davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP (OH)

In early XXXX, I called the bank to request an increase on my existing {$300.00} limit U.S Bank credit card that I have managed well since 2012. I had very good credit in which I have been building for many years. 
I requested a {$1200.00} increase through a phone conversation with US Bank Customer Service Employee, which would make my available line of credit {$1500.00} total. About a week later, I received a denial letter from the bank for my credit line increase request. 
Each month when I would go into the bank, to pay the balance on my {$300.00} limit US Bank credit card, the bank teller would inform me I wasn't earning any reward points on my existing card. So, a few weeks after I got the denial letter when I visited the local branch, like usual, the teller informed me that I wasn't earning points. So I said, Okay how do I go ahead and get enrolled in points? ( Thinking I might as well get something out of my card if I am going to use it ) So that day, I believed I had been enrolled in getting points. A few weeks later, I went online to select my categories in order to earn a certain percentage back on each purchase. Only to discover that I had two available lines of credit open. One was my {$300.00} card and another was for {$6500.00}! Outside of my own knowledge, the US Bank employee had me sign on the electronic signature box for what I was explained to be credit card points, but turned out to be a credit card. When I set up a meeting with the branch manager, she was unable to do anything about the situation and could not explain to me how I was denied a {$1200.00} increase, but approved {$6500.00} on a new line only weeks later. I was told, by the US Bank branch manager, that US Bank employee received commission from me signing for the credit card that day. The manager informed me the teller signed me up for one of my pre-qualified offers. However, no offer was discussed with me that day, which also goes to show I did not know what I was signing up for. My best guess would be that with my good credit and standing with the bank that I had many offers and he picked the highest one without discussing them with me. The bank manager was unable to answer if I had other offers available and the only explanation was she felt that was the best one. However, it has a very high interest rate and I believe the line of credit is too high and put a huge ding on my credit score. It is just unfortunate that a commission driven employee is able to get away with a scam on a loyal US Bank customer.
Consumer complaint received 2018-09-13
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: PNC Bank N.A. (PA)

Went to my local pnc office and filed paperwork to take payment out automatically, never did and in the meantime, made a payment on XX/XX/2018. Well I called because Im still being reported as delinquent? My credit score is down 59 points? I called my local branch plus the XXXX branch and got put on hold just to be disconnected? Help
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Here I attach, along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2018-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

The whole issue we are trying to resolve is I refinanced and didn't receive anything in the mail from XXXX XXXX untill you called in XXXX saying I missed XXXX payment and I didn't know you billed me. I was waiting for my first statement. So when I got the call the XXXX payment was missed ... I didn't know where to remit payment and I paid both XXXX and XXXX together. After that I had the payment details and was able to continue paying. 

Because I refinanced and got a new lender I was unaware when and when to pay. Please remove 30 days late reported in XX/XX/2018
Consumer complaint received 2018-09-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

Reference complaint XXXX, this is an addendum to same ; on XX/XX/2018, a representative of XXXX XXXX XXXX XXXX called to " Discuss '' the aforementioned complaint. I told the representative I did not want to discuss the matter verbally but instead have all correspondence to be " Written '' and please not call. The representative immediately said " Then you want no further contact from this office? '' I again said No that is not what I said and repeated I wanted only written correspondence for this exact reason. The representative was not respectful in any way to my self. He was not respectful to the process nor did he seem concerned with any possible ramifications of my allegations against XXXX XXXX XXXX XXXX. I believe the representative called so that he might relay to the CFPB that the " Issue had been resolved '' by virtue of just calling and nothing could be farther from the truth. The rep acted annoyed at having to call.
Consumer complaint received 2018-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The whole issue we are trying to resolve is I refinanced and didn't receive anything in the mail from XXXX XXXX untill you called in XXXX saying I missed XXXX payment and I didn't know you billed me. I was waiting for my first statement. So when I got the call the XXXX payment was missed ... I didn't know where to remit payment and I paid both XXXX and XXXX together. After that I had the payment details and was able to continue paying. 

Because I refinanced and got a new lender I was unaware when and when to pay. Please remove 30 days late reported inXX/XX/XXXX
Consumer complaint received 2018-04-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

XXXX XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Consumer complaint received 2018-09-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

XXXXXXXX XXXX  XXXX ( XXXX ) attempting to collect amount for services at hospital emergency room visit in XXXX Florida. 

I had medical insurance and submitted insurance card at time of visit. 

Bill was submitted to me with no explanation. I responded to their request and sent them my insurance information once again. 

Several month went by and I started getting calls from XXXX. When I contacted them and stated that the bill was submitted to the insurance company and I had never received a stated saying I was not covered and my co-pay was covered. 

The collection agency stated that it was turned over to them and they were not going to contact the insurance company. 

I submitted my information to the hospital billing department and never heard another word from them but continue to be harassed by XXXX. I get no less than one to two phone calls per day to my residence and monthly bills to my residence. This has gone on for over ( 3 ) three years. 

When asked for an itemized bill to explain how much the insurance company has paid and is this my responsible portion I get nothing but canned statements that they are attempting to collect a debt, that is all and am I refusing to pay this debt. i comment that this debt IS NOT MINE. Once again this was a visit to the emergency for an XXXX XXXX and they gave me a prescription for XXXX or something like that. Not an extended stay/xrays or lab work. My co-pay was ( {$20.00} ) XXXX  XXXX  per my insurance coverage.

I have since ( a ) relocated from my temporary XXXX residence where I was working. ( b ) changed companies I work for and do not have the previous employers insurance card anymore.
Consumer complaint received 2018-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XX/XX/XXXX I opened a dispute with XXXX and the other credit reporting bureaus for an account that was settled and paid with payment agreement. The balance owed was XXXX dollars more than my credit line. The account was apparently charged off. I sent settlement papers with the settlement amount and my payments. The collection agency for the company ( XXXX XXXX ) dishonored their agreement and tried to collect the whole amount of the alleged debt. Disregarded our original agreement of settlement. All XXXX updated was lower the balance charged off which is still in accurate because the balance charged off was {$3600.00} and not {$2600.00} Transunion is most likely going to follow the same suit. XXXX has no interest in reporting fairly as clearly seen in its report. It has no acknowledge the account is settled with the 3rd party collector XXXX and reporting wrong amounts.
Consumer complaint received 2018-09-13
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. (CA)

XXXX shows inaccurate balance for my XXXX account. Update not done every 30 days which penalized my credit report and credit score. As of XX/XX/2018, the accurate balance is {$22000.00}.
Consumer complaint received 2018-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (MS)

I have contacted Navient about the account reporting a balance every month when it is a closed account. They report and update the account every week. So I called back and tried to just pay the {$65.00} the rep said XXXX see whats going on with account and call me back he wouldnt let me just pay and he acted as if he couldnt find the account
Consumer complaint received 2018-04-20
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. (WI)

There are unauthorized Inquiries on my Equifax Credit Report that I did not due or Authorize. By law due FDCPA the Credit Bureau needs to Delete them. I've contacted Equifax spoke to several Supervisors and they said it would be deleted within 72 hours. Please provide me with Physical Documentation that shows I authorized these or I will be filing a Civil Lawsuit against Equifax & the CEO. I am a Victim of Identity Theft & the Equifax Breach. 

Please Delete the Following Credit Inquiries : XXXX  XXXX-XX/XX/XXXX XXXX/XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXX
Consumer complaint received 2018-09-13
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. (NV)

EQUIFAX has reported a collections on my report. They have reported a MEDICAL BILLING on my credit report. I have sent over repeated letters by certified mail and that have not responded. They have not validated the debt upon written request. They continue to Report this claim. Equifax claim that have received validation ( DEFAULT OF WHILE IT'S STILL ON MY REPORT ) from the creditor and have kept this derogatory remark on my report despite my multiple letters to them as well. 

PLEASE Be advised that pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sect. 809 Equifax are in violations of the 1996 Hippa Act, The law Fair Debt Collection Practices clearly states they must verify Evidence/proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 

Proof that the collection agency are registered to transact business and/or collect in my state. 

Proof of collection agency authorization by law for collection of information. 

Evidence of whether this debt was assigned or sold to : XXXX XXXX PLEASE Be advised that pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sect. 809 ( b ) that your claim is disputed and validation is requested. 

Any Evidence of EQUIFAX verifying my personal Medical Billing is a violation the HIPPA ACT 1996 TITLE II PRIVACY AND SECURITY which are a set of regulations and guidelines for the electronic transmission of healthcare data, and sets up guidelines for the code sets used in medical billing and coding. 
ANY MEDICAL INFORMATION AND INCLUDING MEDICAL BILLING MUST HAVE A HIPPA RELEASE FORM. 

Having Any Of My Medical Information Is A Violation Of Hippa Law. 

CREDIT REPORTING Agencies do not fall under Health Information Exchange ( HIE ) Which pertains only to Doctors, Nurses, Pharmacist other Health care providers to access and securely share a patients vital medical records. 
ANY VALIDATION OF THIS DEBT IS UNLAWFUL OF HIPPA ACT 1996 TITLE II PRIVACY AND SECURITY
Consumer complaint received 2018-04-19
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: CURO Intermediate Holdings (TX)

I recieved a call that I got approved for a loan and that the ftc would deposit money into my bank account and I Had to go at XXXX in the morning to XXXX XXXX and wire the money back or my account would be closed. I Did not wake up in time and my account was closed. The compamy wrote a check. Asked me for my bank login information and deposited the check as if it was me. They even endorsed the check with my name in the back.
Consumer complaint received 2018-09-13
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: JPMORGAN CHASE & CO. (NC)

I was leasing a new XX/XX/XXXXXXXX XXXX from Chase. I extended the lease at the end because I was waiting for the new XXXX XXXX model to come in. The origional lease was due XX/XX/XXXX.On or about XX/XX/XXXX I paid the lease for the XX/XX/XXXX payment. On XX/XX/XXXX my new car came in. I was not expecting it until the end of XX/XX/XXXX. I get paid once a month and pay all my bills at the beginning regardless of the date due on that month. I turned in the leased vehicle XX/XX/XXXX to the XXXX XXXX XXXX XXXX NC. I also started the process to buy my new car. Six weeks prior to this date of XX/XX/XXXX I brought my leased car into the dealer at XXXX XXXX to inspect my tires. I was told that they did not need replacing. At the end of lease I Had under XXXX miles on the car way way under mileage ( XXXX + miles ) so I did not expect the tires needed to be replaced anyway. I also added leather seats to the leased vehicle at the time of the lease costing XXXX dollars extra. At the end of lease I got a bill for {$530.00}, XXXX dollars for the end of lease fee and the remainder for wear on the tires. I knew about but XXXX lease fees but my early payment of {$390.00} covered that and I don't believe my tires had enough wear on them to be charged. I wrote them a letter but never received a response and today I received another letter for the {$530.00}, no mention of my letter. I don't owe them anything, they owe me {$94.00} for the early payment made on the XX/XX/XXXX, not due to the XX/XX/XXXX when the vehicle was turned in on the XX/XX/XXXX. I also thought they would contact me so I could be there when they made their inspection but was not.
Consumer complaint received 2018-04-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (KS)

I requested a Form that my Auto Payments be automatically deducted in XX/XX/2017 from my Banking Account which Wells Fargo acknowledges that they sent to me. The CFPB from reading Wells Response states that I did not sign it which is the first that I have heard of this fact.
Consumer complaint received 2018-09-13
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. (GA)

I have two collection accounts on my credit file that are fraudulent. Equifax is allowing this miscarriage of justice. XXXX XXXX once said, injustice anywhere is a threat to justice everywhere. Equifax is only concerned with promoting their BRAND. XXXX XXXX XXXX/XXXX XXXX, and XXXX XXXX XXXX. has ruined my life. 
I can not get a V. A. Loan because Equifax is permitting these horrendous, horrifying, and horrific deeds. This is 100 % identity theft and Equifax ; XXXX XXXX XXXX. XXXX XXXX/XXXX XXXX does not care. C.F.P.B. must protect me from these bandits. It is all about their BOTTOM LINE. 
Each time these items are removed XXXX, XXXX/XXXX XXXX puts it back on my credit report, and Equifax is sanctioning it. They are trying to collect a debt that is not owed, fraudulent, and it should not be reported to my credit file. I have a police report! As a Veteran who fought for this country, and a XXXX XXXX XXXX XXXX they are treating me like the scum of the Earth. 
Please help protect me against these atrocious, and unspeakable parasites of a company. Please help!
Consumer complaint received 2018-04-19
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. (GA)

I have submitted requests for these collections to come off my accounts because they are not mine and additionally, according to their secretary of state website, are not licensed and bonded to collect these debts XXXX XXXX XXXX {$7800.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$1200.00}
Consumer complaint received 2018-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I HAD AN OUTSTANDING BALANCE OF XXXX ON A XXXX XXXX CREDIT CARD.

I HAVE PAID OFF ANY REMAINING BALANCE, IN ONE FELL SWOOP. THUS, SHOULD MY SCORE NOT GO UP BY, AT LEAST, 34 POINTS? ( CREDIT SCORE IS BY DIVISIBLES OF 5. $ XXXX= 1 POINT. ) PLUS, AN ADDITIONAL AMOUNT.

I ALSO HAVE AN XXXX  OPEN BUT THIS SHOWS NOWHERE ON MY CREDIT REPORT.

I HAVE NEVER EVER BEEN LATE WITH A PAYMENT FOR ANY CHARGE CARD. EVER.
Consumer complaint received 2018-09-13
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)

There are 6 inquiries listed on my XXXX and experian report that I DID NOT authorize. I called XXXX and Experian to dispute and both crediting agencies would not remove the inquiries from my credit report. 

The following 6 inquiries : XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2018-09-13
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. (MS)

I have contacted XXXX about the account reporting a balance every month when it is a closed account. They report and update the account every week. So I called back and tried to just pay the {$65.00} the rep said XXXX see whats going on with account and call me back he wouldnt let me just pay and he acted as if he couldnt find the account
Consumer complaint received 2018-04-19
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. (IN)

I have repeatedly notified the Credit Bureaus about an inaccurate collection account listed on my report. I have sent in documents showing the listing is invalid and inaccurate, however, the CB still refuses to remove the account in spite of the evidence provided. 
XXXX XXXX XXXX has listed a collection debt on my report for {$5000.00}, however, they are unable to provide me with a ledger showing that amount is owed. They did send a copy of my lease and a screen shot of a ledger balance " owed '', but nothing that describes the charges or the amounts allegedly owed. I've asked repeatedly for these from both the collection agency and the CB reporting the account- neither have provided any additional information. 
I feel as though I am being treated unfairly. Both the collection agency and the CB have a legal obligation to provide accurate information. If they can not do that, they can not legally list the information on my credit report.