davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP (IL)

I used my credit card as defined under 15 USC 1602 ( a ) ( I ) to extend myself credit via a U.S. Bank Signature XXXX credit card. I received an adverse action letter from U.S. Bank on XX/XX/2022 reference # XXXX. This detail was a clear act of discrimination pursuant to 15 USC 1691 ( a ) ( 3 ). In good faith, I exercised my right to extend credit as a consumer, AND a creditor and I was denied for no specific reason. U.S. Bank also violated 15 USC 1602 ( a ) ( p ) because you used my credit card with no apparent authority, and I the cardholder and consumer received NO benefit. U.S. Bank mentions the Equal Credit Opportunity Act in this adverse action letter, but violated those very same laws. U.S. Bank is now criminally and civilly liable under 15 USC 1611, 15 USC 1640, 15 USC 1691e. On XX/XX/2022 I sent a letter to U.S. Bank to let them know what laws were broken and what resolution I am expecting to come from this matter. I received a green receipt that this letter was picked up on XX/XX/2022 and am waiting on a response from U.S. Bank.
Consumer complaint received 2022-12-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Hello, i have problems to open a new account, i gave my personal information and bank info for a loan that i apply to a fraudster by mistake on XXXX XXXX So the bank send me a text message that they will close my account for suspicious activity and to protect my account from frauds. 
Because i gave my ssn, address and ID State to a loan scammer as ( quick funding available ) And also after that I been receiving a lot of emails junks of offers from scam everyday
Consumer complaint received 2022-07-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe (MN)

I got a loan for {$840.00} from River Valley Loans on XX/XX/2022. Since then I have paid 7 biweekly {$150.00} payments, a total amount of XXXX. I contacted River valley surprised that I was still being charged, thinking I had paid it off. Just to be told that I only paid {$8.00} of my principal. How is that even legal? The payments are very high for a small loan and way too high of interest charges. I contacted them again and the only thing they would do is slightly reduce the payments. But would not reduce the principal I owe.
Consumer complaint received 2022-07-06
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. (CT)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2022-03-21
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. (MN)

I am requesting TransUnion removal of the following inquiries. I have spoken to all companies and gained approval for the removal of these unauthorized inquiries. Please follow suite and processing the removal of the inquiries.
Consumer complaint received 2022-07-06
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX Account # 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
Consumer complaint received 2022-02-13
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: Experian Information Solutions Inc. (MI)

I, XXXX XXXX, Living Person And Original creditor have solely made this complaint and if stated otherwise would be intentional willful neglect. I have supporting documents presented in this complaint that establishes that the corporations mentioned in said complaints have committed fraud against me since as far back as 2014. This is totally unacceptable and you must hold these companies responsible as they feel they are ABOVE THE LAW and taking advantage of me and my REPUTATION. The accounts listed in the supporting documents of this complaint CLEARY show that the accounts are not mine and are fraudulent. Pursuant to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting on my consumer 's file. I am telling you my hand on the XXXX that this is information will not be blocked in error. My FTC report and affidavit of truth attached are proof that nothing I have stated is false. As your Bureau is here to protect my consumer 's rights I am requesting that you force these corporations to remove ALL negative remarks on my consumers file. All of this information MUST be blocked within 4 days of this complaint per the LAW. If this fraudulent activity continues I will be forced to start LITIGATION. If you believe that I've obtained possession of goods, services, or money as a result of information to be blocked, have your executive member or the company put it in an affidavit of truth notarized. Thanks for your cooperation in this matter. I am XXXX XXXX and I am submitting this complaint MYSELF and there is no third party involved. This complaint should not be closed at any time for authorization needed. This submitted complaint with attached documents will be my written authorization.
Consumer complaint received 2022-07-06
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. (CA)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge 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 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 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 

If you claim these accounts are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Consumer complaint received 2021-08-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS (PA)

Since you are still reporting this account on my credit report, you are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, which I may collect from you by filing a claim in small claims court. I intend to follow through with the suit if I do not hear back from you within 15 days. You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 

Lexisnexis Is violating my rights I submitted a dispute XX/XX/2021 the return receipt states they received it on XX/XX/2021, today XX/XX/2021 they still have not started the dispute which is a violation of the FCRA & FDCPA Then on XX/XX/2021 lexisNexis sent a letter with a form requesting me to do their investigation for them which is not my job in which is not required by the law.
Consumer complaint received 2022-07-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC. (MI)

Have been an Ally Bank customer for nine years, with checking and savings accounts in good standing. 

-- - XX/XX/2022 : Received a postal letter from Ally, " RE : XXXX Notice of Account Closure '' dated XX/XX/2022, which states that my accounts will be closed " on or about XX/XX/2022. '' No reason given, other than referring me to the Deposit Agreement. There is nothing in the agreement other than they can close any account at any time for any reason. 

-- - This sudden closure gives me only 5 days to change banks and transfer my funds. Note that their first class postal letter arrived EIGHT DAYS after they wrote it. If they had simply used their secure email messaging service, I would have had ample time to comply. 

-- - XX/XX/2022 : I sent Ally a message via their website, requesting the reason for closure and pointing out the lack of sufficient time to change my bank. I pointed out that I had read the Deposit Agreement but was unable to find any more information about this closure. 

-- - XX/XX/2022 : I applied to XXXX XXXX  to open a new account, and await their review of my application. 

-- - XX/XX/2022 : Via my XXXX account, I requested a cash transfer amounting to the total funds remaining in my Ally account. Such transfers have never been an issue, although it can take a few days for the funds to clear. 

-- - XX/XX/2022 : Ally replied, but offered no explanation for the closure and simply referred me back to the Deposit Agreement ( I had already explained that I had read it ).
Consumer complaint received 2021-04-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Paypal Holdings, Inc (KY)

I set up a PayPal account to receive my unemployment benefits by direct deposit and they permanently locked my account after I sent all the documents they asked for. And it was the only transaction made to the card.
Consumer complaint received 2022-07-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BMO Bank, N.A. ()

On XX/XX/2022, I sent {$100000.00} to the XXXX XXXX XXXX for service for a trade transaction I thought I was doing business with a real company which is why I transferred via BMO Harris Bank. In addition, on XX/XX/2022, this company requested an additional fee and I sent an additional {$56000.00} to the XXXX XXXX again via BMO Harris Bank. The XXXX XXXX XXXX is a fraudulent company BMO Harris Bank is apparently enabling their illegal activities. I have gone back and forth with my bank and BMO Harris bank. BMO Harris Bank refuses to cooperate in rectifying this matter with my bank and my bank is telling me to contact XXXX XXXX XXXX which is a total fraud. 

Recently, a business colleague of mine got an invoice from another company however the receiving bank account was the same exact XXXX XXXX XXXX at the BMO Harris Bank. Overall, XXXX XXXX is allowing the XXXX XXXX to commit criminal activities within their esteemed financial institution.
Consumer complaint received 2021-08-23
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC (TX)

I was originally contacted by a gentleman in XXXX claiming I owed a payday loan that was opened in XXXX. I explained to the person who went by the name " XXXX '' I have never had a payday loan and this had to be fraud. He stated he was going to take me to court and have me arrested I ended the conversation and researched the company he claimed to be from. What I discovered was other victims reporting that this man and his company were a scam company making up payday loan debts to get people to pay. On XXXX I received a alert from XXXX  that I had a collection from a company named DRS ( Debt Recovery Solutions ) with the phone number XXXX I called the number several times with no success, the number went straight to voicemail with the same gettleman I spoke to years ago, but this time he is going by a different name " XXXX XXXX '', not " XXXX ''. I disputed the account as fraud, and the account was removed immediately from my report. On XXXX I received a notification my report was flagged again for a collection with XXXX, from the same company DRS but with a different phone number. I called XXXX  and disputed this account as fraud, and I made a police report, and pressed charges. I also called the company, and gave them the police report number, and name of the officer, and I let them know I was pressing charges, and that the account they have is fraudulent. The account is not even in my name, the account is using my first name, with a different last name, and my social.
Consumer complaint received 2021-04-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (VA)

On XX/XX/11 I received emails from XXXX XXXX and Experian that my credit report changed. I logged in and looked and found that someone put an account on my credit reports that was opened in XXXX. I never opened any accounts in XXXX and I also noticed my social security number was reported as incorrectly on my Experian report. I was never sent a right to dispute this collection account or any validality of what was put on my credit report per the law states. The name of the account is XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

I am disputing XXXX transactions due to transaction errors trying to withdraw from ATM machines however I never was dispersed the money but my account was taking away from my whole dollar amount without me receiving the funds from the machine the bank has me on some fraud program that messed up my whole account where my card was declined at some points and was accepted at others and then I would have to call and say that was me trying to get the money and they wouldn't make me do it for the last XXXX transactions and now when they authorize all those I was no longer at the ATM machines it says it was authorized one day and then posted another business day. I use the same ATM machines and the one time that I did get the money it was posted and authorized on the same day. Please see attached.
Consumer complaint received 2022-03-21
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: UHG, LLC (CA)

I received an earnings withholding order from XXXX XXXX XXXX regarding a debt that I apparently owed from a company UHG I LLC from my employer XX/XX/2025. I contacted XXXX, the same day to inquire about this issue and to try and stop the garnishment. I was advised that UHG was suing me on behalf of XXXX to which I've no recollection. I've since pulled my credit report & there's not a single collection from UHG nor this XXXX and any of the 3 of the credit bureau reports. I'm not sure what to do now because a garnishment has hit my paycheck for {$770.00} for which I can not afford. Right now XXXX will not stop the garnishment, will not provide me with a debt notice it's become their word against mine and i'm pinned to a corner.
Consumer complaint received 2019-08-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I am a XXXX XXXX veteran and my families only income is from VA XXXX and Social security XXXX.  I fell behind due to XXXX   and applied for mortgage assistance.  Bank of America just denied me onXX/XX/2019 for the reason of: "Unable to verify income"?  How hard is it to look at my VA award letter and Social security letter and two bank statements showing the deposits circled.  This is a violation of the Fair Housing Act discriminating against and not allowing XXXX income to be used in the review.
Consumer complaint received 2022-03-21
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. (NJ)

Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.
Consumer complaint received 2018-07-03
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

My identity was stolen. I found out when I received a credit report when applying for an apartment. I spoke to XXXX on XX/XX/2018 at approximately XXXX pm. I requested the letter as I was advised by the FTC detailing that : 1. the fraudulent account was not mine. 2. I am not liable for the account. 3. That the account was removed from my credit report. 

XXXX from CapitalOne told me that the account has been closed due to fraud and that I would be receiving the above requested letter in a few days. 

Today, on XX/XX/2018 at approximately XXXX XXXX I contacted CapitalOne as I still did not receive any correspondence from CapitalOne as promised. I contacted CapitalOne and informed them of the situation. XXXX told me that they were notifying the credit bureau but I could not get the letter as promised unless I provided a copy of my social security card and my driver 's license. I told them I was uncomfortable with that as my identity was stolen and could provide them with any information they wanted. They refused to help me. 

The basis of this complaint is that the company told me incorrect information during a sensitive time on XX/XX/2018, did not follow up with me, and when I called again they said the complete opposite of what they said during my initial call.
Consumer complaint received 2018-07-03
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Continental Services Group, Inc. d/b/a ConServe (TX)

Spring 2017, i was attending XXXX  XXXX XXXX downtown and i had to get out of school fast my son took deadly sick and later on passed, so i wasnt able to think about handling nothing dealing with school at the moment, so i appeal my decision and they approve it meaning that everything that happened on my record is reversed so i been trying to talk to conserve about this and they have had some very mean people to answer the phone about this so this is my only option to have this removed from my credit
Consumer complaint received 2022-07-06
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I purchased clothing from an online store and they were not as advertised, bogus and very poorly made. I contacted the merchant and they agreed to refund me in full once the items were sent back at my expense. Everything was mailed back and delivered to merchant in XX/XX/2022. Tracking number confirmed that the package was received by the merchant, however they are refusing to refund my money. I contacted the credit card company and started a dispute. They requested the receipt of mailing and delivery confirmation which I uploaded, they gave a temporary credit but reversed it stating that the company disputed the chargeback. The credit was again credited after additional info was received, but then reversed again. Capital One then suggested that I contact the merchant. I contacted the merchant via the only means they provided ; ( XXXX  ) or ( XXXX ) and was told that I turned on the chargeback and that the money is blocked by the bank. I was again told to wait for an answer to my appeal from the credit card company. I contacted the credit card company and they on two conversations confirmed that they are not interfering with the refund transaction. I can only contact the merchant via email and I keep getting the runaround from them. They received their items since XXXX XXXX, XXXX. The items total {$200.00}. Please help.