davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

My wife and I currently have several credit cards and an auto loan with Capital One. Ever since Capital One acquired the Walmart credit card account from XXXX XXXX, they stopped offering customers lower interest rate promotions which has made this extremely difficult for their customers. Since we have been significantly impacted by COVID-19, on XX/XX/XXXX, on the date of my due date, my wife and I spoke with a Senior CSR, XXXX who was very friendly and helpful with our present financial hardship. I had scheduled a payment of {$60.00} and XXXX was able to cancel it for us. She advised that Capital One is offering the minimum payment waived for their customers that have been impacted by the virus. She did advise that the reps are updating customers manually and that I might see a late fee which would be credited. Today I checked my balance online, my Walmart Rewards credit card was updated to show the minimum payment was waived however, my Platinum Mastercard was not. My issues began on XX/XX/XXXX, when I used my credit card to buy essential supplies and went over {$8.00}. I immediately made a payment of {$10.00}. Then on XX/XX/XXXX, a late fee of {$25.00} and {$50.00} interest charge was applied causing my account to go over the credit limit again. Fast forward to today, I received a notification from XXXX that this creditor reported to the credit bureau, that my account is over its credit limit. My wife and I have been loyal customers for over 2 years, and have never experienced this type of hardship until now. We are disturbed that my Platinum Mastercard 's minimum payment was not waived as requested and that now my credit score has dropped 10 points due to human error.
Consumer complaint received 2021-09-06
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. (PA)

I sent you a letter regarding inaccurate things on my credit report on XX/XX/2021 with the same letter but to this day more than 45 days have passed, but I still got no response. I was told that FCRA obligates you to investigate these negative items within 30 days and remove them if nothing is found, but it has been over a month now, and your inaccurate reporting still affects my credit nor i get response from you. I demand these errors be deleted immediately or I will take legal actions due to all the troubles you are causing me. My information was impacted by Equifax data breach and may got into hands of the wrong person and its your obligation to fix all these errors.
Consumer complaint received 2021-09-06
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. (PA)

I sent you a letter regarding inaccurate things on my credit report on XX/XX/2021 with the same letter but to this day more than 45 days have passed, but I still got no response. I was told that FCRA obligates you to investigate these negative items within 30 days and remove them if nothing is found, but it has been over a month now, and your inaccurate reporting still affects my credit nor i get response from you. I demand these errors be deleted immediately or I will take legal actions due to all the troubles you are causing me. My information was impacted by XXXX  data breach and may got into hands of the wrong person and its your obligation to fix all these errors.
Consumer complaint received 2021-09-06
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. (FL)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2020-04-18
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (MN)

On XX/XX/15 I had a deposit of child support on to my ud bank reliacard. I have been unable to use the card since. I have called everyday and waites for up to 3 hours on hold.
Consumer complaint received 2017-10-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Penn Credit Corporation (GA)

I recently received a copy of my credit report and I noticed that this company is reporting negative information against my SSN. I have never done business with this company. They have never provided me with any goods or services. I have no contractual obligations to this company yet they have reported to the CRA 's that I indeed do. I am requesting validation. Please send me a signed contract between me and your company. One that I signed and one you signed. Copies of a copy is not legit. I would like to see the contract with my wet ink signature, detailed statements from the last 6 months, and how this alleged debt was calculated.
Consumer complaint received 2020-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (IL)

On XX/XX/2020 I deposited my payroll check into my US bank checking account only to find out the next day there was a seven day hold placed on it. Every single time I attempted to deposit a paycheck into my US Bank checking account there has been a seven day hold on my entire paycheck. No partial availability of funds. This has lead to my rent being late for XXXX and previous months when I deposited my paycheck and a hold has been placed upon it. 
US Bank branches are closed to the public due to Covid-19 and I am unable to contact a banker to discuss this matter. My employer requires a voided check to sign up for direct deposit and I am unable to obtain a voided check because I do not order checks and I am unable to meet with a banker or branch manager due to the lobbies being closed due to Covid-19. 
This is not the only paycheck that was placed on a seven day hold. Every single paycheck I have had since I opened my account in XXXX of 2020 has had a seven day hold placed upon it. 
On XX/XX/XXXX ( when this hold for my current paycheck expires ) I will be closing this account and not depositing another dime into this checking account.
Consumer complaint received 2017-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Over the past 4 months I have made several disputes with Trans Union regarding an fraudulent account being reported on my Trans Union Credit report. In my written and online request I asked that Transunion please investigate this item and show proof of validation or delete immediatley from my report. The account in question is XXXX XXXX for {$740.00} I would like Tran Union to conduct a fair legal investigation and once the investigation is complete remove the account..Every dispute I have sent it their response has been that this account has been " verified '' as mine but shows no proof or documentation showing that it is mine. It is my impression on FRCA that the account in question must show a/an signed document showing that in fact open the account ( i.e signature etc. ) I have gotten anything from Transunion proving the account is mine. There is no possible way that this account belongs to me.PLEASE HELP
Consumer complaint received 2017-10-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BB&T CORPORATION (FL)

these people keep claiming that i opened an account with them I NEVER opened an account i never signed anything anyone can sign my name to look like forgery again its fraud and there still refusing to remove this account at this time i filed a police report as my attorney stated and im giving you guys once final opportunity to delete this account from my name before i file a lawsuit against your bank BB & T and call for a national boycott of the XXXX XXXX XXXX XXXX XXXX against your bank and there willing to do that there email is XXXXXXXXXXXX and go public on XXXX im sick and tired of your crap!
Consumer complaint received 2016-08-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

Refer to my previous compliant ( XXXX ) regarding negligence servicing by " Ditech '' Company, and despite their letter of apology and their claim of correcting their error, I just received a " Notice of Default and Intent to Accelerate '' letter from them dated XXXX/XXXX/2016. When I called their representative they are not able to tell me how they determine that I owe them a balance ; moreover, I have all documents proving the I have made all of my payments accurately, properly and timely. They have caused me a great amount of anxiety and distress by their incompetent conduct in servicing my loan.
Consumer complaint received 2017-06-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

PORTFOLIO RECOVERY ASSOCIATES I disputed the debt via online portal and via written communication and requested validation of debt. The company did not provide full validation and continued to report the accounts on my credit file. This has caused financial hardship as a result of their actions.
Consumer complaint received 2017-10-19
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Genesis Financial & Payment Systems Holdings, LLC (MO)

I WAS DESPERATE AND GOT A ONLINE LOAN ON XXXX/XXXX/XXXX FOR {$250.00}. I PAY {$46.00} EVERY XXXX WEEKS. I WENT TO PAY OFF THE LOAN TODAY AND THEY STATE I STILL OWE ALMOST {$300.00} TO PAYOFF TODAY. AND MORE IF I DONT?!?!?! THEY ARE CHARGING ME {$12.00} FEE PLUS ALMOST {$900.00} IN INTREST! I WAS NOT TOLD THAT BY THE LADY WHO WENT OVER THE LOAN WITH ME. I MADE SURE TO ASK THAT I COULD PAY EXTRA ON PRINCIPAL AND WAS INFORMED I WOULD BE PAYING TOWARDS PRINCIPAL EACH PAYMENT, HOWEVER THAT WAS A BOLD FACED LIED. I FEEL THERE SHOULD BE A LAW AGAINST THIS. XXXX ABOUT TO GO ON UNPAID MATERNITY LEAVE AND CAN NOT PAY THIS LOAN WITH THAT KIND OF FEES
Consumer complaint received 2017-10-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (IL)

I do n't have the original receipt but in either mid-XX/XX/XXXX/early-XX/XX/XXXX, I purchased a couch from XXXX on XXXX XXXX in XXXX, IL. I originally used my bank 's debit card, in-store, transaction went through smoothly. Less than a week later, the couch went on sale ( {$20.00} reduction ) and was told they would adjust the purchase to the sale price since it was just a couple of days between the purchase and the sale. On XX/XX/XXXX, I received a fraud alert from my bank requesting that I authorize a department store charge in the amount of {$910.00}. It seemed odd because I had already paid in-store approximately a month prior. I checked my account online and saw that XXXX made the charge in store, reversed it and then charged my card again on XX/XX/XXXX. I authorized my bank to approve the charge. However on XX/XX/XXXX,  XXXX again charged {$910.00} triggering my bank to send another fraud alert. At this point, I was annoyed with XXXX dipping in and out of my account ( for the 3rd time ). I attempted to contact XXXX to send them a check for the payment to settle this entire thing. After much back and forth with that, I sent them a check which took them nearly 3 months to process. Fast forward toXX/XX/XXXX, XXXX is again calling and emailing me saying that I owe them {$910.00} for the couch I purchased 2 years ago. I have the cancelled check from my bank but my experience with XXXX unprofessionalism, and horrible accounting processing has completely put an end to me ever dealing with them again. By the way, I was told when I paid the full amount by check, they would process and adjust the price and refund me the difference to reflect the sales price ... never happened.
Consumer complaint received 2017-06-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (MD)

Experience predictory lending n Respa violation n filing a complaint for illegal foreclosure and acting as a third party debtor collector instead of lender/creditor. Need to verify if Bayview has consent order and register with MD commission finance office and in violation of FDPCA.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Multiple Credit Solutions (NC)

I 'm wanting to find out what all these bills and hospital bills are that 's in my name it shows I 've been to the hospital like 3 times this year when I 've not been there in about 3 years if not longer my date of birth is wrong there 's a address on there that I 've never lived at the only thing I should have on my record is from XXXX XXXX and XXXX witch I paid off the XXXX bill and from XXXX XXXX and I 'm just trying to figure out what all the other stuff is on my report it 's causing me a lot of problems in my life thanks
Consumer complaint received 2017-10-19
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. (NJ)

X/XX/12 XXXX XXXX # XXXX I had an account opened with a friend/significant other. He had opened the account in my name because he was unable to. We had separated and I gave him ownership of the account. XXXX did not transfer over responsibility from me to him and allowed the account to go to collections. All the billing information and addresses on file were to the friend/significant other. I had to eventually pay for the collections amount and also received a negative collections indicator on my credit report. I tried disputing this with both XXXX and the credit bureau, but both were unhelpful at providing any information or a solution on how to resolve this issue. I have had this negative account on my credit file when I did not own the account.
Consumer complaint received 2020-07-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

Calls for multiple numbers from different area codes. They never identify themselves until you asked them in the middle of the call. I communicated with them through via certified mail in XX/XX/XXXX XX/XX/XXXX of 2020. They called me instead of written form of communication. I never got a reply back from my certified letters. I sent two certified letters.
Consumer complaint received 2023-01-28
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX and Experian, has violated my rights and is in violation of U.S code.

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 US Code 1681 States accuracy and fairness of credit reporting 15 U.S.C 6801 States protection of nonpublic personal information I am writing to respectfully demand that Experian investigate and remove the inaccurate information currently being reported on my credit report. Specifically, there is an entry for an " Account charged off '' with a balance of {$1300.00} that was written off and past due as of XX/XX/2023. I have previously requested for this information to be investigated and removed, but to no avail. 

I believe that this information is inaccurate and should not be reported on my consumer report. According to the IRS, a charge off is considered to be gross or ordinary income, which should not be reported on a consumer credit report. The reporting of this information is causing harm to my credit score and reputation, as I have been denied multiple lines of credit due to this inaccurate information. 

I understand that Experian 's role is to protect the nonpublic personal information of its consumers. However, in this case, I believe that Experian has not fulfilled its duty to me as a consumer. I am requesting that Experian take immediate action to correct this error and remove the charge off from my consumer report. I believe that this action is fair and equitable to me as a consumer. Thank you for your attention to this matter. 


Enclosed : ID, Utility bill, Proof of charge off status, IRS charge off information, FTC report
Consumer complaint received 2017-10-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (TX)

IC SYSYTEMS CONTACTED ME, XXXX XXXX, AT WORK TRYING TO COLLECT A DEBT FOR XXXX XXXX IN MY HUSBANDS NAME. WE RETURNED THE EQUIPMENT AND PAID THE BILL. CALL CAME FROM XXXX
Consumer complaint received 2017-08-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (MN)

I applied for loan was told one thing it turned out to be another I was told it would be taken out once monthly instead they called me and told me that it would be deducted twice a month and the markup was 200 percent. I told them that that was predatory lending. and that I would be contacting the proper authorties
Consumer complaint received 2020-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX  XXXX, XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account.
Consumer complaint received 2017-08-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (CA)

I.C. Systems, Inc. XXXX XXXX XXXX XXXX XXXX, MN XXXX continues to place false and misleading information on my credit report. I have contacted both of these creditors notifying them that these are fraudlent accounts. XXXX has sent me a letter stating that they had removed the account from my record put this company I.C. continues to place it on my credit report.
They have also lied about the date it was not opened on XX/XX/XXXX.
I have letters from the DOJ they have arrested the people who used my Identity. I.C. Systems is using fraudulent means to obtain monies.
Derogatory marks View all accounts COLLECTIONS I.c. System Inc. Opened XX/XX/XXXX + {$100.00} Original creditor : XXXX XXXX I.c. System Inc.
Opened XX/XX/XXXX + {$53.00} Original creditor : XXXX XXXX
Consumer complaint received 2017-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have send TransUnion a total of three letters regarding inquiries that they are reporting on my credit report. the last letter I sent with tracking number XXXX XXXX XXXX XXXX XXXX they are reporting not yet proven compliant information. Trans Union has detailed on my credit report. reporting several allegations of inquiries that have not been adequately verified in a compliant manner as mandated per the FCRA metro 2 reporting regulations, namely that they do not have verifiable proof or permissible purpose and the chicanery led to subterfuge is UNLAWFYLLY injurious to my credit and reputation which is clear infringement of my consumer and civil rights. instead of marking dispute on these errors after sending 3 dispute letters instead Trans Union ignored my letter. I informed them that I did not authorize anyone employeed by the companies to make any inquiries and view my credit report. this is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. I requested that they remove the fraudulent inquiries from my credit report immediately that is maintain under my social security number.
Consumer complaint received 2017-06-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (CA)

They have been constantly leaving phone messages over the past several weeks. I can not afford the full amount of the loan payments. I was unemployed for  1.5 ye ars. I was even paying {$150.00} per month during that time out of my savings, which I was living off of.   XXXX  They are now calling family members.