davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Early Warning Services, LLC (VA)

I am writing to formally lodge a complaint regarding the mishandling of my account closure reporting by XXXX XXXX. On XX/XX/2024, at approximately XXXX hours, I made the decision to close my account with XXXX XXXX  and received a {$20.00} withdrawal from the account at the time of closure. Subsequently, in XX/XX/2024, I received a closeout statement that accurately reflected this transaction. 

However, to my dismay, in XXXX of XXXX, I received a letter backdated to XX/XX/2024, stating that my account was charged off and closed in the amount of {$20.00}. This erroneous information was also reported to XXXX XXXX  and early warning, which is a clear violation of the law. 

I want to emphasize that the account was closed voluntarily by me, and I have the receipts attached as evidence of the {$20.00} cash withdrawal received at the time of closure. The fact that XXXX XXXX  has reported this as a charge-off for {$20.00} is not only inaccurate but also damaging to my financial reputation. 

This misinformation constitutes defamation of character, inaccurate business dealings, and, at the very least, fraud. I am deeply concerned about the implications of this erroneous reporting, as it could have severe repercussions for my financial standing. 

I demand that XXXX XXXX  rectify this issue immediately. You must correct the erroneous reporting and remove any mention of a charge-off from my account. Failure to do so within five days of receiving this letter will result in legal action being taken against XXXX XXXX. 
Furthermore, I will explore all available legal avenues to seek justice, including but not limited to filing a class-action lawsuit on behalf of all customers affected by similar inaccuracies. 

Please be advised that I am fully committed to pursuing this matter until a satisfactory resolution is reached. I expect a written response confirming that the issue has been rectified within the stipulated timeframe. 

Thank you for your prompt attention to this matter. 

XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-22
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. (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.

Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 2024-01-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
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: Statebridge Company (DE)

I have an attorney that is helping but the heloc of $ XXXX was written off by the prior company. When the property values increased, statebridge purchased it and stated demanding payments after almost 10 years of non communication. They are adding those 10 years of interest when they had written off the balance. Since the property values have increased they tried to foreclose on the property. I obtained representation because the balance has been written off years earlier. Now this ghost mortgage shows up demanding payment and all the past due interest when they were not billing me. Willing to pay amount thats fair which is approximately $ XXXX not $ XXXX that they are requesting. The interest keeps compounding and I dont think its right. During the 10 years I was not billed so interest would not be due based upon their lack of sending monthly statements with interest. Statebridge can not deny that investor ID XXXX clearly did not charge fees or interest to the account between XX/XX/XXXX and XX/XX/XXXX, as reflected in its XXXX to XXXX Payment History, attached hereto, and it is not lawful for Statebridge to do so now. Also they violated the law when they overcharged the amount of interest. under 6 Del. C. 2301 ( a ), lenders may not legally charge interest in excess of 5 % over the Federal Reserve discount rate including any surcharge thereon applicable at the time the agreement was entered into. 

I dont think they should be rewarded for their failures. Also, if the amount was written off by the lender, how are they able to resurrect it after all these years. Statute of limitations should not allow this but I dont know. I know Delaware has a 20 year limit on foreclosure. I think they have exceeded their time to enforce
Consumer complaint received 2024-01-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Sigue Corp. (CA)

On XX/XX/XXXX my mother and I went to XXXX XXXX XXXX XXXX to use the Sigue money transfer service, to send money over for family in XXXX. The money was placed under my aunts name but when she tried to retrieve the money they notified her her identification was expired. We went back to the store and they let her know she can cancel that transaction and put it under my cousins name since she was with my aunt, so no problem they said it was taken care of, they said the new transaction would be available in 1 hour so they waited and when they tried to retrieve the money once again they were told there was a missing letter or number from the pin, we headed again to the store and once again they told us they fixed it, they waited another hour and again they could not retrieve the money. We left it at that, we were tired of going back and forth. We went back Tuesday XXXX and we said we no longer wanted to use the service so we needed the money back because the money was needed elsewhere, they let us know it would be available that same Tuesday at XXXX. We went back at XXXX and again were told the system wasn't ready so they could not issue a refund. This was XX/XX/XXXX and we have been going back and forth and we are getting the same response the system isn't working and there's nothing they can do. We have tried numerous times to talk to a supervisor someone and get this resolved and absolutely no one has been able to help. We have tried to call from home and they do not answer ever. It is now XX/XX/XXXX and there has been absolutely no communication from anyone in that company we do not know where our money is, absolutely nothing.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I am writing to file a formal complaint against Capital One Auto Finance regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-Bliley Act ( GLBA ) to opt out of such information sharing and I believe my privacy rights have been violated. 

On XX/XX/XXXX, I notified Capital One Auto Finance that I am opting out of all authorizations, whether written, unwritten, verbal, or nonverbal, for the sharing of my nonpublic personal information with non-affiliated third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services. 

I provided this opt-out notice in accordance with the legal requirements outlined in 15 USC 6802 , and I have retained documentation of my communication with the institution. 
Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have a reason to believe Capital One Auto Finance has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. 

This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing including the potential for identity theft, fraud, or other financial harm. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that Capital One Auto Finance complies with all federal regulations and las, including the GLBA, to protect the privacy and information security of consumers like me. 

Additionally, I would appreciate regular updates on the progress of this investigation and any actions taken to address the violations committed by Capital One Auto Finance. 
Please feel free to contact me at XXXX or XXXX if you require any further information or documentation to proceed with the investigation. I am committed to cooperating fully with your office to resolve this matter and to protect my privacy rights.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: CLGF Holdco 1, LLC (NJ)

I had canceled this card last year due to non activity. All my cards I currently use are on auto pay, but it seems that they never canceled my card or went ahead with my request. 

Now Im being charged late fees and reported to the Credit Bureau For proof, my card isnt even activated and paperless billing is turned off The total available limit on the card is {$300.00}
Consumer complaint received 2024-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF NEW YORK MELLON CORPORATION, THE (PA)

XX/XX/XXXX, ASKED FOR NEW DEBIT CARD. WILL PAY FOR OVERNIGHT DELIVERY. IOT NEVER ARRIVES. I CALL several times saying that it was on its way. IT WAS NOT. Finally I get someone on the phone again on XX/XX/XXXX, they said they forgot to send it out and it was sent out Friday, XX/XX/XXXX. XX/XX/XXXX RECEIVED. Find out XX/XX/XXXX I was charged {$15.00} for overnight express one week late I don't believe it's my fault that they forgot to send it out a week before that is there responsibility. I could've had it mailed to me for free in 10 days. THIS IS AN EXAMPLE OF THE TYPE OF FINANCIAL ABUSE I HAVE BEEN EXPERIENCING WITH THIS CHECKING ACCOUNT,. THEY NEED TO REFUND {$15.00} OVERNIGHT FEE,
Consumer complaint received 2024-01-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TSC Accounts Receivable Solutions (MO)

I have a bill with XXXX of XXXX XXXX. They lied about the amount of the bill and sent my accounts to a collection agency XXXX and XXXX. I disputed the bill with XXXX and all XXXX of XXXX XXXX is that the bill is due. Sick of dealing with the bill I paid it. I made my last payment to XXXX on XX/XX/XXXX in the amount of {$50.00}. I was called by XXXX collections. They received the account in XX/XX/XXXX. I let them know I paid the bill and I am in dispute. Since TSC continues to call me and harass me about the bill. They are stating the bill is due. They call each week just saying the bill is due and pay it or talk to urology myself. I am pretty sure this is what the CFPB shut down Commonwealth Financial recently. They have done nothing to help resolve the bill and refuse to stop collections to allow my to put in writing in the first 30 days of the account being listed with TSC. I have received no letters from TSC and the accounts was listed this month. All TSC states is the account is due and to pay or call XXXX.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Radius Global Solutions LLC (FL)

I am refilling this complaint. I have reached out to the following account below about the issue with my account as reported by RADIUS GLOBAL SOLUTIONS LLC. They have advised me that they will remove the account the fraudulent account will be deleted, however, as I reviewed my recent report, the late status is still reporting. I am not sure how the RADIUS GLOBAL SOLUTIONS LLC came up with this remark. They have failed to investigate properly. I have included in this complaint FTC report with the report number XXXX for your reference.
Consumer complaint received 2024-01-18
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation (CA)

I received approximately 52 phone calls in a 14 day period. When I spoke to XXXX at this company, she stated they are allowed to call 4 times per day. I explained to her about the FDCPA and Telephone Consumer Act. She said, No, we are allowed to call 4 times per day.
Consumer complaint received 2023-08-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (FL)

Last year before the Biden student loan relief plan had been announced, I made a payment of $ XXXX to EdFinancial. After the news of the Biden plan came out I requested a refund for those $ XXXX. I never got the refund, but my loan balance went up to the original amount. I have contacted Edfinancial by email multiple times and they say they are looking into it. Loan repayment starts soon and I still " owe '' the original amount. I have evidence of the payment I made, as well as evidence of EdFinancial acknowledging my payment.
Consumer complaint received 2024-01-18
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: CashRepublic Holdings, Inc. (NV)

Omni violated the Military Lending Act ( MLA ), Electronic Fund Transfer Act ( EFTA ), and Consumer Financial Protection Act of 2010 ( CFPA ) in connection with making installment loans. 

I received my loan from Omni Financial under the name XXXX XXXX before getting married. Once I received my loan from the company, I was asked that I repay by allotment. I have been repaying my loan by allotment for over 3 years and was recently told that this was a violation. 

Please let me know the proper steps that I need to take in order to get this resolved. 

Thank you.
Consumer complaint received 2024-01-18
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: AMERICAN EXPRESS COMPANY (PA)

The AMEX rep told me that ecards could not be replaced with physical cards, and he told me that I should be able to use the card in exactly the way I was using it. The rep told me that if I keyed in all the info on the card or added it to XXXX or XXXX XXXX, I should be able to redeem the card online or in person. He could give me no specific vendors who have ever accepted one of these XXXX  I've tried to use this prepaid XXXX at least 12 times, directlry and through my XXXX wallet. Absolutely no one will accept this card. It rejects from major online retailers and in stores. The card also reflects pending transactions related to rejected charges for several days, so the balance is artificially decreased even though the sales have been cancelled on the vendors ' side.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: QUALITY ACCEPTANCE LLC (TX)

NOITICE QUALITY ACC IS IN VIOLATION OF ; Privacy Act of 1974 ( 5 U.S. Code 552a ) Important Definitions ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; This includes consumer reports ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.

Again they need prior written instruction of the individual to whom it relates.

Section 3711 ( e ) of title 31 States ( 1 ) When trying to collect a claim of the Government under a law except the Internal Revenue Code of 1986 ( 26 U.S.C. 1 et seq. ), the head of an executive, judicial, or legislative agency shall disclose to a consumer reporting agency information from a system of records that a person is responsible for a claim if ( E ) the head of the agency has established procedures to ( iii ) get satisfactory assurances from each consumer reporting agency that the agency is complying with all laws of the United States related to providing consumer credit information ; and Either way they have violated not only the Fair Credit Reporting Act but also the Privacy Act of 1974
Consumer complaint received 2024-01-18
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: AMERICAN EXPRESS COMPANY (MA)

I went and purchased a XXXX gift card and after the fact have learned that the card will not work online ( as it used to ) as there can not be a billing address tied to the debit card gift card. 

I find this to be outrageous as any merchant online ( its intended use ) wont be accepted. 

XXXX, XXXX, XXXX, etc etc is unable to be used for this card. 

They will not refund your money and you can not use it unless in person so you are going to lose your money as you can not get the full amount out from full in person transactions. 


This in my eyes is a total scam and ripoff for anyone buying these cards and trying to buy something online.
Consumer complaint received 2024-01-18
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp. (TX)

XXXXXXXX XXXX at XXXX opened a loan under my name on XX/XX/2019 showing my employment with XXXX XXXX and XXXX XXXX. At the time I had already stopped working with XXXX XXXX and XXXX XXXX and I did not take out this online loan. The dates and details of this loan do not pertain to me. This loan was not opened by me.
Consumer complaint received 2023-05-12
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: Early Warning Services, LLC (VA)

Dear Collections and Consumer Relations Dept. : This letter is in response to your recent claim that XXXX XXXX  has XXXX XXXX XXXX verified that I have an unpaid debt with them. Yet again, you have failed to provide me with a copy of any viable evidence submitted by XXXX XXXX. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address, and telephone number of each person contacted at XXXX XXXX  regarding this alleged account. I am formally requesting a copy of any documents provided by XXXX XXXX, bearing my signature, showing that I have a legally binding contractual obligation to pay them. 

A bank clerk looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of Minnesota Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful noncompliance.

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damage for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act Sincerely, XXXX XXXX
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.