davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-23
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. (KY)

In accordance with 15 U.S. Code 1681b ( a ) ( 2 ) Equifax, XXXX, and XXXX are not to share and must remove XXXX Account no . XXXX, soft and hard inquiries, student loan information, and previous address information pursuance to 5 U.S. Code 552 agency shall make available to the public information as follows : '' ... ( b ) This section does not apply to matters that are ( 4 ) commercial or information obtained from a person and privileged or confidential ". It is a crime to violate 5 U.S. 552 ( b ) ( 4 ). It is required that the aforementioned credit bureaus remove the aforementioned information 5 U.S. 552 require, as follows : " Any reasonably segregable portion of a record shall be provided to any person requesting such record after deletion of the portions which are exempt under this subsection. The amount of information deleted, and the exemption under which the deletion is made, shall be indicated on the released portion of the record, unless including that indication would harm an interest protected by the exemption in this subsection under which the deletion is made. If technically feasible, the amount of the information deleted, and the exemption under which the deletion is made, shall be indicated at the place in the record where such deletion is made. ". Consumer respectfully ask that the aforementioned credit bureaus do not share the aforementioned information because it's a 5 U.S. 552 violation. 

Respectively submitted, XXXX XXXX XX/XX/23
Consumer complaint received 2023-06-09
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. (CO)

In accordance with the Fair Credit Reporting act XXXX XXXX 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. 

I am not liable for this debt with XXXX XXXXXXXX XXXX XXXX. I do not have a contract with XXXX XXXX XXXX, they did not provide me with the original contract as I requested.
Consumer complaint received 2024-05-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

I received a review of my credit reports and there were collections reporting from credit bureau stating I owe a debt through collections. I have been flagged in my reports as identity theft and believe that I've been a victim once again. I have sent out validation letter to these collection agencies that state I owe them for a debt. I received a letter response from Resurgent Capital Services stating that I owe them {$2600.00} with XXXX digit account number. Original creditor name XXXXXXXX XXXX XXXX XXXX  XXXX, current owner which is not the original creditor but another collection agency named LVNV Funding LLC providing a reference number #, balance owe and account holder name stating me. The letter received does not have my current address and a date of XXXX. This account summary report made up a date for XX/XX/XXXX being prepared by Resurgent Capital Services on behalf of another collection agency LVNV and states it is not from the original creditor. Borrower information my name and address current information listing the owner of the account not the original owner date of last payment XXXX of XXXX, XXXX, Historical information listing the original creditor and address of named creditor the original date was XXXX charge off date XXXX and amount. The account acquired on XXXX for the balance mentioned above but does not give this agency permission to collect on a debt nor has my signature giving the original creditor authorization to collect on a debt you assume i owe. There are no signatures required by me stating this is my debt or giving you the right to collect a debt assumed is what I owe. There is a clause on the statement that the current owner LVNV ( can not sue for this debt and can not report to XXXX XXXX XXXX ) but there are reports from this agency who states they are the owners on my credit report so who gives Resurgent the right to say I owe this date to this agency when it is bought for pennies from this agency who has no rights to the debt that you say I owe. This information obtained for me is inaccurate and needs to be deleted from my file. I have identity theft affidavits in my file and this account you say I owe you is inaccurate and does not belong to me. I know my rights under fair credit reporting act, also FDCPA, and FCRA and collection agency uses there own fair gain to try and manipulate consumers to pay unfair debts. This debt you say I owe is not validated properly and therefore, needs to be removed.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Resurgent Capital Services L.P. (VA)

Im having issues with inquiries from credit companies who say it wont affect your credit or it will drop off quickly and its still affecting my score. I also hired an attorney to remove a car loan that I wasnt responsible for and it didnt even raise my score. All the credit cards that say charge off were cards I had when Covid shut my life down. They said over the phone they were releasing me from the debt due to hardship and reported after Covid restrictions lifted : the lving corporation is a company who bought credit ones old debts. I settled it with XXXX XXXX  and it was sold. The other charge off was from bridgecrest where I was told it would be removed from my credit report and was not.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: DISCOVER BANK (GA)

I was an account holder of Discover Bank and my account was closed in 2023 and charged off according to my equifax credit reported, since I didn't know how to remit for my legal and equitable interest at that time. I requested from Discover multiple times a copy of my 1099C and full accounting according to XXXX  using XXXX  and I was ignored and denied and to date Discover has not provided me with a copy. I have evidence Discover sold the account and received a letter they were trying to collect a debt for Discover Bank on the account.
Consumer complaint received 2023-11-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (MD)

I have been trying for weeks to get XXXX $ out of my Coinbase account. I can not link my bank or XXXX accounts for withdrawals, only deposits, which is very strange. 

Ive reached out to Coinbase on their X support page multiple times since XX/XX/XXXX, that was my first attempt. The support agents handling this issue have not provided me with an alternative method, solution, or explanation. Only to say I need instant verification which can only be provided with a linked bank account, which they can not process
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (VA)

In XXXX of XXXX, my student loans were transferred from Nelnet to XXXX XXXX. The change was never notated on my XXXX report. I filed a first dispute with XXXX on XX/XX/XXXX. No change was reported and it still shows that I have the account with Nelnet open. Since the report shows accounts with Nelnet and XXXX being open with a balance, it also shows twice the amount of debt than what I actually have. On XX/XX/XXXX, I called Nelnet on their customer service line and they were unhelpful. They said that there is nothing that can be done on Nelnets end and they advised me to file a dispute with XXXX. I filed a second dispute with XXXX on XX/XX/XXXX and no change was made to my report.
Consumer complaint received 2023-05-06
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. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I have no supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, therefore any such debt, in fact does not exist. In accordance to the fair credit reporting act, this account has violated my rights as U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions. 

I ALSO DO HAVE AND DO NOT RESIDE AT THE ADDRESS IN WHICH THESE COMPANIES PROVIDED THUS IS ILLEGAL WITHOUT MAIL VERIFICATION TO REPORT INACCURATE INFORMATION ON MY BEHALF
Consumer complaint received 2024-05-07
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Mortgage Research Center, LLC (AZ)

I am absolutely disgusted with the handling of a loan application by XXXX XXXX. Yesterday I was mislead by a loan XXXX who told me I had a mortgage in my name in Texas, which prompted HUGE concern considering I've never owned property in Texas and I only have XXXX mortgage in my name. XXXX, I believe was his name, told me " Well, at least they're paying on time ''. This caused a frantic leave from my work to get to the bottom of why there were XXXX mortgages in my name. After calling my credit monitoring company, the credit company XXXX pulled ( XXXX ), my current mortgage company, and cross referencing all three credit bureaus. It turned out to be a " missread '' on my credit report so I called back to correct their mistake and XXXX proceeded to double-down that he was certain I currently had XXXX mortgages on my credit report, my current in Arizona and XXXX in Texas. I escalated the issue to a customer complaint representative ( XXXX XXXX ) who, today, put me with an equally incompetent loan XXXX who couldn't understand my frustration with yesterday and completely disrespected the fact I had hearing loss and was offended by the tone I speak, without the help of my aid. I reached back out to XXXX XXXX the " client advocate '' who has refused several times on the phone call today to escalate the issue. He claims it stops at him. This is a direct violation of several laws. I want all calls pulled from yesterday XX/XX/year> and today XX/XX/year> reviewed, reviewed, my issue escalated and a call from a XXXX who has reviewed said calls and has a solution.
Consumer complaint received 2024-05-07
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: ClearOne Advantage, LLC (FL)

I entered an agreement with Clear One Advantage in 2020 for a consolidation loan. One of the creditors is now claiming they did not receive payment. I am currently being sued by the creditor for payment. I have been working with Clear One Advantage to try to get the information to prove payment was made, however, the only information they have provided are XXXX payments made to the creditor. I need more information on the settlement agreement itself or confirmation the account was paid in full according to the agreement. The account was written off and sold to another company who is now pursuing payment.
Consumer complaint received 2024-05-07
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I have been hospitalized several times throughout the last year due to unforseen XXXX XXXX, and XXXX. While hospitalized I was XXXX XXXX XXXX  XXXX and missed my credit card due date. However I made a payment of several XXXX dollars above the minimum payment amount. When I called Capital ONE to request a late fee reversal of {$39.00} I was told that it could not be reversed without an explanation as to why. I was told by XXXX of Caoitol One '' s customer service that he could not tell me why the fee could not be reversed. As I have been a loyal and upstanding customer well over 10yrs, until this past year due to my severe medical problems. I have a history of 8yrs or so without ever missing a payment, yet this was not taken into account when deciding whether or not to refund this exorbitant late fee.
Consumer complaint received 2024-05-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (FL)

I called Discover Credit Card about my credit card and fraud charges. I disputes the charges but the charges were return by the fraud investigator. I called and ask to speak with a Supervisor and XXXX XXXX XXXX XXXX was very rude and unhelpful regarding resolving my disputes with my credit card. She had no customer services skills to help me and was disrespectful and told me some will call me in 72hrs. 

XXXX stated my charges were reversed and not upheld because they are common at the same stores and because I still made payments on my account when there was fraud charges. 

The town XXXX XXXX  I stay in is only 10 miles radius in whole. 

I should not held liable for charges I did not make. This is wrong and its not right that Discover treats it customers this way. 

I have called Discover Fraud Investigation several times and still have not been helped.
Consumer complaint received 2018-10-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have been a customer with Capital One Bank for over 15 years. I was notified that my checking account was frozen on XX/XX/18 after my debit card kept declining a {$35.00} transaction in the nail salon. I then called Capital One customer service on XX/XX/18 and spoke with a representative named XXXX and a Supv. named XXXX in order to find out why I could not access my account. i was told my account was in the process of being closed involuntarily and the bank does not have to give me an explanation as to why. I was also told the bank would take over two weeks to forward my remaining balance to me. I have never had a negative balance and have always maintained an amicable relationship with the bank since opening my account and any issue I have had was easily resolved via customer service or their managerial staff. On XX/XX/18 I spoke with another supervisor, named XXXX ( female ), who was very rude, to find out if my check had been mailed. She then stated the check would take seven to ten business days for me to receive it. The banks sudden decision to close my account has caused me not to be able to pay my now due bills, receive a host of return payment telephone calls, accrue late fees, and have to negotiate with my lenders and service providers of which has been quite humiliating. I am not a rich woman and I have entrusted my money with this institution. The bank never even gave me the opportunity to close my account and retrieve my money. The bank made a " big brother '' decision and now I am suffering the consequences. They knew they were planning on closing my account and they never notified me via text, email, letter, or telephone.I can not afford for this agency to force me into debt with late fees IOU 's and interest rates. And now left with no banking institution they have added insult to injury by stating they are going to send me a check. This can not possibly be legal. I believe I have a right to have my funds returned to me in a expeditiously and I deserve a reasonable reason for why my account was involuntarily closed.
Consumer complaint received 2023-05-06
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Nelson and Kennard (CA)

On XX/XX/XXXX, a process server came to my house to serve me with court papers. Someone at my house answered the door and the process server from Nelson and Kennard shared that the suit contained a debt I owed for XXXX XXXX XXXX. That was the only way I was able to figure out that I owed this debt. I called XXXX XXXX XXXX and they transferred me to Nelson and Kennard in regards to my debt. After explaining it was for my lease I explained I will pay for the debt. At that time the representative on the phone advised that as long as I put my checking account on file and make XXXX payments of XXXX they would suspend the legal actions and no one else would come to my house and try to serve me with court documents. On XX/XX/XXXX, the same man came back to my house and disclosed the information again to a person at my house and stated they will just leave the paperwork with her next time. This is after we already came up to an agreement and my first payment to come out on Monday XX/XX/XXXX.
Consumer complaint received 2024-05-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

The Bank of America XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX Dear sir, I have received one mail and XXXX emails. One mail was prepared by XXXX branch addressed XXXX XXXX XXXX, XXXX, DE XXXX on XX/XX/2024 on case number XXXX. It asked me to call the office, XXXX, which was not listed on the official website of this branch in XXXX, DE ; more than that, some consumers reported as scam. 
Two emails from XXXX XXXX which connected to the Bank of America ( XXXX ) stated to contact with XXXX XXXX resolusion XXXX of regulatory complaints. He wrote his contact number XXXX, and upon checking the internet, search results said this number was wacked, whatever this wacked meant. It said the Bank of America was wacked. This XXXX XXXX or whomever stated the case number XXXX, which most likely I would not find out my Bank of America account. This office dared to mail me same link to open my account. 
I just want to state my feelings that most likely these people mentioned above might have not known the ways to upload proper case number to the official website of the Bank of America. Or, they might think I have never seen the official messages or letters from the Bank of America ; therefore, they create their own case numbers to cheat on me. 
Sincerely,
Consumer complaint received 2023-05-06
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: National Credit Adjusters, LLC (MO)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
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. (VA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2015-06-07
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

I paid {$200.00} toward my balance on XXXX XXXX. My due date was XXXX XXXX. After that date passed, I began receiving collection calls stating my account was past due. When I explained that I made my payment early, the representatives kept saying that the payment I made on XXXX XXXX went toward my XXXX balance, even though I already paid -- on time -- in XXXX. They then stated I would need to make ANOTHER a payment for XXXX to get my account current. They claimed there was nothing they could do in their system to apply the XXXX XXXX payment to my XXXX XXXX due date. And even by making the additional payment, there was nothing they could do to make sure my " late payment '' would n't be reported to the collection agencies. On top of everything, each representative I spo to seemed to have no idea what my problem was! They could n't understand that my payment on XXXX XXXX was an EARLY payment for XXXX XXXX. Whether it was due to a language barrier or sheer incompetence, the company line of " I ca n't do this, that 's not possible, nothing can be done '', XXXX, is terrible customer service. Try being more solution-oriented and stop treating paying customers like criminals by sending them to collections. How dare you treat me that way and then have the audacity to charge me an additional payment forcefully so I would avoid having a ding on my credit report. 
As of today, my credit report now shows that I was over my balance limit. It went over balance due to a late-charge fee, which they then removed. The over-balance information is now currently wrong, but it is still on my credit report.
Consumer complaint received 2024-05-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NY)

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 XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2024-05-07
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Resurgent Capital Services L.P. (IL)

I received a hit to my credit account of a charge of XXXX dollars from LVNV Funding XXXX XXXX XXXX XXXX XXXX ( Financial ). This account does not belong to me and is affecting my credit. I do not own this account and have no reference for the accounts existence.