davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

In accordance with the fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX ( debt buyer ) Account # XXXX, 15 U.S.C 1681 Section 602A. States i have the right to privacy 15 15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c Section ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following item 's 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 1681 ( s-2 ) ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate. Only have one home address, all other address on report are wrong.
Consumer complaint received 2024-02-12
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

On XX/XX/XXXX, I accepted an offer for a new " SavorOne '' credit card on my cell phone from the Capital One Bank App. In the initial offer it said that they would give me XXXX {$200.00} if I spent XXXX {$500.00} in the first 3 months. 
In the process they said that there was a second benefit and that was that the purchases I made would give me free interest in the first 15 months of the credit card. 

The system generated and approved the Credit Card Today I called to validate these benefits and they told me that they do not apply In a way they let me know that I should have reviewed what I was accepting. 

I have asked why the Bank makes an offer of a credit card with some benefits and then in the process they already say that the benefits do not apply, to which they tell me that I accept the terms and that is how it appears in the system In my country XXXX, that is called " captivating the customer with false promises or misleading advertising '' In the application registration process, it said " validating if you will be given the new credit card '' and Then it appears that I have been accepted, although one does not read everything else, because XXXX thinks " if they offered me a campaign and they approved it, it is because it is true '' not that one should go read the fine print to see if it suits them. they changed the conditions I'm going to cancel the new credit card, which takes 2 days to apply for, but I don't know how this will affect my record. 
I believe that the Bank is using captivation mechanisms with false expectations and this goes against the good faith of the consumer who assumes that if there is a campaign and they accept the card it is true and not having to check that the conditions have changed. 

I appreciate your help to review this type of advertising, This does not happen in other banks. 

I have created a pqr to the bank case number XXXX for me,
Consumer complaint received 2023-07-31
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-07-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

I have notified this collection agency 6 times and via certified mail that the debt they are attempting to collect is not owed, it is not my debt, and they have been told by their client the debt is not owed and they continue to call and send me letter harassing me to pay a debt that is not owed.
Consumer complaint received 2024-02-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (IL)

Date XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX ( XXXX ) XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against LVNV Funding LLC for the violations of consumer financial protection laws. The specific violations are in reference to the following regulations 12 CFR 1006.34 ( b ) ( 5 ) 12 CFR 1006.34 ( c ) ( 4 ) ( I ) 12 CFR 1006.34 ( d ) 15 USC1681S-2 ( 7 ) ( a ) Additionally, I have requested debt validation and purchase agreement information from LVNV Funding LLC , as permitted by 15 USC 1681S-2 ( 7 ) ( a ). However, the company has not provided the necessary documentation, raising concerns about its compliance with federal consumer protection laws. 

I kindly request the Consumer Financial Protection Bureau to investigate these alleged violations and to take action to ensure that LVNV Funding LLC complies with all applicable laws and regulations. I believe that such actions are crucial to protecting the rights and interests of consumers Furthermore, I assert my rights under 15 USC 1681s2 ( 7 ) ( a ), as the collection agency has failed to adhere to the Fair Credit Reporting Act ( FCRA ) by potentially reporting inaccurate information to credit reporting agencies. 

. 
As a result of these violations, I am formally disputing all debts claimed by LVNV Funding LLC as I mentioned above and request that the Consumer Financial Protection Bureau investigate these matters promptly and remove from my consumer report immediately. Additionally, I am revoking any rights for LVNV Funding LLC to communicate with me via email, call, and text, in accordance with my rights under the aforementioned laws. 


Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2023-07-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (LA)

On XX/XX/XXXX, my bank, XXXX XXXX, mailed a check in the amount of {$1200.00} to my mortgage company, Mr. Cooper, via XXXX XXXX online Bill Pay system. The check was mailed to Mr. Cooper at XXXX XXXX XXXX, XXXX, XXXX XXXX. This check represented the second half of my full mortgage payment of {$2500.00}, which was due on XX/XX/XXXX. The first half of the XX/XX/XXXX payment was submitted electronically by XXXX XXXX on XX/XX/XXXX in the amount of {$1200.00}. 

On XX/XX/XXXX, the {$1200.00} payment mailed on XX/XX/XXXX was not reflected in my mortgage account. To remedy this, I submitted an online payment of {$1200.00} on Mr. Coopers website on XX/XX/XXXX. Mr. Cooper assessed a late fee in the amount of {$72.00} because they alleged the XX/XX/XXXX payment had not been received in full by XX/XX/XXXX. 

On XX/XX/XXXX, the payment mailed by XXXX XXXX was still not reflected in my mortgage account. I initiated an online chat with Mr. Cooper customer service representative, XXXX XXXX, who confirmed that Mr. Cooper had still not received the payment mailed by XXXX XXXX  on XX/XX/XXXX, and verified the address to which the check was mailed was the correct billing address. 

I called XXXX XXXX on XX/XX/XXXX and advised the representative that the {$1200.00} check they had mailed to Mr. Cooper on XX/XX/XXXX had not been received by Mr. Cooper. XXXX XXXX initiated an investigation and submitted their results on XX/XX/XXXX. XXXX XXXX determined the check was mailed to the correct billing address for Mr. Cooper, it had been received by Mr. Cooper, and it had been endorsed by Mr. Cooper/Nationstar on XX/XX/XXXX ( prior to the date I was assessed a late fee of {$72.00} on XX/XX/XXXX ). As of today, XX/XX/XXXX at XXXX XXXX XXXX the {$1200.00} payment mailed to Mr. Cooper XXXX XX/XX/XXXX and endorsed by Mr. Cooper XXXX XX/XX/XXXX, is still not reflected in my mortgage account. 

This is the second complaint I have filed against Mr. Cooper since they acquired my mortgage in XX/XX/XXXX. The previous complaint ( ID # XXXX ), wherein I advised that Mr. Cooper had falsely reported a late payment to the credit bureaus, was closed on XX/XX/XXXX. I subsequently received a letter from Mr. Cooper dated XX/XX/XXXX, wherein they admitted to making " errors '' with my payments. Mr. Cooper has been grossly negligent, extremely incompetent, and blatantly untruthful in their handling of customer payments, to the detriment of my credit score and my finances.
Consumer complaint received 2023-07-31
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. (CA)

In accordance with the Fair Credit Reporting act XXXX 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 2023-07-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

My credit report shows a student loan from US Dept. of Education dated XXXX. I was in high school in XXXX. It says it's for XXXX XXXX. I never attended XXXX XXXX -- it was a male-only school and I am a female. I attended XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX. Those loans were paid back. I did not start college until XX/XX/XXXX, and I went to XXXX XXXX in XXXX, MI. Again, I repeat, I was in HIGH SCHOOL in XXXX. NOT IN COLLEGE. Not at XXXX XXXX.
Consumer complaint received 2023-07-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC (FL)

Concerns Wakefield LLC XXXX XXXX XXXX XXXX, TN XXXX They did not my respond to any of my letters ( 3 ) and do not respect my FDCPA rights! 

Below you will find a copy of my letter dated XX/XX/XXXX, ( send by XXXX ) which speaks for itself. Sincerely yours. 

References : XXXX & XXXX To Whom It May Concern, Despite my letters to dispute any debt with your agency, dated XX/XX/XXXX & XX/XX/XXXX, see attachments, you did not respect my rights according to the Fair Debt Collection Practices Act ( FDCPA ). I am unaware of the creditor XXXX XXXX XXXX. 

At this time, I demand to cease any credit bureau reporting. 
Please send this information to my address listed above and accept this letter, as my formal debt validation request, which I am allowed under FDCPA. Please note that withholding the information you have received from the supposed creditor can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you have received from the creditor in connection with this alleged debt. 
Furthermore, continued attempts to collect on this debt or report this debt to the credit bureaus, until providing said information above is also a violation of the FDCPA in which I will hold you and XXXX XXXX XXXX responsible. 

I will also file complaints about your company at the XXXX XXXX XXXX, the Attorney Generals Office and/or the Florida Office of Financial Regulations and/or the Consumer Finance Protection Bureau . 

Sincerely, All rights reserved. 

I took out my name here Attached : Copy letter XX/XX/XXXX Copy letter XX/XX/XXXX XXXX
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS) (AZ)

In XXXX my identity was stolen. This was corroborated by numerous private companies such as XXXX XXXX, XXXX, XXXX, and XXXX 

I filed the necessary reports with the Federal Trade Commission, and the XXXX, XXXX Police Department. 

After being rejected time and again for various financial products, including things as simple as a checking account, I decided to take a closer look into who was making these decisions, when I never abused any financial products to begin with. 

I learned of XXXX XXXX XXXX ( Bank Owned ), and ChexSystems ( Not Even Accredited by the XXXX XXXX XXXX  ). 

I was shocked to find out that they had self-governing power to essentially put whatever they wanted on a person 's consumer report with absolutely no oversight. As an example, a person using someone else 's social security number can simply make as many attempts as they want to open fradulent bank accounts, and the person who owns the social security number legitimately suffers and is penalized as a result, and there is no recourse for challenging this behavior. 

My identity had been stolen, and these parties clearly had a vested interest in ensuring that I paid back debts that didn't belong to me in the first place, or they would " blacklist '' me from the US banking system. 

I filed a FOIA request from the FTC and provided the documentation to both companies. They ignored what I sent to them entirely. The report I filed with the FTC clearly displayed the financial institutions that had been taken advantage of by a criminal using my social security number, and in many cases, even the dollar amount. 

I want to emphasize that even though these organizations directly received documentation from the federal government corroborating that I was a victim of identity theft, they did absolutely nothing, and to this very day I am constantly denied basic financial products and am constantly receiving alerts from XXXX XXXX stating that my social security number had attempted to be used once again.
Consumer complaint received 2023-07-31
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-31
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: DApps Platform, Inc. ()

Commencing on or around XX/XX/2023, I fell victim to two multi-layered scam operations run by ETH Node which involved me making deposits for a total amount of XXXX USD from my Trust Wallet account to fraudulent investment firm ( s ).
Consumer complaint received 2023-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (MI)

Friday, XX/XX/XXXX XXXX XXXX XXXX XXXX ran my Old Navy credit card crediting it {$150.00} without my authorization. Without me purchasing anything and without me receiving any services. I signed nothing and immediately disapproved and was told the charge would be credited back to my card by the following Tuesday, XX/XX/XXXX. 
Tuesday the credit was not returned. I visited XXXX XXXX XXXX XXXX  and was told the credit would be returned to my credit card on Friday, XX/XX/XXXX. 
The lady who assisted me would not give her name so I wrote the business stating I wanted the money credited back to my account and received no answer. 
I called Barclays Bank and disputed the charge. Stating I did not give authorization. I did not sign anything or received any services or products from XXXX XXXX XXXX XXXX. 
As it stands Barclays Bank gave my {$150.00} to XXXX XXXX XXXX XXXX without XXXX  XXXX XXXX XXXXl giving me anything in return or authorized to do so. XXXX XXXXXXXX XXXX XXXX  stole my money with Barclays Bank help. 
After going back and forth with Barclays Bank I paid my balance leaving the {$150.00} plus {$1.00} x 2 the cost to fax the dispute letters and closed the account. I didnt add the first fax fee of {$7.00} because at that moment I couldnt find the receipt. Barclays Bank reopened the account and start charging me interest and late fees. 
Since XX/XX/XXXX Barclays Bank calls me on the advantage five times sometimes more a day. Only four representatives ever spoke on the phone, one said she was closing the account again, one sent me statements, and all four of them said they were sending my dispute to the dispute specialist. The other 100s of calls have no communication. I answer the phone and say hello and the person on the other end hangs up. 
I seriously think there is a communication problem with Barclays Bank representatives. The representatives I spoke to when I opened the dispute did not seem to understand or hear me say I received nothing. No service no product and I did not authorized the transaction. It sounds as if they were reading a script or AI programed to repeatedly say there is no dispute. 
Barclays Bank gifted my credit and now expects me to give them {$150.00} to pay for a gift I did not give. 
Please investigate Barclays Bank. Something is definitely not right. I have the account with Barclays Bank. Why would a Barclays Bank not look at all the red flags associated with XXXX XXXX XXXX XXXX theft and call 100s of time, saying nothing then hangs up?
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'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 XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-07-31
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (SD)

I first got my loan through the VA. The handed it off to PennyMac. We tried to set up Auto payments online at the very beginning, but for the first few months the did not take the money out. We tried several times to get this resolved but in the end we ended up having to call them every month to get our payments taken out and then put on a forbearance plan. Since then we have had several instances where they didn't pull the payment when they were supposed to, a few times even to the point we had to transfer money into our other bank account to put together the full payment mid month, or split the payment between the 2 bank accounts. On several occasions I have had to to reach out to the VA to even get PennyMac to pull the payment. They have also already raised our payments once, Now they are telling us we have to accept their offer of a new WAY HIGHER interest and unaffordable payments, going from 3 % up to 7 %, with a {$600.00} payment increase, or we have to give them nearly {$4700.00}. If we do not accept their offer then we will be foreclosed on. I feel like this is a tactic to force us into the high interest bracket. If they took their payments out like they were supposed to we would be having no issues.
Consumer complaint received 2023-07-31
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. (NY)

I have disputed this report 18 times with each credit bureau. The credit agencies will keep this late fee. They have been told via telephone and letters.
Consumer complaint received 2023-07-31
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: TOYOTA MOTOR CREDIT CORPORATION (GA)

On XX/XX/XXXX I paid off the amount in full to Toyota Financial services. 
Since then I am trying to get my title and to no avail. I was calling every week to check when I will get my title. 
They told me I was calling to inquire about it, but never requested the title even though I was asking every time when will I receive the title. Finally someone helped removing the lean and sending the electronic title to the DMV ( according to them to GA dmv ).

When I called GA dmv they said they dont receive electronic titles, just hard copy. 
I am keep calling Toyota and the person there does pick up the phone, but not talking ( called XXXX already ).
Consumer complaint received 2023-07-31
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CCS Financial Services, Inc. (TX)

The original creditor XXXX XXXX representative that was spoken with on XX/XX/2023 stated that the collection account would be removed from credit file as there is no balance due. However CCS USA is not honoring the original creditors wishes.
Consumer complaint received 2023-07-31
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (WA)

Today I contacted the loan company and asked why I was still being charged for this loan of {$2700.00} I was then informed of the outrageous interest rate of 503 %. Said there isn't anything they can do to help me. 

If I was to continue making payments on this small loan, I would pay out more than XXXX. 

I did NOT understand this and feel very deceived. I can't pay this back at the terms listed.