davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-25
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB Corporation (MT)

This company ( XXXX ) is representing XXXX XXXX schools and is using multiple collection agencies claiming that I have a bill under my name and I have never attended XXXX XXXX!!! They can not charge for services not given, there are many complaints against XXXX XXXX, this agency and XXXX XXXX XXXX.
Consumer complaint received 2016-12-13
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Avant Credit Corporation (NJ)

I have an installment loan with Avant Credit. I have been unable to make my loan payments which are schedule to be automatically withdrawn from my account during the first week of the month. My problem is that Avant has made multiple attempts each month to withdrawl the loan payment which causes a Non sufficient funds funds fee with every attempt. The frequency of their attempts is increasing. This is turning a bad situation into a crippling event with each CHARGE from the withdrawal attempt. I did authorize Avant to withdrawal my loan payment once a month. However, I am unable to make the payment. Does this give them the right to make a withdrawal from my account anytime they feel like it. Can you please help me?
Consumer complaint received 2016-11-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I received a check from a customer for XXXX i made a deposit into my account check was returned due to NSF, bank froze the account and closed it after investigation i was given the balance in the account and was told it is being closed for fraud because i am associated with the company which wrote the check with NSF and i was also reported to XXXX due to which i am unable to open any personal bank account. It is untrue i did not had any association with XXXX that is the company which wrote me the check, I am attaching the supporting documents, In-fact I have a lien on the owners primary residence of XXXX and the owner just filed for chapter XXXX Bankruptcy. Please see the attached supporting documents.
Consumer complaint received 2019-08-20
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: ACIMA CREDIT, LLC (UT)

Acima Credit trying to debit my checking account every week. I agreed on once a month. Plus as i understand i was getting XXXX XXXX credit card. Acima keep 's saying iam leasing, when i supposed to be Buying. So i am just going mail in Money order, and i understand if i pay my account infull by end of XX/XX/2019 iam not charge interest. But this company and XXXX XXXX   is ripping me and customers off, how do you lease Tire 's? What bring back after tires go Bald?
Consumer complaint received 2019-10-10
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (TX)

During our re-finance process, we were contacted by more than 6 different team members. When trying to return phone calls or emails, I either wouldn't hear back, or would receive conflicting information. We were supplied our final disclosure 7 days prior to our closing date, then on the closing date, supplied a VERY DIFFERENT disclosure we had never seen before. Only upon inspecting the disclosure on THE DAY OF our closing ( when I had to specifically ask to see the revised disclosure - it was not provided voluntarily ), did I find that there were errors and issues with the disclosure. I had to call multiple people to re-schedule the closing date and have them correct the issues that would have resulted in us needing to pay {$1000.00} more in closing costs. Even then, we were not supplied a new disclosure until a few hours before our re-scheduled closing date a week later which STILL had errors. The level of incompetence I experienced where I had to check Freedom Mortgage team members work was simply unacceptable. If I had a choice and we weren't already so far into the process, I would have refinanced with a different company.
Consumer complaint received 2019-10-10
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: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

I have called the Bank of America auto loan number XXXX XXXX XXXX repeatedly without success. I need a release of lien letter for my XXXX  XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2019-10-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: PNC Bank N.A. (NJ)

so this is nOT a duplicate complaint i aalready filed this and it was returned this is NOt a duplicate on XX/XX/XXXX i was told and the call should be accessed i would have XXXX cents credited to my account. never happened. i did not ask for it it was offered details are all on the call from that day. i would appreciate the money back as promised. thank you I have called since not done. told not approved yet. well if i was told it and offered it should be done. please
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

In my communication dated XX/XX/2024 ( See attached Supporting Document # XXXX ), I notified Teletrack of that I was exercising my right under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ) ( B ) ( iii ) to request the Method of Verification that was used to verify the accuracy of inaccurate information in my Teletrack Consumer Disclosure Report. 

My Method of Verification Request ( MOVR ), dated XX/XX/2024, was made pursuant to the FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) which reads : A description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 


I requested that Teletrack provide a detailed explanation of the specific method used, including the name and contact information of the person Teletrack spoke with ( including the date and time of the discussion ) who verified the inaccurate information as accurate. Along with the MOVR details, I requested that Teletrack provide me verification of the accuracy of the aforementioned items and supporting documentation to support its claim. 

The FCRA 611 ( a ) ( 7 ) requires that Teletrack respond to my MOVR  within XXXX. The XXXX statutory deadline for Teletrack to respond to my Method of Verification Request was XX/XX/2024. 

In a letter dated XX/XX/2024, ( postmarked on XX/XX/2024 XXXX days AFTER the date of the letter and XXXX days AFTER the statutory XXXX requirement ), titled Dispute Process Description ( See attached Supporting Document # XXXX ), Teletrack replied to my Method of Verification Request with a generic, overgeneralized, nonsensical description of their reinvestigation procedures. Teletrack failed provide a description of the SPECIFIC PROCEDURE it used to reinvestigate my dispute, the name, date, and time of the individual they spoke with who verified the accuracy of the inaccurate information, and any supporting documentation to support its claim.
Consumer complaint received 2020-02-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BB&T CORPORATION (MD)

I open 2 accounts with BB & T Bank recently. I have so many problems with my bank since I opened it. When I opened this bank, they blocked and told me to go to the bank to verify myself, which I did. I went to branch itself, take in my ids and passports in. A branch representative from the XXXX branch help me solved the issue. On Friday, I got a temporary debit card from the branch and was using it. The same weekend, I transferred {$500.00} from my XXXX bank to my bb & t checking account. This morning, my husband transfer {$100.00} from XXXX XXXX XXXX and {$100.00} and {$80.00} from XXXX XXXX to my account. I tried to used my temporary card with XXXX XXXX  to send money to a friend of {$500.00}, but it reject it and I call the fraud the department, a lady told me to try again in 5 mins. I tried to use the card again after 5 mins, it declines again. So, I went online to my bb & t checking to do a XXXX transaction. Its didnt go through. That is when I call bb & t XXXX to see what going on. The rep told me they blocked my account again and she will have transferred me. So, I call the bb & t fraud take over department. So, to a rep name XXXX from the tier 3 level rep. He told me they closed the account and that bb & t does not want to do business with me. I told him what happened. He did not want to listen to me, he was so rude, and I asked to speak to another person above him. He said there was no body. I was so mad, he also told me I will not get my own money the {$1100.00} that I deposited. And they will send me a letter in the mail to tell me what to do. I kindly asked if I am going to get my money back. He does, maybe not. Well this is where I am extremely XXXX XXXX, first of all, it my money and not bb & t bank. If I dont get my money, I will be filing a police report representative XXXX tier 3 level rep. Bb & t has giving me XXXX ever since I opened this account. No other bank has giving me this money of problem. So I need my money, I need for bb & t bank to let me withdrawal my money from the bank. I need to speak to somebody, Date : XX/XX/2020 Amount : XXXX Note : I have receive letter from the bb & t fraud management department and call the department, XXXX told me I will not get my money, because I was doing back to back XXXX transactions. But it my money, unless you have written conditions that tells me why I should not XXXX back to back. Please refund my money. I dont know why it only poor people that you will hold there money, but rich people. You give them back there money. I need my money.
Consumer complaint received 2024-05-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I notified the company that my identity was stolen during the XXXX and XXXX XXXX breach. And provided documents to prove that now they are sending letters of taking legal action and damaging my credit every month.
Consumer complaint received 2019-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

TransUnion Personal Credit Report XXXX created XX/XX/XXXX, File Number XXXX, for XXXX XXXX XXXX, XXXX XXXX, top of first page, shows incorrect birth date pf XX/XX/XXXX. Correct birth date is XX/XX/XXXX. No response received yet, after notifying TransUnion via their website link in their online credit report.
Consumer complaint received 2019-10-10
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: CAPITAL ONE FINANCIAL CORPORATION (TN)

Capital One was in the process of opening a new credit card fraudulently applied for in my name. I spoke to their Fraud Department who stated " we would have called you ''. At the time I spoke to them, it had already been a week since the application had been submitted online. The reason I was aware of the issue is that XXXX had emailed me to let me know there was a hit to my credit score. I asked Capital One to flag my information & deny any new applications that were submitted. The stated they could not do this. That is a lie, as they will flag people with bad credit & deny them a new account. Furthermore, this was the second attempt to open a new card in my name this year. After the first attempt in XXXX, I had placed a Fraud Alert with all three credit companies ( XXXX XXXX,  and XXXX XXXX XXXX. The Fraud Alert is still active and Capital One ignored the Fraud Alert.
Consumer complaint received 2019-10-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Capital Markets Cooporative, LLC (RI)

We received notice that our mortgage servicing company ( CMC Funding / XXXX XXXX XXXX ) would be changing as of XX/XX/XXXX I called on XX/XX/XXXX to set up payments, was told that the loan was in process and we could not set up our account until the XXXX I called again on XX/XX/XXXX, and was told it was still in process. 
I called again today XX/XX/XXXX, and was told my information was incorrect and they were unable to speak to me. I then said that they by law had the obligation to provide me the details by the XXXX, and the person on the line asked me if I had an attorney, and then refused to speak to me or transfer me to a supervisor. 
I have contacted the owner of my mortgage ( XXXX XXXX ) to help resolve this, but I'm submitting this because I refuse to work with this fraudulent scam company ( CMC Funding / XXXX XXXX XXXX )
Consumer complaint received 2019-09-24
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. (GA)

XXXX XXXX XXXX XX/XX/2019 Dear Experian My name is XXXX XXXX. Im writing this letter to whomever it may concern. I have an account on my credit report thats in error and I really need help getting it removed. Ive tried over and over again disputing this account but still cant seem to get it removed. Account number XXXXXXXX XXXX XXXX amount of {$4500.00} opened on XXXXThis Company promised me that I was able to end my lease due to my roof caving in on me and my children. At the time they apartment complex did not have another unit to place me and my family in, in exchange the manager stated that I can just end my lease without penalties. This account has been on my credit since Ive left these apartments. Ive done all that I can to get this removed and Ive had no real help or supporters. Im not just asking for a hand out Im just asking for help, for someone to look into it and see that what Im saying is true. This account is wrongfully on my credit and I really need help with getting this taking off. Please, please help me with this matter. Thanks XXXX XXXX contact number XXXX
Consumer complaint received 2024-05-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I notified the company that my identity was stolen during the experian and XXXX XXXX breach. And provided documents to prove that now they are sending letters of taking legal action and damaging my credit every month.
Consumer complaint received 2022-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (NC)

I had a XXXX XXXX XXXX Credit Card with XXXX and out of the blue my card was declined at a store I was trying to make a purchase. It was declined. I opened my XXXX app that service the account with and it was blank and said N/A. I contacted XXXX and they said the account has been turned over to another servicer. I have a balance on this card i want to pay off in full like i do every month but XXXX will not give me information due to the account being switched. i have no idea who the company is or when my balance is due. The one lady at XXXX named XXXX said i had two cards with XXXX which is false. i told them this could be fraudulent but they said they cant speak to me... What am i to do when i am sure i have a due date coming up but no way of verifying this is fraud or my purchases. Please help!
Consumer complaint received 2022-12-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: IQOR US INC (ME)

Asked allied interstate llc for their address in regards to disputing and sending legal documentation and the lady is spoke with XXXX XXXX stated I didnt need any of that info and to pay my account and I told her I dont acknowledge this debt as mine and would like to dispute and asked for a supervisor and also their address she laughed at me and hung up.
Consumer complaint received 2019-10-10
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. (TN)

I recently applied for a furnisher account long story short I was denied. I don't understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I'm unsure a how this happened. I need this Items deleted from my credit report. I have already gotten a police report and FTC. XXXX, XXXX, 'XXXX , XXXX XXXX. There are also some inquiries that are not mine. XXXX XXXX XXXX, XXXX, XXXX/XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX.
Consumer complaint received 2021-12-01
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. (PA)

i have contacted all XXXX credit bureaus as well as XXXX times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the XXXX bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see circled,,,,, this account has been re aged which is a violation, this account is reporting a a charge off with a {$920.00} balance and it is also reporting a credit limit and a past due ... those are all violations as a " charged Off '' account should not be reporting any of that ... .look at the XXXX year history it is not uniform across the board which it should be...
Consumer complaint received 2022-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Im accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # 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 2022-05-06
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. (GA)

I have no obligation to XXXX XXXX. My contract for my XXXX was with XXXX XXXX. The contract does not give XXXX XXXX the right to report to Experian about the alleged account. 

One page 3 of the contract in the NOTICE OF NEGATIVE REPORTING SECTION, it states that only XXXX XXXX Lending can report to consumer reporting agencies about me. XXXX XXXX committed fraud against me and is a Debt Collector pursuant to the FDCPA.
Consumer complaint received 2019-07-10
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (WI)

On XX/XX/2019 My wife and I sold our home and paid off a second mortgage. We moved to Wisconsin to be closer to family when we retire. One Main Mortgage reported the account paid in full. XXXX reported it as a short sale. The mortgage company says they did not report it this way and the credit report says they did. While they are pointing fingers at each other we were told that we CAN NOT PURCHASE A HOME FOR THREE YEARS!!!!! 
While they may not care or feel amused by this I assure you we are not. 

My wife and I would appreciate any help in this matter.
Consumer complaint received 2020-02-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (DC)

I submitted a CFPB complaint in XX/XX/2019 that FedLoan was not providing any information to me about how many qualifying payments I had made for PSLF ( at the time, FedLoan was saying I had made 0 qualifying payments and would not update my records, despite my making payments and having employment certifications covering over five years ). In response, I received a letter from FedLoan dated XX/XX/2019, that said I had made 42-43 qualifying payments. At least 18 payments are missing from this calculation. I asked FedLoan for information about what payments it deemed to be qualifying and not qualifying, as previously a FedLoan representative had told me that FedLoan was not counting any payments that I had made to Navient ( the previous servicer ) as qualifying, because XXXX had not provided payment information to FedLoan. FedLoan told me in XX/XX/2019 that it would take 1-3 months to send me information about what payments it deemed to be qualifying and not qualifying, and the basis for the " not qualifying '' payments. I still have not received this information, and my qualifying-payments calculation is still missing over 18 payments.
Consumer complaint received 2024-04-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (SC)

I'm disputing this account. I'm asking for them to prove 100 % verification or validation. So I'm submitting through this site to get the help. This collection agency has not proved this account is mine. They have not sent me any of the proof I'm asking for. *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally They are saying it is verified but where's my proof? What methods are you using to verify? 

Please stop collections immediately