davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP (CA)

When entering my routing number from my checking account to pay my loan payment, I was off with one digit. I never received any email or correspondence saying the payment was n't received. Three months later, I applied for a used car loan and noticed that my credit score had dropped almost 200 points. I did the research and found the problem was with U.S. Bank. After contacting them, they were no help whatsoever. They said that I had 3, 30 day late strikes against me because the payment that I " thought '' I had made, was just moving to the following month, and so on. If I had not contacted them, I would be in a horrible position because they never even tried to let me know.
Consumer complaint received 2022-06-15
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

CEASE AND DESIST USAA SAVINGS BANK Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums.

Pursuant to 15 USC 1692c. ( c ) ( 2 ) I am invoking my specified remedy as a consumer, and the original creditor I am demanding all the following : Pay the attached bill of particulars for every violation labeled in the attached exhibits. 
Pay the attached invoice and compensate me. 

Best regards, XXXX : XXXX
Consumer complaint received 2019-03-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (FL)

I disputed this debt from Midwest Recovery Systems on XX/XX/18 with CFPB and on XX/XX/18 Midwest responded back that their client was unable to validate and a record of deletion would be sent to all 3 credit reporting agencies. That was never done but after a little back and forth with Midwest the debt was deleted from XXXX and XXXX but not XXXX. I tried to contact Midwest again but nothing was done. I also contacted XXXX  and I sent XXXX the response in which Midwest stated a letter of deletion would be sent to all credit reporting agencies and XXXX keeps stating debt is valid but it clearly not. It is way over the 30 days in which Midwest Recovery Systems stated it would take to have dent removed and XXXX still has debt on my credit report. I am still in the house buying process and this invalid debt needs to be deleted by Midwest.
Consumer complaint received 2019-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

I've filed a report on Federal Trade Commission website on XX/XX/2019 about an unknown/fraudulent BK reporting on my credit report and have sent the copies along with my info and letter with explanation to the reporting bureaus ( XXXX  and Experian ) on XX/XX/19 to remove the incorrect reporting from my credit reports. They have all the necessary documents in order to take an action and to remove the incorrect info, but instead they refuse to do anything.
Consumer complaint received 2018-12-10
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 XX/XX/2018 I sent a certified letter to Equifax XXXX XXXX XXXX, requesting they investigate inquiries which had no account 's attached to them and no permissible purpose. 


on XX/XX/2018, I received a computer generated letter from Equifax stating that they sent the creditors an electronic request for information and thereby confirming the complaint. 
In XX/XX/2018, I resent Equifax another request demanding they reinvestigate my original request Under the FCRA section 609 ( a ) ( 1 ) ( A ) to provide me with the following information, 1 ) written proof that I applied for that credit line 2 ) who they spoke with 3 ) How did they verify the information 4 ) what permissible purpose was provided On XX/XX/2018, I received a computer generated letter from Equifax stating the sent out an electronic message and verified the information. I feel that another letter will have little to no effect with this company in resolving this matter.
Consumer complaint received 2019-03-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BB&T CORPORATION (AL)

XXXX To XXXX, XXXX Tax ID # XXXX we are a Substance Abuse Out patient facility. I took family leave XXXX XXXX because my father has XXXX and was starting a new treatment. I was out the office for 63 days. I left the business bank card in my office drawer for office needs. While I was out the card was stolen when staff realized that the card was stolen XXXX XXXX Branch Manager at BB & T was contacted and notified! XXXX XXXX told XXXX our employee that his name was not on the account so he could not file a claim! 

XXXX XXXX failed to put a stop on the card and XXXX continued to have fraudulent charges made. When I returned I went into the Branch on XXXX XXXX, sat down with XXXX XXXX and went through the account. XXXX XXXX told me that the account closed 3 days prior to me coming in and that he would have to manually put a fraud claim in and that it would take him 2 days. Weeks went by with no response fro XXXX XXXX when I spoke with someone in fraud department I was told he never flied the report. After the fraud department reached out to XXXX XXXX with no response from him I was instructed to contact the CEO Chairmans Line. I spoke with XXXX at XXXX XXXX she took the claim I informed her that the pin number was with card because because some merchants will request the pin and she stated that this was a unique situation but that should not be a problem! She then informed that XXXX XXXX told her that his computer was down and he tried to put it in and when he could not he said oh well and did nothing else. XXXX XXXX refused to call the detective who was working the case. 

I received nothing in writing, email or phone call! I call into the fraud department to follow up today and was told that the claim was denied because staff had access to the pin and my company money would be refunded! I was told that a request for payment was sent to the branch and ant the manager XXXX XXXX denied twice! 

As of today I have not spoken with XXXX because he doesn't return calls or emails!
Consumer complaint received 2018-12-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

ON THE LAST XXXX XXXX  PAYMENT OF OUR XX/XX/XXXX XXXX XXXX THE PAYMENT WAS OVER PAID. TOYOTA REIMBURSED THE OVER PAYMENT IN A TIMELY MANNER. THE PROBLEM IS, THAT ANOTHER XXXX PAYMENT WENT OUT AGAIN IN THE THE AMOUNT OF {$500.00} IN XXXX. TOYOTA HAS INFORMED US THAT WE HAVE ALREADY BEEN REIMBURSED FOR THE FINAL PAYMENT IN XXXX AND THE PAYMENT IN XXXX. WE HAVE BEEN IN CONTACT WITH SEVERAL SUPERVISERS WITH ANSWERS THAT MAKE NO SENSE. ONE OF THESE APOLOGIZED FOR THE PROBLEM AND TOLD US THE OVER PAYMENT WOULD BE SENT OUT AND WE WOULD HAVE A CHECK IN SIX TO SEVEN WORK DAYS. TOYOTA ASKED FOR DOCUMENTS FROM XXXX  THAT SHOWS XXXX  XXXX  DEPOSIT AND WE EMAILED IT TO THEM AS DIRECTED AND THEY SENT US AN EMAIL STATING THEY RECEIVED IT,
Consumer complaint received 2018-12-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I lost my credit card then I reported to Bank of America. There were multiple charges have made not by me. I was asking Bank of America to help but unresolved. I have already contacted with merchant a few times but no results. Please help!
Consumer complaint received 2018-08-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Robinson, Reagan and Young PLLC (TN)

This debt is not longer owed. The XXXX  forgave the debt and sent this company notification to release and remove the debt. There are two accounts. The balance on one is XXXX and the other one is XXXX
Consumer complaint received 2022-02-15
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. (MD)

I have sent numerous letters asking for validation and have yet to receive proper documentation to validate the alleged accounts. These accounts are hindering my ability to receive a well-deserved promotion in my career. Please provide proper validation or remove the alleged accounts immediately. Thank you!
Consumer complaint received 2020-12-12
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: Experian Information Solutions Inc. (CA)

I am no longer an authorize user on XXXX XXXX XXXX credit account. Please update it correctly. This account is not in my responsibility. I have contacted the institution regard of this matter.
Consumer complaint received 2018-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

VIOLATION OF MY CONUMER RIGHTS .... 
TAX LIEN ON MY CREDIT REPORT ... .... PUBLIC RECORD I received a bill from XXXX XXXX XXXX VIA XXXX XXXX XXXX XXXX FOR UTILITY BILL FROM PERIODS OF XX/XX/15 - XX/XX/2015. TO SUMMARIZE THIS I WAS NO LONGER LIVING AT THIS LOCATION REQUESTED DISCONNECTION BEFORE MOVING AND SIGNED A NEW LEASE ON XX/XX/2015. THIS HAS REALLY HURT MY CREDIT AS WELL POSTED A NEGATIVE PUBLIC RECORD ON MY CONSUMER PROFILE. MY IDENTITY HAS BEEN SOLD TO A THIRD PARTY COLLECTION AGENCY TO WHOM I HAVE NEVER HAD A CONTRACT WITH AND DIDNT AUTHORIZED THEM TO HAVE MY PERSONAL INFORMATION OR TO REPORT ANY FALSE INACCURACIES AGAINST ME. AS A CONSUMER MY RIGHTS HAVE BEEN VIOLATED UNDER THE FAIR CREDIT REPORTING ACT. I HAVE ENCLOSED MY LEASE DATING BACK TO XX/XX/2015 WHICH PROVES THIS BILL IS NOT MINE. I AM BEING DENIED CREDIT
Consumer complaint received 2018-12-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (CA)

I recently opened a business account with pay pal to collect fees for my youth soccer team. After receiving over {$200.00} in payments from parents I attempted to cash out to pay for a tournament. I received a message that my account was on hold because they are matching me up with an account for which money is owed. I have attempted several times to get information on the balance owed and I am just being told they can not disclose that information because of security reasons. So they just want me to blindly pay this amount and refuse to tell me what it is for. I need help resolving this and Pay Pal will not help. I do not know what to do.
Consumer complaint received 2018-12-10
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CURO Intermediate Holdings (MO)

XX/XX/2017 I took out a XXXX loan from speedycash and since then, for a year straight, I've made every single payment required and my account is only XXXX. I've called and asked to refinance but the customer service representative said the loan company doesn't offer anything like that. 
I've paid over XXXX $ to this company. I'm just a customer who needed money for bills and a year later I'm still feeling the reprocuctions
Consumer complaint received 2018-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NV)

On XX/XX/XXXX after having been denied online access to my Equifax credit report, I sent a FACT ACT credit report request form for Equifax, XXXX, & XXXX. As of XX/XX/XXXX, I've received all BUT Equifax. After being denied credit on XX/XX/XXXX, Equifax refused to send yet another report. The company falsely told the XXXX XXXX XXXX I was previously sent a report & have received NONE. Again as of XX/XX/XXXX I have not received ANY Equifax credit report. This is a willful denial of my rights under the Fair Credit Reporting Act.
Consumer complaint received 2018-04-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

Social security cards, birth certificates, and bank cards were stolen they belong to my kids and I. Documents were stolen while transitioning from XXXX XXXX to civilian. Multiple credit cards were fraudulently created, as well as a bank account and apartment leases.
Consumer complaint received 2022-06-15
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. (NY)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : - XXXX Account # XXXX - XXXX XXXX XXXX  Account # XXXX - XXXX XXXX  ( Original Creditor : XXXX XXXX  ) Account # XXXX - XXXX XXXX  Account # XXXX 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 an account without my written instructions.
Consumer complaint received 2022-06-15
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. (NY)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX  XX/XX/XXXXXXXX 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 ( Original Creditor : XXXX XXXX  ) Account # XXXX - XXXX XXXX Account # XXXX 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 an account without my written instructions.
Consumer complaint received 2019-03-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (CA)

We received a letter saying our account was missing important information and if we didn't get in touch by XX/XX/19 it would be closed. We called the number on the letter and were told they couldn't tell us what the problem was and we had to go into our branch. We contacted our branch manager who also couldn't give us a clear answer. We then asked when the account would be closed and our bank manager couldn't tell us. We called, went into the branch and spoke to her, and also called the number on the letter again and spoke to a supervisor. No-one is able to tell us when our account will be closed only that it will be closed. Now our debit cards have been blocked and we can't access online banking.
Consumer complaint received 2019-03-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (VA)

LoanCare has now failed to pay my property tax for three months now, with penalties this bill is over {$1800.00} USD at this time. I have contacted this company eight ( 8 ) times by telephone [ XX/XX/XXXX ; XXXX ; XXXX ( supervisor XXXX XXXX ) ; XX/XX/XXXX ( supervisor unknown ) ; XX/XX/XXXX ; call back XX/XX/XXXX ( supervisor XXXX # XXXX ) ; XX/XX/XXXX ; XX/XX/XXXX ( representative XXXX ) ] and spoken to three different supervisor that gave me three different resolution dates. The last resolution date give was XX/XX/XXXX but nothing was accomplished. I need this tax bill paid before it has an effect on my mortgage, my credit and my security clearance.
Consumer complaint received 2018-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I authorized payment of {$730.00} to pay the full amount owed on my USAA credit card on XX/XX/XXXX. The amount was paid from my XXXX XXXX checking account on XX/XX/XXXX. I chatted with a USAA representative on XX/XX/XXXX about my availabile credit. I was told that the funds were held for seven days and would not be released until the eighth day. This is giving USAA free use of my money for seven days. I think that paid amounts should be made available immediately. I am requesting that USAA change their policy about holding money.
Consumer complaint received 2023-07-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (TX)

Our previous mortgage company, UWM, did not pay the property tax that was due in XXXX on time, so we received a delinquent tax bill and additional penalties. Our property tax would have been {$4400.00} if it was paid before XX/XX/XXXX, but because they didn't make the payment, we had to pay {$5000.00}, including the penalty, on XX/XX/XXXX. UWM argues that they are not responsible for this situation because their mortgage service was sold to another company on XX/XX/XXXX. I demanded an investigation and accountability from UWM regarding the incident of my property tax being delayed, which occurred before their company was sold, but they only provided evasive answers. I am attaching " File 1 : Delinquent tax bills and my receipt '' and " File 2 : My claim filed against UWM and their response '' regarding my losses incurred due to UWM 's failure to fulfill their duty of representing payment.
Consumer complaint received 2022-07-21
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: Experian Information Solutions Inc. (FL)

Dear credit reporting Agency I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway ( XXXX XXXX XXXX - {$2600.00} ) ( XXXX XXXX XXXX - {$1500.00} ) ( XXXX XXXX XXXX - {$780.00} )
Consumer complaint received 2020-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

XXXX  ; Experian and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2021-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (SD)

Hello : There is more than one choice from above, but that can't be done. I have pd off one capital one acct and am paying off an other quite well. I received a pre approval offer in the mail and went on line. I filled it out and found I was instantly approved I called in because of the approval and int rate. Too bad. I tore up the mailed offer so can't provide it. Limit {$300.00}. ok for what I want as a senior. I was trapped to having the card. Each time I used it I paid in full. XXXX  XXXX  notified me that my score had gone down so I checked, then called capital one. My score went down because I was up {$19.00}. My limit was {$300.00} ; I had used XXXX ; XXXX ; XXXX, each paid for on the day I received my check. ( before the due date ) The final statement from capital one was if I ordered after the bill printed on the XXXX, and paid before the due date of the XXXX there would be no effect on my credit score. The amts charged were no where near the limit. I do not want this card and I do not want my score affected. This is not right. My statements on capital one and the XXXX and XXXX statements on XXXX XXXX support this. I do not know how to attach those things, but will give access.
Consumer complaint received 2018-04-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ray Klein, Inc. (WA)

I got 3 infractions/citations in XXXX, OR original fine amount {$780.00}. Due certain circumstances I wasn't able to take care of it and then by my personal neglect missed the chance to deal with it within a year as per court statement. go turned over to collections with all the fees new balance of {$1500.00} Per court statement I can only settle with collections agency on monthly payments or pay in full to the court house. Neither one of them refuses to negotiate the debt. one of the reasons I could't take care of it is that I did not have {$800.00} to satisfy it and especially now {$1500.00}. It got turned over to XXXX XXXX XXXX   out of XXXX, OR. Collections agency attempted to collect over {$1800.00} plus tried to charge interest rate. Court 's clerk stated that they can not charge any additional fees nor any interest as it is already built in into new owed balance. I need help to renegotiate the debt and at this time i'm willing to settle for original owed balance which is {$780.00}. this whole incident was caused by as what officer thought I crossed intersection on yellow light. It's unbearable punishment. My driver licence is suspended because of it and I can't support my family without it. Where is the fairness in this. and i'm at fault only because I didn't take care of it in timely manner.