davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-18
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: NCD Financial, LLC (CA)

NCD Financial LLC located in XXXX XXXX, Idaho is continuing to report late payments on my consumer report in violation of 15 USC 1681 2 ( A ) ( i ) Exclusions from a consumer report, which clearly states : The consumer report does not include information solely as to transactions or experiences between the consumer and the person making the report. This is how the law has been interpreted in XXXX XXXX : A late payment is considered a consumer transaction punishable with a late fee, not by reporting negative information on the consumer 's credit report.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (AZ)

On XXXX, XXXX  and XX/XX/2024, Discover Financial Services made an unauthorized " hard inquiry '' from all XXXX major credit reporting agencies. I asked that the hard inquiry be removed from credit report.
Consumer complaint received 2024-02-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (NJ)

XXXX XXXX has stated in XXXX that I am not responsible for this fraudulent account and that they would remove it from my credit and tell the debit collection agency, Transworld. Transworld is still looking for me to pay this fraudulent account which someone used identity theft. I have reached out to multiple government fraudulent sites and sent a lot of documentation stating this is NOT my account. I would like to get this removed from my credit report.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: I.C. System, Inc. (TX)

These accounts contained in my credit report do not belong to me. The dates that the account were open I was not having my own residence. I have been XXXX  for the past XXXX months and my car has been my residence. The dates were XXXX XXXX  and XXXX. These accounts are fraudulent. .The accounts do not belong to me.
Consumer complaint received 2024-02-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK (MI)

Discover Bank account closed and showed a balance of {$1000.00} that was payed in full on XX/XX/2024. Ive attached a letter to remove the item off of my credit report. 

XXXX  XXXX
Consumer complaint received 2024-02-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (MI)

Upon reviewing my credit report, I noticed that laws were being violated against me regarding these collections. After carefully reviewing my records, I can confirm that these discrepancies are not accurate representations of my credit history. I am disputing owing any and all debts to Southwest Credit Sysytem I am revoking all rights of them communicating with me through email/text or calls. I am requesting this debt be validated. I am requesting the purchase agreement between them and the Original creditor. I am also requesting the Collection agency to furnish proof that they are licensed and bonded and can legally conduct business in the state of Michigan. I have not been provided with validation information under 12 CFR 1006.34 ( b ) ( 5 ) but there has still been a collection placed on my consumer report. I have not been given the chance or opportunity to dispute any and all accounts associated with the company according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) The collection Agency is violating my consumer rights by using false and misleading representation and deceptive practices/means. Collection Agency has no authority to furnish any account to a consumer reporting agency without providing any and all disclosures required by law and hence in violation of 12 CFR 1006.34 ( d ) and code 15 usc 1681-s2 ( 7 ) ( A ) Thank you for your prompt attention to this matter. Section 623 ( a ) ( 8 ) : This section requires furnishers of information ( such as creditors and debt collectors ) to promptly investigate disputes forwarded to them by the credit reporting agencies and report the results of the investigation back to the agencies. These are some of the key provisions of the FCRA that govern the process of disputing inaccuracies on credit reports and ensure that consumers have the opportunity to correct errors and maintain accurate credit information. 

Southwest Credit Solutions is involved in several lawsuits for violating the rights of consumers.
Consumer complaint received 2024-02-12
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC (TX)

They did not tell me that my interest rate was going to be {$200.00} I didn't even know that that could be legal then charging so much money and it's like I pay and I pay and I pay and nothing ever comes off the the principal they're just taking money they're just stealing money from people like me and did I need it alone to get caught up with my bills and then to renew my contract my boyfriend would go in to give my money because I was sick with the XXXX  and she made him sign my contract and that wasn't even me he did it twice she told him that she needed it signed so he needed to sign it and last month l we're trying to make the payment and she said that I had to do it online so I try to make the payment online and the payment would not go through because it was telling me that my number was not good so until the next day we went up there they try to make us pay {$50.00} that we had to pay those {$50.00} late fee plus the 200.60 % of the payment it's still bad enough they're charging us that finance charge and it's so hard to pay and they don't understand they're not taking nothing out the principal it's been like this for months now and I would just like to see something done because I mean I don't have the money to be taken out you know and just paying them and paying them and nothing 's going off the principal nothing. In the company is TitleMax
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FC HoldCo LLC (AZ)

I am writing to address a matter regarding my account with FLAGSHIP CREDIT ACCEPTANCE Recently, I reported to all three credit bureaus that I have been a victim of identity theft. Despite my efforts to rectify this situation and providing the necessary documentation, I have observed that FLAGSHIP CREDIT ACCEPTANCE continues to verify the information in question. 

I wish to draw your attention to the responsibilities of furnishers outlined under the Fair Credit Reporting Act ( FCRA ), particularly sections FCRA 623 ( a ) ( 6 ) ( B ) and FCRA 605B. According to these provisions, when notified by a credit reporting agency ( CRA ) that a consumer 's identity has been stolen, furnishers such as XXXX XXXXXXXX have specific duties : Preventing Re-Reporting of Information : If a CRA notifies you that information furnished by FLAGSHIP CREDIT ACCEPTANCE is being blocked on a consumer 's credit report due to identity theft, FLAGSHIP CREDIT ACCEPTANCE must have procedures in place to prevent the re-reporting of such information ( FCRA 623 ( a ) ( 6 ) ( A ) ). 

Restriction on Debt Resulting from Identity Theft : FLAGSHIP CREDIT ACCEPTANCE may not sell, transfer, or place for collection any debt resulting from identity theft if notified by a CRA ( FCRA 615 ( f ) ( 1 ) ). 

Furnishing Information Regarding Fraudulent Accounts : Upon receiving notification from a consumer who is a victim of identity theft and providing an identity theft report, FLAGSHIP CREDIT ACCEPTANCE may not furnish information to a CRA regarding the fraudulent account or debt ( FCRA 623 ( a ) ( 6 ) ( B ) ). 

Prompt Notification of Inaccurate Information : If FLAGSHIP CREDIT ACCEPTANCE l finds that it furnished inaccurate information due to identity theft, it must promptly notify each CRA of the correct information and ensure that only complete and accurate information is reported in the future ( FCRA 623 ( a ) ( 2 ) ). 

Obligation to Supply Records : If FLAGSHIP CREDIT ACCEPTANCE l provides credit, goods, or services to consumers, it may be required to supply application or other transaction records to an identity theft victim or law enforcement officer upon request ( FCRA 605B ( f ), 615 ( g ) ). 

I trust that FLAGSHIP CREDIT ACCEPTANCE will adhere to these obligations under the FCRA and take the necessary steps to rectify the situation promptly. Please cease the verification of the disputed information and ensure that it is blocked from further reporting. 

I appreciate your attention to this matter and anticipate a swift resolution..
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

According to the Fair Credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 6048 section 2. It also stated consumer reporting agency can not furnish an account without my instructions under 15 USC. 1666B A Creditor may not treat a payment on a credit card account under an open and consumer credit as late for any purpose.
Consumer complaint received 2018-10-05
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (VA)

I had recently heard that switching to a bi-weekly mortgage payment can help cut down interest on your mortgage by adding an additional payment each year. The earlier smaller payments would help reduce the amount of interest accruing as well if its not held until the original due date. 

I contacted PennyMac to change my mortgage payment to a bi-weekly payment. I was told I would have to pay my entire months mortgage up front before they would allow me to swap to a bi-weekly payment system. I payed my mortgage 15 days early and wanted my bi-weekly payments to go into effect starting on the XX/XX/XXXX for the upcoming month. I asked the agent specifically if the payments would be effective immediately or if they would be held in an account. I was told they would be effective from the time of payment and would not be held in an account. 

A few weeks later, I am reviewing my payments and see that my first bi-weekly payment has not been applied to any principal or interest. I contact PennyMac again on XX/XX/XXXX and I am told that the payments will be held until the total sum of the bi-weekly payments is equal to the total mortgage payment. I am also told that if I want to cancel bi-weekly payments I will need to pay the full months mortgage in advance again. 

That has put considerable financial hardship on myself and my family. I am simply trying to be a responsible consumer and pay back my debt in a timely manner.
Consumer complaint received 2024-02-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital OneXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Adverse Action Dear Capital One, N.A.

I, the consumer, and natural person, was denied credit by Capital One, N.A. when I applied for credit.

Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by Capital One, N.A. due to response I received. Capital One, N.A. is in violation of 15 U.S code1642. U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith but credit was not issued. Furthermore, because my social security number ( credit card ) was used and Received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Capital One, N.A.

If Capital One, N.A. fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card, I will indeed make Capital One, N.A. criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o.

I will also Follow up with an invoice for said violations ( { {$1000.00} } per violation. ) Thank you. 
XXXX XXXX XXXXXXXX [ Agent/Beneficiary ] Without Prejudice. All Natural Inalienable Rights Reserved.
Consumer complaint received 2024-02-12
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc (CA)

In XX/XX/2023, I purchased 4 items from XXXX XXXX and financed by Affirm, of which 2 were returned. XXXX XXXX has not been cooperative with regard to my request for a refund of the returned items, and Affirm the finance company also refuses to resolve this. I have attempted numerous times to resolve this with Affirm, which only enticed me to open a case with them and file a dispute, however, only to learn that a week or 2 later that the very case I reported or charges I have disputed is closed without further clarification. 
I have asked that my call be transferred to a US branch but I am told that they can not provide a number based in the US. I need help obtaining my refund of {$940.00}. Affirm, that the finance company is charging me interest at a rate of 29.99 % for a loan to a product I have returned.
Consumer complaint received 2024-02-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (OR)

I have been having difficulty with the transition to my new loan servicer, MOHELA from XXXX through XXXX. There were many processing errors and conflicting pieces of information coming in daily from the servicer, and each day, my account would reflect new and often incorrect information. 

On XX/XX/XXXX, I was in a mandated forbearance from the XXXX administration, and checked my online MOHELA account to see the details of when that would end. While there, I saw my account stated I would owe a monthly payment amount of {$600.00} on the XXXX plan, which was an incorrect calculation based on my income. The amount was due on XX/XX/XXXX, yet my forbearance was said to end XX/XX/XXXX. Why would be forced to pay during a forbearance? 

When I checked the next day on XX/XX/XXXX, the account showed I needed to pay {$600.00} by XX/XX/XXXX now. My forbearance status was gone, my monthly payment amount was incorrect and unaffordable to me, and I was told I would need to pay in XXXX calendar days. I called that day, requesting to have my monthly payments recalculated, and in the meantime, they said they would apply a general forbearance because I was unable to pay. 

On XX/XX/XXXX, my account reflected a correct SAVE amount, and I called MOHELA and asked them to remove my general forbearance, that I was ready to pay. I was told it would take at most XXXX business days to remove the general forbearance, which would be XX/XX/XXXX. 

On XX/XX/XXXX, I received an email from MOHELA, stating my account had been placed in an administrative forbearance " for payments due between XX/XX/XXXX, through XX/XX/XXXX. You are not required to make a payment until XX/XX/XXXX and your account will not be considered delinquent. Be on the lookout for your next billing statement. '' I noticed that my account 's status did not change in the new year, so I called on XXXX asking why my online account still reflects a forbearance. Today, the MOHELA rep said I am not in an administrative forbearance, but still in the general forbearance, because it " takes XXXX business days to remove it. '' I asked to speak to a supervisor at that point, because they were again giving me different information than before. I was put on hold for about XXXX minutes, transferred to a recording, and then the system hung up. I do not have an answer as to why they said they would process the removal of the general forbearance in XXXX business days, then change it XXXX business days, and why it would take so long to process this, and why it was automatically overridden when I was put into an administrative forbearance. 

MOHELA has been unable to keep track of information accurately and has made so many errors my account so many times. I am hoping for a resolution. Thank you.
Consumer complaint received 2023-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I deposit a check for {$5000.00} into my checking account to WellsFargo Bank with a bank teller. My client wrote the check under my construction company name. The check was place on hold ever since that date because the bank wanted prof that the business name belong to me. On XX/XX/2023 the XXXX XXXX Registrar-recorder/county clerk register the business name under me. On Thursday XX/XX/XXXX i visited a WellsFargo branch and spoke to a business personal. I presented the legal documents to him to submit to the proper department so my funds can be release. Everything went well and he said to follow up with the WellsFargo customer service. On Monday XX/XX/XXXX, I called to follow up and apparently the represent whom I spoke to said that the documents that were submitted were fraudulent. That statement infuriated me because the documents that were submitted are totally legit. That bank personnel in customer service didnt take the time to verify the forms and falsely accuse me of some thing totally illegal. I will attached the documentation.
Consumer complaint received 2024-02-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (CA)

I have been dealing with this issue with the US bank for a year now and they still have not resolved this matter. My account was closed on XX/XX/XXXX and they issued me a cashier 's check which I did not receive. I contacted the bank and upon their investigation they discovered that the check was stolen and someone fraudulently changed the name and deposited the check into their account. ( That information was provided to me by the bank ). I filed a claim to get a replacement check and I have been waiting ever since to get my money back from the bank. The problem seems to be that no one is able to provide me with the correct information regarding my claim. I have reached out to the customer service also visited the branch so many times hoping to get some answers and get my money back. Last time I spoke to the bank they told me that I should receive the check some time in XX/XX/XXXX but that did not happen. I went to the branch office on XX/XX/XXXX. I was working with the client relationship specialist to find out what is going on and this is what I was told. ( refer to the attachment ) None of this make any sense. I just want my money back. This is very frustrating. At this point I want to take legal action regarding this matter.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX Balance : {$6200.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NC)

Hi there I had an issue getting my free annual credit report this evening I believe my report is being blocked, held due to discrimination and not only that I never put a credit block in the system on my behalf understand for so long I couldn't understand why I was not able to apply for things without any problems it's because this Credit bureau is purposely going an extra mile to block my report also they're sharing and providing my personal information in a identifying manner to have other citizens impose as if they are me apparently someone tried to stop me from getting an apartment, loans, and openings new things by blocking my credit report I had an issue years ago with this same problem when I lived in another state to where someone / these credit bureau had a credit block in the system I never put in for then I had to write a lot of certified letters to get it unblocked also the online system XXXX XXXX XXXX is not accurate with their tactics to retrieve an online free credit report as it states I never had a problem with getting my report many many years ago until they started targeting certain people I can't move into an apt with a block on my reports I also lose money from companies trying to run my information after I paid a application fee not knowing they are working against me to set me up to pay fee after fee lastly the company is forcing me to send in a request by mail for my hand writing to be mastered used to forge my identity to other claiming to be me it's very inconvenient to be sending in request by mail you have to under am XXXX and it's hard for me XXXX XXXX XXXX XXXX XXXX XXXXXXXX then I have to wait weeks for my report thankyou
Consumer complaint received 2024-02-07
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Newport Intermediate Inc. (MA)

I have two virtual prepaid card accounts with the company. 

Account # XXXX Balance : XXXX as of XXXX Fees charged : XXXX - XXXX XXXXXXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I would like to close my accounts and have the combined balance refunded to me. 

The company claims to charge a XXXX fee to renew the card for an additional year, and charges a {XXXX} fee on top of that fee per month. I was given no record of any terms that I may have agreed to when claiming the account last year. I have received no mail or communication via email from the company to warn about these monthly and renewal fees. I was given access to these accounts as part of warranty claims for computer hardware. It is clear that the company takes advantage of their position to charge excessive fees on customer accounts. 

When I called to ask for my accounts to be disbursed by check to my address, I was told that this is not possible, and since my account has been opened longer than a year, and I can no longer request disbursement of the balance.