davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY (GA)

XXXX XXXX attempted to collect a debt that I allegedly owe. In doing that, XXXX XXXX violated several of my federal rights as a consumer. They have diminished my character and affected my ability to obtain credit as well as violating my privacy pursuant to 15 USC 1692b ( 2 ), 15 USC 1692b ( 5 ), and 15 USC 1681a ( 4 ).
Consumer complaint received 2018-06-29
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: CAPITAL ONE FINANCIAL CORPORATION (MN)

I set up auto pay for {$75.00} payments each month which covered the minimum payment due on online banking on the Capitol Ones website and the minimum payment went up and it didnt adjust the payment to cover the minimum payment due, so for three months I didnt catch it because I had went to paperless statements. During those months ( XX/XX/XXXX-XX/XX/XXXX) I couldnt not log into my account because of a security breach, is what I was told. When I contacted the company just recently the week of XX/XX/XXXXand requested they reverse the honest oversight for a customer of 15 years who has never missed a payment they simply denied my request. I then had an executive representative do a review of the situation and they still denied me.
Consumer complaint received 2021-07-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: KEYCORP (PA)

received several text alerts about fraud that was trying to be done in mY account. And I followed the steps that I usually do when that happens. I then received a call from a XXXX  XXXX XXXX employee who was in fact a fraudster. He went through all the proper steps that employees go through when verifying an account. After we verified everything I was scammed out of {$1400.00} and it was zelled to another bank. I called filed a claim reached out to XXXX  XXXX XXXX & they denied the claim, said I should reach out to the scamming bank to try and resolve anything. When I reached out to that bank ( Key Bank ) they would not help me in giving me any information and told me to go back to my bank. But Im the victim of fraud and they are protecting their client that steals?!? How can the company, XXXX, and XXXX  XXXX XXXX & Key Bank no one help me. I have been scammed out of {$1400.00} and NO ONE a can give me answers. I have spoken to my local police department and it seems so hopeless. In speaking to my bank they said this is a big issue with fraudsters impersonating every step of their security protocols. BUT how are consumers suppose to know whats real and what not if the very protocols put in place to secure us are in fact not secure?
Consumer complaint received 2018-06-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (PA)

I bought an XXXX  and data service on XX/XX/2017 from XXXX XXXX XXXX store located in XXXX XXXX ( XXXX XXXX XXXX XXXX - XXXX XXXXXXXX, XXXX XXXX, XXXX  XXXX ) On XX/XX/2017, I took the XXXX back to an XXXX XXXX XXXX store near my house for return ( XXXX XXXX XXXX, XXXX, XXXX  XXXX ). They said, since I bought the XXXX in XXXX XXXX, I will have to take it to the same store for return. I explained today is the last day for return for which the attendant said she'll make a note on my account saying I visited an XXXX XXXX XXXX store within 14 days for return eligibility. 

Next day, I took the XXXX  back to the XXXX XXXX XXXX store at XXXX XXXX for return. I explained them the situation and said I am willing buy this XXXX for full price if the return is not allowed. They said its ok to return and took my XXXX  after charging a restocking fee of {$45.00} ( I still have this receipt where there is a line item for cancellation of installment plan ). 

I started getting calls from a collection agency saying I owe XXXX XXXX XXXX {$740.00}. I told them I don't have the XXXX anymore and how can they ask me to pay for an XXXX  they already took from me. 

I went back to the XXXX XXXX XXXX store located in XXXX XXXX ( XXXX XXXX XXXX XXXX - XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX ) and asked them why they are asking money for XXXX  that I already returned. The person in the store called XXXX XXXX XXXX customer care while I was there, spoke for an hour and said its fixed and I don't owe money to XXXX XXXX XXXX. 

After 3-4 months I again started getting calls from another collection agency for the same amout ( DIVERSIFIED CONSULTNTS XXXX XXXX XXXX XXXX XXXXXXXX, XXXX  XXXX ). I explained to them the entire story. However now I have a collection record in my credit report. 

I have attached both the receipts from XXXX XXXX XXXX ( 1 for the initial sale and 1 for the return )
Consumer complaint received 2021-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DC)

I filed for this problem against XXXX  but now I see that its on equifax and XXXX. On XX/XX/XXXX during a doctors visit for my eyes was declared XXXX  XXXX. I was told by the eye doctor I could XXXX XXXX anymore. Having a car still under finance by XXXX XXXX credit. What am I supposed to do. I reached out and contacted XXXX XXXX credit and informed them I was not allowed XXXX XXXX anymore. XXXX motor credit advised me I could do a self surrender of my car to XXXX XXXX credit. And they would take the car to auction and sell it. If the car sold for more than my loan. XXXX XXXX XXXX would pay the loan off and give me the difference. If the car sold for less thanwhat was owed on the loan I would have to pay the difference. I washed waxed and clean my car and set it back to factory specs. Also to make sure my car was safe and not ticketed or towed by the city government I had my car taken to my cousins house where it could sit in the driveway for the tow truck driver to pick it up. I called XXXX motor credit gave them my cousins address and my cousins husband had the keys for the tow truck driver. I called XXXX credit several times to make sure they got the car. The car was picked by by XXXX and sold at auction. The loan was paid off and the difference sent to me. So I would like to know where XXXX, Equifax, and XXXX  get off liking and calling the car a repossession. How is a car repossessed when I called XXXX XXXX XXXX and agreed to surrender it so it could be sold to pay it off. I XXXX XXXX anymore because Im XXXX  XXXX. I called XXXX motor credit XX/XX/XXXX to confirm it was a surrender. XXXX credit said yes it was a self surrender and if it was called a repossession the credit beurea did it not them. XXXX motor credit is sending me the paperwork they have saying self surrender. So the credit agency made this up. At no time was the car set for repossession. But the credit agencies decided to damage my credit for 4 years by making this assessment on their own. They were not on the phone with me nor XXXX motor credit. And frankly its discrimination against a XXXX person. I dont have the means to even pass the eye test XXXX XXXX. But the credit agency wants to list my car as a repossession. From here Im reaching out to the national foundation for the XXXX XXXX department. Because this is discrimination. Its my fault because Im physically not able XXXX XXXX anymore. So if get XXXX  thats my fault too?
Consumer complaint received 2018-06-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (MA)

My husband was out of work for over 18 months. We fell behind on the mortgage by a few months. The bank told us we could make partial payments which we did but they did not tell us the funds would not be applied to the mortgage until a full payment was received. My husband started work XX/XX/XXXX. We fell over 120 days ( since they were not applying funds ) Now they will not accept payment, our credit is plummeting and the debt mounting. We have applied for modification 3 times starting in XX/XX/XXXX.  Chase has consistently made errors on the application, not returned phone calls, is vague when answering questions, difficult to reach and only offers 2 solutions -- foreclosure or short sale. Chase 's latest letter XX/XX/XXXX does not even give a reason for the denial of a request for mortgage assistance. Chase did not include my income on the application even though they had my pay stubs. Chase also has our net income at XXXX cents a month. When we questioned this, Chase told us that it did not matter.???? What is going on??? Chase has been incompetent in handling this application and has made a difficult situation worse. We can now afford to pay the mortgage and what should have been an easy solution has now become a mountain.
Consumer complaint received 2024-01-30
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. (AL)

There are several accounts that need to be deleted off my account that are reported incorrectly and have the wrong information. 

15 US Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that a consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S Code 1681b - Permissible purposes of consumer ( a ) IN GENERAL, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. I NEVER gave any consumer reporting agency my WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer.
Consumer complaint received 2024-03-25
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. (SC)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX - XXXXXXXX XXXX XXXX - XXXX Conserve - XXXXXXXX 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 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 XXXX 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 2021-07-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (FL)

On XX/XX/2021 I received a summons to appear in court for an alleged credit card debt from Midland Credit Management. I was later visited by the city police XX/XX/2021 regarding the original summons I received on XX/XX/2021 from Attorney XXXX XXXX, XXXX. From my understanding of consumer law, according to 15 USC 1692 ( e ) this section is titled false or misleading representation, Midland Credit Management is in violation of my consumer rights and I want to compensated for the damages which I am entitled to according to 15 USC 1692 ( k ). A law firm can not attempt to collect a debt on be half of the creditor. That's illegal because the states that law firms can not act as debt collectors. I sent a certified noticed to Midland Credit Management on XX/XX/2021 demanding them to cease and desist as well as an invoice for the violation. There are other violations that Midland Credit Management has conducted such as 15 USC 1692 ( i ) in which congress makes it clear that bringing legal action by debt collector is unauthorized and 15 USC 1692a ( 6 ) ( A ) ( C ) ( D ) ( 6 ). The term debt collector means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. The term does not include - ( A ) any officer or employee of a creditor while, in the name of the creditor, collecting debts for such creditor ; ( C ) any officer or employee of the United States or any State to the extent that collecting or attempting to collect any debt is in the performance of his official duties ; ( D ) any person while serving or attempting to serve legal process on any other person in connection with the judicial enforcement of any debt. I will be invoicing Midland Credit Management for the additional violations conducted against me and sending it certified within 5 business days. Additionally, I do not owe this debt because there is no contract stating that this credit was extended to me by this debt collector. I also demand that this be removed from my consumer reports because I did not give permission to report anything on my consumer report ; it is unauthorized.
Consumer complaint received 2021-07-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I received several text alerts about fraud that was trying to be done in mY account. And I followed the steps that I usually do when that happens. I then received a call from a Bank of America employee who was in fact a fraudster. He went through all the proper steps that employees go through when verifying an account. After we verified everything I was scammed out of {$1400.00} and it was XXXX  to another bank. I called filed a claim reached out to Bank of America & they denied the claim, said I should reach out to the scamming bank to try and resolve anything. When I reached out to that bank ( XXXX XXXX  ) they would not help me in giving me any information and told me to go back to my bank. How can the company, XXXX, and Bank of America & XXXX XXXX  no one help me. I have been scammed out of {$1400.00} and NO ONE a can give me answers. I have spoken to my local police department and it seems so hopeless. In speaking to my bank they said this is a big issue with fraudsters impersonating every step of their security protocols. BUT how are consumers suppose to know whats real and what not if the very protocols put in place to secure us are in fact not secure?
Consumer complaint received 2021-07-23
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FORD MOTOR CREDIT CO. (NY)

My niece traded her vehicle in, last year. I was the cosigner. The dealer she bought her next vehicle from, paid off the remaining balance. Ford is still harassing is for the money. Everytime they do, they hit my credit score for over 60 points each time. So far, it's over 150 they hit me for. This needs to stop.
Consumer complaint received 2021-07-23
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. (SC)

Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.
Consumer complaint received 2021-07-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (VA)

Subject : Default Option of Statement vs. Coupon Issue Details : I refinanced my existing conventional mortgage back in XX/XX/2020. In about a month time frame, the loan was sold and ended up with BB & T ( now Truist ) for servicing, interestingly the same servicer as I had prior to refinancing. Soon after this, I signed up for the automatic draft for the mortgage payment jut as I do for all of my critical payments. As a result, I have been making a regular payment just as I have made before. 

About two months back, I happened to log into my existing BB & T account and I could see both of my loans prior and a new one, though statements only for the prior loan, not the new one. Just yesterday, I called up the bank to inquire on the matter of statements display in my account. Unfortunately, I received the answer that I am a coupon customer, not the statement customer. They had to switch me to be a statement customer from a coupon customer. There are no statements in my account online today! It will take about 25 days for the statement to be displayed, also not knowing my old statements will be available there.
Consumer complaint received 2024-03-25
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. (VA)

Please remove all phone numbers on my credit report. 
Please remove all of the other addresses off of my credit report. All of the other addresses reporting onto my credit report are not accurate and are not my current residency. The post office will not be able to deliver to inaccurate addresses per Fair Credit Reporting Act since they are not accurate. 


The following addresses below are inaccurate : 1960 XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX
Consumer complaint received 2021-07-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bliksum, LLC (CA)

Again I am sending this complaint. Because the company did not address one thing in their response. They did not respond to the 4 months of emails I sent their company which were attached THAT THEY NEVER RESPONDED TO. I DISPUTE EVERYTHING ABOUT THIS. THE TOTAL. ALSO I RECEIVED THE INFORMATION I OWE THEM XXXX. THE INTEREST RATE THEY TRIED TO SEND WAS WRONG. IT IS ILLEGAL CA LOAN. THEY MODIFIED THE LOAN AT SOME POINT BUT PRETEND THEY DID NOT. SENDING THIS TO THE CA ATTORNEY GENERAL AS WELL AS THE FINANCIAL BUSINESS OVERSIGHT DEPT OF CA NOW AS WELL WITH ALL OF THESE COPIES. SINCE I CONTINUED TO DISPUTE AMOUNTS ON THIS LOAN AND LOAN ME REFUSED TO RESPOND TO ANYTHING IN WRITING THEY ARE IN VIOLATION OF FDCPA. THEY LIE CHEAT AND STEAL AND I BELIEVE A LAWSUIT IS THE ONLY WAY TO HANDLE THIS. THEY DID NOT RESPOND TO ONE DISPUTE AND THEY ONLY WANT YOU TO CALL IN SO THEY CAN LIE. I RECORDED CONVERSATIONS WITH THEM. I REQUESTED THIS BE REMOVED FROM CREDIT REPORT IMMEDIATELY SINCE THEY REPORTED EVERYTHING INCORRECTLY. YOU CAN NOT REPORT DELINQUENT WHEN YOU NEVER SEND STATEMENTS FOR 2 YEARS THEN START SENDING OUT FRAUD LIKE EMAILS AND WHEN I QUESTION ITEMS YOU JUST IGNORE EVERY SINGLE EMAIL LOAN ME. YOU SEND OUT FALSE STATEMENTS AND I ATTACHED THOSE AS WELL. I WILL NEVER DROP THIS UNTIL IT IS REMOVED FROM CREDIT REPORT AND WILL MOVE FORWARD WITH LEGAL REPRESENTATION IF NEEDED. I DO NOT WANT THIS HAPPENING TO OTHER PEOPLE AND I WILL TAKE RESTITUTION FOR DAMAGES DONE. I HAVE NOTHING ON MY CREDIT REPORT REPORTED NEGATIVE BUT YOU BECAUSE I PAY MY BILLS. I DO NOT PAY ILLEGAL LOAN COMPANIES AND WILL CERTAINLY NOT PAY WHO YOU TRY AND PASS THE BUCK ON.
Consumer complaint received 2020-12-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

I bought this car at the dealer and next day I was going to used the car didnt run because had a electric problem, I send to the XXXX dealer and they say the car was completely damage the motor and the electric was the biggest problem, I took the car back to the dealer and they never fixed or did anything to the car because they know is a lot of money to fix it, i started a lot of complains and they never did Kik me out of the dealer, the car had a bad problem and even if I bought a new battery the car was not starting, so I had to leave the car on when a i was used he car or if I turned off I had to jump it whit other car, so because of this reason I left the car on in a gas station and some one stoked the car, and I never found it, I have the police report and everything, so I did never made any payment because of all of this reason and situation I passed whit that damage car, now is affecting me really bad my credit and I cant pay for something that was a fraud sale plus I dont have it because some one stole because the damage of the car and is not fair this
Consumer complaint received 2024-03-25
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. (NC)

In accordance with the fair credit reporting act, under 15 U.S.C 1681s-602 it states I have the right to privacy and this creditor ( XXXX XXXX ) has violated my rights. 15 U.S.C s-604 ( a ) s-2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666 ( b ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
Privacy Act of 1974 states that no agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. 
Even after my information as a consumer was provided to a 3rd party without my authorization or consent, the reporting agencies have inaccurately reported information to my consumer report. This is a direct violation of 15 U.S.C 1681s-2- Responsibilities of furnishers of information to consumer reporting agencies. I have attached additional documents that show discrepancies ( highlighted items ) in my consumer reports which are the following : Inconsistent Account numbers Inconsistent Credit Limits Inconsistent Derogatory Remarks of alleged late payments
Consumer complaint received 2024-03-25
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: EQUIFAX, INC. (TX)

All these accounts are fraudulent below I did not inquiry no credit from these companies. 

( Fraudulent Inquiries ) XXXX. XXXX  XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX Equifax XXXX XX/XX/2022 Equifax XXXX Equifax