davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

My partner and I got a XXXX XXXX XXXX last year with XXXX miles on it. 

They sold is the vehicle for XXXX. 

I cosigned for it because my partner had low credit. 

To pay off is XXXX dollars, 7 year, 14 % interest rate. 

We are trying to refinance it, Was told it's only worth XXXX. 

We got completely ripped off. 

Need out of this mess
Consumer complaint received 2024-07-24
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Mortgage Research Center, LLC (WI)

XXXX XXXX XXXX loan we have been trying to get XXXX XXXX now for over a year and. Company advised me my XXXX. Been denied XXXX times within six months affair waiting reapply which would.affect your credit rating.due to scores. Within these 3x we have been denied. things removed XXXX showing reports. on our credit report my husband who is a 70 Year XXXX XXXX veteran, and also wnom was employed for veteran affairs after .retirement. Now, unable to receive a preapproval letter for fist time homes loan the reason why most. People list list to make sure that your family and you have housing benefits. credit and things in that nature XXXX. XXXX put his line on the line for United States and worked for veteran affairs. Now. We. unable to receive a housing due to credit purposes now Be being a form due to a FICO score Range for veterans loans range has meet XXXX. And which seems that is never happened. Due to so many errors credit specialist whom once removals also credit disputed. things are being replaced back showing on our credit report... Soon as it seems get close to lreach preapprovel., Something's happens to prevent us from getting The preapproval Questions now is this done purposely. 
families that's NOW listed in the services. Whom about to fight for the country. Do they know that they might be without housing. when they come back due to credit score due to errors made or the credit report. Question credit veteran is there any money for loans for housing using the XXXX XXXX veteran services?. Me and my husband has attached our bank card to the XXXX XXXX 's To decrease our credit rating in our scores noticed the reporting has gotten worse. Account that been paid off made on time has changed now we sold errors due to us trying to seek preapproval for XXXX The question now is this done purposely. After this company denied you.they don't contact, you. Until next Denial.
Consumer complaint received 2024-07-28
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (FL)

On XX/XX/year>, I received an email from a debt collection agency known as XXXX. The email provided a registration code to create an online account through their website to pay a debt. I followed the instructions and created an online account. On XX/XX/year>, I paid the debt of {$190.00} in full and was provided XXXX XXXX XXXX XXXX  for the payment. The next day, the payment was deducted from my bank account. However, when I try logging into the debt collection website to make sure my payment is reflected in their system, it shows my login information has been disabled. It gives me an error message that says they are unable to service my account through their web portal. Also, they never sent me an email regarding the receipt of my payment. I only have the payment deducted from my bank account as proof. 

Furthermore, the debt from this collection agency is still reflected on my credit report even though it has been paid on full.
Consumer complaint received 2024-07-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: McNeil & Meyers Asset Management Group, LLC (TX)

McNeil & Meyers is attempting to collect a debt that they say is owed to XXXX. I did not open an account nor solicit any services with XXXX. Nor did I provide them any of my personal information. On XX/XX/year> McNeil & Meyers was notified by certified mail with confirmed delivery of receipt, to cease and desist any and all attempts to collect a debt from me and to remove any invalidated or inaccurate negative mark found on any of my credit reports while the debt was being disputed. However, McNeil & Meyers continued and are continuing to report the invalidated or inaccurate negative mark and updated it monthly. This is causing me a great deal of stress. At this point I am prepared to file a formal complaint with the Texas State Attorney Generals Office and the Federal Trade Commission.
Consumer complaint received 2024-07-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (NY)

I tried to make and online purchase to XXXX and it was denied. I called the banks 24hr customer service number to ask why I cant use my card And I was hung up on RUDELY after being told I would have to go into the bank branch its self and they will have to resolve the issue. This wasnt the first time I had to go into the branch and verify myself to receive my money. So on Friday XX/XX/year> I went to the XXXX Citi bank branch in XXXX XXXX to figure out what was going on with my account where I was told that my account was going to be closed and I have to wait 60 days to receive my account balance by mail to the address on file. I then went to the XXXX branch at XXXX XXXX XXXX XXXX XXXX where I was told over the phone my funds could be expedited to me at the branch. Then after nearly XXXX hours of waiting for a XXXX at Citi bank XXXX XXXX XXXX I was told I have to go to XXXX XXXX XXXX because the XXXX branch didnt have a bank supervisor to complete the Transaction and when I got there to ask for XXXX the bank supervisor for XXXX XXXX XXXX XXXX At this point I sat with a banker and he made a call to XXXX which they said I have to wait XXXX days to receive a check for my balance in the mail. After that I called an spoke with XXXX where she spoke to the banker and told him he should go ahead and release my funds to me and he said he wont do it until XXXX gives him the ok. XXXX XXXX the bank to give XXXX a call while she was on the phone an we sat there for over XXXX minutes an XXXX still did not pick up and the banker told me the bank was closing that I should come back on Monday to resolve this. Im not able to get access to my funds the app wont allow me in and the customer service representatives are giving me the run around
Consumer complaint received 2024-07-28
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: FIFTH THIRD FINANCIAL CORPORATION (AZ)

I received a statement in the mail today that shows multiple reversed fees, XXXX XXXX XXXX payments, and late fees. {$150.00} of {$10.00} late fees and a payment of {$270.00}. My monthly payment is approximately {$160.00} with a due date of the XXXX of each month. I make my monthly payments before the due date and Im incurring a monthly {$10.00} late fee. Per this statement unbeknownst to me I have to pay my payment by the XXXX of the month to avoid a late fee. Per the contract document it states that I will receive a {$10.00} late fee if not paid XXXX days after the due date of the XXXX of each month. This does not state a reoccurring {$10.00} late fee if paid before the XXXX ( my due date ). If this is the case my due date should be documented as the XXXX instead of the XXXX of each month. I have not agreed to a continuous late fee for paying before my due date. I have not had any real positive interaction with this company without involving complaints. I was informed by the landscaping company that conned me in to this deal and was notified that this company no longer service landscaping financing.
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2023-06-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

For one I paid my account off with XXXX XXXX XXXX XXXX XXXX TransUnion keep dropping my score unlawful violation consumer rights protection act on top of this TransUnion report unlawful using XXXX XXXX XXXX XXXX to harm my credit score by reporting unlawful act know I have an identity thefts fraudulent activity an fraud alert on .my credit report due unlawful act personal information failed to investigate illegally activity instead taking the company word with 2 form identification by law must be on file to run anybody credit in the United States of America to be approved for any type loans or credit installment payment must have identification number on file an proff of address if they can't provide them documentation im file lawsuits on TransUnion credit report failure to comply with federal regulations guidelines NMLS registration number have the license revoked due to u unlawful act tampering records proving false address identity thefts now XXXX XXXX XXXX XXXX have 10days to provide documentation an verification of 2 form identification on that credit application if they can't provide them I'm file civil action lawsuits against their company an have they license remove an revoke for buying illegally debt an harrissing me violation consumer rights protection act 10 days or removed it from my credit report now
Consumer complaint received 2023-11-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc. (TX)

I have not lived in XXXX Michigan in XXXX  years and this report is on my credit!!! This is not me and I just filed a police report against whoever did this and this company will be reported for not verifying identity. We dont even have a XXXX XXXX tx XXXX Please remove this ASAP!!! I have never even been contacted about this or it would have been handled! I have XXXX collections on my report and now I have this small one!!! I did not notice until I logged in my XXXX XXXX to see this had been added
Consumer complaint received 2024-07-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (TX)

The date the account open was XX/XX/2023 The amount due on the debt according to XXXX XXXX is {$290.00} The company has already attached this debt to my credit and has derogatory marks stemming from it. I already have XXXX service on a friends account and this fraudulent activity stopped me from being able to transfer my phone to my own line of service with XXXX. 
I already tried to dispute it with XXXX XXXX and it came back, not changed. I even let them know that I had been a victim of the data breach through XXXX XXXX XXXX  and that my information as far as my Social Security number and other sensitive information was leaked onto the black web.
Consumer complaint received 2019-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Clarity Services (OH)

Have contacted your company multiple times concerning a security freeze due to I am a victim of Identity theft. 
Conpany keep sending mail stating not enough to verify my identity. Ive sent my cdl birth certificate bank statements social security card and utility bills to them but they keep requesting more documents to prevent applying freeze as Ive requested multiple times.
Consumer complaint received 2024-07-28
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (MO)

I've never heard of AMSHER until I logged into my credit report today [ XXXX XX/XX/year> ]. I filed a dispute against XXXX and provided my RECEIPT showing I paid for the item T-Mobile falsely claimed I owed, as such, XXXX removed the debt from their " original '' debt collector. 

It's apparent the original debt collector " sold '' the account to AMSHER.

AMSHER is also in violation of my rights in failing to comply with FDCPA and reporting this bogus debt to all 3 credit bureaus BEFORE ever notifying me AND before AMSHER validated the validity of this debt. 

I have also attached to this complaint an Electronic Certified Debt Validation Letter, notifying AMSHER they have 30 days from the date on the Electronic Certified Debt Validation Letter to validate this debt. 

Until then, they MUST remove this account from ALL 3 credit bureaus.
Consumer complaint received 2024-07-28
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Block, Inc. (TX)

On XX/XX/year>, I received a Cash App Card and the letter mailed together is asking me to scan the code to activate it. I never used Cash App nor opened an account nor applied for a card. 

I searched online - it seems to be common scam but very hard to ask Cash App or the bank account to close it without giving my confidential information.
Consumer complaint received 2024-07-30
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Resurgent Capital Services L.P. (MA)

They never sent information to me when I requested. They have duplicated derogatory marks on my credit report with all three credit reporting agencies. XXXX XXXX, XXXX and XXXX. They have different amounts listed and this has been bought and sold off so many times they can not keep it straight BUT all of the derogatory marks needs to be cleaned off my credit report with all three agencies. This is not my debt and it they can not prove it, ever.
Consumer complaint received 2024-07-26
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC. (IL)

Pursuant to FCRA Section 605B it is illegal to report any information on my credit report without my permission. Please remove this item from my credit report. Thank you! 

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.
Consumer complaint received 2024-07-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP (AZ)

hey I recently tried to open an account up with US Bank but they are giving me a hard time opening a account up. US Bank states that I cant open up a checking account up with them. I dont have any bad banking history with US Bank or any other bank I am being treated unfairly they didnt give me any specific reason why Im keep being denied for a checking account
Consumer complaint received 2024-06-24
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. (FL)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2019-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: MicroBilt / PRBC (formerly CL Verify) (OH)

Have contacted your company multiple times concerning a security freeze due to I am a victim of Identity theft. 
Conpany keep sending mail stating not enough to verify my identity. Ive sent my cdl birth certificate bank statements social security card and utility bills to them but they keep requesting more documents to prevent applying freeze as Ive requested multiple times.
Consumer complaint received 2023-11-21
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 2024-07-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/year> I was at work in my roommate, XXXX XXXX was at home and I got a notification saying my account was {$2000.00} I clocked off work and I went straight home to my room being totally disaster. My roommate went into my room went into my dressers and took my debit card and my Social Security and my XXXX XXXX he use my card at several other stores, which is XXXX target and stop & shop spending thousands of dollars on I do not know what I called him he didnt answer. I called my bank to tell them that I had got scammed because I am from XXXX and I dont understand the American term of language. so Chase had told me they was going to give me a provisional credit within XXXX hours I never received it so my mom stepped in to help me because I have a XXXX on top of not knowing American terms of language well and Chase had told my mom when I was on the phone with her that they will credit me back within XXXX hours to one business day it end up going from one day until a week and we kept calling the supervisors of Chase. We had the manager call us. No one is helping me with my claim. Theyre tossing it under the rug they saying because it was scammed instead of fraud, but I was telling them I was scammed because I dont know the terms of fraud. I thought scam is also included as fraud. Because thats what we say, and XXXX now I am facing a eviction I havent been able to pay my rent and Chase theyre going off the first conversation and keep saying because the pin was used, but my pin number was written down on a piece of paper in my dresser so when he went through my room, he found all of my personal information and he had a camera in my room And when my mom had called in on the phone with Chase XXXX the Chase supervisor herself said that I was being Credit back my XXXX because my mom had explained everything saying that I havent XXXX and I dont understand American language and she said OK. The money will be back into your account. She lied and its been XXXX months going on now and Im still fighting with Chase for my money and XXXX the victim here whos been robbed and Ive been with Chase for a year and this is the first time this have ever happened to me I worked to save my money to make my American dream and now XXXX about to be homeless with the eviction on my name because of CHASE Who havent gave me a credit that kept informing me, which is on voice recording on Chase end saying theyre going to give me credit then lying and saying theyre not and Im too terrified to go into do a police report because Im afraid of the police, but I have did everything else Chase had asked me so this is my last option of reaching out to CFPB to help me get my money back
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-07-30
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

This letter serves as a formal complaint that they are reporting in accurate and incomplete information on my credit report. The notation of the following late payment is in accurate. Please reach out and verify that all data for this account is reporting accurately, including every time late fee and date and balance, whether reported or not. 15 USC 2b. I respectfully request to be provided with proof and those payments were in fact late. By the provisions of the consumer protection law, I demand that it failed to do so or liking proof of these payments being late please update my payment panel paid as agreed never late and supply a corrected credit profile to creditors who have requested a copy of my credit report in the last six months. 15USC 1666b I am also requesting the description of the procedure used to determine the accuracy of this information. I have read that this must be provided within 15 days. I also read that under federal law. They have 30 days to complete the investigation. USC 1681B I am understanding that you must validate these items with the reporting creditor for accuracy. Please remove any information that the creditor can not verify. I know this must be complete within 30 days of the receipt of this letter or you must remove the incorrect information. 1681C 2 A consumer reporting agency shall block the reporting information of any information in the file of a consumer that the consumer identifies as information that resulted as a ledge, identity theft, not later than four business days after the date of receipt. If 30 days pass, you are in violation of this law. Because I am a victim of identity theft please delete these items immediately. Please send me an updated copy of my credit report to the above address, thank you so much for your prompt attention time and help in this manner.