davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-08
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: OneMain Finance Corporation (NM)

Unable to make full payment due on XX/XX/XXXX. Made half payment on XX/XX/XXXX after receiving and responding to a text message from One Main Financial on XX/XX/XXXX stating " OneMain : Would it help if you could make a one-time reduced payment of {$220.00}? You would resume XXXX r payments going forward and are still responsible for any other past due amounts. We're hereto wor k with you, so text me back or call XXXX for eligibility. '' Despite making partial payment, One Main Financial continue to place harassing phone calls to me up to XXXX times per day. I spoke to branch XXXX XXXX on XX/XX/XXXX who incorrectly said i was XXXX months late. I corrected her and advised i was only late XXXX a payment total for XXXX which she argued with me about and was adamant I was XXXX payments behind and then agreed and stated I was correct and was only XXXX payment behind. I advised I was in between jobs until XX/XX/XXXX and would not be able to pay until first check received. She then proceeds to ask when I can make the half payment I am late and she can't set up payment assistance as promised in text because I didn't have current pay stubs and I was only XXXX payment behind. She was very pushy and did not listen to me. I told her to move forward however she wanted since she wasn't listening to my situation and I was unable to pay XXXX payment at this time. Advised her to is she keeps calling multilple times per day and I would have to block their calls. I continue to receive multiple calls per day from One Main Financial from different numbers from their company.
Consumer complaint received 2023-03-07
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. (OH)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-03-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Makower Abbate Guerra Wegner Vollmer PLLC (MI)

I began a lawsuit against my HOA last year after they began collection activities in XXXX and placed a lien on my home. Starting last year, they began refusing payments made toward HOA assessments. Additionally, a non-attorney provided legal advice in her correspondence with me ( XXXX - XX/XX/XXXX ). 

Additionally, I disputed the initial letter they sent and they failed to identify the original creditor of XXXX of the fees. 

I am a " consumer '' under FDCPA. and I allege XXXX, retained by the Association to collect the debt, is a " debt collector '' under the FDCPA. I also allege that XXXX violated the provisions of the FDCPA by attempting to collect future costs that I do not owe. The debt I owe to the Association arises out of a transaction entered primarily for personal, family, or household purposes. 

The file named " XX/XX/XXXX '' was the initial collection letter and the letter named " XX/XX/XXXX '' was the follow up after I disputed. I've also included a copy of the letter accompanying the lien they placed, named " XX/XX/XXXX. '' Please note to whom they state to make my payment payable as XXXX Parkhomes. The {$150.00} Transfer Fee belongs to In XXXX XXXX as shown in Attachment A of the PDF named " Contract '' which is the agreement between XXXX XXXX and In XXXX. They waived this fee in the file named " XXXXXXXX XXXX XXXX XXXXXXXX. ''
Consumer complaint received 2022-05-25
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. (WI)

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

XXXX5 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 2023-03-08
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

In accordance with the fair credit reporting act XXXX XXXX XXXX has violated my rights 15 USC 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions This account is reporting that it is charged off at the same time it is reporting an increase in balance monthly this is illegal and violating my rights.
Consumer complaint received 2023-03-05
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: PENTAGON FEDERAL CREDIT UNION (LA)

12 Cfr 1002 12 Cfr 1002.7 15 USC 1681 15 USC 1611 15 USC 1692 15 USC 1691 Any more violations shall Be found and given to the fraudulent corporation " Penfed '' which denied my credit extension im confused I don't understand. I am the Original creditor it say 100 % for my account I need this for my family we need funds for transportation to work I'm worthy I have good intentions I come to you in good faith as always CFPB pleas help me my federally protected consumer rights are getting violated. 

XXXX credit for automobile loan Notice : The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age ( provided the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act
Consumer complaint received 2023-03-07
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Allied Collection Services, Inc. (Nevada) (CA)

I've written a dispute letter XX/XX/2023 No Knowledge of this account. This is fraudulent and someone has stolen my identity. This is the second time this has appeared on my report but with a different collection agency name. Allied Collection Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX In response to my letter I was sent patient information sheet on that sheet it clearly states responsible party 's name. 

on the service and installment contract the signature clearly states the responsible party name. 
My name nor signature is not on this account. 

I would like this matter resolved and removed off my credit report. This is not my account or legal matter. 
They will be hearing from my attorney to resolve this legal matter.
Consumer complaint received 2022-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Hi I am writing because I am seeing XXXX Accounts with # XXXX on my Experian credit report. I have requested for verification and validation and XXXX has someone else personal information, not mine. All XXXX  accounts are inaccurate and pursuant to 15 U.S.C 1681 and Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions15 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. For these mentioned reasons Experian is required to report 100 accurate information, because XXXX furnishes inaccurate information it must and should be removed.
Consumer complaint received 2023-03-08
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Capital Link Management, LLC (NC)

I keep getting text and phone calls from this company. I have blocked them and they use a different number the next day. This is what I am getting : Hello, this is our third attempt to locate XXXX, XXXX, If we do not hear from you or your legal representative before the end of business, this will be marked as a direct refusal. Please contact XXXX, at XXXX XXXX using file # XXXX, Thank you CLM If you wish to no longer receive text messages, please reply STOP.
Consumer complaint received 2023-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (WA)

On XX/XX/2022, my card was charged {$660.00} instead of {$65.00} when in XXXX. When I got back to America I disputed the charge on XX/XX/XXXX. They got back to me XX/XX/XXXX saying they were researching the dispute and on XX/XX/XXXX they confirmed the transaction was valid. I put in a dispute again the day after, and on XX/XX/XXXX they began researching again, and found the charges valid. On XX/XX/XXXX, I disputed again, told me they were researching XX/XX/XXXX, and confirmed they were valid XX/XX/XXXX. In XXXX I filed a dispute again, XXXX XXXX  XXXX they said they were researching, XX/XX/XXXX they said they believed my dispute, but too much time has passed so they couldnt give me my money back. 

The charge happened on XX/XX/2022 when I was in XXXX. I was at XXXX XXXX XXXX restaurant for lunch where my bill was XXXXXXXX EGP ( {$65.00} USD ). I handed the waiter my card and bill, he charged me XXXX EGP ( {$660.00} ). They then took my friends card and billed her the correct amount of {$65.00}. After many failed attempts with Chase Bank, I contacted the restaurant over XXXX XXXX in XXXX. They immediately replied and said they have the receipt right here, sent me the receipt, then sent me a bank statement. This bank statement was them transferring the XXXX EGP to a bank account under the name XXXX XXXX I am not him. 

I still have all the receipts and conversations with the restaurant if needed.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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



15 U.S.C 161 section 602 A. States I have the rights 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 instructions.
Consumer complaint received 2022-05-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting act XXXX  XXXX  # XXXX, XXXX XXXX, 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 an account without my written instructions
Consumer complaint received 2022-04-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (MD)

My original servicer was XXXX XXXX In XXXX of this year my servicer changed to Truist Bank. Truist has not had the correct balance of my mortgage. My mortgage balance with XXXX was lower by $ XXXX than it started with Truist. I have contacted Truist by phone several times over the past 5 weeks and I keep getting the run around. They will not get me a manager or anyone in charge, I get the customer service representative that states they have can not help and say someone will call me back. 
Truist Bank is not be a fiduciary of the money or trust I have given them.
Consumer complaint received 2018-10-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC. (CA)

Hello, I am a XXXX years old and retired, someone has been debiting my account for the last 16 or so months, I get automatic SSA direct deposit and have just found out " ALLY ALLY PAYMT XXXX XXXX XXXX XXXX '' has been debiting {$590.00} for the last 14 months. 


I have filed a police report with the XXXX XXXX County Sherrifs office # XXXX and have also filed a Federal Trade Commission theft report # XXXX. 
I am in contact with the Attorney Generals Office - XXXX XXXX to help in this matter. 

Also I have hired my son, XXXX XXXX XXXX on a retainer to oversee this in the event we have to file a lawsuit against Ally Financial for theft, also he will be sending Ally Financial a cease and desist letter on the charging of the account.
Consumer complaint received 2024-03-14
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 



15 U.S.C 161 section 602 A. States I have the rights 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 instructions.
Consumer complaint received 2023-03-07
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: Experian Information Solutions Inc. (GA)

On Friday, XX/XX/XXXX, I opened a dispute against the XXXX Department of Education because they sent a letter stating my student loans were XXXX. Yesterday, Monday, XX/XX/XXXX, I received an email from Experian that my dispute was verified, and the creditor verified the information as accurate. There is no absolute way that my dispute was verified over the weekend if it was filed after hours on a Friday. I also submitted proof ( a letter sent to me from the XXXX Department XXXX XXXX XXXX, and a representative from Experian stated that the letter was not used to verify my dispute. This confirms Experian is not lawfully verifying disputes and illegally denying claims.
Consumer complaint received 2023-03-07
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: Experian Information Solutions Inc. (TX)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TRUISTAUTO XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXF XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 XX/XX/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 XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-02-19
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MS)

I sent a payment in the amount of {$100.00} to XXXX XXXX, and it cleared my bank on XX/XX/2023 but was not credited properly to the account balance. The balance before I made " that payment '' was {$840.00}, and on top of that I Paid {$40.00} on the XXXX of XXXX, 2023. I called to speak to someone about it and all I got was rude representatives ( x3 ), one could not speak American English too well and the other two were just rude and not very customer friendly, so the communication ended without getting a resolution. There are two charges mad eon the XXXX and XXXX, but that was before I made the {$100.00} payment on the XXXX of XXXX, 2023 so my balance should be {$740.00} not {$840.00}. I could not discuss it with the reps cause they were not too customer friendly/oriented, etc. when I made the {$100.00} payment my balance was {$840.00} and that was " AFTER '' the charges made on XX/XX/XXXX and XXXX. I know American consumers have the right to discuss their account with financial institutions and have a right to be informed and their accounts be properly credited when payments are made outwith being treated with contempt and rudeness by the financial institutions agents ... ......
Consumer complaint received 2023-10-31
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. (AZ)

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 15USC 1681. 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 inructions 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 2023-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NY)

I have filed a complaint with Wells Fargo. Case number : XXXX and XXXX Account ending number : XXXX Consumer Financial Protection Bureau, case numbers : XXXX and XXXX Wells Fargo XXXX 's response was : " The check may have been cashed at XXXX XXXX, but the check was processed at XXXX XXXX on XX/XX/XXXX I have attached an image of the check processed at XXXX XXXX for your records. 
I am now asking Wells Fargo to : Verify that XXXX XXXX XXXXXXXX XXXX deposits the {$25.00} check into the XXXX XXXX XXXXXXXX XXXX  weitong account. 
What I can provide is the statement of the account of XX/XX/ XXXX XXXX XXXX XXXX weitong. It turns out that the check was not deposited.
Consumer complaint received 2023-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

This is a dispute over whether I had charged at least {$20000.00} to my CapOne credit card within one year from date of opening ( XXXX XXXX ), in which case their promotion promised me XXXX reward points. CapOne has previously given me XXXX points when I achieved a lower level of spend, leaving XXXX points in dispute. 

CapOne has written me that my total charges within the year were only {$17000.00}, short of the required {$20000.00} spend. By my note dated XXXX XXXX XXXX, I responded enclosing copies of the relevant billing statements as follows : XXXX XXXX XXXX  {$1800.00} ; XX/XX/XXXXXXXX XXXX XXXX {$4600.00} ; XXXX XXXX XXXX, {$5200.00} ; XX/XX/XXXX, {$1500.00} ; XX/XX/XXXX, {$250.00} ; XXXX XXXX XXXX {$1700.00} ; XXXX XXXX XXXX  {$3500.00}, and XXXX XXXX XXXX {$2400.00}, equals a total of {$21000.00} within the year. I asked that if their record was inconsistent with my own, that they provide a month-to-month breakdown as they believed it to be, but they have ignored my letter and have refused to engage with me as to the discrepancy. At this point, thats all that I ask them to do.