davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In 2015 I went to the atm and withdrew money from my bank account. I ended up overdrawing my bank account to about a total of XXXX. After it was overdrawn for a month, it was sent to collections, and this reflected on my credit report as a charged off debt. Then the bank Vice President, XXXX XXXX, decided to also call the police department and ask them to file a warrant on me. This is highly illegal. I currently have a lawyer working to resolve this issue.
Consumer complaint received 2023-05-23
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Malacko Law Office (IA)

I received a letter about a debt of {$77.00} for a radiology consultant. This came from a Minnesota law office called Malacko Law Office. I live in Iowa and it claims I had x rays XXXX XXXX. This is not accurate as the health organization I use sends me updates and payments through and app. The last x rays I had were XX/XX/XXXX XXXX XXXX. Then the insurance company from the man that hit me on XX/XX/XXXX accepted responsibility for all my medical bills after the accident.
Consumer complaint received 2022-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION (GA)

Back in 2016 I file for bankruptcy XXXX XXXX. I have a card with navy federal credit union. I have tried several time to reestablished my credit. I have applied for a secure visa under their program. They denied me for I had a incident, loss or problem with the card I put in the XXXX XXXX 

When I got my life together I dropped the XXXX XXXX  and what was owed to Navy Federal I paid in full. Through my checking account I have with them. I feel that Navy fed is discriminating and giving unfair treatment against me because I had to file a XXXX  XXXX that was filed because of excessive medical bills.
Consumer complaint received 2022-12-29
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC (FL)

On XX/XX/2022 at about XXXX I clicked a link on my phone that said to get " money instantly '' when applying. I had no idea what site this was from but it was matching me to a bunch of different vendors to see who could assist me. I clicked through one creditor that could offer {$800.00}. I was clicking through the pages and entering my data when I clicked to " agree '' I was brought to a page that said I would be paying an APR of 699.9856 % with finance charges of {$3600.00} for an {$800.00} quick loan. I panicked and wanted to immediately refuse the deposit, however my husband convinced me to keep the loan as we needed the cash for rent and that we could pay off the loan way before paying thousands of dollars on it. At the time I didn't even realize this was a payday loan. I never even visited this lender 's site. Now after visiting their site and seeing their privacy policy of : " Aaniiih Nakoda Finance , LLC DBA Bright Lending is an entity formed under the laws of the XXXX XXXX XXXX Community of the XXXX XXXX XXXX of Montana ( the XXXX ), a federally-recognized and sovereign American XXXX XXXX. Bright Lending is wholly-owned by the XXXX. Bright Lending is a licensed lender authorized by the XXXX XXXX XXXX XXXX. '' They don't even sound like a legitimate business company. Today, I called and revoked my ACH authorization after I have already paid this company more than what I borrowed. I have paid them {$1200.00} from an {$800.00} loan. I asked them to please close this account and cancel this debt as I would be contacting my attorney and filing suit against them. I have a XXXX  daughter and a husband and rent my home. We live paycheck to paycheck with no savings and very little money in the bank. I need assistance in closing this account and I am not against helping others who are also in my situation get justice from companies like Bright Lending who think it's ok to make a customer pay them {$4400.00} from a {$800.00} loan. Thank you for your time. I have my loan agreement attached for you to browse and share with anyone needed.
Consumer complaint received 2020-11-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: TRUIST FINANCIAL CORPORATION (CA)

Consumer Financial Protection Bureau, after careful review of my loan I was under the impression Regional Acceptance Corporation ( RAC ) was a helpful organization. However, they pray on induvial with poor credit and provide an unfair subprime loans practice. Granted when your facing financial hardships it shouldnt come at such a higher cost of subprime loans. There are well over 2,460,316 reviews on Consumer Affairs are verified this is a common practice of this organization. As an American who has always worked his way up the ladder of life. I have always tried to do what is right and fair by my fellowman. These subprime loan sharks must stop someone must put an end to this type of practice. 

On XX/XX/XXXX XXXX XXXX statement my XXXX XXXX XXXX was a total loss from fire damage, awarded {$11000.00} for the total value of the car. 

The car was purchased from XXXX of XXXX XXXX preowned vehicle with taxes and licensing total cost was {$27000.00} I have made a total of 42 payments = {$27000.00}. During the 4 years of payments, I have requested loan payment deferments, thinking the Regional Acceptance was helping me during these down times. However, what I didn't understand I was being changed a Daily Accrued rate of 17.965 % accumulated to an additional {$18000.00} in interest payments and still going daily. My payments was not being applied to the principle, but only to the interest payments. 

The car has been completely totaled the Insurance owns the title and paid off the value of the Vehicle. I have made several attempts to work with RAC. I've had conversations with managers, and they are not willing to write off the vehicle which at this point doesn't exist. I'm sure they have taken out a policy on the loan and can write this off with a very sizable profit. 

In my conclusion I'm seeking help for how to deal with this matter. I have seen well over a quarter of million claims against this Regional Acceptance Corporation ( RAC ) and their practices. What can your organization do to assist with this matter? 

Thank you for your time.
Consumer complaint received 2022-07-18
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CCM Finance LLC (TX)

To whom it may concern, my automobile was stolen by CCM XXXX Finance in the form of a " Repossession '' for the second time this year of 2022. On the XXXX day of XX/XX/2022 I requested a payoff to be sent to me in the mail to the address on file and I have never received it. Today, the XXXX day of XX/XX/2022 is when CCM XXXX  Finance has stolen my automobile for the second time after I, the consumer, have exercised my rights to rescind in pursuant to 15 U.S. Code subsection 1635 " Right of rescission as to certain transactions '' in the form of a contract made by I, the consumer, a Debt Validation letter. I, the consumer, sent the letter via Certified mail through USPS on the XXXX day of XX/XX/2022 to CCM Finance lien holder address XXXX XXXX XXXX, XXXX Tx XXXX. I then received confirmation via Green Return Recipe, that the Debt Validation letter was received and signed by XXXX XXXX on the XXXX Day of XX/XX/2022. Also, the tow company XXXX XXXX, who was authorized by CCM Finance to steal my automobile on the XXXX day of XX/XX/2022, left destruction to my families private property while doing so. On CCMFinance.net, when I log into my account on their website it shows " You have no active accounts associated with your profile '', " There are no payments '', and " You have no scheduled payments ''. To close on this statement that I have Done in good faith, Without Prejudice, and All Rights Reserved.
Consumer complaint received 2019-03-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (NC)

Our mortgage payment has remained the same for quite a while. Recently I noticed a small decrease in our monthly payment which was then ( after three months ) followed by a significant increase in our monthly payments. As I investigated the reasoning for this I discovered that the monthly PMI was being paid for in random ways. For example, it may not be paid one month and then be billed twice as much the next month. At one point there were four months worth of PMI paid for from our escrow account a one time. While this was occurring we were informed that there was an escrow shortage. Our monthly payments were increased by just over $ XXXX/month. The lender is unable to explain why the PMI has been taken erratically, why there is an escrow shortage, and can not justify the amount of the monthly increase. Numerous calls to the company have resulted in no results and continued promises to investigate that are not accomplished.
Consumer complaint received 2019-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (OR)

I have been trying to transfer my American Express membership rewards to airlines for 3 weeks ( from XX/XX/XXXX ), but the system keeps showing " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' I tried to security message customer support who wanted me to call their Membership Rewards team and the MR team said they can't do anything about that and won't tell me the reason why my account is under review. 
I then filed a CFPB complaint and American Express released my rewards on XX/XX/XXXX stating they have completed the review. I redeemed some of my rewards to airlines on XX/XX/XXXX, but American Express FROZE my rewards AGAIN on XX/XX/XXXX. I only had normal spending on XX/XX/XXXX and really don't understand the reason why American Express put my account under review AGAIN. This is really frustrating.
Consumer complaint received 2020-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I went through a bankruptcy back in 2019 and noticed some accounts that were in my bankruptcy are still showing on my report and needs to be removed. This is an FCRA 609/611/623 violation. The Following accounts are listed : CAPITAL ONE BANK USA NA # XXXX CAPITAL ONE BANK USA NA # XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2023-03-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: NAVY FEDERAL CREDIT UNION (IL)

During XXXX Of XXXX  I Opened A Navy Federal Credit Union Account, After A while I Quit My Job Working On The XXXX Vehicles For The XXXX XXXX In My City. I Used XXXX  Search Filters To Find New Jobs & Came Across A Career Option As A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After Doing This For A While The Company Will Pay Me Using Gift Cards & Never Will Set Up My Direct Deposit As Requested As I Start To Get Stressed With The Gift Card Pay Every Week I Told The Company I Was Looking For Another Job Cause I didnt like the payment methods & knowing i will need paystubs and proof of deposit to my checking account after explaining this the company told me they will be sending me a bonus check to deposit into my bank for almost XXXX $ i continued to work once i received the check i immediately went to my bank ( Navy Federal Credit Union To Deposit ) Days Later The Company Asked For My Account Information To Verify My Check I gave it To Them after that the so called boss called and said the check was over writing i need to send the money back i told him that it was still in my bank im waiting it to clear im sorry i thought it was my bonus check he respond no not that onewe need the money sent back immediately he checked my account and told me to go withdraw XXXX $ and send it on gift card i did so trying not to lose the XXXX immediately after that i felt that was XXXX mistake a employer can make i went to XXXX  did research on the job and omg everything said XXXX scam i was so lost they had locked me out my account navy federal fraud department line was so long so i hung up and i walked in bank got help filled out forms and NFCU havent got my account fixed since
Consumer complaint received 2019-03-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2019, received an alert notification from Experian that an account from XXXX XXXX XXXX was added to my report. I did not receive written notification from the company before added to my report. Also, I have never done business with this company, therefore, do not owe this company.
Consumer complaint received 2022-05-13
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. (SC)

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. 


According to the FCRA legally unverified and unauthorized inquires must be removed from my credit report. 

Inquires are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-11
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

XXXX XXXX XXXX have claimed that I owe them XXXX dollars and told be to pay them by using prepaid cards. And is currently saying that they will sue me if I do not pay, but I remember paying it off, or so I thought. Below is the email they sent me : LEGAL ATTORNEY Mon, XX/XX/XXXX, XXXX XXXX  ( 3 days ago ) to me This is ACE XXXX XXXX XXXX XXXX XXXX it is a parent company which owns and operates more than 350 parental payday loan websites- XXXX  XXXX XXXX , XXXX  XXXX & XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX  etc. You have used one of them to get this loan approved and you never bothered to pay this debt, so the creditor wants to know your intention about this matter of yours. What would you like to do? The principal amount was {$300.00} and now with the late fee and taxes it includes the Attorney charge, NFS Charge, Affidavit Charge, Rate of Interest the initial amount of {$300.00} goes up to {$980.00}. 



We are talking about the loan amount of {$300.00} that you took with the company ACE, they do have a signed copy of the contract which is signed under your email address XXXX and also would like to mention your computer 's IP address was also traced when you were signing the contract with the company. The company has more than 14 technical pieces of evidence in order to prove the money was successfully deposited into your bank account.

We have settlement amount for you : 1. If you can make a one-time payment of {$400.00} by today then we can close your case file with this amount only. 

2. If you are looking for bi-weekly payment then you have to pay a total amount of {$500.00} with payment arrangement and you can pay {$100.00} bi-weekly till paid in full.

3. If you are looking for monthly payment then you have to pay a total amount of {$600.00} with payment arrangement and you can pay {$200.00} monthly till paid in full.

Kindly let us know what type of payment arrangement you are looking for.

Do provide us with the date on which you can pay so that we can update your account. 



We would like to update you that once you will pay off the balance thereafter we will provide you a Full And Final Payment Receipt stating that your account has been paid in full with XXXX balance and you are no longer a debtor for the company. Also we will remove your name from the Major Credit Bureau.

Do revert back for any queries, And I said it's okay, that I don't mind paying in off, but there is no way I will do prepaid cards, especially one that I do not know. I would rather pay in check, debit card, or cash order if needed. I just never knew that I had a debt still, since they took money out of my account repeatedly
Consumer complaint received 2019-05-06
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: MoneyLion Inc. (AL)

My bank account online ID was hacked and someone managed to change my XXXX  account password in XXXX. When I realized my account was hacked I worked with the bank to change my account ID and password, and I filed a fraud report on XX/XX/2019 with XXXX ; I don't know if someone had my SSN or not. Right around that time I noticed a Moneylion transaction in my bank account trying to withdraw {$500.00}. I contacted the bank and had them cancel that transaction. I closed my bank accounts and had new ones set up. Now I have a Moneylion account on my credit report at the three reporting agencies that shows a delinquency record. This is severely hurting my credit ( XXXX points! ) and the credit bureaus only say they contact Moneylion to verify it's real, but it is absolutely not even if Moneylion thinks it is. Someone must have opened an account in my name or something. This is a fraudulent account at Moneylion and I can't seem to fix it. I've searched the web for other cases like mine and I actually have seen a bunch out there with almost the same exact situation. I'm kind of at my wit 's end not knowing what to do and this is really hurting my credit right now and affecting my legitimate loan requests. It looks like the XXXX  has also revoked Moneylion 's business as there are too many complaints similar to mine. I'm hoping you can help. Thank you.
Consumer complaint received 2021-03-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmeriCollect (WI)

Americollect sent me to collections, PRIOR to investigating the dept. 

XXXX XXXX  Fire Department ( XXXX XXXX XXXX ) sent me a bill. The problem was, the address was incorrect. I never received the bill nor did I receive any phone calls. 
I NEVER received a phone call message. 
The first that I was made aware of ANY outstanding bill was XX/XX/2021 when the " Collection '' appeared on my credit report. I IMMEDIATELY paid the bill via XXXX XXXX XXXX ( Conf number XXXX ) As you can see, Americollect sent me a bill ... but AFTER the debt was already paid. Apparently, the original billing department had my address listed in XXXX WI and not in XXXX, WI. 
I have sent Americollect an email and have not received a response of any type.
Consumer complaint received 2021-03-29
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bridgecrest Acceptance Corporation (SC)

Bridgecrest Acceptance Corperation does not follow The Truth In Lending Laws 15 usc 1601.This is another refusal to pay, I feel like my privacy as a consumer has been breached at this point. On XX/XX/2020 I entered into a consumer credit transaction with XXXX and they transferred it to XXXX Bridgecrest Acceptance Corporation XXXX They are wrongfully trying to benefit from my open end credit card that I used to initiate this consumer credit transaction. This is also another written refusal to pay. XXXX is in violation of the law, and violated the contract when they took cash in a consumer credit transaction with a finance charge involved XXXX XXXX XXXX  When I paid the finance charge they did not include my insurance and all the other fees they were suppose to. When I disputed the debt and asked how was it valid and to verifiy it, they never told me who the name an address of the original creditor is pursuant XXXX XXXX XXXX ( XXXX ) ( b ). They just sent me a letter telling me its valid and they verified it. That is not validation by federal law. This company is civilly liable pursuant 15 usc 1640 ( 2 ) ( a ) ( i ) which is twice the finance charge, and they also are criminally liable for willfully knowing these things pursuant 15 usc 1611. I also asked them show me why I owe them a debt and why is it valid and verify it they lied about the original creditor and said I still owe a debt. I want them to do right by me as a consumer by federal law.
Consumer complaint received 2019-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IN)

I legally changed my name in Indiana on XXXX XX/XX/2019 from XXXX XXXX XXXX to XXXX XXXX XXXX. Ive applied for a VA Loan and the lender Im using is having trouble with getting my credit report from Experian. They havent updated it yet and since it doesnt match my legal name its holding up the loan process. 

Ive tried multiple avenues with Experian and have been unable to reach someone to help. Its been a frustratingly maddening process and I end up right back where I started when trying to solve this. Please help.