davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-17
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: CITIBANK, N.A. (VA)

On XXXX XXXX 2017, I went to lease a car to XXXX XXXX XXXX XXXX VA. They checked my credit report on XXXX  credit bureau. According to XXXX, I have no credit profile.

On the other hand, I have three credit cards of XXXX XXXX, XXXX  and Best Buy. Three of these companies have my credit profile and I have a good credit score near more or less than 700. I talked to XXXX XXXX and they told me that they report my credit profile to all three credit bureaus including XXXX and XXXX. XXXX XXXX customer service agent told me that they are legally confined to send my information to all three bureaus.

Then I talked to XXXX and they told me that they have my credit profile as XXXX XXXX, best buy and XXXX is reporting them my profile on monthly basis. Contrary to this, XXXX told me that they do not have my credit profile and any of these three companies including XXXX XXXX, best buy and XXXX is not reporting to them my credit profile and I have to talk to my bank XXXX XXXX  about that. When I talked my bank, they said that they are reporting to them and thay can not help me further in this matter.
Consumer complaint received 2018-01-17
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Have a Kohls store credit card, which I rarely use. Made a purchase in XXXX, and do n't remember getting a paper statement ( I had not elected electronic ). Got an email today that I had missed a payment, and had a balance of {$86.00}. When I got home from work, logged on, and paid the amount. Since I did n't remember the purchase, looked at statements on the website, and noted the purchase I made was for {$32.00} on XX/XX/XXXX, and ( again ) do not remember getting a statement. I have never been late before, always just paid via bill pay when I got a statement. I reviewed the activity since, and noted they charged a {$15.00} late fee, then a {$37.00} late fee. The balance was outstanding less than three months ( XX/XX/XXXXXXXXXX/XX/XXXX ), yet the late fee is +100 % of the original charge. The customer service line offers to route you to customer service, but after waiting 15 minutes on hold, realized I was waiting in vain. 

Is there no regulation that prohibits companies from charging such an exorbitant late fee?
Consumer complaint received 2018-01-17
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (GA)

On yesterday XX/XX/XXXX I received a notification from XXXX in reference to my credit report that a collection account was added to my credit file by XXXX. Back in XX/XX/XXXX I received a letter from this company asking for a said amount owed to them in which I 've never done business with this company and I never signed a contract with them. I then in XXXX sent the company a Certified letter asking them to validate this said debt and gave them an set amount of time to reply. All I received from this company was unknown statements and nothing that I asked for in my validation letter, they failed to validate. I then sent them a letter stating that they did not validate and also they did n't send what was requested. And I no longer heard from this company. Until they reported this on my credit file causing my credit to be damaged. This company violated my rights and need to remove this collection from my credit file.
Consumer complaint received 2024-10-28
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX XX/XX/year> Capital One XXXX XXXX XXXX XXXX, VA XXXX RE : Final Request for Adverse Action Information Under FCRA 615 ( a ) Accounts ending in : 7222, 1448, 3898, 9759, 4826, 6740 and 4871 Dear Capital One, I am writing to make a final demand for the specific reasons behind the adverse action resulting in the closure of my account. I previously contacted your company and filed two complaints with the Consumer Financial Protection Bureau ( CFPB ), but I have yet to receive the required explanation.

Under FCRA 615 ( a ) ( 15 U.S.C. 1681m ( a ) ), you are legally obligated to disclose : 1. The specific reasons for your adverse action.

2. The name, address, and contact information of any consumer reporting agency or other third party whose data contributed to your decision, if applicable. 



This letter serves as a final opportunity to comply with the FCRA. If I do not receive the requested information within 15 days of your receipt of this letter, I will pursue additional remedies, including but not limited to : Filing a lawsuit to enforce my rights under the FCRA. 

Seeking statutory damages, attorneys fees, and other relief for your failure to provide the legally required disclosures. 

Submitting further evidence of your non-compliance to the CFPB and state attorney generals office. 

Please send the requested information to the address listed above or respond by email if further clarification is needed. I trust that this matter can be resolved without the need for legal action, but I am prepared to proceed if necessary. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-01-17
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: Equitable Acceptance Corp (CT)

XX/XX/XXXX I decided iwanted to get some help with my student loans ; have my loans forgiven or reduced.I then started doing my research and came across XXXX XXXX i gave them a called andspoke To XXXX XXXX I briefly told him about my stitutaion, He then Instantly told me that he could help me, and i came to the right person.He told me how XXXX XXXX been around for a long time, helped millions of students around the world with their loans and also XXXX XXXX was apart of the obama student loan forgiveness.He then asked me for my ssn DOB address, place or employed and so on. so he could get started, I proceed by doing so.After I was finishing giving him all my information, he told me that he would get back to me in a week or so he had to send my information to the DOE. after a week i notice that i was getting calls from different numbers, i got scared and told them to cancel my application.on XX/XX/XXXX a charger of XXXX was posted to my Credit report from equitable Acceptance Corporation on XXXX.
Consumer complaint received 2018-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

XXXX , XXXX  Opened XX/XX/2013 {$390.00} Original creditor : XXXX XXXX XXXX XXXX XXXX  Overview You've paid off 0 % of your collection amount. Balance {$390.00} Highest Balance {$390.00} Opened XX/XX/2013 ( 4 yrs, 11 mos ) Account status Open Type -- Responsibility Individual Remarks Collection account Original Creditor Name XXXX XXXX XXXX XXXX XXXX   Company sold my account to XXXX XXXX. Prior to this happening I received a form that informed me I had to report the credit as income. I did. This happened prior to the account being sold to XXXX XXXX. It has been reported to XXXX and XXXX and it should have not. Primarily it should have not been sold. Why? Please have them explain what law allows them to do so. I am not a lawyer or aware of any laws. Furthermore they have not provided any information that includes why I received a form that indicates I have to report the form as income and what law allows them to do so. It came from HSBC. I believe. Please assist me the company has not responded and has not provided confirmation on how they are allowed to sell the account to XXXX XXXX at the moment I reported the balance as income. This is double dipping. Are there any accounting laws that prevent such infraction. I believe there is. Please enforce law. Please advise me of all possible routes to gather compensation for emotional distress.
Consumer complaint received 2018-06-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (CA)

In XX/XX/XXXX I received a letter of collection from XXXX XXXX XXXX. They claimed that I owed a little over {$110.00} to XXXX that was outstanding. This debt was attempted to being collected by Convergent. At this time, I checked my XXXX   account and did not see any recent transactions matching the amount owed. Then, I wrote a letter to Convergent disputing the debt.

Convergent replied back on XX/XX/XXXXwith a packet that stated the debt was valid. There were many details that were suspicious.

First, in the packet from Convergent, there was given a " XXXX XXXX Account Number '' which I did not recognize. In fact, XXXX says on their website that they do not give account numbers, rather accounts are identified by associated email addresses.

Second, there was given an " Account Creation Date '' that is very recent. I opened my XXXX   account much earlier than that and I have statements recording purchases in XX/XX/XXXX.

Third, some of the listed information was unclear - monetary numbers that did not add up to or relate to the {$110.00} or actual amounts in my XXXX statements.

Due to the fact that I can not access the account and do not have statements that reflect the amount owed, I can come to only two conclusions. One, someone opened an account in my name with a bad credit card or bank account number. Or Two, XXXX XXXX XXXX. is a fraudulent organization.
Consumer complaint received 2018-06-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (WA)

Equifax limited how many words and got time out several times, also asking for an account # so the Eqifax website will not let me make a complaint. 
This was the statement I wanted to write : Dear Equifax/XXXX  XXXX One of my bills from XX/XX/XXXX ( the XXXX XXXX person told me on the phone when I was paying ) was sent to collections but I did not get any statement billing me, I was not aware of the bill until I got an alert from my credit report on XX/XX/XXXX. If I would it know that I owe {$71.00} I would it pay it, as soonest I knew about I call XXXX XXXX XXXX and I paid the bill in full, but it already is hurting my credit score, is not my fault that the provider ( XXXX XXXX XXXX ) did not send me statement billing me. I have paid the bill {$71.00} from XXXX XXXX XXXX on XX/XX/XXXX, I am asking to remove the collection from my credit report since is not my fault the provider did not bill me. 
Sincerely XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, WA XXXX XXXX This is the email receipt from XXXX XXXX XXXX {$71.00} XX/XX/XXXX XXXX XXXX XXXX Full Name : XXXX XXXX XXXX Account Number : XXXX Auth Code : XXXX Dates of Service : - Authorization I agree to pay the above total amount according to the card issuer agreement. 

Copyright XXXX XXXX.All right reserved.
Consumer complaint received 2018-06-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Complaint file against Nationstar Mortgage now called Mr. Cooper. The complaint is about the hazard insurance the lender obtained for the house located in XXXX XXXX. According to lender, they obtained insurance policy with {$1500.00} premium paid and asked me to pay for it. I sent them letter and told them I am not paying as I have complete insurance coverage for the property continously and no lapse or nothing. I sent the policy information provided to me by my insurance agent and confirming that the property is fully covered with hazard policy continously without interruption or lapse ofr that matter. MY insurance agent faxed to lender 's Insurance department the information about the insurance coverage of the property on XX/XX/XXXXbut lender failed to organize their records of receiving such faxed information. Now lender claimed not received the insurance information from my insurance agent, then obtained the policy with the insurer of their choice and now asking me to pay them for the premiums they paid. I sent them a letter to cancel the policy they obtained immediately and I have no obligation to pay them back. The property is fully covered with hazard insurance continuously without any interruption. My insurance agent, again faxed to lender the insurance coverage ( policy declaration page ) on XX/XX/XXXX. I also sent them insurance declaration page and confirmation of continous coverage that my insurance agent sent to me but there seemed to be questionable decision against accceptance of such insurance coverage on this propety. Please do something to curtail this kind of bad practices of lenders and their staff. It is business for them and bad for the victims of so many mortgage borrowers. Lenders ' staff are careless and negligent in keeping organization of borrowers ' communication to them as against mortgage loan borrowers. Thanks for your assistanced.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 
INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-01-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: American Credit Acceptance, LLC (NC)

My car was destroyed by dealership and deemed mechanical failure. I had my car repaired at XXXX XXXX. They destroyed my car making it unrepairable. I attempted to drive home after damage and had to end up getting it towed to another mechanic where after two weeks of testing and paying for parts out of pocket the mechanic informed me that the problem was not repairable and had been a noted defect. I informed my insurance company and the finance company letting them know the dealership refused to take ownership and I needed help fighting them and to be relieved of a debt for an automobile that would never be fixed. Insurance company attempted to help but due to state law ( nc ) they could not assist with mechanical defects. The finance company refused to care or listen. At that time I was current. The finance company then proceeded to wait 3 months later for them to then claim the car that had a lojack and put a repossession on my credit.
Consumer complaint received 2018-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AK)

Our Bank of America Visa was compromised. We were contacted by BOA and they issued us new cards. We have automatic payments on our account set up. We changed nothing. When the next billing cycle came about, they deducted the bill amount twice. They took two payment for the same amount due ( {$5300.00} times two ) on XXXX XXXX. I called them on XXXX XXXX when I saw my bank account statement. Bank of America was unapologetic, took no responsibility but said I would get a refund in 3-5 business days. After a week, I still have not seen the money they illegally took. 
This is a business that makes money by charging interest on loans, yet they went into my account and took out thousands of unauthorized dollars, giving themselves an interest free loan. This is corporate theft!
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> - {$500.00}
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

-Account name XXXX XXXX XXXX number XXXX -Account type Cell Phon -Date opened XX/XX/year> -Status Collection account. {$4.00}, XXXX past due as of XX/XX/year>. 
XXXX updated XX/XX/year> -Balance {$4200.00} -Balance updated XX/XX/year> -Recent payment - -Monthly payment - -Original balance {$4200.00} -Highest balance {$4200.00} -Terms 1 Months On record until XX/XX/year> This is what shows up on my credit report. I HAVE NEVER been a customer of XXXX nor had a cell phone through them. I have had XXXX XXXX for the last XXXX years. This was not me who attained this debt. I disputed with all three credit reporting agencies and could not reach the number for XXXX to discuss.
Consumer complaint received 2018-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (NJ)

CBNA/Best Buy reported me late after they confirmed they had my address on file incorrect and that the statements were returned to them. I never got a phone call or an email about this. Then my credit report shows that they reported me late when in fact I was n't, I never received my bill.
Consumer complaint received 2018-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CarMax, Inc. (MD)

On XX/XX/XXXX, I wrote an inquiry dispute letter to XXXX XXXX XXXX regarding an unauthorized inquiry on my credit report. CarMax responded on XX/XX/XXXX advising a photo identification was requested on order to autheticate the applicants identity before the inquiry was made. Hence, I never provided any such info to CarMax nor has CarMax supplied me with a copy of my own PHOTO identification stating I made the inquiry. The inquiry was made without my consent or knowledge.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2018-01-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BB&T CORPORATION (TX)

This is a follow up to a complaint filed at the end of 2016, claim # XXXX. I have tried for about 9 monthsto get in contact with the BB & T 's Senior Vice President Complaint Resolution Manager XXXX XXXX XXXX. I received a standard letter after filing the complaint with the CFPB in XXXX 2016. I received it early last year. I sent a letter and called his office using the contact information on the token response letter. I was trying to get a specific explanation about my problem instead of form letter. I am not quite sure what action to take next. Your guidance in this situation would be greatly appreciated. 

XXXX XXXX XXXX
Consumer complaint received 2018-01-16
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: National Debt Holdings, LLC (FL)

I took out an online loan for {$800.00} but I some hardships and was n't able to repay it completely. The payday loan company later sold the debt to another company. The company 's name is " XXXX XXXX XXXX XXXX '', they have been calling me since the first week of XXXX XXXX and my family members with threatening voicemails about me being summoned and that they will sue me. I called the original creditor and they told me that they do n't have knowledge of these type of practices and that the XXXX XXXX XXXX XXXX should not be threatening me which such actions. I am guessing they have collected family relatives information from online sources and that is completely unacceptable and unethical and has brought distress to myself and family.
Consumer complaint received 2018-01-16
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. (MI)

I have been in contact with TransUnion on more than one occasion about being victimized on their inquiry issue. I have talked with different people and their customer service representative told me it will be ok it will fall off in two years. He stated he will not help me no matter what I say. Listed are the inquiries I had requested to be taken care of and it was not. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-06-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: GLA Collection Company, Inc. (KY)

Gla Collection Compa has sent a debt to all three credit bureaus of a {$32.00} debt that was handled by my Medicare and Medicaid. I have spoken to my Medicare insurance provider and they stated I shouldn't have any claims sent to the credit reporting agencies as this is an violation under the FTC under Medicare Filings act. XXXX XXXX XXXX XXXX sold the account to GLA collection which I notified GLA of this violation and they told me they was going to continue to report it anyway to the credit bureaus. I sent legal affidavits to the credit porting agencies and GLA keeps verifying the debt is in compliance of the FCRA which it isn't. Now I am requesting the CFPB to get involve, Medicare has stated to me several times to file with the CFPB against GLA, since GLA willful violates federal laws.