davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-12
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: U.S. BANCORP (TX)

On XX/XX/2022 I, a consumer and natural person, was denied credit by U.S. Bank when I applied for Application Number XXXX. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is subject to civil liability under 15 U.S.C 1692k. You are subject to criminal liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by U.S. Bank due to the response I received. U.S. Bank is in violation of 15 U.S.C 1642, U.S.C 1681m and 12 CFR 1002 because I the consumer made an application in good faith, but credit WAS NOT issued. Also my social security number ( credit card ) was used and I received NO benefit. This constitutes fraudulent activity ( unauthorized use of credit card ) on behalf of U.S. Bank according to law.
Consumer complaint received 2019-11-09
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: Experian Information Solutions Inc. (FL)

Unauthorized Inquiries 1XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX 2.XXXX XXXX  XXXX. 
Inquiry date : XX/XX/XXXX 3.XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX 4.XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX 5.XXXXXXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX 6.XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX 7XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX 8.XXXXXXXX XXXX XXXX   Inquiry date : XX/XX/XXXX 9.XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX 11.XXXXXXXX Inquiry date : XX/XX/XXXX 12.XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX 13.XXXX XXXX Inquiry date : XX/XX/XXXX 14.XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX 15.XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX 16.XXXX XXXX XXXX   XXXX Inquiry date : XX/XX/XXXX 17.XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX 18.XXXX XXXX XXXX   XXXX Inquiry date : XX/XX/XXXX 19.XXXX XXXX XXXX Inquiry date : XX/XX/XXXX 20.XXXX XXXX XXXX XXXX 
Inquiry date : XX/XX/XXXX 21.XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX
Consumer complaint received 2020-11-28
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. (TX)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.
Consumer complaint received 2019-11-09
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. (IL)

On XX/XX/2019, I purchased a used truck from my local dealership. I requested my credit information be pulled by my bank as I already had loans through them before. The dealership sent my information off to two other banks that I did not give authorization for. I would like these removed from my credit reports XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX, IL XXXX Also, on XX/XX/2019, i was a co-signer for a car loan. The dealership said they would only send my application to two banks as i stressed I did not want my credit report hit multiple times and drop my score. They told me this was no problem. I then got 6 alerts on my phone that an hard inquiry was made and went on my credit report. I asked the dealership why they did this cause I did not give the okay to send my information out to 6 banks for a car loan. I would like these removed as well The inquires are as follows : XXXX XXXX, TX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2019-11-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (OR)

I received a debt collection letter via mail from Jefferson Capital Systems , LLC on XX/XX/2019 claiming that I owe {$400.00} from XXXX XXXX XXXX. I responded to Jefferson Capital Systems , LLC on XX/XX/2019 disputing the debt and requesting proper validation, such as the original instrument of indebtedness. Tracking via USPS certified mail confirms that Jefferson Capital Systems , LLC received my letter requesting validation on XX/XX/2019 at XXXX XXXX, but Jefferson Capital Systems , LLC did not respond. I sent Jefferson Capital Systems , LLC a follow up letter on XX/XX/2019 with USPS certified mail tracking in regards to not responding to my validation letter, as well as an FDCPA reminder for false reporting. Jefferson Capital Systems , LLC failed to respond. I sent another letter to Jefferson Capital Systems , LLC on XX/XX/2019 in regards to not responding nor sending me proper validation of this debt. Furthermore, I am requesting that ALL information pertaining to Jefferson Capital Systems , LLC and XXXX XXXX XXXXXXXX  be removed from ALL credit reporting agencies. I have maintained all proper records and documentation, which has been included in this complaint.
Consumer complaint received 2020-05-27
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (NY)

I opened a home depot cc on XX/XX/XXXX. It is issued by Citibank. I used the card until XX/XX/XXXX, when citibank issued a fraud alert and blocked the card from all use. I got the card for a home improvement project. Since then I have called 6-7 times in order to resolve this issue, they tell me they are unable to verify the information. I have offered to fax info to verify my identity. So now I do not have access to my account and i am receiving no help from the bank.
Consumer complaint received 2017-09-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Information Bureau, Inc. (FL)

While reviewing my credit report, I noticed one account ( only on XXXX ) indicated in collections. The company is : DOCTORS BUSINESS BUREAU. I completed an on-line search and located this company in XXXX XXXX, FL. I have called the listed numbers on the website of this company numerous times and contact has been unsuccessful to date. This is indicating date opened : XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ). To date, I have not received any notices and this collection is only showing on XXXX and not XXXX.
Consumer complaint received 2021-09-19
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: Experian Information Solutions Inc. (IL)

I HAVE HAD XXXX XXXX  FOR YEARS WITH NO MISSED PAYMENTS OR ISSUES UP UNTIL THE PANDEMIC. AFTER MY CREDIT LIMIT WAS LOWERED WITHOUT ANY CORRESPONDENCE OR NOTIFICATION, I AGREED TO UTILIZE THE HARDSHIP OPTION FOR MY ACCOUNT. IN XX/XX/2021 I WAS MARKED LATE & I CONTACTED XXXX XXXX IMMEDIATELY. I MADE THE REPRESENTATIVE AWARE THAT I HAD BEEN SICK & ALSO LAID OFF WORK DUE TO COVID. I ALSO WENT ON TO CONVEY THAT I WAS UNDER THE IMPRESSION THAT MY ACCOUNT WAS STILL UNDER A HARDSHIP AGREEMENT. EACH OF THE REPRESENTATIVES I SPOKE TO SAID THAT THERE WAS NOTHING THEY COULD DO. I HAVE A BUSINESS ACCOUNT, CREDIT CARD ACCOUNT & PERSONAL ACCOUNTS WITH XXXX XXXX & THE LACK OF EMPATHY & CONSIDERATION FOR CUSTOMERS DURING THESE UNPRECEDENTED TIMES IS NO LESS THAN A HEINOUS ACT. I AM TRUSTING THAT THIS MATTER BE ADDRESSED & CORRECTED. IF NOT I WILL BE FORCED TO CLOSE ALL OF MY ACCOUNTS ( BUSINESS & PERSONAL ) AS I REFUSE TO CONTINUE TO DO BUSINESS WITH A COMPANY THAT IS UNETHICAL
Consumer complaint received 2020-11-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (NY)

My monthly due date of Discover Credit Card is XXXX. I MANUALLY made a full payment of XXXX statement which was {$470.00} from my XXXXXX/XX/XXXX checking account on XX/XX/2020, however, Discovers system made an autopay on my XXXX XX/XX/XXXX checking account for full payment of my bill. It means therere 2 full payments for my XXXX statement, and I found both of their status were POSTED on XX/XX/2020. So I called Discovers hotline immediately and told their agent I only wanted to make one payment. They canceled one of those 2 full payments for me. I thought it was done for this case, until I found there was one more autopay from Discover with same amount for my statement was made on my XXXX XX/XX/XXXX checking account on XX/XX/2020. Then I called Discover immediately again, and asked whats going on. They told me their system found their first AUTO DEBIT from my account was unsuccessful, so this was systems second try automatically. But Ive fully paid my statement on XXXX. I dont know which payment you manually canceled one of them for me on XXXX, but now, my statement was fully paid. Before you system automatically debit for your second try, wouldnt your system check if the bill had been paid? Theres no public holidays or weekend during this period, your second debit was made after I had paid my bill 2 business days ago. Now, your second time debit made me have overdraw fee at XXXXXX/XX/XXXX which costs {$35.00}. Ive talked to XXXX XX/XX/XXXX but they wouldnt waive this fee for me. I called Discovers hotline and told an agent the whole story, she told me Discover wouldnt refund rewards which equals to {$35.00} to me. This is Discover systems bug, however, they need me to pay for their bug. I asked her extension or name, she rejected to provide any reference information to me.
Consumer complaint received 2019-11-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: World Acceptance Corporation (GA)

On XX/XX/2019 I obtained a loan from a company called World Finance, located at XXXX XXXX XXXX, XXXX Ga, XXXX. The loan that I received and requested and was also issued a check for was in the amount of {$1200.00}. The transaction was handled in the late evening after a long day of work and upon arrival the office was closing in 10 minutes. The owner of the branch whose name is XXXX, sat down with me and went over my loan paperwork and had me sign. I was clearly aware of the high APR and was also advised that there was no prepayment penalty, later that evening I did a mobile deposit and deposited the check into my bank account. The next day I realized that I no longer wanted this loan and could probably get a better rate elsewhere and made a decision to cancel. I contacted World Finance on XX/XX/2019 at that time I again spoke with XXXX and advised him that I still had the funds and would like to return in full and cancel my loan. He advised me that because I deposited it, I would be unable to do so and would need to pay in full the amount of {$1400.00}. I was shocked as it had not even been a full 72 hours and that for two days I would have to pay almost {$210.00} additional plus what I had borrowed. I realized then that something was not right and that may have been taken advantage of, in my time of need. To avoid any additional fees/fines/interest I went ahead and paid what XXXX had advised me to pay in order to cover the loan. I am fully aware that I signed a contract with an interest rate that is extremely high and abnormal. My concern however is that the additional {$210.00} I had to pay to cover my loan and that I had only had for 3 days was quite excessive and again abnormal. Per the FTC, I was advised to file a complaint with the CFPB. I am really hoping that someone will take a look into this. If it happened to me I am sure it has happened to so many others. I blame myself for putting myself in a situation where I would have to pay back a loan double than what I received what I didn't realize is the fees associated with it, that would be assessed within just 3 days of having the loan. This has to be illegal. Attached you will see all my loan documents, the check that was issued to me and the confirmation of the amount that was paid to world Finance by me. Thank you for your help.
Consumer complaint received 2023-01-12
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. (CA)

On XX/XX/2020, an XXXX account was opened due to " Identity Theft ''. This account does not belong to me. This account is now showing on my credit report as " Paid and Closed ''.
Consumer complaint received 2021-09-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (PA)

My mortgage servicer is Fay Servicing. I was recently made aware that my mortgage payment was behind 1 month. I did not know how or why the mortgage was 1 month behind because I have been signed up for electronic biweekly payments since Fay took over my mortgage from XXXX a few years. In the beginning of XX/XX/XXXX I received a letter from Fay stating that my electronic biweekly payments were being canceled. The notice did not state a specific reason as to why they were canceling the payments. I called the mortgage company and could not be provided with a reason for the cancellation and was told that it would be investigated. To date I have not received a letter or any other communication with the reason for cancellation. Also, because of the mysterious missed mortgage payment, I submitted an application for loss mitigation. On XX/XX/XXXX I received a letter stating that my application was received and in that letter it stated that they could not send the first notice of foreclosure since they received the loss mitigation application. On XX/XX/XXXX I received an ACT 91 notice and a letter from the mortgage company about the missed payments yet their letter of XX/XX/XXXX clearly states that they could not send the first notice for foreclosure. Also one of the main reasons why I signed up for electronic payments is because I do not own or write personal checks. Because the electronic payments were canceled by Fay, the payments are 2 months behind. Also my preferred method of communication that was selected in my profile on Fays website is email yet I never receive any email communications except for statements. This company is by far the worst company Ive ever had to deal with. I would suggest to anyone looking for a home loan to avoid Fay Servicing at all costs. The experience has been nothing short of a nightmare.
Consumer complaint received 2021-04-01
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: APEX Asset Management, LLC (PA)

I'm asking for them to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally * Signed HIPAA form This is a form of HIPAA violation. 
If they are saying it is verified then where's my proof? What methods are you using to verify?
Consumer complaint received 2019-11-09
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. (FL)

THE DISPUTED ACCOUNT IS AN ACCOUNT THAT HAS BEEN PAID IN FULL AND IT IS REPORTING AS A DEROGATORY ON MY CREDIT FILE. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT FILE BECAUSE IT HAS BEEN CAUSING TREMENDOUS DAMAGE TO MY NAME AND CREDIT FILE. THE ACCOUNT INFO IS XXXX XXXX FOR {$78.00}. ATTACHED WILL BE THE PROOF OF PAYMENT.
Consumer complaint received 2019-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

THE DISPUTED ACCOUNT IS AN ACCOUNT THAT HAS BEEN PAID IN FULL AND IT IS REPORTING AS A DEROGATORY ON MY CREDIT FILE. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT FILE BECAUSE IT HAS BEEN CAUSING TREMENDOUS DAMAGE TO MY NAME AND CREDIT FILE. THE ACCOUNT INFO IS XXXX XXXX FOR {$78.00}. ATTACHED WILL BE THE PROOF OF PAYMENT.
Consumer complaint received 2019-11-09
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. (FL)

THE DISPUTED ACCOUNT IS AN ACCOUNT THAT HAS BEEN PAID IN FULL AND IT IS REPORTING AS A DEROGATORY ON MY CREDIT FILE. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT FILE BECAUSE IT HAS BEEN CAUSING TREMENDOUS DAMAGE TO MY NAME AND CREDIT FILE. THE ACCOUNT INFO IS XXXX XXXX FOR {$78.00}. ATTACHED WILL BE THE PROOF OF PAYMENT.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Im submitting to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any accounts listed on an ID theft report. find the required documents to assist in the blocking of the erroneous information which are being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$11000.00} XXXX XXXX Balance : {$770.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-09
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. (FL)

THE ACCOUNTS DISPUTED DOES NOT BELONG TO ME, I'VE HAD FRAUD COMMITTED UNDER MY NAME IN THE PAST AND I AM NOT LIABLE THOSE ACCOUNTS BEING DISPUTED. PLEASE REINVESTIGATE AND HAVE THOSE ACCOUNTS OFF MY CREDIT REPORT AS SOON AS POSSIBLE. IT HAS BEEN REALLY HARD TRYING TO ACQUIRE NEW CREDIT WITH DEROGATORIES ON MY ACCOUNT. KEEP IN MIND THAT THOSE ACCOUNT I DID NOT AUTHORIZED UNDER MY NAME AND IT IS A CRIME FOR SOMEONE TO HAVE ACCESS TO MY PERSONAL INFORMATION WITHOUT MY KNOWLEDGE.
Consumer complaint received 2021-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (TX)

On XX/XX/XXXX I was charged {$220.00} and {$180.00} by a company called XXXX transaction # XXXX and XXXX I called and was able to dispute the charges when I never received product. On XX/XX/XXXX I received a credit for the {$180.00} and XX/XX/XXXX a credit for the {$220.00}. Then on XX/XX/XXXX the {$220.00} was rebilled to my card. I received no explanation. I called and was told they would reopen dispute so I paid my balance in full except for that amount. The next statement I received still showed that amount in the balance plus {$10.00} charged on XX/XX/XXXX interest because I did not pay the disputed amount. When I received this statement I called them again on XX/XX/XXXX after speaking with XXXX he transferred me to XXXX to XXXX to XXXX who got XXXX on the phone. XXXX was a customer service supervisor. Was told no way to speak with disputes dept. even they could only contact that dept by message. XXXX agreed to reopen dispute and credit the {$10.00} interest. He said pay {$370.00} to pay in full. After 2 hours and 12 min. I thought it was done. NOT. Received my statement today and {$14.00} interest was charged on XX/XX/XXXX. I called again today and after 45 minutes I was told by XXXX there was nothing she could do. I never received anything form this vendor and will not pay. This product is sold with a 100 % money back guarantee I could return empty bottles for a full refund if I had received it. Please help me resolve this issue.
Consumer complaint received 2017-12-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

I did a transfer of XXXX litecoins valued at approx {$250.00} each from XXXX to XXXX. The transfer process is noted in my account as pending. It usually only takes an hour. Its now 24 hours and still says pending. No one has responded to my emails asking for an update and why taking so long.
Consumer complaint received 2021-09-19
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: EQUIFAX, INC. (CA)

Inconsistencies with the items posted on my credit report. 1 or more credit reporting companies did not fully or completely remove the collection off my credit report. Credit reporting agencies were not able to provide proof of applications for any or all accounts.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I value your help in removing a portion of the data in my credit file that came about because of a FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Coradius International LLC (FL)

Hello the American Coradius International sent me a letter stating that I owe XXXX usd to XXXX for a account that I have never used before. I called them to try and dispute the claim but I was told that their is nothing I could do about it besides pay the fee. Please help I did not do nothing wrong and do not have the funds to pay for this when it was not my fault. The letter has my name and address on it as well. I have done research and have heard of many people getting scammed after receiving these kinds of letters.