davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-05
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

BANK OF AMERICA ; Account Number XXXX Date of Last Update Amount XX/XX/2024 {$550.00} Charge Off XXXX XXXX XXXX XXXX XXXX TX XXXX : XXXX A charge off account from Bank of America is reporting on my credit report. According to IRS publication XXXX : If your debt is forgiven or discharged for less than the full amount owed, the debt is considered canceled for the forgiven or discharged amount that you no longer need to pay. Cancellation of a debt may occur if the creditor can't collect, or gives up on collecting, the amount you're obligated to pay. If you own property securing a debt, cancellation of the debt may occur due to foreclosure, repossession, voluntary transfer of the property to the lender, abandonment of the property, or a mortgage modification. In general, if your debt is canceled, forgiven, or discharged for less than the amount owed, the amount of the canceled debt is taxable. A charge off is considered income by the IRS and income does not suppose to be reported on my credit report. I never received my copy of the 1099-C. Also, according to 15 USC 1681 I have the right to an accurate report across all reporting bureaus. This particular charge off account show inaccuracy with all three bureaus. The information directly impairs the efficiency and credibility of the information being reported by the credit bureau.
Consumer complaint received 2023-03-13
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: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting act XXXX bankruptcy XXXX XXXX reference account # 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 with my written instructions
Consumer complaint received 2024-03-01
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: Resurgent Capital Services L.P. (UT)

LVNV please provide what method you verified to XXXX and XXXX XXXX. As I am aware XXXX doesnt allow the transfer of FTC identity theft reports which you all confirmed in my last CFPB complaint dated XX/XX/year>. That you all had, that FTC identity theft is required to provide to the credit reporting agencies. I have added both credit reporting agencies to this complaint to determine if you all sent over the FTC identity theft Report as required as the data furnisher under FCRA section 623. Additionally I requested another incident theft report which you all have failed to mail to me as the faxed incident report of how the cards were stolen from the authorized user home and the account was fraudulently used was ignored and you havent stated if you have in your possession the current incident report.
Consumer complaint received 2024-02-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Aspen Yo LLC (MA)

I have been trying for years to get my loan modified with Gregory Funding but they requested upfront funds, which I didn't have. Resubmitted a request to them and they now want to raise my payment from {$2500.00} to {$3400.00}, which is over 40 % of my income and they want upfront funds of {$30000.00} which I do not have. Gregory Funding is telling me this is the only modification the investor will approve. This will cause me to lose my home and they know it. I need help with the upfront fund requirement as I don't have the money and I don't want to lose my home. I am desperate!
Consumer complaint received 2024-02-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (PA)

THE COLLECTION COMPANY IS TRYING TO COLLECT ON AN ACCOUNT THAT WAS CLOSED DUE TO A STOLEN CREDIT CARD. THE ORIGINAL CREDITOR WAS XXXX XXXX FOR XXXX XXXX. I ATTACH THE ORIGINAL REPORT FROM XXXX XXXX STATING THE ACCOUNT WAS IN GOOD STANDING AND THE ACCOUNT CLOSED IN 2015 DUE TO THE CREDIT CARD BEING LOST OR STOLEN. 
MIDLAND FUNDING HAS NEVER SUPPLIED ANY VALIDATION OF DEBT AND IS VIOLATION OF EVERY FCRA LAW. ( 15 USC 1681 )
Consumer complaint received 2024-04-12
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: NEW YORK COMMUNITY BANCORP INC (NJ)

I called FDIC, I was calling about my banking direct, a service of New York Community Bank, money network. They said its now XXXX owns it. I called XXXX and they said they only print out cards. I cant get my account number but its the last XXXX of the card. Its for money network. This is for a family leave. After my brother overdosed, my sister in law was stealing and overdosed. I have start to make complaints back at the end of XX/XX/2024 now the are saying XX/XX/XXXX I have to wait 45 days, they made every excuse then postponing the progress, I ask if I can speak to the fraud department or have the number so I can go to police station and have a cop help me. I have XXXX XXXX  children and now we are homeless. I have been hung up on and hours and hours to talk to someone. Which clearly shows Im not the only person this is happen too. Now all the state funding is going to this for every XXXX resident. I sign theft affidavits. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-27
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must remove these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-12
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. (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 information is inaccurate.
Consumer complaint received 2024-02-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: ROBINHOOD MARKETS INC. (TX)

I wired {$30000.00} into my account on Robinhood. They allowed the same. Then I bought ETH for the same amount. They allowed that and charged fee for the same.

However, when I needed to transfer the ETH to a different exchange, they are giving me trouble. Last month when I did the same, they delayed it a lot, but in the end allowed me to transfer unlimited amount.

This time however, for whatever reason, they are restricting transfer to {$1000.00} maximum per day!!!. At this rate, it will take me one month to be able to transfer the amount I need to transfer. This is not acceptable and this is my money that they are holding on to. This will deny me of the opportunity to make investment in appropriate time. Thus they are causing me trouble. 

I spent half of the day calling them and discussing the issue. However, no customer service rep nor the representatives in fund handling, no one was able to resolve. When I asked for the reason, they said it was individually set and they can change terms at anytime. But I have not received any intimation either in the app on the phone, email or phone call. Then I asked for me to be connected to supervisor, which they denied. When I said I have to speak to the supervisor, they said they will pass on the message and that the supervisor would call me back with in dew hours. I have waited since almost XXXXXXXX XXXX for call and they have neither returned my call, nor they give time by when they will call and no email either. 

Very frustrating and illegal practice of holding on to customer money without reason. They act like kings that have authority to treat customers this way. 

They close the chat without reason, So I requested for a return phone call. Spent close to an hour discussing the issue on phone, still no resolution or follow up.
Consumer complaint received 2023-04-15
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: Experian Information Solutions Inc. (WA)

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX  XXXX XXXX, WA XXXX ; XXXX XXXX XXXX XXXX XXXX, WA XXXX ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX  XXXX Balance {$810.00} ; XXXX XXXX & XXXX XXXX : XXXX XXXX, XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX
Consumer complaint received 2024-02-23
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (SC)

We bought a XXXX XXXX XXXX in Florida and paid off the loan in XXXX. When going to buy a new car in South Carolina, I discovered I never received the title from Kia I called on XX/XX/XXXX and was told the title was released to SC and I could pick it up at the DMV On XX/XX/XXXX, the DMV said it was not released. I called Kia and they said they made a mistake and it would take a few days to fix I then contacted Kias CEO office ( XXXX XXXX XXXX ) on XX/XX/XXXX requesting assistance. I promptly received a call back, but they informed me they had a dependency on St of Florida, so it would take a few weeks. 

Unfortunately, we are entering week 6 now, and all I am told is that it is with the title team.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

In light of recent developments, it has been brought to my attention that the creditor failed to furnish the required XXXX notice along with a statement, which would have allowed sufficient time for payment processing and thus, prevented any late payments from occurring on these accounts. This oversight has led to a misrepresentation of the payment status, suggesting a billing error on the part of the creditor. 

In response to this discrepancy, I kindly request tangible evidence from the creditor 's bank account, demonstrating any instances of non-payment that purportedly resulted in the reported late status. This evidence is essential for clarifying the circumstances surrounding the alleged late payments and verifying the accuracy of the reported information.
Consumer complaint received 2023-09-17
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: Experian Information Solutions Inc. (IL)

I obtained a copy of my consumer credit report from XXXX, XXXX and Experian on XX/XX/2023. While going through my credit report I've noticed unauthorized inquiries that wasn't initiated by me. I even sent certified mail letter to each credit reporting agency with return receipt to delete the inquiries, but they have failed investigate to remove the information 's that is being furnished. Here 's the tracking number for the letter I've sent to XXXX [ XXXX ]. The certified mail tracking number that I sent to Experian is [ XXXX ], however they didn't remove the false inquiries. The XXXX tracking number is [ XXXX ], they have also failed to investigate and delete the inquiries. Below I have attached the letters that were sent to each credit reporting agency alone with the Certified mail receipt.
Consumer complaint received 2024-02-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Control, LLC (NY)

Purchase was from XXXX XXXX XXXX. Debt was satisfied with XXXX for {$1300.00} to clear the debt. Difference was {$270.00}. Now it is up to {$550.00} and has gone thru XXXX XXXX XXXX XXXX and the current one received yesterday, Credit Control & collections in XXXX XXXXXXXX XXXX XXXXXXXX reference # XXXX. 
Each time I provide the collection agency with back up documents, they forward to a new collection company. 
I have been in touch with XXXX and XXXX. They have removed from my credit report but it effects my credit rating. 
I will be sending out a letter to this new company and contact Legal Aid and State Attorney General. 
I want this to stop passing the buck when they don't make headway on the collections and just send it to another. 
Thank you
Consumer complaint received 2023-02-20
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Self Financial Inc. (TX)

I completely paid off my XXXX XXXX Account Loan on XX/XX/2023 and have yet to receive the the payout of {$720.00} that was promised once the loan was paid off completely. 

After the account was already paid off completely, I received a request to send in documents to verify my ID, and bank account. 

I provided a picture of my ID, SSN card, a picture of me holding the ID and a copy of my bank statements on XX/XX/2023 but have yet to hear anything back from them. 

I've initiated multiple chat sessions where I'm told that someone from a different deparment would contact me soon but have yet to receive one communication. I've also emailed their Disputes department just to be told that someone would contact me within 48 hours but have still not been contacted once. 

This loan was held as security and would be payed to me once I paid off the total amount of the loan.
Consumer complaint received 2024-02-28
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (GA)

I spoke with XXXX at American Express gift card customer care at XXXX on XX/XX/year>. I explained that I received an {$800.00} American Express digital gift card from my employer. I've been trying to use it at online merchants that accept American Express, but the gift card hasn't worked at the majority of those merchants. XXXX advised that I can't attach my name and address to the card ( in a attempt to avoid getting flagged for fraud ), and AMEX can't mail a physical card to me. I'm unable to use hundreds of dollars where I need to use them, and their website falsely advertise that the gift cards can be used anywhere that accepts AMEX. Customer care can't offer me a solution.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I contacted XXXX bank about certain issues in regard to this account " deemed as mine ''. XXXX bank informed me that the account was charged XXXX  and sold to a collection agency. In addition, XXXX claimed the full amount on their tax return.Yet, they keep reporting the full amount owed on my credit report as if they never sold the account to a collection agency and claimed full tax credit on their tax return. Evidently, the amount that they are reporting is inaccurate and misleading. As such, I elect to use my right by asking XXXX bank to remove the account completely from my credit profile. Yet, they refused to do so knowing that they are reporting inaccurate and incomplete information to the credit bureau agencies. Furthermore, I contacted the credit bureaus agencies : Equifax, XXXX XXXX, and XXXX to no avail. I am witting this letter to put XXXX Bank on notice about their fraudulent act toward me as a free and sovereign man. I demand that XXXX and the bureaus remove their trade line from my credit profile immediately. It is known that by law any account that is reported incompletely and inaccurately must be removed from the credit bureau. By refusing to remove this account from my credit report, XXXX Bank is violating my every rights as a free and sovereign man.
Consumer complaint received 2024-02-28
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC (MD)

I am a XXXX  resident, and back in XXXX, I was offered a title loan in Delaware, which I accepted. It was for {$2200.00}, and I was told that I would have to pay about {$4500.00} in total. That's also what shows on the app. However, I wasn't able to access the documents on the app to double-check my rates. But when using a computer, I was able to open the documents and, to my surprise, the lady who lent me the money lied. I'm supposed to pay back over XXXX after borrowing {$2200.00}, and the interest rate is over 200 %. It was my fault that I did not read the document before signing, but since I'm a XXXX resident, can I use XXXX law/regulation to fight back against this predatory interest rate even though I took the loan in Delaware? Thanks.
Consumer complaint received 2024-02-28
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: GOLDMAN SACHS BANK USA (FL)

Original order date was XX/XX/2023 Order number # XXXX XXXX XXXX XXXX Total to dispute : {$1000.00} Dispute was closed in the vendors favor and I even appealed and insisted with my evidence and was denied on the appeal. 

The card used for the transaction was my GS / Apple Credit Card
Consumer complaint received 2023-07-10
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. (GA)

I AM A NATURAL PERSON AND CONSUMER FILING THIS COMPLAINT. DO NOT CLOSE THIS COMPLAINT W/OUT COMPLETION. PLEASE HAVE ACCTS LISTED REMOVED FOR THE FOLLOWING VIOLATIONS OF CONSUMER CODES : 18 USC 1028A, AND VIOLATION OF 15 USC 1681 a4. You are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. his is causing me emotional and financial stress as I am constantly denied and have to be punished in interest cost.
Consumer complaint received 2023-10-23
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I requested a balance transfer. I transferred an amount of money from XXXX XXXX  XXXX  to capital one venture visa. Capital one posted the transaction on XXXX, XX/XX/XXXX. I contacted XXXX XXXX  on XXXX, XX/XX/XXXX and they still show a balance in the same amount as the transfer. XXXX indicated that the balance transfer check that capital one had sent had not cleared as of XX/XX/XXXX. 

I contacted capital one venture visa and they informed me that they have posted the balance of the transfer and that I am accruing interest on the transfer even though the check that was sent to XXXX bank had not cleared. Capital one Venture informed me that it could take up to 15 days for the transfer to to be processed by XXXX XXXX 

Effectively it seems that I am currently accruing interest on the same balance to two different banks. Is this lawful?
Consumer complaint received 2024-02-28
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: ENCORE CAPITAL GROUP INC. (OH)

I am in the process of getting pre approved for an home and while going through my credit report I noticed several accounts that are closed and still reporting. The amounts for the two accounts are {$410.00} and {$3100.00}. I called midland credit where they told me there was no account on file attached to my name. I asked midland credit management to provide proof to me in writing via email or mailed letter that the accounts do not belong to me and they told me they couldnt do that. When I disputed the accounts were not removed. According to the 15 USC 1681 law, there should not be any damages on my report. This is a defamation to my character.