davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-20
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: 2288984 Ontario Inc. (AR)

I accepted a line of credit for {$2500.00} and was approved by moneykey. This transpired on XX/XX/2023. I maxed out the {$2500.00} dollars, and have been making on time payments. My total amount owed is now {$2600.00}, and that total keeps raising, even though, I make on time payments. This seems like an impossible situation, and impossible to repay, when the company raises how much you owe, even though, you make payments both on time, and in full. This is the definition of predatory. Thank you.
Consumer complaint received 2021-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (MN)

I have been having problems with the USBank.com online banking site for several months now. The problems include unable to schedule automatic payments, unable to make one time payments, unable to manage reward options. I am able to log into online banking and view the balance on my accounts on the dashboard. Sometimes I can make a payment but most times I can not. I get an error message saying the website is unavailable due to too many redirects. When attempting to select reward categories I have not been able to access the site in over 3 months. The inability to make payments online has resulted in 2 late fees.

I have contacted USBank twice before today but have not been able to resolve the issue. This is despite the fact that the representative I spoke with also could not use the site while I was on the phone with her. To date there has been no resolution. I finally canceled my credit card accounts with USBank.
Consumer complaint received 2021-05-02
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: CARMEL FINANCIAL CORPORATION, INC. (FL)

I, XXXX XXXX as a federally protected consumer am protected under the Fair Credit Reporting Act ( 15 USC 1681 ). The FCRA is intended to secure the right to accuracy, fairness, and privacy of my consumer information contained in the files of consumer reporting agencies and those rights have been violated. As a federally protected consumer, I have the right to privacy. Any and all information deemed private should not be posted to my consumer report ; CARMEL FINANCIAL CORPORATION is in direct violation of 15 USC 1681a ( 4 ) by furnishing this on my consumer report and is infringing upon my right to privacy. CARMEL FINANCIAL CORPORATION is also in violation of 15 USC 1681a ( 2 ) ( iii ) as I did not provide any authorization, written nor oral, to furnish the following hard inquiries on my consumer report - see Exhibit A : CARMEL FINANCIAL CORPORATION 03/08/21. As a federally protected consumer, I am exercising my rights to choose not to provide this information on my consumer report and am asking that it be removed immediately.
Consumer complaint received 2023-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: EQUIFAX, INC. (CA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX Date Opened : XX/XX/2021 Balance : {$0.00}. Please update.
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CT)

I have paid and contacted the company to get the account removed. They said they reported it already and that's all they can do. I asked to provide documentation that they did that so I could send to the bureaus and they did, I sent it and no change.
Consumer complaint received 2021-10-13
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: Exeter Finance, LLC. (GA)

This is concerning Exeter finance. This Is not my account. The name is spelled differently and social is different and also address. I sent in my social security card copy, ID and they promised to remove it and never did so. I need the account to be blocked and removed from three credit bureaus. Thank you.
Consumer complaint received 2024-03-20
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (WI)

I made a payment online XX/XX/24 for {$76.00} as a scheduled payment on XX/XX/24. On XX/XX/24, it shows a {$30.00} returned payment fee saying the account it was to come out of was closed. Of course, they cant say what the account is but the last 4 is the correct account for my checking I had set up for the payment. I then contacted Old Navy Credit Card on XX/XX/24 and XX/XX/24 trying to resolve and they would not reverse my fee or help me with figuring out why this was saying it was closed. I was told to contact my bank to figure it out but the bank has no record of a payment coming out. All I want is my {$30.00} charge credited back.
Consumer complaint received 2022-04-26
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Self Financial Inc. (VA)

this is in regards to dishonest company known as XXXX XXXX XXXX ''. A company that serve as a credit building tool where you get a secure credit and after you pay it off thy report it as paid and will refund you the deposit put initially. 
I have a screenshot of the promise that my payment was being processed on XXXX and that is only gon na take 1 to 2 business days and I've attached it along with the policy page. 

Unfortunately for my case they are refusing to refund under the pretext that I need XXXX issued passport when their own policies outline that for XXXX XXXXXXXX citizen a passport number and country of issuance is all that is required to verify my identity. 
I have sent them my XXXX passport a month ago and every time they promise that a supervisor or higher up will call me back but they never honored their promises. I'm literally using the policy on the website to get them to follow their own and its not helping as they that incompetent. 

One agent by the name of XXXX have agreed with a 100 % that passport I sent is all they need but claimed she is not the one who has the authority to release my deposit. 
I insisted that I wait on the line while she communicates with the back end to help come up with a resolution she told me follow up via email and hung up abruptly like the two other agent before her. 

The body of text below is from their website XXXX XXXX XXXX and it quotes : ''Types of Information You Will Need to Provide When you open an account, we are required to collect information such as the following from you : Your name Date of birth Address Identification number XXXX Citizen : taxpayer identification number ( Social Security Number ) XXXX Citizen : taxpayer identification number, passport number and country of issuance, alien identification card number, or government-issued identification showing nationality, residence and a photograph of you ''.
Consumer complaint received 2024-03-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CONTRACT CALLERS INC (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XX/XX/2024 CONTRACT CALLERS INC ACC : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, GA XXXX Subject : Dispute of Debt and Request for Deletion from Consumer Report Dear Sir/Madam, I am writing to dispute the validity of a debt that has recently appeared on my consumer report, as well as to assert my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Upon reviewing my consumer report, I was surprised to find an entry regarding a debt that I have no knowledge of. I have not received any prior notification or communication regarding this alleged debt, nor did I have the opportunity to dispute it before it appeared on my consumer report. 

I want to emphasize that if you believe that proper notification was indeed provided to me, I kindly request that you furnish me with the CERTIFIED mail receipt that includes my signature, demonstrating that I received notification of this debt at least five days prior to its appearance on my consumer report. As a consumer, I am aware of my rights under the FDCPA and FCRA, which include the right to be notified of any debt collection activity and the right to dispute any inaccuracies on my consumer report. 

If you are unable to provide a certified copy of my signature confirming receipt of proper notification within the specified timeframe, I demand the immediate deletion of this collection/charged off account from my consumer report. Failure to comply with this request will prompt me to take further action to rectify this matter. 

I expect a prompt response to this dispute and request within 30 days, as stipulated by the FCRA. Please provide all correspondence in writing to the address listed above. Also I check the XXXX  and it states the the Debt Collector is not registered to collect alleged debt in my State. see attachment below. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-01-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (AE)

In XX/XX/XXXX I received a collections notice by mail from Southwest Credit ( XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX ; XXXX ) for a bill of {$170.00} that it alleged I had not paid to XXXX in XXXX of XXXX. 

I called the above number to inquire what the debt was for and why XXXX and/or Southwest Credit had waited more than two years to seek to collect it. I also asked why no one had tried to call or email me earlier. The Southwest Credit employee told me she didn't know what services I had allegedly received, nor why XXXX never contacted me. She could not tell me when her company had purchased the debt from XXXX. In short, all she knew was that I owed {$170.00}. She said that my choices were to pay {$87.00} as an " offered amount '' or have my credit harmed. ( For context my credit is XXXX and I've never failed to pay a debt. ) I checked my records and thankfully found email proof that I had cancelled my XXXX account and settled all outstanding charges in XXXX of XXXX. I asked why Southwest Credit was seeking to collect the fictitious debt. She said the issue would " probably go away '' and they would confirm their letter was an error. 

Approximately three months have elapsed and I have not heard from Southwest Credit. I am seeking two things : 1 ) An apology for their having tried to strong arm me into paying a bogus debt ( about which they had virtually no detail and had made no attempt to verify ) ; and 2 ) Written confirmation that Southwest Credit considers this matter closed. 

Many thanks for your help.
Consumer complaint received 2021-01-28
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

For several years now I had submitted multiple letters of dispute to XXXX XXXX. I never received any answers to my dispute letters. This account violated the fair credit account for failure to answer or respond in the proper time limit to answer a dispute. The last letter was XXXX 2019. And like the others sent to the creditor on numerous times was never ever answered. This was since sold twice to two different collections agencies. A violation of my rights. My credit has since gone down significantly and even complaints to the credit bureaus on numerous occasions they have refused to correct my records. I am attaching a copy of a letter of dispute which they never responded to and now they are past the deadline. All credit reports and creditors of this account must legally be removed.
Consumer complaint received 2023-04-04
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 recently received a copy of my Equifax Information Services LLC credit report, and I noticed some late payments posted on my credit report from XXXX XXXX Dates XXXX of XXXX, XXXX, XXXX, XXXX, XXXX Dated XXXX of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Dated XXXX of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Equifax Information Services LLC is in clear violation of the law. Under 15 USC 1681B permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting angency may funish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates.

I did not give Equifax Information Services LLC written instructions to furnish this on my report.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Execept as provided in paragraph ( 3 ), the term " consumer report '' does not Include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as an transactions or experiences between the Consumer and the person Making the the report. Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.
Consumer complaint received 2022-02-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: MIDFIRST BANK (MD)

On XX/XX/XXXX, I opened an Online Savings account with VIO Bank, and on multiple occasions from XX/XX/XXXX, to present, I notified VIO Bank that my cell phone number listed on my account as XXXX had changed and that I did not have access to that number any longer. I repeatedly requested that VIO Bank update my account cell phone number from XXXX to XXXX. 

I have made multiple phone calls to VIO Bank and provided identifying information verifying my identify however VIO Bank refuses to update my contact information to prevent IDENTIFY THEFT with the use of my old phone number remaining on file. As of today, VIO Bank has failed and/or refused to take the necessary steps to update my phone number to prevent my Online SavingXXXX account from being compromised with the use of the old contact information.
Consumer complaint received 2022-01-09
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC (RI)

On XX/XX/2021 I was informed that a credit was opened in my name the listing read XXXX XXXX on my credit report, I contacted the company and was informed it was a credit card issued in my name for {$6000.00}. I informed the company my identity was stolen and that I had no knowledge of the credit acquired in this store at all nor did anyone have access to get said credit in my name. It is now under investigation and I hope it can be resolved as I have now had to place a fraud report on my credit report.
Consumer complaint received 2021-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

This is to inform that Transunion, XXXX  and XXXX  have violated my consumer rights and now are civilly and criminally liable for their violations on my consumer report. They have failed to notify or input a notice to dispute on my consumer report within a 30 day time frame for the accounts that i am disputing. Also, because they are reporting inaccurate information on my consumer reports and Consumer reports are suppose to be 100 % accurate across all 3 bureaus. The letters were received on XX/XX/2021 and it is now XX/XX/2021 and I have not received and correspondence for these accounts.
Consumer complaint received 2021-05-02
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: CITIBANK, N.A. (FL)

I, XXXX XXXX as a federally protected consumer am protected under the Fair Credit Reporting Act ( 15 USC 1681 ). The FCRA is intended to secure the right to accuracy, fairness, and privacy of my consumer information contained in the files of consumer reporting agencies and those rights have been violated. As a federally protected consumer, I have the right to privacy. Any and all information deemed private should not be posted to my consumer report ; Citibank NA. is in direct violation of 15 USC 1681a ( 4 ) by furnishing this on my consumer report and is infringing upon my right to privacy. Citibank NA. is also in violation of 15 USC 1681a ( 2 ) ( iii ) as I did not provide any authorization, written nor oral, to furnish the following hard inquiries on my consumer report - see Exhibit A : Citibank NA., Best Buy - XX/XX/19. As a federally protected consumer, I am exercising my rights to choose not to provide this information on my consumer report and am asking that it be removed immediately.
Consumer complaint received 2022-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting In accordance with the Fair Credit XXXX XXXX Account # XXXX is violating my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S. Code 1692c - Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

15 U.S. Code 1692b - Acquisition of location information - Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information.
Consumer complaint received 2021-10-13
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. (TX)

XXXX XXXX Acct # listed as XXXX Opened XX/XX/2018 Opened by someone named XXXX XXXX XXXX. This is a fraudulent account- my name is XXXX XXXX XXXX . I have sent this company my information and they just sent back to Experian and XXXX that the account was sold. I have my Texas driver 's license showing my legal name, so I need this deleted from Experian, XXXX, and XXXX. The address they gave on file is not my current or former residence.
Consumer complaint received 2024-03-20
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY (NC)

I have been an employee of XXXX XXXX XXXX XXXX for nine years now. I have had my Dillard 's American Express card since XXXX. In XXXX of XXXX I was having issues with my card. It was not lost nor stolen, just worn. I contacted Wells Fargo Customer Service to request that they send me another card. They sent me another card via XXXX XXXX XXXX. I have been using my card continuously since then. I attempted to use my card on XX/XX/XXXX to receive the double discount Dillard 's allows their associates four times a year ( employee discounts are linked to their cards which they must use in order to receive any discount ). My purchase was declined twice and I could not understand this since my balance is XXXX and I have a {$2500.00} credit line. I immediately contacted Customer Service and spoke with a very rude representative by the name of XXXX and was told that I called on XX/XX/XXXX to report my card as lost or stolen, which I did not do. She also insisted that I had to wait over a week for my new card and there is nothing she nor I could do about it and that if I want to contact my attorney that it was my chose to do so. I allowed her to know that double discount is only through Thursday XX/XX/XXXX and this was not my fault but she continued to speak to me as if I had did something wrong. I then requested that since calls are recorded for quality and training purposes that I would like to hear the call I made on XX/XX/XXXX to report my card as lost of stolen. She then placed me on hold and came back to advise that upon further investigation she found that my card was shut off on XX/XX/XXXX by Wells Fargo because the new card that they issued to me in XX/XX/XXXX should not have been sent to me overnight, and that it should have been investigated prior to issuing a new one. First of all, I never reported my card as lost or stolen in XX/XX/XXXX, I called to request a new card because the one I had was worn. Secondly, I never requested at that time that they overnight the card to me, they made that decision and only after they verified my identity. Thirdly, I have been using my card continuously since XX/XX/XXXX with no problems. I can clearly see that shutting my card off now was a matter of Wells Fargo trying to cover their buts and rectify something that should have been done seven months ago and doing so at my embarrassment and inconvenience. I was in the XXXX XXXX XXXX for many years and I am absolutely sure that this was all due to an audit although they would not tell me this. I also would like to mention that this is no reflection on Dillard 's, this is solely Wells Fargo once again scrambling to cover up for their mistakes and making their customers pay for it.
Consumer complaint received 2022-04-26
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX has violated my rights. 



15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.