davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-24
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (WI)

The details are as follows : My account with The XXXX at XXXX XXXX was settled before XX/XX/year>. 
I informed XXXX both verbally and in writing that their information was incorrect and advised them to contact their client ( The XXXX at XXXX XXXX ) for verification. 
Despite my efforts, XXXX representatives continued to contact me repeatedly. 
On XX/XX/year>, I received a letter from XXXX stating they would report to the Credit Bureau. On the same day, I sent an email to XXXX with the account number they provided in their letter. 
On XX/XX/year>, XXXX reported to the Credit Bureau without proper verification from their client, the original creditor. 
As a result of this inaccurate reporting, my credit score has been negatively impacted, dropping approximately XXXX points. 
our proposed resolution within 14 business days. 
This significant drop in my credit score is particularly damaging as I am currently planning to mortgage a home for my family.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

I am filing this complaint against XXXX, XXXX, and XXXX for reporting incorrect information on my consumer report. The only employment information that should be reflected on my report is my employment with XXXX XXXX and The XXXX XXXX. Any other information that appears on my report is inaccurate and must be immediately deleted. 

Legal Basis : 1. Michigan Consumer Protection Act ( MCPA ), MCL XXXX et seq. 

Under the Michigan Consumer Protection Act ( MCL XXXX ), it is prohibited to : ( XXXX ) Fail to reveal a material fact, the omission of which tends to mislead or deceive the consumer, and which fact could not reasonably be known by the consumer. 

By reporting incorrect information on my consumer report, XXXX XXXX, and XXXX are misleading and deceiving both consumers and third parties regarding my creditworthiness and personal information. 

2. Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq. 

The Fair Credit Reporting Act mandates the accuracy of consumer reports and sets forth the rights of consumers to dispute and correct inaccurate information. Relevant sections include : XXXX XXXX. XXXX ( a ) This section requires consumer reporting agencies to investigate disputed information in a consumers file. I have disputed the information on my consumer report, and the agencies have failed to correct or delete the incorrect entries. 
XXXX XXXX. XXXX ( b ) Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information. By including erroneous details on my report, XXXX XXXX, and XXXX have violated this section. 

3. Michigan Collection Practices Act ( XXXX ), MCL XXXX et seq. 

Under the Michigan XXXX Practices XXXX, it is unlawful to provide inaccurate or misleading information to a credit reporting agency : MCL XXXX ( XXXX ) Prohibits a person from furnishing false or misleading information concerning the creditworthiness, credit standing, or credit capacity of a consumer to a credit reporting agency. 

4. Federal Trade Commission XXXX ( FTC XXXX ), XXXX XXXX. XXXX ( a ) The Federal Trade Commission XXXX prohibits unfair or deceptive acts or practices in or affecting commerce. Reporting incorrect information on my consumer report constitutes an unfair and deceptive practice under this act.
Consumer complaint received 2024-09-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I recently deposited a check from work to my Capitol One Checking, it went through, got my funds and threw away my check. I didn't rip it but threw it away with other trash. Someone found the check and deposited it and they got the funds and my money was reversed. I called the bank and they advised me to get a new check and let my employer know so they can dispute it. I deposited my new check and the next day, i went to check my account, my funds are in but it now says my funds are locked. I called the bank this morning to see why, they say that the account is locked because there is an ongoing investigation and have decided to no longer do business with me and close my account. 
They didn't allow me to speak with a supervisor or investigator to send my money but just told me when the investigation closes they will send my money by check in the mail. This is all through phone call today at XXXX XXXX XXXX XXXX
Consumer complaint received 2016-01-23
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Adjustment Service, Inc. (GA)

Diversified Adjustment Service has placed a fraudulent trade line on my credit report in order to extort monies from me that I do not owe. I have ask repeatedly for Diversified Adjustment Service to validate the debt per the FCRA/FDCPA and they have failed to do so. There negligence is causing me personal injury. 

Account # / Reference # XXXX
Consumer complaint received 2016-01-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NV)

This dispute has been faxed twice already and I have had no response from the CFPB or Equifax. The information required has not been supplied as asked for. Until I get a satisfactory and accurate answer, this question/dispute will be repeated until it is answered. 
The CFPB has ignored my dispute in this matter.This account is being reported by Equifax as " OPEN '' while all other Credit Reporting Bureaus it is reported as " CLOSED '' Equifax is to explain why?
Consumer complaint received 2016-01-23
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I went to use one of my Capital one visa card and the transaction was denied. I had a second different branded capital one credit card. I then tried to use this card. It was also decline by Capital one. I then called capital one to see what the problem was and was told my credit card accounts were closed today. I asked them why and I got a vague answer and they said they could not give me any other information. I have always made my payments on time and there are no problems with my account. It appears that Capital one is Capital one offers a rewards program that is like a bait and close program. You get a high percentage for rewards but after a period of time if they see they will not make a profit on the account by looking at your buying patterns they close the account. Probably an illegal practice. The right federal agency has n't taken notice of this practice yet, but they should. What if some one was traveling thing their Capital one account was in good stand and Capital one closed the account as they did mine with no notice. They would be stranded. Consumers should all be treated equally fair. Capital one does not do this ands is running a scam on the consumer.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX Last 4 of SSN : XXXX  Date : XX/XX/year> To : Human Trafficking Victims XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Immediate Blocking and Deletion of Accounts under FCRA Section 605C Dear Sir/Madam, I am writing to formally request the blocking and deletion of certain accounts on my credit report due to my status as a victim of XXXX XXXX, specifically debt bondage. As a result of this exploitation, several fraudulent accounts were opened in my name without my consent. I have attached a Trafficking Victim Determination Letter, an FTC Identity Theft Report, and my proper identification to substantiate my claims. 

In accordance with th

e Consumer Financial Protection Bureaus guidance and the Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ) of the Trafficking-Debt regulations, these accounts must be blocked and deleted within four business days as stipulated by section 605C of the Fair Credit Reporting Act ( FCRA ). Please delete the following accoun
ts from my credit report immediately : XXXX. XXXX XXXX XXXX Account # : XXXX XXXX. XXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXXl Account # : XXXXXXXX XXXX XXXX XXXX  Account # : XXXX XXXX. XXXX XXXX Account # : XXXX XXXX. XXXX XXXX Account # : XXXX XXXX. XXXX XXXX Account # : XXXX These accounts were fraudulently established and are a direct result of my victimization. I trust that you will process this request promptly and in full compliance with the law to mitigate the damage to my credit history caused by these illegal activities. 

Please confirm in writing once these accounts have been removed from my credit report. I appreciate your prompt attention to this urgent matter and your cooperation in helping me reclaim my financial identity. 

Sincerely, XXXX XXXX
Consumer complaint received 2016-01-23
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (NY)

I have multiple private student loans with Navient. I have been in numerous agreements on monthly payment plans. I was threatened that if I did not make a settlement payment I would face legal actions as would my co signers. I examined that financially j could not make such a payment and they continued to harass me, my employer, my husbands employer, my Mother in law, even my next door neighbor. I finally had to borrow the money and paid them {$8000.00} down. I requested a receipt and explaination as to how this payment was being allocated and the new payment plan l. I never received anything o asked for and then they continued to harass me and asking me for another large settlements. This is absolutely ridiculous. When I have no problem making realistic monthly payments. 
Then sometimes they withdraw 2 times for same payment and do not reimburse me. This is out of control and does not seem to be legal! I need it to end
Consumer complaint received 2016-01-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (PA)

I have previously submitted a complaint about Shellpoint deliverying confidential information, including demand letter and intent to accelerate letter to my home which is not my mailing/billing address of record. My home is currently occupied by a family member and just today a messenger went to the home and asked to speak with me and advised my family that it was regarding a delinquent payment ( incidently it was for XX/XX/XXXX payment which is in their system to be paid, leaving the account 22 days past due. 

I complained before when they sent a messenger, and shared private and confidential information with someone other than myself. I asked them to cease and desist sending documents and people to this address and they have not even had the professionalism or business courtesy to respond to my complaint. These people are incompetent and have a loan shark mentality for collecting or barely delinquent payments. Unacceptable
Consumer complaint received 2016-01-23
Product: Payday loan — 
Issue: Can't contact lender — 
Company: DLC, LLC (NV)

I received a call from Dollar Loan Center about a payment. The Caller ID stated " XXXX XXXX XXXX ''. The call came from XXXX. I do n't have an issue with receiving the call, but it seems very misleading and deceptive to use the title of a XXXX for debt collection.
Consumer complaint received 2016-01-23
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc. (HI)

I leased a vehicle from a local Chevy dealer in XXXX, TX in XXXX XXXX. I turned in the vehicle ( XXXX Chevy Traverse ) in XXXX XXXX after having made all my monthly payments on-time via eletronic funds transfer and closing out the lease having paid it out in full with the vehicle returned with no damage. GM Finance told me upon turn in that the automatic electronic funds withdrawal for the monthly payment would end automatically and no further action was required by me. In contradiction to this, GM Financial continued to deduct the $ 500 monthly payment for the next two months for a total of {$1000.00} in overpayment. As soon as i noticed the problem ( on or about XXXX XXXX, XXXX ), i called GM Financial, requested they immediately deactivate autopay and refund the {$1000.00} to my account. The call center rep informed me it would be about 4 weeks of processing time before I would receive the check. When in XX/XX/XXXX I had still not received a check, I called GM Financial to check on status. They then told me they were still in the process of verifying the vehicle status and it would be another XXXX weeks before they determined disposition. I called again in two weeks and was told they acknowledged the overpayment and would be mailing a check to me in about two weeks. Not having received a check by XX/XX/XXXX, I called again on or about XXXX XXXX. At this point I asked to speak with a supervisor who told me the check was being processed and would be mailed on XXXX XXXX via registered mail. I called again on XXXX XXXX not having received the check. GM Financial told me their system reported the check was cashed on XXXX XXXX, a check that i have never received. This fact should be readily in evidence at GM financial by checking their records to see who and where the check was cashed. The supervisor told me they would expedite resolution and keep me informed. I 've now called back three more times on XXXX XXXX and XXXX XXXX and no supervisor has provided any information
Consumer complaint received 2016-01-23
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Empowerment Ventures, LLC (GA)

I made transaction on my Rushcard that resulted in lost funds and interactions with very rude customer service agents and a rude dispute department. I made several transactions that are not showing up in my account. They are telling me that these transactions were never made against my account - Pending XXXX XXXX XXXX - {$67.00} Transaction ID : XXXX Pending XXXX XXXX XXXX - {$67.00} Transaction ID : XXXX My bank statement does not show these transactions but they were made to the company identified in the information about the transactions. 
I want to have a repair of my bank statement done and find out why my debit card was altered to no show these transaction and why my account is in the negative. 
I was allowed to make transactions on my account when it clearly showed that the account was in good standings. However, later changes where made that made the account go in negative standings. I also had problems with my transaction with XXXX on XXXX XXXX, 2015.
Consumer complaint received 2016-01-23
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have not been able to access my accounts with merrill lynch for over a year. In XXXX of 2014 I was locked out of my Merrill lynch XXXX account. I have called the bank for over a year bi-weekly. I have gone into the Bank of America branch at least 10 times. 

The bank is refusing to allow me access to my money, my bank statements or allowing me to shut down the accounts and have my money issued to me. 

I have spent countless hours for almost a year and a half trying to get records and access to my funds. They have refused to help me and tell me to go into bank, I go into bank and they tell me to call. I no longer want to do business with this bank and want my money. I also need my bank statements.
Consumer complaint received 2016-01-23
Product: Prepaid card — General purpose card
Issue: Adding money — 
Company: AMERICAN EXPRESS COMPANY (TN)

The company promised free reloads upon initiating my account, but has suddenly started to charge {$3.00} for each reload at any participating location. I received no notice of change in fee schedule and did not agree to nor was aware of unauthorized changes to fees alleged by the company.
Consumer complaint received 2016-01-23
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO. (CA)

I signed up for the promotional rate of 0 % on XXXX/XXXX/15 for 21 months and there was a 2 % charge at that time for the balance transfer. Chase is stating that I signed up for a 0.99 % rate for 7 months which I have never signed up for such a short term promotion in my life. I was not paying attention to the .99 % interest they were charging but when It jumped up to 10 % I noticed. I consider this a bait and switch.
Consumer complaint received 2016-01-23
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Van Ru Credit Corporation (MD)

I had an outstanding balance for a medical bill in the amount of {$240.00} that went to collections in XXXX, XXXX. Van Ru Credit Corporation had obtained the debt and seeked payment. I began paying off the bill gradually with a final payment of {$70.00} made on XXXX XXXX, XXXX. Once I made the payment, I received no more letters and phone calls. On XXXX XXXX, XXXX at XXXX ET, I received a call from Van Ru Credit Corporation requesting a payment for the amount of {$70.00}. I repeatedly told the representative that the balance had been paid in full with a Confirmation Numbrer verifying the payment made. The representative had then begun to harass me, completely ignoring that I had mentioned numerous times that I had made the payment. She then completely gave up and transferred me to a Supervisor who then seeked payment for the balance owed. I told the Supervisor 5 Times that I had made the payment and have a confirmation number. The supervisor kept over-talking me every time I said I made the payment. I then told the Supervisor either you accept the Confirmation Number or this call will end. I then gave the Supervisor the Confirmation Number and the call ended. On Friday XXXX XXXX, XXXX between XXXX and XXXX, Van Ru Credit Corporation called me repeatedly 4 Times. I then called them only to talk to another representative. I told her I made a Payment to bring the account Paid in Full with a Confirmation Number. The representative kept saying I still owe the money as she could n't find a confirmation number in my record and that I must pay it or the calls will not end. I asked the representative by request a Letter validating the remaining balance owed of {$70.00} and she kept ignoring my request and persisted in requesting a payment to be made. I then told the representative that By Law, I am allowed to request a letter in writing verifying and validating the debt owed to Van Ru Credit Corporation. The representative decided to say that a letter will be sent. I asked how long it will take to receive the letter? The representative said " When I get around to it, you will get it. ''
Consumer complaint received 2016-01-23
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Residential Credit Solutions, Inc. (GA)

Hello I send a complaint last month about Residential Credit Solutions. I was following up to see if there was any results. I do n't want to lose my home. I was asking about a mortgage that was discharged in a Chapter XXXX and still being charged the full amounts of the loan. My mortgage was sold to Residential Credit Solutions from XXXX XXXX XXXX. My mortgage amount should be much lower from my records of payments to XXXX XXXX XXXX and Residential Credit Solutions. On my credit reports, Residential Credit Solution, reports my mortgage as " XXXX ''. However, according to Residential Credit Solution payoff amounts, it is almost the same as the original cost of my home, which was {$95000.00} in 1993, when I purchased my home.
Consumer complaint received 2016-01-23
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: U.S. BANCORP (MD)

elan financial put negative information on my credit report that i owe that money {$5000.00} dollars, the failed to verify any contract or prove how I owe them.. The failed to validate this debt that is not owed by me. I have written several letter to them. All XXXX bureau that i owe this debt to prove this debt with documents or contract according to federal law.
Consumer complaint received 2016-01-23
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I have a credit card with Capital One. I asked them to remove a " 30 day late '' pay as a show of goodwill towards me. I 've read articles that suggested to do this, and I 've seen other credit card companies do it. Capital One said that they could not remove the " 30 day late '' pursuant to the Fair Credit Reporting act. I understand that creditors are required to report accurate data ; but can they do customers a favor by removing a " 30 day late '' from the customer 's payment history?
Consumer complaint received 2016-01-23
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (LA)

I apply for annualfreecredit report, your website said i received my credit report that not true? if could you provide me with the date and what address you sent it to? I have n't receive a credit report this year nor have i submitted a application for until today. XXXX XXXX, 2016 Friday
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!