davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

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

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 2023-12-21
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. (FL)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. This account must be investigated/updated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-21
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: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.
Consumer complaint received 2022-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (TX)

My daughter used a Chase credit card to transfer money via XXXX. This happened on in XXXX  on : XX/XX/XXXX : {$100.00} XX/XX/XXXX : {$3.00} XX/XX/XXXX : {$4.00} Each time, Chase Credit Card charged me a {$10.00} fee for a total of {$30.00} plus interest ( although I pay off my balance and don't carry a balance ). 

They said this is " new '' because XXXX now processes the charge as a cash advance. They apparently didn't do this in the past. 

There was no heads up or warning given that fees and interest would be charged for this transaction through XXXX. 

This is price gouging! they charged me a {$10.00} fee for a {$3.00} cost then repeated this fee two additional times. ( plus interest charges ) I asked them to remove the fees but they won't do it. They said they could waive only one. 

I was not aware of fees of this magnitude ( or at all ). They said this is part of my agreement. It should be illegal to charge 300 % to " borrow '' money for a few days.
Consumer complaint received 2022-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (PA)

During the process of preparing to close on a mortgage loan, I discovered Comenity Capital Bank ( Utah ), is reporting in error That I still owe {$6700.00} dollars and has stopped reporting credit activity since XX/XX/2022. 

They said they are implementing a new payment platform and will not report any payment activity for cardholders. 

I have a XXXX balance and owe nothing, yet it appears on my report to the three agencies as though I maxed out my credit card and have not made payments since XXXX. 

Now the loan officer said this is tremendously hurtful to my credit and will cause me to pay more points and pay higher interest on a mortgage loan. I have contacted repeatedly and begged for them to report accurate payments and although they agree that I have been an excellent customer there is nothing they can do.
Consumer complaint received 2022-11-01
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. (GA)

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

XXXX Account XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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. 1681 c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer repot containing any of the following items of information Any other adverse items of information, other than record of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681 s-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 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Bread Financial Holdings, Inc. (CA)

I paid {$800.00} towards my credit card Express XXXX on the last week of XX/XX/2022 but I noticed it wasnt reflected in my Credit Score up to this present time. It was been almost two months now. I paid all my credit cards and some of my payments registered right away after my payments has been made. And most of them registered to my credit score after couple of weeks. This Express Company doesnt do the same. Its now XXXX! When are they planning to report my payment to the credit bureau? I never missed any payments! Whenever I tried contacting them they will always put me on a long wait and you cant even get a hold of a real person. Its always their computer doing all the talking. Please XXXX help me wirh my Express Credit Card account to update my payment so I could get a better and higher credit score to buy a home Thank you!
Consumer complaint received 2022-11-01
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Bull City Financial Solutions, Inc (NC)

They sent out attempt to collect a debt letter after I hold them to cease and desist further communications after the said they don't own the debt. Nor do they have chain of title. Employee kept asking for my personal information. And would not answer questions about this company ownership of the debt. They need to STOP reporting Derogatory information on credit profile as it is not an open active account it is a closed account and settle with XXXX XXXX. I don't owe Bully financial  nothing. There trying to pressure me to pay them with threatening reporting information. I need them to stop
Consumer complaint received 2022-11-01
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: EQUIFAX, INC. (CA)

In accordance with the fair credit reporting act they violated my privacy and confidentiality under 15 USC 1681. In addition to wrong amounts on each credit report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of ed/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX self reported XXXX has violated my rights, and has continuously harassed me over the phone. each credit report has different amounts. 15USC 1681 section 602 A states I have a right to privacy. 15USC 1681 section 604A it states a consumer reporting agency can not furnish a account without written instructions. 15USC 1681c. ( ca ) ( 5 ) section states, no consumer reporting agency may make any consumer report containing any of the following items of information any adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.
Consumer complaint received 2022-11-01
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FIRST CITIZENS BANCSHARES, INC. (VA)

I inherited a mobile home park when my mom passed away XX/XX/XXXX. 
I have a mobile home that is a XXXX XXXX, XXXX number : XXXX, XXXX. This home was bought my my dad who passed away in XXXX. The bank was XXXX  XXXX XXXX in XXXX Va. This bank has closed and or bought out by First Citizens Bank & Trust out of XXXX NC in XXXX. 

Their phone number is XXXX. 
Fax number XXXX. 
I need a lien release on this home so I can get a title. 
I faxed all paperwork to First Citizens last XXXX. I have not received a call or email. 
My email address is : XXXX My phone number is XXXX My name is : XXXX XXXX XXXX
Consumer complaint received 2022-11-01
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I requested and received {$1000.00} XXXX dollars worth of Pesos from Bank of America for a vacation I took in XXXX to XXXX XXXX XXXX. 
The currency arrived as expected and I counted and confirmed in contained the correct value of pesos. ( Approx XXXX MX pesos ) I then went on vacation. 
I used my smaller bills on vacation since we did not spend very much money at all. The remaining currency I left with my in-laws who had an extended sat in XXXX. Included in this currency were two bills ; one for XXXX pesos and one for XXXX pesos. 
My Father-in-law subsequently informed me that he was having trouble with these two bills as they were not legal tender having been withdrawn from circulation in XXXX! 
I called Bank of America to see how to resolve this issue. They told me to have my father-in-law contact his local BOA branch in XXXX Texas to resolve the issue on his returned. When he did they were unable to help. He subsequently mailed the bills to me and I called BOA at XXXX. 
I gave them the confirmation number for the exchange : XXXX and they informed me that they could see the exchange but that it did NOT include a XXXX nor a XXXX peso bill!!! I told them that I did not care what their records showed as I had the bills in hand and know they were part of the original exchange. ( I have had no other currency exchange to pesos in years! ) and was very careful to ensure the " total '' value of the bills when I received them. I did not check for the validity of the bills that were sent to me and was not aware that these two bills were not legal tender when I received them from Bank of America.Bank of America are looking into this under case # XXXX
Consumer complaint received 2022-11-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Concorde Auto Management, LLC  DBA  Concorde Auto Acceptance (TX)

I got a XXXX XXXX XXXX XXXX XXXX at this place back in XX/XX/XXXX, I was charged a cash deposit, a high interest rate of about 19.49 %, and they made me buy separate car insurance. I was making my payment on time until around XXXX of this year ( XXXX ) where i then asked them if their company offered a hardship program that would give me an extension on the car lease to give me time to finish the agreement, they requested documentation of my situation for which i obliged. 
They responded with 1 deferred payment of 2 weeks and 2 weeks later i was making the same payments that were my original payments in the first place, funny thing is i have never asked for a hardship program before so i was hoping they would work with me. 
Every time they called i answered and i have tried to stay in honor with the contract, by continuing to pay as i could for as long as i could. XX/XX/XXXX i am still letting them know that i am having a hard time but they didn't care asking if there was anything else they would do so i would go into default and they said no, imagine my surprise when i wake up XXXX day of XXXX and my car had been repossessed, they said i am 25 days behind and that to get the car back i would need to sign a new contract with them to see if they would like to move forward with this but there is already a contract so what are they talking about? This sounds like they are trying to recontract me in a new contract. Why are these companies allowed to do this to people, I've never received any notice at all that the car was being repossessed and there has been no communication via email, they are always so hostile with me when i am just trying to get information. I've been hung-up on many times that i am afraid to call them ; they escalate situations when it's not necessary and are very unprofessional. I will never deal with this company again. They did not inform me that i had a right to rescind this contract at any point of doing business with them and then i went to pick up my items at the XXXX XXXX at XXXX XXXX XXXX in XXXX Tx where they were holding my items XXXX and they had me sign a release of the vehicle stating that i am volunteering to give them back the car. This is a public notice that all contracts are here by rescinded with XXXX XXXX and its finance company XXXX XXXX XXXX.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-11-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: HOMESTAR FINANCIAL CORPORATION (NC)

On XX/XX/2022 I instructed my escrow officer to wire Homestar Financial Corporation {$500000.00}. 
I have made many phone calls, a registered letter and had an attorney write a letter but to date there has been no communication from Homestar Financial Corporation to me. 
The deed of trust satisfaction has not been sent to me nor has it been recorded in XXXX XXXX. 
I can see that on several documents I said XXXX XXXX XXXX instead of Homestar Financial Corporation. They are XXXX and the same and all reference should be Homestar Financial Corporation including the registered letter. My mistake. 

I have not received any closing statements from Homestar Financial Corporation. 

I have spent hours and money ( attorney fees were {$100.00} ) trying to contact Homestar Financial Corporation and have exhausted my options. 

After contacting the office of Representative XXXX XXXX I was given your contact information. 

I would appreciate any assistance you could provide to resolve this issue. 

Thank You
Consumer complaint received 2022-11-01
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC (VA)

Northland Group is calling family members multiple times a day. Called my parent 's phone number and I do NOT live there at all. They have asked them to stop and told them I do not live there and they still call multiple times a day. According to the federal trade commission website, they are not supposed to call more than once. They are also leaving details with my NAME and that they are trying to collect a DEBT which they can not do!
Consumer complaint received 2022-11-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC (VA)

I bought the vehicle used from XXXX XXXX XXXX. in XXXX VA ( XXXX XXXX XXXX XXXX, VA XXXX ) XXXX XXXX XXXX, in late XXXX as a company vehicle. The vehicle was a 2010 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX '' XXXX XXXX. I had believed that I had automatic payments set up so I did not worry about anything. I missed two payments, one of which I did pay, and when I called the bank ( Westlake Financial ) they said they could do nothing and that It was back in the dealerships hands. I made one payment, so technically only missed one, and it was threatened to be repossessed. The dealership would not work with me and told me to pay it in full or it was be repossessed and he would take me to court and sue me if it was repossessed since he would not be the one to cover the lawyer and court fees. After the truck was back on his lot, the dealership owner told me that if I put another XXXX XXXX down, he could submit it to another bank to help me out.
Consumer complaint received 2022-11-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RentDebt Automated Collections, LLC (GA)

I received a letter from RentDebt Automated Collections that stated to call or write them by XXXX to dispute all or part of the debt. Their letter had a bottom perforated section I filled out to dispute the amount, which I mailed out on XXXX. I received no further correspondence and this debt collection company added the negative mark on my credit report on XXXX, after I wrote to dispute the debt amount. I then sent an email on XXXX asking why the debt amount was not validated as I responded to their letter before XXXX and checked the box to dispute the debt amount. They have not responded to my email from XXXX, today is XXXX. I have proof of the stamp purchase at the XXXX store to which I mailed the letter, I have also attempted to make numerous phone calls to which no one answers. I have a screen recording from today, XX/XX/2022 where I called 3 times that went unanswered. They dont seem to get mail or answer the phone, which is very suspicious.
Consumer complaint received 2022-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Avant Holding Company, Inc. (AL)

On XX/XX/2022, I looked at my account and Avant credit card company had dropped my limit from XXXX to XXXX for no reason. I recently made a payment on my account for over XXXX. I never been over my limit or missed a payment. I know someone else that this recently happened to. She had XXXX and they dropped her to XXXX for now reason at all. And she had just paid her card completely off.
Consumer complaint received 2022-11-01
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. (NC)

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

Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) : # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # 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 2022-11-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (PA)

{$220.00} was sent through Western Union to XXXX. Email containing the tracking number was hacked and a Western Union agent released the money to a person who was not the designated recipient. A letter in response to my complaint stated that according to their records the money was released properly. They would not refund the money.
Consumer complaint received 2022-10-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC (TX)

On XX/XX/2022 I cancelled policy number XXXX after XXXX increased rates. I have the policy cancellation and confirmation email from the company stating I have XXXX balance on that account. This is the second time XXXX falsely reports this to the credit bureau and hurts my credit score. They refuse to answer my direct emails and continue have ignored my requests for providing documentation proving explaining these charges and why they are linked to my report. This is inaccurate information and they are in direct violation of some of my consumer rights. I am submitting emails received from XXXX  demonstrating inconsistencies with their numbers. Cancellation was done in XX/XX/XXXX they did not cancel it until a month later. I am still owed {$930.00} for overpayments
Consumer complaint received 2022-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (AZ)

I asked to have this account closed due to very poor customer service. I also asked to have a confirmation letter sent to me to verify that they did close this account. Talked to at least 5 people. They all said they would either fax, mail, or send a letter thru their website messages. I have not gotten any! Also when I log into my account it is still showing that I have {$18000.00} line of credit. If the account is closed wouldn't it say {$0.00} since I do not owe any money? 
I want nothing to do with this company!!!