davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A. (GA)

Dear Sir or Madam : I am writing to dispute a billing error in the amount of {$390.00} on my account. The amount is inaccurate because the charge is fraudulent. The creditor is claiming that I am responsible for this charge ( which happened to be the highest one ). The creditor stated that they contacted the merchant, who told them that the card was present at the time of the transaction. This is not accurate, and I would be willing to review security tapes at the merchant to prove that I was not there using the credit card.

I am requesting that the error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement.

Lastly, if the creditor insist that I am responsible for the fraudulent charge, Federal law limits my responsibility for unauthorized charges to {$50.00} under the Fair Credit Billing Act. 

Please investigate this matter and correct the billing error as soon as possible.
Consumer complaint received 2022-05-13
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA (CA)

I have a Student Loan through XXXX Mohela and my payments were {$380.00} a month. In XXXX of XXXX, I had to do a forbearance due to being unemployed. When my forbearance expired in XXXX of XXXX, the payments had risen {$490.00} a month. Unfortunately, I had to do another forbearance, in XXXX, this time due to a XXXX and now the payments are {$730.00} a month. 

I called XXXX Mohela on XX/XX/XXXX to see why the payments are so high after my forbearances and they told be it was due to the term of my loan, which is five years and ends in XXXX of this year. 

I asked if there was a way to reduce the payments, because I only work part-time and I have not started back to work yet and they told me there was not way to reduce them.
Consumer complaint received 2022-05-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

To whom this may concern I am writing because the 3 major bureaus on several occasions have yet to properly investigate the negative and inaccurate information on my credit report. By law the bureaus must adhere to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) The major bureaus have continued to report negative information, addresses, and accounts without providing legal proof that the debt is valid. I am requesting a investigation by the CFPB to remove all inaccurate information.

Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus XXXX XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. 

Be mindful that the collection agency has yet to provide A LEGAL BINDING CONTRACT WITH A BEARING SIGNATURE SHOWING PROOF OF DEBT AND OR LEGAL OBLIGATION TO PAY THE DEBT WITH THE ALLEGED DEBT COLLECTOR. UNTIL THE AGENCY COLLECTING THE DEBT CAN PROVIDE A CONTRACT BINDING THE DEBTOR TO THE DEBT THE DEBT MUST BE REMOVED.
Consumer complaint received 2018-08-20
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. (GA)

In my previous dispute with XXXX ( XXXX XXXX credit card account ). I mentioned that I was an authorized user on XXXX XXXX 's account. This account entry was removed from my Equifax and XXXX   reports without either consent and had not been updated on XXXX since XX/XX/2018. In the letter dated, XX/XX/2018, from XXXX, they specifically stated that they would submit a request to the credit reporting agencies, XXXX, Equifax and XXXX to request this account appear on my credit profile. It has been well over 60 days and my reports are not updated. This account has not been added to my XXXX nor Equifax report. This is unacceptable and is poor customer service on behalf of this company. Being that XXXX XXXX ( see attached letter ), with the Executive Response Unit, provided this acknowledgment and is yet to fulfill is very questionable about the practices of this company. This is deceit to the fullest as they have not reported to the bureaus for them to update my profiles accordingly and I am therefore suffering pecuniary consequences. 

Update my credit reports accordingly and immediately as I have been delayed well over 60 days. I would also like a copy of the request this company is sending to the bureaus as proof of receipt that they are indeed advising the bureaus to update, but the bureaus are blatantly not reporting.
Consumer complaint received 2018-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (NY)

On or about XX/XX/18, I filed a dispute with Discover Credit Card for a charge of {$3800.00} that XXXX charged to my Discover credit card ; because of damaged and delayed -delivery of merchandise. I was unsuccessful in my attempts to obtain a clear status on shipment of the merchandise.The merchant would not return my calls, or E-mails, and I initiated all contact, and written communication. Therefore, when I finally received the merchandise in multiple shipments, I made arrangement with XXXX and refused delivery and returned damaged and delayed merchandise through XXXX XXXX. 

On XX/XX/18, I received an E-mail letter from Discover regarding my dispute with XXXX : '' We're happy to inform you that XXXX XXXX, XXXX, issued a credit on your Discover card account for the transaction you asked us to investigate. This credit will appear on your next statement. '' Meanwhile, on XX/XX/18, Discover advised me : " We've completed our initial investigation of your disputed transaction and have found in your favor. '' The disputed amount mentioned in this letter is {$3800.00}. 

To my surprise, on XX/XX/18, I received another letter from Discover stating merchant credited my account for {$2000.00}. This amount is short {$1700.00}. Also, Discover, lowered my credit limit, causing an over-the-limit status that they will report to the credit bureaus. This is destroying my credit, and the merchant has my money and the returned merchandise. Discover stated that they have finished their final review. 

I am requesting Discover restore my credit limit to {$7000.00} and continue to pursue the merchant for the remainder of my refund.
Consumer complaint received 2021-06-24
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: DISCOVER BANK (FL)

XXXX, a virus protection system, emailed me they were automatically renewing the service I had signed up for. The amount is small, only {$89.00}, but I did not agree to the charge and wrote to XXXX telling them not to renew the system. 

The XXXX system was using a credit card that was not in service, that had either been cancelled or replaced. 

The credit card company initially removed the charge while investigating, but without notifying me of their decision, decided to honor the charge and added back the {$89.00} charge to my Discover bill. 

I had previously notified Discover that it was impossible to reach XXXX either by email or by phone, and I had documentation saying I did not want this service removed, but Discover seemingly did not care either about my efforts nor did they verify the accuracy of my position.
Consumer complaint received 2022-10-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I never received the {$500.00} bonus for opening up a Business Advantage Fundamentals checking account with Bank of America. At the time of applying for the checking account Bank of America offered a {$500.00} sign up bonus for new customers who met the requirements. Customers were able to apply for the account online at " https : XXXX '' for any new customers. 

**Note ; Bank of America XXXX changed the terms of the bonus some time during XXXX, XXXX from " new customers '' to " specific customers who received targeted invitations '' 1 ). Bonus requirements from Bank of America per their web link at the time of signup ( XX/XX/XXXX ) " https : XXXX '' - Must be new Bank of American business checking customer - Within 30 days of opening up an account, fund the checking account with {$20000.00} minimum funds from non Bank of America source -Maintain a minimum average balance of {$20000.00} from days 31 to 90 calendars of account opening - {$500.00} cash bonus paid to the account within 60 days of meeting requirements. 

2 ). Here are the applicable dates and accompayning info for my account ; XXXX ; Applied for account using the link https : XXXX, which automatically applied the promo code " XXXX '' during the signup process for {$500.00} bonus for new customers who meet the terms of the bonus. 

XXXX ; Received an email from Bank of America of account approval. Deposited {$25.00} check XXXX ; Deposited {$100.00} check XXXX ; ACH transfer deposit {$10.00} XXXX ; Deposited {$20000.00} check XXXX ; ACH transfer deposit {$20000.00} XXXX thru XX/XX/XXXX ; Balance is over {$20000.00} ( 30 days after opening acct ) XXXX ; ACH transfer withdraw {$19000.00} ( 31 to 90 days after opening acct ) Min avg balance during this period is above min {$20000.00} avg to meet the bonus requirements XXXX ; ACH transfer withdraw {$15000.00} I've contacted Bank of America representatives several times , but without much success in rectifying this issue . Most aren't aware of the bonus or keep transferring me to different departments with long hold only for the call to be dropped again.
Consumer complaint received 2022-08-01
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: Experian Information Solutions Inc. (CA)

I am appalled by the inability of the Credit Bureaus to verify the disputed account on my Credit report despite the multiple letters I have been sending to them! How many letters would it take me to send to them in order for the Credit Bureaus to update and correct the status of this account? Once again, I am NEVER LATE in paying with this account. I have my own record of payment history to ensure the data the Credit Bureaus and the creditor present is accurate and not erroneous. The information the Credit Bureaus present does not match with what I have! I am requesting that the Credit Bureaus stop this erroneous reporting and correct this account to report accurate information on my Credit report! The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law : Experian : XXXX XXXX Balance Owed : {$290.00} Date Opened : XX/XX/2020 XXXX XXXX XXXX XXXX Balance Owed : {$290.00} Date Opened : XX/XX/2020 XXXX : XXXX XXXX Balance Owed : {$290.00} Date Opened : XX/XX/2020
Consumer complaint received 2022-05-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc (NY)

Hunter Warfield is attempting to collect on behalf of a rental management company. I disputed this with their lawyer, XXXX XXXX, and we have a settlement showing I do not owe anything and they must immediately stop collections and reporting, yet they have not. See attached.
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In Accordance with the Fair Credit Reporting act XXXX  Account Number XXXX, XXXX, XXXX, XXXX, XXXX Has violated my rights.15 usc 1681 section 8 states I have the right to privacy 15 usc 1681 section 604 a section 2. I also state a consumer reporting agency can not furnish my account without my written instructions.
Consumer complaint received 2022-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: KEYCORP (MI)

On XXXX XX/XX/XXXX I received an email from my XXXX account. It reported that my file had been opened even though I had the file locked. I called XXXX and an agent informed me that I should change my username and password. My account had been opened and my data compromised. No one has my password except me. Several credit report requests had been made while the XXXX account was opened. XXXX placed a fraud alert on my file, but a XXXX and XXXX report had been sent out even after the account had been locked and the fraud alert placed on my account. Credit applications were made in my name at XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX and KeyBank. In addition there was a checking account opened in my name at KeyBank. How does this happen without personal presentation of a valid ID or drivers license at t report he bank? Moreover, how did XXXX supply a credit report to KeyBank well after the XXXX fraud alert was placed on my record? XXXX also supplied a report after the XXXX alert. I thought they shared information. I have filed a police report.
Consumer complaint received 2023-03-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma (WY)

I had my tax return deposited into my credit, karma money spend account. When I had an issue with a charge on my account, I opened the dispute. Over the following 10 business days when speaking to Credit Karma agents, it was confirmed that I would receive a provisional credit on XX/XX/2023. This was confirmed by several agents and a supervisor on the evening of XX/XX/2023 I contacted Credit Karma again because no funds were made available on my account. They then said they had to escalate it to another department which will get back to me in 24 hours. It is now the XXXX I have filed several complaints about this mystery department that never gets back to me regarding my dispute, or the error of not providing a provisional credit. Upon addressing this issue, I have advised that Im aware that this is a violation of regulation E and I wanted to speak to somebody from the department that was handling my case. They said they are aware of what regulation E is, and informed me that they are not a bank. So I am now focused on an entirely bigger issue if they are not a bank who is handling my funds. They are associated with XXXX XXXX and online. It clearly states that ACCOUNTS ARE PROVIDED BY XXXX XXXX But XXXX XXXX declines any association with our account # s routing # s or savings # s. This raises A major issue as a consumer. What financial institution is responsible for mine and millions of others money? Credit Karma spend is taking no responsibility and XXXX  refuses to associate with those accounts. Im starting to believe that something fraudulent is happening with this institution, while misleading consumers that there a credited and insured financial institution. I need to know how to proceed forward. Im still waiting on a provisional credit while my dispute is being investigated, but furthermore wondering if I should get an attorney to take legal action to protect others from trusting there money with an unknown entity. Where are these account numbers issued from. What bank is responsible for our funds? And is this even Legal?!
Consumer complaint received 2022-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-09-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (NY)

XX/XX/XXXX Today, I open up a letter from Wells Fargo alerting me that all five of my accounts will be closed on XX/XX/XXXX. 

I have banked with Wells Fargo for over 17 years. I have plenty of money in the bank and haven't overdrawn on any of the accounts. When I called this morning and spoke with " XXXX '' in the executive office, she said that she could not give me an explanation and that this was a " business decision '' by Wells Fargo. 

It is not right and it is unfair to close an account much less all five without giving reason. As far as I am concerned, this is no good reason. I am an upstanding U.S. citizen and give thousands of dollars each year to the church! This is a travesty of justice! 

I am requesting that an investigation take place regarding Wells Fargo Bank in regards to my accounts and their banking polices in general. I am also requesting that all five accounts not be closed but remain open and in good standing.
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have sent multiple attempts to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX XXXX, XXXX XXXX
Consumer complaint received 2018-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (FL)

On XX/XX/XXXX, I purchased a laptop computer from XXXX with my Discover card. The brand name is XXXX. The computer did not boot up - it was defective, showing a blue screen and error message. We called XXXX and they were supposed to send a CD that could correct the problem. It was never received. I decided I needed to return the computer and obtain a refund. 

I contacted XXXX from which the computer the purchased. Amazingly they reported they had no history of the transaction. ( A few months later they were able to locate the purchase. ) I contacted Discover. They agreed to look into it and gave me a temporary credit in the amount of the purchase ( {$1000.00} ). It posted on XX/XX/XXXX. 

I have contacted Discover by phone and utilized their email dispute service. I have uploaded information indicating that I returned the computer to XXXX on XX/XX/XXXX. 

I uploaded a letter from XXXX indicating a credit was issued to my Discover card on XX/XX/XXXX, XXXX says their investigation is complete and I owe the money. This is absurd and certainly not in keeping with Visa or Mastercard 's  practices.
Consumer complaint received 2020-06-04
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.