davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Opportunity Financial, LLC (TN)

Again, opportunity financial is attempting to collect on a debt registered with the federal government as fraud. They continue to try and connect my name to this debt without being able to give me the location the debt originated. None of the documents provide this information. The ip address used for the loan is based in Iowa.
Consumer complaint received 2024-03-20
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I set up automatic payments with Bank of America XXXX  credit card on XX/XX/2024 when I paid my first bill balance. In XXXX when it should have automatically debited it did not and added late fees to my account. I called on XX/XX/XXXX to resolve the issue. they were able to see I had set up automatic payments and that it did not charge. I authorized a one-time payment for the balance owed XXXX and requested late fees to be removed as it was their system error. 
They processed the payment for the entire balance including late fees on that day and said I would receive a credit for the late fees on the next bill. 

I have a statement with a statement credit of approximately XXXX as the balance as of XX/XX/2024. 

On XX/XX/2024 they completed a ACH again taken from my bank account in the amount of XXXX. I called and was told they can see it was their error but I would need to wait XXXX business days to receive a check for money that was not authorized to be debited as I had already paid my balance and did not have a bill due.

I specially asked for it to be credited back to me immediately the sum was compromising my ability to pay other bills.
Consumer complaint received 2024-03-20
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

I received a letter about applying for a Capital One credit card. It asked for more information.

I did not start this process.

I called Capital One and gave them the application Id and my name and asked them to stop the process.

They would not help me until I gave them my date of birth and last 4 of social security number. 

Since I do not want to do business with Capital One, I do not want to provide them with my personal information.

They would not help me at all without my personal information. This seems to be very wrong.

I spoke with a supervisor, who reiterated that without my date of birth and last 4 of social security number they could do nothing. 

Since I did not start this application, how could I know what data the person who did supplied. And if what I supplied did not match, then they would not help me. 

I have the letter they sent to my house, with my name and their application ID, how is that not sufficient for them to stop the process? 

Supplying them with my personal data would seem to open me up to more fraud - not less.
Consumer complaint received 2024-03-20
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Allies for Community Business (IL)

I am writing to express my deep dissatisfaction and file a formal complaint regarding my loan application experience with Allies for Community Business. 

During the course of the application process, I encountered numerous obstacles and delays that were both unwarranted and discriminatory. Allies for Community Business continuously claimed that my application was incomplete, even though I diligently provided all the required documentation as requested. Despite my repeated efforts to rectify any perceived deficiencies, I was forced to resubmit the same documentation multiple times. 

It is evident that this protracted and repetitive process was intentionally designed to discourage my loan application. Such actions, when motivated by a desire to selectively deny funding to certain individuals or businesses, constitute clear discriminatory practices. I firmly believe that Allies for Community Business violated Regulation B, which protects applicants from discrimination in any aspect of a credit transaction. 

I have gathered a substantial amount of documentation and email correspondence that supports my position. These records provide a clear record of the undue challenges and discriminatory treatment I faced throughout the application process. I am prepared to present this evidence to the appropriate authorities as necessary. 

I find it deeply disappointing that an organization like Allies for Community Business, which claims to support and empower small businesses, would engage in such discriminatory behavior. As a responsible member of the community, I expect fairness, transparency, and equal treatment when seeking financial assistance. 


Please be advised that I am prepared to pursue all available legal avenues to ensure that justice is served. I trust that Allies for Community Business will take this matter seriously and make the necessary changes to prevent such discriminatory practices in the future.
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXXXXXX XXXX Date of inquiry : XXXXXXXX XXXX  Date of inquiry : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NJ XXXX XXXX XXXX  Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX Date of inquiry : XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NJ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-02-02
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (FL)

Please be so kind to help me, I'm asking for your company to help me enforce what the law states for this corporation to do correctly. I entered a consumer credit transaction with Wells Fargo Auto in 2016 ( Although my original contract lists XXXX ) which involved a finance charge along with a down payment of { {$1000.00} } cash. Pursuant to 15 usc1605 ( a ) finance is charge is the sum of all charges in a consumer credit transaction and does not include cash. Wells Fargo is in violation of the 15 USC 1605 Truth In Lending Act. I was not offered any insurance and they failed to disclose to me my right of recession and provided me with the appropriate forms to exercise my right which is in violation of 15 USC 1635. As a federally protected consumer under Title 15 Chapter 41, my rights have been violated and Wells Fargo is criminally liable, pursuant to 15 USC 1611 and also civilly liable, pursuant to 15 USC 1640 and 15 USC 1692K. The also repossessed my car twice which is definitely against the law. They have committed fraud and several violations of the FDCPA and TILA. They have threatened me for an alleged debt and they have apparently charged off my account. I sent them a notice asking for the following : 1. Send an Audit Trail pursuant to 5 USC 552a ( d ) including all documents, including but not limited to, signed credit applications, assignments, ledger of the account, and everything else relating to the Consumer ; 2. Material Disclosure ; 3. Return all money illegally collected ; 4. Original instrument of indebtedness in its original form 5. Record of Accounting pursuant to UCC 9-210 Instead of providing me with the information I asked for they responded with a transaction history and a copy of my car contract, which is actually different from the original contract. Wells Fargo isn't listed on my actual contract ; a company named " XXXX '' is listed. Also this was a XXXX credit application, I never applied for a loan with Wells Fargo. I have attached my original contract along with the copy Wells Fargo made up ; as well as the transaction history they sent to me. 

This whole transaction is fraudulent and as a result I've obtained several injuries, I've never been so hurt by a company
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to request assistance in updating inaccurate account information and removing unauthorized user accounts from my credit reports, in accordance with the Fair Credit Reporting Act ( FCRA ). I have identified errors in my credit reports that are negatively impacting my creditworthiness and financial opportunities.I have discovered inaccuracies in the account information reported XXXX  account # XXXX, XXXX  account # XXXX my credit reports. The inaccuracies include [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ]. These errors have led to an unfair assessment of my creditworthiness and have affected my ability to access credit on reasonable terms.Furthermore, there are authorized user accounts listed on my credit reports that do not belong to me and are inaccurately reflecting my credit history. These accounts are not mine, and their presence on my credit reports is misleading potential creditors and lenders.

Thank you for your assistance in this important matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-03-16
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. (TX)

I requested written confirmation that the subject collections be removed, as they are direct violations of the Fair Credit Reporting Act, in that the alleged collections did NOT arise from any credit transaction, and should not be reported on any credit report. The bureaus failed to comply, and the misrepresenting collections remain on these credit reports. 
Further evidence of the collections not arising from any credit transaction includes the following : - No reported high balance. 
- No reported Credit Limit. 
- No contract was signed or otherwise agreed to.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear XXXX XXXX, I hope this letter finds you well. I am writing to formally request a copy of the IRS Form XXXX for a debt that was charged off and reported by your company on my credit report. The details of the account are as follows : Account Number : XXXX Date of Charge-Off : XXXX Amount Charged Off : {$510.00} I believe that the issuance of a XXXX is required under IRS regulations for the cancellation of debt, and I would appreciate your assistance in ensuring that I receive this form promptly. 
Please send the XXXX form to the address listed above or provide instructions on how I can obtain it. If there are any additional steps I need to take to facilitate this process, kindly let me know. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-02-22
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (CA)

Jefferson Capital Systems , LLC XXXX. XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX Jefferson Capital Systems Representative, After communicating and responding to several of your notices via communication that the collection for this debt was paid for and your company continually to proceed with this action is a violation of the Consumer Protection Act. This company has caused damage to my credit report. 

This account was fully paid off at the time your organization purchase this receivable. The consumer debt from XXXX was fully paid off on XX/XX/year> some 9 years and 217 days ago as documented in exhibit XXXX below. 

Johnson Capital Systems has grossly broken consumer credit reporting laws. I am hereby requesting an investigation on Jefferson Capital System for breaking consumer laws and obviously, I am not the only consumer calling their consumer service phone number since they had over XXXX calls before I called waiting to be answered.
Consumer complaint received 2023-03-02
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: EQUIFAX, INC. (GA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Thanks,
Consumer complaint received 2023-02-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ClearPath Lending (WI)

I am providing a copy of a solicitation letter I received from Clear Path Lending. This letter is VERY misleading and, in my opinion, exhibits an intention to confuse and concern the recipients. This letter implies that a loan has already been made at a previous time and that payments are coming due in the near future. It is very difficult to ascertain that this is a letter soliciting business and not a notice of payment on an existing contract. Is there anything that you can do to control the communication of these companies so that they are required to be transparent in their intentions? I generally just toss these in the trash, but this one was confusing for both me and my husband. I felt this warrants a complaint.
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I recently received my credit report and there I noticed a lot of information that is not right. With the intention of improving my credit I sent out letters to verify the said information. I am not sure if they are reporting accurate, therefore I want them to send me a response.
Consumer complaint received 2023-02-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TX)

XXXX has sent an account to collections to be collected by IC Systems for a debt that is over XXXX XXXX XXXX and is not owed by me. I have disputed the validity of the debt for years and they keep reporting it as a collection on my credit bureau
Consumer complaint received 2024-03-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MI)

MOHELA has been nothing short of COMPLETELY FRAUDULENT in their practices. Over the past few months ( since the return to payment ) I have had issues with them randomly placing forbearances on my account even though I have NEVER ONCE asked them to do so. One forbearance they even randomly backdated a couple years!! I did file a borrower 's defense form where I clearly stated that I DO NOT want a forbearance. I have sent many, many messages in writing telling them I DO NOT want any forbearances. I have spent countless HOURS on the phone stating I DO NOT want any forbearances, yet they continue to ignore me and do whatever they want to my account without my permission. Now that I have recertified my employment for payments counts towards PSLF they have taken away XXXX payments stating they are ineligible due to a forbearance on my account. The timeframe they are claiming is ineligible is the timeframe that the government ordered a payment pause due to covid. MOHELA should not be allowed to service loans anymore. Not only this, but they don't truly respond to any emails. If there's any type of response from them it's WEEKS later and it's a boilerplate message that says that it looks like things have been taken care of, but if not, call them. There is no way they can claim that these practices are not beyond purposeful and designed to keep people in student loan debt, therefore keep the government making money off of us. I want this situation addressed and it needs to stop. I also am requesting a different loan servicer. MOHELA also will not produce any proof they have of me requesting a forbearance ( because it doesn't exist ) despite multiple requests.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (KS)

I called to find out what XXXX XXXX sent to the credit Bureau to verify this fraudulent account on my report. I was told they verified a balance??? No Credit Bureau has any consent to share my info with anyone at any time. They are also showing financial amounts and figures, showing income, account numbers. Nor did they provide any forms, contracts or agreements signed by XXXX consenting to the use of personal information. This is covered under Kansas Statute 21-6107 Identity Theft or Identity Fraud is to possess, transfer or to use any personal identifying information, belonging to or issued to another person, with the intent to defraud that person, in order to receive any benefit, which is exactly what XXXX, XXXX XXXX and EQUIFAX are doing. PERIOD As used in this section Personal Identifying information is : XXXX Name XXXX Birth Date XXXX. Address XXXX. Telephone I skipped XXXX I felt they were XXXX  XXXX. Electronic signatures XXXX. any financial numbers!!
Consumer complaint received 2024-10-28
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)

When I reviewed my credit report, I discovered that some of the information were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$5300.00} XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX  Balance Owed : {$6000.00}
Consumer complaint received 2024-03-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Celsius US Holding LLC (PR)

I was a client of celsius company which went bankrupt in XXXX making me loose thousands of dollars ( XXXX plus ) due to being a scam. They went into bankruptcy and emerge of it on XX/XX/XXXX promising some recovery funds based on the bankruptcy plan. I got my codes to redeem my claim ( recover funds ) XX/XX/XXXX but when trying to redeem it on XXXX ( the provider they assign to me ) it did not allow me, it says claim code is incorrect. I contact multiple times XXXX and they did not help and contacted XXXX for support and they did not even answer me back. Its been way over a month of not receiving my XXXX, the XXXX they assign to me have risen over 50 % on these timeframe and I have lost the ability to gain that back or even have my XXXX back. I feel I am getting robbed every single day and its very frustrating to not be able to meet my financial needs due to the incompetence of XXXX/celsius and XXXX.