davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-03
Product: Credit card — 
Issue: Cash advance — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Recently XXXX less than 1 week ago ) I was short of funds and had to take a cash advance on my capital one credit card. I received the necessary funds to repay the full balance of the cash advance and called to get the I formation on how to do this. When speaking to the representative, I asked him what the procedure was to accomplish this as I have always been able to do this in the past with other credit cards. " XXXX '' the representative insisted that this was not possible and stated that the payments are always applied to the lowest interest rate XXXX and then they would go to the highest interest rate charges after all of the other balances were paid XXXX. This is totally unacceptable and potentially criminal! So what they are telling me is that I will be paying 30 % on the cash advance until I pay my entire balance in full?!? I told the rep that what he was saying was wrong and he proceded to tell me that they ( Capital One XXXX WOULD not help me. I have already been charged XXXX separate {$10.00} cash advance fees, which I understood and acknowledged before I made the withdrawals, but what he is saying was rediculous! I told him that I was going to report them to a government agency, and he was very rude and still very unhelpful. 
I am certain that there are laws prohibiting credit card companies from doing this. Please advise me of my rights in regards to thisThank you.
Consumer complaint received 2016-01-29
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (MO)

Received correspondence from XXXX on XXXX/XXXX/15 stating they are attempting to collect a debt for Midland Funding LLC. Responded via certified letter to XXXX requesting validation of debt be sent to my residence. Received response on XXXX/XXXX/15. Did not receive proper validation of debt, however. Responded via certified letter, again, to send me proper validation of the debt. Received notice today that XXXX has filed suit on this debt without providing proper validation of the debt to me. Therefore I will be forced to hire an attorney, at my expense to defend this unsubstantiated lawsuit.
Consumer complaint received 2015-07-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First Credit Services Inc. (TN)

I use to have a contract with XXXX in XXXX NJ and my sister in law too because I was married with her brother we finish having the same last name and the first name. We used to live in the same address but different apartment number. i do n't remember if it was a one or two years contract. I wait until finish and I give the manager of the club the letter that they ask for saying that I do n't want to renovate my contract with them and he make all the changes but my sister in law did n't she just decide to close the account she was using to paid her membership and from the XXXX of us I 'm the only one who has a social security number.When they call me I tried to explain everything to them but they guy on the phone keep telling me that I have to paid that money when he finally decide to listen to me he actually confirm that it was not me because the date of birth that they have in the sistem is not mine. But they call me again telling me the same thing I explain everything to them again and I told them that they are using my social security number to put me on collection for an account that does n't belong to me and I give them my sister in law phone number so they can contact her. But they never solve the problem and they keep me in collection for something that I do n't owe. I need help because This collection is affecting my credit score and I 'm not gon na paid for something that I do n't owe.
Consumer complaint received 2015-07-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have several accounts on my credit file that are not mine and are a result of identity theft these accounts are ... XXXX bank XXXX and other accts when reviewing my fileXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and addresses that I have been used fraudulently that need to be removed here are the addresses XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX / XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX and name aliases that need to be removed here are the aliases XXXX XXXX XXXX, And XXXX XXXX XXXX these accounts addresses and names need to be permanently removed I have sent in copies of a police report # XXXX officer XXXX XXXX badge number XXXX
Consumer complaint received 2016-01-11
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: ENCORE CAPITAL GROUP INC. (PA)

Midland Credit Management PH : XXXX attached my bank account with no notice to me on a debt that is at least 7 years old. I had gotten no notice of a court date ( if any ) or that they were attaching my bank account!!! I only found out by trying to by fod at the store and my debit card would not work!
Consumer complaint received 2016-02-18
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: Mortgage Research Center, LLC (WI)

I applied for a mortgage with VeteransUnited XX/XX/XXXX. I provided them with all pertinent information regarding employment etc. They advised me that I was approved for a mortgage loan and provided me with a pre-approval letter. I then found a home and made an offer. During this process I kept in contact with the lender to ensure that there were not going to be any unforseen hurdles. I was continually assured that there were none and that everything was on track. The lender ordered the title work for the property and I had an inspection done on the home. We were set to close XX/XX/XXXX and I had locked the interest rate for the loan. One week prior to close, I received a letter from the lender stating that they were unable to approve my application at this time. Upon contacting VeteransUnited, I was informed that because I did not have 12 continuous months of employment that I did not qualify for a VA loan. I explained to them that the layoff was seasonal and occured every year and that I had contacted the VA who advised that a seasonal layoff is irrelevant regarding obtaining a VA guaranteed loan. I told them that I had paid for the home inspection and had expended a lot of time and energy, not to mention money in faxing them documents and the inspection fee, to which their response was that maybe XX/XX/XXXX of XX/XX/XXXX. However, with another seasonal layoff with that employer inevitable, it is hard to imagine how they would overlook the continuous 12 month employment issue. It was also pointed out that there are several statements on their website regarding employment which boiled down to that all they require is income to satisfy the mortgage payment and normal living expenses.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX BALANCED {$1900.00} XXXX XXXX XXXX BALANCED {$1800.00} XXXX XXXXXXXX BALANCED {$11000.00} XXXX XXXX XXXX XXXX BALANCED {$8200.00} XXXX XXXX BALANCED {$870.00} XXXX XXXXXXXX BALANCED {$6200.00}
Consumer complaint received 2015-05-19
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: DriveTime (AR)

I am so furious at this customer service department. Its in XXXX, AZ. And they have givrn me nithing but promises and bam! Last XXXX at XXXX my csr is beingloaded up on a tow truck. Drive Time had repossessed it! After making arrangements to defer my payments to the end of the loan after faxing doctors excuse from work by my XXXX. 
I called the customer service number and they have no record of my request. NOTHING!! 
Not a phone call or log of any sort of my request on XX/XX/2015.. 
Only call they have have record of is making an arrangement for that friday XX/XX/2015 that was called in on Monday XX/XX/2015Well thats Hog Wash I have on my phone records numer calls made to them especially on the XX/XX/XXXX. And darn sure gave new phone number to update my accout. 
Now forsr they said they dont do loan deferments on new loans then it was well itstoo late bc the vehicle has already been picked up. Well imagine that. 
The number the lady respresentative gave me for a fax number that I faxed my doctors papers toisnt even a Drive Time number. Ithink its to the XXXX in XXXX. IDkBut they wont do a thing .help pleaseI have XXXX kids im a single parent we just left their father bc of XXXX have had XXXX XXXX counting XXXX tomorrow on my XXXX. Tomorrow they are schuduling a XXXX bc it wont heal. They will have to XXXX. Its been that serious. Unfortunately all this cameabout well actually has gotten worse ince my purchase and I have been off work bc of it. I need my car.
Consumer complaint received 2015-04-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (FL)

XXXX account # XXXX I have insurance, I paid my Deductible/co-pay at the hospital and even recieved a refund for overpaymentof the deductible. I never recieved a bill after my operation. I have no idea why this is in collections they should bill the insurance company ; So far as I know I am not responsible for this bill ; neither have they provided me a copy of the bill so that I could present it to my insurance carrier. They have no right to place this on my credit report without notification of a bill being due.
Consumer complaint received 2024-08-30
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. (MS)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2016-01-24
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK (CA)

Scottrade froze my account without warning and will not allow me to talk to them. The story behind this is quite simple, after I complained about unauthorized access to my account Scottrade became hostile and would not process my requests for an internal review. 

Instead, Scottrade hired a law firm that threatened to sue me for " defamation '' in the event that I continuing complaining about my account problems. In return I asked Scottrade for my account contract and they refused to answer my questions and instead sent me a blank form stating that I have been harassing them. 

It seams that instead of dealing with customers problems, Scottrade chooses to cut-ties with their customers in order to boost this profit and avoid paying for support staff. I would respectfully submit that Scottrade should provide me, as a customer, with the original copy of the account contract and also work with me in a productive manner to review things such as fraudulent transactions, account security, and the returning of my funds.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

Subject : Intent to File Lawsuit for Violation of Rights under the Fair Credit Reporting Act Dear Credit Bureau I am writing to formally notify you of my intent to file a lawsuit against this Credit Bureau for violations of my rights under the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year> I submitted a request through the Consumer Financial Protection Bureau ( CFPB ) website, asking for the method of verification for an account that is inaccurately being reported on my credit report. As per the FCRA, you are required to provide this information within 15 days of receiving such a request. However, more than 30 days have passed, and I have not received any response or the requested information from your company. 

Your failure to comply with the FCRA not only impacts my credit report but also causes unnecessary stress and harm. The law is clear on your obligations, and your lack of response is a direct violation of my rights under federal law. 

The Fair Credit Reporting Act clearly states that if the credit bureau is unable to provide the Method Of Verification within 15 days of the request been made and received then the account must be deleted from the Consumer 's account. A failure on the part of the credit bureau to follow the law is a violation of my rights under the Fair Credit Reporting Act for which I may claim damages. The account in question that the method of verification was requested is that of a account listed on my credit report as Conserve. I list below a copy of the Fair Credit Reporting Act as it pertains to the method of verification request.

FCRA Section 611 ( a ) ( 6 ) ( B ) ( iii ) : This section requires that if a consumer disputes the accuracy of information in their credit report, the credit reporting agency ( CRA ) must reinvestigate the matter. Upon completion of the reinvestigation, the CRA is required to provide the consumer with a written notice of the results, which should include a statement that the reinvestigation is complete and a description of the procedure used to determine the accuracy and completeness of the information. This must be done within 30 days of receiving the dispute.

2. FCRA Section 611 ( a ) ( 7 ) : This section provides that if the consumer requests, the CRA must provide the consumer with a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information. 
Penalties for Violations : The penalties for violating the FCRA can include actual damages, statutory damages ranging from {$100.00} to {$1000.00} per violation, and punitive damages in cases of willful non-compliance. Consumers may also recover attorney 's fees and court costs. In cases of negligent non-compliance, the consumer can recover any actual damages sustained. 

I urge you to take this matter seriously and resolve it promptly. 

Sincerely, XXXX XXXX
Consumer complaint received 2015-09-28
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Financial Credit Service, Inc. (MD)

I received a message indicating that a complaint had been filed against me. The caller did not state the company name and only gave her name as XXXX XXXX. When I called, it took XXXX attempts to get her to identify the company and give me the mailing address. XXXX XXXX said that it was a complaint from XXXX Bank, a bank have not done business with in over 15 years. I explained that I settled my accounts at XXXX over 15 years ago and have no debts with them. XXXX XXXX said that if my social security is XXXX XXXX XXXX then the complaint is against me and they will take action. I would not verify my social security number, and I asked for their Maryland XXXX number. When she asked for clarification, I explained that I am a resident of Maryland that Maryland licenses collectors, and I needed ARA 's license number to confirm that they can legally do business in Maryland. She asked me to hold, and left me on hold until the call disconnected.
Consumer complaint received 2024-08-30
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. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2015-06-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

I currently use XXXX to monitor my credit. Recently noticed drastic decreases in my score based on claims of " maxed credit cards. '' I have XXXX credit cards with a total of {$27000.00} in available credit. Total for all for cards is {$14000.00} = 53 %. The card amounts are as follows : XXXX : {$8700.00} with {$14000.00} credit ( 60 % ) XXXX {$2600.00} with {$4500.00} credit ( 59 % ) XXXX XXXX {$2400.00} with {$6500.00} credit ( 38 % ) XXXX {$410.00} with {$2300.00} credit ( 18 % ) This represents a clear falsification of my information by XXXX of the credit bureaus, XXXX and Experian who dropped my credit in XXXX month from XXXX to XXXX and XXXX respectively. This impacts my ability to purchase a home as well as impacts my ability to achieve a lower interest rate. The impact may be XXXX of dollars which I feel they are liable for due to the false information submitted by the XXXX reporting agencies. 

I have complained in the past regarding their sudden changes to down grade accounts and substantially slower times in increasing rates even after sustained consistent good credit management. Please take the necessary action to require them to increase the scores. This may be a potential for class action suit as I am sure I am not the only person experiencing these false reports to my credit.
Consumer complaint received 2016-02-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Diversified Consultants, Inc. (CA)

I disconnected my XXXX cable and phone service in XXXX 2015. I paid my last bill which includes prepayment of the next billing cycle. So I never expected to get a call from a collection agency for this account. 3 months later, I got a call from a collection agency that I owe XXXX money. I requested the detail of the amount charged, but the collection agency could n't provide because they only got limited information from XXXX, and XXXX could n't provide because the account is already closed. I was never informed about this charge until the collection agency reported this to credit bureau and called me afterward.
Consumer complaint received 2024-08-30
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. (AZ)

On XX/XX/year> I sent Equifax, XXXX, and XXXX a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. It has been over 30 days and they have yet to correct this issue
Consumer complaint received 2016-02-03
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: AUTOMOTIVE CREDIT CORPORATION (TN)

Bought car in XXXX from AUTOMOTIVE CREDIT CORP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX. I filed chapter XXXX Bankruptcy in XXXX at United States Bankruptcy Court XXXX XXXX of Indiana which time this was discharged.My credit file with XXXX was updated in XXXX stating that {$30000.00} was past due with a balance of {$10000.00}. I have disputed this matter several times and keep getting a response of " validated '' .I offered to send a copy of my discharge papers only to be told " you have no public records '' Account Details Last Reported XXXX XXXX, XXXX Creditor Name AUTOMTV CRDT Account Type Automobile Account Status Open Opened Date XXXX XXXX, XXXX Closed Date -- Limit -- Term XXXX Months Monthly Payment {$370.00} Responsibility Individual Balance {$10000.00} Highest Balance {$12000.00} Payment Status Unknown Worst Payment Status Unknown Date of Last Payment XXXX XXXX, XXXX Amount Past Due {$30000.00} Times XXXX/XXXX/XXXX Days Late XXXX Remarks -- Payment History No payment history has been reported by this creditor. 
Creditor Contact Details AUTOMOTIVE CREDIT CORP XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Direct Dispute You recently filed a dispute for this account. 
See the details here. 
XXXX Recommendations Find opportunities to refinance your auto loan. 
Look for ways to save on your auto insurance premiums.
Consumer complaint received 2015-04-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I applied for a loan with XXXX XXXX, was denied credit because my FICO score showed a pending bankruptcy with Trans union. This is incorrect! The bankruptcy is final and discharged on XXXX/XXXX/2008. I called Trans Union XXXX times! I cant understand any of them!!! Tell them to hire Americans, the ones that pay taxes in this country! They deny that it 's pending and the FICO score shows it is pending. I called FICO, they wo n't tell me nothing and tell me I have to contact the Credit Bureaus to change my FICO score. So what do! One denies the credit report and FICO wo n't give me no information! This is not right, If some organization is using a system to judge me, I should have the right to any information used on me!! I do n't know who to contact. I want my credit straightened out.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>