davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-20
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: DISCOVER BANK (FL)

FOR 7 years Discover has placed an unverified and invalidated charge off account on my credit report & is in violation of Federal Law. The damage has been done to my credit report and it is time for it to come off according to the statues of limitations. PLEASE REMOVE THIS CHARGE OFF ACCOUNT from my credit report because it has caused financial and emotional duress to me and family. Discover is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of discovers first investigation and subsequent reinvestigation, discover stated in writing that they verified that this charge off account is being reported correctly? Who verified these accounts? Discover has NOT provided me a copy of ANY original documentation ( a consumer contract with my SIGNATURE on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, DISCOVER has failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).  Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. .. I HAVE NO CONTRACT AND NO CONTRACTUAL OBLIGATIONS TO DISCOVER OR ANY OF THESE NEGATIVE ACCOUNTS! DISCOVER HAS NO PROOF THAT I OWE THEM MONEY AND MUST REMOVE THIS CHARGE OFF/COLLECTION FROM MY CREDIT REPORT IMMEDIATELY AND PERMANENTLY. The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following account FROM DISCOVER BE REMOVED! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2019-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX. My credit card balances are incorrect for 2 months. I contacted XXXX XX/XX/XXXX. Customer service representative said it was the credit card responsibility to provide the information. The credit Card company, XXXX said it's XXXX, TransUnion and XXXX responsbility. My credit is down to 30 % from 95 %, but still shows 95 %. I want to lease a car, but can not with my terrible credit score. 
TransUnion. I tried to speak to someone to make corrections, but got disconnected. Also on XX/XX/XXXX.
Consumer complaint received 2018-06-12
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Thaxton Investment Corporation (TX)

Due to my financial situation and being on XXXX I took out a loan thinking that I would able to pay it back, but due to the amount of accumulated interest rates and other fees, I'm unable to do anything about it. 

I have contacted this company ( XXXX XXXX ) on numerous occasions and have requested that they not call me, but they continue to do on a regular basis.

One day last week, they contacted me and just as I hung up the phone, they called right back again.
Consumer complaint received 2020-05-09
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: EQUIFAX, INC. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-07-13
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. (NV)

These are not my accounts. There are addresses and names listed that I do not know or don't pertain to me. Additionally, there are companies that had pulled my credit in which I did not authorize. Please remove them from my credit profile.
Consumer complaint received 2020-05-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CO)

I ordered a pair of pants online on XXXX XXXX2020 from an online fashion account on XXXX  (XXXX ). I sent him a Paypal payment of XXXX CAD. He claimed that the production of the pants would only take a week or two and that shipping to XXXX would only take 2 weeks at most. I messaged " XXXX '' multiple times over the course of a month asking him for updates on shipping and begging for tracking numbers. Sometimes he would respond and say he would get it done later that week but eventually he would not respond to me for days and then try to tell me he would get it done next week. Its been over a month and he has yet to send me a tracking number or even a picture of the pair of pants that I ordered. Really frustrated with this guy and I'm sick of him playing these games with me and always pushing back these dates. Last time I got a message from him was Thursday after he promised to send out my package on Wednesday .... would be happy to provide screenshots of messages between me and him.
Consumer complaint received 2020-07-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

I received a letter, dated XX/XX/XXXX, from Citibank indicating that I had exceeded the transaction limit for the statement cycle and which references a Federal regulation. On XX/XX/XXXX I called and left a voicemail with the Executive Response Unit, but never received a callback. On XX/XX/XXXX, I sent an email requesting for someone to contact me regarding the letter, but have not yet gotten a response. The reason I wanted to speak with someone was to inquire whether it is Citibank 's internal policy to restrict transactions on my savings account since I am aware that the 6 transfer limit on savings accounts was lifted as of XX/XX/XXXX and is no longer a Federal requirement.
Consumer complaint received 2020-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-13
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. (GA)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX  Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-12
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (DE)

In XXXX of 2021, the consumer applied to creditor Citibank , N.A . ( through XXXX XXXX XXXX ) to obtain a line of credit/extension of credit. On XX/XX/2021, Citibank , N.A . denied the consumer 's application for credit extension. The consumer applied for credit with the creditor in an effort to afford service needed for a XXXX XXXX in which the consumer currently provides payment on a loan for.
Consumer complaint received 2021-02-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: WESTERN UNION COMPANY, THE (WA)

On XX/XX/21 I was sending {$100.00} to XXXX using Western Union. And one of the choices to pay for it was by credit card for a fee of {$2.00} and there was no warning of any other fees or interest associated with the transaction. So sent the money over, but my credit card XXXX XXXX  charged me for the transaction additional {$10.00} ( {$10.00} for cash advanced fee and {$.00} for interest in it ). Even a transaction type they said it " Purchase '' per attached document, not " Cash advanced. It is misleading. I contacted the bank and Western Union to waive the fee because they did not state or informed me that there will be one, but they refused to refund it. Please help me to get {$10.00} back. Thank you
Consumer complaint received 2018-02-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC (TX)

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against Security Credit Service. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long.
Consumer complaint received 2019-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NY)

When I received myXX/XX/2019 statement, the due date for my next payment was delineated as XX/XX/2019. I paid the minimum balance of {$65.00} on XX/XX/2019. This payment is evidenced on my XX/XX/2019 Best Buy Credit Services statement. Strangely, Best Buy Credit Services imposed a {$27.00} late fee on my XX/XX/2019 statement. I did message Best Buy Credit Services on XX/XX/2019 to ask that my {$65.00} payment be appropriately applied to a specific promotional balance so as to avoid excess fees. On XX/XX/2019, the customer service representative messaged me back and stated that Best Buy Credit Services made the adjustment as requested. Without explanation, Best Buy Credit Services appears to have printed three ( 3 ) transactions taking place on XX/XX/2019 instead of the one ( 1 ) for my " online payment '' from my checking account. I checked with my bank and Best Buy Credit Services never returned the {$65.00} to my checking account, therefore the payment was paid by me to Best Buy Credit Services on-time and a late fee of {$27.00} should not have been imposed. I called Best Buy Credit Services on XX/XX/2019 and after a review by the customer service representative, I was told that it was Best Buy Credit Services ' mistake and that it would be taken care of. When I called today ( XX/XX/19 ), I was told that my account was sent to the internal collection 's department. The disputed {$27.00} late fee continues to appear on my account.I am concerned that I may lose the benefit of all my promotional purchases due to Best Buy Credit Services ' error as the promotions require timely payment. In addition, I fear Best Buy Credit Services may report my account more than 30 days overdue to the three ( 3 ) credit reporting agencies.
Consumer complaint received 2024-03-23
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Atlanticus Services Corporation (TX)

Subject : Complaint Against Fortiva Regarding Unauthorized Reopening of Account Dear Federal Trade Commission, I am writing to file a formal complaint against Fortiva, regarding their unauthorized reopening of my account despite explicit instructions to close it. On XXXX, I contacted Fortiva to request the closure of my account due to fraudulent opening up a credit card in my name without my knowledge. The representative assured me that the account would be closed promptly, and I received verbal confirmation of the closure during the call. Additionally, I followed up with written instructions via email as per their requirements. 

To my dismay, I received an email notification from Fortiva on XXXX, indicating that my account had been reopened. This action was taken without my consent or authorization. Disturbed by this development, I immediately contacted Fortiva again to address the matter. During this subsequent call, I reiterated my request for the closure of the account and expressed my dissatisfaction with their disregard for my initial instructions. 

Furthermore, I possess recordings of both phone conversations as evidence of my communication with Fortiva representatives. These recordings clearly demonstrate my explicit instruction to close the account and the acknowledgment from their representatives. 

The unauthorized reopening of my account by Fortiva not only violates my explicit instructions but also raises serious concerns about their adherence to consumer protection regulations. This incident has caused inconvenience, frustration, and potential security risks as my personal information remains accessible through an account that I explicitly wished to terminate. 

I urge the Federal Trade Commission to investigate this matter thoroughly and take appropriate action against Fortiva for their negligent and potentially unlawful actions. Additionally, I request assistance in ensuring the permanent closure of my account with Fortiva to prevent any further unauthorized access or actions. 

Thank you for your attention to this matter. I am willing to provide any additional information or documentation necessary for your investigation. 

Sincerly, XXXX XXXX
Consumer complaint received 2021-02-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC (WI)

We paid our mortgage in full as of XX/XX/20 We still have not received any paperwork of the lein release or deed etc.. 
Loancare XX/XX/XXXX sent payoff statement as of XX/XX/20 showing {$0.00} balance Here 's the issue. 1. Their only phone number listed XXXX only gives you balances and NO option to speak with a person. 2. Their websites contact us does not allow you to contact them, no e-mail no nothing! The only thing I was able to find is this sites info ( I'm on now ) ( probably because it's a law ) I we can not contact them how do we find out where our documents are????
Consumer complaint received 2020-10-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: LendingUSA (CA)

I originally had t

o take out two loans from a lender called LENDING USA. One was to help cover funeral expenses and the other was medical. - BOTH OF THESE LOANS WERE PAID IN FULL But because of  tragedy ; death, XXXX XXXX, theft and vandalism to my personal property important personal documents were lost. I was almost hospitalized for a XXXX XXXX. 
In XXXX the attorneys handling the XXXX fire asked me to review ALL costs that may have associated with the fire. And in doing this exercise with my two banks ( XXXX and XXXX XXXX XXXX XXXX ) it was discovered that there were some strange charges on my accounts. 
1. They read as " PRIVATE PAYMENT '' 2. Both banks launched an investigation 3. They both came up with this information : XXXX XXXX. XXXX ( XXXX ) 4. I had NEVER heard of or done business with this bank 5. The phone number lead to a nursing home 6. Both XXXX and the Credit union exhausted their search to deem this charges as correct and declared them fraudulent 7. These two banks retracted the funds A few months ago I started getting collection  letters from a company called XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX, MN XXXX, ( XXXX ). And since then the harassment has begun. 
Realizing what had happened in all of the tragedy and despair I was dealing with, not to mention the hardships brought on by the pandemic, I reached out to LENDING USA. Initially, I couldn't get a hold of anyone. Then I was placed on hold for hours at a time. When I finally spoke to someone they referred me to the head of Collections  named XXXX ( XXXX ). 
Unfortunately, this call went wrong very fast. Already ill and hurt by what I've gone through, I tried to explain to him what had happened. He proceeded to chastise me about " why didn't I call them if I was falling behind, '' and I said BECAUSE I WASN'T BEHIND -- THESE TWO NOTES WERE PAID OFF! But he was ignoring that fact. He kept using threats of recording our conversation ... all in all we got  absolutely nowhere except to reduce me to tears. This XXXX XXXX said he would ask his boss about retracting the loans from XXXX XXXX. He called me a few days later and said his boss told him not to. 
You at the CFPB really have no idea of the kind of abuse companies like this put people through. Why did LENDING USA submit for payment something called " private payment? '' And to top that off it was untraceable! 
This whole thing could have been resolved when I spoke to XXXX, but he preferred to speak to me like a second class citizen, accuse me, and incite tears.
Consumer complaint received 2021-02-26
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

I have had a mortgage with XXXX XXXX XXXX since XXXX. The payment was linked to my XXXX XXXX XXXX checking account. I refinanced the mortgage in early XXXX. The payment ( approx. {$7600.00} ) was again linked to my XXXX XXXX XXXX  checking account. In XX/XX/XXXX, the escrow payment was approximately {$100.00} more than the estimated amount. As a result, the next monthly payment ( approx. {$7700.00} ) was slightly higher than the monthly mortgage payment set at the time of refinance ( approx. {$7600.00} ). Instead of informing me of the issue, XXXX XXXX XXXX stopped applying the automatic monthly payments to the mortgage resulting in late fees and the mortgage being reported as delinquent. Only when it turned 30 day delinquent, the bank decided to send me a letter. Immediately I called the bank and tried to address the issue. Realizing what had happened, they did reverse part of the late fees and applied the funds sitting in a suspense account to the mortgage to bring it current. For that to happen, I had to make a payment of approx. {$560.00}. They also mentioned that they will clear the issue with the credit reporting agencies. A few days later, I disputed the delinquent account after I saw a significant drop in my credit score ( one was more than XXXX points ). One of the agencies, Experian, reported that there would be no change as XXXX XXXX XXXX  stands by the information they passed to Experian. In this day and age, it's shocking that a Bank with whom I have been banking since XXXX would not bother to call/text/email its customer as the issue arose but would wait for the account to become delinquent to send a letter.
Consumer complaint received 2024-03-23
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: U.S. BANCORP (NE)

I took a XXXX loan from USBank and feel like I am getting seriously jacked around. I have tried to be reasonable with USBank but they think they don't even need to communicate with me. I have to talk with XXXX XXXX from USBank to get my money back from XXXX XXXX and XXXX which totaled around XXXX dollars. I thought we were getting on track but apparently not. XXXX months later my balance was at XXXX. XXXX charged XXXX interest, XXXX charged XXXX in interest, XXXX charged XXXX in interest. I have already sent XXXX payment and can imagine will be along same line. Balance has been the same at XXXX the whole time. My payments are XXXX every month. I feel like I am not dealing with a national bank but rather a high interest loan shark with the XXXX. I know this is not correct but USBank won't even talk with me about. Can I get some help?
Consumer complaint received 2021-09-01
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: CITIBANK, N.A. (AZ)

Billing Error according to the Fair Credit Billing Act ( FCBA ) Charges for goods and services you didnt accept or that werent delivered as agreed. 
In my case, XXXX, did not provide the services that were stated in the contract between XXXX and my company. 


I utilized Citibanks online dispute process on XX/XX/2019. According to the Fair Credit Billing Act ( FCBA ) the creditor must acknowledge my complaint, in writing, within 30 days after receiving it ( the dispute ), unless the problem has been resolved. Citibank acknowledged in an email, on XX/XX/2019, which was 31 days later. 

According to Fair Credit Billing Act ( FCBA ), the creditor, Citibank must resolve the dispute within two billing cycles ( but not more than 90 days ) after getting my dispute letter. 90 days from XX/XX/2019 was XX/XX/2019. Citibank told me, they mailed the merchant, XXXX on XX/XX/2019, 38 days passed their 90 days of resolving this dispute. 

XX/XX/2019 is the date XXXX charged me, {$15000.00} for services for a retainer. Services that were stated in a contract and never received. I paid the full {$15000.00} charge on, therefore there were no finance charges. 

According to the Fair Credit Billing Act ( FCBA ), the creditor, Citibank may not take any legal or other action to collect the disputed amount and related charges during the investigation. Citibank did credit the {$15000.00} to me on XX/XX/2019, but then reversed the credit on XX/XX/2019, while the investigation was still going. Through many emails between me and Citibank, Citibank credited me the {$15000.00} on XX/XX/2019, but then reversed the {$15000.00} on XX/XX/2019. The investigation was still on going, but Citibank held on to the {$15000.00} while they were investigating. 

According to the Fair Credit Billing Act ( FCBA ), if the creditor, Citibank investigation determines the bill is correct, you must be told promptly and in writing how much you owe and why. This never happened. 

According to the Fair Credit Billing Act ( FCBA ) and creditor, Citibank who fails to follow the settlement procedure may not collect the amount in dispute. Citibank, as I stated above did hold on to the {$15000.00} while they were investigating.

Since Citibank has not followed Billing Error according to the Fair Credit Billing Act ( FCBA ) I would like Citibank to reimburse me the {$15000.00} that should have been refunded to me. Citibank, never closed this investigation as far as I know, they just erased it from the records.