davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

My Walmart credit card was closed. It was with XXXX XXXX. It was transferred to Capital One. They REOPENED it and designated it as delinquent, and reported it to the Credit Bureau, ruining my credit rating. They call repeatedly every day over and over and over to collect 'past due ' payments on a CLOSED ACCOUNT that they reopened. I have tried to make arrangements, but they ignore me. They continue to call after I asked them to stop. They continue to add fees on a CLOSED ACCOUNT that THEY REOPENED. I find their collection and business practices SKETCHY AS XXXX. 

If they continue to call, I will take legal action. I will sue them for a larger amount than I owe on this CLOSED ACCOUNT THAT THEY REOPENED.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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. 
XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX Contract callers XXXX XXXX  Account XXXXXXXX XXXX XXXX XXXX at 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 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 2023-05-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mountain Land Collections, Inc. (WY)

I received a letter from Mountain Land Collections, LLC from XXXX XXXX, UT stating it was a collection agency and I owed money for an ER visit that I knew I had already paid off. This company sent a very legitimate-looking letter and has a website set up to take payments. I called the hospital directly and they confirmed that this is a scam.
Consumer complaint received 2023-05-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

there is a fraudulent inquiry on my credit report that transunion will not delete which is in direct violation with the FCRAXXXX XXXX XXXX  posted an inquiry in XXXX XXXX XXXX and I never gave that company permission to pull my credit. Ive called transunion and spent hours on the phone with them and they refuse to delete this inquiry.
Consumer complaint received 2023-02-01
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: CBC Companies, Inc. (NC)

I would like to have the following 7 companies investigated and deleted from my credit report. Ive never had any accounts with any of these companies and dont know how they ended up on my credit report.

The 7 companies are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-02-01
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: NCB Management Services Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX Account, 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 2024-03-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

On XX/XX/XXXX I requested that the following inquiries be removed from my credit report : TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC (GA)

Please remove this credit account from my credit report immediately. This collection account is in direct violation of the legal document XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fair Credit Reporting Act )
Consumer complaint received 2021-04-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (FL)

************Not a Duplicate complaint************** New evidence included since the company wants to act like they dont know ... 


In XX/XX/2017, I was given a loan which was deemed a predatory loan by the attorney general of oregon and was included in a law suit against santander and which was settled. I am entitled to the settlement which was already agreed upon. 

settlement can be seen on this website : XXXX XXXX XXXX
Consumer complaint received 2023-02-21
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. (IN)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please delete the following items immediately : XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-03-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TOYOTA MOTOR CREDIT CORPORATION (AR)

Contacted Toyota Finacial Services ( TFS ) on XXXX  for a payment deferral. Response received from TFS stating deferral was approved and to call customer service to notify of preferred delivery method. Contacted customer service as insteucted and they did not even know that it was aproved. After being transferred at leadt 3 times to different agents, I was told to wait 48-72 hours and that document could not be completed electronically neither signed electronically. I requested to speak with Supervisor and was told that there was no Supervisor available. On XXXX I reveived a message from TFS stating the only received 1 page of the deferral and not the one with my signature. Once again, I called customer service and was transferred to 2 different agents that neither was able to help. XXXX ( agent ) was unable to locate my account using first and lasy name. As of today, XXXX, my deferral has not been applied to my account despite submitting executed document electronically and via fax on XX/XX/. It has been a horrible experience and very frustrating because it feels like customer service agents from TFS dont care or are not willing to resolve my matter in a timely fashion. 

XXXX XXXX XXXX
Consumer complaint received 2015-09-02
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: IMMEDIATE RECOVERY GROUP, INC (KS)

They 've called a few times to explain my options for repaying student loans within the same week. I 've explained my work schedule and that I 'm in the habit of doing research on companies I 've never dealt with before paying them any sum. Agreed to call them back Wednesday afternoon ( after work ). The follow up was to contact me at work to further push the issue while I was at work on Wednesday.
Consumer complaint received 2023-05-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following account has been paid but Transunion has been reported as follows : XXXX XXXX XXXX ACCOUNT NUMBER XXXX BALANCE - ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS LATE PAID. XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX BALANCE - ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS LATE PAID. XXXX, XXXX ACCOUNT NUMBER XXXX BALANCE - ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS COLLECTION UNPAID. XXXX ACCOUNT NUMBER XXXX BALANCE - ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS COLLECTION UNPAID. 

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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (IL)

I had a car loan from Wells Fargo and it should be a part of their most recent lawsuit but haven't heard a peep. I was a part of the other lawsuit and received a payout so I know they have my information. 

XXXX XXXX XXXXXXXX
Consumer complaint received 2023-02-18
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I started receiving CA edd benefits in XXXX until XXXX XXXX. I had never received a card from Bank of America. I ordered a total of 8 cards over that time span. I had been calling bank of America asking why I wasn't receiving the cards and they told me to contact edd. Edd kept telling me to contact bank of America. So I finally got Bank of America to let me file a fraud claim and I finally received my first card XX/XX/XXXX. Well the XXXX is still missing. They filed 6 claims one for each card that had a amount on it. It's been 50 days, they approved one claim for {$160.00}. But haven't provisionally credited the account, they haven't mailed or communicated with me at all. I have applied for a hardship and no response. I know my rights are being violated and I have lost everything due to not having my money. I need help getting my money or at least access to it while they investigate the claims.
Consumer complaint received 2016-06-02
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Bronstein & Weiss Arbitration (TX)

XXXX XXXX called my father and my sister and my work phone number stating that charges are being filed against me in XXXX XXXX by XXXX XXXX XXXX unless I call to pay today. I have not received a debt validation letter, no one has called my personal phone number, and I do NOT provide third party phone numbers to any one. I have no idea who this is or why they are calling but it is humiliating to me and very distressing to my family members and coworkers who believe this to be true and are worried I am going to jail.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 604 A. States I have the right to privacy. 15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish an account without my permission or consent of acknowledgment. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-10-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/2018 at XXXX I had a alert on my phone about my account. I check my account on it inform me that it was close. On XX/XX/2018 I got and text from bank of America about a identification code. Call the bank asked them why did send me that code. The representative mention that someone probably trying to hack into my account.i asked will the bank inform me about any fraud, the answer was yes. They close my account what out telling me why they close my account.
Consumer complaint received 2023-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC (FL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
1

5 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 2020-02-25
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking  account that on the month that you marked me late on my credit report.
Consumer complaint received 2018-10-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

My ex husband applied for XXXX XXXX & used my name XXXX a co signer. It was {$1000.00} credit line. He never paid on it. I started getting collection notices from Portfolio Recovery and asked him what had happened. He took full responsibility, & said he'd take care of it. Fast forward to 2016, we were both sued & iin court my attorney asked the Portfolio attorney to remove me from the legal action. He refused stating as long as my ex paid the monthly payments, I wouldn't have to worry. He didn't pay. I now have a lien on my home. I've disputed numerous times via XXXX XXXX & XXXX. Each time they upheld it, however, no one has provided me with proof of my signature on the contract. When i've specifically asked for proof, they just send me a credit card statement. That's not proof. I've contacted the attorneys directly and asked for this proof and have been ignored. My ex husband signed a notarized statement stating he was solely responsible for this debt. I was still ignored.
Consumer complaint received 2023-02-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (IL)

Specialty Loan Servicing is my mortgage servicing company. They insist that my escrow account is negative over XXXX XXXX dollars from XXXX month to the other. Spent many hours with them over the phone trying to resolve this issue. Just received a notice of default/intent to foreclose letter in the mail, but I dont understand why I always make my payment on or before due date. I have prove of all my payments. Property taxes are being paid, home insurance is being paid. The most I could get out of them is an employee saying they paid an extra payment for 2013 property taxes but I have 20 year tax bill history saying all taxes have been paid before, and on time. I sent them a notice of error/ request for information letter. Waiting on response but am afraid of getting foreclosed on like the letter they sent me said.
Consumer complaint received 2023-02-01
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 (IL)

On XX/XX/XXXX, it was my intention to fully repay the balance on my Bank of America Credit Card account. I initiated an online payment to pay the balance in full, with a payment in the amount of {$3400.00}. I had some issue making that payment, so I was not sure if the transaction was completed. I did not see the transaction in the transaction history, so, I initiated it again. 

The next day, on XX/XX/XXXX, I saw that two debits in that amount had cleared my checking account. I proceeded to have one of the debits in my account returned so that the - {$3400.00} balance on my credit card would be XXXX 'd out. 

The following day, that was completed, but upon inquiry about the availability of funds, I was told that there would be a 10 day hold on my accocunt, despite the fact that the amount had cleared my checking account, and, I had NO history of late payments or returned checks on the account. NONE. 

I had multiple conversations and emails with Bank of America. I explained to them that I wanted the availability on my account so that I could use a promotional 0 % interest rate offer that was listed on my account. The promotion stated that the offer was good through XXXX XXXX  so, I gave up and figured I would have to wait the 10 days, which would get me the funds available around XXXX XXXX  well before the XX/XX/XXXX expiration of the offer. 

Well, it was a mistake to mention this, because despite the fact that the promotion stated I had until XXXX XXXX  when I signed in today ( XX/XX/ ) the promotional offer was rescinded. I am certain this was retaliation for my complaining about the TOTALLY unfair and unwarranted hold that was placed on my account. 

I attempted to get the offer reinstated, but Bank of America refused. 

I have been a banker for almost 40 years. I have excellent credit and income. I understand how payments are processed, and I know that ACH transactions CLEAR THE NEXT BUSINESS DAY. Bank of America demonstrated VERY poor customer service by not immediately reinstating my availability. I welcomed them to verify with my bank ( where I work ) that the payment had cleared, similar to how XXXX XXXX handles this. They refused. 

I decided to live with it, but now that they PUNISHED me be rescinding the promotional offer, that was good until XX/XX/XXXX, I feel the bank should be punished and formally reprimanded. And, the promotional offer should be reinstated.