davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (OR)

I've recieved two letters from collection agency National Credit Adjusters ( 1st dated XX/XX/XXXX, XXXX XXXX dated XX/XX/XXXX ). Both letters were a general debt collection settlement offer. Letters did not include correct information as required from FCRA. I responded to both of the letters ( sent via USPS certified mail ) with a debt verification request. I never heard a response back but company has continued attempting to collect reported debt in violation of FCRA. I've attached letters and proof of delivery.
Consumer complaint received 2022-08-21
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Hello, My Capital One Quick Silver issued on XX/XX/XXXX came with a {$200.00} signup bonus along with 1.5 % cashback on any purchases made. 
After using the card, I've accumulated {$330.00} Rewards Balance until around XXXX of this year, XXXX. 
At some point, they locked this account while my other credit card with them was unaffected- and told me to send copies of ID, utilities, social security card. This which I wasn't comfortable of sending especially online. 
On XX/XX/XXXX they closed my account without informing me that the bonus {$330.00} cashback will be forfeited or annulled if I won't send them those documents. 
I've spoken with a Supervisor on XX/XX/XXXX, name was XXXX, and he told me he'll try to convert that cashback into Miles - usable with my other credit card with the company, a XXXX XXXX, that was unaffected by this situation. Yet today, XX/XX/XXXX, I was informed that cash back is lost for good and nothing can be done about it. 
I was left with a sour note especially that I have used this company for such a long time and always had nothing but praises for them and recommended them to all of my friends, but this experience left me with a sour note. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-08-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Blackhawk Network Holdings Inc. (GA)

I want to file a complaint with your office about gift card fraud and identity theft, where I lost {$160.00} after register my card online. 

I brought the gift card from XXXX for {$200.00} and received it on XX/XX/2021. I register at XXXX that was back on the card ; after entering the web address, it directed me to XXXX, and later found it was a fake website and stole my money on XX/XX/2021. 

I called the number XXXX on the back of the card on XX/XX/2021, and the customer service representative said that I end up going to a fake website after I enter the actual website on the back of the card. I was unable to login into the website site, I have enclosed a copy of the transaction history that company sent me via email. 


I only use the card at XXXX on XX/XX/2021 and XXXX  on XX/XX/2021 is when I notice that just {$3.00} was on it. 



My account number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX
Consumer complaint received 2021-08-25
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. (MO)

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 2021-07-15
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: World Acceptance Corporation (AL)

There are inquiries on my report from these companies that I do not recognize. I have made an attempt to contact the company to have it corrected and to prove that it was fraud without resolve. I have filed a formal police report in XXXX, AL. The case number is XXXX.
Consumer complaint received 2022-02-10
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: Experian Information Solutions Inc. (CA)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Consumer complaint received 2021-08-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (IL)

In XX/XX/2020, I was scheduled to close a refinance with another lender, servicer. 

Mr cooper services my current mortgage. Upon notification of my close they stated to my closing agent, they need a month to process my documents. 

One month later, they reported they lost my stock certificate and lease and need another month to complete an affidavit. 

Once that was done, in XX/XX/2020, I no longer qualified due to more stringent credit requirements that XXXX XXXX, the holder of my note, had, due to covid. 

In XXXX and even as late as XXXX I was able to close had Mr. Cooper completed their responsibilities. 

I have had to continue paying a higher interest rate and {$300.00} more per month since this occurred. 

I have asked Mr Cooper on three distinct occasions since XXXX to account for their actions and how they plan to remediate my losses due to their negligence and they will not answer me. 

Their attorneys, XXXX XXXX also refuse to answer. They are stonewalling me on purpose. I have received lip service from their consumer affairs dept and no follow up. They have violated their own statements on three consecutive requests for information that it will take them 20 to 25 business days to respond, which they never completed, nor followed up formally.

I'm going to file a lawsuit against them and their attorneys and file with Tx and IL at XXXX, and XXXX the CFPB.
Consumer complaint received 2022-02-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I XXXX XXXX XXXX XXXX XXXX Pursuant to 15 USC 1692c. ( c ) ( 2 ). Am invoking my specified remedy as a consumer, and I demand Transunion to obey the law and remove PRIVATE INFORMATION from my consumer credit file. Pursuant to USC 1681 ( a ) ( 4 ). A consumer has a RIGHT to privacy. I hasn't sent proof of this illegal action as well as exhibits. Govern yourselves accordingly.
Consumer complaint received 2021-09-10
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. (GA)

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Consumer complaint received 2022-02-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (FL)

IC Systems has advised XXXX that they have " verified '' and " validated '' this account, and indeed have not. There was no initial communication in oder for me to respond or dispute said item. IC System is willfully being negligent and non-compliant with attempts to collect and report alleged debt. 

Per 15 U.S. Code 1681c2, this information is to be BLOCKED and removed within 4 days of receipt as it is a result of identity theft. 

I want to be explicitly clear with my request. I am not requesting verification of debt ; but instead, I am requesting validation of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have this account reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. 
Starting 4 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice. 

By responding that you have received my complaint and request, that will guarantee a contract to have said items properly addressed within the next XXXX business days.
Consumer complaint received 2021-08-25
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: GLOBAL SOLUTION BIZ LLC. (TX)

XXXX is a rep for this company XXXX extension XXXX. to stop reaching me since my business went under after the pandemic happen, i try and keep up after i took the loan I made 5-7 payments, however my company went under. now this company is reaching out to my relatives, all over the states that they have a legal case against me, on a text message knowingly that they are reaching a third party. with the excuses that this message is for XXXX XXXX or XXXX XXXX XXXX. revealing there is debt owed. 

my relatives have received over 60 phones calls and over 30 messages. 



i wish then to stop harrasing my relatives and discussing my business with third parties they have violated several laws in references of collections practices and TCPA laws.
Consumer complaint received 2021-08-03
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My edd prepaid debit card was stolen in XXXX I called Bank of america to report stole the close that card and sen new one was supposed to have around XXXX on it I get the card it won't activate an they froze my acct and that canceled the claim I did everything to verify my identity they ufroze my acct and they keep denying my claimi sent police reports copy my driver lience and they still say no error and deny again there is much miscommunication difference story eventide I call to try and get my money back th act like it's a joke and tell me they rode my acct to protect me never hourning the zero liability could y help get my money back
Consumer complaint received 2021-08-25
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: First Texas Auto Credit, Inc. (NY)

On XX/XX/2021 at around XXXX in the morning First Texas Auto Credit illegally repossessed my vehicle from me when the vehicle is fully paid for!!! I sent First Texas Auto Credit a affidavit of truth citing the law and they repossessed my vehicle. 
Again I will state everything all the violation that First Texas Auto Credit has made ... ... 15 usc1692i States - any debt collector Who brings any legal action on a debt against a consumers shall - ( 1 ) In The case of action to enforce an interest in real property securing the consumers obligation, brings such action only in a judicial district or similar legal entity in which such real property is located ; or ( 2 ) in case of an action not described in paragraph ( 1 ) Bring such action only to judicial district or similar legal entity- ( A ) in which such consumer signed the contract sued upon or in which says consumer resides at the commencement of the action. ( b ) nothing in this sub chapter shall be construed to authorize the bringing of legal action by debt collectors .... 1692h ... defined Payment in commerce is defined as the performance of duty or Obligation or discharge of debt or liability Also 12 usc 411 it is also illegal for anyone outside the federal reserve board to use federal reserve notes ( FRNs ) they have been demanding FRN as a form of payment ( Art. 1, Sec 10, clause 1of Thr constitution. ) I made clear of the law and violations that First Texas Auto Credit has done with valid evidence and they have stolen my vehicle from me ... .. The consumer use with reference to a credit transaction characterize the transaction as one in which the party to whom credit is offered or extended is a natural person and the money property or services which the subject of the transaction are primarily for personal family or household purposes! Which I have Numerously made very clear to First Texas auto credit! My Vehicle had been fully paid for and this is fraud!!! 15 usc 1692g ( c ) The failure of a consumer to dispute the validity Of a debt under the section may not be constructed by any court as an omission of liability by the consumer!!! Next 28 USC 3002 consul for United States either you work directly DOJ or any applicable agency and if youre not with said agencies you are private as in every state Attorney General every debt collector attorney no one has a direct contract to collect obligations and services of the United States 18 USC 8!!!! I demand my vehicle back with the full title, my family have endures enough pain and suffering behind First Texas Auto Credit lack of professionalism and complete violation of the law! we wasnt even given 72 hrs to recover our personal belongings in the vehicle. All of this as cause great teams to us, in these trying time during the current pandemic. They have made matter worst for us with their lies and fraudulent activities.
Consumer complaint received 2021-08-15
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: CAPITAL ONE FINANCIAL CORPORATION (CT)

Freud, I XXXX XXXX am a victim of identity theft from what I know since XX/XX/XXXX there has been many soft inquiries that were not made by me up to and possibly further of XX/XX/XXXX.
Consumer complaint received 2022-02-10
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: WELLS FARGO & COMPANY (CA)

WELLS FARGO DEALER SVC  / 30 days late 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Consumer complaint received 2021-08-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Weve received your complaint. 
Well send you updates about your complaint along the way, but you can track the status of your complaint at any time on your Consumer Portal. 

COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 Follow up. 

Capital has block all use of my debit and credit online. They refused to act swiftly to cance the XXXX hackers when I reported it within 24hrs and they said they could and didnt. They also obstructed evidence I sent by purposely avising me to email the wrong email ( XXXX ) Then they said they will call me in 2-3 this past week when I escalated the denied claims which took them longer than 10business days to sort out and they sent me no provisional credit after I was promised credit on friday the first week in XXXX Now I can no longer call anyone because I dont have a working checking, debit, or credit card all because of capital one misdirection and obstruction. I have fallen ill due to allthis and soon will have to goto hospital for an XXXX  XXXX  overload on myself and my family. I have XXXX  2x this week in my own home with the ac on due to XXXX  from capital one and hurt my head.
Consumer complaint received 2021-08-15
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: TRUIST FINANCIAL CORPORATION (GA)

I used my credit card to pay for an order with XXXX. I thought I used the wrong card so I called to cancel/dispute the charge. The charge was reversed and the money went back onto my card but then someone at suntrust sent the money again without my authorization. I had sent the money using a different suntrust account. So alibaba got paid twice. XXXX is saying the case is still open and suntrust just needs to get the money back on their end. The charge back is frozen. suntrust is saying the case is closed there is nothing they can do. This total amount of charge back is {$6300.00}. That is a lot of money that I have been missing since XX/XX/XXXX, XXXX case # XXXX and case # XXXX
Consumer complaint received 2021-08-15
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Halsted Financial Services, LLC. (CA)

Company has called me habitually and I have told them that I can not commit to a payment plan and they refuse to take my card over the phone unless I set up a payment plan. I highly dislike the fact that I have to send checks to them as they will cash them, but they will not let me just call and give them my debit card over the phone. When I send the checks they take over a month to process and cash. This is a horrible practice as I want to givre them money and I'm giving them what I can and they are not accepting my money as I cant financially commit at this time. If they are collections, they need to take the money that someone is attemting to pay. You cant tell someone they will take your money only if you can set up payments. If im calling to send you even XXXX dollars, you should accept it as I am trying to pay something.
Consumer complaint received 2021-08-07
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: Experian Information Solutions Inc. (MN)

The following public record and credit inquiries isnt my public record or credit inquiries : Bankruptcy Chapter XXXX-Discharged, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, and XXXX XXXX/XXXX, XX/XX/XXXX
Consumer complaint received 2021-11-25
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: EQUIFAX, INC. (WA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$8800.00} XXXX XXXX XXXX XXXX XXXX Balance {$3900.00}
Consumer complaint received 2021-10-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

THIS IS THE THIRD TIME IAM MAKING THIS COMPLAINT AND I THINK BANK OF AMERICA KNOWS THERE IS A PROBLEM WITH THE LOAN AND THEY ARE NOT TRYING TO ASSIST ME. 
THE PERSON HANDLING THIS CASE WITH BANK OF AMERICA IS XXXX XXXX. HER PHONE NUMBER IS : XXXX XXXX. 
SHE DOES NOT RESPOND TO MY CALLS EVEN AFTER SHE INFORMED ME THAT SHE WILL SEND ME EMAIL OF HER FINDINGS BY THE XXXX OF XXXX. WHEN I CALLED HER, SHE WAS AWAY ON VACATION. 
THE OTHER INFORMATION SHE GAVE ME WAS THE WRONG ONE AND SHE AGREED THAT THERE WERE TWO ( 2 ) ACCOUNTS THAT SHE SAW. i TOLD HER THAT THE OTHER ONE WAS THE ONE I WAS TRYING TO INVESTIGATE. 
AS AT THE PRESENT TIME, SHE HAS NOT EMAILED ME THE FINDINGS OR RESPONDED TO MY NUMEROUS CALLS. 
MY PROBLEM WAS THAT MY EX-HUSBAND HAD USED MY DOCUMENTS TO ILLEGALLY TAKEN A HOME EQUITY LINE OF CREDIT OF {$150000.00} ON MY HOUSE BECAUSE HE HAD ALL MT DOCUMENTS. BANK OF AMERICA WERE THE INITIATOR AND THEY HAVE THE COPIES OF THE DOCUMENTS. 
ALL I WAS ASKING FOR WAS THE BANK THAT THE CHECK WAS DEPOSITED AT THE TIME OF ISSUANCE AND A COPY OF CHECK. 
PLEASE ASSIST ME. 
THANK YOU.