davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-24
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: U.S. BANCORP (TX)

In XXXX, we went to XXXX and my wallet was stolen. We called all of our banks and asked them to cancel and reissue the cards that were stolen. We thought that took care of all of the issues, but apparently we were wrong. Fast forward 3 months and we receive a letter from US Bank stating that our credit limit would be decreased on a personal line of credit because we were past due in making payments. As we have not used this account in years, we assumed it may be fraud. Nope, just a bank charging fees that they never told us about and that we never agreed to, and then layering fees on top of those fees. 

Apparently US Bank decided to charge a " rush card fee '' of {$15.00} on XX/XX/2020 when we asked that our card be replaced. We were not told this fee would be charged and would not have agreed to it as there was no " rush '' involved. We hadn't used that account in years and were simply trying to be diligent to avoid fraud. Apparently US Bank saw it as an opportunity to increase fee revenue without telling us ( neither XXXX  nor XXXX  XXXX charged fees to cancel and replace our cards - apparently taking advantage of customers worried about fraud is not their thing, it is a US Bank thing ). 

To compound problems, they never sent a letter telling us they levied the fee, instead charging interest on the fee and assessing late payment fees on the fee ( below are the only charges on this accoun ) t. We have had several accounts with US Bank over the years and do not miss payments and otherwise pay them what is owed. However this is impossible to due when they assess a fee you don't agree to, layer fees on top of fees, and wait three months of  accumulating fees until they decide to send a letter that says " hey we're reducing your credit line because you aren't paying us. '' Imagine the shock to a customer who receives that letter who has a top tier credit score and never misses the payment. 

XX/XX/2020 Late Payment Fee {$15.00} XX/XX/2020 Interest Charge On Purchases {$0.00} XX/XX/2020 Annual Membership Fee {$0.00} XX/XX/2020 Late Payment Fee {$15.00} XX/XX/2020 Interest Charge On Purchases {$0.00} XX/XX/2020 Interest Charge On Purchases {$0.00} XX/XX/2020 Rush Card  Fee {$15.00} Thank you for this attention to this matter. If US Bank is willing to have practices like this with long time, paying customers, I can only imagine the tactics they are taking with vulnerable customers.
Consumer complaint received 2019-02-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Circle Internet Financial (OR)

I downloaded an application called XXXX XXXX on my phone. My mom sent me a total of {$100.00} and she sent it through the application XXXX XXXX which I had just set up an account and linked my debit card to the XXXX XXXX account it said that I received {$100.00} I went to go cash out so I could put it on my debit card and it said that they were reviewing my account and that it could typically take up to 1 to 3 business days. It has been more than 3 business days now and it says they are still reviewing my account. Now they didn't state that they were reviewing my account until I tried to get my money out. I have since then XXXX XXXX XXXX and I am not the only one that this is happened to. I believe that they are a scam. They are scamming a lot of people out of money. I just want my hundred dollars my car broke down and I was depending on that hundred dollars to add to the money I already had so I can buy a new car. I just want my money that's it. XXXXXXXX XXXX has a horrible way of responding. You can tell that they are automated messages and that you're not speaking personally with anybody. Please help me shut down XXXX XXXX. I do have a lawyer I would like to go about this without involving him being that it is just {$100.00}. But if I have to I will. Thank you guys so much for your help and I hope that this gets me somewhere. Thanks so much XXXX XXXX
Consumer complaint received 2019-02-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Duncan Solutions, lnc. (CA)

XXXX XXXX XXXX XXXX ( A COLLECTION AGENCY ) INTERCEPTED MY STATE REFUND FOR THE AMOUNT OF {$740.00}. 

I CALLED THEM AND I ASKED WHY THEY INTERCEPTED MY REFUND, I FILED BANKRUPTCY AND WAS DISCHARGED LAST YEAR 2018 THEN WHEN SHE REVIEWED MY ACCOUNT AND FOUND THE NOTE ABOUT MY BANKRUPTCY BUT SHE IS STILL ASKING ME TO SEND THEM COPY OF DISCHARGED LETTER AND COPY OF MY ID ETC ...
Consumer complaint received 2019-02-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R & B Corporation of Virginia (OR)

I, ( XXXX XXXX ) Had a cable account with XXXX at my address XXXX XXXX XXXX XXXX XXXX Oregon XXXX. We had bad service so we cancelled the service and started service with another provider. We documented everything in minute details. 
We were told a shiiping box would be sent which arrived in 2 days. We put all the XXXX equipment in a box took PHOTOS of the contents, and took PHOTOS of the shipping document. THis was on or about XX/XX/XXXX. 
The XXXX XXXX tracking number is XXXX XXXX XXXX XXXX XXXX. We later verified that I had been delivered successfully. We shipped the package ; dropped it off at a XXXX store in XXXX oregon and have a copy of the shipping document. We have had no less than 7 phone calls first from XXXX and now from credit control at XXXX XXXX XXXX, ( XX/XX/XXXX ). I have kept all my letters also which included shipping documents, photos of the shipping documents and delivery confirmation number. 
In the first letter I was clear that this was a disputed debt and I didnt owe a penny. I did notice that when XXXX  did the install of equipment they tore up the sheetrock in the garage and in my last communication I also informed them that they owed me {$150.00} for professional remediation for the damage. When I spoke to a XXXX today at credit control I did inform her that I have mailed XXXX   numerous times the communications ( by us mail ) that this was a disputed debt, and to not contact me further. 
I think they violated the fair debt collection practices act. 
I have kept scrupulous notes and documentation on this matter.
Consumer complaint received 2020-06-30
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. (TN)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 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 Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-21
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: Experian Information Solutions Inc. (AR)

On XXXX I mailed out 3 separate dispute letters including an identity theft affidavit to XXXX, XXXX, and Experian. It has been over 30 days I haven't received any correspondence from neither of the credit bureaus regarding my dispute. As per the Fair Credit Reporting Act 15 U.S. Code 1681i no reasonable investigation has been conducted due to the  inaccurate fraudulent information appearing on my credit file neither Prompt notice of dispute to furnisher of information before the expiration of the 5 business day period on the date it was received. The bureaus continuously violate my consumer rights by reporting inaccurate fraudulent information on my credit file and must be held accountable. XXXX, US Dept of Education, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, and XXXX are some of the fraudulent accounts th.at were opened due to my identity being compromised.
Consumer complaint received 2020-05-24
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Having not used my Capital One card for more than 12 months, I was surprised when I got an alert saying my credit score had changed. Only to find two out-standing charges ( not mine ) and a fraud alert on my Cap One account. Their XXXX app showed ( still shows ) my account was found on the dark web just a week before the first of two charges took place. Two charges I've proved 3 times now weren't mine. Still they haven't updated their reporting to reflect what their own website says.

One was for XXXX  ( i pulled all my XXXX  receipts from XXXX  to prove the charge in question wasn't mine ) attached below. Did the same with the XXXX XXXX XXXX charge ( which shows a different credit card is used for XXXX XXXX. 
I have the email alert proof ( attached ) that they never once tried to contact me about the fraudulent activity, or that a bill was due or overdue. And they had all the relevant info - address, email address, phone number. But zero contact. First thing I know is I get a ding on my credit report for {$54.00} and 30 days late that has since ruined my credit. 
I followed their procedure. No email or fax, snail mail only. I sent every bit of info requested and proof that charges weren't mine, and that their own website stated dark web activity on my account. 
In fact, I've sent the package 3 times now - XX/XX/XXXX to which I never received a reply. I sent another with all the included info in XXXX, XXXX and never received a reply. I finally got hold of someone and they said they'd received the letter but no outcome has been decided. And asked me to send again. So I did, on end of XX/XX/XXXX. 
IN advance, the person i spoke with on the phone sent me a test letter to make sure I was receiving their mail. I got it. No issues. 
But still, 4 months later nothing back from them in regards to removing the incorrect reporting info which their own website shows is fraudulent. 
It's been almost 18 months now, the evidence is obvious ( by their own website 's account ), and still no responses and no update to the bad credit reporting for what amounted to {$54.00} 30 days late from fraudulent activity. 
BTW, they've sent me countless credit offers since but still won't address the reporting issues. 
Everything else on my credit report is exceptional. I've paid off more than {$100000.00} of debt in the past 3 years alone all on time, which proves my reliability and good standing. This is the only blemish. And my credit report shows I was paying off accounts with much higher balances at the time. I'm currently attempting to get a mortgage and for 18 months have been able to secure one because of this one delinquent charge, that they admitted was their fault ( dark web activity and fraud warning alert - attachd ) and never  changed the report. 

Original case number : XXXX
Consumer complaint received 2020-05-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (AL)

Collections letter received from : I.C. Systems XXXX. XXXX  XXXX XXXX   XXXX, MN XXXX On XX/XX/2020, I received a collection letter from the above said agency in regards to an XXXX XXXX account, account number XXXX, in the amount of {$340.00}. I mailed off a dispute letter on XX/XX/2020, disputing the validity of this collection. To date, XX/XX/2020 no response has been given to me to validate this collection that is being attempted to collect against me. No communications whatsoever in this matter. Thank you for your time and attention in this very important matter. 

Respectfully, XXXX XXXX XXXX
Consumer complaint received 2020-05-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: G&P Enterprises, LLC (CA)

Allied Trustee Services states that my HOA gave approval to record a lien and then a default on my home. I also did not get notification, they told me to track it myself that they did their part by sending it certified even though they know it had not been received. I have asked several times for them to remove the lien because it was not done properly and is therefore invalid. I spoke to XXXX on Friday and she said the HOA voted to remove the late fees and interest, but I still owe collection costs and they refuse to remove the invalid lien even after assessments are now overpaid. They say they received authorization from XXXX XXXX to proceed on XX/XX/2020 to record a lien and XX/XX/2020 to record a default. Even if I had gotten the notifications they sent the proper information was not included as our XXXX XXXX XXXX 's state. I have asked several times for the documentation they were given authorization and the name of the person they claim gave it and they refuse to provide it claiming it is their " internal documents ''. I provided them documentation of what our XXXX XXXX XXXX 's state and they still refuse to remove the lien. I told them they had 21 days in writing which started XX/XX/XXXX. I am trying to list the property and they have negatively affected the value and I am getting solicitors offering to buy it as discount based on the fact they think it is in distress which it is not. I also have a health issue and this has had a very negative affect as I am stressed and can not sleep. I also sent them notice the XXXX XXXX was not being followed and Civil Code had been violated. To this point all in vain. I also asked for them to show me a breakdown as to how they were calculating interest, they still did not make it clear and stating they were getting a new system soon. I need the lien removed ASAP. We have been on SIP orders since XX/XX/XXXX in XXXX XXXX so I find this extremely callous considering my health condition.
Consumer complaint received 2019-02-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (CA)

I am a young girl barely XXXX I have NEVER even used my credit before. This is a formal request a block of listed accounts according to Section code 605 Block of information resulting from identity theft ( 15 U.S.C.1 681 c-2 ) Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than ( 4 ) days business days after the date of receipt by such agency of :
Consumer complaint received 2018-10-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (FL)

Firstly, to the CFPB, this is not a duplicate. Listen, Resurgent Capital Services L.P. has an OBLIGATION under the law to me as a consumer to provide me with what I requested. This company is now stating that they will not investigate again, which they ARE NOT supposed to do. They HAVE NOT provided me what I have requested. They are claiming that my CLAIMS have been " substantially the same '' when I have HAD to repeat myself because they keep coming back with a lack of proof, validating and verifying the account on my credit reports! You all ONCE AGAIN sent me an attachment with bills and statements, which are NOT viable proof of an account 's validity under the FCRA! The addresses are even different on the BILLS and STATEMENTS. Verify that that address has ever been mine. They've not even provided proof of THAT. My credit reports are at stake here -- NOT theirs -- and I will sue for damages if they keep this up because they are NOT supposed to report accounts that do not have original, signed consumer contracts on file! In addition to this complaint now is their refusal to cooperate and give me due process while I have been doing my due diligence for over 7 months! The next step is litigation.
Consumer complaint received 2018-10-15
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. (NC)

I am on a payment plan. I contacted XXXX last week about making a payment on XX/XX/XXXX for the XXXX month. They told if I do that then my account will not be showing late on the credit report. It shows 30-59 days late. I paid {$170.00} on XX/XX/XXXX. Please fix the error on the credit reports. On all three of them. Thanks!
Consumer complaint received 2020-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Continental Finance Company, LLC (AR)

ONCE AGAIN XXXX XXXX IS DISALLOWING MY CREDIT OPPORTUNTIES AND NOW MUST ADVISE YOU BOTH FOR VIOLATING THE F.C.R.A. 15  U.S.C. Section 1681g and the DODD-FRANK XXXX XXXX REFORM AND CONSUMER PROTECTION ACT. BY DESTROYING CAPITALISM.
Consumer complaint received 2020-06-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: REGIONS FINANCIAL CORPORATION (FL)

After depositing a personal check from another bank to open a new checking account at Regions Bank, I received a letter from Regions stating that " We have confidential information that indicates the check may not be paid '' and placed an eleven day hold on the account. Since the " check '' was a personal check from from me, they basically are suggesting that I wrote a bad check. I inquired from several persons at the bank and they advised that they were unable to provide me the nature of the " confidential information. '' One employee suggested that this notice is standard and originates with their '' Regions Check and Fraud Monitoring Department. '' Anyway for the bank to make a false claim in order to extend the holding period is WRONG! 

Personal Information XXXX XXXX XXXX Regions Account Number XXXX
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
INQUIRIES : XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2020-06-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

For over a year, I have been filing a dispute with transunion Credit Bureau about a collection account with XXXX XXXX XXXX that they keep saying is verified but have not provided me with the proper documents I have even asked Transunion how did they verify this debt they will not respond to me I have told Transunion that the company which is XXXX XXXX XXXX will not respond to me to give me the proper documents and since the debt collector wont provide me with what I am entitled too that they should delete the collection account Transunion keep ignoring my request and allowing this unverified debt to sit on my credit
Consumer complaint received 2018-10-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (AZ)

The false debt is from a rental property that we rented in XXXX and early XXXX. 
The original debtor, XXXX XXXX XXXX is attempting to collect monies that are not due, such as " owners commissions '' on the property. These amounts were never part of the original lease agreement and do not represent normal business practices for rental properties. 

We disputed this debt back in XXXX of XXXX and then did not hear from them until XXXX of XXXX, where they told us we had 30 days to respond. We again disputed the debt with them and asked for documentation and disclosure documents to prove this debt. 

On XX/XX/XXXX, we received our first letter from National Credit System , Inc. about this debt. We responded immediately with a written letter disputing the debt and asking for documentation. 

They responded with the lease agreement with no mention the debts they mention and then made-up documents with numbers that are listed and no signatures. 

We have now sent them three letters and have yet to receive any real documentation to uphold this debt. They have refused our request for disclosure documents and have sent documents with numbers lined out to reduce the debt owed in an effort to get us to pay a reduced amount.

National Credit Systems has placed a debt on our credit report which is false report.
Consumer complaint received 2018-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: OPORTUN FINANCIAL CORPORATION (CA)

All credit cards or loans I have applied for have been denied due to fraud I used to live in XXXX and I moved to XXXX  in XXXX so they have denied me because they thought I still lived in XXXX. And I recently got a state Id.