davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. BANCORP (MO)

I received a call around XXXX XXXX XXXX  saying I was going to get served papers at my house the following day. He said he was the one serving the papers and gave me a number and company to call. His number when he called me was XXXX. The number he gave me was XXXX. He said it was called XXXX law firm and the case number was XXXX. I called this number after hanging up with the server. The woman who answered said she was with XXXX law firm. She said I owed {$1200.00} and said I could pay {$350.00} to completely pay off the debt or do payments for 6 months. She said it was a debt from US bank. I told her I hadnt had an account at US bank for over 17 years. She said she was going to get my wages garnished and said there was no statute of limitations for them. She also threatened to charge me with bank fraud. I never owed US bank {$1200.00}. I dont know how they even came up with that number and now they are lying and threatening me. My account has been closed for 17 years. I looked at the court online and a lawsuit has never been filed. I dont know how they are even able to serve me without a court date.
Consumer complaint received 2024-04-02
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK (SC)

We keep trying to negotiate with Discover the refusing to work with us. They keep claiming that the account is on hold and theyre taking our rights away and then claiming that suddenly everything is gon na be closed out then they keep sending emails and every time you talk to them then they want you to just pay the minimum balance. Theyre not being very honest theres no transparency and theres no way to fix this, its a different story every time you talk to someone and then its the same story as no one ever read over the file. On top of it, the harassing us to pay the minimum balance when they said the account was going to be closed out and then its just and then its gon na be current, which makes no sense.
Consumer complaint received 2021-11-12
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: Sequium Asset Solutions, LLC (FL)

Six months ago A Georgia Company called Sequim Assets entered a false report of a delinquent. XXXX Account. I went through the process of contesting the Debt and they were unable to provide any proof of Debt. 
They have now either sold or transferred this fraudulent charge To XXXX XXXX in XXXX XXXX New Jersey. 
Do I have to go through the whole process of proof of Debt letters agin to this different company? 
IS it legal for collection agencies to just keep selling or transferring a debt that his been proven to be unsubstantiated?
Consumer complaint received 2024-04-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (CA)

On XX/XX/2022 ( or so I think ) there was a Discover credit card opened under my name in XXXX XXXX, Florida. The total amount spent of what the person that opened the account was {$24000.00}. This was not me, I do not live, nor have I ever been in Florida. The charges shown on this account, which were provided by the debt collectors were random, some of which included purchases at an XXXX XXXX, fast food restaurants, car accessories, etc I was notified by the debt collectors XXXX XXXX XXXX of these charges that were verified by Discover Bank
Consumer complaint received 2024-04-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (NY)

I wanted to purchase home cleaning supplies from online store. When I was going to make payment they requested XXXX. I send them 3 payments for 3 purchase and they were saying they did not receive it. I realized this sounded suspicious and I called my bank Citibank right away. They put a claim, but were only able to get 1 payment back and denied the other two. This was very upsetting as I called right away. Please can I get help to get my funds back.
Consumer complaint received 2021-11-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

Affirmative Complaint Against HSBC FOR FRAUDULENT DECHIEVING BUSINESS CONDUCTS- LURING PEOPLE TO OPEN BANK ACCOUNTS FOR THEIR OWN BENEFITS On or before XX/XX/XXXX, we noticed the HSBC bank promotional web advertising Little step, big money with up to {$600.00} Cash Bonus. 
On or about XX/XX/XXXX, we opened the bank account through their promotional website link. 
On or about XX/XX/XXXX, at XXXX XXXX, we called the HSBC bank at XXXX and talked to one of their customer service representatives, XXXX, double checking this account opening promotion. He said to meet any one of the accounts opening qualifying conditions : 1. Balance of {$75000.00} in combined U.S. consumer and qualifying commercial U.S. Dollar deposit2. Monthly recurring direct deposits ( see attached their printed letter page 2 ) and after eight weeks, which is around XXXX of XXXX. 
On or about XX/XX/XXXX, seeing no bonus funds, we made a few calls, talking to XXXX and other customer representatives, and were informed that we needed to wait six months plus eight weeks to receive the funds. It means that they will hold our money till XX/XX/XXXX. Not knowing all these requirements, we had to wait till then. 
On XX/XX/XXXX, at XXXX XXXX, again not seeing anything, we called and talked to XXXX and XXXX. They told us that they would talk to their back office and investigate this matter and called us back. 
On XX/XX/XXXX, not receiving any calls from them, we called at XXXX XXXX. We talked to a lady, XXXX, and were connected to XXXX. They said this issue had been resolved and we would see the bonus in a few days. 
On XX/XX/XXXX, at XXXX XXXX, still not seeing anything, we called and talked to a person named XXXX. He promised to check and call us back. 
On XX/XX/XXXX, received no call from them, we called and talked to Ms . He at XXXX XXXX. She said she would talk to the people in the back. We gave her what we had got from their rep. XXXX. She said XXXX was no longer working there. 
On XX/XX/XXXX, we called again and talked to a persona named XXXX. She denied all and said we must do direct deposits to be qualified. 
We want to file this complaint and believe that it is serious fraud and deceit.
Consumer complaint received 2021-11-12
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. (TN)

I have contacted all three Credit Bureaus/Agencies ( XXXX , Equifax, XXXX ) and the Creditors ( Bankruptcy and ( 2 ) Untitled Medical Collections ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature.Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : ''
Consumer complaint received 2021-11-12
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. (AZ)

XXXX XXXX XXXX has kept an auto loan on my credit report that no longer belongs to me. A judgement by the Arizona XXXX XXXX states very clearly that any and all debt related to the XXXX XXXX XXXX shall be awarded to my ex spouse. 

I called the company in XXXX where I was cursed at and received follow up harassment calls until I blocked the number. I have sent the dissolution of marriage document as proof. 

The definition for contempt of court according to Arizona law 12-861, " A person who willfully disobeys a lawful writ, process, order or judgement of a superior court by doing an act or thing therein or thereby forbidden. '' Forbidden in this case would be this car loan for a totaled vehicle still affecting my everyday life when judgement was clear. By the book, XXXX XXXX XXXX is guilty of contempt of XXXX. 

XXXX XXXX XXXX has a history of predatory behavior, and ignorance of the law. For example, in XX/XX/XXXX, XXXX XXXX XXXX was ordered to pay {$27.00} XXXX for the exact same reason as I mentioned, " Unfair acts or practices related to the collection of loans or repossession of automobiles. '' I will attach the lawsuit documentation as reference.
Consumer complaint received 2019-11-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (IL)

On XX/XX/2019 I initiated a withdrawal from my PayPal account in the amount of XXXX. PayPal limited and decided to close my account permanently. They told me they are going to hold {$3800.00} for over 180 days. These are valid funds from a company called XXXX. They gave no reason why they closed my account.
Consumer complaint received 2015-03-31
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Franklin Collection Service, Inc. (GA)

I did not receive this service that I am being charged for. I attempted to contact this business to dispute this, but they had gone out of business. I was referred to this agency for XXXX, but they closed business before providing me with the service required. They were not very business minded. This is probably why they went out of business.
Consumer complaint received 2021-07-23
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. (PA)

My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by TRANSUNION. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX
Consumer complaint received 2022-05-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC. (CA)

I took out this HIGH ( extremely high and unlawful ) loan@ 65.02 % (! ) APR in XXXX of XXXX. 
I am on XXXX XXXXXXXX and do not work anymore since XXXX of XXXX. 
I was receiving {$7600.00} per month up until XXXX of this year from 3 insurance companies. At which time one of them stopped paying me and my monthly benefits became less by {$3900.00} down to {$3600.00} per month. 
I have been contacting NetCredit since that time and asked them ( after explaining what happened ) to help me with lowering payments and interest rate till I resolve my situation. 
NetCredit refused to cooperate with me, they refused to make payments and interest rate lower. They kept telling me that my account is NOT delinquent enough for them to consider helping me. I kept calling and calling and calling- they refused to help. Today they reported my account late to the credit bureau 's. My score dropped by more than 33 points as a result. I called them today they offered to have payments reduced in half for next 6 months but they also stated that they will be reporting late to all the bureaus through out this time even when I make 1/2 payments that they offered to me.

I am asking for CFPB to interfere and stop this madness!!! They shall not be allowed to charge such a high rate APR and not to cooperate with customers in the hardship. They are also shall not be allowed to keep stating I am late if I will be making monthly payments offered.
Consumer complaint received 2021-11-12
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. (GA)

XXXX XXXX XXXX  Balance {$2800.00} Date Opened XX/XX/XXXX THIS IS NOT MY ACCOUNT " Validate Account '' XXXX XXXX XXXX Balance {$85.00} Date Opened XXXX XXXX, XXXX THIS IS NOT MY ACCOUNT " Validate Account '' XXXX XXXX XXXX XXXX {$9000.00} Date Opened XX/XX/XXXX THIS IS NOT MY ACCOUNT " Validate Account ''
Consumer complaint received 2021-11-12
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: Neon Newco Corporation (WI)

There was a cash back rewards program added to my online account while I was reviewing transactions. I did not ask for this cash back rewards program. I believe it is stealing money from the account. Please check the html coding inside of the rewards box.
Consumer complaint received 2021-11-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (IL)

XXXX XXXX agency was contacted about a {$590.00} medical debt that was explained that the debt was not true. It was expressed and explained that debt was covered by Insurance and therefore was not a debt to be collected nor was it accepted as my personal debt. Company never verified and did not comply.
Consumer complaint received 2021-11-12
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. (MD)

I originally had XXXX fraudulent derogatory marks on my Equifax credit report and XXXX fraudulent derogatory marks on my XXXX report from the XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. My insurance provider covers my visits to the XXXX Associates of XXXX and I have never gone to XXXX XXXX XXXX XXXX. I disputed the mark from XXXX XXXX XXXX in XXXX with Equifax and it was briefly removed but then put back into my report after some time. I have been disputing the XXXX XXXX marks with both Equifax and XXXX from XX/XX/XXXX until XX/XX/XXXX with no success. Every time the marks where removed from my credit report, they have been inputed back in for the same number of marks and amount by XXXX or for double the amount and have increased the original XXXX derogatory marks to a total of XXXX derogatory marks by Equifax. I have spent a lot of time and effort trying to dispute these fraudulent marks for several years online and over the phone, each time the marks would be removed and then added back in some time later. The most recent action I took was in XX/XX/XXXX, but the marks were recently added back in by both Equifax and XXXX.
Consumer complaint received 2019-01-30
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. (FL)

I have been the victim of identity theft and someone my information has been used to try and open accounts. The inquiries are not mine or initiated by me : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-11-12
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. (NC)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2021-11-12
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ProCollect, Inc. (TX)

RESPONSE TO OPEN COMPLAINT # XXXX. 

ProCollect lied in their response to CFPB. 

Today, XX/XX/2021, they left another voicemail, one more in a long series of phone calls and voicemails. In the voicemail, they stated the following : " This is a personal business alert for XXXX XXXX. If you are not XXXX XXXX, please hang up at this time. This message contains private information and should not be played in a manner which can be heard by others. This call is from ProCollect. This communication is from a debt collector. This is an attempt to collect a debt. Any information obtained will be used for that purpose. Please call XXXX. '' I conducted a search on the company and the phone number and discovered that there are many complaints which have been lodged against it for making fraudulent phone calls, leaving no information other than those similar to the statement above.
Consumer complaint received 2022-05-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (TX)

I was a victim of an scam. I made two payments via XXXX, provided by my Bank ( Chase ). I called them as soon as I realized it, but they told me they could not help me because XXXX do not allow them to recover or stop payment. I lost {$1200.00} and Chase could not help me.
Consumer complaint received 2024-04-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OR)

On XX/XX/2024 I noticed a pending transaction in my USAA checking account for {$300.00} to XXXX XXXX XXXX XXXX. I immediately contacted my bank for stop payment and to freeze my debit card. I was told the whoever this company was they had my account number and routing number and not my debit. USAA started a fraud review, and I requested a dispute on the transaction, since I do not know who this company is and have never given XXXX XXXX my account information or authorized them to charge me for any product or services. I searched the web and found that there's an XXXX XXXX XXXX in North Carolina and an XXXX XXXX XXXX XXXX in XXXX, Florida. I emailed both and had no response except one failed mail delivery for the email provided.
Consumer complaint received 2021-11-12
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 — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION (AL)

Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over XXXX days and I have not received any investigation results.
Consumer complaint received 2016-01-04
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ENOVA INTERNATIONAL, INC. (VA)

I applied for a loan with Cash Net USA last month when I desperately needed some cash to keep me and my family from being evicted from our home in XXXX, VA. I was desperate at the time and admittedly I did n't read the " fine print '' in the loan documents. 
Cash Net needed my routing number and account number in order to deposit the money in my account. The loan was for {$1000.00}. 
But as it turns out, aside from using the information only to deposit the funds into my account, they also use the information to draft my account without setting up an autodraft with my lending institution. 
Once I realized the ramifications of my actions, I read the " fine print. '' As it turns out, I am being charged a fee of {$150.00} for administrative charges. They are also charging 300 % APR. 
As is the case with desperate people such as myself, my family 's welfare is more important to me than being shaken down by legal loansharking. 
I have the emails sent to me from Cash Net verifying the above information. 
They will draft over {$200.00} from my account ( currently overdrawn ) for the first of 12 installment payments on XXXX causing additional fees and charges. 
I am doing the best I can to get back on my feet, but am unable to right now as I am currently XXXX at the VA hospital in XXXX, VA. I am working through some combat-related, service-connected issues. While the additional stress is challenging my recovery, I realize that is not your problem. 
Is it legal to draft someone 's checking account without the account holder setting up their autodraft at their lending institution? 
How is charging 300 % legal anyway? 
How is this not considered to be predatory lending? 
As I stated earlier I can forward the information I received from Cash Net, but am unable to do so on this platform. 
Please advise me on what I may be able to do to resolve this situation. 
Thank you in advance for your time and consideration, XXXX XXXX
Consumer complaint received 2022-05-19
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. (CT)

EXPERIAN is an elaborate mechanism that has assumed its role in reporting on behalf of I the Consumer without my written instruction to do so violating my federal right to privacy. Under 15 U.S. Code 1681 ( 4 ) there is a need to ensure that consumer reporting agencies exercise their GRAVE responsibilities with FAIRNESS, IMPARTIALITY, and a RESPECT for the consumers RIGHT to PRIVACY. EXPERIAN is in violation of Federal law 15 U.S. Code 1681b ( a ) ( 2 ), I DID NOT give XXXX a written notice to report on my behalf. EXPERIAN is violation of the following Federal Laws. 15 USC 1681e ( a ) - U.S. Code 1681a ( 2 ) ( B ) - 15 USC 1681i - 15 U.S. Code 1681e ( b ) - 15 USC 1681 - 15 USC 1602 ( p ) - 15 USC 1681e ( b ) - Regulation V 12 CFR 1022.3 - 15 U.S.Code 1681a ( q ) ( 3 ). EXPERIAN is in violation under 15 U.S.Code 1644 ( a ) - Fraudulent authorized use of a credit card such as a license plate, social security card, EBT card, can result up to a XXXX fine.
Consumer complaint received 2022-05-19
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. (GA)

This was not sent in error I am a consumer by law and I am frustrated. As of today its been over 90 days and they have yet taken any action to correct the inaccuracies. They Violated The United States Code Law under permissible purpose. I never gave them any written consent to report anything on my consumer report no consent is identity theft.