davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USI Solutions Inc. (CA)

I received a letter from USI Solutions stating that I owe XXXX XXXX XXXX XXXX {$8800.00}. I have never had a XXXX card aside from my XXXX gas card which carries a XXXX  balance. There is no record of any of this on my credit report and I have contacted XXXX on XX/XX/2018, they state there is no record of any credit with them other than the XXXX card. I have not contacted USI because I am afraid that once I do, the harassment will start. Reading about them on XXXX, they have a reputation of abusive behavior towards callers and trying to collect bogus debt. I would appreciate your assistance in this matter.
Consumer complaint received 2022-07-24
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. (MI)

In accordance with the Fair Credit Reporting Act 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 customer Reporting agency cannfurnish a account without my written instructions.
Consumer complaint received 2018-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

IN REFERENCE TO MY PREVIOUS COMPLAINT # XXXX, I JUST TRIED AGAIN TO SUBMIT AN ONLINE COMPLAINT/DISPUTE THROUGH TRANSUNION 'S WEBSITE, TRANSUNION.COM, AND I CAN ONLY GET AS FAR AS ENTERING MY EMAIL ADDRESS AND CHECKING FOUR BOXES, AND THEN WHEN I CLICK " CONTINUE, '' NOTHING HAPPENS. NOTHING HAPPENS AFTER I REFRESHED THE PAGE FOUR TIMES. ABSOLUTELY NOTHING. THIS COMPANY IS OUT OF CONTROL. HELP! TRANSUNION ADDED A FRAUD ALERT TO MY ACCOUNT, AND I NEVER EVEN CONTACTED TRANSUNION REGARDING A FRAUD ALERT IN THE PAST YEAR. WHAT IS GOING ON?
Consumer complaint received 2018-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HW Holding, Inc (MN)

I did not track telephone calls/correspondences from the debt collection agency, Hunter Warfield. 

We began in XX/XX/XXXX writing letters to the creditor and collection agency and the Minnesota Attorney General 's Office ; the Creditor and I went to court in XX/XX/XXXX and the case was dismissed, nothing awarded to either party ; The Creditor and her attorney told my attorney that they contacted Hunter Warfield and said the debt is not valid and asked that it be removed ; they have not had further contact with Hunter Warfield and have not received anything from Hunter Warfield. I wrote Hunter Warfield a letter in XX/XX/XXXX enclosing correspondence from my attorney indicating the debt is not valid and asking they remove the debt from my credit reports and in XX/XX/XXXX I received notice from XXXX stating that Hunter Warfield verified the debt as a valid debt even though it was made aware by that time that it is not a valid or enforceable debt. 

My attorney has sent a letter today, XX/XX/XXXX again requesting they stop reporting it as a valid debt and to remove it from my credit reports. 

Hunter Warfield also reflects two different amounts as owing ( {$1000.00} and {$1000.00} ) and the Creditor and her attorney admitted to my attorney they do not know where Hunter Warfield arrived at the initial {$720.00} amount or how it has gotten to be over {$1000.00} or why it would show as two different amounts on my reports. 

This is hurting my credit score ( and has been since XX/XX/XXXX apparently ) and I am not able to open a business banking account until this is removed from my credit report which they are unwilling to do. 

Hunter Warfield has not had any communications with me or my attorney either.
Consumer complaint received 2022-07-24
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. (MI)

In accordance with the Fair Credit Reporting Act 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 customer Reporting agency cannfurnish a account without my written instructions.
Consumer complaint received 2018-04-27
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. (AE)

EXPERIAN is misreporting my credit report and because I have been in XXXX for over 3 years with the military I am unable to get a copy of the report to see the details that they are reporting. They are stating that I have missed or been late on payments however all my accounts have been set for auto payment well in advance of any due date for over 3 years now. The other credit reporting agencies are correctly reporting that I have never been late or missed a payment. I need EXPERIAN to provide me with the detailed report but I can't seem to get it from them because of where I am.
Consumer complaint received 2022-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (IL)

It has come to my attention that AMERICAN EXPRESS has denied me of credit. I would like to first put you on notice that I, a NATURAL PERSON, CREDITOR, and APPLICANT am aware that the denial letter given is an adverse action pursuant to 15 USC 1691 ( d ) ( 6 ). As the Original Creditor I initiated the consumer credit transaction using my credit card pursuant to 15 USC 1602 ( L ) making AMERICAN EXPRESS an assignee pursuant to 15 USC 1691a ( e ). I DID NOT fill out a Loan Application because banks can not loan money pursuant to 12 USC 1431. This denial letter is identified as a deceptive form pursuant to 15 USC 1692j. I DID NOT benefit from the consumer credit transaction, but I was injured instead. You pulled my XXXX credit file with a hard inquiry which means AMERICAN EXPRESS benefitted from the transaction. I am the one who extended credit through the credit application. AMERICAN EXPRESS used my credit information to get paid when I should have benefitted as well. It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 ( a ). No credit card shall be issued except in response to a request or application thereof says Congress pursuant to 15 USC 1642. Pursuant to 12 CFR 202.9 ( b ) ( 2 ) Statement of specific reasons. The statement of reasons for adverse action required by paragraph ( a ) ( 2 ) ( i ) of this section must be specific and indicate the principal reason ( s ) for the adverse action. Statements that the adverse action was based on the creditor 's internal standards or policies or that the applicant, joint applicant, or similar party failed to achieve a qualifying score on the creditor 's credit scoring system are insufficient. AMERICAN EXPRESS is civilly liable for violations of TILA pursuant to 15 USC 1640. AMERICAN EXPRESS is civilly liable for violations of ECOA pursuant to 15 USC 1691e.

I DEMAND the credit applied for to be approved and to operate the account in open ended status. I demand my card be mailed to the location information provided.
Consumer complaint received 2020-12-16
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc. (NY)

I have asked Experian, XXXX, and XXXX  along with XXXX XXXX XXXX to please look into to making sure this account is not an erronous, inaccurate, unverified account Account number XXXX. They are using there power to ignore my request for ALL supporting documentation. They are all in violation of 15 U.S. Code 1692 ( d ) ( 1 ) buy using illegal tactics to ruin my reputation and profit off my credit report. I am in the middle of trying to purchase a home. They are making me stressed causing me great anxiety because they are doing this to keep me at a disadvantage. They all assumed this position to keep accurate records and I believe they are not doing so.
Consumer complaint received 2018-12-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Helvey & Associates, Inc., Warsaw, IN Branch (MI)

helvey and Associates {$320.00} is showing on my credit report as a debt i owe from XXXX  XXXX  but it don't match where i live. the XXXX  XXXX where I've been living since a kid is in my mothers name. This account do not belong to me please remove, i need your help Thanks.
Consumer complaint received 2018-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (TN)

A few months ago I received a Chase Sapphire Reserve card from Chase. The initial offer said that I would receive XXXX points after spending a certain amount within the first 3 months of having the card. It also states that for Sapphire Reserve members, each point that is used towards travel booked through the Chase site is worth 1.5 times  the actual points in my rewards account. 

Approximately three weeks ago I attempted to use my points to book a flight for XX/XX/2019. When I got to the purchase page on the site, it didn't allow my card to go through. I called Chase Travel directly to try and book the flight, they also couldn't purchase it and claimed there was a problem with their computer system. They didn't offer a timeline for it being fixed, and I submitted a claim, claim number XXXX. They said I would receive a follow up contact regarding my claim, which I never did, and when I called back days later they had no claim in their system matching that number or related to my card For the past three weeks I have continuously tried to use the site to use my rewards only for an error to pop up each time. I tried again to book a flight through Chase today, only to receive an error message saying the Chase travel site was unable to load. I called Chase travel and they told me there was a red flag on my account stating that my card was not a card eligible for travel rewards. They transferred me to the rewards department, who told me that there was no such red flag on my account, then transferred me back to travel who stated that there was nothing that they could do and no other department they could contact to resolve the claim. 

The flight I'm trying to book is a family trip, but I have to purchase my wife and son 's tickets separately. Since the time I've started trying to use MY rewards, that trip has gone up in price approximately {$1200.00}. No one from Chase has returned any of the calls from my claims or offered an alternative solution, and I have over XXXX points through their system that I am unable to use with no one willing to help resolve the claim
Consumer complaint received 2018-04-26
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (WI)

I felt I was deceived by the college and the loan lender on what these loans would end up being with interest. There was no truth in lending and original amount of {$16000.00} in students loans is now over $ 60K in loans and interest. I graduated in XX/XX/XXXX and this has been over my head for 21 years. THe University promised employment after graduation, they never helped with that. I have continual health problems and have had to defer payments multiple times.
Consumer complaint received 2022-03-07
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: CCS Financial Services, Inc. (GA)

This company is reporting inaccurate and incorrect information to the consumer reporting agencies. I've made several attempts to resolve this issue with them. Sending out letters giving them notice of the inaccurate reporting and for them to fix the problem. Due to the incorrect information My family and I have suffered hardships and XXXX damage.
Consumer complaint received 2022-07-25
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: U.S. BANCORP (OK)

I received a notification through XXXX XXXX that a hard inquiry was done using my social security with US Bank. I do not have a US Bank account. I called them and they confirmed that a credit card application was submitted with my social security, and that it was done using an address that is not mine. On that call, they closed that account.
Consumer complaint received 2018-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have been a Capital One Visa Credit Card customer for over 25 years and I have always been satisfied with the customer service. As a matter of fact, my partner signed up for a Capital One Visa Credit Card card after I recommended it to her. I am also an XXXX XXXX and have recommended the card to many of my guests who travel a lot. However, on XX/XX/XXXX I had a very disappointing interaction with Capital One customer representatives over the phone. 
For some reason I missed my XX/XX/XXXX payment of {$1300.00} by a few hours. I think it was because of a software change on the bill payment website at my bank which now requires repeated confirmation of an electronic payment and I may have closed the website too early. I got an e-mail from Capital One on XX/XX/XXXX that I missed my payment. I quickly checked my payment history and found that the payment had not been made. I immediately called Capital One and asked if I could pay it right away and if they could waive all the late charges. I was assured by the operator that the charges were cancelled and that I was clean. 
I did not think anything of it and made my XX/XX/XXXX payment of {$4100.00} without scrutinizing the bill very carefully. When the bill due on XX/XX/XXXX arrived on XX/XX/XXXX I was shocked when I saw that I was charged {$51.00} interest. After all, I had payed all my bills in full and only the payment due on XX/XX/XXXX was a few hours late. Then I went back and reviewed the timing of the events and the bills and realized that I was charged {$64.00} in the bill due on XX/XX/XXXX. 
I was outraged when I realized that only the late fee of {$25.00} had been dropped but not the interest charges of {$100.00} for being a few hours late on a payment of {$1300.00}. I find this unacceptable especially because I immediately took care of the problem as soon as I knew about it. 

In summary I am asking Capital One to credit my account with all the interest charges that were caused by the delayed payment on XXXX XXXX. These charges were listed on the bills due on XX/XX/XXXX ( {$51.00} ) and XX/XX/XXXX ( {$64.00} ). I am also asking you to eliminate any additional charges that may be on future bills.
Consumer complaint received 2022-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

On XX/XX/XXXX, my wife made a routine purchase using our Capital One Venture card. The purchase amount was about {$750.00}. Immediately, the charge was denied due to lack of funds. We've had this card for over 7 years, paid all payments on time, and have never gotten close to the limit except for maybe a couple of occasions. Capital One has reached out in the past to confirm if a purchase was valid before, but it was always resolved quickly. This time they only sent an e-mail to call. I called Capital One to figure out what the issue was. The representatives informed me that the card was put into 'restricted ' status and would not be opened until I provided a copy of my driver 's license, a copy of my Social Security Card, AND a copy of a recent electrical bill to prove residency. I explained that the information they are requesting is unreasonable and there have never been any issues with my account before. I was transferred to a 'manager ' who echoed the same request for documentation. XX/XX/XXXX, I called again to hopefully find another means to resolve the issue. I spoke with another 'manager ' who repeated the same request for documentation. I can not get my account unrestricted in any way without providing these documents to them. Capital One refuses to disclose any information as to why my account was set to restricted until I provide them the documents. They have provided NO OTHER means to resolve the issue or any information regarding the issue until I provide those documents. When asked where in the Terms and Conditions it states that this is required the agent cited a section and language that does not appear on the Terms and Conditions Capital One has on their website. I could not find where it's mentioned or why it is required in the Terms and Conditions. I do not feel Capital One 's request is reasonable considering that Capital One had a massive data breach in XXXX and sending these documents would expose me to greater risk than I am comfortable with. I have no guarantee or assure that my identity would be safe, other than the word of Capital One 'agent '. As an customer with, previously, good standing I feel that the treatment I have received is beyond unconscionable.
Consumer complaint received 2020-06-06
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Paypal Holdings, Inc (CA)

I have requested my PayPal account be closed, however they will not do so unless I upload financial statements and my ID. 

I have never used this account, but I have linked a credit card and bank account to it and I no longer want them to have my information.
Consumer complaint received 2018-12-15
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (MS)

Company contacted me XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX. Each time I told them that I wont have the money to pay my account until the end of the month when I get paid. I asked them each time not to contact me on my cell phone. They have ignored my request. on XX/XX/XXXX they called me and told me they have every right to call me and I told them not if I repeatedly told you not to. I tried contacting the manager on XX/XX/XXXX stayed on hold for 10 minutes, he never answered my call.
Consumer complaint received 2018-12-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I submitted a letter to Equifax Credit Reporting Agency and I have not received a response to my letter of dispute for the following companies. 
1 ) XXXX XXXX XXXX 2 ) XXXX XXXX Letter was submitted to Equifax, requesting for an investigation of inaccurate information being reported into my credit profile due to identity theft. I have not been notified by Equifax of any results. It has been over 30 days. Original submission was on XX/XX/2018
Consumer complaint received 2018-05-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

My car was reprocessed on XX/XX/XXXX and I contacted 5 Third Bank on XX/XX/XXXX. I never received a phone call or an inquiry as to any past due balance on my account. I contacted 5 Third Bank and I was told that I had missed a payment in XX/XX/XXXX which was over two years ago. I have made consistent payments of XXXX dollars for the last 6 years on my account online from my XXXX XXXX account online and have made consistent payments that posted on the same day of the month. Not only have I made additional payments of the loan, I called and spoke representative to inquiry about my balance and they always stated that they send me my payment history rather then going over my account over the phone in regards to the payments made. I requested several times to speak with executive relations department about my balance and account and I constantly get transferred or disconnected. I had an issue in XX/XX/XXXXof an illegal reprocession and I was never contacted that I missed any payment on my account. The bank claimed that there was a ceased and assist on my account and I requested the recording of such requests since I never requested no contact on my account. I was also told when there was a reprocession on the account that there was no updated telephone number on the account. I gave them my contacted telephone number and I have never missed any consecutive payments other than there was one partial payment in XX/XX/XXXX and I have made XXXX monthly payments for six years. I was given incorrect information and the bank refused to go over my account. Not only was my car reprocessed the second time, I was not given any paperwork from the agent when I obtained my car and I was told that I will receive a notice within 10 days. I spoke to a representative on XX/XX/XXXX and I was told that there was XXXX balance due and I made a payment for XXXX dollars to retain my car and I was that it was payments from XXXX-XX/XX/XXXX. I made a XXXX. payment on XX/XX/XXXX and I being charged for late fee, repo fees and additional fees by third party company and I being denied complete records of my account and constantly getting nasty rude and unprofessional customer service representative who given incorrect information and payments.
Consumer complaint received 2022-07-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (MI)

WHY ARE YOU REPORTING THIS INACCURATE INFORMATION? THE BALANCE ON THIS ACCOUNT IS {$0.00} MEANING THERE AREN'T AN OBLIGATION THAT'S DUE. THE BALANCE WAS PAID OFF OVER 10 YEARS AGO. THIS INACCURATE INFORMATION IS DEFAMATION OF MY CHARACTER.The obligation was paid theres no need to have inaccurate information reporting especially when the obligation has met these types of things destroy a person 's life and character. 


THIS ACCOUNT SHOULDN'T BE LISTED AS DEROGATORY WHEN THE BALANCE AND {$0.00} AND NOTHING WAS NEVER OWED ON THIS ACCOUNT DELETE THIS INACCURATE INFORMATION. 
WHY ARE YOU ALLOWING A SCAMMER TO RUIN MY LIFE AND YOU WONDER WHY ITS XXXX XXXX