it was supposed to be open until XXXX XXXX?
Consumer complaint received 2024-02-20
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I have consistently paid on time for this account, and that is making me extremely anxious to see the wrong late payment entries. I haven't failed in my commitment to paying on time. This error has a significant impact on my mental well being, affecting my sleep and my peace of mind. I'd like to request an immediate correction of my statement, and I hope you're aware of the urgency of the situation.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$4300.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$4100.00} XX/XX/XXXX XXXX XXXX {$2000.00} XX/XX/XXXXXXXX XXXX  XXXX ************ {$1900.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$1400.00} XX/XX/XXXXXXXX XXXX XXXX {$1000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$980.00} XX/XX/XXXXXXXX XXXX XXXX {$840.00} XX/XX/XXXX XXXXXXXX XXXX ************ {$800.00} XX/XX/XXXXXXXX XXXX XXXX {$660.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-08
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: GOLDMAN SACHS BANK USA (MN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX ( Account # : XXXX Balance Owed : {$27000.00} Date Opened : XX/XX/XXXX ) and XXXX XXXX XXXX Account XXXX XXXX Balance Owed : {$660.00} Date Opened : XX/XX/XXXX ) have violated my rights under 15USC 1681 Section 602 states I have the right to privacy. Under 15 USC 1681 Section604A Section 2, it also states a consumer reporting agency can not furnish an accounts without my written instructions. Under 15USC1666B a creditor may not treat a payment on a credit card accounts under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2022-01-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF THE WEST (CA)

On XX/XX/XXXX, my checking account was overdrawn, causing me to be assessed an overdraft fee. Over the course of 5 days, I was assessed {$210.00} in overdraft fees, even though I deposited over {$700.00} over the course of several deposits. Because I could not deposit them quickly enough, I was continued to be charged for having overdrafts. When I reached out to the bank, they refused to credit any of the fees, citing that I had had one overdraft fee refunded in XXXX of XXXX. This was on XX/XX/XXXX. I believe that these types of fees directly impact customers who are clearly struggling, and prevent them from bringing their accounts out of default.
Consumer complaint received 2023-06-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (IL)

hi, on XXXX Around XXXX XXXX  I looked out of my back door window and notice our car was missing from our drive way I immediately told my wife then picked up the phone to call the cops and couldn't find the vin : # because it was in the glove box along with other important papers so I called west lake financial our leading provider to ask them for the vin : # which I new would be required by the police only to find out from it was west lake that had taken our vehicle so I asked them why had they taken our vehicle and was told because we Haden made a payment since XXXX which was a lie because we had conformation E-mails from west lake Financial confirming that they had received payments from us in XXXX  so then the west lake reps began trying to denies there own E-mail conformations I then requested to speak to a supervisor or manager and was denied and further told by a west lake rep that the only way for me and my wife to get our vehicle back would be to pay XXXX in cash
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.
Consumer complaint received 2021-05-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Scheer, Green & Burke L.P.A. (FL)

XXXX XXXX XXXX ( XXXX ) XXXX is reporting a collection amount of {$310.00} Account # XXXX which they are indicating they transferred to Scheer, Green, and Burke CO. LPM ( XXXX ) XXXX ext XXXX and can not update my credit report. I contacted Scheer, Green, and Burke CO and paid the {$310.00} File No XXXX, but they are stating that XXXX XXXX XXXX still has my file and has to update my credit report. Soo..I called United Collection Bureau and they stated that I no longer have an account there, have no record of me paying it off, and can not update my credit. I have attached my credit report showing the collection from XXXX XXXX XXXX and the receipt from Scheer, Green, and Burke. Few things 1. Why is United Collection Bureau reporting a collection amount of {$310.00} when they state they don't have an account for me? 2. Was it incorrect of me to pay Scheer, Green, and Burke? 3. How do I get this removed from my credit ( either completely or as paid )?
Consumer complaint received 2020-05-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I decided to get my credit pulled due to a couple of collection letters I continued to recieve in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX {$4000.00} XXXX {$160.00} XXXX {$380.00} XXXX {$50.00} XXXX $ 217 XXXX  {$90.00} XXXX {$310.00} XXXX {$220.00} XXXX {$580.00} XXXX {$600.00} XXXX {$24000.00} XXXX XXXX   XXXX XXXX {$3500.00}
Consumer complaint received 2022-01-13
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Northern Resolution Services (TX)

Contacted by Northern XXXX Services  and threatened. Was told they are serving me papers unless I pay them right away. Also trying to contact friends and family using fraudulent claims and illegal tactics. This company is a known scam and already been fined several times for using deceptive and illegal practices. Their numbers are XXXX and XXXX.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KS)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-01-13
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. (SC)

I tried reaching out to this bureau several times about accounts that are reporting on my credit that DO NOT belong to me! This information is fraudulent and I want it investigated and removed from my credit report.
Consumer complaint received 2018-03-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (GA)

To whom it may concern my name is XXXX XXXX. Recently while attempting to log on to my online banking, I discovered an error code which led me to call my banking institution XXXX XXXX XXXX XXXX. I called and was told by a customer service representative a lien was placed on my account due to Writ of Garnishment in the amount of {$2200.00}. I was told to contact the company who placed the lien which was XXXX XXXX XXXX. I contacteXXXX XXXX XXXX XXXX the debt collector to get verifiable information and was told that there wasnt much information they could give me and that I would have to contact XXXX XXXX Courthouse to see if they can tell me what the case is about and any other information I may have. I was told that said debt was open in XXXX and I was still in XXXX at the time. A judgement was placed on the debt in XXXX and that theyve been trying to collect in the debt since XXXX. In accordance with the Florida Statute of Limitation for revolving accounts such as credit cards the statute of limitations is four years. I was unaware of any judgement, lien,  voluntary garnishment, lawsuit, etc. associated with this debt.
Consumer complaint received 2022-01-13
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: American Credit Acceptance, LLC (GA)

XXXX XXXX XXXX Account # XXXX Date XXXX Balance : {$2200.00} I never had late payments. Take a look on the payment history it shows inaccurate report.
Consumer complaint received 2021-05-20
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Performant Financial Corporation (GA)

Performant called XX/XX/XXXX at XXXX XXXX, left no message. 
Performant called XX/XX/XXXX at XXXX XXXX, left no message. 
Performant called XX/XX/XXXX at XXXX XXXX, left no message. 
I know of no debt, past or present, that I owe to anyone.
Consumer complaint received 2018-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

i noticed on my credit report XXXX XXXX account number XXXX having incomplete and inaccuracies. i have tried to dispute this item and it still remains. now i have proof the no real fair and thorough investigation took place. i never received proof of this investigation they claim its been verified but have yet to send my any documentation on how and why it remains. first off equifax doesn't even have an account number listed on this account and the open date is incomplete its XX/XX/2016 not XX/XX/2016. the same company reports to all three bureaus so they should all reflect the same information. if not how would anyone know that the account is accurate? it is also missing payment history and payment history is not the same across all three bureaus. incomplete and inaccurate accounts must be deleted per the FCRA and FDPCA. it shows on original amount of XXXX and a current balance of XXXX but no payment history ever. how can that be if there was no payment? and if there was a payment then it is not listed which is incomplete. either way incomplete or inaccurate.
Consumer complaint received 2022-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

In accordance with the Fair Credit Reporting act the following accounts : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX- XXXX XXXX  XXXX - XXXX XXXXXXXX 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