davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I am XXXX XXXX and my XXXX had begun to fall off and when my XXXX falls off, I dont get paid, and when I dont get paid, I cant pay my bills. I have stayed in contact with Kohls Credit Center and requested numerous times for assistance and was denied that help now that the Coronavirus has hit and is affecting my business, I decided on XX/XX/XXXX to make another stab at it and contact them once again. I informed the representative the problem and the only response that I could get was that in order to assist me i would have to pay the past due in full and then they could help me with the past due being XXXX, I explained that if I had the XXXX I would not need the assistance and now that the county was in a Global Emergency all credit card companies were supposed to lower the interest rates, and work with customers any way possible, anything to assist them in bringing their accounts current, skipping a payment due, lowering the payments and many other suggestions have been on the news. However They did not offer me anything and I told them what I could pay and the rep stated that they would continue to contact me in order to collect the debt. I have fully told them on numerous occasions I knew I owed it and have had the credit line since XXXX, never asked for assistance before now usually if I missed a payment I payed double the next time around but this time I have not had much luck with them and I have other creditors but Kohls is the only ones so far that would not agree to work with me. Furthermore, unbeknownst to me I was not told that day that the account has already been closed and was not offered any assistance with the closure other than the same thing and I told them that they would get what they get because now that we are in a national emergency. The next thing I knew is I get my monthly statement stating my account has been closed and the past due was / is due immediately and then I got a letter in addition to the statement demanding the past due of XXXX within 30 days and if not paid the whole balance could be called due and payable then. We are in a global state of emergency and it is awful that the news stations and internet news advises a person to contact their creditor but what do you do when the creditor refuses to work with the customer regardless of any past due situations and I also understood that no accounts were to be closed either. I have attached both the letter and statement for your reords
Consumer complaint received 2020-03-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

There is a collection account on my credit report from Resurgent/ LVNV Funding in the amount of {$460.00}, this account shows it was open in XX/XX/2017. I have disputed this account several times with certified letters explaining that I have no knowledge of this account nor any other business with the original creditor XXXX XXXX. Ive called several times to dispute Ive also sent certified letters to each of the bureaus with no response in regards to this fraudulent account getting resolved please help to have this Fraudulent collection account removed from my credit report, Thank you.
Consumer complaint received 2022-12-28
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: EQUIFAX, INC. (TX)

I have ONE hard inquiry on my Equifax report and I do NOT recognize this. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I need it removed immediately. I might be a victim of identity theft or fraud. Please help resolve this issue as soon as possible.
Consumer complaint received 2020-04-16
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. (GA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX & XX/XX/2020 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 checked 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 2020-03-23
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: Nationwide TFS, LLC (IN)

I requested on XX/XX/XXXX, based on the corona virus epidemic, that this company allow me to pay my debt to them electronically as opposed to sending cash via XXXX which requires me to physically go to a banking location, withdraw funds, and then take those funds to a XXXX location to send my payment thus exposing me multiple times to potential illness. The last time a payment to them was returned was in XXXX of XXXX. Since then my account has never had another issue. My bank provided a letter to them stating my account was open and in good standing, however the company continues to deny me any other option for payment.
Consumer complaint received 2020-04-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (RI)

In XX/XX/XXXX, while trying to set up a utility bill I was informed of fraud security was in place due to a fraud alert and data breach. Ive been examining my credit reports prior to filing an identity theft affidavit to police and on XX/XX/XXXX I called LVN funding to request proof of debt. I explained my issue and said I was in the process of filing with police. They instructed me not to do that and then informed me I have a judgment filed with XXXX, XXXX and XXXX. After calling the law firm I was extremely confused to be told they served my mother by constable and she signed. I looked up my name on R.I.gov  and u saw the date passed already and they were awarded a default judgment. XXXX, XXXX and XXXX told me they served my mother and she signed. but thats true because my mother works during the day and would have informed if she was served on my behalf. She confirmed she was not ever served, never signed and most likely wouldnt have opened the door if they did come. She would testify to that. I called XXXX back today and explained to them they didnt serve my mother and this debt is not valid. They told me its my responsibility and to figure it out. I am judgement proof a thus time and supporting my XXXX daughters alone. Im w victim of XXXX and lived in a XXXX XXXX shelter when they claim I was served at my address. For the last 48 hours Ive been educating myself on R.I. Debt collection laws, Fair debt collection practices, consumer rights and statue of limitations and LVN Funding LLC. Ive learned is this company is notorious for obtaining unlawful judgments by using methods that violate the FDCPA, FCRA protection laws. Theyve used false and deceptive means by failing to register with the state of R.I. as a debt collector. Theyre filing unfair and unconscious-able claims in Rhode Island that are time barred by Virginias limitations. They never responded to dispute by providing proof and they filed an illegal lawsuit against me knowing judgement would be defaulted. According to R.I. island debt collection law the defendant must be served in person without exception and that didnt happen. Im filing complaints against LVN Funding c/o Resurgent Capital Services to the RI AG Consumer Financial Protection Bureau, Federal Trade commission and XXXX. Id like to include XXXX XXXX for an additional collection for XXXX XXXX, but they have no yet filed a lawsuit. I want to file a counter suit against LVN funding and a file a suit against XXXX, XXXX and XXXX for violation of R.I. Debt collection Laws by not properly serving me legal court documents and using false documents to default judgment against me when I am legally judgment proof
Consumer complaint received 2020-04-02
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Tesla, Inc. (CA)

My wife and I are currently in the end stages of refinancing our home. Escrow has noticed us that Tesla, the company that holds our Solar Lease, is now requiring a {$150.00} price processing fee before they provide a UCC release. This is not the first time weve refinanced having these solar panels, but it is the first time Ive heard of this type of processing being demanded which if not provided will result in the refinance not being completed. I believe the CFPB should look into this type of price gouging for a document that should be provided as a regular part of business.
Consumer complaint received 2022-08-17
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. (IL)

XXXX XXXX XXXX HAS VIOLATED THE No Surprises Act. 
Beginning XX/XX/2022, if youre uninsured or dont plan to submit your claim to your health plan, health care providers and facilities must provide you with a good faith estimate of expected charges before you get an item or service. The good faith estimate isnt a bill. I was never given a Good faith estimate or a bill for my services. This account has to be removed according to Law.
Consumer complaint received 2023-02-06
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. (KS)

I went to a car dealership and they said they would only run my credit once and they shopped it to multiple agencies. 

I also think i'm a victim of identity theft as i do not recognize these accounts listed in the FTC report that i have attached below. 

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

The credit reporting agencies are govern by 15 USC 1681, and they violated my rights numerous times. I demand the accounts listed below to be removed because According to 15 USC 1681 : I have the right to privacy and I did not give the credit reporting agencies written permission to furnish these accounts
Consumer complaint received 2020-03-23
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

Customers who pay for unlimited mobile data have a right to expect to get ... Then when I try to call I'm told I have very little time or a XXXX balance. ... I was a costumer with XXXX XXXX XXXX and out of 12 Billing Cicely 11 where wrong. 

XXXX  trade in XXXX XXXX incorrectly charged 2,000 customers for exceeding data cap btw that was from FTC i filed also
Consumer complaint received 2020-04-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PROVIDENT FUNDING ASSOCIATES (CA)

1. At XX/XX/XXXX, I submitted a refinance application to Provident Funding. 

2. At XX/XX/XXXX, the loan officer requested a list of documents, for which I had few questions. I called the officer and assistant and left a message on XX/XX/XXXX. No answer on phone. 

3. At XX/XX/XXXX, I emailed the assistant to schedule a call at XXXX XXXX. Never heard back, nor did I receive an response from email. 

4. At XX/XX/XXXX, I received an email from the assistant asking if I'm stilled interested. He mentioned they are in a very high volume period and if I'm not I should withdraw. I asked him to call me tomorrow to discuss. Again no response, phone call or email. 

6. I called couple of times again at XX/XX/XXXX, no answer. I called customer service instead to let them reach out to the assistant. 

7. At the last day of my interest lock period, XX/XX/XXXX, XXXX told me that my application was canceled because I didn't respond to their call. I looked at my contact history, and I told them that i didn't receive any phone call from the number I contact before or the number they listed on website. Then they said they can't left an VM since my VM box is not activated. This is the first time they mention that issue. 

On XX/XX/XXXX, I received an letter saying my application was canceled since I withdraw ed. That's a false representation as I never did that, which is also an illegal conduct. In fact, I think the lender is deliberately making it difficult for me to move forward and encourage me to withdraw my application. That's unethical.
Consumer complaint received 2020-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (IL)

America express business platinum card shut my account down. For point fraud claiming we used our points in a way that abused their policy. They would not tell me anything about what the alleged abuse We have NEVER done anything like that. That makes me even more concerned that there was fraud potentially on my account and instead of confirming its usage with me like any other company would when fraud is noticed. they indiscriminately shut my business card down. 
That card is used to help pay vendors in my XXXX XXXX. The most vulnerable population during COVID 19 pandemic. Putting me in a cash flow crunch  causing me to risk choosing between exorbitant PPE pricing, and payroll for my over 300 employees. The  hindrance to my XXXX  XXXX  I XXXX  for is absolutely sad! They a credit card are shutting down credit over a point issue that could possibly be cyber security breach that they are covering up!
Consumer complaint received 2020-03-23
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

Customers who pay for unlimited mobile data have a right to expect to get ... Then when I try to call I'm told I have very little time or a XXXX balance. ... I was a costumer with XXXX XXXX XXXX and out of 12 Billing Cicely 11 where wrong. 

XXXX  trade in XXXX XXXX incorrectly charged 2,000 customers for exceeding data cap btw that was from FTC i filed also
Consumer complaint received 2020-03-23
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. (GA)

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX  to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXXXXXX XXXX {$650.00} XXXX  XXXX XXXX XXXX {$150.00} XXXX   XXXX  XXXX XXXX {$1100.00} XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX XXXX XXXX {$900.00} XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX {$20000.00} XXXX  XXXX XXXX {$0.00} XXXX XXXX XXXX {$650.00}
Consumer complaint received 2021-03-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (SC)

I deposit a check at BB & T Bank on XX/XX/2021. They advise me that the funds would be available on XX/XX/2021 because its was a seven day hold. On the XX/XX/2021 after I deposit the check I was advise that my account will be close due to fraudulently activity. In funds will be available on the XXXX and I have 10 business days to withdraw funds or they will mail me a check. Went BB & t on the XXXX was advise that cant receive funds because it wasn't collect from the bank check was draw under. I waited the proper time frame now they telling me I need to wait addition three business days. They advise me that one individual is in control of me receiving me funds and I have to wait. Just don't understand if I waited the proper time frame. Contact that party that issue me the check and they advise me that the check was cash. Its a inconvenience at this point my bills is due we in the middle of an pandemic and I need my funds.
Consumer complaint received 2020-04-02
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. (FL)

To whom it may concern ; I decided to check my credit, and I notice some fraudulent Accounts on my Credit that I did not Authorize. I also Notice that theses are open accounts using my Identity. I had no Knowledge of these Accounts. please close theses Accounts and Remove Them from my credit. this is very stressful and beyond Disbelief. I cant believe that I am a Victim of Identify Theft.
Consumer complaint received 2022-12-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (CA)

I have submitted my XXXX XXXX XXXX XXXX application on XX/XX/2022 to Mohela ( who is my servicer for my loan ) and it says it is processed but I don't see or hear any actions that are taking place on my account. I have tried to contact them but they don't respond. Could you please help me get my XXXX application processed. Thank you.
Consumer complaint received 2020-04-02
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. (FL)

To whom it may concern ; I decided to check my credit, and I notice some fraudulent Accounts on my Credit that I did not Authorize. I also Notice that theses are open accounts using my Identity. I had no Knowledge of these Accounts. please close theses Accounts and Remove Them from my credit. this is very stressful and beyond Disbelief. I cant believe that I am a Victim of Identify Theft.
Consumer complaint received 2020-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

Ive tried on several occasions to dispute the below on my experian file. I keep getting a message that reads my request cant be processed online. 

Pls remove the below as they have no association with me and should not be on my credit report. This is considered fraud if any of the below are associated with my file. Pls remove immediately. 
Name : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX CT XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2020-03-23
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)

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify. if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday and social security number was used to open accounts that are not mine. Please remove these items from my report. 

XXXX  XXXX {$670.00} XXXX/XXXX  XXXX {$810.00} XXXX   XXXX {$10000.00} XXXX/XXXX  XXXX {$610.00} XXXX  XXXX {$16000.00} XXXX  XXXX  XXXX {$0.00} XXXX/XXXX XXXX {$1500.00} XXXX  XXXX {$890.00} XXXX  XXXX  XXXX {$770.00} XXXX/XXXX  XXXX {$1300.00} XXXX XXXX XXXX {$960.00} XXXX/XXXX XXXX XXXX   XXXX {$1400.00} XXXX/XXXX  XXXX {$4000.00} XXXX/XXXX   XXXX {$2000.00}
Consumer complaint received 2020-03-23
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. (NC)

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify. if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday and social security number was used to open accounts that are not mine. Please remove these items from my report. 

XXXX  XXXX {$670.00} XXXX/XXXX XXXX {$810.00} XXXX   XXXX {$10000.00} XXXX/XXXX  XXXX {$610.00} XXXX XXXX {$16000.00} XXXX XXXX XXXX {$0.00} XXXX/XXXX  XXXX {$1500.00} XXXX  XXXX {$890.00} XXXX XXXX XXXX {$770.00} XXXX/XXXX XXXX {$1300.00} XXXX XXXX XXXX {$960.00} XXXX/XXXX XXXX XXXX XXXX {$1400.00} XXXX/XXXX XXXX {$4000.00} XXXX/XXXX   XXXX {$2000.00}
Consumer complaint received 2020-03-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I have already been going through a XXXX XXXX circus with Bank of America over an account I had ending in # XXXX. I tried to close the account but due to a bank error, my rent for XXXX was rejected and the property manager charged me almost {$150.00} in additional fees. To the credit of a local manager out of the XXXX, TN, location named XXXX XXXX, they actually were able to get those fees refunded. But a couple days after that was done another {$100.00} disappeared out of my account for some XXXX XXXX transaction sent to a " XXXX '', and I had no idea what is was for. Turns out the other person on the account I was trying to XXXX close decided to steal {$100.00} from me once she found the money was back in the account. I was told they would reverse the transaction but this never happened and I must have resolution. I have been trying to call BOA and XXXX and its like pulling teeth and hair at the same time to get any help. I bounce from one XXXX to another and no one can help me. I am either hung up on and have to call back and when I finally reached someone I was told " there is nothing they can do because the account is closed. '' REALLY? The entire reason I am still doing this XXXX is because of a bank error ; if the problem had not occurred with my rent NONE OF THIS WOULD HAVE EVER HAPPENED because the account would have been closed .... 
I need my XXXX money back and the person prosecuted for this crime.