davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (OH)

I left an apartment complex in 2019 where rent was XXXX dollars per month. I left 4 months before my lease was up which totals to XXXX dollars. The apartment complex XXXX XXXX Apartments and the debt colelction company National Credit Systems have increased the debt nearly 300 % and put it on my credit report. From what I have read this is a violation of the FDCPA because it is a grossly increased debt amount. I tried disputing the information with the credit bureaus but when they tried to validate the information National credit systems and XXXX XXXX apartments stated it was accurate. I was not given an itemized receipt of the charged and they kept my deposit. I feel that this is a violation of Federal Law by allowing a grossly increased and incorrect dollar amount to report to my credit report. It has prevented me from my life goal of getting a home loan. I am not opposed to paying the debt, just opposed to something that has been increased by 300 %
Consumer complaint received 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

1. I AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT.

DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME!

The tradeline being reported has a derogatory rating which has caused me serious financial and emotional distress. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics.

In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information ENTEGY is furnishing.

ACCOUNT # -FULL ACCOUNT NUMBER NOT SHOWN ACCOUNT TYPE DETAIL- DIFFER FROM XXXX, XXXX & EQUIFAX DATE XXXX DIFFER FROM XXXX, XXXX & EQUIFAX XXXX XXXX SHOWN AFTER CHARGEOFF HIGH CREDIT-DIFFER FROM XXXX, XXXX & EQUIFAX LAST REPORTED- DATE DIFFER FROM XXXX XXXX XXXX & EQUIFAX DATE LAST ACTIVE-DATE XXXX FROM XXXX, XXXX & EQUIFAX DATE OF LAST PAYMENT- DATE DIFFER FROM XXXX, XXXX & EQUIFAX XXXX was required to notify me later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that XXXX  complied with this requirement.
Consumer complaint received 2015-12-27
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (NY)

Was charged {$590.00} on XXXX XXXX, 2015 for no reason by XXXX. I contacted them many times about this strange charge and was told many times that this would be taken care of. Received a recent statement stating that I still owe this amount. I 'm afraid of not paying because it will ruin my credit.
Consumer complaint received 2022-05-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EOS Holdings, Inc. (NY)

EOS CCA ( Original Creditor : XXXX ) has failed to send me a response with my requested information for alleged collection account XXXX within the first XXXX initial days of receiving my dispute. I have already been suffering enough with this inaccurate data on my credit report, I prepare ways to circumvent talking about my financial status or shortcomings with everyone from family members to co-workers causing changes in the relationships that have shaped my life until this day. The stress that comes with this alleged debt ruining my creditworthiness can not be managed. As a XXXX  mother, the financial expectations I am required to meet are unimaginable and it is a no-brainer that if I had the financial boost that good credit offers I would be in better shape to face daily challenges that come with my current predicament. 

Due to lenders turning down my applications I was forced to move out of my original state and ended up at my current address with no family or close friends to vent to leaving me visiting more social programs to help me deal with my stress and XXXX. Now that I contact this company about this alleged debt there is no response?? 


furthermore EOS CCA ( Original Creditor : XXXX ) is also reporting this alleged debt as an " Account '' which is inaccurate according to USC Title 15 1693A2 Therefore at this point this collection agency is knowingly furnishing false data on my credit report in violation of15 U.S. Code? 1692e. False or misleading representations and I demand them to Cease and desistfurnishing this alleged debt and notify all credit reporting agencies to delete it immediately.
Consumer complaint received 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX account XXXX was illegally reported during a " covered period '' XX/XX/2020 this account was reported 30 days late during the covered COVID-19 period. This is a violation of 15 U.S.C 1681-2 ( f ) ( ii ) " covered period '' means the beginning period XXXX XXXX and ending on the later of ( aa ) 120 days afterMarch XXXX ( I ) report the account as current.
Consumer complaint received 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX account XXXX was illegally reported during a " covered period '' XX/XX/2020 this account was reported 30 days late during the covered COVID-19 period. This is a violation of 15 U.S.C 1681-2 ( f ) ( ii ) " covered period '' means the beginning period XX/XX/XXXX and ending on the later of ( aa ) 120 days afterXXXX XXXX ( I ) report the account as current.
Consumer complaint received 2021-10-29
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. (PA)

I XXXX XXXX have been treated unfairly by this consumer reporting agency and they have been using my private consumer information without my consent. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I've not given verbal or written consent to any agency for them to us any information. 15 U.S. code 1681c-2 allows the consumer to block and remove all information that resulted from identity theft, If you follow the guide line which they provide. Please inform them of these rights.
Consumer complaint received 2019-07-25
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Amscot Corporation (FL)

I received a Payday Loan from Amscot and was referred to Credit Counseling. I was handed a list of agencies by Amscot and decided on XXXX XXXX XXXX XXXX ( XXXX ) who I paid on time and in full. An emergency came up and I requested another loan from Amscot and was denied with a letter of Action Taken and statement of reason ; Other History of - Delinquent ( past ) or present credit obligations with us. I went to another Pay Day Loan agency on the same day and was denied for the same reason. As I am trying to maintain a favorable credit rating " this was upsetting ''. How can Amscot send me to credit counseling when they new that this action would negatvely affect my credit rating? I would have rather just stuck to the original terms set up by Amscot. I accepted credit counseling because the extended payment terms they offered were preferable to paying Amscot the full amount ( {$500.00} ) immediately. I had no idea that by accepting credit counseling it would negatively affect my credit rating.
Consumer complaint received 2019-07-25
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

To whom it may concern, I am really frustrated with Bank of America customer service. I am unable to get the right document/letter from Bank of America. 
I purchased two airplane tickets from XXXX XXXX in USA. 
I used Bank of America credit card paying {$780.00} for each ticket. 
Bank of America credit card charged a foreign transaction fee for each transaction totaling {$47.00}. 
I called Bank of America credit card and was informed that XXXX posted payment from XXXX, XXXX and thats why I was charged a foreign transaction fee. 
I called XXXX and they confirmed that their headquarters are located in XXXX which showed/printed on the credit card statement. The airline tickets however had been purchased in USA and no currency exchange was involved. 
XXXX representative assured me that they post all the transactions from the American customers within USA and there are no currency conversion involved. 

XXXX asked to get the document or letter from Bank of America proving that the payments for my tickets were posted from XXXX, XXXX. I was promised to be refunded, if Ill be able to get the proof from my credit card. 
I called Bank of America Customer Service several times in XXXX and XXXX, 2019. Each time I was experiencing extremely long waiting time and difficulty to get connected to a live customer service representative. Several times I talked to regular customer service representatives and the last time I insisted to talk to the supervisor. If Bank of America credit card records the conversations they must have the records of my communications. 
Each time Ive requested the document/letter other than my monthly statement proving that the XXXX payments were posted outside of USA. 
Twice, I received the copy of my monthly statement from the credit card ( see attached ) that I could easily have printed myself. 
Bank of America Credit Card failed to provide any proof/supporting letter that the payment to XXXX been processed outside of USA. 
I have Bank of America credit card for many years. Based on the recent experience with the customer service, I am really disappointed and concerned about the declining quality and level of competence of their customer service. 
Please find the attached copy of my credit card statement which was sent to me twice instead of any relevant document/letter that I requested. 
Would you please help me to get the Bank of America credit card document/letter other than my monthly statement proving that the XXXX payments were posted from outside of the USA. 
If Bank of America credit card fails to provide proof other than mentioning XXXX in my monthly statement, they should refund me foreign transaction fee of {$47.00} Respectfully, Bank of America Credit card holder.
Consumer complaint received 2017-01-25
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (MA)

After reviewing my recent credit card statements, I found out that Citibank has charged me 25.49 % interest rate on the credit card I have with Sears. As I know Citibank corporate office located in the state of SD and maximum interest rate allowed in that state is 15 %. I imagine how many people were charged without knowing it 's illegal.
Consumer complaint received 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all XXXX credit bureaus and they have ignored my verfied claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.
Consumer complaint received 2022-05-16
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. (TX)

Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all XXXX credit bureaus and they have ignored my verfied claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.
Consumer complaint received 2019-11-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (MI)

It was XXXX of this year 2019, that I accepted a pre approved offer sent by mail to me by Fortiva Credit. My offer was for a credit line of up to {$1000.00}, which is what they lent me minus a {$170.00} Annual Fee. My actual resulting line of credit was {$820.00}. On XX/XX/XXXX, I made my first payment, the minimum of {$25.00}. They didn't post it until XX/XX/XXXX so they charged me a {$25.00} late fee. Now I had a new minimum payment of {$100.00} due XX/XX/XXXX, which I made. It was on or around XX/XX/XXXX that I called to discuss changing the due date, since I get paid social security on the XXXX Wednesday of the month. I believe they know as well. The due date of the XXXX was just before my payday. I was told my account had to be " current '', and then at that time I could put in a request, though not a guarantee, and it could take several months. When I received my social security check, I made a minimum payment of {$52.00} on XX/XX/XXXX so I was charged another {$39.00} which showed up on my due date of XXXX XXXX statement. Now my minimum payment is up to {$180.00}. I could not afford that high of a payment that month. On XXXX XXXX, again after I received my paycheck, I made a {$300.00} payment. It was the weekend so Fortiva didn't post it until XXXX XXXX.The minimum on my XXXX XXXX due date statement was {$270.00}. They charged me a late fee of {$39.00} as well. On XX/XX/XXXX, I made another {$120.00} payment and Fortiva charged me another {$39.00} late fee. On or around XXXX XXXX, Fortiva closed my account because I " ..failed to honor the terms of your account agreement. '' I did not receive any type of text or email, which Fortiva had used on numerous occasions. Instead, I received a letter, standard US postal mail around XX/XX/XXXX, a copy of which I have attached, along with the envelope with no date on it. Only within the first 3 months, I was told by XXXX XXXX, can the {$170.00} Annual Fee be PRORATED and partially refunded. This card was not a " rebuild your credit '' opportunity. This is predatory lending or loan sharking in my opinion. I have made {$590.00} in payments on a credit line of {$820.00}. I have been charged {$410.00} in FEES, {$190.00} in interest totaling {$600.00} in a closed account within 6 months. And, I still owe OVER what I borrowed {$860.00}. And, then I went to make my XXXX payment, they wouldn't take my credit card! Debit only. That is a first from my experience. This company has never failed to disappoint. Their purpose and design is to take advantage of people they know are at a disadvantage, and ruin their credit more.
Consumer complaint received 2022-05-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XXXX  XXXX I received a call from Bank of American stating that suspicious activity was happening in my account. I had to transfer funds to myself however my XXXX account was not a business account so I had to move my {$500.00} to my business account. This was a scam, because he hung up immediately after I followed instructions and my money was gone.
Consumer complaint received 2018-07-16
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (WV)

My total student loan debt is around {$55000.00}. Half of that is federal loans, and the other half are private. The federal loans are easy to repay due to their income driven repayment plans. My private loans on the other hand are out of control. I am not even making a dent in them, and I have been graduated/fully employed for 2 years. The issue first started with Sallie Mae when they had me on a {$550.00} a month payment with a 5 year term to repay, which is absolutely ridiculous. I lived at home after I graduated because I could not afford to rent somewhere. Shortly after arguing with them about how I couldn't afford their payment, I refinanced with Navient through a website called XXXX. Only to later find out that Navient is a break-off company of Sallie Mae. While my payments are lower with Navient, they are slowly going up to a payment I will not be able to afford due to me relocating to a new city for work, and now having a new expense of {$900.00} a month for rent. I can't even afford to go get a new car because my disposable income is almost non-existent from all of my student loans I am paying on. I am truly drowning in debt, and have no way to start a life on my own. I blame part of this issue on the school as well. They never informed us the difference between federal and private loans. They basically wanted us to get the money we owed each semester in the quickest way possible and sign on the dotted line. There was ZERO educational information on what we would be getting ourselves into in the future.
Consumer complaint received 2022-05-18
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

CAP1/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/22 RE. We have disputed this account.
Consumer complaint received 2015-06-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

HiIn 2013 I filled a complaint against GMAC Mortgage, regarding the national mortgage settlement. I explained that this loan should qualify for the national mortgage settlement. GMAC respond was that it does not. 
I have proof that this loan should have qualified for the national mortgage settlement and GMAC should honor it.
Consumer complaint received 2024-02-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I am deeply troubled and thoroughly disappointed by the unfolding situation in my credit report. It is not only highly embarrassing, but it is evident that either you or the company is responsible for reporting this inaccurate information.
Consumer complaint received 2023-03-03
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: SANTANDER HOLDINGS USA, INC. (MA)

I invested in a XXXX  month rising rate CD with Santander Bank in XXXX of 2022 at 0.2 %. I chose this CD because I was told I could make a one time rate adjustment anytime during the term and was expecting that rates to go up. 
Last fall I went to my local branch and requested that the CD rate be adjusted according to the terms of its rising rate. The bank employee checked with a central office and was told that the rising rate CD was no longer offered. Of course, I still had that product, but they refused to honor their commitment. 
Instead, I was offered good rate of 4.16 %, but required to close my CD and invest in a new XXXX  month CD. I really wanted this rate but with the expiration date to match the rising rate CD that I had. The bank refused. I was upset, but decided not to fight them. My rising rate CD was closed on XX/XX/2022 and I was given the XXXX  month CD. 
When I was preparing my tax return, I noticed that Santander had charged me an early withdrawal penalty ( which I had been told when I accepted the new CD would not happen ). This was again an example of their refusing to adhere to commitments.
Consumer complaint received 2022-05-16
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)

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 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In XX/XX/2022 an unknown person hacked into my computer and stole my Capital One credit card account XXXX, along with my XXXX XXXX XXXX XXXX XXXX bank account numbers and passwords, XXXX XXXX accounts with all passwords, and my shopping site 's XXXX, and XXXX, etc. along with all passwords. The hackers then made purchases using my XXXX account, which I had not used in 2 years. Using my Capital One credit card, they charged {$500.00} daily until they reached the maximum limit of {$10000.00}. Then they sent a payment of {$1800.00} using my checking account to pay my Capital One credit card to continue their activity on my XXXX account until they ran out of funds. When I received the CC bill, I noticed that I owed {$13000.00}. I notified Capital One, and they said they would send me a replacement card right away and then investigate the stolen account and send me a report of their findings. I never received a replacement card and never received a report in the mail after over a month. I called again and no one would answer my questions. And I had not been credited for the stolen funds as promised by customer service. After several more months, I called again and said I never received a new card or a report of their findings. I followed up with several emails over the following months, with no response or calls. My XXXX account was suspended without notifying me, and all transactions were erased. 
A Capital One collection company served me a summons to appear in court. They said I was being sued for the entire {$13000.00} plus all fees incurred by them. I have hired an attorney at this time as well as filed a police report.