davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I currently have a Capital One credit card. On XX/XX/XXXX i went to the website and made a payment that was the full amount showing on the site. there is no place listed on the site that gives me anything other than full balance. there is no place and or indication that there would be a different " payoff amount ''. i made a full payment paying off the entire balance of the card. on the XXXX of XXXX i was charged XXXX in interest charges. I called the company and was informed that this was due to a balance on the card for the prior month and i was informed that i would be charged interest if i had any balance for the past 2 months. this means that they will continue to charge me fees regardless and it makes it so there is no way to pay off the card in full ever. i talked to a supervisor ( XXXX ID # XXXX ) and he stated that i needed to look at my statement to get the full information. my statement also did not have a " payoff '' amount on the statement. he informed me that to get a complete and full payoff amount that i should have called a customer service representative to do that. their practices are significantly predatory!
Consumer complaint received 2024-06-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX XXXX XXXX XXXX is reporting Inaccurate information on my consumer report to XXXX, XXXX XXXX XXXX. 

XXXX federal is reporting Late payments which is a violation of the FCRA. 15 USC 1666b Timing of Payments- ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

Furthermore the activity date are reporting as- ( XXXX ) ( XXXX ) ( XXXX ) these are inaccurate reporting and goes against the metro XXXX guidelines
Consumer complaint received 2023-07-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (CA)

XX/XX/XXXX - Received a letter from Wakefield and Associates, LLC ( a reported collection agency licensed in Tennessee ) indicating that they were engaged by XXXX XXXX XXXX  XXXX to collect {$390.00}. Requested payment via XXXX. Visit www.wakeassoc.com to securely pay online. Claim to have made several calls to me. 

XX/XX/XXXX - Called Wakefield at XXXX to inquire. They wouldn't provide any information other than that the service was completed at XXXX XXXX XXXX XXXX ] in Illinois on XX/XX/XXXX. I informed them that they had ( i ) my first name wrong, ( ii ) that I don't live in Illinois nor have I been there in 8 years, and ( iii ) that I have not been to a hospital or doctors office in 7 years. I requested more information, which they denied and said I would need to write a letter to receive, and subsequently requested that they stop the claim as they have the wrong person. 

XX/XX/XXXX - Received the exact same letter as received on XX/XX/XXXX, but with an updated amount due of {$1100.00}. No other changes.
Consumer complaint received 2023-06-07
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)

Follow up from CFPB file XXXX, I was asked to provide proof of my social security number, via phone call placed XX/XX/XXXX. Due to my family and I being displaced, and homeless, ( due to the debt in dispute ), I am unable to receive correspondence. I express my apologies, as I will fully cooperate in any part of this investigation, to get this debt removed. 

ORIGINAL COMPLAINT In XXXX of XXXX, I submitted a dispute to XXXX against XXXX XXXX XXXX ' attempt to collect a debt not owed, of over {$16000.00}, on behalf of XXXX XXXX XXXX XXXX. To validate my claim, I uploaded a Writ of Re-Entry document, granted by XXXX XXXX, in XXXX of XXXX, granting access to the unit, ruling there was no prior rent due, nor prior debt owed to the community. Also included in the uploads were court documents showing XXXX XXXX XXXX ' cause of eviction, including a XXXX balance, on the rent balance owed line, submitted to the Court. CFPB file number XXXX, ( to include the same company in the same dispute ), upon completion of the investigation, was submitted to the FTC for enforcement , entering XXXX XXXX XXXX XXXXXXXX into the Consumer Sentinel Network XXXX Because of this finding XXXX, ( nor any other credit bureau ), should not be allowed to uphold a debt that was fraudulently submitted against court orders and referred to the FTC for enforcement by the Consumer Finance Protection Bureau. XXXX XXXX XXXX attempted to present a court document regarding an eviction case they lost in XXXX of XXXX, citing rent owed, however in this case the Court too, ruled in my favor, as XXXX XXXX XXXX cashed the money orders presented via XXXX County, and filed for eviction without cause. Because they lost the original case in XXXX, I was still a resident, illegally locked out of the unit in XXXX, with a Judge granting my access to the unit in XXXX. Upon being escorted to the property via a XXXX County Deputy, we discovered ( the deputy and I ) the unit had already been rented to new tenants, with my property disposed of. Between the Writ of Re-Entry dated XX/XX/XXXX by the Court, and the filing of this debt placed on my credit report, the same month after the Judge ruled, against Court orders, is upholding this community in retaliation, as the same community in the complaint acknowledged prior, no rent being owed as their Cause of Eviction in XXXX. My argument is because my family and I were locked out in XXXX, with no balance owed, XXXX XXXX XXXX should not be allowed to collect for a debt not owed nor disputed in the original argument that XXXX XXXX XXXX lost in court. They placed this debt on my credit report, against court orders, to retaliate against me.
Consumer complaint received 2023-07-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: U.S. BANCORP (OR)

My XXXX wrote me a check. Her bank is nearby and I went to cash it. I waited over XXXX minutes to be told to cash a check at the bank where her account is costs {$7.00}. 

This is not service oriented at all for your members not for those they write checks to. 

Very bad policy. Speaks poorly of US Bank.
Consumer complaint received 2022-10-20
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: Experian Information Solutions Inc. (CA)

I DISPUTED THIS FRAUDULENT INFORMATION REPORTING ON MY CRDEIT REPORTS THAT I DO NOT OWN. THE LAW SAYS IF DONT OWN THESE ACCOUNTS OR NEVER OPENED THEM THEY SHOULD BE REMOVED FROM MY CREDIT REPORTS.
Consumer complaint received 2023-07-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Forster & Garbus LLP (NY)

XXXX XXXX has claimed private loans were sold to XXXX, then XXXX refuses to deal with me, as they were sold off to Forster and Garbus collections in NY State. As per my understanding, the following has taken place and applies to me : To qualify for discharge under the XXXX settlement, a private student loan must have been originated between XXXX and XXXX by XXXX XXXX ( XXXX XXXX ) and must have been charged off by XXXX as of XX/XX/XXXX. Additionally, the loan must meet one of three conditions. 

The borrower at loan origination had a XXXX  score below XXXX and attended a for-profit school or below 640 and attended a non-profit or public school The loan was used to attend of the for-profit schools included here under # XXXX. 
The loan originated under XXXX XXXX opportunity or Recourse program. 

I did have a XXXX score under the 640 and attended a non-profit school within the time frame of these loans being offered. Forster and Garbus, through XXXX XXXX and XXXX, is still collecting on these even though this took effect over a year ago! In other words, XXXX and XXXX jumped on this in XXXX, knowing this was NOT supposed to take place. 

Dealing with this group is very difficult. They never act forthright, use courts to intimidate and bully, collect on my pay through back door means and likely bought this debt for pennys on the dollar, yet are collecting it all!
Consumer complaint received 2022-12-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NH)

I have submitted two prior complaints here and with the comptroller as well and I have yet to reach a conclusion or get the money. I was told I could go into a branch so Ive done that and they still insisted on a phone number for verification despite being able to verify our identities in the flesh : Im starting to believe they are doing this purposefully and Ive contacted the attorney general to see if they can help. The closure on my account was done because of what they say in proper endorsement. I have enclosed photos of the exact endorsement that they told me to put on the back because I consulted them before depositing the third party check.. thats the kicker of all of this I wouldve never in XXXX XXXX years done. This had I not been advised by Chase themselves. I am just one of thousands that are having the exact same issue and while I am sure they have a massive amount of fraud going on, Ive jumped through every hoop, and complied with every demand for information you requested, and its all been legitimate. This money was for rental assistance for her mortgage so please let that sink in. Almost a year is appalling in the fact that you want to send the funds back to the states that she can get them through them just means chase has out right stolen 4 months of rent and significant stress on my fianc. The last complaint I made was completely ignored under, dressed and closed without even reaching out to see that there was any sort of solution, which is what they do. If you file a subsequent claim against them, they close it out immediately and chalk it up to all, we already addressed us but no, I am writing to say youve not addressed my initial issue three complaints ago. Im leaving her number for you to verify since I cant get anyone to help me on the phone I always get a they will call you back spiel and then I dont hear from them.
Consumer complaint received 2022-10-20
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. (FL)

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-10-20
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. (PA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX ( XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I had a Bank of America ( BOA ) XXXX XXXX credit card. On XX/XX/2022, the account was transferred to XXXX XXXX XXXX XXXX XXXX ( XXXX ) because BOA was discontinuing the card. After that point I was unable to log into by BOA account. The outstanding charges on my BOA card, however, appeared on my XXXX  account, and I paid all outstanding charges. Yesterday, I received a statement showing as due the same charges that I already paid to XXXX. When I tried to call BOA for an explanation, the phone number on the statement was out of order. When I tried to call on a different number listed on the BOA web page, I was disconnected. I have no idea what to do.
Consumer complaint received 2023-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I applied for a personal credit card with bank of America on XX/XX/2023 and the system got denied with no reference number or letter been sent to my address then I called after 3 weeks and been told sorry for not sending the letter we will send you one within 3 days and never got it, then I called after a month and a half and been told i got denied for business account issue i co signed, I asked the representative this is personal credit card and there is nothing to do with business accounts she said you can request reconsideration and she said they have to pull my credit again which is they did and Ive got denied for the same reason with no letter or reference number at all, when i asked to remove the hard inquiry she refused my request
Consumer complaint received 2023-06-17
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION (MI)

FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.
Consumer complaint received 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Transunion has YET AGAIN put an extended fraud alert on my account! I am tired of this company doing this without my permission AND when I specifically tell them not to. I have no issue with the other XXXX bureaus, but Transunion continues to do this! 
This needs to be looked into because they continually do this to my account. I am not having this issue with any other group. I am tired of having to send them information in the mail to fix these issues as they will not handle issues on the phone! I feel that the governing agencies need to look into these practices and actions immediately.
Consumer complaint received 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Hey good day for the past weeks I have trouble getting a loan due to XXXX  days late payment on my credit report ; I am requesting a goodwill if yall can kindly remove this from my credit report due to my consistent on time payment for the last 5 months or if its possible you delete this account from my credit report this is tradeline : XXXX XXXX XXXX  an installment loan Account number : XXXX it is a credit builder account. Late payments were XX/XX/XXXX and XX/XX/XXXX. 

Thanks in advance
Consumer complaint received 2024-05-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

I am looking to apply to the PSLF. I would have already qualified but I was put on an unsolicited deferment or forbearance during the months of XX/XX/year>, XXXX despite me informing XXXX  and then MOHELA that I was working for an eligible employer and wanted to make these payments. XXXX said there was nothing they could do and MOHELA said that it would make me delinquent on this payments and would not count toward my PSLF. XXXX also had gave me incorrect information during this time saying that I should apply for an unemployment forbearance knowing that I was on an income drive repayment plan and my payments would have been zero anyway.
Consumer complaint received 2023-09-29
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 (NY)

I am completely frustrated at this point. Few months back I bought this prepaid American Express gift card. Till date, this card has been declined at least 4 times. I have tried using it at XXXX, XXXX XXXX, XXXX, and XXXX. This card absolutely will not go through and I am unable to make ANY purchases at all with this card. 

Whenever I call customer service, all they say is that I should try using this again. They blatantly refuse to believe that there is something wrong with the card and that it doesn't work anywhere. This is blatant consumer abuse.
Consumer complaint received 2022-12-03
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: Experian Information Solutions Inc. (NC)

XXXX XXXX XXXX XXXX GAVE A LOAN TO SOMEONE UNDER MY NAME, JUST KNEW THE CREDIT INQUIRE WAS PULLED BECAUSE WITHIN MINUTES I RECEIVED ALERT FROM XXXX AND CALLED XXXX AND TOLD THE FRAUD DEPARTMENT IT WAS FRAUD AND I WAS NOT LOOKING TO BUY A XXXX NOR ANY CAR! THEY SEND A LETTER TO XXXX TO HAVE THE INQUIRE REMOVED AND DELETED BUT NOW THEY PUT THE LOAN ON MY CREDIT FILE AND STILL GAVE THE LOAN. THEN EXPERIAN REMOVED THE ACCOUNT AND BLOCKED IT AND NOW THEY ALLOWED MBFS TO PLACE IT BACK ON MY FILE AND WANT LET ME DISPUTE IT ANYMORE. I HAVE FILED SUIT AGAINST XXXX  AND XXXX FOR ALLOWING THIS. I WAS A FEDERAL JUDGE FOR OVER 30 YEARS AND I WILL NOT ACCEPT THIS AND WILL FIGHT UNTL ITS REMOVED. XXXX XXXX FRAUD TEAM WANT CALL ME BACK NOR EXPERIAN FRAUD TEAM KEEPS HANGING UP ON ME. I HAVE FILE A COMPLAINT WITH FTC FOR UNFAIR PATIENCE FOR XXXX  AND NOW FOR EXPERIAN. LAWSUIT HAVE BEEN FILE AND I WILL POST EVERYTHING ON XXXX AND XXXX AND XXXX REVIEWS AND SEVERAL OTHER PROFILES AND LET PEOPLE KNOW WHAT THERE DOING. THE CRAZY THING IS THE INVESTIGATOR CALLED THE PHONE NUMBER ON THE CREDIT APP FROM XXXX XXXX XXXX AND THE GUY HE WAS TALKING TO WAS THE GENTLEMAN OTHER STOLE MY IDENTITY, HOW XXXX CAN YOU GET. CALL THE NUMBER ON THE POLICE REPORT NOT THE FRAUDULENT CREDIT APP.
Consumer complaint received 2022-10-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: PENTAGON FEDERAL CREDIT UNION (IL)

I would like to share that this company went into business with a corrupt, fraudulent, predatory loan company named XXXX XXXX XXXX. I had solar installed at my home from a company called XXXX XXXX that is now out of business and went bankrupt. I'm a customer that has a loan and they listed me as a creditor because they owe me {$7000.00}. I spent {$81000.00} that XXXX paid XXXX way before installation. I tried to cancel this loan and they wouldn't let me. I have a balloon payment in 18 months to come up with 26 % of my loan or payment will go up. Hmmmm ... .coincidence that it's the same percentage that XXXX  stated we would get back in taxes? Yea, I think not. I pay $ XXXX {$1000.00} a month between my loan and my electricity. I'm a XXXXXXXX XXXX veteran and YOU ARE BACKING UP AND GAVE MONEY TO A PREDATORY LOAN COMPANY! Your credit union is all over my contract, they're buying shares in their customers name WITHOUT their knowledge. My system don't even work and I HAVE to keep paying. They put a lein on my home, this is criminal!!!!
Consumer complaint received 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Open Dealer Exchange, LLC (FL)

In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 USC 1681 section 602 STATES " I HAVE THE RIGHT TO PRIVACY '' Under 15 USC 1681 section 604a section 2 " it also states a consumer reporting agency can not furnish an account without my written instructions '' 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2023-07-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC (MI)

Hello I recently talked with the debt collector about said credit card debt they say I owed, but I told them I paid it off 2 years ago they still are reporting it as owed and calling me and sending me letters saying I owe when in fact my state taxes was garnish to pay said owe debt and my work wages was also garnished. I emailed them, called them, and provided proof the the amount was satisfied within my local courthouse. I filled numerous disputes and provided proof and they still reporting it on my credit report and harassing me about the debt. The amount owed was XXXX from spring oaks collection but the company XXXX  had the debt and the courthouse paid XXXX  XXXX, so spring oaks is trying to get payment on an old debt that was paid. I also paid off XXXX XXXX and they are also trying to get me to pay them a second time when they surd me and garnish my state income tax. These companies are still reporting the debt as owed and trying to force me to pay a second time.
Consumer complaint received 2023-06-07
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. (NY)

I called your department after I purchased a credit report with XXXX XXXX dated XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were CHARGE OFFS accounts on my credit report. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these charge off, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 
XXXX XXXX, XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX  XXXX XXXX