davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: U.S. BANCORP (HI)

US Bank Visa Platinum Card company ( https : //www.usbank.com/ ) and Cardmember Service have held my credit balance of {$140.00} since XX/XX/2023. During US Bank acquiring Union Bank, despite that I blocked the Union Bank Card and requested them to send me the credit balance of {$140.00} on XX/XX/2023, I was forced to activate US Bank credit card and open on-line account, for me to able the see the details of transactions that I have not authorized. 

I have reached out to them multiple times including the dates on XX/XX/2023, XX/XX/2023, XX/XX/2023. They have told me that they are doing research. But, they have not sent me the check amount of {$14000.00}, as they have told me to do so on XX/XX/2023. 

Today is XX/XX/2023. They have held me fund for 75 days now. 

I have called US Bank Service Contact # XXXX, and talked to one of the supervisors, XXXX XXXX. She hung up on the phone pretending like she can not hear me after I held on to the phone talking to several service representatives for over 1 hours and 17 mins. Case/Reference # I was given XXXX XXXX 

Can they really hold XXXX of consumers money like this?! Please advise and help.
Consumer complaint received 2020-10-18
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Ingo Money, Inc. (MN)

I am having an issue cashing a mobile check by mobile check deposit with Ingo Money using my XXXX XXXX XXXX XXXX debit card. I have never cashed a bad check with Ingo Money. Ingo Money is  using discriminatory practices as far as not accepting my mobile check deposit, considering I have never had a check returned to Ingo Money.
Consumer complaint received 2018-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc. (IL)

Good day, Recently i have started to see that 3 credit card accounts opened under my name in United States, however i left United States in XXXX of XXXX, below is recent information from XXXX form which you can also check ( XXXX XXXX XXXXXXXXXXXX XXXX XXXX ) Most Recent XXXX Results For : XXXX XXXX Most Recent XXXX Admission ( XXXX ) Record Number : XXXX Most Recent Date of Entry : XXXX XX/XX/XXXX Class of Admission : XXXX Admit Until Date : D/S Details provided on the XXXX Information form : Last/Surname : XXXX XXXX XXXX Given ) Name : XXXX Birth Date : XXXX XX/XX/XXXX Passport Number : XXXX Country of Issuance : XXXX
Consumer complaint received 2021-07-14
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: Bread Financial Holdings, Inc. (GA)

I am a consumer and on XX/XX/2021 I sent Victoria Secret Consumer Relations Dept a letter pursuant to 15 U.S.C 1692g asking them to send validation of alleged debts, they have been reporting, falsely & inaccurately ; but they have yet to respond. They have been violating my rights as a consumer causing damages to my credit, reputation and mental capacity by communicating inaccurate, false, and misleading information about me.

Under Penalty of Perjury, Victoria Secret is in Violation of the following : Under Penalty of Perjury, Victoria Secret is in Violation of 15 USC 1692g - Notice of Debt { Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing }. They were to notify me of this in writing 5 days prior, I was not.

Under Penalty of Perjury, Victoria Secret is in Violation of 15 USC 1692e ( 8 ) - False or Misleading Representation. ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. Under Penalty of Perjury, Victoria Secret is in Violation of 15 USC 168
1a ( 4 ) - Accuracy and fairness of credit reporting. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Under Penalty of Perjury, Victoria Secret is in Violation of 15 USC 1681a ( 2 ) - ( 2 ) Exclusions. the term consumer report does not include ; ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Under Penalty of Perjury, Victoria Secret is in Violation of 15 USC 1681b ( 2 ) - Permissible purposes ; any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2020-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY (NY)

On XX/XX/2019 I signed up for a $ XXXX/month temporary office at XXXX XXXX XXXX location, commencing XX/XX/2019. 

Despite only being there for 3 months -- XXXX, XXXX and XX/XX/2019 -- which should have totaled around {$4500.00} ( {$1500.00} XXXX XXXX ), the merchant has billed me {$6600.00}, an overcharge of nearly 50 % more. 

I disputed this overcharge and the merchant has bombarded American Express with different sets of alleged receipts/records that differ not only in amounts charged, but the name of the invoice as well -- i.e. XXXX XXXX to XXXX XXXX. 

Notwithstanding the erroneous documentation, this is a very clear cut matter. I was a tenant for 3 months at XXXX XXXX/month : XXXX XXXX {$1500.00} = {$4500.00}, not {$6600.00}. 

The merchant has also ( 1 ) added alleged cleaning fees to an office that was left in pristine condition, and ( 2 ) if the XXXX charge did, in fact, include a retainer/security of {$1500.00}, that is problematic, as this amount has not been returned to me. 

The merchants shady business practices of charging unsupported fees, not returning security deposits, and billing unauthorized amounts is well-documented on the internet. 

In fact, the merchant has lost multiple lawsuits in several states regarding its deceptive and unlawful business practices. 

I agree to pay {$4500.00} plus any applicable taxes and not a XXXX more, and expect to be refunded approximately {$2000.00}. 

Despite all of the corroborating evidence I have supplied to American Express they refuse to protect me from this overcharge.
Consumer complaint received 2021-09-01
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. (GA)

Hello, The scoring program used by XXXX  incorrectly computes a score that does not reflect their own calculation method. Here 's a breakdown : -Payment history represents 40 % of a consumer 's score. I've had over 430 on time payments and 1 late payment in 8 years.

-Credit type and history accounts for 21 % of the score. I have various types of credit and history dating back at least 10 years ( all up to date with only one late payment ).

-Credit utilization is 20 % of the score. My credit utilization has been at or under 35 % and is currently at 15 %.

-Balances represent 11 % of a consumer 's score. This is confusing because it's related to credit utilization. The balance for my car loan is high compared to the loan amount because it's a new loan. It's up to date and has no missed payments. The real issue with their mortgage requirement. They view mortgages as a credit balance instead of an installment loan so it is " reporting '' my balance as high because the mortgage hasn't been paid down to their liking. Mortgages are rarely paid down more than 15 % of their " balance ''.

-Recent credit contributes to 5 % of the score. I have two new accounts, one refinance and one auto loan. Both are up to date with no late payments.

-Available credit accounts for 3 % of the score. My total available credit is {$41000.00}. I only have a balance of {$5500.00} total between all of my accounts.

Considering all of the above information, my credit score should be well above 700 but instead it's at XXXX. XXXX XXXX new method needs to be thoroughly examined to determine errors and corrected. 

Thank you, XXXX
Consumer complaint received 2021-04-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I started disputing with the bureaus originally in XX/XX/XXXX ; I have been continuously disputing accounts that no one has ever verified or validated for me! I have requested validations from the bureaus and creditors yet nothing has been provided. After multiple rounds of disputes I finally filed my first complaint on XX/XX/XXXX. This still didn't result in any responses from the bureaus! Gave it a few more rounds of disputes and filed another complaint on XX/XX/XXXX. Yet again, NOTHING from anyone! This is my THIRD complaint! When will the bureaus finally be held accountable for their actions, or lack of actions? This has been ongoing for 1.5 years!
Consumer complaint received 2019-05-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (OH)

Paid my total balance of {$210.00}. The date in my check book is XX/XX/XXXX but I mailed it on the XX/XX/XXXX according to XXXX XXXX. They said they received it on the XX/XX/XXXX. As far as I'm concerned I've paid the debt but they have called me countless times and continue to send me bills and increasing the charges. Thank You, XXXX XXXX
Consumer complaint received 2020-07-14
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)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately
Consumer complaint received 2018-06-14
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NC)

They raised my monthly payment from {$170.00} per month to {$560.00} at the beginning ofXX/XX/2018. I was told over the phone that I don't qualify for a lower payment plan now. I am currently in forbearance for one year.

I tried to apply for loan forgiveness because I've consistently paid my loan and worked full-time as a XXXX XXXX XXXX  for 12 years now. Federal Student Loan.gov turned me down, saying that I didn't have the right kind of loan ( PSLF ). They told me to apply through Navient. I found the Navient XXXX  loan forgiveness form, but my financial officer at work says that it's not the appropriate form. I can not find an equivalent form for Navient civil servants loan forgiveness.

I've read about the lawsuits against Navient. I had student loans through Sallie Mae before Navient took over. Likewise, I've read that it may not be wise to refinance through XXXX XXXX. I would have to start all over to qualify for the loan forgiveness.
Consumer complaint received 2020-06-28
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: CCS Financial Services, Inc. (WA)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2021-04-23
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX. {$39.00}. I Never use this debit card purchase, The boa security notification me some one use my card purchase on the online. I just told the boa, thats not my purchase and then boa locked my card.after one months, But dispute fail. Boa dont refund money. I need appear. That address is wrong. Phone number is wrong. Why my dispute fail. Please help me. Thank you. Bank of America
Consumer complaint received 2023-02-07
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. (TX)

I have sent multiple dispute letters to the bureaus regarding the fraudulent account on my credit report. It was more than XXXX  days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.
Consumer complaint received 2020-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

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 is an item on my credit that needs to be removed as soon as possible. This item is fraudulent account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove this from my report : MEDICAL
Consumer complaint received 2021-01-24
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: EQUIFAX, INC. (CA)

Please research the following ( 2 ) hard inquiries : XXXX XXXX Inquiry Date : XX/XX/2021 XXXX  XXXX Inquiry Date : XX/XX/2021
Consumer complaint received 2018-06-12
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: EQUIFAX, INC. (VA)

I am a victim of identity theft. i submitted my identity theft report to Equifax to have the information blocked according to the ftc that i have the right to do. I was not given a reason why they refused to block the information. Instead they keep disputing the information with the consumer and it comes back verified. I have been trying for months to get this issue resolved but to no avail. the accounts are XXXX XXXX XXXX and a XXXX XXXX account.
Consumer complaint received 2018-06-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NY)

after my legal separation from my husband he started to open credit in my name with no permission I have a legal case against him but can not find him he has ruined my life his name is XXXX XXXX XXXX remove I have disputed by mail with all three credit bureaus. act number unknown
Consumer complaint received 2018-06-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Khohls/CapOne is currently reporting a CHARGE-OFF on my credit that they have sold to different companies. These companies have determined that I AM NOT responsible for this account. And have removed them from my report. 
The information in this ID Theft Report is clearly LEGIBLE. There is no need to request for further identification to verify these accounts. According FCRA 623 ( b ) ( 2 ) and 61 1 ( a ) ( 1 ) The CRA must give you all the relevant information within five business days of receipt and must promptly give you additional relevant information provided by the consumer if the Original creditor does not respond to the notification of the dispute within the specified times, the CRA must delete the disputed information from its files Kohls/CapOne is also violating FCRA validation laws. 
in XXXX v. XXXX, XXXX, XXXX XXXX XXXX, XXXX, -- - XXXX XXXX -- - ( XXXX XXXX. XXXX ), XXXX XXXX XXXX ( XXXX Cir. XXXX XXXX ), XXXX XXXX App. XXXX  XXXX XXXX, because credit reporting may be considered collection activity, debt collectors should not furnish information to the credit reporting agencies until the validation/verification period has expired and the debt collector has not received a dispute. Then the debt collector wont have to request deletion of the trade-line to avoid violating 1692g ( b ) in the event it can not validate the account. 
XXXX, XXXX, XXXX are also violating the Fair Credit Reporting Act, 15 U.S. C. 1681, etseq.., and their actions violated the Fair Debt Collection Practices Act, 15 U.S. C. 1692, as was pointed out in the lawsuit. XXXX v. XXXX XXXX, XXXX ( XXXX. XXXX ), 1. The account originated from a different address than my own. 
2. The Statute of Limitations for Companies to Collect on a unsecured contract is 4 years in the State of California. 
3. XXXX and XXXX  have NOT done a proper investigation of these accounts. To Reply to me with a FORM letter is Violation of FCRA 605 and FCRA guidelines for INVESTIGATION
Consumer complaint received 2017-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CITIBANK, N.A. (FL)

Today,  XXXX / XXXX / 17 , I tried to get credit card from  Home Depot, w hi  ch would let me get 10 % on my today 's shopping. My request has been rejected due to low credit score.
My question is : why my credit score is low? I expected it to be a  round  XXXX .
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am writing to dispute unauthorized inquiries on my credit report that I believe were made without a permissible purpose or any legitimate business reason, in violation of my right to privacy. This is a clear violation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b ( a ) ( 3 ) ( A ) and 15 U.S.C. 1681b ( f ). 


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Consumer complaint received 2021-04-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cascade Capital, LLC (PA)

This dispute is regarding an emergency service bill. 
Approximately XX/XX/2015 my niece received XXXX XXXX at XXXX XXXX. Different companies tended to her, one of which was XXXX XXXX XXXX. 

I was only her emergency contact. I never consented verbally, written or otherwise to be the financial guarantor for any XXXX XXXX provided, including XXXX XXXX XXXX. I was not present when those services were rendered. As a side note, I personally got medical treatment from other hospitals because I didn't trust XXXX XXXX 's standard of care. 

I filed a XXXX complaint ( ID number XXXX ) against XXXX XXXX ( who furnishes information to the other entities including XXXX XXXX XXXX ). They sent me a letter apologizing for their error. They also sent another letter acknowledging I was wrongfully billed, that the records were updated with the correct guarantor information, and assured me none of the accounts had been reported to the creditors. 

More than likely, XXXX XXXX XXXX used this information to collect the debt from the correct party. None of the other services connected with the emergency room have contacted me after I received these letters from XXXX XXXX. 

XXXX XXXX XXXX is fraudulently using multiple debt recovery companies to collect monies they know are not owed. Their attempt with XXXX was unsuccessful after I contacted XXXX XXXX ID number XXXX ). XXXX closed the debt account in question and contacted XXXX to have it removed from my credit report. They are now using XXXX XXXX Solutions. 

Any so called evidence these companies feel they have stating I consented to this debt is fraudulent. Clearly these companies are manufacturing ways to collect and make money.
Consumer complaint received 2018-06-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pinnacle Credit Services, LLC (OH)

I contacted Pinnacle to resolve a past due debt. The original debt is from a XXXX bill of {$500.00} from XX/XX/XXXX. I tried to arrange a pay for delete but Pinnacle informed me they do not offer a pay for delete option. They are reporting that the debt is from XX/XX/XXXX. The woman on the phone indicated this is when Pinnacle purchased the debt, not when it was originally first delinquent. This debt has been re-aged and should be removed from my credit reports.
Consumer complaint received 2018-06-12
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Seterus, Inc. (FL)

I received a response that doesnt answer my complaint. They are telling the truth I was promised the repayment will not affect my credit score, they lied. I want them to jorobe their word. All the agreements were verbally made and they refused to listen to the conversations. They just dont care. If I knew the repayment will affect my credit I would have chosen a very different route their unethical behavior is affecting many people they dont stand behind their employees, the fact they are not properly trained is not the consiners fault. I just want sereterus to stand by their word, they are legally committed to what they said.