davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (TX)

This company has been calling my mother 's home for the past few months, upwards of 3 times a day. It's some woman that keeps calling. Every time my mother would pick up, she would say " she's not here may I take a message '' and they would respond " no '' or " I'll call back '' and hang up in my mother 's face. Well finally someone mentioned who they were and yes, I was livid. I have already received a letter from these people, but I am unemployed, as I have been for several years now. How in the XXXX did they get her phone number and why are they harassing a XXXX year old woman? The constant hanging up in her face, calling in the morning, afternoon and evening hours only to hang up and leave absolutely no name? Stop calling her! I have your letter and once I am employed I will definitely make a payment but these folks have no right to keep calling. I've already contacted the state attorney general ( Texas ) but I may take the extra step and contact the one in California since they are located out there according to their address. Stop calling my mother! NO MORE PHONE CALLS! I will respond as soon as my finances allow!
Consumer complaint received 2024-08-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2022-12-26
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Climb Credit Inc. (WA)

During the year 2020, I was laid off and couldnt make any payments. They let me make interest only payments for only 6 months and wouldnt extend it until I found a new job. I asked for my loan to be forgiven also due to the school foreclosure due to abuse of the GI Bill and Washington state not renewing their license. ( Article : https : XXXX ) Since I have yet to find a stable full time job, Ive paid the minimum. They made my account almost go into collections because they put the full balance due as the minimum payment. My tuition was $ XXXX that guaranteed me to get at least career path assistance, which Ive never received and guaranteed me to find a position offering at least $ 20/hr. Climb credit investco is a scam along with XXXX XXXX XXXX XXXX XXXX in XXXX XXXX
Consumer complaint received 2022-12-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

BANK OF AMERCIA CREDIT CARD FRAUD ON XXXX REFUSES TO CREDIT MY CLAIM FOR {$22.00}, ON XXXX, AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. FRAUD REPRESENTAIVE SAID " THATS IT. OTHER FRAUD WAS REPORTED FOR RESTRAUANT SERVERS AND CREDITED MY ACCONUT. XXXX OF THESE SERVERS USE MY CREDIT CARD INFORMATION. 

XXXX. CREDIT CARD FRAUD REPRESENITIVE STATED THE FIRST TIME THAT THEY DIDN'T FLAG IT OR DID THEY THE SECOND TIME FOR FRAUD.
Consumer complaint received 2022-12-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I have $ XXXX with Capital one and they are failing to pay the advertised interest rates. They told me on a recent recorded phone call that their calculation is ( Account Balance Interest Rate 365 days in the particular month ). If this is true, they have been shorting me over {$100.00} per month. No matter how you calculate it, they are giving more than a quarter percent LESS than their advertised APY. This is criminal and should be investigated, not just for my account but everyone 's savings account. No one should have to worry that Capital One is shorting them on their interest balances. Every representative I spoke to said they can't explain why it's less and they are not allowed to give me the actual dollar amount I'm supposed to receive. This also means I am missing out on compounding interest for every month that they give me less than they should. They need to adjust the balance NOW to correctly reflect the interest I was supposed to be paid based on my account balances and also account for the missed compounding interest and pay me the difference. This also needs to be rectified to prevent this from happening in the future. Reporting to the OCC as well. It's not unreasonable to ask to be paid the rate they are advertising.
Consumer complaint received 2022-09-28
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: EQUIFAX, INC. (CA)

I recently did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 


XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX DEPT OF ED/XXXX Account Number : XXXX DEPT OF ED/XXXX Account Number : XXXX DEPT OF ED/XXXX Account Number : XXXX XXXX  XXXX XXXX XXXX Account Number : XXXX DEPT OF ED/XXXX Account Number : XXXX Also, In accordance with the Fair Credit Reporting Act, the list of accounts above have violated my federally protected consumer rights privacy and confidentiality under 15 U.S.C. 1681.

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

15 U.S.C. 1681 Section 604 A, Section 2 States a consumer reporting agency can not furnish an account without my written instructions. 

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 reason to believe that the information is inaccurate.

15 U.S.C. 1681c ( a ) ( 5 ) Section states no consumer reporting agency can make any consumer report containing any of the following items of information Any other adverse item of information, other that records of conviction of crimes which antedates the report by more than 7 years.
Consumer complaint received 2022-09-28
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Fairway Capital Recovery, LLC (KY)

On Wednesday, XX/XX/2022 on or about XXXX, I received a phone call from a unknown woman debt collector representative at Fairway Capital regarding two accounts. As we were talking, I told her that we have different perspectives about the two accounts, regarding the XXXX XXXX which, I had an verbal agreement with the doctor that he will help me with my bill and with the XXXX XXXX XXXX XXXX ambulance service. I told her that I already had given the car insurance information to XXXX who is a XXXX of XXXX government billing official. In an inappropriate unprofessional tone of voice and demeanor, the unknown woman caller became short with me after telling her, that this is an insurance matter since my car insurance company under Kentucky law ( PIP ) is responsible for paying for the ambulance ride. I gave XXXX my claim # with XXXX XXXX XXXX insurance company. Following me telling her we have different perspectives about these matters, she said " I am going to report that you are failing to pay '' and hung up on me. At no time, did she cooperate or allow me to dispute the debts, or allow further time or in other words, freeze my accounts until the insurance company got back with her with payment. Therefore, I called Fairway Capital back minutes later and talked to Representative named XXXX. I told him I want Fairway Capital to validate alleged debts owed, account numbers etc. and reported the misconduct of the previous representative and wanted him to report this incident to the higher ups. At no time, did I indicate that I was refusing to pay. Her telephone etiquette, behavior/demeanor alleging that she was going to mark it down that I was Refusing to pay appeared to be abusive in nature and a threat to harm my credit or get me sued financially.
Consumer complaint received 2024-10-20
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: MOHELA (OH)

Applied to the School Misconduct Discharge and was denied with a vague response, as follows : " We have completed a review of your application and have determined your applicable private student loans are not eligible for discharge due to the following reason ( s ) : XXXX  carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school '' Requirements and factors are not defined and are hidden. Need explanation of such as I am a member of other discharges for other loans that were made for this same school that defrauded me.
Consumer complaint received 2022-12-06
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: NCB Management Services Inc. (VA)

In accordance with the fair credit reporting act, NCB MANAGEMENT SERV acc # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-03-30
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: EQUIFAX, INC. (MD)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : XXXX XXXX ( Account # 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 2024-10-10
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (FL)

To : Consumer Financial Protection Bureau ( CFPB ) Formal complaint regarding inaccurate credit report Dispute of duplicated collection and balance inconsistencies Dear CFPB I am submitting this formal complaint regarding errors and inaccuracies found in my credit report issued by XXXX. Specifically, the issues outlined below are negatively affecting my credit history : XXXX. Duplicated debt : My credit report reflects XXXX accounts related to a personal loan from XXXX XXXX, which does not accurately reflect my credit situation. This duplication is incorrect and misleading, and it violates the Fair Credit Reporting Act, which mandates that only truthful and accurate information remain on my credit report. 

XXXX. Balance inconsistency : A collection reported by LVNV Funding LLC shows a balance of {$9600.00}. However, the original creditor, XXXX XXXX, lists a balance of {$15000.00}. This discrepancy in reported amounts is completely inaccurate and must be corrected immediately, as it represents a false and misleading entry on my credit file. 

XXXX. Inaccurate information from the creditor : XXXX XXXX is showing XXXX separate accounts for the same debt on my credit report, which is causing confusion and damaging my XXXX XXXX. This not only results in an unjust duplication of the debt but also violates my rights under the Fair Credit Reporting Act ( FCRA ), which ensures that credit reports are accurate and complete. 

I am formally requesting the following : - That an investigation be conducted regarding the duplicated account reported by XXXX XXXX. 
- That the duplicated accounts and any other incorrect or inconsistent information be removed from my credit report. 
- That the balances reported by XXXX XXXX and LVNV Funding LLC be corrected to reflect the accurate information. 
- That any reference to the inaccurate debt be removed from my XXXX credit report, in accordance with the protections provided under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Additionally, please take into consideration that this information had previously been removed from my credit report, which has caused confusion as it was later reinserted, further violating my rights. 

I am attaching copies of my credit report with the errors highlighted, as well as any supporting documentation that XXXX assist in the investigation and resolution of this matter. 

Thank you in advance for your attention to this complaint. I look forward to having the necessary corrections made as soon as possible. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-12-06
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: Southwest Credit Systems, L.P. (VA)

In accordance with the fair credit reporting act, SOUTHWEST CREDIT SYS XXXX # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-12-25
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. (FL)

I submitted a request to validate a debt to the credit bureau and they didn't provide me with the correct validation that I asked for. Their response was insufficient and is reporting on my credit erroneously and affecting my livelihood
Consumer complaint received 2022-12-06
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: Security Credit Services, LLC (VA)

In accordance with the fair credit reporting act, SECURITY CREDIT SERVICE XXXX # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-12-06
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: VYSTAR CREDIT UNION (FL)

In accordance with the fair credit reporting act my rights as a federal protected consumer has been violated. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 U.S 1681 c-2 15 U.S 6802 15 U.S 1681a- 2 Exclusions does not include report containing information solely as to transactions or experiences between the consumer and the person making the report.
Consumer complaint received 2022-12-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION (SC)

Due to the many violations and illegal practices I wont let happen to me, I have entered more complaints than one may like. You guys keep allowing companies to duplicate complaints as if they fixed the problem the first time. A person will not keep complaining if the problem got fixed. In this case the problem has never gotten fixed. Therefore, Navy federal continues to commit more fraudulent activities on my closed account, How is that possible? How is it possible for navy federal to transfer money to a charged off account? Navy Federal has done many things concerning my account without my knowledge or consent. I was not told my account was not accessible. I was not aware of the illegal credit transfers that have continued to happen. Even after sending a letter to rescind, also a letter explaining my unaware decision I made concerning this contract which under law trumps the entire agreement. It is illegal for Navy federal to have their members thinking there are no funds in there account, their account has been terminated. Behind the scenes Navy Federal has been transferring frozen for over a year now. How is that I work for my money and Navy federal agents can lock me out of my account and steal my money? I have gotten behind on bills, I have had to sell many items just so that I can survive. While Navy federal uses my money in my account to satisfy their cooperate needs! It is illegal for a closed charged off account to still have activity. Better yet, they enclosed the money is going to credit, where and how is the balance getting decreased? This is the main reason why this account has been flagged as fraudulent. Navy federal has yet to acknowledge that they misinformed me about where the loan actually came from. The loan was taken out of my name as if they were going to pay me back. I have not received a check from Navy federal from taking a loan out in my name. Furthermore, Navy federal led me to believe I no longer had an account with them all while still using my money and liying to the credit bureaus. They report to the bureaus that the account is still active and still being payed on. It seems like to me this proof that navy federal owns this debt. That is illegal i dont care. You cant take someones money not tell them and use it to your full advantage and i as the consumer does not receive any benefits from this situation. If anything this is tarnished my reputation! Its your job CFPB to stop these companies from running all over the consumer who in which has the rights. The bureaus are being gave false reports each month and no one is doing anything about it! I give the CFPB to collect evidence to support my claim.
Consumer complaint received 2022-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK (NC)

I recently reviewed my credit report and noticed that Discover reported me 30 days late in XX/XX/XXXX. This was shocking to me because I value my relationship with Discover and have always paid this bill on time. The only thing I can think of as to why this payment may have been late is because I had a bad case of XXXX in XXXX of XXXX and I may have missed the payment due to being sick, or I may not have received the monthly statement. This 30 day late is impacting my credit score and I am hoping you can help by removing this late payment from my credit report. Doing so will be greatly appreciated and will allow me to secure the financing i need for my business.
Consumer complaint received 2022-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In accordance with the Fair Credit Reporting act. XXXX XXXX XXXXXXXX, violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A.

States I have ( he right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account wilhout my writen instructions.