davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (WA)

National Credit Adjusters LLC claim I owe them a debt acct # XXXX for {$460.00}, and acct # XXXX for {$250.00}. I sent them a letter on XX/XX/2021. XXXX XXXX responded on XX/XX/2021 with a statement reference number basically just saying I owe them like a receipt of the account that they keep in house. All available documentation would be mailed to me within 90 days. As I told her 90 days doesn't suffice, whoever you're collecting for I should be able to get proof of this accounts. Since they verified it with the credit bureau it should be very simple for you to send me that same documentation. Unless they are not being honest with the credit bureau, which I know that's the case, and just validating accounts without any proof. Seems like a violation to me.
Consumer complaint received 2017-07-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

On XX/XX/XXXX we deposit XXXX for a total of XXXX. Then on the same date bank of America processed a check for XXXX and XXXX. Then we deposited XXXX more on XX/XX/XXXX and then had 3x XXXX fees for XXXX  XXXX XXXX, and autopay that went through as all debits are processed because credits even if applied on the same date. We asked if they could reverse the fees and they refused. Paychecks get held for three days before they are available. XX/XX/XXXX our XXXX XXXX  automatic payment was deducted on the same day my check was supposed to be direct deposited but it did n't go through, so on the XX/XX/XXXXwe made a deposit of XXXX to cover the insurance and the fee. Which leaves us penny less because of fees. Our van also broke down.
Consumer complaint received 2017-09-29
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP (AZ)

I closed on the house I currently reside in with assistance by US Bank and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX of XXXX. I was not informed that property taxes would not be included in the mortgage payment. I was notified by the State of AZ county assessor office of taxes owed on the house in XXXX XXXX. I believe this was unjust and now I am having difficulties paying the property taxes every year. If I had been informed that property taxed would not be included, I would have processed the purchasing the house a little more.
Consumer complaint received 2024-09-20
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. (AZ)

I have provided Experian with proof and documentation that fraudulent accounts are the results of a identify theft case that I submitted to Experian XX/XX/year> and accounts are still not removed from my credit profile and well over 30 days. I am going to sue this agency for damages as this, as well as the other lending companies reporting inaccurate information. I have flied FTC complaints, submitted police reports, and provided credit reports from both XXXX and XXXX. I will give XXXX hours to rectify this and remove fraudulent accounts or I will be forced to take legal action. Accounts to be resolved and removed DEPT OF EDUCATIONXXXX XXXX XXXX. 
DEPT OF EDUCATIONXXXX XXXX XXXX. 
DEPT OF EDUCATIONXXXX XXXX XXXX. 
DEPT OF EDUCATIONXXXX XXXX XXXX. 
XXXX XXXX XXXX
Consumer complaint received 2017-09-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KS)

Hello, I am being sued by Portfolio Recovery on an Timed Barred debt. The last activity ( payment ) on this item was in XXXX XXXX. There have been no payments, offers to pay, no conversation what soever with Portfolio about this item until the pretrial occurred with a representative Portfolio hired. 
The collections automatically dropped from my credit reports in XXXX or XXXX per the Federal reporting of 7.5 years. The other situation is this was my daughters account and I was an authorized user but the original card issuer ( XXXX ) had my name listed as the account holder. 
I have already had the pretrial and the court date for trial is XXXX XXXX, XXXX
Consumer complaint received 2017-12-26
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: LJ Ross Associates (CA)

Im asking this institution to do an investigation to this LJ ross, for sending me the letter which I never knew, that I owed them, this is fraud and un fair to a consumer like me, because I never late in my dues, I know that you are helping a lot of clients, and I never had a problem with my credit, my XXXX XXXX went up, when I never knew that I owed this company. 

Hoping for your kind consideration to this matter, Respectfully yours XXXX XXXX XXXX female
Consumer complaint received 2021-09-07
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. (CA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no 3rd party involved. I have XXXX, XXXX, and Equifax violating me under the FCRA. 
The first violation is under 15 USC 1681b Permissible purposes of consumer reports. Here you can see that under that statute any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I NEVER GAVE THEM ANY WRITTEN INSTRUCTION TO REPORT ANYTHING ON MY CONSUMER REPORT.

The second is 15 USC 1681a ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. EVERY ACCOUNT ON MY REPORT IS AN EXTENSION OF CREDIT.
Consumer complaint received 2017-09-30
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings (NJ)

On the XXXX XXXX XXXX of this year, I entered into a payday loan with Speedy Cash for {$860.00}. I have made four payments to date, totaling {$470.00}. Today, I called Speedy Cash to find out my pay off balance. While on the phone with the customer service representative, it was discovered that my loan is an illegal loan, because I am a resident of New Jersey. Speedy Cash by law can not do business in the state of New Jersey due to their loan practices. They then proceeded to say that I fraudulently applied for the loan, and this is absolutely untrue. During the application process, you must provide your drivers licence information. I provided my correct driver 's license information with my current address in the state of New Jersey. They continue to suggest that I was fraudulent in my application. Again, this is untrue. I am requesting your assistance with respect to the resolution of this illegal loan. I offered to pay the original balance minus the payments I already mafe ; however, they denied the offer, please help.
Consumer complaint received 2023-01-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-12-26
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)

i recently found 7 accounts are not belong to me and was fraudulent listed on my credit reports with XXXX, TRANSUNION & XXXX the accounts listed as : ( ( 1- ) ) Account Name : XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX ( ( 2- ) ) Account Name : XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX ( ( 3- ) ) Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX ( ( 4- ) ) Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX ( ( 5- ) ) Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX ( ( 6- ) ) Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX ( ( 7- ) ) Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX
Consumer complaint received 2017-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NC)

I have called XXXX XXXX on multiple occasions about a ridiculous 23.9 % interest rate. I have had a steady income increase and credit increase but every time I ask about an interest rate reduction I 'm told they 're not doing them at this time ( this has been over a two year period. ) They allowed me to get this card when I had barely any credit or income and locked me into a fee that refuses to change even after years. When I call and ask questions, I 've been lied to by representatives telling me I have to have an 800 credit score to get a reduction and another representative hung up on me. This bank needs to be investigated and needs to make some changes. Beyond preying on people through Walmart, they have untrained representatives. Please do not ever get involved with this bank even if you 're down and out. They 're no better than a payday loan. I am saving money to pay them off and closing the account no matter how much it hurts my credit.
Consumer complaint received 2017-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NJ)

I cancelled my American Express Card ( account XXXX ) but the company refused the credit the annual fee back, hence I could not close the account. Every month, for the last XXXX months, I am charged a late fee of {$35.00}, which has increased the outstanding on the card to {$160.00} ( annual fee plus month charges ). I called up XXXX multiple times, but they have refused to credit back the monthly and annual fees. Since the payment is outstanding for XXXX month, they will be sending it for collection.
Consumer complaint received 2017-12-26
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. (TX)

The three ( 3 ) major Credit Reporting Companies claimed that the reason ( s ) why my Credit Score was low is " due to the length of times that open accounts have been active and the number of times lenders accessed your Credit report because you applied for Credit or for a Loan ''. This can not be correct or the complete reason for the low Credit Score. I have had open accounts for more than 24 months without ever making a late payment without just cause and regarding the amount of Credit Inquiries once I share my Social Security Number with a company I have no control over the amount of times they request my Credit History information for whatever reason ( s ) or who they share the Social Security Number with. The Credit Score should be based on the number of accounts, the way the accounts are being managed and the feedback that 's offered by the grantors.
Consumer complaint received 2017-09-30
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Shermeta Law Group, PLLC (MI)

On X/XX/2017 company did not answer the two questions asked in orginal complaint, why are my payments not being reported to my credit burea and why did they stop sending payment statements after i notified them about a layoff from work in XXXX XXXX.
Consumer complaint received 2017-09-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Premier Student Loan Center (TX)

This all started XXXX/XXXX I signed up with Premier Student Loans because they said they could get me signed up on the new Obama Plan, This plan was suppose t reduce my student loans from {$44000.00} to {$8000.00} if I paid 240 payments. I had to pay the first three months {$300.00} and the remaining months would be {$30.00} per month. 
I became aware of this XX/XX/XXXX when I received a call from XXXX stating I have n't paid them since XXXX/XXXX. They said I made a {$300.00} payment to them which I do n't remember paying so that must have been Premier paying on my behalf for that one time. 
I checked my credit report last month and discovered I still owe {$44000.00}. I received a call from Premier asking for me to provided income information and I did n't feel comfortable with it. So, I went on line and sent my income information to XXXX because they were the original loan company thinking that Premier would get the information. Premier then advised that they are a third party and not affiliated with XXXX. At this time I decided I wanted to cancel their services and stay with the known company of XXXX. Premier began to give me the run arounds. They would not give me an email confirmation of my cancellation. They just told me the check for {$330.00} will be sent to me, They did not verify that they will cancel the automatic charges of {$30.00} that they deduct from by debit card monthly. The number I call to reach the is XXXX and the case manager is XXXX. He 's extremely rude and arrogant. I have also spoken to a guy there name XXXX and neither one would provide me ID # 's or some form of cancellation receipt. They laugh in my face as though they have all the power. I just want them to cancel my service and refund my money. The main number to Premier is XXXX.
Consumer complaint received 2021-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MIDFIRST BANK (LA)

XXXX is an extremely poorly run online bank. Their desktop website does not allow me to log in on any of 3 browsers I tried, and the mobile app is nonfunctional as well, and its Plaid integration fails to allow me to connect any external accounts I have. My money is stuck in my account, and I just found out over the phone with support staff that they disabled transfers out of the bank. They are trying to instruct me to enable them, but have limited knowledge of their app UI or how I can do that. Extremely frustrated that my money is stuck with XXXX. They were unable to locate records of any of my transfers out. They should be shut down until Midland can figure out how to create an app that works.
Consumer complaint received 2017-09-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

ON XXXX XXXX, XXXX, I HAD ATTEMPTED TO OPEN A CAPITAL ONE BANK 'S THREE HUNDRED AN SIXTY ( 360 ) DEGREES CHECKING ACCOUNT AND A CAPITAL ONE THREE HUNDRED AND SIXTY ( 360 ) DEGREE MONEY MARKET ACCOUNT AT CAPITAL ONE BANK 'S BRANCH LOCATION AT XXXX XXXX XXXX, XXXX, MARYLAND XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, THERFORE, I WAS NOT ABLE TO LOG INTO CAPITAL ONE 'S FRONT DESK COMPUTER IN ORDER TO BE SERVED. NEEDLESS TO SAY, AFTER MORE THAN A HALF OF DOZEN CAPITAL ONE 'S BANK CUSTOMERS WERE WRONGFULLY WAITED ON BEFORE ME, EVEN THOUGH I WAS WAITING TO BE SERVED BEFORE ALL OF THEM, I HAD DECIDED TO TAKE A HAND WRITTEN NOTE TO ONE OF THEIR CAPITAL ONE BANK 'S TELLERS. THIS WAS EXTREMELY DANGEROUS SINCE, MOST BANK ROBBERS GENERALLY TAKE HAND WRITTEN NOTES TO BANK TELLERS IN ORDER TO ROB A BANK!!!!!!!!!!!!!. MY NOTE HAD SIMPLY STATED : " XXXX XXXX XXXX XXXX AND AM LEGALLY XXXX, AND HAD BEEN WAITING OVER AN HOUR TO BE SEEN!!!!!!!!! ". I WAS EVENTUALLY SEEN BY THE BRANCH MANAGER, XXXX XXXX, ET. AL., HOWEVER, XXXX XXXX, ET. AL., HAD ALL INFORMED ME THAT THEY CAN NOT AND WOULD NOT OPEN THE AFOREMENTIONED CAPITAL ONE 'S BANK ACCOUNTS, SINCE THEY WERE SO-CALLED, " ONLINE ONLY ACCOUNTS ''. I HAD THEN IMMEDIATELY INFORMED THEM ON A SCRATCH PIECE OF PAPER, THAT I CAN NOT CURRENTLY ACCESS THE INTERNET DUE TO MY XXXX XXXX XXXX. NEEDLESS TO SAY, I HAD FILE FORMAL WRITTEN COMPLAINTS WITH CAPITAL ONE 'S CEO, XXXX XXXX XXXX, ET. AL., TO ABSOLUTELY NO AVAIL, WITH REGARDS TO XXXX XXXX AND THEIR CAPITAL ONE BANK S ' NOT PROVIDING THE NECESSARY REASONABLE AND/OR MEANINGFUL ACCOMMODATIONS AT ANY AND/OR AT ALL CAPITAL ONE BANK 'S BANK BRANCHES IN ORDER FOR ME AND/OR ALL THOSE WHO WERE/ARE SIMILARLY SITUATED IN ORDER FOR US TO BE ABLE TO OPEN ONE OR MORE OF THE AFOREMENTIONED CAPITAL ONE 'S BANK 'S PRODUCTS WITH THE XXXX XXXX DOLLARS ( {$200.00} ) EACH, SIGNING BONUSES FOR NEW CAPITAL ONE '' S BANK CUSTOMERS, INCLUDING ME, XXXX XXXX XXXX.
Consumer complaint received 2021-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have two inquires on my credit report I didn't authorize was a victim of fraud in the month of XXXX my purse and cell phone was stolen their was inquires from XXXX XXXX  and XXXX XXXX I never applied for on trans union and XXXX and XXXX
Consumer complaint received 2017-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Creditors' Service Bureau of Niles, Inc (IL)

My credit got XXXX.cuz of a XXXX XXXX XXXX XXXX XXXX made mi company collecting on a disputed nonowned debt .i would like my credit restored by the nonlicensed debt collector tryn to XXXX me up with life thru XXXX credit controlled '' units 0ver.25centts.points im idtheft victim already struggling my score wass at XXXX this XXXX freal by a XXXX michigan hospital white ran with wanton full intent too cause me harm for reporting the XXXX for n too the state n federal government.please stop reporting calln hassling threatening this is result of idthegt i contacted several times the hospital n still recently had XXXX XXXX out of me at XXXX XXXX XXXX XXXX XXXX on XXXX # XXXX # 2017 XXXX XXXX XXXX XXXX for 'denial of excercising my constitutional right to leave the facility XXXX over hr n half XXXX XXXX XXXX  security guards threatening nurses n XXXX XXXX XXXX.n XXXX so i know how XXXX retaliatory hospital unregistered n illinous can be XXXX n battery by violent injection this is similar billing XXXX harm to cause monetary harm to XXXX but noncompliying debt collecting nonbond authority with federal gov when colecting is serious offense tho
Consumer complaint received 2021-02-04
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. (FL)

On XX/XX/2020 I sent mail to all three bureaus to dispute some accounts that are inaccurate and erroneous and unknown and yet they still remain on my credit reports. Its been over 60 days and I have yet to receive a response. These companies are unfairly taken advantage of me as a consumer and on top of that I am being injured financially in a very horrible way during Covid. Section 611 ( a ), plainly states that a failure to investigate these items within 30 days gives reason for these items to be removed from my credit report. It has been over 60 days so they should be promptly removed. I demand these accounts be deleted immediately or I will file litigation for the stress you are continuing to cause me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2017-09-29
Product: Credit card or prepaid card — Store credit 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: WELLS FARGO & COMPANY (ID)

XXXX/XXXX/XXXX We agreed to purchase a wall furnace from Terrys Heating and XXXX, XXXX XXXX, Idaho. They stated we could have a contract for 60 months and the lender would be Wells Fargo Bank. We stated we did not like Wells Fargo, but they stated they were the only bank setup to carry their contracts. We filled out a credit app and was approved for the contract in the amount of {$3200.00} which included a {$1000.00} down payment. The contract states a 9.9 % interest rate with XXXX equal payments {$61.00}. We were sent a credit card from Wells Fargo that XXXX XXXX Projects, Terrys Heating and AC which they stated just ignore. We began payments of {$61.00} in XXXX XXXX and have made XXXX payments. Wells Fargo Financial XXXX. XXXX XXXX, XXXX Texas XXXX accepted the first XXXX payments without a problem. However, in XXXX they began charging an extra fee. A late fee of {$27.00} and interest of {$26.00}. The check was mailed the XXXX of the month and not posted until after the due date of the XXXX. They asked for a payment of {$88.00}. We sent our {$61.00} payment as due by contract. In XXXX we were billed another late fee of {$38.00} and interest of {$26.00} and a payment of {$120.00}. Our check was posted on the XXXX After calling them there was no resolution. They stated they had no control over the posting date or the mail. They refused to remove the fees. It is apparent they have converted the contract into a credit card account which we did not agree to. Our balance right now is {$3100.00} nearly the same amount we began with. These fees were posted fraudulently and not agreed to. It appears they plan on adding fees every month and ignoring our original contract. We are angry that the account is now a credit card account which we did not agree to and at the current rate it will clearly not payoff in 60 months. We went to our bank today and got a personal loan and paid off the balance of {$3100.00}. We have a higher interest rate and a higher payment but atleast we know we are secure in the amount and the timely payoff. We have copies of the contract, the card and the statements Wells Fargo has sent. We will send them to you when requested. We do not want private information posted on this site.