davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-03
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: Bliksum, LLC (CA)

Received letter from LoanMe , Inc. offering a loan of up to {$10000.00} at an APR of 99-180 %. 

That does n't sound right to me. The XXXX gives this business an A+ so I 'm not sure if it 's criteria can be trusted either. 

Maybe I do n't understand what a fair installment loan is but 99-180 % APR just seems ridiculous. What makes matters worse is that I could use the money and can just imagine there are folks out there who may just be desperate enough to accept the terms. It just seems wrong that these loan offers can be sent to people when they just seem so unfair.
Consumer complaint received 2015-05-18
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: CASHCALL, INC. (FL)

I took out a loan in XX/XX/XXXX from XXXX XXXX XXXX, for {$2500.00} which was directly deposited to my checking account. I was to repay the loan at a rate of {$290.00} for 48 months after an initial payment of {$270.00}. I was charged an APR of 139.12 % or a total finance charge of {$11000.00} was finally paid off in XX/XX/XXXX.
Consumer complaint received 2017-10-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP (TX)

US Bank does not notify customers if/when any payment has not successfully gone through. They are clearly making the paying option so extremely difficult so they can collect additional fees for " late payments ''. 

Each payment must be made by inputting your routing and bank account number EVERY time you wish to make a payment. Once completed, they immediately credit your account. 4-7 days later if there is any typo in those sequence of numbers, or if US Bank could n't define it as a savings or checking account, they refuse the payment and do not notify the borrower in email, letter or online message that the payment was unsuccessful. They mark your account late and reverse the payment. In doing so they fraudulently back date the payment reversal to the day payment was made ( which is completely erroneous ). 

In my case, the payment was made on XXXX/XXXX/XXXX but on XXXX/XXXX/XXXX they reversed the payment. However, on their end they falsify the report stating is was made and reversed XXXX/XXXX/XXXX. Additionally, I receive a letter in the mail when payment is due, an email when payment is made and NOTHING is emailed, messaged or notified when the payment was unsuccessful. They also do not indicate why the payment didnt get applied. they can not definitively say it was a typo on inputting the data, or a outright error on US Banks end. 

This company is clearly doing this to erroneously add fees to consumers accounts. They are not trying to remedy this matter. It requires consumers to call them days/weeks later to try and figure out why they have refused the payment. Resulting in customer service not being able to tell you why, how or what cause the reversal. 

I believe US Bank is violating the FDCPA and FCRA. They should be investigated as not so many consumers are now aware of their deceitful acts as I am. They need to be compliant like all other lenders who are running a reputable payment option. I 've never seen something so antiquated and illegal occurring with what should be a big bank.
Consumer complaint received 2023-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (CA)

I wrote to USBank corporate headquarters. XXXX ( XXXX ) called me but was unable to explain why, since I increased my line of credit, I am now being charged a {$28.00} monthly service fee on my checking account when I wasn't previously. She left voice mail that was inadequate. I have called her and left XXXX mail 4 times starting XX/XX/XXXX and over the month of XXXX and she has not returned any of my calls. I contend that I should not now be charged this outrageous fee simply because I increased my line of credit. Or indeed, if this was to be a result of my increasing my line of credit, I should have received notification in writing of such, which I did not. Your assistance in this regard will be greatly appreciated. I have been a customer of USBank for over 20 years. 
XXXX
Consumer complaint received 2023-02-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (NV)

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 15 USC 1681. Account name : # XXXX XXXX XXXX XXXXXXXX, Account NUMBER # XXXX, ORIGINAL CREDITOR : XXXXXXXX XXXX XXXX XXXX XXXXXXXX BALANCE : {$170.00} has violated my rights. Account name : # XXXX XXXX XXXX  Account NUMBER # XXXX, ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX : {$680.00} has violated my rights. Account name : # XXXX XXXX XXXX  Account NUMBER # XXXX, ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX : {$680.00} has violated my rights. Account name : # XXXX XXXX XXXX Account NUMBER # XXXX, ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX : {$560.00} has violated my rights. Account name : # I C SYSTEMS, Account NUMBER # XXXX, ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX : {$380.00} has violated my rights. Account name : # XXXX Account NUMBER # XXXX, ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX BALANCE : {$1500.00} has violated my rights Account name : # XXXX Account NUMBER # XXXX, ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX BALANCE : {$1200.00} 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-10-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (CT)

In XXXX 2016 I faxed a letter to Experian with a copy of a letter that was returned to me as undeliverable with the address that was on my credit report. I asked them to remove XXXX from my credit report for inaccurate reporting. Nothing has been done yet. I have called and confirmed that they received the fax. They are refusing to delete and breaking the FCRA law.
Consumer complaint received 2017-01-04
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (CT)

Just read about deceptive experian/XXXX {$1.00} marketing and then charging $ $ for unwanted services. I 'm a senior citizen who they took advantage of by charging me hundred+ $ $ per month on my credit card for over a year before I realized what they were doing. I complained by phone but they were obnoxious and would not return my $ . It was XXXX of these XXXX companies but I can sure use your help getting my $ $ back. I 'm retired And told them at the time over the phone they were thieves to force a service I never enrolled for and had no use for. Please Help.
Consumer complaint received 2015-07-09
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: CITIBANK, N.A. (TX)

On XX/XX/2014 XXXX sent me a letter stating : Dear estate of ( my name ). The letter did not give me my mini-miranda rights nor did their letter state they they were a debt collector. 

I disputed the debt in a letter dated XX/XX/2014 and requested that they conduct an investigation and to send me the results. 

On XX/XX/2014 I received another collection letter from them with out receiving results of the investigation of my dispute on the alleged debt. The collection letter attempted to collect {$12000.00} and then it also stated to me : " You personally are not required to pay any of the debts from the estate. '' What estate if I am still alive and the the letter was sent addressed to me! 

XXXX Violated the FDCPA and the Texas Finance Code.
Consumer complaint received 2015-06-18
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (WA)

the rep with XXXX making home affordable got the chase rep on the phone in chase oh XXXX unit in XXXX since chase restructured my loan with no compliance with respa and TILA laws about the current loan modification that chase did on my loan in XXXX through XXXX XXXX, 2011 without my permission and then proceeded to manufacture defaults in the oh XXXX default management group in XXXX XXXX and XXXX otherwise knows as their scra/escalations dept headed up by XXXX XXXX. I have requested for chase to take me out of the default dept for over XXXX years and they refuse. the refuse to comply with the us dojustice XXXX dollar settlement agreement so that their execs like XXXX XXXX XXXX and XXXX XXXX XXXX who are reponsibile for all this alleged illegal conduct do n't go to jail. now the OCC has given chase mortgage aka jp morgan chase bank oh XXXX notice that they are not complying with settlement agreemetns or complying with Tila or RESPA laws of the u.s. government. I never applied for this loan beginning with XXXX and its predecessor was originated by XXXX XXXX chase by lying to me on the TILA documents as to the nature of the loan and that they and chase have created balloon payments on these loans without any disclosure and on the mortgage statement for this current number the XXXX year payment amount is based on a XXXX year mortgage loan instead of XXXX. I have no loan docs for this current loan number with no tila docs no respa docs no mortgage statements for a total of XXXX missing statements. over {$100000.00} of missing or unaccounted for funds with chase employees in the escalations dept in XXXX which was XXXX XXXX chase refusing to correct these problems and created them in the past under name of XXXX XXXX chase. and doing this to me as a XXXX veteran. 

they refuse to fix these problems and now the OCC announced that chase is not servicing mortgages properly and chase refuses to account for mortgage payments and has repeatedly put my payments in suspense accounts and manufactured defaults in their mortgage servicing computers while violating mortgage servicing uscfpb regulations and national mortgage settlements andus dojustice mortgage fraud settlements and my loan is a LIBOR loan where chase has now pleaded guilty to usdoj for LIBORprice fixing and is A XXXX BANK. today the statement appeared on chase screen that says they made property preservation disbursements but that does not appear on any mortgage statement or escrow accounting statement. there is no explanation for that and I demand a written explanation of what property preservation disbursements as advances means in English and it shows up on a mortgage or escrow sta tement.
Consumer complaint received 2017-04-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMCOL Systems, Inc. (NC)

For the past 6 months i have gone back and forth with a company that placed a collection account on my credit. I tried to call them only to be hung up on when i requested a manager. Then when i sent them a letter in the mail by way of return receipt, which they received it appears they want to now retaliate and have added another collection account on my credit.     I sent them another certified letter on  XXXX   XXXX  and i still have not heard back from them. I have now contacted the Federal Trade Commission and the Attorney General  Office. I will not be bullied into taking ownership of something that was not originated by me and i was never sought out first about the debt they just placed it on my credit which is a violation. I plan to exercise my rights pursuant to the FCRA in Federal Court  in the accounts are not removed by  XXXX   XXXX . I found an Attorney that has already sued them before in the past and won.
Consumer complaint received 2017-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (KY)

The XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX phone XXXX was the motel I rented a room for my son XXXX for 10 days at {$60.00} a night. They also were given {$50.00} in cash as a security deposit on XXXX/XXXX/XXXX. The merchant # was XXXX and store # XXXX. This was charged by me on my Discover Card XXXX on the same day. 

3-4 days later the owner evicted my son, since a visitor has come to his door, unbe knowings to my son of his visit. He verbally harassed my son to leave and we were never told there were no visitors allowed. I had to secure transportation to another hotel. The owner of the hotel would not give him any funds back. I also sent a letter with XXXX drivers license in the letter to the hotel, which they have never given this back to my son nor returned to me in the mail. 

I have spoken to Discover and the motel several times to delete the entire charges on my account. They want documentation, which did not happen since it was verbal abusive behavior. Discover has before refunded it and then adds it back on my checking account, which is now frozen. My mail is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and discover is XXXX XXXX XXXX, XXXX XXXX Oh XXXX. Thanks, XXXX XXXX and XXXX XXXX
Consumer complaint received 2015-10-06
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Penn Credit Corporation (GA)

I have received many calls from the company but always an automated response with no information about the debt. I have tried to contact someone from the company to inquire about the debt but they are unable to tell me anything about it. Appears to be a scam based on what I read online.
Consumer complaint received 2022-10-01
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: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  XXXXXXXX XXXX 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 consumer reporting agency can not furnish a account without written instructions.
Consumer complaint received 2017-08-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Optimum Outcomes, Inc. (NC)

Per optimum outcomes letter dated XX/XX/XXXX they stated, You have not made the requested payment. We thus will continue our collection efforts. I am exhausted with communicating with optimum outcomes and credit bureaus to have these items deleted off my record and credit report as these were covered by XXXX. I called Optimum Outcome numerous times from XXXX to present time explaining that balance from XX/XX/XXXX of {$27.00}, XX/XX/XXXX of {$52.00} and XX/XX/XXXX of {$55.00} totaling {$130.00} were covered by XXXX. I have also called original provider XXXX XXXX XXXX, credit bureaus XXXX, XXXX and XXXX to state that these dates of service were covered as well. Please be sensitive to the fact that on XX/XX/XXXX XXXX I went into XXXX XXXX XXXX. ; I was put into an XXXX XXXX primarily due to a procedure called XXXX. The procedure performed caused my XXXX XXXX to XXXX due to XXXX XXXX in my XXXX. My XXXX lasted from XX/XX/XXXX to XX/XX/XXXX ; hospitalizing me until XX/XX/XXXX. After hospitalization, I spent my recovery at home and felt well enough to start looking over my financials sometime in XXXX.
Consumer complaint received 2017-04-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (MO)

On Equifax, XXXX, & XXXX, I sent Certified Mail Manila Envelope On XX/XX/2016 with all my dispute Information with the creditors reporting my negative credit history to be remove it has been over 6 months, and they have not acted on this documentation to remove all my negative information thru my certified letters to each XXXX, Under The Fair Debt Collection Practices Act .They are breaking the law. They want me to start new disputes. Which is unnecessary. Because of the certified mail envelopes sent to them proving these companies never responded to my letters by certified mail with in 30 days, never responded to me at all under the Law Of the Fair Debt Collections Practices Act. So I need all this negative information remove now, been six months no response. Only open new disputes. I am not going to resend & spend my time, and money, When they have all this proof & documentation from XX/XX/2016 that i have confirmation they receive all the documentation.Please help I need all this negative information remove again under the Fair debt collection practices act. Thank you, XXXX If need can supply you with my more personal info, and documentation sent to the By certified mail, I am applying for a mortgage very important Thank you
Consumer complaint received 2017-03-04
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: AES/PHEAA (TN)

I filed for chapter XXXX bankruptcy XX/XX/2011. I did go to school after filing. Notice of filing was provided to the Federal Loan employees when they called every week. They have continued to report late history on my credit report. A call was placed to them two weeks ago to address the issue with reporting negative payments. The rep stated they would correct as payments should have not been reported. When the reports were checked, it was noted that the accounts were reported as current under negative account information on XXXX, and showing 11 missed payments for the past two years on XXXX and XXXX reports. They should not be reporting negatively to any credit bureaus due to the active bankruptcy. The information should also be reported under the correct sections of the credit file. I am asking that the company report the information accurately on all the credit files as it has really added to the negative standard of my credit score
Consumer complaint received 2017-03-01
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (PA)

My credit union mailed XXXX checks to XXXX credit card agencies. XXXX to XXXX, and XXXX to Citi. The check mailed to XXXX cleared on XX/XX/XXXX. Citi is stating the check mailed to them has not posted yet. I suspect they are delaying posting my payment to accrue interest on my account. I contacted Citi, and they were of no help.
Consumer complaint received 2017-03-07
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (OK)

Ditech personnel have called multiple times requesting different amounts to catch up and pay double payments to keep from foreclosure, but when I start to agree and make payments; then another call states somebody else is over account and no notations were made about agreement to pay and again threat of foreclosure and will not email or state anything in writing. just phone calls.
Consumer complaint received 2022-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

Last year I filed an Identity Theft report with the FTC and as a result placed security freezes and fraud alerts on my credit reports with the 3 major reporting agencies. Of the XXXX only XXXX allows me to access my reports and freeze online. XXXX and Equifax both deny me online access and Ive tried to resolve the problem over the phone and by mail but every time I request any reports or lifts or any information I have been denied. Ive submitted Identifying documentation but still havent received any help. Recently I even received two letters denying me credit and/or loans that I havent applied for. I request access to any application attempts for credit as well as access to my reports.
Consumer complaint received 2016-02-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

HI HOW ARE U MY NAME IS XXXX AND IM XXXX ABOUT MY CREDIT ITS AFFECTING MY HEALTH AND MY QUALIFICATIONS TO LIVE SUPPORT MYSELF.XXXX ,XXXX,AND EQUIFAX HAVE DENIED MY DISPUTES AND AT TIMES HAD THE WRONG INFORMATION ON MY APPLICATION.IM CURRENTLY SEEING A XXXX XXXX AND IAM TAKING XXXX DUE TO XXXX PLEASE HELP I FOUND U THRU XXXX MY CONTACT NUMBER IS  AND EMAIL IS XXXX.
Consumer complaint received 2017-03-14
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mendelson Law Firm (TN)

Noticed my check was being garnished but I never receive anything from anyone about who or why.. After making a few calls, I find out its Mendelson law firm. I call them on XX/XX/XXXX and they told me I had a balance of XXXX and that they would send a copy of the judgement against me. After looking over the copy they sent, it said that the judgement was for XXXX I 'm not sure when my check started getting garnished but i have each weeks check from current day to XX/XX/XXXX stating how much had been token out each week for a TOTAL of XXXX that is XXXX too much. I 'm not exactly sure when the garnishment started, it was sometime around XX/XX/XXXX but could have possibly been a week or so earlier. When I ask the lady on XX/XX/XXXX what the balance was she told me XXXX I spoke with the same lady again on XX/XX/XXXX she told me my balance was only XXXX I was confused as to how in 7 days did my balance get reduced by XXXX dollars in 7 days when my check was only being garnished of XXXX a week. The lady asked to call back. She called back in about 15 minutes and told me the original creditor was XXXX and the Mendelson had assumed the bad debt from XXXX. She also said that since I last spoke with her 7 days prior, that Mendelson had received one payment of XXXX something dollars and one that was a XXXX dollars. Again me being confused as to how they were getting XXXX checks when only XXXX dollars was coming out of my check each week, I asked her. That 's when she started telling me of assuming the bad debt. I think the whole firm is shady and may never stop trying to get money from my check. Oh and I think I fail to mention that the original judgement was dated XX/XX/XXXX.. I 'm not sure but I thought after a determined amount of time, these things expired
Consumer complaint received 2017-02-03
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (NJ)

Citicorp refuses to remove fraudulent inquiry from my credit report. the customer service is horrible and they LIE. Every single time i talk to someone from this company they acknowledge that the activity was XXXX and they tell me to give the credit bureau XXXX 30 days to update the info. 30 days to remove hard inquiry that was proven XXXX. and they after the 30 days never happens. I can prove ID Theft that dates before this date and even alerted XXXX that this application was not me immediatly after i received the Alert someone was trying to open an acct in my name. Citicorps 30 day excuse is getting old since it is nearly 6 months after the first time i was told it would take 30 days. see attached.