davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

I requested Ohio Revised Code SCRA benefits two years ago. The accounts were removed from my credit report so I assumed they honored my request. The week of XX/XX/XXXX I received a call from Portfolio Recovery Services attempting to collect the debt. I contacted XXXX XXXX to inquire about the debt and was told my SCRA request was incomplete and they would send me a letter requesting missing documentation. I received two letters. One letter stated that my account was sold to a third party and I needed to contact them. The other stated that I was ineligible because the account was opened on XX/XX/XXXX and I enlisted in XXXX. I am a resident of Ohio Note that Ohio extends the 6 % interest cap on all debts, not just those incurred prior to XXXX XXXX. I have attached documentation of the revised code and the letters sent to me from XXXX XXXX denying the benefits. I do not have the total amounts owed on the card however I have have both case numbers.
Consumer complaint received 2022-01-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (OH)

On XX/XX/2022, I received a good-bye letter from Freedom Mortgage informing that my loan servicing was being transferred to XXXX XXXX XXXX XXXX XXXX XXXX. The letter is dated XX/XX/XXXX. As of this complaint, XX/XX/2022, I have not received a welcome letter from XXXX XXXX XXXX XXXX XXXX XXXX. It is my understanding that I should have 15 days notice from each company and this only gives me 5 days from Freedom & 0 days from XXXX. In addition, my loan with Freedom is in process of being paid off. I feel that is why my loan is being sold. They are doing this to cause confusion & make it difficult for the loan to be paid-off. I called Freedom on XX/XX/XXXX and spoke with XXXX, ID XXXX, and asked if my automatic payment that is set-up with Freedom would be automatically canceled or if I needed to cancel it. She was not confident in her answer when she told me that it would be canceled. Because she told me it will be canceled, Im expecting a payment not to be drafted on XX/XX/XXXX.
Consumer complaint received 2022-01-27
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. (NJ)

When a collection went on my account. That day my score dropped XXXX points in XXXX. Now it has been removed and has not been changed. Second XXXX promised 6 times to remove two late credits and even provided this in a letter. These are my only late payments recorded on the report. Please remove them.
Consumer complaint received 2016-03-31
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Security National Automotive Acceptance (IL)

In XXXX 2014 I was in XXXX and was notified that I was to be XXXX. Knowing this I knew that I would no longer be able to pay for the car loan I had. I then called SNAAC to have the car voluntarily repossessed. They got the car a week later and that 's when I started to receive calls to restart my allotment to pay for the car. They told me that if I did not pay my debt that they would then call my commander due to being in violation of UCMJ for not paying my debts. I did not know what they did was illegal until I came across your article.
Consumer complaint received 2021-05-14
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (FL)

My Name is XXXX XXXX. This complaint is with Comenity XXXX  XXXX  concerning finance charges on an XXXX XXXX XXXX Credit card ( account ending in # XXXX XXXX. See attached document for detailed information and documentation
Consumer complaint received 2023-07-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TRUIST FINANCIAL CORPORATION (FL)

Purchased a XXXX XXXX XXXX XXXXXXXX was taken from my account twice. 

My reference number from XXXX is XXXX. 

I'm unable to purchase anything from XXXX. 

My back verify that it was taken twice. Truist is my bank
Consumer complaint received 2021-05-17
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: XOOM CORPORATION (AL)

My family and I was looking for a cabin in XXXX XXXX, Tn. We were unable to take a trip last year due to COVID. We decided to search for cabins on XXXX or through the XXXX XXXX Owners Page. After doing an inquiry on the owners page I received an email back the next day which was XX/XX/XXXX telling me that he owner a lot of cabins in the area and that he would be more than happy to find us a place. Our booking dates were set for XXXX XXXX. He gave us a total of {$3000.00} for a 12 bedroom 12 bath cabin that slept 56 since that was within our budget. He told us that {$1500.00} had to be paid ASAP and the remaining needed to be paid 5 days before arriving. We paid everything and he informed me that he was looking forward to meeting and greeting my family upon our arrival. We left around XXXX XXXX from our town in Alabama and made it to the cabin around XXXX XXXX on XX/XX/XXXX. Upon arrival at XXXX XXXX  we noticed that the cabin the man gave us the address and passcode to already had someone staying there. We then went to the check-in office and showed the lady at the desk the contract that included the information for the rental. She called the property manager and the manager over XXXX. And he informed her that my name was not in their list for check in nor did they have any knowledge of the man that took our money. We called Called the company that we made the payment through ( Xoom powered by XXXX ) and was told that nothing could be done because the payment was already completed.
Consumer complaint received 2022-01-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Send Capital One several FOIA request regarding this alleged debt, however no response. No documents were provided to me. No notice of Dispute to the credit bureau. XXXX to be specific. This is a clear violation of the FDCPA, FCRA by not follow both federal and state laws. 

Federal laws violation : 15 USC Code 1601 Congressional findings and declaration of purpose ( a ) ( a ) Informed use of credit The Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. 

Federal laws violation : 15 USC 1681 e-Compliance procedures Federal laws violation : 15 USC 6802 Obligations with respect to disclosures of personal information. 
Federal laws violation : 15 USC 1681a- definitions ; rules of construction ( 2 ) Exclusions ( A ) ( i ) ( ii ). 

I have the documents dates, Credit reports dates and certified mail XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: EQUIFAX, INC. (IL)

I have disputing these accounts with the three credit bureau XXXXothing as happen XXXX XXXX and Equifax have not acknowledged my claims after I've sent disputes as well as proof that these accounts do not belong to my person. Please removed these accounts as they fraudulent..
Consumer complaint received 2022-04-12
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. (AL)

I filed a letter not long ago addressing accounts that I have disputed and that can be seen in my credit file that are erroneous and inaccurate, and I am quite upset that they are still there. I do not verify such accounts, which is a violation of the Fair Credit Reporting Act 's US Code 1681 Accuracy and Fairness in Credit Reportin
Consumer complaint received 2019-07-06
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (LA)

XX/XX/2019 I received four calls from Conn 's homeplus I gave them XXXX dollars out of XXXX that I originally supposed to pay onXX/XX/2019 they called I told them that I was gon na try getting the rest which is XXXX they call four times that same day XX/XX/2019 they called four time   XX/XX/2019 they called four times XX/XX/2019 they called four times
Consumer complaint received 2016-02-16
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: National Principal Group, LLC (OK)

I have no idea what payday loan they claim I have defaulted on and they keep calling me, my work and people I know using a recording saying they are searching for my whereabouts and its legal for them to call all contacts on file to find me, Press XXXX to talk to an operator or call XXXX regardless if I have information or not. They call around 5 times a day. I 've spoke with a lady XXXX time and they have personal information that does n't match the time frame they 're claiming this happened and she told me they have me on breach of contract and fraud. I requested copies of the original information and they emailed me XXXX letters with their letter head that say nothing more than what they told me on the phone. I asked if they had a fraud department and she told me since they have all of my information it 's not fraud and I 'm responsible for paying them.
Consumer complaint received 2022-01-27
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. (TX)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2022-01-27
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: Experian Information Solutions Inc. (NC)

There is inaccurate information on my credit report that needs to be removed. Have sent out letters to credit bureau have sent several letters with no response or removing inaccurate infromation.
Consumer complaint received 2022-01-27
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. (NC)

There is inaccurate information on my credit report that needs to be removed. Have sent out letters to credit bureau have sent several letters with no response or removing inaccurate infromation.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I have no knowledge of these hard inquiries. The hard inquiries are result of identity theft and must be removed no later than four business days as per 15 U.S Code and 1681 c -2.
Consumer complaint received 2022-01-27
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: Experian Information Solutions Inc. (NY)

There are incorrect inquiries that should be removed immediately ; way too many to have happened within a year 's time. I have contacted the bureaus before about it and they did not do anything.
Consumer complaint received 2017-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (IL)

I applied for an aadvantage gold credit card with citibank that advertised a promotional offer of 25,000 bonus miles for spending {$750.00} within the first 3 months. I spent well over the required amount within the first month. More than 3 months later and I still have not received the bonus. When I contacted citibank I was told I had received the promotion previously and was not eligible. I have never had an aadvantage gold credit card before. I would like my bonus miles and an apology for false advertising. This complaint was previously closed despite the fact the company failed to provide documentation of their claims. 

Please reopen this claim and explain why citibank 's response was reason to close it when they provide no documentation to show that they are not in violation of the unfair or deceptive acts or practices Section 5 ( a ) of the FTC Act Upon activation of the card, the citibank representative confirmed I would receive the bonus after meeting the spending requirement. I never received such a bonus, nor did the terms upon application or with the offer I received indicate that I would not be eligible based on the different product I previously had. I disagree with the company 's response and expect them to document proof of their false claims. I am owed the bonus and the company 's actions constitute an unfair or deceptive acts or practices violation. The FTC Act prohibits unfair or deceptive acts or practices. " An act or practice may be found to be unfair where it " causes or is likely to cause substantial injury to consumers which is not reasonably avoidable by consumers themselves and not outweighed by countervailing benefits to consumers or to competition. '' A representation, omission, or practice is deceptive if it is likely to mislead a consumer acting reasonably under the circumstances and is likely to affect a consumers conduct or decision regarding a product or service. " Citibank should be prosecuted for willfully violating this act and failing to make appropriate restitution.
Consumer complaint received 2023-07-19
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: DriveTime (PA)

To whom it may concern, I've never given XXXX my written consent to furnish any of my NON PUBLIC PERSONAL INFORMATION. It was never made known to me that I have the RIGHT by LAW to opt out of my information being reported/sold as made clear in 15 USC 1681 of the Fair Credit Reporting Act. 

15 USC 1681 states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer Please provide any documentation with my written consent allowing XXXX to furnish my information or remove this all ILLEGALY SHARED information from my credit report and send me an updated report.
Consumer complaint received 2023-07-19
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: Great American Finance Co (OR)

I Am a victim of XXXX XXXX XXXX, and I have provided all of the documents to provide proof of this and I would like XXXX XXXX REMOVED FROM my credit report!
Consumer complaint received 2022-01-27
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. (MA)

Choose according to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2022-01-27
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have 5 unknown inquiries on my credit report. I have filed with each of the companies and expressed the fraud concern. They have not been removed from my credit report through all 3 bureaus. Investigations pending and being asked to report to FTC.gov for further proof / documentation. 

XXXX XXXX - XX/XX/XXXX CAPITAL ONE - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX via XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2022-01-27
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. (MA)

Choose according to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2022-04-12
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 Reporting act XXXX XXXX XXXX XXXXhas violated my rights. 

Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX 15 U.S. 1681 section 602 A. States I have a right to privacy. 


15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reportingagency can not furnish a account without my written instructions
Consumer complaint received 2022-01-27
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: EQUIFAX, INC. (NC)

There is inaccurate information on my credit report that needs to be removed. Have sent out letters to credit bureau have sent several letters with no response or removing inaccurate infromation.
Consumer complaint received 2021-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Since XX/XX/2021 I have been disputing inaccurate information on my credit report. I have not received a response in writing or by phone regarding inaccurate information that is being reported.
Consumer complaint received 2021-05-17
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: Harley Davidson Financial Services Inc (MA)

Monday, XX/XX/2021 RE : INCOMPLETE, MISLEADING & UNVERIFIABLE FOR HARLEY DAVID # XXXX DEAR CRA / HARLEY DAVIDSON ; I was going through my motorcycle Harley Davidson finance and noticed that there are multiple inaccuracies on the way this account is reporting. I been trying to get to the bottom of this for the last 3-5 months, but it continues to report wrong, incomplete, misleading, inaccurate information. How come each credit bureaus are reporting 3 different dates that I was late ; for example one is saying that I was late one month but the others saying that I was OK how? This is erroneousness and inaccurate, and incomplete data.
Consumer complaint received 2019-07-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX XXXX was paid through the collection agency XXXX XXXX on XX/XX/2019 for {$1000.00}. It was agreed that this account would be deleted from my credit report. I have provided that information to XXXX, XXXX, and Transunion but XXXX XXXX XXXX still reports that I owe them.
Consumer complaint received 2017-04-06
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: Peoples Commerce Inc (PA)

I was charged {$14000.00} for a {$3000.00} vehicle with a payment of {$410.00} per month. Also, I under paid a payment by {$19.00} and have been constantly harassed and threatened by XXXX XXXX  and peoples commerce.
Consumer complaint received 2017-08-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY (CA)

Previously I had filed against XXXX XXXX located in XXXX California regarding a bumper on a XXXX XXXX that I purchased.The bumper was coming off the car and we finally reached an agreement.On XXXX/XXXX/XXXX The air conditioning in the car went out. I just can not understand how a car can have so much trouble in 4 months.I am without a car for 2 days.And if the car was inspected it must not have been a good inspection.reimbursement for loss of use.
Consumer complaint received 2021-05-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

on XX/XX/2021 I thought I was purchasing a XXXX  XXXX from a seller on XXXX. They stated their XXXX was locked and I could XXXX over the money ( which I did ). The seller said she would email me the shipping info ( which she never did ) and I never got the item. I called my bank the very same day reporting this person a scammer ( and sent over all the paperwork and correspondence ) and they keep denying my claim. My money is not protected by my bank
Consumer complaint received 2018-07-12
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. (FL)

I need XXXX  as well as Experian and XXXX  to report correctly that XXXX XXXXXXXX XXXX has a XXXX balance and is a paid and settled credit card from XXXXXXXX XXXX XXXX