davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IA)

Name of Furnisher : XXXX XXXX amount {$700.00} Collection Agency reporting incorrect Info : XXXX XXXX Date I made pmt : XX/XX/XXXX cashier 's check from bank was mailed to XXXX XXXX XXXX. 
The debt collector from online has ha it of taking peeps money and not providing clearance letters for their report. 
XX/XX/XXXX - Filed dispute with XXXX. They did not update report. 
XX/XX/XXXX Filed dispute with Experian.
Consumer complaint received 2022-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HW Holding, Inc (IA)

Name of Furnisher : XXXX XXXX  amount {$700.00} Collection Agency reporting incorrect Info : Hunter Warfield Date I made pmt : XX/XX/XXXX cashier 's check from bank was mailed to Furnisher XXXX XXXX 
The debt collector from online has ha it of taking peeps money and not providing clearance letters for their report. 
XX/XX/XXXX - Filed dispute with XXXX. They did not update report. 
XX/XX/XXXX Filed dispute with XXXX.
Consumer complaint received 2023-01-30
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. (PA)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-01-30
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (NC)

I requested {$200.00} to solve an issue. The company sent {$600.00} in my account. I wanted to pay the {$600.00} back immediately as it can not solve the issues. They wanted me to wait and pay {$320.00} each month for 8 months. I have been telling them I want to pay immediately your {$600.00} but they have been refusing to take the money. I can not pay {$320.00} per month for a loan of {$600.00}. 
I communicated with them via emails and phone.
Consumer complaint received 2020-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BBVA FINANCIAL CORPORATION (TX)

I have bank accounts and credit cards with several different banking institutions and utilize online banking apps with each. BBVA has the worst online banking app platform. It is not user friendly and difficult to navigate. When attempting to make a credit card payment on the app, I received a message that there was an error and the payment did not go through, so I attempted to make the payment a second time on their website. Still another error message. I then called and made the payment with a representative the same evening. He said there was no payment made online nor did he see any attempts. Naturally I made the payment with him. A few days later, 3 payments were taken out of my bank account!!! I was hit 3 times with a very large credit card statement even after being told by a BBVA representative that my previous two attempts did not go through. I have additional complaints about this bank but will submit a second complaint separately as it deals with COVID. I am a XXXX XXXX and XXXX XXXX XXXX by occupation and will never the recommend this bank to my clients or the community. Their online banking system and app is outdated and light years behind the rest of the banking industry. 

Each time I have called I have made it a point to let the representatives know how difficult and non-user friendly their online banking system is. More than one representative told me that they get that complaint a lot. I asked them to please note my specific complaints so their technology department could receive the feedback.
Consumer complaint received 2021-01-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NAVY FEDERAL CREDIT UNION (TX)

During my service in the United States XXXX, I sustained a injury that grew to be more significant. I fell during a dismount patrol in XXXX in XXXX. We were on a small COB with no xray equipment. All medical personel who treated me thought that it was just aXX/XX/XXXXI had fell and myXX/XX/XXXX was stuck in a position on my rifle and when I fell, It was on top of it with my XXXX bulletproof vest. Fast Forward to XX/XX/XXXX. After a couple sharp pains in my XX/XX/XXXXwhile picking up items, we went got it XXXX XXXX. The found a gap in my XX/XX/XXXXwhich is the foundation of your wrist. I let NFCU know about it and that it would hurt me financially because the XXXX was rushed. I asked for other payment options from the representative but the only answer given was " To keep them informed because there was no other options, this continued into XXXX which was a nightmare. The first XXXX didnt work due to error from a dr from the VA and they had to go back in. they were taking XXXXXX/XX/XXXXfrom different sites trying to repair it which was painful. I was in and out the hospital all XXXX due toXX/XX/XXXX from all the different sites and had to get hospitalized due toXX/XX/XXXX from all the XX/XX/XXXX. All of these times this bank is reporting late and I was never given a forebearence or any other options. It sincerely saddens me that NFCU never listened marked late payments and completely deteriated my credit. Veterans like myself come back from serving with injuries sustained physically and mentally and since NFCU is a veteran focused financial institution I would think they would understand the fight that we face returning back to the states. I gave notices and was fighting for my light sometimes during XXXX. My surgeries did not end until XX/XX/XXXX when I received XXXXXX/XX/XXXXin my dominant XX/XX/XXXXnow that I can not move and does not have any range of motion. I think this injury does give me enough XXXX and XXXX. NFCU should consider correcting my history due to I was hospitalized and in and out of my house. If I was the only person I was taking care of I would not of been late but I have XXXX children and between me being hospitalized and unable to provide, making sure my children can eat was the only reason I was late to ensure their fed.
Consumer complaint received 2021-02-08
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: Experian Information Solutions Inc. (NC)

On XXXX I pulled my 3 free credit reports from XXXX and after looking through my Experian credit report, I noticed some discrepancies and violations of my rights as a federally Protected consumer under Title 15 Chapter 41. I sent Experian a written dispute ( attached ) which they received on XXXX informing them that they were infringing upon my rights as a federally protected consumer. In this correspondence I informed them of rights that I had under Title 15 Chapter 41 and they ignored those rights and verified accounts on my report that should have never been on my report in pursuant to 15 USC 1681a ( 2 ) ( B ) which states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( l ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Notice congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction disputed. All these disputed transactions should be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ). 

The accounts in reference to the dispute are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-28
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: AMERICAN EXPRESS COMPANY (FL)

I received a XXXX alert on XX/XX/XXXX, that an unknown person applied for an American Express Credit card using my personal information without my permission or authority to do so. I contacted American Express and advised them that I did not apply for a credit card and they advised that they would indicate that the credit application was fraud. I was assigned reference # XXXX. The phone number called to dispute the issue was XXXX and I spoke to the company representative XXXX. 

I received a follow up call from American Express on XX/XX/XXXX, that my original request made on XX/XX/XXXX, was not processed. I made an additional request that the case be marked as fraud and that this information be noted to the file. XXXX, the person I spoke with, advised that the file will now show as declined and indicated as fraud. 

I have contacted XXXX and placed a freeze on my account for any future transaction relating to my personal information.
Consumer complaint received 2023-01-12
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. (NC)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 602 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 or information, other than records of convictions of crimes which antedates the report by more than XXXXXXXX XXXX 

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 2023-01-12
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with cash advances
Company: CITIBANK, N.A. (AZ)

THE HOME DEPOT APPROVED ME FOR A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) AND ON THE APPROVAL LETTER ITS STATING THAT GIFT CARDS CAN BE PURCHASED WHEN I RECEIVED MY PERMANENT CARD ( XXXX ) IN THE MAIL. THE HOME DEPOT IS TELLING ME OVER AND OVER VIA PHONE CONVERSATION THAT MY ACCOUNT CANT BE USED FOR GIFT CARDS. THIS IS A VIOLATION OF MY CONSUMER RIGHTS WITH ARIZONA LAW AND FALSE ADVERTISEMENT ON THE COMPANY BEHALF.
Consumer complaint received 2023-03-28
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TRUIST FINANCIAL CORPORATION (CO)

I paid off the loan, and actually overpaid the loan, with Sheffield within XXXX month of buying the trailer. They charged me {$37.00} for XXXX month of interest in a loan that had an annual rate of XXXX XXXX and will not refund the overpayment or give me the title. 

When I call, I'm transferred to multiple people and then put on hold for more than XXXX minutes at a time. 

They are not helpful and something's not right about this company. It's like pulling teeth to get to the right person or talk to anyone who can or will help.
Consumer complaint received 2023-01-30
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: Experian Information Solutions Inc. (TX)

THIS COMPLAINT IS DUE TO EXPERIAN NOT RESPONDING AFTER 8 MONTHS OF RECEIVING MY DISPUTE LETTER REGARDING AN INACCURATE ACCOUNT THAT THEY HAVE BEEN REPORTING ON MY ACCOUNT. I HAVE BEEN PATIENT FOR THE LAST FEW MONTHS, BUT IT HAS BEEN ENTIRELY TOO LONG AND I HAVE NOT RECEIVED AN UPDATE OR ANY DOCUMENTATION VALIDTATING HOW EXPERIAN IS REPORTING THIS ACCOUNT AS SUCH. THEY ARE REPORTING XXXX XXXX XXXX AS A REPOSSESION AS WELL AS A VOLUNTARY REPOSSESION. HOW DOES THIS MEET FCRA REGULATIONS? ALSO, THIS WAS NOT A REPOSESSION THE ACCOUNT WAS PAID SO I AM CONFUSED WHY EXPERIAN HAS INCORRECT INFORMATION WHEN XXXX AND XXXX ARE REPORTING THE ACCOUNT AS CLOSED AND PAID. BEING THAT THIS HAS BEEN ONGOING FOR 8 MONTHS I AM DEMANDING THE DELETION OF THIS ACCOUNT OR FOR IT TO BE UPDATED TO PAID AND CLOSED. I WILL BE SEEKING LEGAK ACTION FOR THE MANY VIOLATIONS OF THE FCRA IF THIS IS NOT UPDATED ACCORDINGLY. I WILL ATTACH THE LETTER THAT WAS SENT 8 MONTHS AGO.
Consumer complaint received 2021-05-19
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

I am writing in order to complain about the handling of a fraud case on my Capital One account. Capital One denied me the fraud complaint that I had opened up and rebilled charges back to me. 
The incident in question happened overseas while I was traveling in Pakistan on XX/XX/2021. I had a bag that had my wallet, mobile phone, drivers license passport copies etc that was stolen when I traveling from XXXX to XXXX at the airport. The suspect proceeded to use my credit card fraudulently of an amount {$6300.00} When I discovered, I immediately went to the police station and reported the situation to the police who took and registered my complaint. I was issued a formal police report ( which I have attached ) on XX/XX/2021. I had repeatedly gone to the police department sooner but the process to get a report took a long time. 
I subsequently forwarded the report over to capital one and was told the case was still being denied stating that because I had a previous fraud case they were not able to honor this one. I pushed them for proof of culpability and reminded them of their legal obligation to protect their consumer in this situation. They didn't care and were not able to offer anything else except denial of the case. I dont think capital one handled this case professionally.
Consumer complaint received 2023-01-12
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. (VA)

On XX/XX/XXXX I disputed many items off my credit in which the credit company violated my consumer rights. XXXX XXXX balance of {$10000.00} is showing on my credit report for a repo which violates law UCC 9 PART 6 ; No pre sale letter sent before car was repoed, Repossession deficiency letter was not sent before Repo reported to creditors. The credit reporting agency marked it as updated XX/XX/XXXX. This item should be removed off of my credit after disputing it for this reason. 

XX/XX/XXXX XXXX disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  late payments reported on open accounts that violate consumer law 15 U.S, Code 1681a, 15 U.S. Code 1666b and 15 U.S. Code 1681i. results came back as update.

Dec 23rd 2022 I disputed Capital One Bank under violate consumer law 15 U.S, Code 1681a, 15 U.S. Code 1666b and 15 U.S. Code 1681i. reporting agency updated and did not remove. 

XX/XX/XXXX I disputed a public record XXXX XXXX bankruptcy XXXX reporting agency listXXXX XXXX XXXX XXXXXXXX VA XXXX as the people whom reported information to them. This was in fact falseXXXX XXXX XXXX XXXXXXXX does not share any information with any credit reporting company this is found on their website as well if you call which again violates me as a consumer under law 15 US CODE 1681A, 15 US CODE 1666B AND US CODE 1681i.

I am asking that all of these items be removed from my credit report if not i will seek legal advice on moving forth in court due to my rights being violated.
Consumer complaint received 2021-07-06
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: Experian Information Solutions Inc. (TX)

To someone in a position of authority, I am making a formal complaint because XXXX XXXX XXXX has placed information on my report without my consent, and without validating the debt. I reached out to this company over 4 months ago and I still have not received a response. I informed them that they were violating 15 U.S.C. 1681a ( 2 ) ( B ) as they were supposed to exclude information from my report that was authorized by a credit card. I informed them of this violation and they have not responded to my correspondence. Additionally, I asked them to validate the debt they are reporting on my consumer report with Experian ; I made a formal complaint with Experian, and XXXX XXXX XXXX and they both failed to show proof that this debt that they are reporting belongs to me. Because they failed to validate the debt with sufficient proof, they are in Violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. If I continue to be ignored about this matter I will proceed to seek litigation and remedy for {$1000.00} per violation for defamation of character, Negligent Enablement of Identity Fraud, and Violations of 15 U.S.C 1692g. I demand these accounts be deleted from my experian report within 5 days, or I will move forward with litigation and remedy. I also demand that that an updated report be mailed to me. Any actions taken to hinder my consumer report will also result in me seeking litigation and remedy. Thank you.
Consumer complaint received 2021-05-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (AL)

Mr. Cooper is up to its old tricks again of force placing flood insurance despite having been provided the evidence of coverage in a timely fashion!!!!! THEY FORCE PLACED FLOOD INSURANCE AT A COST OF On XX/XX/2020 we made your Condo Flood Insurance payment of {$850.00} to XXXX XXXX XXXX HOWEVER, THIS IS A CONDO FOR WHICH THE ASSOCIATION PAYS ON A TIMELY BASIS AND FOR WHICH I HAD UPLOADED THE CERTIFICATE TO MR COOPER IN A TIMELY BASIS!!!!! THIS NEEDS TO STOP!!! THESE PEOPLE CONTINUALLY ATTEMPT TO GAIN UNEARNED REVENUES VIA THESE INSURANCE GAMES!!! IF THEY DON'T FEEL THE CAN GENERATE SUFFICIENT REVENUES VIA SERVICING THEN THEY NEED TO GET OUT OF THE BUSINESS ALTOGHETHER!!!!
Consumer complaint received 2021-05-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was contacted by XXXX, and other Bank of America customer services representatives who were falsely representation Bank of America employees at the 1-800 call center on the back of the card. they all stated that their was fraudulently activaty on my Bank of America account in the amount of {$6000.00} U.S. Dollars. They all stated that I needed to provided my full social security number as well as my home address and other various forums of personal identity in order to look up my account. After, I refused and ended the call from the support center of Bank of America. I was then immediately called by the imposter of Bank of America again and had my life threaten if I did not comply with what they were asking me for in terms of my personal pin, password details, and social security as well as home address personal information. I have also been locked out of my account. Any help with this personal matter is greatly appreciated.
Consumer complaint received 2020-07-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (MD)

In nine transactions from XX/XX/XXXX to XX/XX/2019, an unknown person made what SunTrust describes as a " check card purchase '' for either {$1300.00} or {$920.00} at locations in XXXX, XXXX, or XXXX. The total value of the unauthorized check card purchases was {$11000.00}. 

SunTrust returned {$8300.00} on XX/XX/XXXX, reversed the credit on XX/XX/XXXX causing the checking account to be overdrawn, and than transferred the negative balance without authorization to a credit card that we did not know existed. 

SunTrust refused to close the checking account, leading to subsequent overdraft fees of {$150.00}. 

SunTrust did not provide requested information to law enforcement to assist with an investigation.