davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-29
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: Experian Information Solutions Inc. (NV)

This are all fraud inquiries I have not given any of these creditors permission to pull or access my credit under FCRA by these being fraud and the creditors reporting them they need to be removed immediately : I am reaching out for assistance for removing of inquiries that were not authorized by me. I did not apply for credit nor give anyone permission to apply for credit using my personal information for XXXX, Experian and XXXX XXXX. I am requesting each of the credit reporting agencies remove the below inquires immediately from my credit reporting due to FCRA if information is inaccurately reporting it needs to be removed. I am not reaching out to each creditor because they are not reporting the information XXXX, Experian and XXXX XXXX is reporting the information and need to correct the information. 

Experian : XXXX XXXX XXXXXXXX XXXXXXXX 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
Consumer complaint received 2020-05-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: CIT BANK, NATIONAL ASSOCIATION (CO)

In XXXX of 2019 a company called XXXX XXXX arranged financing for an equipment purchase through CIT. CIT claims to have provided XXXX XXXX with a sum of money, I am not sure what amount and neither CIT or XXXX XXXX will provide me with any kind of ledger. The agreement with CIT was/is a 38 month agreement with two payments of {$49.00} and 36 payments of {$630.00} dollars. These payments were made in good faith for nine months. During which time I have received no equipment or services from XXXX XXXX. I did not realize on entering the agreement that CIT would be sending a lump sum payment to XXXX XXXX as this is not stated in any part of the the agreement. I have been in contact with both the lender CIT and the company they supposedly sent money to on my behalf. Neither will provide an accounting and I have yet to receive any equipment or service from XXXX XXXX. The fact that the loan amount was not disclosed in the agreement as well as the fact that CIT never disclosed that the funds would be released in a lump sum and that I can find no where that I authorized the funds be sent directly to a third party seem to me to be a very deceptive lending practice.
Consumer complaint received 2022-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (FL)

I set up an autopayment on my AMEX account this morning for {$1600.00} each month. The payment is due XXXX XXXX. Today is XX/XX/XXXX and I've already made a payment on XX/XX/XXXX ( {$2700.00} ) which is still processing. Typically, one can not start an autopay for the current month this close to the due date. Knowing this, I assumed the autopay would start in XXXX which is what I want. The next screen stated that my autopayment would be processed today! I can't afford to make two payments in one month. So, I looked for the edit payment or delete payment button. There is no option to edit one 's payment or even to delete the payment. All I could think is that I don't have the money to pay my other bills and make two payments to AMEX! Plus, I still need to buy food for XXXX. I called AMEX. I was told that the payment can not be canceled. I would need to wait until it has posted and then request a credit to my bank account. I don't have that kind of money to do this. I called a second time, thinking I'll just delete my first payment since that hasn't posted yet. I was told that the first payment can't be stopped either! I would have to wait for the money to be taken from my bank account and then call AMEX to request an electronic refund which allegedly would take two days which means it won't hit my account until after XXXX. Maybe that wouldn't be a problem except that I still need to buy food for XXXX -- which isn't cheap. 

I am very angry that I was not given the ability to edit my payment or delete my payment by American Express. No other credit card/bank does business this way. I would not have this problem otherwise.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Equifax credit agency has removed accounts on my credit report related to fraud and I have sent them proof on several occasions to correct and they still refuse to help me. It has been 8 months and they still will not this information from my credit report.
Consumer complaint received 2021-06-21
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 AMERICA, NATIONAL ASSOCIATION (CT)

On the evening of XX/XX/2021, I reviewed my Bank of America XXXX XXXX Credit Card and noticed three fraudulent transactions on my card that I did not understand. All three transactions were titled ACH PAYMENT REFUND and dated XX/XX/2021 for {$1700.00}, {$2000.00} and {$1300.00}. In the details, the {$1700.00} was a full refund for my {$1700.00} credit card payment on 4/12/2021.the {$2000.00} was a partial refund for my {$2100.00} credit card payment on XXXX..finally, the {$1300.00} was a partial refund for my {$1400.00} credit card payment on XX/XX/2021. 

I make ACH Payments ( transfers ) from my Bank of America Interest Checking Account directly to my Bank of America XXXX XXXX Credit Card. 

All three refunds were NOT requested by me and the refunds did not show up in any of my Bank of America accounts. However, my XXXX card now shows that I owe an additional {$5000.00} of fraudulent transactions. My suspicion is that the money went into someone elses account fraudulently. 

On XX/XX/2021, I called BOA credit card customer service and after considerable confusion, I was referred to the Credit Card Fraud Investigation Department. The CSR created three requests to review the above ACH PAYMENT REFUND transactions. I was told that they needed 5-7 days to do the review and get back to me. I was also told that someone must have gotten into my accounts and requested partial refunds. The part that makes no sense is that with all the security, alerts and 2 phase authentication, somehow BOA authorized three refunds to be sent somewhere fraudulently. When I called back after 7 business days and again on XX/XX/2021, I talked to 10-15 different people with transfer upon transfer. I was told that it would take 2 credit card cycles to resolve, then I was told 45 days on average and also 30 days. It was apparent that no one had any idea how this would be resolved. To make matters worse, I asked for a problem number or incident number that are typically associated with a problem management system. Unfortunately, I was told that NONE exists. 

One CSR told me that an internal alert was created on XX/XX/2021, a day before the three transactions were posted. I DID NOT receive any alert nor did this alert stop the transactions. To make the situation worse, my son found an exact duplicate fraud issue on XXXX with the same fraud. Please see. 

https : XXXX? XXXX & XXXX & XXXX Finally, I had lunch with a friend a week ago and he told me that he has the same ACH PAYMENT REFUND ISSUE. 

So here I am waiting on Bank of America to resolve the situation. I dont have a great deal of confidence after spending 6 hours on the phone with many BOA representatives.
Consumer complaint received 2022-11-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Adjustment Service, Inc. (NC)

I, XXXX XXXX has been fighting this frivolous supposedly debt for XXXX over 3 years now. First, I was going back and forth with Diversified ConsultantsXXXX but they could not verify the erroneous information that was being reported to my credit reports, so XXXX, XXXX and XXXX XXXX removed the debt from all three reports. Diversified Consultants were harassing me sending computer printed statements, but nothing ever indicating that I was legally responsible for the debt. Next, a few months later, Diversified Adjustments Service INC inserted the debt back on my reports illegally, with no notice or anything indicating on physically verifying validation of the debt. I called and called both collection firms and I was getting conflicting stories about the erroneous debt, which does not belong to me legally. So I reached back out, contacted the credit agencies first class mail, along with Diversified Adjustments. I sent first class with a return receipt which showed that " XXXX XXXX '' with Diversified signed for the letter on XX/XX/2021 ( evidence at hand ). I still didn't receive any legal documents or relevant information expressing debt is mine, there is NO LAWFUL STANDING 15 U.S Code 1692i ( b ). So XXXX and XXXX XXXX went on to delete this debt again, but XXXX has not and still showing negatively on my credit reports, although there still has not been any proof presented. Granted, this issue has been a nightmare and I am turning to CFPB to help me with this dilemma.
Consumer complaint received 2021-06-29
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)

Inquiries reported on my report that are not mine. XXXX XXXX XXXXXXXX, XXXX XXXX US SM BUS ADMIN ODA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-29
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: EQUIFAX, INC. (NV)

Not mine : FCRA violations see attachments : XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3100.00} Status Open. {$530.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$7200.00} Status Closed. {$1100.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$14000.00} Status Account charged off. {$12000.00} written off. {$14000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$11000.00} Status Account charged off. {$11000.00} written off. {$11000.00} past due as of XX/XX/XXXX. 



XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$3600.00} Status Account charged off. {$3600.00} written off. {$3600.00} past due as of XX/XX/XXXX.
Consumer complaint received 2024-05-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

Once again, it's tax season time and the crooked banks attempt to make an extra interest buck off your return by lying. My ( paraphrased ) convo with USAA today, XX/XX/2024, after they wanted to hold most of my check for a week : Me : Why are you holding this much of my check for a week? I know you all ( banks ) can communicate with each other instantly. 
XXXX : It doesn't work that way ma'am... 
Me : Yes it does, I give and receive money all the time in this and other fashions and it goes through immediately as long as it's under your arbitrary amount. 
XXXX : Well we are legally required to hold any amount over XXXX amount ( note that they did not release XXXX amount to me, they released less ). 
Me : What law is that? 
CSR : Uhh ... well ... uhhh... 
Me : Look, you told me there is a legal reason you can not release my funds to me for an entire week and that means there is a binding law somewhere and I want to know what it is. 
XXXX : Well, actually there isn't actually a law I apologize for my miswording... 
Me : Okay so back to the initial question... why are you holding the vast majority of my check ( from a person that I get a check from every month from the same bank and there has never been a single problem on our end for a literal decade ) over an arbitrary amount that you didn't even release up to for me? 
XXXX : ( XXXX off now ) I'll do that right now ma'am you have a good day *click* My funds were completely available five minutes later.
Consumer complaint received 2020-05-24
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. (FL)

Problem with Experian for allowing incorrect information to show on my credit report. According to FCRA section 609,  when the consumer disputes an item and request for the original contract with my signature to be produced to me to prove the ownership of this fraudulent accounts. They have 30 days to produce and they do not produce contract with signatures, but allow these accounts to stay on my report. I have written and disputed this produce and no correction has happened. 
1 ) XXXX XXXX original creditor XXXX XXXX  2 )  XXXX XXXX  original creditor XXXX XXXX 3 )  XXXX XXXX original creditor XXXX  XXXX I have not done any business with these companies. 
Thus I am requesting an original contract with my signature and date. If they can provide it these three accounts must be deleted.
Consumer complaint received 2024-05-11
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

A XXXX  % promotional XXXX on balance transfers was received from XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Citizens Bank. 

The promotional period is through XX/XX/XXXX. There is a note in bold print The balance transfer fee will accrue interest at the XXXX XXXX when you are no longer in your introductory period. ( XX/XX/XXXX ). On the statement covering XX/XX/XXXX - XX/XX/XXXX a {$3.00} interest charge was imposed. I called the bank and they reversed the interest charge. 

On XX/XX/XXXX a statement was received for period of XX/XX/XXXX - XX/XX/XXXX with another interest charge was imposed for {$2.00}. I talked with XXXX Customer Service Agents and XXXX Supervisor, XXXX in the XXXX  XXXX. 

XXXX told me that the charge is correct and it was spelled out in the solicitation. Her statement is inconsistent with the above quote from the letter. The XXXX  agent affirmed her statement.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (AL)

On XX/XX/2024 I disputed the charge off in the amount of {$690.00} with XXXX and CBNA Per IRS Publication 4681, Charge-Off 's are income and income is not permitted to be reported on ANY Credit report. On XX/XX/2024 my dispute was completed but the charge off for {$690.00} was not removed from my report. This account is a " Charge-Off '' and is in violation of the FCRA & the FDCPA it needs to be removed from ALL of my Credit Reports/Files immediately . In addition, I have provided XXXX with IRS Publication 4681 and 26 Section CFR 1.6050P.1 and 6050P.2, which clearly establish that a Form 1099-C must be filed and provided to the consumer. Pursuant to 15 U.S. Code 1681n - Civil liability for willful noncompliance I am Requesting { {$1000.00} }.
Consumer complaint received 2021-06-29
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: I.C. System, Inc. (TX)

I was called by a debt collector trying to obtain a debt and a lady threatened me saying if I didnt pay then the debt I owe would report to the credit bureaus when I notified them that it was an inconvenient time to call me, that it was my place of work and to stop calling this number. The number I told them to stop calling was the Principal at the place I work. Theyve also called the Front Receptionist, Registrar Office, Attendance Office, and Principal Secretary. They kept calling my place of work and now my co-workers know a debt collector is trying to reach me.
Consumer complaint received 2015-10-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of the Hudson Valley, Inc. (OH)

The company ( Collection Bureau of the Hudson Valley ) accepted funds to legally settle a debt ( XXXX XXXX ) but never provided information that the debt was settled. They never refunded me or the debt management company ( XXXX XXXX XXXX ) I was enrolled and working with. I would like for them to refund my money. My account was paid off by me in full. If they had actually completed the settlement when they received the funds my credit report could have been updated correctly for a long time prior to me paying the debt off in full. XXXX responded to me about the arrangements are as follows : XXXX XXXX - XXXX. And the rep confirmed the same Account Number to me as well. 

The settlement we had worked out with Collection Bureau of the Hudson Valley was for {$120.00} on the balance of {$240.00}. We paid off the amount in the manner as follows - {$62.00} on XXXX/XXXX/2013 -- Check By Phone payment. 
{$62.00} on XXXX/XXXX/2013 -- Check By Phone payment.
Consumer complaint received 2020-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: GOLDMAN SACHS BANK USA (DC)

The Company provided a Fraudulent statement lied to you a federal Agency. FBI, Metro PD and FTC already ruled that they in breach of Federal Law and committing Federal Banking Fraud. 

This what they wrote to you : " CFPB Response XXXX # XXXX ( Recd XX/XX/2020 ) Goldman Sachs Bank USA received the above-referenced complaint related to the Apple Card via the Consumer Financial Protection Bureau ( CFPB ) Complaint Portal on XX/XX/2020. We appreciate the opportunity to address the issues raised by Mr. XXXX XXXX and the CFPB. Mr. XXXX complaint references the treatment of Daily Cash for returns. The Apple Card Customer Agreement details the handling of a return on an Account, including that the Bank will charge an Account an amount up to the amount of any Daily Cash accrued for the transaction ( s ) related to the return ( a Daily Cash Adjustment ). Mr. XXXX made a purchase and earned Daily Cash.  When the Customer returned the merchandise, the Bank charged a Daily Cash Adjustment, as the Daily Cash he previously earned was already transferred to his Apple Cash account on XX/XX/2020. Based on the above details, we kindly request this complaint be closed. '' This the reality. The Merchandise was never returned. The computer is in my possession. XXXX XXXX   AFTER SPEAKING WITH GOLDMAN SACHS ON THE PHONE IN PRESENCE OF WITNESSES who submitted sworn affidavit to the FBI Also. XXXX advisor asked me to return it and repurchase it to gain additional discount when I went to purchase XXXX XXXX. I told them what about my cash they got Goldman Sachs on the phone and GOLDMAN SACHS representative in the  presence of the witnesses that I get to keep my cash back if I di what I am told by XXXX. Please see attached the proof that the merchandise was repurchased with the receipt and that it is registered to me with the XXXX XXXX Document. 

I have published this fraud to MEDIA OUTLET SO that other consumers do not get frauded by GOLDMAN SACHS LIKE I AM VEING FRAUDED AND ABUSED Additionally, their supervisor had agreed to put this under investigation and someone was supposed to call me and it never happened THE RECEIPT AND XXXX XXXX   EVIDENCE BELOW SHOWS YOU THAT I ABIDE BY THEIR TERMS AND CONDITIONS!!!!!!!
Consumer complaint received 2024-05-08
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: WELLS FARGO & COMPANY (CA)

I called Wells Fargo customer service to request they NOT automatically renew a XXXX XXXX CD at 5 % rate. They said ok. Then I noticed the CD was renewed- to a 2 % interest rate CD. I went into the XXXX Wells Fargo bank on XXXX XXXX and was told I did not say " CLOSE the CD '' so my request was not honored. They had NO explanation for why the bank renewed me to a very low interest rate CD maturity date XX/XX/24. 
Obviously it is in Wells Fargo 's interest to give me a 2 % yield vs 4-5 % available in many CDs. Moreover, they require a phone call to stop auto renewals- with exactly the correct language during a XXXX day grace period. 
I find this an egregious betrayal of fiduciary & ethical standards. My call to stop auto renewal was handled in a misleading way, the CD renewed to an exceptional low interest rate. This tricky burden on the consumer that produces a benefit to the bank is soft fraud.
Consumer complaint received 2023-05-29
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. (TN)

I am submitting this CFPB complaint in response to the recent investigation. I do not agree with the findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking the Credit Bureaus for more information regarding these particular items in question : XXXX XXXX XXXX Balance Owed : {$320000.00} XXXX XXXX Balance Owed : {$9.00}. The dates of missed payments reported by these accounts are flagrantly incorrect. I have submitted concrete evidence that clearly demonstrates the inaccuracies in the reported dates. In accordance with the Fair Credit reporting Act, I demand the Credit Bureaus to fix the error on the payment history and update the account for lawful accuracy. As previously stated under provisions of the Fair Credit Reporting Act 15 U.S.C. Section 1681i, please reinvestigate and update or these disputed accounts