davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: COMMERCE BANK (MO)

Company Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX commerce bank I received a {$24000.00} check for hail damage to my roof and as soon as I presented check to them they said I was late on flood insurance {$3700.00} this is not right I've probably visited bank 7 times asking for details and nothing is happening my number is XXXX XXXX XXXX
Consumer complaint received 2023-07-29
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. (TX)

Previously, I made an investigation about these accounts with inaccurate information and after checking your responses I recognized that the same accounts are still incorrect, with a confirmed status. Please correct the following accounts listed below : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$47000.00}
Consumer complaint received 2024-07-16
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. (MN)

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement. 

As I know the creditor didn't notify me XXXX  days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report.
Consumer complaint received 2024-07-10
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC (OH)

My last statement XX/XX/year> shows fees aside from the loan advance is {$520.00} and fees for this year are {$2200.00} this is in addition to my loan I now have a payment due of XXXX and most of it minus? {$100.00} or so will go towards balance. Fees are outrageous. The company is Advance Financial 24/7
Consumer complaint received 2024-07-11
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: MOHELA (GA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Avant Holding Company, Inc. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. Please see attached file for these items I am complaining. 
"
Consumer complaint received 2024-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Credit Karma (WA)

I open an account with Credit Karma 6 months ago. I usually use this account to save money in it. On XX/XX/XXXX I receive 3 separate notifications about 3 separate charges on my account saying someone has transfer money into a XXXX XXXX account in the name of XXXX XXXX in the amount of {$9.00} and another amount in {$930.00}. I went and trying to lock my account, it says they change my phone number and they transfer the {$380.00} that I save into my savings account into my spending account. I try to lock my account and it was too late, they hacked my account and stole the {$930.00} that I have save into my credit karma account. Someone stole my money using XXXX XXXX under XXXX XXXX and drain my bank account. Ive call Credit Karma and they froze my account. I havent heard anything back.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: HUNTINGTON NATIONAL BANK, THE (IN)

My information was found by m a 3rd party website called early warning signs. Per the FCRA, as a federally protective consumer, I am now opting out any and all authorization, I the consumer may have given you, written, unwritten, verbal and non verbal, per 15 USC 6802. THE PRIVACY ACT OF XXXX XXXX 15 USC 1611 ) Criminal liability for willfully and knowing violations. ( 15 USC 1681 ) Accuracy and Fairness of Credit reporting. IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. ( 15 USC 6801 ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information. ( 15 USC 6802 ) Obligation with respect to disclosures of personal information. ( 15 USC 6805 ) The enforcement of the regulations prescribed there under shell be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulator, the State insurance authorities, and the Federal trade Commission with respect to financial institutions and other person subject to their jurisdiction under applicable law.
Consumer complaint received 2023-04-11
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aequitas Capital Opportunities Fund, LP (MO)

I recently visited XXXX XXXX  XXXX XXXX ( XXXX ) and owed some small medical debt to them. XXXX partners with a company called CarePayment ( CP ). Through CarePayment, XXXX offers their customers a 0 % line of credit. They advertise that all a customer has to do to opt-in to this line of credit is to not pay their bill for XXXX  days and they'll receive further communication from CP. " If you can not pay the entire balance within XXXX  days, our partner, CarePayment, will notify you regarding a XXXX interest monthly payment plan. You will receive a welcome kit from CarePayment in the mail that includes your first statement with the due date and the amount of your monthly payment. '' This process worked perfectly for my bills dated XXXX and XXXX. However, I also had a bill dated for XXXX that, instead of being sent to CP and applied to my 0 % line of credit, is being forwarded to collections. XXXX sent me a bill that has contradictory information on it, leaving me unsure of what's going to happen with my bill. For the statement for XXXX, the most recent bill they sent me still says I can not pay the bill and XXXX  days later they'll add it to my CP account, but they also say that I only have XXXX  days left to pay the bill or they're going to send me to collections. I received no such threatening letters regarding my XXXX and XXXX bills as they were properly applied to my CP account.
Consumer complaint received 2024-07-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MI XXXX Resurgence Subject : Dispute of Collection Account # XXXX Dear Sir/Madam, I am writing to dispute the validity of the debt associated with account number # XXXX. According to my understanding of the law, I believe that this debt may have been collected or attempted to be collected by extortionate means, as outlined in 18 U.S. Code 894.

As per the statute, it is illegal to use extortionate means to collect or attempt to collect any extension of credit. I request that you provide evidence verifying the legitimacy of this debt and the collection methods employed. Specifically, I would like to know : 1. The original creditors information.

2. Details of the alleged debt, including the amount owed.

3. Any documentation proving that the debt was not collected through extortionate means.

Please cease all collection activities related to this account until you have verified the debts validity. Failure to comply with this request may result in legal action. 

Thank you for your attention to this matter. I look forward to receiving the requested information within 30 days, as required by law. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-07-13
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Forward Funding Group, Inc. (NJ)

Today, XX/XX/2024 at XXXX, I tried contacting Forward Funding at ( XXXX ) XXXX to see if I could apply for debt consolidation. After asking a few questions, I was asked my Social Security Number. The customer service worker on the phone then asked for my date of birth. Before I could respond, I was disconnected. 

Prior to this, the phone call had no connection issues. We heard each other perfectly fine. Given that I was already skeptical about calling given that I received a letter to apply in the mail, I am worried these are scammers.
Consumer complaint received 2024-07-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (AL)

Well, the dealership ( XXXX XXXX XXXX had the truck for 3 1/2 weeks. Suppose to been a timing chain issue. The truck still has the same problems when I got it back. I been had it back for a week now. I called and told them about it. And their response was, they wasn't going to fix it because I filed a complaint. Well I tried to resolve the issue a week after I purchased the truck. I have asked for money back, or trade it, because I don't want it with these type of issues. And I thought I was getting a truck for XXXX and turned out to be XXXX, that's double. If I knew this when I got it I would have left on their car lot. Credit Acceptance warranty is not very helpful either. I was told I just had to pay a XXXX diagnostic fee when anything happens comes to find out that is not true. I want out of this contract and I also want my money back. The XXXXXXXX XXXX XXXX payment and my 3 months worth of payments back. Paying for something that I have not used in a month and making a payment a same time is crazy. This is a big scam if I had to say so, myself. A rip off. And too put everything else on the table. The oil dipstick was broke off in the hole. I had to pay to get it out, the blend door actuator was clicking the whole time the truck was running, I paid to get it replaced. Several lights was not working. I changed all those. The transmission would jump out of gear. Tried the recall on that but XXXX said the truck was too old. It was for XXXX models and up. Timing chain issues which still has not been fixed. But I'm supposed to pay for a poor too none maintenanced vehicle. This is just crazy.
Consumer complaint received 2024-07-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: TRUSTMARK CORPORATION (MS)

Trustmark Bank, XXXX XXXX, XXXX XXXX, XXXX XXXX my situation with the home that i.have problems with led.to my foreclosure this home has a lot of problems with Electrical and Plumbing with water leaking into my hallway with water at least XXXX feet of water in my basement there are a lot of problems I could not even get insurance for this home because of the Electrical and Plumbing issues i was ruled ineligible because of the property problems with Electrical and Plumbing also I contacted XXXX XXXX XXXX deals with mold and abestos saw the water in the basement and said that water is coming from underground and that is causing the problem but said the previous owner and XXXX  XXXX should have known that. The gentleman said that something should have been built so the water wil.have a way out I was told by the agent XXXX XXXX that no water will get no higher than XXXX inches because the submersible pump that they had in the basement but unfortunately the pump did not work and have water in the basement because of the high Electrical bill and water bill Al 's I have other bills and responsibilities to take care of and I fell behind on my bills I spoke with a few realtors file a complaint with the Mississippi realtor association the realtors have seen the pictures and videos I sent them concerning this home also abestos is in my attic where water from the ac has leak everyday and damage this is a FHA loan I also reach out to FHA concerning the issues with this.home and delay and stop the foreclosure its a lot of problems and trying to get someone attention because this is not right I wanted submit more videos and pictures but it would not allow me submit no more than 1.
Consumer complaint received 2024-06-28
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: Experian Information Solutions Inc. (VA)

My account with XXXX XXXX, XXXX XXXX, XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX, XXXX XXXX, XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates XXXXSC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in months that are reported late to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX, XXXX XXXX, XXXX XXXX, Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information 
was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-13
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. (GA)

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 informationisinaccurate.
Consumer complaint received 2022-01-09
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CNG FINANCIAL CORPORATION (OH)

I was contacted several times back-to-back from a debt collector saying they were check and go. They called me several times in the morning. I answered and told two agents I was at work and couldn't talk and that they send me a letter to verify said debt. The one rep who was a male immediately begin to curse at m and say, " Just pay the bill XXXX, we're taking you to court '' and hung up. I told them several times to send me a letter and not to call me during the hours of 8 and 5 pm and that they could send me a letter. They then begin to leave voicemails saying I had a " order of judgment '' against me and It was filed in court on XX/XX/2021. I've asked them to produce a signed contract showing me that I am the owner of this debt and when I said that I was cursed out again and hung up on. I am ready to seek legal action against the company for the constant harassment and scare tactics. They've even threatened that they will be showing up to my job to serve me papers
Consumer complaint received 2024-07-15
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NC)

Received a call today on XX/XX/year> that stated I had failed to make my Victorias Secret comenity bank credit card payment. I never received a paper statement which is my preferred method of communication due to the amount of bills received each month. The institution is now discriminating by charging {$3.00} for a paper statement so I was opted into paperless. The digital statement I believe went to spam because I dont recall seeing it either. When I called about the {$25.00} late charge on a {$25.00} purchase that was made the first week of XXXX, I was told that they can charge that amount and it can be up to {$41.00}. When I requested the fee be waived the associate said she can only waive {$15.00} and not the full {$25.00}. I asked to be escalated to a manager who also said she could only waive {$15.00}. This company is violating the CFPB rule on late fees by charging excessive late 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my follow up complaint, 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 Balance {$720.00} XXXX XXXX Balance {$460.00} DPT ED/XXXX XXXX Balance {$9100.00} DPT EDXXXX XXXX Balance {$4700.00} DPT EDXXXX XXXX Balance {$1900.00} DPT EDXXXX XXXX Balance {$2100.00} DPT EDXXXX XXXX Balance {$4800.00} DPT EDXXXX XXXX Balance {$1700.00} DPT EDXXXX XXXX Balance {$2600.00} DPT ED/XXXX XXXX Balance {$2300.00} DPT EDXXXX XXXX Balance {$970.00} DPT ED/XXXX XXXX Balance {$270.00} DPT EDXXXX XXXX Balance {$1600.00} DPT EDXXXX XXXX Balance {$4200.00} DPT EDXXXX XXXX Balance {$6300.00} DPT EDXXXX XXXX Balance {$2500.00} DPT EDXXXX XXXX Balance {$9800.00} XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXXXXXX XXXX Balance {$410.00} XXXX XXXX Balance {$460.00}
Consumer complaint received 2024-07-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (CA)

My credit card was charged around {$500.00} for things I did not purchase. I reported these purchases as fraud. My bank then denied the charges were fraudulent. I called the bank a second time and they went to a redetermination group that also denied it was fraud. I have never shopped at those institutions and have only ever reported fraud XXXX other time in my history with this bank ( around XXXX or XXXX years )
Consumer complaint received 2024-07-08
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (AZ)

I received a giftcard in the amount of {$50.00} from my company as a reward in XX/XX/year>. I wanted to use the giftcard to purchase some items from XXXX, and went to the website listed on the card ( prepaidgiftbalance.com ) to activate the card. The website was not working so I decided to call the number on the back of the card. 

After multiple tries, I managed to speak with someone named XXXX XXXX XXXX who asked me for the card information along with the location the card was purchased XXXX XXXX XXXX  and then claimed that there was a " fraud '' claim placed on the giftcard and that I needed to fax over my government issued ID and SSN number to provide proof of identity before they could release my funds. When I asked who filed the claim and how, she said it was " the bank '' and would not clarify how and why and which bank filed these claims. Once again, this is a pre-paid visa giftcard. 

When I asked about these fraud claims and how that could have happened, instead of answering any of questions she kept repeating that they needed government ID.