davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-20
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Alorica Inc. (AE)

I had a personal loan with used to be XXXX XXXX XXXX now they are XXXX. I guess they changed their name do a lawsuit wouldn't be brought against them like XXXX XXXX XXXX. I had XXXX personal loans with XXXX in XXXX, XXXX & XXXX. Each time the interest rate was in violation of the SCRA. I would ask why the rate was over XXXX XXXX  they would say it was to protect the loan if a soldier was unable to pay. They knew soldiers would need loans and they took advantage of that by giving XXXX XXXX interest rate. They need a lawsuit against them like XXXX. I don't know how this loan company escape without any lawsuit. Because the money us soldiers paid was ridiculous we deserve to get our money back!!
Consumer complaint received 2024-05-10
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: ENCORE CAPITAL GROUP INC. (MO)

I have garnishments to attached from a company who bought out a debt in XXXX and XXXX. 

The information and interest is entirely inaccurate. 

I may have paid these and do not have any paperwork on the original accounts. 

Senior citizen on low income.
Consumer complaint received 2024-07-17
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. XXXX XXXX XXXX
Consumer complaint received 2024-03-27
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Makes Cents, Inc. dba Advance.Cash (MO)

On XX/XX/XXXX we noticed our credit report was pulled when we viewed it. We contacted the company Advanced cash XXXX. A Loan was issued with my social on XX/XX/year> for {$1200.00}. Loan number XXXX. We contacted them. They said they would investigate. We were notified they closed the account. Later We reached out to them to find out if they will hold us responsible for the loan out in my name and they have not responded. Also I inquired if it would be reported to the credit bureaus. They did not respond.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

please delete the following accounts and inquiries. I tried to fixed it so many times. why still in my credit report please make an actinPlease remove it immediately or elso I will file a complaint. XXXX 's the lists XXXX XXXX XXXX XXXX. XXXX, XXXX {$XXXX} XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX {$XXXX} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$XXXX} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX {$XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$XXXX} XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXXnquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : 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 : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX : XXXX XXXX, XXXX
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (NE)

Have responded to validation letter numerous times. Finally received response on XX/XX/XXXX after receiving letter dated XX/XX/XXXX stating theyd sue me if not paid in full. Response to validation didnt include any information asked for want original credit agreement and statement with what was charged and when. They stated they didnt know what I was asking for. In month of XXXX and XX/XX/XXXX they called XXXX times a week at all hours of the day even after XXXX XXXX central. Spoke to them in XXXX and was swore at and threatened by XXXX different people. They wont prove the debt or what the debt is for. continue to threaten with legal actions without responding to my response of validation letter. Has not updated information with credit bureaus that I am disputing charges
Consumer complaint received 2024-07-17
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)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). If you do not verify these accounts, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (MO)

XXXX- Open balance
XXXX XXXX XXXX- Original creditor
Opened-XXXX XXXX XXXX  (XXXX XXXX XXXX XXXX)
Original creditor name XXXX XXXX XXXX
Consumer complaint received 2024-05-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alorica Inc. (AP)

I received 2 mailed 'bills ' from SST XXXX XXXX XXXX XXXX XXXX IL regarding an outstanding debt ; I have not had a loan. Both invoices I received showed a past payment ( month prior ) but I never paid this company because I don't know who they are, and believe it is a scam. This also does not show up on my credit report.
Consumer complaint received 2024-02-29
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: EdFinancial Services (MI)

Edfinancial is my student loan provider. It states that if you enroll in auto pay, your I merest will reduce by 0.25 %. I have enrolled in auto pay since 2 months ago, but the auto pay confirmation does not show up and was not automatically deducted from my bank account and my interest has not decreased by 0.25 %. Edfinancial is a liar is scamming me to make more money which is highly unethical and deserves to be taken to court for this fraud.
Consumer complaint received 2024-08-03
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. (MI)

I am writing to formally dispute inaccuracies in my credit report under the Fair Credit Reporting Act ( FCRA ). The account in question, associated with XXXX XXXX, is reported inaccurately and in violation 's of multiple sections of the FCRA. Please review the following details and take immediate action to correct these errors. 

Account Information Creditor : XXXX XXXX Account Number : XXXX Reported to : TransUnion, XXXX XXXX and Violations Violation of 15 U.S.C. 1681i ( 7 ) - Method of Verification The account was reported without valid evidence of the alleged debt. I demand verification of the method used to validate this account 's information. The lack of sufficient evidence necessitates the removal of this account from my credit report.

Violation of 15 U.S. Code 1681e ( b ) and 1681i ( 5 ) - Accuracy of Report The reporting of this account fails to meet the standard of accuracy mandated by law. The information provided is not 100 % accurate, as evidenced by the inconsistencies in payment history and account status. For example, there are discrepancies in the date last active, date of last payment, and the payment history across different reporting agencies Unauthorized/Erroneous Account due to XXXX XXXX XXXX This account may have been erroneously reported as a result of the XXXX XXXX XXXX. It is imperative to ensure that the reported information is accurate and not the result of unauthorized access or data manipulation.

Violation of 15 U.S. Code 1681a ( 2 ) ( B ) - Exclusions from a Consumer Report Any credit transaction involving the use of a social security card is to be excluded from consumer credit reports. Please confirm whether a social security card was used in this transaction and remove the account if it falls under this exclusion category.

Payment History Discrepancies The payment history reported is inconsistent, with conflicting information on payments and dates last active. Notably, the two-year payment history is not accurately reflected, with unclear or missing data for multiple months Request for Action In accordance with the FCRA, I request the following actions be taken within the legally required timeframe : Immediate Investigation into the accuracy of the information reported.

Deletion of all inaccurate and unverifiable information related to the XXXX XXXX account. 
Written Confirmation of the results of your investigation and any actions taken. 
Please consider this a formal complaint and investigation request. I expect prompt action and compliance with the relevant federal laws. 

Thank you for your attention to this matter. I look forward to a prompt resolution.
Consumer complaint received 2024-08-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: DISCOVER BANK (NV)

I got an email from discover that {$230.00} was sent to some stranger. I noticed my phone was lost and I called Discover about this. They provided provisional credit for the transaction and closed the bank account and issued a new bank account number. Then they reverse the provisional credit said there's nothing they can do.
Consumer complaint received 2019-07-31
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: EQUIFAX, INC. (SC)

The accounts were not a charge off, they were paid off .. I took care of the accounts and they were paid in full.. Remove this error from my credit report asap XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Transunion is not doing there due diligence and correcting issues on my credit report that I have disputed more than once. They've added 2 more month of incorrect data on my credit report without my authorization. An account can only be charged off once and no data should be reporting after the charged off date because the company has already counted it as a lost. I have explained this to them and they added more incorrect information on their own within 3 days of me disputing the account. How can a proper investigation be done in 3 days? My consumer rights continue to be violated. Not to mention the creditor is not being fully transparent and I am being effected. This company has already removed this account from the other two credit bureaus ( XXXX & XXXX ). How can this account be deleted from two other bureaus but valid on this one? Transunion is refusing to follow consumer law and I am being serverly affected and looking to seek legal action at this point. There response to all my CFPB complaints is they need more time which prolongs the investigation and they still do not properly investigate. Attached is the two results within days of me disputing and nothing was changed but things were added.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Please reference XXXX ID : XXXX & Complaint ID : XXXX. 

After attempting to communicate with Bank of America and them ignoring my request to communicate with them by email, I received a letter in the mail ( attached ) on XXXX, XXXX, 2024 dated XXXX, XXXX, 2024 stating that they have reported negative information to the consumer reporting agencies and that Bank of America is considering my dispute resolved. 

Again, I have no idea what this debt is, who's debt it is, and Bank of America continues to send threatening letters to me telling me they have and are taking action to put negative remarks on my credit report. 

I have not received anything from Bank of America since they sent me the first letter in Case ID : XXXX. This letter was sent to me out of nowhere and I have no clue why they sent it to me in the first place. 

They refuse to communicate with me and to provide any documentation about whatever this debt is in regard to.
Consumer complaint received 2024-07-30
Product: Debt collection — I do not know
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Bank of America sent me an email in regards to Complaint ID : XXXX ( attached ) on Mon, XXXX XXXX XXXX XXXX XXXX XXXX asking if I am the person who filed the complaint. Please reference Complaint ID : XXXX for details on the original complaint. 

I responded that I am the person who filed the complaint about them on XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they have not responded to me since I replied. I asked them to communicate by email since I am unable to use the phone when I am working from XXXX XXXX XXXX XXXX XXXX 

I responded quickly and showed Bank of America that I am willing to communicate with them about my original complaint and they have completely ignored me and have not responded to my email.
Consumer complaint received 2024-07-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I received this letter today not at my mailing address stating that Bank of America is putting negative information on my credit report and that I have to provide information of some sort. I have no idea what this is about. 

Nowhere on the letter does it say " this is an attempt to collect a debt '', it does not provide any information about the debt or statements suggesting that I am responsible for the amount of the current balance. 

I never wrote a letter, email, or had a conversation with Bank of America requesting that they send me this letter. If Bank of America thinks that I did, they should provide proof. 

I find this letter harassing and threatening that Bank of America is going to impact my credit score for no reason.
Consumer complaint received 2024-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/XXXX th I received online message work from that time to XX/XX/XXXX total I deposited {$48000.00} try to get the job completed but at the end of XXXX XXXX XXXX I realized that I have job scammed. I am not returning any money of online job platform - XXXX XXXX XXXXXXXXXXXX XXXX XXXX  That time i immediately contact to bank Wells Fargo and request them to disputed they are not disputed this charge ( temporarily ). I filed a claim. After 5 days they send me a letter this is authorized transection, they deny the claim. I know this is authorized but this is push authorized transection by scammer. After 1 week I submitted all the document to bank ( FBI / IC3 complaint copy, FTC complain letter, XXXX XXXX  investigation report, letter from attorney general from Texas ) that the transection is fraudulent and I have nothing return. I am calling every day to bank for reopen the case and do throw investigation and help me to back my money which made by my debit card. But they didnt listen to me. I am helpless. Need help. This is absolutely fraud case. Please contact my bank Wells Fargo and resolve this issue.
Consumer complaint received 2024-09-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have had a checking account with Bank of America for decades. In this time, I have never been charged a monthly maintenance fee for my checking account until the last few months. I have a recollection some years ago of being notified that if I do not meet a modest monthly minimum balance, I would be charged a monthly maintenance fee of {$3.00}. Instead, the last 3 months I was charged a monthly maintenance fee of {$12.00} for not meeting the new monthly minimum balance. I had to call the bank to find out the new rules and discovered that the monthly minimum balance had dramatically escalated to {$1500.00} and that the fee had quadrupled to {$12.00}, neither of which I was directly nor clearly informed about. Furthermore, I was misinformed by a bank representative that this fee would be calculated on the average monthly balance, however I was informed on a later call that this is actually calculated on a daily balance. I don't know if this policy was updated once again the intervening time without notification to clients or if I was misinformed, but I acted on this information to avoid the fee and was charged anyway. When I asked for a website link about this new policy, I was provided an email that only had unrelated information with nothing about fees nor minimum balances ( see enclosures ). Based on my experience, the bank seems to be intentionally obfuscating new rules to collect monthly maintenance fees en masse, hoping that clients like me will make " errors '' based on misinformation and hidden updates to account rules.
Consumer complaint received 2024-09-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (GA)

My name is XXXX XXXX XXXX, XXXX And I am submitting a complaint against student federal aide and the university I went to was shut down before I finished my XXXX degree and I also tried to not take out the loan and they processed it as well.
Consumer complaint received 2024-09-25
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Triton Recovery Group (PA)

Triton recovery is sending text messages and calling all my family members, bother sister niece and nephews and sending texts and phones calls XXXX a week. 
They are also emailing info to other people Wife, office workers that work at my business and sharing info with them and telling them personal info about this debt I have asked repeated times to stop and t hey still continue.
Consumer complaint received 2024-09-08
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

On XX/XX/year> I applied for a credit card from bank of america and got denied. 15 US code 1691 states it is illegal to be denied credit. Adverse actions are illegal. It is unlawful for any creditor to discriminate against any applicant with respect to any aspect of a credit transaction. ECOA 1002.6 ( b ) -1 which is the equal credit opportunity act prohibits any creditor from using a prohibited basis in any system of evaluating the creditworthiness of applicants, except as permitted by the act and part 1002. What they are doing is unlawful and they must be fined at least at a minimum XXXX not to exceed XXXX for these unlawful acts they are committing. Thank you
Consumer complaint received 2024-08-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Finance Company, LLC (AR)

FDIC XXXX XXXX Status : Initial Processing, Date Submitted : XX/XX/2024 Continental Finance Co XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX DE XXXX XXXX This account has been charged off and the company isn't owed anything. I have not given written, electronically nor verbal consent to violate my privacy by exposing my personal information, according to 15usc 6801 & 6802
Consumer complaint received 2024-09-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio (NY)

I received notification that two collections had been added to my experian credit report, vance and huffman on behalf of XXXX XXXX, woman at collection agency refused to mail me validation of debt letter and claimed they sent collection notice to email address i havent used for anything besides XXXX in XXXX XXXX, checked old email address, did not see any emails from vance and huffman or XXXX XXXX. This is not my debt, and in addition the practices by the collection agency are illegal, she read me the last 4 of my ssn instead of asking to verfiy it, i could be anybody calling, who would now know my name and the last 4 of my ssn. 

in addition why would one lender or whoever XXXX XXXX  is sell debt of one person to one collection agency and split it into two accounts and amounts, to gain additional interest and pressure on me to pay because of the extra damage this collection that is not mine will cause my credit score is my assumption.