davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (ME)

I am writing this complaint in regards to my Capital One Platinum Mastercard. 

I have been a customer of Capital One for nearly 7 years and I have NEVER been late nor missed a payment. I have made at least the minimum payment in every billing cycle and often times I paid more. 

I recently completed a balance transfer TO my Capital One account in hopes of being able to get a fair rate and/or offer since I have been offered them numerous times prior to the current financial situation. 

I have a {$6900.00} balance with Capital One as a result of that transfer and my credit limit is {$7000.00}. I am on XXXX as my sole source of income and I make just over {$1200.00} a month which I use to pay rent, utilities, medical and grocery. I also use about {$300.00} of that total for credit card debt. I currently have 9 credit cards and I have a high balance on two of them ( including Capital One ). 

I have worked VERY hard to obtain good credit and in hopes of avoiding any damage to my credit report I contacted Capital One in XX/XX/2020to negotiate a lower rate than the 20.4 % they were currently charging. With the balance that high and the interest that high my interest alone would be twice the minimum payment with the minimum payment at this time being {$69.00}. 

The person I spoke with at Capital One was working from home ( thats what I was told by the CS rep ) and stated that she tried to see if I had any offers on my account or if there was any lower interest offers or upgrades and she said she could not find any. I explained my situation to her and she pretty much just blew me off. 

I'll be able to make my next minimum payment but the interest will still eat up ALL of it and then some. Unless Capital One comes down from their " Tower of Greed '' and is willing to work with me in a fair and mutually beneficial way I will have no choice but to let the account become past due and charged off.
Consumer complaint received 2020-04-01
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including several bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX {$4300.00} XXXX  XXXX   XXXX {$2600.00} XXXX  XXXX XXXX {$780.00} XXXX XXXX XXXX {$120000.00} XXXX XXXXXXXX   XXXX {$120000.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}
Consumer complaint received 2020-03-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LCO Financial Services, LLC (FL)

Dear Lender, It has come to my attention that payday lenders must be licensed by the state of Florida in order to offer loans to its residents. Since your company has no license in my state, the loan contract I have with you is not valid. Under Florida statutes, usury is defined as the charging ( whether paid or not ) of interest that exceeds 18 percent on loans, lines of credit, advances of money or any obligation of amounts up to {$500000.00}, and that exceeds 25 percent for transactions involving amounts totaling more than {$500000.00}. 

Although I am not legally required to do so, I am willing to repay the principal balance of this loan.

To date, I received a deposit of {$750.00}, and have had 16 bi-weekly withdrawals of {$170.00} debited from my account. This results in a principal balance of {$2700.00}. This results in an overpayment of {$2000.00}. 

At this time I am requesting a return email acknowledging that my loan has been paid in full. Also, I would like a refund of the {$220.00} overpayment. A refund check of {$2000.00} should be mailed to me at the address you have on file. 

I hereby revoke any and all ACH authorizations with your company from debiting any of my personal accounts, per Federal law, Regulation E Section 205.10 Pre-authorized transfers. I revoke any and all wage assignments I may or may not have signed with your company, I no longer authorize you, your company, or your affiliates to attach any part of my wages or contact my employer for your collection purposes. I have notified my employer about this matter so any attempts to do so on your part will be rejected.

I demand that any contact be made through email only. I will need everything in writing to keep accurate records of all communication as per instruction from my Attorney General 's Office. I prohibit you or your affiliates to contact me via telephone at my place of employment or my home telephone number. I also prohibit you from calling my references listed on my loan.

I must also inform you that I will be filing complaints with the XXXX XXXX, the Federal Trade Commission, and Floridas Attorney General 's Office. 

I expect a response from your company no later than 5 days from the above date regarding this matter. This response may only come via US Postal mail or email. No telephone contact is permitted. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re :  Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF EDXXXX US DEPT VETS DEPTEDXXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF EDXXXX US DEPT VETS DEPTEDXXXX XXXX  XXXX XXXX XXXX XXXX. XXXX   XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX US DEPT VETS DEPTEDXXXX
Consumer complaint received 2020-03-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Big Picture Loans, LLC (FL)

Dear Lender, It has come to my attention that payday lenders must be licensed by the state of Florida in order to offer loans to its residents. Since your company has no license in my state, the loan contract I have with you is not valid. Under Florida statutes, usury is defined as the charging ( whether paid or not ) of interest that exceeds 18 percent on loans, lines of credit, advances of money or any obligation of amounts up to {$500000.00}, and that exceeds 25 percent for transactions involving amounts totaling more than {$500000.00}. 
Although I am not legally required to do so, I am willing to repay the principal balance of this loan. 

To date, I received a deposit of {$1100.00}, and have had 9 bi-weekly withdrawals of {$150.00} debited from my account. This results in a principal balance of {$1300.00}. This results in an overpayment of {$290.00}. 

At this time I am requesting a return email acknowledging that my loan has been paid in full. Also, I would like a refund of the {$290.00} overpayment. A refund check of {$290.00} should be mailed to me at the address you have on file. 

I hereby revoke any and all ACH authorizations with your company from debiting any of my personal accounts, per Federal law, Regulation E Section 205.10 Pre-authorized transfers. I revoke any and all wage assignments I may or may not have signed with your company, I no longer authorize you, your company, or your affiliates to attach any part of my wages or contact my employer for your collection purposes. I have notified my employer about this matter so any attempts to do so on your part will be rejected. 

I demand that any contact be made through email only. I will need everything in writing to keep accurate records of all communication as per instruction from my Attorney General 's Office. I prohibit you or your affiliates to contact me via telephone at my place of employment or my home telephone number. I also prohibit you from calling my references listed on my loan. 

I must also inform you that I will be filing complaints with the XXXX XXXX XXXX, the Federal Trade Commission, and Floridas Attorney General 's Office. 

I expect a response from your company no later than 5 days from the above date regarding this matter. This response may only come via US Postal mail or email. No telephone contact is permitted. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-03-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (WI)

NewRez is reporting a late mortgage payment during the 60-day time period after XX/XX/XXXX notification of Loan servicing was transferring from XXXX to NewRez. XX/XX/XXXX mortgage payment was made to XXXX on XX/XX/XXXX within grace period. After discovering payment was returned, we immediately made the payment to NewRez for XX/XX/XXXX and XX/XX/XXXX and future payments have been on time Subsequently, NewRez has denied my request for removal of escrow and reported a 30-day late payment to credit bureaus for me and my co-borrower, XXXX XXXX due to this matter.
Consumer complaint received 2022-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX has put a missed payment on my credit reports. I was never billed for anything and I have a XXXX balance on both of my accounts with them. My authorized user had her card stolen/lost in XX/XX/2022. We filed a police report and notified XXXX XXXX. New cards were issued. I have had a ZERO balance on both accounts and paid the annual fee in XX/XX/2022 ( {$39.00} ). I don't even use these cards. They are old and help my credit " age ''. I've never really had any problems with XXXX XXXX- until now. 
Six months later, they are saying I have a " missed payment '' ( that was never due and never ever appeared for me to pay! ). They dinged my credit reports on XXXX and it tanked my credit. I am furious. I don't even know what this charge is and it hit my reports. Why?? Did they not close out my account correctly and those are fees or fraud from that stolen/lost card? This needs fixed. Extremely shoddy business practices. Ruining credit for NO REASON. OUTRAGEOUS.
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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WI)

I have sent several disputes to all 3 credit bureaus regarding the Following Accounts, Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$850.00} and they are not following any CFPB rules or any federal laws regarding my demands. I also stated in a previous dispute that In accordance with the Fair Credit Reporting act. The list of accounts above has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. XXXX Accounts above 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. 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 the information is inaccurate
Consumer complaint received 2022-12-31
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. (MO)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX U.S.C XXXX SECTION XXXX A. STATES I HAVE THE RIGHT TO PRIVACY. 

XXXX XXXX XXXX SECTION XXXX SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2020-03-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Applied Data Finance, LLC (FL)

Dear Lender, It has come to my attention that payday lenders must be licensed by the state of Florida in order to offer loans to its residents. Since your company has no license in my state, the loan contract I have with you is not valid. Although I am not legally required to do so, I am willing to repay the principal balance of this loan. To date, I received a deposit of {$1000.00} on XX/XX/2019, and have had XXXX bi-weekly withdrawals of {$40.00} debited from my account. This results in a principal balance due of {$330.00}. 

I am willing to repay the {$330.00} balance via credit card in 10 monthly installments of {$32.00} each on the last Friday of each month. 

At this time I am revoking ACH authorization. You are no longer authorized to withdraw payments from my checking account. I am also revoking any wage assignment I may have signed. I have given a copy of these revocations to both my bank and my employer. Any future attempts to collect funds in this manner will be blocked. 

Please contact me to set up payment arrangements as outlined above.
Consumer complaint received 2020-03-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Opportunity Financial, LLC (FL)

Dear Lender, It has come to my attention that lenders must be licensed by the state of Florida in order to offer loans to its residents. Since your company has no license in my state, the loan contract I have with you is not valid. Further the laws governing usury in my state are as follows : Under Florida statutes, usury is defined as the charging ( whether paid or not ) of interest that exceeds 18 percent on loans, lines of credit, advances of money or any obligation of amounts up to {$500000.00}, and that exceeds 25 percent for transactions involving amounts totaling more than {$500000.00}. 

Your interest rates far exceed the upper limits of the statute. 

Although I am not legally required to do so, I am willing to repay the principal balance of this loan. To date, I received a deposit of {$1400.00} on XX/XX/2019, and have had bi-weekly withdrawals of {$120.00} debited from my account. This results in a principal balance due of {$1400.00}. Which is an overpayment of {$97.00}. 

I am also revoking authorization for ACH withdrawals and any wage assignment I may have signed. I have given a copy of these revocations to both my bank and my employer. Any future attempts to collect funds in this manner will be blocked. 
Please respond to this email with acknowledgment that my account has been satisfied in full. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-05-06
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: Experian Information Solutions Inc. (MI)

I sent of letter of dispute asking about proof of a debt and a contract with both party signatures. they sold the debt to an debt collector name XXXX XXXX XXXX still harass me even though they have ignored my dispute. both them and XXXX XXXX XXXX
Consumer complaint received 2020-04-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: REGIONS FINANCIAL CORPORATION (NC)

In XXXX of 2018, someone used my personal information and opened up two accounts with Regions Bank, one checking account and one credit card. I resolved this with Regions Bank at the time and have a letter from them confirming that I do not owe them anything and the accounts were found to be fraudulent. Now, a year later, I am getting calls from a collections agency called XXXX XXXX saying I owe them for an unpaid debt from Regions. I have tried to resolve this with the collections agency by letting them know this was already taken care of with Regions, but they said I need to deal with Regions to get the account closed. When I called Regions Bank, they transferred me to several different departments before finally saying this could only be resolved with the collections agency. I attempted to contact the collections agency again, and I can not get through to a representative. I am getting the runaround from these two companies, making it impossible to resolve a situation I believed was resolved a year ago.
Consumer complaint received 2020-03-22
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (WA)

A purchase was made at Macy 's for {$56.00} on XX/XX/2019. An online payment was made when the statement was received in XXXX, XXXX. When I had not seen the payment clear my bank, I called and was told no payment had been received. The online payment did not go through. I made a payment of {$560.00} on XXXX XXXX and was told the late fee would be dropped. The account given to the customer service evidently was missing the final number. The representative did not realize there were only 9 digits instead of 10. The bank of course could not process it. A {$27.00} returned check fee was added then when I called explained the fee was removed on XX/XX/2019. I paid for the original purchase of {$56.00} and the late fee and returned check fee were removed from my account by Macy 's. I then received a statement for {$31.00} when I should have had a XXXX  balance if all the charges they said they would remove were removed. 
I contacted Macy 's credit office and was told the charges would be removed. I continued to get statements with penalty and interested added. I continued to contact the credit office and was told again and again it would be removed. 

I finally contacted the central office and explained the list of promises not kept and that I owed Macy 's nothing. 
XXXX XXXX refused to accept the fact that I was promised by Macy staff that those charges would be removed. I now have a bill for {$230.00} for late fees and interest when an honest mistake of leaving off one number on my checking account was made and the costumer service representative consistently assured me the fees would be removed. For an honest mistake and the unkept promises of Macy customer representatives a XXXX  balance has now grown into a statement of {$230.00}.