davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-07
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Comerica (AL)

I have XXXX proplems XXXX with XXXX and the prepaid direct express card. I have been on XXXX. Since XX/XX/XXXX.in XX/XX/XXXX I came up for review thats when my problem s started they denied me court date XX/XX/XXXX I had XXXX ( total XXXX with XXXX ) on the XXXX of XXXX which was out they really believed that it was XXXX but it was n't I called XXXX and was told that it would be rescu it was n't then I went thur XXXX. I appealed then every month or I had to go back and refile at one pointi had legal aide and they told that it was was fixed still no money I wrote all of the polictes in my state I recieved a response n I then told I had to reapply that news surprised cause for over a year finally I got a lwayer went to court in XX/XX/XXXX got approved I was to get a payee which did not do I was told I would get over XXXX lawyer would getover XXXX fine then I
Consumer complaint received 2020-04-19
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX XXXX Re : Billing error/fraudulent charge of {$58.00} on XX/XX/XXXX Macys Acct : XXXX XXXX XXXX Consumer Financial Protection Bureau Dear Sirs : In XX/XX/XXXX, I applied for a mortgage loan & found to my surprise that Macys had reported to the credit bureau ( s ) that I was 3 months late on a {$58.00} charge allegedly made on my Macys/XXXX  XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX, I provisionally paid {$160.00} ( {$58.00} + {$110.00} in late charges ) to stop additional fees from accruing while the billing error was being resolved. 

The MacysXXXX XXXX XXXX  on which the {$58.00} charge was allegedly made was sent to our former Florida address ( XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ) ; it was not forwarded & we never received it. I have had the same Macys card for about 7 years ( Acct # XXXX XXXX XXXX XXXX ) but it has Macys not MacysXXXX XXXX on it. 

In my initial phone complaint on XX/XX/XXXX to XXXX @ Macys, I notified them that I/we did not make such a charge & demanded that we be sent a copy of the original {$58.00} charge slip with my signature ; they stated they didnt have it! I demanded the name & contact address of the Macys supervisor in charge of the Fraud Dept. so I could send a written Notice of Billing Error ; they refused saying they couldnt give that info out! I then demanded an email address for the Macys Fraud Unit so I could document the date I notified them of the billing error ; they responded they couldnt receive emails! XXXX promised to notify Macys Fraud Investigations ( Ph : XXXX XXXX XXXX ) of my complaint & he stated that I would receive written acknowledgement of my complaint ( Still not received after 60+ days! ) & a written summary of the results of their investigation of the fraudulent charge ( Nothing received after 60+ days! ) I have made multiple phone calls in attempting to resolve this matter & restore my credit all to no avail. Here is listing of Macys contacts I have made thus far! 

Date Emp. Name Title Phone XX/XX/XXXX XXXX Cust Serv XXXX XXXX XXXX XX/XX/XXXX XXXX  Macys Credit Cust Serv XXXX XXXX XXXX XX/XX/XXXX XXXX Macys Cust Serv XXXX XXXX XXXX XX/XX/XXXX XXXX Macys Fraud Unit XXXX XXXX XXXX XX/XX/XXXX XXXX Cust Serv XXXX XXXX XXXX XX/XX/XXXX XXXX  Citibank Consumer servs XXXX XXXX XXXX ( does Macys billing ) I request that CFPB : 1 ) Help me to obtain a copy of the original XX/XX/XXXX charge receipt for {$58.00} & a detailed accounting of each late charge added to my acct ; 2 ) Help me to obtain a written record of the investigation results in this matter by the Macys Fraud Dept. 
3 ) Assist me in insuring that Macys removes the spurious {$58.00} charge from my acct, notifies the credit bureaus of the error immediately, & issues a refund of the {$160.00} I paid provisionally. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2016-02-10
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: KEYCORP (NY)

I had an checking account with Key Bank and i received {$200.00} signup bonus. The account is now closed. I still have n't received XXXX from Key bank. I called Key bank, the agent told me that they do n't have any tax document for me. If i do n't that XXXX, i might be in trouble when i file income tax.
Consumer complaint received 2022-10-02
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. (TX)

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. 

Account name : XXXX  XXXX XXXX # XXXX XXXX5 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 2015-10-24
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TCF NATIONAL BANK (IL)

I was in California for a summer program, and I got my account closed because I did not reply a letter with some security questions. 
But I check with the bank and this letter was returned to the bank, once I was not in XXXX, so I never had an opportunity to reply it. 
I called the bank and I ask to receive this letter and reopen my account on my new address in California, but the letter did not arrived. 
The only way I could get my money back, was to returning to XXXX. But I was studying in California so I could not come back. 
I am a XXXX student from XXXX, XXXX is in a huge crises and my family could not send me more money at that time. 
I got a lot of problems due this closed account, so I had to borrow money to stay there and finish my XXXX XXXX. 
Also I had to cancel a planned trip with my friends, it was very inconvenient and abusive.
Consumer complaint received 2017-01-13
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Patenaude & Felix A Professional Corporation (NV)

A settlement was made with this collection agency and a payment plan was agreed upon, payments were made according to schedule based on letters and phone calls made by the agency. Letters and calls stop arriving and the agency takes out a legal order to collect on an inflated balance. When contacting the bank, the bank states that the deal must be worked out with P & F, who then bully and lie stating they made calls and sent letters, none of which were registered mail.
Consumer complaint received 2016-09-21
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: AMCOL Systems, Inc. (MI)

I owe a hospital bill of some sort from the past and the company keeps threatening me that it will go on my credit report if I do n't pay them their money on time or if I do n't use auto debit from my account they keep daring me to miss XXXX payment. They call days before I even have the money to try to get it early from me. Although I 'm going through hardships at this time. They still call and call and harass me. Sometimes I feel like they are going to kick my door in. I also lose sleep due to the harassment and i stress a lot because of them.
Consumer complaint received 2016-06-17
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Patenaude & Felix A Professional Corporation (CA)

I am filing a complaint against a debt collector PATENAUDE & FELIX, A.P.C. 
This company is harassing me for a debt that has an expired statute of limitation. 
They have sent me a summons to appear in court. 
Attorney At Law : XXXX XXXX XXXX : XXXX Ex XXXX
Consumer complaint received 2016-12-08
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Financial Data Systems (NC)

Financial Data Systems has inaccurate information reporting to the credit bureau 's regarding a medical bill that is not mine. I have disputed these accounts twice and they are not giving me the info I have requested. The letter below is what I have sent them and the 3rd party company has not responded to my requests. 
The account number for this 3rd party creditor is XXXX amount {$14.00} The letter below is what was sent to thm regarding this account XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Dear Finanacial Data Systems, After viewing a copy of my credit report, I noticed a collection account placed on my credit from Financial Data Systems in the amount of {$14.00} Account # XXXX. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 

Sincerely, XXXX XXXX
Consumer complaint received 2016-06-05
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: STERLING JEWELERS, INC. (KY)

Sterling Jewelers / XXXX XXXX provide a Credit Card option. Once you receive you card you are able to sign up for paperless billing statements delivered to your email. This service is provided by all of my credit card companies which I opt in to allow me to manage my payments and credit line accounts as I am certain that many folks do. Sterling Jewlers however continues to fail to send the e-statements yet are able to send multiple ( up to 5 per week ) sales promotional emails. It would be interesting to see if this is a common practice by the company to bilk consumers of money by assessing late fees or if they actually believe they are sending the e-statements yet have a system flaw which could have an adverse experience to someones credit file.
Consumer complaint received 2015-03-31
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: EAST WEST BANK (TX)

I had XXXX checkings and XXXX saving account with XXXX Bank before and now they merged into East West Bank. XXXX of my accounts has been charged service fee every month after they merged into East West Bank without any notice. I called the bank but they refused to credit me back the service fee and they were saying that I supposed to maintain {$2500.00} on each account. I told them that I did not receive any communication about these charges and I have been with the bank since XX/XX/1994 and never have this issue before. I ended up have to closed out all my accounts and only get two months refund back which is a very unpleasant experience.
Consumer complaint received 2016-05-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Counsel, Inc. (FL)

XXXX of XXXX and XXXX billed me for a repair that is covered under first year warranty and refused to repair damage to my ceiling caused by this malfunction. I have done my best to work with XXXX to no avail. The owner of the company, who was more than happy to spend time with me during the purchase, now refuses to speak to me in person, on the phone, or by email. Without any notice, they turned it over to a debit collector called Credit Counsel, Inc I have sent Credit Counsel , Inc. certified mail within 30 days of there notice to me stating that I am disputing this invoice and to not contact me again. Credit Counsel, Inc. have called me twice since signing for the the certified mail and have be dishonest about receiving my certified mail.
Consumer complaint received 2015-07-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (FL)

XXXX put me in collections after they agreed to cancel my contract because of bad service in the XXXX Fl area and it is now appearing on my credit report XXXX years after the issue was resolved.
Consumer complaint received 2016-11-07
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: SLM CORPORATION (CO)

Sallie Mae, now XXXX, has irreparably damaged my credit and finances. After graduating from college and not being able to find a job for close to a year, they refused to work with me to refinance my loans, despite my various attempts to work out a payment plan with them. Once employed, I resumed my payments, but they were too high as I am only XXXX and an entry level employee. Again I contacted them only to be given the runaround, and when I finally spoke to someone of stature, they told me that the only way to refinance my loans was to default on them, which I did. Once I defaulted, I made another call to Sallie Mae and was able to get my payments down to {$560.00}. Fine. But upon recent inspection on my part, I found out that they 've been taking more than the agreed upon amount totaling to {$640.00}. I 'm now unemployed again, due to health reasons, and am virtually stuck. I have no other money in the bank and am pursuing options in which to sue for at the very least, breach of contract. Additionally, when I first restructured my loans, they proceeded to ding my credit score so that it 's decimated beyond repair because the payments that I was making were " late. '' There 's no way they could have been late because they were scheduled to be taken out of my account on the XXXX of each month as previously agreed upon. If their system is messed up, then why am I being punished for it? They 've also harassed my relatives, none of whose information I gave out when applying my loans, so they must have been mining data to figure out who to call. Every time that I 've tried to call them and straighten this out, I get the runaround and them telling me that my only option is to defer my payments, but to do so I have to pay an additional {$150.00}. What?!? The people they 've hired to run their " business '' are completely unprofessional, incompetent, and inept ; this organization should be run out of business for the plain thievery that they are allowed to inflict on American citizens.
Consumer complaint received 2016-03-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (GA)

I really need help because I have been disputing a few accounts on my file for a few months and I am getting no where with the bureaus. I asked for their assistance and I did not receive it. I asked for them to put a temporary fraud alert on my file and they did n't. I asked for the documents that were used to " verify '' these accounts and they did not provide them. this is my last resort and I have already consulted an attorney in regards to bringing a lawsuit against them. why are they making this so difficult to remove these inaccuracies when that is their job to make sure this stuff is actually accurate? They did not investigate these accounts and if they did, they would have the documentation to validate these accounts.
Consumer complaint received 2016-05-03
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (CA)

EXPERIAN DOES NOT SEEM TO PARTICIPATE WITH XXXX I HAVE ATTEMPTED TO REQUEST MY CREDIT REPORT FROM ALL XXXX BURAUS. EXPERIAN IS THE ONLY ONE THAT GAVE ME " UNABLE TO GRANT YOUR REQUEST '' MESSAGE. SAME THING HAPPENED WITH MY FRIENDS. 
WE WERE NEVER ABLE TO PULL OUR EXPERIAN REPORT FROM XXXX ALSO, THEY HAVE BLOCKED THEIR PHONE LINES WITH NO AVAIL TO REACH A LIVE PERSON THIS HAS BEEN GOING ONE FOR 38 DAYS NOW AND HAVE BLOCKED ON LINE ACCESS TO MY OWN FILE THROUGH XXXX OR XXXX THIS HAPPENED BEFORE AND SEEMS TO BE THE STALL TACTICS USED BY EXPERIAN. UNFAIR TO ALL CONSUMERS AND NOT A RIGHT WAY TO CONDUCT BUSINESS ON THE NATIONAL LEVEL!!!
Consumer complaint received 2017-02-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (AZ)

I have a {$140.00} unpaid charge for a gym membership I paid for. I never missed a payment. I want continuously charged after I gave written notice of quiting the gym. I successfull had to dispute the charges though by bank XXXX, but a single charge remains for the month of either XX/XX/XXXX or XX/XX/XXXX that has been paid.
Consumer complaint received 2016-08-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (IL)

Experian continues to report inaccurate information on my credit report even after several attempts to correct them. They refuse to fix it. I 've been disputing the accounts of the U.S. Department of Education for over a year. Experian is the only company that has n't deleted these accounts in full. These accounts are from XX/XX/XXXX and XX/XX/XXXX which are older than seven years. Experian will delete one account then leave the other and when I dispute that one they will delete that one and put the other one back on. These accounts were consolidated and being reported by XXXX so its also reporting twice on my credit report.
Consumer complaint received 2015-08-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (ME)

I have sent many letters to Experian over the last 4 months asking them to delete the information i requested from my credit reports UNLESS they could verify they were mine. They have sent me back my credit report stating they verified the information yet sent me back no paperwork. According to the FCRA if they cant really verify the information they have to remove the information.
Consumer complaint received 2016-06-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (TX)

In XX/XX/XXXX I had ID theft. Someone filed my taxes and received the funds. I have since found addresses, accounts and received mail that is not mine but, is in my social and date of breath. Information on car from XX/XX/XXXX till XX/XX/XXXX. I am sent a security pin to use for filing taxes now. It was verified by IRS.
Consumer complaint received 2016-10-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (MA)

XX/XX/XXXX ; I Disputed XXXX Bk entries in my XXXX bureau credit report ; transunion deleted them after investigation. Experian claimed they were verified by the Bk court. I called the Bk court ( with the info Experian provided as there source of verification ), and also showed up in person. I spoke to the clerk and I asked about there process of verifying ; or even validating anything to credit bureaus. The clerk told me via phone and in person that : the Bk court does not under any circumstances report, validate, or verify and information to credit bureaus. I have sent 3 to 4 letters to Experian giving them the opportunity to correct this error, to add insult to injury Experian has also violated the FCRA by not marking these items disputed on my credit report, or bearing any proof that these belong Bk entries belong to me. I need your assistance.