davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (WA)

They claim I owe them money. I have sent them a letter to the president of the company asking for proof of this debt. They did not provide it with me they are in violation of the fdcpa, so if they want to continue to play games we can escalate the issue if they continue to violate.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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 XXXX XXXX XXXX. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account : XXXX, Account : XXXX, Account : XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2021-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (OH)

On XXXX, 2018 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Consumer complaint received 2021-01-06
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. (LA)

Last XXXX I've sent disputes for those unknown and inaccurate accounts that I found on my credit report. It cause me stress because it's almost 90 days now but I haven't received any response. I demand for the deletion of those inaccurate or unknown accounts or I will file a litigation.
Consumer complaint received 2022-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I sent a letter to remove these personal information that UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these personal information not later than 4 business days. 
XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX  XXXX XXXX Date Updated : XX/XX/XXXX ; XXXX  XXXX XXXX XXXX Date Updated : XX/XX/XXXX
Consumer complaint received 2023-07-01
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: W&A Intermediate Co., LLC (KS)

WAKEFIELD AND ASSOCIATES Last reported XX/XX/2023 {$430.00} Open balance XXXX XXXX XXXX XXXX Original creditor My original balance was {$560.00}. I paid XXXX {$100.00} XXXX {$61.00} XXXX {$100.00} XXXX {$300.00}. I paid these amounts directly to the original creditor XXXX XXXX XXXX XXXX. I have filed a dispute 2 times through XXXX and XXXX. WAKEFIELD AND ASSOCIATES has been contacted on this matter and they keep confirming that I still owe the debt. I sent them a cease and desist letter on XXXX explaining that i choose to deal with the original creditor and that in fact this debt is paid in full. WAKEFEILD AND ASSOCIATES still has confirmed with the credit bureas that the debt is still owed. I provided them a payment history from my HSA debit card and they still keep reporting the amount of {$430.00} is still owed. I can not deal with all this stress in dealing with this issue as my health is not good.
Consumer complaint received 2021-01-06
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)

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Consumer complaint received 2017-03-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

In XX/XX/XXXX, I received my first notification letter from University XXXX XXXX XXXX XXXX ( XXXX ) saying they were holding a student loan of mine in the amount of {$9300.00}, which they said was going to be delinquent. I asked my Federal Loan Servicer XXXX XXXX to consolidate the loan a few days later. XXXX XXXX completed the Loan Consolidation in XX/XX/XXXX, which was the same month XXXX reported me delinquent to the Credit Bureau 's. XXXX broke the law.
Consumer complaint received 2023-01-03
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. (VA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-01-06
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. (AL)

) I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. This company is very unprofessional! I also sent them a copy of the police report. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. 
I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2017-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Problem : Bank of America ( BOA ) accessed my account without my authorization via a system override to create a pay to account to pay themselves. I noticed this when I received an Email stating : " a pay to account has been set up for account xxxx ... If you did not create this pay to account please contact us. '' I do not use the bill pay system at BOA to pay my credit card. I pay my credit card balance in full ever month ( sometimes twice ). I use the balance transfer process to pay my balance for this credit card. I felt violated that BOA misused my financial information for their benefit - without my authorization. When I contacted BOA to get it addressed I was told that " I created the pay to account. '' To which I advised that I did not, and requested that the representative check the records to validate payment process used to pay the card every month. I further noted that I did receive an Email from BOA to contact them in the event that I did not create this pay to account - and was following the guidance of the Email by contacting them and making them aware of the problem. I requested a supervisor and was given the XXXX XXXX in the XXXX PA office, who agreed - this was a misuse of my financial information for their benefit, and should not have occurred without my authorization. She then warm transferred me to a Online Banking representative ( XXXX, Lastname unknown ) who advised that a " system override '' was used by BOA to authorize them to access my account to create this pay to account on my behalf - confirming this was not done by me - the customer but by BOA. I feel like BOA has taken advantage of my trust in creating a direct route to access my financial resources to pay themselves. The account has never been past due and I have always paid my balance on time and in full. Customers should be aware that this is happening. If they can access your account to set a payment account for themselves, whats to stop them from creating a system override to filter money from your account. This is wrong, it is an unauthorized misuse of my information. They should not have the right to go into my account to make this change. This leads me to believe that my account information is not protected from BOA employees. For the purposes of this complaint the manager in XXXX PA and the online banking representative was very helpful. Please redact their names for publishing purposes so they are not retaliated against by BOA. Their names were provided to benefit the investigation. I did ask for a policy, procedure or other documentation where BOA has notified customers that they can make this type of change, and was advised there was no such documentation. I also asked for a customer inquiry, reference, or other tracking number to document the call today, and was advised that there was no such reference number. ( Which is why the manager in PA provided her name. )
Consumer complaint received 2017-03-29
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Caneel Capital, LLC (CA)

We took out a HELOC with a big box lender 10 years ago. Our property went under water and we lost household income so we filed Chapter XXXX which was discharged 8 years ago. We were told we were no longer responsible for the debt ... but that the lien would remain on the property. We found out in XXXX that the lien from XXXX did not record until XXXX we recently found out there was an issue in the assignment process as well ... .that the original big bank did not properly record the assignment transfer. In fact we got a call from the bank saying they were " correcting '' the error by recording another assignment to a company that was supposed to have been assigned originally. So not only did the deed record 5 years after signing but 3 years after BK discharge .... and with significant irregularities in recording. However, this is only part of our complaint. We have been attempting to settle with Trinity since XXXX ... .in the initial call their representative told us they will not negotiate ... .that they " would purchase my first mortgage then foreclose '' ... or they would simply " wait until the values go up then foreclose. '' In XXXX of this year Trinity filed an " notice of default '' against us. earlier this month we had offered a settlement amount which was declined via email and countered to {$70000.00} on XX/XX/XXXX. My wife and I have been scrambling around borrowing, liquidating XXXX and selling personal effects to come up with the XXXX ... ... I contacted XXXX via phone and had a conversation with XXXX yesterday. I explained we had done everything we could to come up with the money and that we wanted to know what we could expect in return for the settlement. XXXX said he would send me an email within 10 minutes of our call but what we got was an increase in the amount to {$77000.00} ... ... {$7500.00} almost to the dollar. So in summary, after accepting their email offer they used the verbiage in the email to say there was no actual offer ... just the " possibility '' of approval followed by another email with the higher amount. What is to stop them from doing the same thing again? We dont have XXXX but I feel like if we said we did they would simply raise the amount again. The ethics of this company and its representatives are suspect at best ... .and the individuals earning a living by foreclosing on families have dirt all over their hands ... at some point the CFPB and other government agencies need to get involved to stop the gorilla tactics taken. Sad thing is they paid pennies on the dollar to obtain this note. Ironically the amount of XXXX which we agreed to represents full repayment of the original amount borrowed plus {$10000.00} ... ...
Consumer complaint received 2017-03-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (TX)

I spoke with someone on the phone at FedLoan Servicing a few weeks ago in order to have the maximum amount of a recent payment first directed toward my loan with the highest interest rate. The payment amount was more than sufficient to pay this loan off in full. The request also asked that the remaining amount of the payment go toward my loan with the second highest interest rate. 

I submitted this same request via email prior to my phone call, but received no response from FedLoan Servicing in return. 

After my phone call, I was told to wait 20 days. Now that 20 days has passed and the payment has finally been re-allocated, I see that my directions were not followed correctly. I wanted to pay off the high interest loan IN FULL, which is exactly what I discussed with the representative on the phone a few weeks ago. Instead, the money was re-allocated in some random way between all my loans. I am getting concerned that interest is accruing despite the fact that the check has been cashed for some time now and my request for a full loan payoff has been made numerous times and is still not implemented.
Consumer complaint received 2023-01-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

To whom it XXXX concern. 

I tendered payment to CapitalOne before the original due date of XX/XX/2022, I had sent via registered mail a XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX for {$230.00} and {$800.00}. which estimated delivery was XX/XX/2022, with both coupons totaling {$1000.00}. I sent these coupon vouchers to the XXXX of CapitalOne, XXXX XXXX XXXX who XXXX the Vouchers and a Cover letter, Hold Harmless and XXXX XXXX, Legal Notice and Demand, and form XXXX. I have received thXXXX XXXX XXXX XXXX in the mail to confirm they have received my voucher coupons. I called into CapitalOne to check if my coupons were applied on XX/XX/2022, XXXX the Supervisor I spoke with stated it might have been rerouted to the proper department and stated I check back on XX/XX/2022. I called again on XX/XX/2022 and spoke with a Representative who could not assist me because he could not find where the coupon vouchers were or if there were any notes on what was sent. Finally, I was transferred to a XXXX Account XXXX XXXX to check if my payment vouchers were applied. She debated with me about what I had sent, and stated that it wasn't payment, I explained that I knew the law regarding making a proper settlement or setoff to the account, and explained the UCC codes, 18 U.S. Code 8, UCC 3-603 ( a ) & ( b ) & ( c ) TENDER OF PAYMENT, UCC 3-601 ( a ). She continued to debate with me and stated on a recorded line that " SHE DID NOT KNOW THE LAW '' and could not assist me in this issue. I was left damaged with now having to find another means of tender, even though I had sent in my XXXX Coupons to settle the account. Then on XX/XX/2022, I was sent a letter from CapitalOne stating that they have closed my account because my activity was not consistent with their expectations for account usage and violates the CapitalOne customer agreement. I strongly believe per XXXX XXXX Interference with commerce, theXXXX XXXXXXXX XXXX XXXX XXXX  me the consumer, and I seek full credit to the CapitalOne account as well as for damages & Punitive damages. My account was closed, and their representatives do not know the law regarding Legal Tender, and I overpaid because if I did not do this, they will go and damage my Consumer Credit Report.
Consumer complaint received 2022-09-30
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. (NC)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2021-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC. (NE)

I believe this is a scam text : FINAL REMINDER : Equifax Has Flagged Your Account For Unusual Activity, Last Date To Resolve, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: CITIBANK, N.A. (NY)

I opened a credit card with Citibank a few years ago as a way to build my credit. I successfully kept up payments and utilization ratio. After a year I was offered an upgraded credit card. Unfortunately recently there were fraudulent charges that were flagged. I told them that it was indeed fraudulent. They said they needed to send me a new card and would need to close the current account. I was confused and asked how would it affect my credit score, since closing an account is terrible for your credit score. They said it would have no affect since it was due to fraudulent charges. I gave them my addressed 3 separate times, and 3 separate times it was rejected. I dont understand as I get mail and packages all of the time. I decided to check my credit score today and it dropped by XXXX points. I feel wronged as they lied to me and caused me harm. I did not ask for fraudulent charges nor for my account to be closed nor for this to be reported and cause harm to my credit score. Now I will be unable to get an apartment or mortgage. I have no idea what to do and should not have to shoulder the responsibility of fixing this. Citibank needs to fix it.
Consumer complaint received 2021-01-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch (IN)

My ex an I bought a water system in XXXX from a company that went door to door in our neighborhood when we had our house built, which we didnt realize until later that there was no solicitation allowed. The company never even explained to us that it was at such a high interest rate. Just a couple years later in XXXX the XXXX XXXX water system broke down on us to only find out the company was no longer in service and we tried everything to track them down. We eventually went to castle credit to explain but they had no intention of helping us. After we realized how much we had already paid to castle credit and how much was owed due to interest we stopped paying them since they didnt care that the product they loaned broke down on us. The company castle credit is based in XXXX IL and have been harassing us ever since.
Consumer complaint received 2021-01-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (MA)

We refinanced our mortgage and it was transferred to BSI Financial. BSI has for 3 months failed to add in our payee escrow information for both our property tax and property insurance. We have been current with our payments and the company required an escrow account ( which has the necessary funds in it ). We have received no communication of escrow payee concerns nor do we have the ability to add the payees ourselves. I was just assessed interest on my property tax quarterly payment and it is unclear if my next quarterly payment will be paid via the escrow account or by myself. In order to avoid further penalties from my town, I had to pay the overdue notice from my checking account even though the necessary funds are in my escrow account. I emailed the company earlier today asking for clarification.
Consumer complaint received 2022-12-30
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. (MO)

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING ACCOUNTS IN MY NAME : XXXX XXXX XXXX XXXX XXXX XXXX  {$92.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$98.00} XXXX XXXX XXXX # XXXX {$250.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$290.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$110.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$56.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$110.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$220.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX
Consumer complaint received 2021-01-06
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. (NV)

My information was breached in Equifax data breach and I was contacted by a debt collector that I have never done business with so decided to research it some more. I had all my reports pulled and realized there is multiple accounts that don't belong to me. I filed a police report, an identity theft report, contacted the companies, and filed disputed with all 3 major bureaus with supporting documents sent to them. They have not fixed the problem and I should not be held liable for accounts that don't belong to me.