davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (CA)

I bank with US bank. I was charged a 36.00 overdraft fee, even the I did the opt-out debit card coverage, and one transaction was an error. This transaction is the 99.00 to XXXX on XX/XX/XXXX. When I went into bank account online, after getting a notification, it showed a negative cause by XXXX, and less than XXXX negative balance. I have already contacted XXXX, and they are refunding the 99.00. I had begun useing the Opt-out option more than a month before as suggested to avoid the overdraft fees. 
The banker denied my opt out would protect me from these charges as they were reoccurring. I then read him what I had read and agreed to when I changed the overdraft protection in my banking phone to the opt out. He let me know that the bank, at its discretion could decide to pay these transactions, and i would still be accountable for the new balance, and fees. This went against what I opted out of and read twice to the banker. So, I went on to read to him from the Regulation itself - 1005.17 Requirements for overdraft services-. Even though I read supporting information to my cause, he just set my account to not make any more payments to Atm/debit card purchases, and said he would not refund the overdraft fee, and again denied I had any recourse. 
Below, is how these were copied from my online account page. The banker told me it was the charge for XXXX, and subsequently the charge of XXXX to XXXX that caused the overdraft. 
All of the charges listed below were charged to my US Bank debit card, and the opt-out was chosen much earlier than this group of transactions. Pending is listed at top and completed is shown below that. 
I believe US Bank is abusing its overdraft, and using every loophole to still apply every overdraft, Opt-in, and Opt-out. 

PENDING : XX/XX/XXXX fee Overdraft Paid Fee {$36.00} XX/XX/XXXX ( auto renewal error, transaction N/A a XXXX*subscription XXXX XXXX {$99.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$30.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$14.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX {$34.00} XXXX XX/XX/XXXX purchase XXXX XX/XX/XXXX XXXX XXXX {$10.00} {$47.00} XX/XX/XXXX purchase XXXX XX/XX/XXXX Card XXXX {$7.00} {$58.00} XX/XX/XXXX purchase XXXX XX/XX/XXXX XXXX XXXX {$850.00} {$65.00}
Consumer complaint received 2023-06-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC. (GA)

On multiple occasions, I have used the legal protection afforded to me as a consumer by The United States XXXX. I have filed multiple complaints through the CFPB stating Fair Debt Collecting Practices Act laws that MIDLAND CREDIT MANAGEMENT , INC has not abided by. I have mailed an Affidavit of Facts and have not received a response which has to be rebutted line by line with facts. Attached to the affidavit are exhibits with my proof. MIDLAND CREDIT MANAGEMENT, INC is not above the law. They are required by XXXX to follow the laws that have been written by XXXX. Not only does MIDLAND CREDIT MANAGEMENT , INXXXX not follow the laws created by XXXX, but they also threaten me and use profane language against me. I have been threatened with legal action multiple times. This is unfair and defamation of my character. My consumer credit report represents who I am. I have lost job opportunities and I have proof.
Consumer complaint received 2022-01-24
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. (IL)

I have previously disputed Public Record/Bankruptcy / Reference # XXXX < with you and in response you verified the item as accurate stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.
Consumer complaint received 2022-04-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

This letter is regarding account # XXXX, which you claim I owe {$3300.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Consumer complaint received 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I sent letters to XXXX, Experian and XXXX on ( date of 609 letter ) regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over ( date since 609 letter was sent ) and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2022-04-08
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 Account Numbers : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # 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 2022-01-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXXXXXX and XXXX XXXX XXXXXXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXXXXXX XXXXXXXX XXXX and XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX and XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXXXX/XX/XXXX
Consumer complaint received 2022-01-24
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. (PA)

XXXXXXXX XXXX XXXX and XXXX XXXX XXXXXXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX  and XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (FL)

On Friday XX/XX/XXXX I received my Citi XXXX XXXX rewards card and attempted to make a {$900.00} purchase with the card at Best Buy as there is a {$2500.00} spend in order to receive the rewards. I then spent about XXXX hours to reach a representative in the Fraud department. When my call was answered I was told that because I did not have another credit card or bank account with Citi that my card will be locked and unable to make purchases. I was notified that since they have exhausted all options to verify my account that I could not cancel my account either. 

I was told that the only remaining option is to mail documents to help verify my identity. My research online shows that even if you are verified with this option if your account is locked after another purchase you will have to go through the mail process again unless you open another account with Citi to help speed up the verification process. I do not wish to open another account just so I can use the services of Citi without more interruptions and would like to close my account.
Consumer complaint received 2022-01-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Thaxton Investment Corporation (SC)

I have had on going issues with Southern Finance-XXXX. This account was paid in full by two payments sent. I paid {$950.00} by cashiers check in XXXX, XXXX and paid {$84.00} on XX/XX/XXXX. The total amount of {$1000.00} was paid to close the loan. I have filed several disputes with XXXX, XXXX and XXXX. The company has recently reported on or around XXXX in the name of XXXX Credit- XXXX reporting a charge off unpaid profit and loss.
Consumer complaint received 2022-01-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants and Medical Credit Corporation, Inc. (MI)

MERCHANTS & MEDICAL CREDIT AT XXXX XXXX XXXX XXXX XXXX XXXX HAS BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNT OF {$50.00} THE COLLECTION HAS BEEN REPORTED AS A PASTDUE BALANCE.I DO NOT KNOW THIS COMPANY, I HAVE NEVER DONE ANY BUSSINESS WITH THIS COMPANY, THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE ON IT ......
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (MI)

Company states that I failed to verify my identity and it is false they asked me to mail them a letter with my id and a bill and it was mailed in XXXX and again XX/XX/XXXX. Attached is a copy of the letter and my identity so that they can solve this matter now!
Consumer complaint received 2022-01-24
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. (VA)

I XXXX XXXX a federally protected natural person under FDCPA. Pursuant to the Law 15 USC 1681b each of the Credit Reporting Agencies ( TRANSUNION, XXXX, XXXX ) have violated me MULTIPLE times and all of this negative information hasn't been EQUITABLE to me. The Late payments that these companies are reporting are erroneous Pursuant to 15 USC 1666b. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDUXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am demanding you to block and remove this information within 4 days of you receiving this this complaint. I've given you plenty of times to remove this information before but you have failed to do so. The Attorney General has been Notified and will be getting in contact with each of you.
Consumer complaint received 2022-01-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelson Cruz & Associates LLC (NY)

I received a letter on XX/XX/21 stating I owed {$3000.00} from Nelson Cruz and Associates. The company they represented, XXXX XXXX, is the claimant. 
I have never had any services rendered from this company. I sent a letter ( attached ) demanding they remove my name from this debt.
Consumer complaint received 2021-05-11
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ENOVA INTERNATIONAL, INC. (VA)

In XX/XX/XXXX, I had borrowed up to {$800.00} from CashNetUSA. They wanted me to pay {$390.00} and I asked for a payment arrangement because being on XXXX I could not afford to pay that much at one time ( they had worked with me before ). They did not agree to a plan I could afford this time so I had the bank to stop any payment to this company. They kept adding interest and ran the account up to {$1700.00}. I did not hear from them until XX/XX/XXXX. They offered me a settlement of {$860.00} instead of the {$1700.00} and I had to let them know by XX/XX/XXXX. I agreed to pay {$170.00} a month starting on XX/XX/XXXX through XX/XX/XXXX. They agreed but wanted it to start on XX/XX/XXXX. I contacted them on XX/XX/XXXX and told them that they were breaching the payment agreement when they did not withdraw the money from my account. They emailed me back and said it will take 2 days to post to my account. It is XX/XX/XXXX and they have not withdrawn the {$170.00} from my bank account.
Consumer complaint received 2022-01-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

I am filing a complaint against the Bank of America credit card company due too a recent tax statement for the year of XXXX sent to me by mail to a previous address I used to reside at more than 10years ago requesting that I pay taxes on a closed credit card account. I disputed this credit card charge with Bank of America on XX/XX/XXXX and it was successfully removed from my credit report as XX/XX/XXXX. My complaint explained that I was accessed penalty fees by Bank of America for charges I never made. I have kept all my records acknowledging the several attempts Ive made to resolve this illegal issue with the Bank of America credit card company. I have statements from XXXX acknowledging this disputed matter and the removal of this matter off my credit report. I am requesting an investigation to this matter for again permanent closure of this ordeal. I should not have to be taxed and/or penalize for fraud done against my will. Thank you for your attention to this matter!
Consumer complaint received 2022-01-24
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. (WI)

I have submitted several disputes with experian one on XX/XX/XXXX and another on XX/XX/XXXX information regarding my student loans is still inaccurate and has been updated by both XXXX  and XXXX
Consumer complaint received 2022-01-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

The company ran numerous credit checks even though I had an application pending This has affected my life and ability to get credit approvals for even the smallest things This company never had any intentions on giving me this loan and as an XXXX American these practices are offensive.
Consumer complaint received 2022-01-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I am a consumer. I have been violated and deceived by the use of unfair collection practices. PORTFOLIO RECOVERY ASSOCIATES, LLC has violated my right to privacy. My reference number is XXXX with this company. I do not have a contract with PORTFOLIO RECOVERY ASSOCIATES, LLC, and have written them three times asking for proof of claim/verification for this unauthorized alleged debt! I want a wet-signature signed by a natural person from Portfolio Recovery Associates , LLC and myself showing that we have a contract. I sent registered mail along with my Affidavit of Truth complete with how I have been violated and have not received a response.

They recently sent me just a statement of this alleged debt, but NEVER answered my questions in my Verification Letter ( Proof of Claim ). A statement is NOT proof of this alleged debt. The only person that can verify the debt is me the Consumer according to Title 15 USC 1692g is me.

PORTFOLIO RECOVERY has not responded to my statement of truth, and has threatened to sue me! According to 28 USC ( 1 ) ( B ) any private attorney authorized by contract made in accordance with section 3718 of title 31 to conduct litigation for collection of debts on behalf of the United States. Is this attorney in accordance with this code? I am alleging that they are not. Not to mention PORTFILIO RECOVERY ASSOCIATES, LLC violated 15 USC code 1692e ( 3 ) by the issuance of documents titled SUMMON/NOTICE to appear in court which is considered false representations and implications of the legal process.

I am a single mother. I am looking for new employment. PORTFOLIO RECOVERY ASSOCIATES, LLC has prevented me from getting a new job because they have reported this alleged account to all three major reporting agencies and I want it removed ASAP!!!! Times are hard enough in a pandemic to have my character destroyed by the horrible company. Pursuant to 18 USC 241, this is a conspiracy against my rights because two or more persons are conspiring AGAINST me to injure, oppress, threaten and intimidate me. I have had enough.
Consumer complaint received 2022-01-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.
Consumer complaint received 2022-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX has violated my FCRA rights. This issue was fixed recently and it reappeared on my credit file. This appears on my XXXX and Experian  credit profile. It has inaccuracies stating that I made payment on XX/XX/2021, when I never made payment this is on XXXXXXXX Experian  states I never made.
Consumer complaint received 2022-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

EQUIFAX DIDNT INVESTIGATE XXXX XXXX XXXX ACCOUNT NUMBER XXXX ON MY EQUIFAX CREDIT REPORT # XXXX. MY PROOF IS A COPY OF DEED FROM XXXX COUNTY COURT HOUSE, MY NAME IS NO WHERE ON THIS DOCUMENT.
Consumer complaint received 2022-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

XXXX XXXX XXXX has violated my FCRA rights. This issue was fixed recently and it reappeared on my credit file. This appears on my Equifax and XXXX credit profile. It has inaccuracies stating that I made payment on XX/XX/2021, when I never made payment this is on Equifax. XXXX states I never made.
Consumer complaint received 2024-01-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (NJ)

My Information was sold and bought illegally because i was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that i was in fact a victim of this data breach and Equifax has done nothing.
Consumer complaint received 2022-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

My credit score on XX/XX/2022 was XXXX. 
My credit score currently has been dropped by XXXX points to XXXX. 
Nothing material has changed on my credit report to cause this action. 
For example, due to COVID-19, all loans in forbearance, deferred to the end of the loan upon exiting forbearance, resuming regular payments, with all payments continuing to be current, under the CARES act should not cause this action as informed to me by the banks. 
I have asked the company to restore my credit score back to XXXX. 
This is yet to be done.