davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-01
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Klarna AB (MS)

/An order was accidently placed on XX/XX/XXXX to XXXX XXXX XXXX XXXX through Klarna.com and immediately cancelled the same day. They were kind enough to cancel and told me the money would be refunded to my checking account in 3 to 5 days. Fast forward the next day or two, I called Klarna to alert them about the cancellation by chat ( I have included my screenshots of the conversation ) ; ,2 ) I gave screenshots of the cancellation letters and my bank account. This csr did not help. So, I called Klarna and spoke with a rude and ridiculous person. For example, the csr was laughing and carrying on with whoever was in the background. After the 5th time of repeating the same story of what happened, I requested a supervisor multiple times ( more than 5 times ) but receive no one. My patience has run out here because this person clearly doesn't care! The csr said, " There are no supervisors! If you want me to beg for you then you need to talk to me! '' I was tired of her and her games! I asked, " what the F -- is the matter with you? '' and I told her that I did not want her help and said, " I will call back latter! '' I told the csr that I was not there to be made fun of or abused! Again, I called back XX/XX/XXXX. A new csr assured me that she processed the proper paperwork to refund the money back to my account. My account still has not been credited the {$49.00} due me! It has past 10 days and no money! Can you please help? 

Sincerely XXXX XXXX
Consumer complaint received 2023-09-20
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. (IL)

Ive just recieved my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile. IN accordance to the FAIR CREDIT REPORTING ACT, XXXX account number XXXX, XXXX, XXXX, XXXX and as well as a fraudulent address XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX has violated my right 15 USC 1681 602 a states i have the right to privacy 15 USC 1681 604 A section 2 states a consumer reporting agency can not furnishn an account without my consent if you have any questions or concerns i can be reached at XXXX XXXX XXXX
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MI)

Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I am writing to dispute the following information that appears on my Equifax, XXXX, and XXXX consumer report 's. 

Equifax XXXX XXXX 's, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-08
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (NY)

Transworld responded my complaint by sending a statement which is in my name from the creditor. At no point Transworld provided any verification that in fact they own this debt or that I owe this debt to them in direct violation to the FCRA and not allowing me to dispute such debt.
Consumer complaint received 2024-02-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE (FL)

On XX/XX/XXXXXXXX  I paid Barclay Card for a credit card I had with the back in XXXX  this was a charged off closed account. I paid them {$1100.00}. I asked them for a receipt proof of payment. The agents I spoke with refused to provide proof, and told me if you see the money is not in your account that's your proof that Barclay took your money. The agents were very rude and unprofessional. I filed a complaint against Barclay with the FDIC Ref. No. : XXXX Re : Barclays Bank Delaware. And I was told it was forwarded to this company.
Consumer complaint received 2024-02-08
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation (MI)

In XX/XX/XXXX my financial institution informed there were suspected fraudulent charges with my checking account number. Since then I have also noticed a hard inquiry from Fortiva Bank for a new line of credit. I have contacted their company to confirm if there is an active credit card account however they stated the request for new credit line was denied in XXXX. All of this as come about after filing my tax return with XXXX XXXX XXXX which is who I've only released my personal information to since XX/XX/XXXX. This hard inquiry has affected my credit score tremendously and I would like for it to be removed as this was an unauthorized inquiry/request.
Consumer complaint received 2023-10-18
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2018-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Here are the dates when I mailed out letters asking them to fix the errorsXX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX and till this date they have failed to provide me with proof as per the fcra. AS I understand, federal reporting laws, particularly the Metro 2 data formatted reporting regulations enacted as a results of the CRSA, requires that any and all information or notations alleged be certificated compliant as well as fully true, correct, complete, timely, proven mine, and proven of my responsibility. It is with clarity that the same laws dictate that no entity, including a consumer credit reporting agency such as yourself, can not excuse itself from the responsibilities or the mandates nor the liabilities should that entity become deficient in that compliance and or physical proof of it. I am enacting my consumer rights to have ONLY CURRENT TRUE ACCURATE and physically proven Metro 2 COMPLIANT information reporting, I do NOT AUTHORIZE you to retain any other accusations of a adverse or derogatory nature, true or not. RETAIN or return to requisite Metro 2 compliance by your immediate and willful annulment of any  and all of the above unproven to be compliant information already or not already rectified by the other major credit bureaus as mandated by law. Thank you in advanced.
Consumer complaint received 2024-02-08
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation (AZ)

I'm getting about 3- 5 calls a day from an automated system and they won't stop. It's been over 2 weeks now. 
I've requested the opt out selection on the automated answering service and I've also talked to 2 different employees on the phone requesting they remove me from their call list. That was roughly a week ago and the calls won't stop. 
I do have a personal loan with them that's about to be paid off this month. 

2 calls today XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XX/XX/year>XXXX  - multiple calls but I deleted them Tuesday XXXX XXXX XXXX and XXXXXXXX XXXX XXXXXX/XX/year> - XXXX and XXXX then XXXX and XXXXXXXX XXXX  at XXXX - spoke to the 2nd person and requested they take me off the list. 
There has been multiple calls like this everyday for over 2 weeks. This is what I have record of.
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Capital One Auto, Account # XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under open-end consumer credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

PLEASE REMOVE THE FARUD ALERT ON MY CREDIT RPORT I DID NOT AUHTORIZE SOMEONE TO ADD A FRAUD ALERT ON MY CREDIT REPORT. PLEASE.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (MD)

Prior to Pandemic I had Impeccable Payment history XXXX credit score, I value being a financial responsible client/consumer. However, during Covid-19 I suffered from a major hardship, I had great death in my family I lost my former husband, who at the time was my primary source of income. I also was laid off my Job due to major cutbacks. Being a Widowed wife and a mother of XXXX It was hard to meet all my financial hardships. Nevertheless, I did not want to neglect my financial obligations. In XXXX I reached out to Barclays Bank of Delaware XXXX in reference to 2 Accounts that I had at the time with them. ( XXXX & XXXX ) and requested Hardship options, I agreed to do a settlement with lender account was paid. I was informed me that account would be kept current, no late payments will be reported due to me agreeing to settle account. According to the Cares ACT, the CARES Act states if you make a debt-relief agreement, that creditor must continue to report the debt as current. Therefore, no late payments should reflect my credit file during that time. I contest that creditor remove all late payment history as soon as possible to be in compliance with the federal law. To ensure that creditor adhere to the Federal Law which prohibits Negative Credit Reporting according to The CARES Act signed into law on XX/XX/XXXX, Act to amends Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during COVID -19crisis. ( 15U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) This has been an ongoing issue I have reached out to them in XXXX, XXXX, and just recently XXXX XXXX via dispute through my credit bureau, however both accounts still remain the same inaccurately Late Payment history.
Consumer complaint received 2024-02-08
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NRA Group, LLC (OH)

I asked this company to stop calling the first time I answered their call, I had to argue with a man who basically told me I dont pay my bills. Come to find out he didnt remove my number like I asked so I received a call onXX/XX/XXXX & XX/XX/XXXXXX/XX/year>
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. Please see attached file for these items I am complaining.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRIAD FINANCIAL SERVICES, INC. (MI)

in accordance with the Fair Credit Reporting This creditor has violated my rights under 15 USC 1681 Section 6 o 2 states I have the right to privacy ( 15 USC 1681 Section 6 0 4 a Section 2 ). ( it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan late for any purpose.
Consumer complaint received 2024-02-08
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Grain Technology, Inc. (FL)

Had an issue with my account which was on autopay being paid after receiving a notice that my account was 45 days past due. I reached out to customer service, which is only accessible via email to have the issue resolved. After troubleshooting, they came to the conclusion that the issue was internal with their mobile app. I was then transferred to the IT department so they could investigate further. After three weeks of going back and forth, they were finally able to manually link my bank account. As soon as my accounts were successfully linked, I scheduled a payment to have my past due balance taken care of. A couple of days later I received an email that they were terminating me and transferring me to another bank. When I asked why and explained that I was in contact with them to resolve an issue that was at no fault of my own they told me that they cant answer any of my questions and that my account had been transferred. My credit score has no plummeted due to an issue on their end and they refuse to give me any further answers or help.
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (CA)

I initiated a fraud claim against my debit card which I won 95 % of only one was I declined yet the bank withdrew my ability to access my funds for some 60 days now and it's still not dispersed my money and has told me that basically they can hold it as long as they feel like it until they're ready
Consumer complaint received 2024-02-08
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Westlake Services, LLC (GA)

I am writing to formally lodge a complaint against Westlake Portfolio Management ( WPM ) regarding their handling of my account. On XX/XX/XXXX, I contacted WPM to cancel my GAP insurance and requested a copy of my service contract with XXXX. During this interaction, I spoke with XXXX XXXX XXXX from the XXXXXXXX XXXX XXXX XXXX 

XXXX XXXX assured me that he would provide all relevant files from my digital portfolio, including the original contract with US Auto and the Service Contract with XXXX. Subsequently, I received an email containing several attachments. Unfortunately, these attachments raised serious concerns : Debt Validation Letter ( XX/XX/XXXX ) : This document was included in the email, but it does not pertain to my request for service contracts. 
Involuntary Repossession Receipt ( No Recorded Lien Holder ) : The receipt lacks crucial information about the lien holder, which is essential for transparency and compliance. 
Transfer of Title from Former Owner : Again, this document is unrelated to my original request and contains sensitive information that should not have been shared.

Contract Listing a Similar VIN but a Different Consumer Contract : This discrepancy is alarming and suggests a mix-up or mishandling of documents.

Furthermore, the attachment containing these items appears to violate 38 CFR 75.113, which safeguards the privacy of American consumers. The inclusion of unrelated documents and the potential data breach raise serious ethical and legal concerns. 

I have reason to believe that my personal information has been released to someone other than myself, compromising my privacy rights. Despite previously filing a complaint, I have not received a satisfactory remedy. The response from Power of Attorney ( POA ) merely stated that WPM and Westlake Financial have been assigned ownership of my account, without addressing the specific issues raised. 

Therefore, I kindly request that the CFPB investigate this matter thoroughly and take appropriate action to rectify the situation. I seek assurance that my privacy rights will be upheld, and any data breaches promptly addressed. 

Please find attached relevant correspondence and supporting documents for your reference. 

Thank you for your attention to this matter. I trust that the CFPB will uphold consumer rights and ensure fair treatment for all.
Consumer complaint received 2023-09-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (NY)

I just restarted paying my loans with Aidvantage as of XX/XX/XXXX. I was told that to qualify for the XXXX repayment plan, which detailed no interest will accrue as long as I make payments, I need to consolidate my loans. I started the consolidation process on XX/XX/XXXX and have been charged interest weekly, with my loan balance going up several times over the course of the same month, XX/XX/XXXX. I have even made several payments this month and my balance keeps increasing with new accruing interest after each payment. 

My starting balance was {$190000.00} on XX/XX/XXXX. I made a {$25000.00} payment on XX/XX/XXXX, and my balance went to {$160000.00}, however should have been {$160000.00} ( so interest of {$23.00} over the course of a day ). I then made another payment of {$25000.00} on XX/XX/XXXX, and my balance went to {$140000.00} ( so another interest charge of {$70.00} over 2 days ). I made my last payment on XX/XX/XXXX of {$25000.00} and my balance went to {$110000.00} ( so another interest charge of {$84.00} over 5 days ). 

Aidvantage is wrongfully collecting interest even though I am making regular payments and the loans are in the process of consolidation.
Consumer complaint received 2024-02-08
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COLLECTIONS USA, INC. (AZ)

This is a false lease with my information. The apartment complex ( XXXX XXXX ) used my information from previous lease on a new lease when my ex moved into another apartment unit after I left. They didn't send me a copy of the original lease as requested, cause they don't have it. I need this removed, as it was used fraudulent by the apartment complex.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (FL)

I sat on the phone for 2 hours waiting for someone to assist on XXXX. No one picked up. Automated voice from Nelnet said wait time 30min. 


Last week sat on hold for over an hour. No one picked up.