davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NEW YORK COMMUNITY BANCORP INC (OK)

With inflation of groceries and people not fixing their cars and my boss added my service advisor. My commission check is smaller than usually and keeps getting smaller hopefully with the new year it will get better. This has been going on since XXXX of this year. And I am they only one working
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

The inaccuracies and addresses listed on my credit report are non-mailable addresses. I demand to know the source of these addresses. Your inclusion of these addresses violates my rights under the Privacy Act of 1974 and15 U.S. Code 1681 causing me great harm financially and emotionally with obtaining credit resulting in a denial of credit. Recently I was denied access to credit with XXXX XXXX and XXXX XXXX Banking. 

Additionally, the name listed on my credit report is incorrect, further infringing upon my rights under the Privacy Act of 1974 and 15 U.S. Code 1681.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies : ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
Once you notify the consumer agencies that there is inaccurate information they must immediately stop reporting that information until they can prove that it is valid.
Consumer complaint received 2018-04-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (VA)

After reviewing Virginia Law in regards to these predatory loans I contacted XXXX XXXX and uploaded documents asking them why they are continuing to take these payments from my checking account since this loans exceeds the 12 % interest maximum in Virginia and that I had already paid the principal of the loan and well over 12 % interest. The organization does not operate in Virginia that I can find. The individual stated she was a manager and stopped the auto pay however, she stated I would still be responsible for the money owed. If I continued to pay this loan I would have paid over $ XXXX in interest on a {$5200.00} loan. She also stated that they would report to the credit bureaus if such payments were missed.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Thank you for taking steps to address the incorrect entries in my credit report arising from supposed fraudulent actions. However, there are still entries that require removal. This is an additional report where I find myself affected by fraud, and I am challenging specific entries in my report that are due to this criminal act. The entries I challenge are not connected to any transactions involving the acquisition of goods, services, or money that I have conducted or authorized. Kindly eliminate any entries in my credit record that stem from supposed fraudulent actions : XXXX : XXXX XXXXXXXX XXXX XXXX TX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX Date opened : XXXX XXXX, XXXX XXXX Balance : {$230.00} XXXX, XXXX ( Original creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$3600.00} -- -- -- -- -- -- EQUIFAX : XXXXXXXX XXXX Date opened XXXX XXXX XXXX, XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXXXXXX Balance : {$100.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3600.00} -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX  Date opened : XX/XX/XXXX XXXX Balance : {$520.00} XXXX Date opened : XXXX XXXX, XXXX XXXX Balance : {$230.00}. These entries are unfamiliar to me. Additionally, the information on some entries, already expunged by other bureaus, raises concerns about their accuracy, and the reported payment history on some is unclear to me.
Consumer complaint received 2024-05-10
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: KEYCORP (OR)

I had good score then are you get to XXXX relationship? Then I tried hard to fix my credit score and I did great to run away from my XXXX relationship. I traveled out of US and I went to a country has no Internet and I couldnt access to my bank online account to pay the payment for the credit card I have money in my saving account which credit card allowance so I couldnt pay the payment. They charge me interest over interest over interest over interest and I couldnt contact them whatsoever because there is no Internet. There was nothing there when I came back. I went to the bank. I talked to them. I told them that situation and I paid off the credit card, but they never back me on the credit card. I applied again they rejected my application. It was the bank fault not my fault because I called them before I go to my country and told them Im gon na travel and that was back on XXXX or XXXX. Im not remembering they closed my account and this was not my fault at all, and I have at the same bank saving account covering, three times the credit card allowance while I was owing like nothing money you can mention.
Consumer complaint received 2018-04-12
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 — Was not notified of investigation status or results
Company: CCB Credit Serivces, Inc (FL)

On XX/XX/XXXX I returned my XXXX XXXX XXXX to the XXXX XXXX in XXXX, FL at the conclusion of a 36-month lease. The car was clean and returned with approximately XXXX miles LESS than were paid for. I sat in the dealership for approximately 20 minutes while the vehicle was inspected.

On line number " 26. '' of my original lease titled " RETURN OF VEHICLE '' it reads " Prior to the scheduled return of the Vehicle, You may be requested to present the Vehicle for inspection at a reasonable time and location. '' This did NOT happen. The vehicle was " fully-inspected '' by a third-party company at a date AFTER the scheduled return of the car and AFTER I " signed-off '' of the conclusion of the lease. This is a violation of the lease contract. 

In the months after return of the vehicle, I did NOT receive contact from XXXX or XXXX XXXX. No invoices detailing issues with inspection of the car were received at my address. 

On XX/XX/XXXX I was sent a letter from " CCB Credit Services , Inc. '' for collections. Upon receiving this letter, I immediately called XXXX XXXX, and they would NOT speak to me about my account. They would provide me NO INFORMATION. They only rudely responded, " we do not deal with your account any longer, you must call the collections company. '' I spoke with XXXX XXXX services and responded within their requested time-frame a written denial to the validity of the collection. They sent me a copy of my original lease and a link to the website of the company ( XXXX XXXX XXXX ) which inspected my vehicle. I viewed the online photos at XXXX XXXX XXXX, and still see that the car seats are NOT stained. OnXX/XX/XXXX I paid XXXX XXXX, as I was trying to avoid serious impacts to my credit, as I sought avenues to fight this debt collection. 

In early XX/XX/XXXX, I was sent an invitation to refinance my current car at a lower rate by XXXX Bank. On XX/XX/XXXX, I was sent an XXXX report from XXXX XXXX XXXX as part of the explanation of why I no longer qualified for their initial offer. After looking at my XXXX XXXX report, I see that XXXX XXXX severely damaged my credit by XX/XX/XXXX. I was following all of the requests of XXXX XXXX to resolve this matter in their time constraints, meanwhile XXXX XXXX already closed my account as " unpaid '' and severely impacted all of my credit scores. I believe this action is a violation of the Fair Credit Reporting Act.
Consumer complaint received 2024-05-06
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. (NJ)

I have contacted XXXX on multiple occasions over the past several months after discovering the hard inquiry on my credit report that I did not recognize. It is from XX/XX/XXXX. While I did have some credit card applications around that time, none of them are affiliated with XXXX XXXX Even when I spoke with XXXX each time, they have said they have no application on file from me. They also confirmed that I do not have an account. XXXX of my calls was on XX/XX/XXXX. I was able to speak to a senior level employee who says that he marked the inquiry as fraudulent, and that it would be taken off in the next XXXX  days. He gave me the ID number : XXXX  to use if the inquiry is not off in XXXX days. Another time I called was on XX/XX/XXXX, The person I spoke with gave me the fax number XXXX. Said address it to " attn : fraud application/hard inquiry. '' They also said I should provide my full name, address, phone number, and times when I can speak along with more information about what has happened. I never received a phone call. Prior to this, I initially spoke to either Experian or XXXX because I saw the hard inquiry initially through XXXX XXXX. They said there was nothing they could do and that I needed to speak to XXXX XXXX, and that they couldn't remove it without a letter to remove inquiry from XXXX. The first time I called XXXX, which I don't remember when, they refused to provide that. I had to call a few times before I got to XXXX XXXX of speaking with the senior employee. This hard inquiry remains on my account, and I have not ever applied for a credit card with them which they have confirmed.d I sent that fax to no response at all.
Consumer complaint received 2024-04-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Phillips & Cohen Associates, Ltd. (TN)

I requested the original purchase agreement in XXXX of XXXX  to show that they are the legal owner of this alleged debt. Please include all the terms and conditions that are included in this purchase agreement. i never got said agreement. i am in the process of requesting it a second time because i have now received a XXXX to appear in XXXX XXXXXXXX XXXX while researching the company in question i found that they aren't licensed in the state of Tennessee for debt collection.
Consumer complaint received 2023-01-25
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. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over XXXX  days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-25
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. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-22
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Company unlawfully flagged account ( XXXX ) as unpaid, fraud as a result of their apps error. Account ( XXXX ) reflect all payments as well as communications on record held by the company as well as private recordings held by customer in support of these affirmations. 

Capital One stated and/or otherwise affirmed that they paid from their private account funds totaling {$340.00} including interests and fees. 

Capital One stated that customer has a balance of {$340.00} available in the account which customer authorized them to utilize in paying off and settling any monies that are due or that customer is responsibly for in the amount of said {$340.00}. 

Capital One is obstructing the customer from benefits agreed upon and from unmolested use of the card both depositing, withdrawing, and proper credit reporting. 

Capital One is threatening to falsify credit reporting documents as well as share credit reporting and sensitive information concerning customer without consent and authorization. 

Customer DOES NOT CONSENT to Capital One sharing any information to any persons or agencies including but not limited to Addresses, Signatures, Social Security Numbers, Account History, etc. 

If the customer has entered into any agreements with Capital One knowingly or unknowingly whereby these actions are deemed permissible, customer has formerly and does currently reserve all rights and moves for the rescission of the agreement between Capital One unless immediate remedy and recourse is attained. Such remedy is to include but not be limited to reopening of closed accounts or reissue of new account or account eligibility. 

Additionally, it is unlawful to be denied credit or for any creditor to discriminate against any applicant as it creates an adverse action pursuant to : Title 15 USC 1691 Chapter 41 Providing Scope of Prohibition ; 15 USC 1681 Providing Congressional findings and Statement of Purpose 15 USC 1611 Providing for the Criminal liability for willful and knowing violation 12 CFR 1002.4 Providing for Discrimination, Discouragement, and Scope of Rule concerning dealings between an applicant and creditor.

Additionally, the illegalities of finance charges and down payments are defined, established, and lawfully remedied in : Title 15 USC 1605 Providing for the Determination of finance charges ; 15 USC 1662 Providing for the Advertising of downpayments and installments ; 15 USC 1635 Providing for the Right of Recission as to certain transactions.
Consumer complaint received 2024-05-21
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Due to a severe drop in income, I could not pay my Capital One Miles Card in XXXX and XX/XX/XXXX. I made partial payments from XX/XX/XXXX- XX/XX/XXXX. I started a plan to pay regular installments for an indeterminate length of time. My card is on restricted status. I started making regular payments in XX/XX/XXXX and have been timely with all payments since then. I received a letter on XX/XX/XXXX that 10 new Capital One credit cards which someone had applied for in my name were not issued. I called immediately to say a scammer had done this and not me. There was no record of anyone applying for these cards in their system. I was told to check my credit reports to see if it would be noted. I checked and saw nothing yet. I heard during my wait for an agent that Capital One had issued a new credit card to me. I called again today, XX/XX/XXXX, to tell them I had not received this card yet. The agent told me that it was indeed delivered on XX/XX/XXXX at XXXX. I told her that I received only the letter turning me down for 10 new Capital One credit cards which a scammer had generated. She has insisted that it was the new card. She finally believed that is was not received and quickly closed my old account. She issued a new number despite my protests. I knew that on restricted status a new card could not be issued. I requested just the new number for my records. She refused. I simply see 4 digits on the website. There is no way to see the entire 16 digit number. I called back 5 times and spoke to 7 agents who would not help me. I called the fraud unit at XXXX and spoke to XXXX, employee number XXXX. He kept me on the line for 35 minutes while he researched the letter of XX/XX/XXXX. He also investigated what happened to the card which was issued but never arrived. At the end of the phone call, he did not know what had happened to this missing card or what generated the request for 10 Capital One Credit Card applications. He told me that I could look up the entire new number on the website after my XX/XX/XXXX payment processes. I knew this was not true. XXXX then asked me for my entire SSN to help him check my credit report for other scam requests. This set off alarm bells. I refused and said that I could look it up myself. He then shamed me for paying over the minimum amount this month. I laughed it off but I could not believe a company representative was scamming me for my SSN. Something is truly wrong at Capital One. They have criminals answering the phone. Suppose something else goes wrong with my account? It's like XXXX XXXX meets the XXXX. I am afraid to call them for help of any kind.
Consumer complaint received 2023-08-14
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX Balance Owed : {$6100.00}.
Consumer complaint received 2022-12-22
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Bank if America had been calling me daily to get the XXXX owe to them. Even though I continually tell them I was paying an additional XXXX monthly on my loan. They are not listening to me even when I told them the I filed a complaint and BOA was looking into their error. Please stop the harassing process.