davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-31
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: ENCORE CAPITAL GROUP INC. (TX)

I disputed the collection with the the collection agency my claim shows evidence of identity theft from a police report, and everything reported should be shown as accurate. Per Section 609 ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), you are required by federal law to verify any and all accounts posted on my credit report, and only report accurate information. I request all verifiable proof you have on file for the listed following account with original documents/wet signatures and no screen shots. These delinquent account record is inaccurate. I also spoke with a representative and felt very threaten and harassed with the language of the rep. This is very unexceptionable, this is causing mental anguish. I request that the following account be promptly removed immediately off of my credit for Midland Credit management for XXXX and XXXX XXXX
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CO)

A data breach of Equifax resulted in the disclosure of my highly sensitive personal information entrusted to Equifax. Equifax was negligent in their storage of my data and is responsible for its protection. They have made no attempt, to my knowledge, to contact me, and evidence suggests that they were aware of the data disclosure for months yet did nothing about it to protect me.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company. 

It is further unreasonable that in order to find out if we were effected by the hack, they are requesting we give them our sensitive personal information AFTER we know they are not capable of keeping it secret. They should be directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.
Consumer complaint received 2023-07-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

The payment due date on my Walmart credit card issued by CapitalOne is XX/XX/XXXX. I made my payment on the due date of XX/XX/XXXX however, CapitalOne is assessing me a {$28.00} late fee even though the following day is a federal holiday and the payment will not be processed or completed until the XX/XX/XXXX. 

I am attaching a screen shot of the CapitalOne mobile app to show that the late fee was assessed the same day as the payment due date and a e-mail confirming that payment was made on the due date of XX/XX/XXXX. 

CapitalOne is the only credit card company that has early cut off times. All the other credit card companies XXXX, XXXX, and XXXX give customers until XXXX XXXX on the payment due date to make payment before assessing a late fee. Credit card companies also program their computers to automatically assess late fees. 

In my opinion the federal government and the states should either limit the late fees to {$10.00} or prohibit the late fees altogether. Additionally, credit card companies are required by law to charge off accounts when no payment has been received for 180 day and once they charge off the account the late fees and interest must stop. This late fee is a junk fee just a fee to charge a fee and squeeze additional revenue out of consumers.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

On XXXX XXXX, 2017 I became aware that Equifax was hacked, and sensitive consumer account information was stolen. Upon learning this I went to www.equifaxsecurity2017.com to see if my account was impacted, and discovered that it was. I immediately called XXXX to place an initial 90-day fraud alert on my account. I then requested my annual free credit report to determine if there was any information that I should dispute. There was not, and I also took the opportunity to file the same fraud alert on that website in addition to filing the alert with XXXX.
Consumer complaint received 2017-09-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I have been ill for the past month. I have not had control of my finances. I have a checking account with Bank of America. I had some auto payments submitted and they were returned by the bank for lack of funds. I understand that I have to pay the overdraft fees, but B of A wants {$260.00}, when the fees total {$170.00}! Trying to contact someone in the bank 's corporate offices is impossible. You get transferred from one place to another. I am retired on Social Security and I ca n't afford these kind of mistakes. Please help!
Consumer complaint received 2022-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

This credit bureau is reporting inaccurate account and payment information as it pertains to a XXXX XXXX XXXXXXXX account that is listed on my credit report. The account number for that XXXX XXXXXXXX XXXX account is XXXX. I have disputed the accuracy of this account numerous times and pointed out to the credit bureau why it is reporting inaccurately and they have done nothing to fix it but continue to report the same inaccurate information. 
With that in mind I am therefore exercising my rights under the Fair Credit Reporting Act and asking this credit bureau to provide me with there method of verification showing that this account is reporting on my credit report accurately. I am requesting documentary evidence provided by the creditor to you showing that this account is reporting accurately on my credit report as it is not reporting accurately. The law gives you 15 days in which to provide me with that method of verification. The fair credit reporting act says that if you are not able to provide me with that method of verification within 15 days of you getting this request then this item should be deleted from my account.
Consumer complaint received 2022-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (UT)

I had an auto loan with XXXX XXXX XXXX XXXX originating on XX/XX/2016. I paid on that loan consistently and never had a late payment. The XXXX XXXX is reporting that I had a late payment and I need that corrected immediately.
Consumer complaint received 2022-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I had an auto loan with XXXX XXXX XXXX XXXX originating on XX/XX/2016. I paid on that loan consistently and never had a late payment. The XXXX XXXX is reporting that I had a late payment and I need that corrected immediately.
Consumer complaint received 2022-02-21
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. (GA)

On XXXX XXXX I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. On XXXX XXXX Equifax sent a letter stating that they had completed the investigation and the items were verified. 

On XXXX XXXX I faxed a letter that was received by Equifax ( see attached ) requesting based on FCRA 611 ( a ) ( 2 ) ( B ), they are required to forward all of the relevant information. I asked them to provide me with all of the information they used for their investigation, as required by FCRA 611 ( a ) ( 7 ). 
I asked them to reply within 15 days or delete the negative items, as originally requested. 

They failed to replied within the time frame.
Consumer complaint received 2022-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: BARCLAYS BANK DELAWARE (CT)

I was late making a payment for the yearly membership fee of {$29.00}. This incident was reported to consumer credit agencies by Barclays Bank. I missed the late because I was in the hospital from XXXX XXXX through XX/XX/XXXX due to XXXX. When I got Out of the hospital, I realized the outstanding fee. I paid the XXXX immediately on XXXX and set up my auto-pay service so a mistake like this would never happen again. The annual membership fee was accessed to my account on XXXX and showed on my XXXX statement. 


I have had a stellar relationship with Barclays for over a decade and never missed a payment. However, by Barclays Bank reporting this incident to the credit agencies, Barclays put a blemish on my credit report that caused my score to plummet over XXXX points. My situation was out of my control. 

I contacted Barclays several times to explain the situation with no success.
Consumer complaint received 2022-11-14
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. (IL)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account Name & Number : XXXX XXXX - XXXX, XXXX - XXXX, XXXX XXXX XXXX  - XXXX, XXXX  - XXXX, XXXX XXXX - XXXX, XXXX - XXXX, XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/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 2019-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK (NY)

I closed my Discover Card account in XX/XX/XXXX. Discover Card continues to access my XXXX   credit report and look for my SSN online, without my permission. I have tried multiple times to get them to stop accessing my credit information but they continue to do so. I've called multiple times to stop this, the latest conversation being at the end of XX/XX/XXXX, where they swore they were no longer looking up my info, and yet I received another email on XX/XX/XXXX saying they had been monitoring my credit report/SSN activity. 

They do not have my permission to do this, I am no longer a customer, yet they continue to look into my private information without my permission.
Consumer complaint received 2019-04-26
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: BTH Management (OH)

There is an account that has been listed on my consumer report from Plaza Services there is no account number I am not the owner of this account I have disputed this several times with the credit bureaus they have not removed it and will not show me what is the proof I own this debt. I sent a validation letter certified with no response from the creditor with any proof this is my debt. They are now legally obligated to remove this I am not the owner of this debt.
Consumer complaint received 2022-11-14
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: Experian Information Solutions Inc. (TX)

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-02-21
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. (MO)

This complaint to TransUnion result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed or corrected from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXXXXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX  Date XXXX inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXXXXXX XXXX  Date of inquiry XX/XX/XXXX
Consumer complaint received 2022-02-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SIMM Associates, Inc. (VA)

I don't understand that infomation you need. I don't know anything about the colleccion. A few months ago I found this SIMM ASSOCIATES collection which I sent letters for more than 30 days and I have not had any response from them, THEY DO NOT ANSWER THE LETTER I SEND THEM NOR DO THEY SEND THE INFORMATION REQUESTED TO VALIDATE THE DEBT
Consumer complaint received 2022-02-21
Product: Student loan — Private student loan
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: HEARTLAND PAYMENT SYSTEMS INC (NY)

XXXX has acted as a debt collector have have sent documentation to my abode without my consent. The documents they have sent me were both threatening and full of misleading information. Pursuant to 15 usc 1692b ( 5 ) the company has violated my rights by sending me debt collection information with a stamp on the letter head that proves they are in the debt collection business. This is a violation of my consumer rights. 

XXXX have also used false and misleading information in their attempt to collect a debt by stating I have an outstanding balance and a '' payment '' is needed when the account was started from my consumer credit card from the federal reserve. 

By including another company ECSI this debt collector has violated my rights under 1692f ( 1 ). A threat was sent to my abode and I demand that they cease all reportings of such alleged debt as well as send a full investigation of this alleged debt.
Consumer complaint received 2020-08-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (CA)

I had a cash app account with funds still on it. I lost my phone in a waterfall and lost access to the account & created a new one. I attempted to merge accounts to intercept funds from the first account like they instructed and they gave me limited help as well as deleted my funds from the number I had assigned to the original account. I bought a new phone today, kept the same number & attempted to login. I was met to XXXX . When I complained to support, I was met with limited to no help again. Please help
Consumer complaint received 2022-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX XXXX issued a check of {$340.00} to me for unpaid wages. The check was sent to an old address in New York. I was not in this state when this check was issued and cashed by Capital One. Capital One cashed a stolen check with my forged signature which posted XX/XX/2021. I was not in the state when this check was sent, received, nor cashed. The signature clearly looks nothing like my signature. I also have never been a member of Capital One. Capital One has sent me a copy of the stolen forged check they cashed and told me I would be on my own. I am now out {$340.00} because of Capital One.
Consumer complaint received 2023-04-18
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: KEYCORP (NY)

Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Auto Loan Auto Loan Auto Loan Bureau Code : Individual Individual Individual Account Status : Closed Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$10000.00} {$10000.00} {$10000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Closed - Closed or paid accountXXXX  balance Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX as of XX/XX/XXXX i have noticed fraudelent accounts and inquiries on my credit report and consumer reports 15 U.S. code 1681c-2 a consumer reporting agency shall block the reporting of my information in this file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the receipt.
Consumer complaint received 2016-06-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Nelnet, Inc. (IL)

I was declared fully and permanently XXXX by a sitting Federal Court Judge in 2004. My income derived from SSXXXX. My income is below poverty level and a wage garnishment by Nel-Net, the XXXX current loan shark, has taken my income even farther below poverty level and it seems the dept of edu has their own standard of determining who is XXXX and who is not since they can disregard the decision of a Federal Court Judge and the panel of experts sitting with him. They conferred with each other, before the jusde handed down his decision. 
In my XXXX semester at the university, I began to enter a XXXX ( XXXX ) and informed my instructors I needed to withdraw from their classes. I was enrolled in XXXX classes. I attempted to contact my student adviser through calling and e-mails, but she never responded to advise me in any way. I was between my XXXX to 4th week at the time. The university showed me as having dropped out and charged me for the entire semester. This was in XXXX. Now my below poverty XXXX income is being garnished, for XXXX, by a loan shark company who continues to add on penalties while they collect on the loan. I have tried for 2 1/2 years now to get this loan deferred with no success.
Consumer complaint received 2015-04-07
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (MA)

I called Navient ( XXXX XXXX ) to see my options regarding reducing my interest rates ( 9.75 % and 5.25 % respectively on my XXXX loans ). I explained that my reason was I had received an offer from a competing institution to consolidate my loans under a much lower/fair rate. However, the " manager '' I eventually spoke with ( employee ID XXXX ) told me that they do not care if I left, they do not need to adjust their rates and they do not alter the term of the contract ( oh, but I could extend the loan to lower the payment instead-would I be interested in that? ). I explained I wanted to simply understand what my options were for lowering my interest rate at Navient rather than completing all the paper work for paying off the loan through a different finance company. Instead, I was surprised to hear him tell me that he did n't care if I left, Navient as a company does not need to lower my interest rates. Yet my contract states it is a VARIABLE interest rate, so it seems to me that Navient 's position is that they can raise the rates whenever it is beneficial for them, but will never lower them.
Consumer complaint received 2020-08-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (FL)

On Friday XX/XX/XXXX I cashed out {$500.00} and {$100.00} through cash app. I got the {$100.00} deposited on Tuesday morning but the {$500.00} is still missing and its now Wednesday morning. Ive tried contacting the cash app through email and both of their XXXX   accounts and Ive gotten no response.