davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AZ)

To whom it may concern, I XXXX XXXX is stating on 2019 I hired XXXX XXXX  and XXXX XXXX The lawyers name was XXXX XXXX XXXX my actions was to get my finance together with payment 's paid to the creditors every month but the payment arrangements was not livable and none the paper work was filed to the creditors paid the company XXXX $ fired them for non-compliance asked for a refund never got it. WE never went thru the whole process of the bankruptcy I never went to court to finalize .I got a dismissal letter in the mail.
Consumer complaint received 2015-08-19
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: MNE Services, Inc (FL)

I do not have a loan with this company and I received this email todayNotice For XXXX XXXXXXXX XXXX ( XXXXXXXXXXXX ) Add to contacts XXXX Keep this message at the top of your inboxXXXXXXXXXXXXXXXXXXXXCASE FILE # :XXXXXXXXLOAN INFORMATIONDUE AMOUNT- $ XXXXXXXXLOAN COMPANY- USA FAST CASHYou are going to be legally prosecuted in the Court House withincouple of days.. Your SSN is put on hold by US Government, so beforesomething goes wrong we would like to notify you about this matter. Itseems apparent that you have chosen to ignore all our efforts tocontact you in order to resolve your debt with Payday Services. Atthis point you have made your intentions clear and leave us no choicebut to protect our interest in this matter.? 


XXXX XXXX XXXX XXXX HAS STATED XXXX SERIOUS ALLEGATIONSAGAINST YOU UNDER THE DEBT COLLECTION PRACTICES Act, SECTION XXXX AND THEY ARE : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION ( 4 ) AND THE BIGGEST ONE IS E.F.T. THAT IS ELECTRONIC FUND TRANSFERNow, this means few things for you. If you are under any stateprobation or payroll we need you to inform your superior or managerwhat you have done in the past and what would be the consequences oncethe case has been downloaded and executed in your name. If we do nothear from you within XXXX hours of the date on this letter, we will becompelled to seek legal representation from our in-house attorney. Wereserve the right to commence litigation for intent to commit wirefraud under the pretense of refusing to repay a debt committed to, byuse of the internet. In addition we reserve the right to seek recoveryfor the balance due, as well as legal fees and any court costincurred. 


WE HAVE ALL THE RIGHTS RESERVED TO INFORM TO FBI, FTC, YOUR EMPLOYMENTAND BANK ABOUT FRAUD. 


And once you found guilty into the court house than you have to bearthe entire cost for this law suit {$5400.00} which is excluding loanamount, attorney 's fees, and the interest charges. You have the rightto hire an attorney. If you do n't have one or if you ca n't afford thenone will be appointed to you. We believe that this was not your intentand that these steps are unnecessary. We merely require you to contactour recovery asset location department at XXXX between XXXXXXXXto XXXX ( EST ). 


IF YOU HAVE ANY QUESTION OR QUERIES PLEASE FEEL FREE TO CALL US BETWEEN WORKING HOURSON : XXXXXXXXUSA.FAST CASHLEGAL GROUP OF ATTORNEYSXXXXXXXXCopyright ( C ) XX/XX/XXXX - XX/XX/XXXX USA.FAST CASH | Privacy | Terms of use ( C ) XX/XX/XXXX XXXX Terms Privacy & cookies Developers English ( United States )
Consumer complaint received 2017-03-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (PA)

I scheduled XXXX online payments that PNC sent out as checks. I was charged an overdraft fee for each check even though they did n't post to my account until XXXX and I was n't notified until XXXX. I the past they have always given until XXXX the next business day to cover any overdrafts, in fact this is their stated policy : PNC 's {$5.00} safety buffer PNC allows a {$5.00} margin of error. If you 're overdrawn by {$5.00} or less, PNC will refund any overdraft fees. 
Also, if you overdraw your account but then deposit enough money to be within the {$5.00} margin by the end of the business day, you wo n't be penalized. PNC will automatically refund any overdraft fees. 
However when I called and spoke to two different supervisors I was told that because the items were sent as checks the buffer policy did not apply as I should have had the money available for when the check processed, which I did, I had checked the account the day before after business hours and the checks had not presented. So when I went to transfer the funds the following business day as per the buffer, there were already XXXX overdraft fees in excess of the amounts that were covered! After multiple calls I was refunded XXXX of the overdraft fees after being " educated '' regarding PNC 's current policy in regards to checks. I asked how I was supposed to cover the XXXX checks on the same business day if they did n't post until XXXX and was told again that the buffer did not apply to checks which is not stated in their policy. Unfortunately this is not the first time having issues with them.
Consumer complaint received 2015-07-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HW Holding, Inc (OH)

I sent a correspondence to Hunter Warfield at XXXX XXXX XXXX XXXX, XXXX, FL XXXX ( XXXX ) XXXXThird Party CollectionsI demanded a validation and verification basically some form of contract background. I received a letter stating that the account could not be verified and that they would send information to the XXXX Major credit bureau XXXX, XXXX, XXXX to have the account deleted and removed. The account in question was deleted from my XXXX XXXX report. However the account was reported as being closed on my XXXX and XXXX reports when it should have been deleted.
Consumer complaint received 2022-08-04
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. (SC)

The unverified account specified below continue to report on my credit report despite the previous sent letters, in violation of federal law. I dated the previous letter I sent to Equifax credit bureau last XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be validated ( A ). I will take legal action against you if you do not confirm this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX Balance {$1000.00}
Consumer complaint received 2023-02-01
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FC HoldCo LLC (NV)

A vehicle from 2017 is reporting {$0.00} balance on my credit report. I received a judgment from an attorney located in Arizona by the name of XXXX XXXX XXXX who is acting on behalf of a company XXXX XXXX. This attorney XXXX XXXX XXXX owns XXXX XXXX which has an office in XXXX, AZ as well as XXXX, WA. This person has threatened me with garnishments that total {$19000.00}. The legal civil limit foe a civil complaint in Nevada is {$15000.00} and an attorney can not own and operate the same collection agency that they represent. I have never had any written or oral communication with this attorney and or his collection agency therefore never having the opportunity to respond to any claims against me. I will be reporting this man to the Attorney Generals Office and the Board of Attorneys for unethical practices.
Consumer complaint received 2017-03-03
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (TN)

I had a family emergency in XX/XX/XXXX and took out an {$800.00} loan from a company called Big Picture loans. I was told by a representative of the company that I would have to pay back {$1000.00} which included a {$200.00} finance charge. I thought that was kind of steep but I agreed to that term. They begin taking out {$200.00} bi-weekly out of my account. Once I reached the {$1000.00} and assuming this was my last payment, I get an email XX/XX/XXXX from them stating it 's time to process another payment out of my account in the amount of {$220.00}. I immediately called Big Picture loans but could not get anyone on the line. I conducted some research online and discovered they are predatory lenders. I took a closer look at the Disclosure statement and this is what I discovered : the interest rate of 650.0065 % and a finance charge of {$4200.00} with a total payback cost of {$5000.00}. This is ridiculous. How can they charge me {$5000.00} for an {$800.00} loan? I have paid them the {$1000.00} that I agreed to If this was explained to me during the time of taking the loan, I would have refused to take it. Please help me obtain some resolution to this issue.
Consumer complaint received 2022-08-25
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. (SC)

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response.In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2015-04-18
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: BC SERVICES, INC. (CO)

I noticed on my credit report that there was a strange addition of negative information, so I called the company listed. They identified themselves as BC Services upon my phone call on XX/XX/XXXX. I asked what the debt was that they were reporting and they claimed to have called my number in XX/XX/XXXX. I have no record of contact at that time, nor do I remember speaking to any debt collector. I asked to speak with a supervisor and the supervisor was aggressive. I told him that I would need further verification of the debt so I can make an informed decision as a consumer. I told him I would be sending a letter requesting more information and his reply was that " I do not need to send a letter ... I can verify whatever you need over the phone. '' I proceeded to send the letter anyways so I could get the information I needed in writing. Today, XX/XX/XXXX I received a letter in response which was XXXX pages ( attached ) that tell me have no basis to verify both the debt, nor the information needed to verify BC Services right to collect on this debt. Their letter also indicated " Enclosed are the statements provided by our client that confirm the charges ; '' however, the letter did not include any statements. They only list that the charge is from XXXX XXXX and each of the XXXX pages indicates a different dollar amount. I feel that the creditor is trying to collect on a debt they do not have a legal right to collect on, based on the avoidance of submitting to me proof that they currently hold the debt and they have a legal right to collect on the creditor 's behalf.
Consumer complaint received 2015-08-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: LEXISNEXIS (FL)

I am continuing to have problems in getting a public record removed from my experian file with XXXX XXXX Clerk XXXX. XXXX continues to claim that they are verifying the Judgement through Lexis Nexis even after I received confirmation fro Lexis Nexis on XXXX XXXX that the Judgement was removed.Please find letter attached. I need lexis nexis to contact XXXX and send them an update of the judgement being removed from my lexis nexis risk file.
Consumer complaint received 2022-10-01
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: BANK OF THE WEST (OK)

I am a customer of Bank of the West. My Debit card was recently charged for charges I didnt purchase within this month and last month. I went to XXXX, XXXX for a vacation. The date were XXXX XXXX XX/XX/XXXX of 2022. During my stay I lost my debit card around the XXXX or XXXX of XXXX. I reported the card lost/stolen to my bank through the mobile app and requested a new card. When I got back to the United States on the XXXX of XXXX the new card that arrived in the mail had the exact same 16 digits on the card that I had lost. I dont know if this was a mistake or what happened. I went ahead and kept the card, but changed the PIN number on it. I checked my account to see if any unusual activity was taken place but none at the time of me looking. I had got pending credits from XXXX, that I did not do. I didnt notice the credits were being charged everyday until the XXXX of XXXX. I went to go get gas and my card declined both at the cashier and at the pump. The last time I checked my account I had about {$2400.00}, when I checked it the day the card kept declining I only had {$8.00}. I immediately called the bank and my account was frozen and put under investigation for 7-10 business days. In between the time of the investigation, I talked to the fraud department of my bank several times and one time being a supervisor. Out of the money that was taken, the bank only awarded me {$860.00}. I called the bank back and the supervisor of the fraud department named, XXXX told me that the examiners are the ones who look into the account and thats what they gave me. I asked could I talk to the examiner I was told, no and that they would contact me. I asked, when the supervisor replied maybe next week. I feel the bank is not trying to help me solve my problem and get my money back and at this point, I want someone to please to investigation on whats going on, because my bank I feel doesnt care.
Consumer complaint received 2015-07-13
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (NY)

I request that the CFPB investigate Citi 's failure to properly handle and investigate a fraudulent and unauthorized charge that was made on my Citi account ( ending in XXXX ) for {$3500.00} on XX/XX/XXXX ( see Exhibit A in attachment ). I have been the victim of a fraudulent scam that has caused significant emotional and financial hardship to me and my family. I am being charged for XXXX XXXX License from the XXXX ( XXXX ) that I never agreed to purchase and that was never issued to me in my name. For more information about the fraudulent charge, please see the billing dispute letter and accompanying exhibits A through M attached below. 
XX/XX/XXXX, I called a Citi representative and notified them of the fraudulent charge on my Citi card of the fraudulent charge on my XX/XX/XXXX billing statement. I was told by a Citi representative on the phone that they would investigate the matter and refund the charge. Pending the investigation, Citi credited {$3500.00} back to my account on XX/XX/XXXX ( see Exhibit B in Attachment ). On or around XX/XX/XXXX, I received a letter from Citi notifying me of the pending investigation ( see Exhibit C in attachment ). XX/XX/XXXX, as a result of their investigation, Citi provided me with a copy of a letter from the XXXX explaining that the " license was issued '' despite the fact that I never received or was issued a license under my name ( See Exhibit D in Attachment ). On XX/XX/XXXX, I submitted a second written billing dispute letter in which I again explained that I was charged for XXXX licenses that I never agreed to purchase ( See Exhibit E in Attachment ). On XX/XX/XXXX, I filed a third billing dispute to Citi requesting that Citi investigate the matter and provide me with documentary evidence of the unauthorized transaction pursuant to 12 CR 1026.13 ( f ) ( 2 ) ( please see attached dispute letter and accompanying exhibits A through M ). 
In response to the second and third billing dispute letters, Citi has failed to provide me with a written acknowledgement of my letter ( 12 CFR 1026.13 ( c ) ( 1 ) ) and has failed to provide me an explanation that sets forth the reasons for Citi 's belief that the billing error alleged by the dispute letters is incorrect in whole or in part ( 12 CFR 1026.13 ( f ) ( 1 ) ). They have also failed to provide me with copies of documentary evidence of the unauthorized charge for {$3500.00} ( 12 CFR 1026.13 ( f ) ( 2 ) ).
Consumer complaint received 2015-12-27
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (VA)

I have a consumer Credit Card called Home Depot Card through Citi Bank. On XXXX this year, I made some purchases on-line for home improvement which was 24 months no interest per Citi bank advertisement. However, due to wrong estimates by Home Depot associates and lack of their stock, I had to return all material which yet to be delivered to me. I was told by Citi and Home Depot that the credit would take few days to appear on my credit card. 
There were some partial refund and an amount of {$480.00} was never refund as of today. I had so many communications but Citi is non-responsive. Sometime, even they response, the response has totally out of context and just to harass me. Failing to get a response from Citi, I wrote to Citi President XXXX XXXX and some other senior leaders. As attached, you can see there were no responses. 
Recently, they change my payment due to from XXXX of each month to XXXX of XXXX so that I can miss a payment and they can say, " oh, you have failed to make the monthly minimum payment on time and hence you are not eligible to get the promotional offer, you will be charged 15 % to 24 % interest rate until the amount I paid in full. I am attaching all correspondences ' here with this complaint. 
I have asked them to close my account but they have failed to do so as of today The fact is, Citi bank is in the habit of malpractice and as I can understand, few millions penalty by your office is not enough as they make billions of dollars by fraudulent means victimizing the consumers like me. Today, I have sent them another deadline asking them to close my account for the second time
Consumer complaint received 2015-08-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: BC SERVICES, INC. (CO)

The debt is a XXXX bill which I do n't owe doing the time of this electric bill I was homeless living with friends and motels. I sent certified documentation to XXXX XXXX and the collection agency along with a 30 day dispute letter demanding that this be removed from my credit. 
I have been getting the run around from the collection agency ( BC Services ) with no response from either. the dispute letter was sent to both parties on XXXX XXXX, 2015. On XXXX XXXX 2015 I call BC service and was told they received my documents and the it was now in there dispute department to call back in two weeks. I did so on XXXX XXXX and was told there was no documentation showing where is living before. This is a false statement by them, records of hotel bills where sent at the same time to both parties. This is the XXXX collection agency in less then a year trying to collect and each XXXX I have sent dispute letter with no response. I feel this practice of holding on to debt for a short period time and then selling to another agency is unethical practice and should be investigated and stop.This has cause me to not get a loan from my credit union.
Consumer complaint received 2016-06-15
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (OH)

I received an offer to get XXXX XXXX miles from Citi Bank after opening a Citi Gold account and completing the requirements. I received a letter in XXXX stating that I had completed the requirements and I would receive the points within 90 days. The deadline I was given was XXXX XXXX. I did not receive my points so I chatted with Citi and spoke with XXXX on XXXX XXXX. I was told I would have an answer by XXXX XXXX. On XXXX XXXX I still had no answer so I chatted Citi online again and spoke with XXXX who told me I would get a response by XXXX XXXX. 

I called Citi on XXXX XXXX and spoke with XXXX who said he was opening up a second investigation into the situation. He said we would hear something by Wednesday XXXX XXXX at the latest. 

I called today and spoke with a manager named XXXX who said Citi had " run out of miles '' so we could not get them until at least XXXX. 

I have been told so many different dates and none of them are true. I have waited long enough and I need help figuring this out.
Consumer complaint received 2016-10-04
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Conn's, Inc. (TX)

XXXX XXXX of XXXX and XXXX has sent me a letter with an attached example of the lawsuit he will file if I do n't make payment arrangements on a debt from XXXX/XXXX/2011, which is out of the statute of limitations. I 've responded numerous times to settle the debt and no response but further treat of legal action.
Consumer complaint received 2017-03-10
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL (NY)

I tried to log into my account from the website. The website requires they send a secure code to my cell phone either text or phone call. I am XXXX military XXXX and do not have access to any phone service. I only have internet. I tried their online chat and they could not help me log into my account. I am now locked out of my account for the remainder of my XXXX because I do not have a cell phone.