davidheineman/consumer-finance-complaints-large huggingface dataset:
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I received your response, that you close my complaint that I sent, to Investigate the Erroneous Account : XXXX XXXX Balance : {$0.00}, that is UNKNOWN to me. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days and yet the problem is still reporting in my credit file and you closed my complaint to protect my privacy. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I am submitting this complaint again, myself and attached a copy of my Drivers license, Social security card, and Utility bill to inform you that I am the one asking your help to investigate the inaccurate information listed in my credit file since the credit reporting agencies are not doing their obligations in my credit file.
Consumer complaint received 2016-11-04
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XXXX, 60 days XXXX, 90 days XXXX, 120 days XXXX, XXXX, 30 days XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2016-07-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (OR)

Hello, During mid XXXX of this year, 2016, I contacted Citibank about opening a checking account. While on the phone with a customer service representative I inquired about potential bonus offers that were available at that time. He went on to inform me that if i signed up for a Citigold checking account I would receive XXXX XXXX XXXX miles as long I completed a XXXX dollar purchase and at least XXXX bill payments via their website in two consecutive months. 
After completing the requirements I contacted citibank to ask if there system showed I had completed the requirements. I was informed that I was not eligible for the bonus, even though I was told about it by their customer service and received instructions in my welcome packet about how to obtain the miles. I was mislead by this company and they have refused my eligibility for the offer even though I was recruited to open a citigold account with the XXXX XXXX offer.
Consumer complaint received 2022-02-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (MI)

I don't owe anything to ERC ( Original Creditor : XXXX XXXX ) with account number XXXX They should have confirmed this from the Original Creditor since I have made my payment to them. Investigate this account thoroughly and make the necessary correction or just remove the account automatically.
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. (GA)

In accordance with the Fair Credit act XXXX XXXX XXXX, XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a 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.
Consumer complaint received 2016-12-13
Product: Credit card — 
Issue: Other fee — 
Company: Bread Financial Holdings, Inc. (MA)

I opened a credit card with XXXX XXXX in XXXX, MA to buy a couch. There was an initial 6 mos period of no interest which we made periodic over payments of the balance due. I never received an invoice or any notification in XXXX for and apparently my 6 mos period had expired. I was notified by XXXX that my account was past due which I immediately paid off in full ( approx {$5200.00} ) on XXXX/XXXX/16. I 've now been told that since I did n't pay off the balance before the 6 mos period, that I know owe approximately {$780.00} in finance charges for for the next 12 months even though my account has been paid off in full. I strongly believe that it is categorically unfair to charge interest for 12 months in the future when no money is being borrowed. I also believe that XXXX XXXX is using deceptive and unfair business tactics to sell their products to consumers even when their consumers have been trying to do the right thing throughout the process. It is a quintessential " gotchya '' strategy to milk further fee 's out of their customers.
Consumer complaint received 2022-02-26
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. (FL)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2019-12-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Comerica (MA)

Hello my name is XXXX XXXX I get XXXX and money is disappearing out of my account I get a certain amount and before I could even get to the atm money was missing so I left a certain amount that dissapeared last 4 5 months someone is taking money I dint know what to do but I'm positive I'm being stolen from can you help XXXX I just want my money back
Consumer complaint received 2018-05-27
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. (GA)

ok I tried to submit one complaint for seven unrecognised hard inquiries and Conclusion of investigation is I should handle this on my own. ( Im just a blue coller individual who has begun to feel run over and constantly lied to by a large and harmfull company maskurading as some sort of judge, jury, and sadistic nemisuse. ) For instance once I finally contacted an actual human at XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX I was told they have no account or account request for me when he ran my S.S. number which I fear will result in another inquiry due to equifaxes incorrect info. It took hours of explaining that I did not have an account number and please stop hanging up on me as I will begin criminal procedings to stop this problem. The agent finally agreed to research problem by S.S. number and told me they have nothing to do with this inquiry to call equifax back. I begged this XXXX representative for a confermation number that I had contacted them and no inquies should be on my report. He refused and said it comes off your report in one month anyway and again hung up. His reply which is not true nor do I apprietiate that it ever existed on my report infuriats me. 
I called in a dispute to equifax and told they were accurate yet again and I would have to solve this with company making the inquiry even though The company explained they did not do this. 
Im also part of equifaxes breach that I find suspiciouse and wonder if equifax may have hacked themseves because they released there version of life lock which they were demanding that consumers needed to purchace or suffer the conciquinses right about same time of breach. 

This is unfair and has caused me great hardship and lose of contact with family as I cant live in nieghborhood any more that I grew up in now that my credit rating has fallen below established standards. I now live in the hood not an affluent upscale XXXX. My unfair credit rating. prohibits me from buying a car at normal rates. My qualified nieghborhood has limited public transportation, no grociery stores, pharmacies, etc. It is virtually a desert of services due to the crime. My reduction of health due to illness, being beaten and mugged, forced to live as a recluse is dirrectly caused by equifaxes rating of me. I feel that someone who is knowledgable and proffesionally accociated in fair reporting should help me pro bono as a act of human compasion and deciency as Im severerly in danger of loosing my life, sanity, and dignity as a part of what I have always believed was a enlightened and positive force in defending those who couldnt defend themselves. 

Equifax doesnt even report my vital statistcs correctly. They also have admited to having multiple files for me which wasnt there proper method of crusifing innocent consumers, and they have stated that they dont know how it happened.
Consumer complaint received 2015-08-26
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CITIBANK, N.A. (MI)

In XXXX 2015 I received a bill from Macys for a balance of {$50.00}. along with a {$2.00}. low balance fee. The closing date for billing was XXXX XXXX - then they processed the bill and mailed it to me. I got the bill on XXXX XXXX and wrote a check and mailed it to them on XXXX XXXX. They said it posted on XXXX XXXX - well in advance of the XXXX XXXX closing date. I received another bill for {$2.00}. in XXXX for a low balance fee. I called and they said that even though I paid in full, ( balance + fee } in advance of the closing date - they are legally empowered to charge the additional {$2.00}. fee. I asked if they planned to charge an additional {$2.00}. fee on the {$2.00}. they had sent the XXXX billing for and they said yes, because the {$2.00}. fee represented a " balance '' and a low balance and because it was sent upon the closing date - and there are days in-between when it closes and they mail it and they receive payment - they can legally do this. I countered that that was kind of nuts - that the {$2.00}. fee could result in perpetuity, a never ending {$2.00} fee ... They said that I should have paid the entire balance in full and this would n't be happening or an ongoing issue. Needless to say, I closed the account - after insisting they waive the fee. I just wanted to file this complaint in order to let you know that they are doing this - and am questioning the legality of it. If truly seems to be taking advantage of customers and the spirit of their recouping fees for low balances, by creating a situation that in essence, continues to create new low balances - by adding this fee.
Consumer complaint received 2022-02-26
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: CITIBANK, N.A. (IL)

XX/XX/XXXX XXXX XXXX phone me of an Unauthorized credit inquiry made on XX/XX/XXXX by Citibank. XXXX XXXX contact XXXX telephoned Citibank on XX/XX/XXXX with me on the same phone line at XXXX and spoke with XXXX a Citibank representative, who promised to removed the fraudulent credit inquiries from my credit report and to send me a letter of apology to my mailing address. ( I assured Citibank that I never submitted any applications in person nor online and never authorized credit inquiries on my personal credit report and I'm SINGLE NOT XXXX ) As of XX/XX/XXXX The promised letter of apology was not at my mailing address and I gather, Citibank did not remove the credit inquiries from my credit report. SO, again I phoned Citibank at XXXX and spoke with XXXX, a Citibank representative, who read out loud, the notes of XXXX and stated that something held up the first letter. She never stated WHAT held up the letter. XXXX state she would resume the process and mail the letter of apology and ensured me that Citibank would remove the unauthorized credit inquiries from my credit report. 
As of XX/XX/XXXX and XX/XX/XXXX I have NOT RECEIVED the promised. Citibank letter of apology and I'm sure the unauthorized Citibank credit inquiries have not yet, been removed from all of my credit reports. The four ( 4 ) credit reporting agencies. 

The letter was to be mailed to XXXX XXXX XXXX, XXXXXX/XX/XXXXXXXX, XXXX, Illinois XXXX. 

I have filed an FBI identity theft report, an IC3.Gov and filed a complaint to report fraud.ftc.gov and was told to also, file this report to Consumer Finance.gov.
Consumer complaint received 2016-08-03
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: GULF COAST COLLECTION BUREAU, INC. (FL)

Have received a notification from credit report that the collection entry has been entered. I have contacted the collection company in question several times both in writing and by phone within the past 3 months, however had not received a valid response of verification of debt.
Consumer complaint received 2022-11-22
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)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168 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 2018-05-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TX)

XXXX XXXX XXXX is saying I owe XXXX XXXX {$1600.00} when I never in my life have had a XXXX account. I have been under my moms account since 2001 under her att account and still have the same number till this day.
Consumer complaint received 2022-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: PNC Bank N.A. (OH)

XXXX XXXX, 2022 I contacted PNC customer service and requested that my payment due date on my credit card be change from the XXXX of the month to the XXXX of the month and was told that it would take XXXX statement periods for this to go in to effect.I receive my statement and learn that minimum payment would increase from XXXX a month to XXXX a month because of interest charge. I paid XXXX a month interest when my due date was on the XXXX of the month, now that my due date has been change to the XXXX of the month my interest has increase to XXXX. I requested that my due date be change back to the XXXX of the month. I was told that I would have to wait a year to change my due date again. I do not know if I can make the payment increase and will have to close the card.
Consumer complaint received 2022-11-22
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: ADP Inc. (LA)

XX/XX/XXXX ( payday ) went to use card at store and was declined. Went to ATM couldn't get money out. Called mywisely they stated they made my card inactive until I send in documents to validate, I own the account. Been using this prepaid card given to me by my employer XXXX since XXXX and out the blue they need to verify I'm the owner. Documents from the list I chose and uploaded were : stated id, social security, utility bill, payslip from employer all showing my first and last name that's the same as the name on my wisely account. Sent these on XX/XX/XXXX and was told to give 3 business days called back on Tuesday XX/XX/XXXX and was told those documents don't suffice and my birth certificate and marriage license are the only documents that can prove that I'm the owner of the account. Do not have access to these documents and no matter what mywisely continues to not give me access to my prepaid card by keeping it inactive. I tried to close the account they said I can't until I send in those two mentioned above and its now three pay periods, I have not been able to have access to the money I worked for because mywisely refuse to make my card back active. Due to this I have been late on rent and charged fees due to mywisely refusing to accept the valid documents I sent in with reference number being XXXX I had to give when uploading the documents.
Consumer complaint received 2022-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (AZ)

I recently submitted an application for a Balance Transfer Credit Card to Wells Fargo Bank, N.A. They responded that they were unable to approve my request because a Credit bureau report shows consumer status as deceased. They falsely claimed this information was provided to them by XXXX, which is clearly not true. Copies of Wells Fargo rejection letter and the XXXX report are being submitted herewith. The Wells Fargo form-letter is signed by the Credit Department and provides no contact names or addresses, only a phone number. 

As you can see, the XXXX report ( # XXXX ) says nothing about me being deceased. It also shows I have excellent credit. I certainly dont deserve to have false information reported about me, nor does anyone else who may have applied. The bottom line is the reason given for my rejection is false. It has nothing to do with XXXX, and everything to do with an error or incompetence or questionable practices on Wells Fargos part. I would pursue the application with them directly, but at this point, I have no desire to have their credit card or to do business with them. I just want to make sure they discontinue these practices of providing false information about/to future applicants and/or denying applications based on false information. I strongly resent that addressing this issue took a substantial amount of my personal time to check all my accounts for identity theft, fraud, etc.
Consumer complaint received 2022-02-26
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. (PA)

Someone stole my purse a few years ago when I was at a car wash and I see now that they have opened accounts using my information, I am a victum of identity fraud and i am XXXX off. I need my reports corrected as soon as possible.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The questionable accounts specified below continued to report on my credit report despite the previous sent requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled as soon as possible XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1700.00}
Consumer complaint received 2017-03-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Carter-Young, Inc. (TN)

My apartment complex sent an incorrect amount into collections. I spoke to agency which until was corrected I did not pay because of misinformation from old leasing complex which I was never contacted about. Agency claimed that it will not impact credit if paid which I did in full and have proof.
Consumer complaint received 2022-02-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

XXXX XXXX XXXX ATTENTION PEOPLE this website link is a XXXX XXXX XXXX pleases do not give them your personal information or if they ask for you to download a third party app called ( ANY DESK ) DO NOT DOWNLOAD they screen record all your personal information and login into your bank info XXXX XXXX etc They are pretending to be a XXXX XXXX support team and they are not THEY constantly update they contact number on their website every time they scam someone so far its been updated XXXX times or more please spread the word I got scammed out over more than XXXX XXXX XXXX these people behind this criminal act try to get this website blocked on all sites do what you have to do to report this website
Consumer complaint received 2022-02-26
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX, XXXX  ), you may be liable for your willful non-compliance.
Consumer complaint received 2018-05-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Franklin Collection Service, Inc. (NC)

Franklin Collections has a collection on my credit file from XXXX XXXX XXXX. I have disputed this collection twice of which XXXX claims that the debt has been verified. With that being said, I have yet to receive for what service was this for. Was it a cell phone? I have requested a detailed report from the collection agency with no answer in my last complaint. I refuse to pay a bill without a detailed description of dates and what it was for.