davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-26
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Alliant Capital Management LLC (OH)

The person managing my account at Alliant Capital pressured me into an agreement that was not fair, timely nor consistent with other pay day lenders repayment plans. I agreed to the payment plan on XX/XX/2018 due to the insane pressure, however, I decided to use my bonus to take out a loan from my 401K so I could pay all my debt and not file bankruptcy. I called Alliant Capital back onXX/XX/ to advise them I could not pay the XXXX on XXXX but I would have all the money by XXXX to pay the settlement. I also questioned why their settlement was so high asking for more interest and fees removed. I borrowed XXXX and paid XXXX. They are asking for XXXX. I kindly asked for a little more time and could even show proof I have requested money from my 401K. I reiterated that it was crucial to withdrawal this money so I could pay all my debts and not file bankruptcy. She was nasty, loud and did not care about anything I had to say. refused to cooperate, threatened me, and would not even consider asking for a little more time. Did not even offer a small payment for good faith this month and I could pay the rest in XXXX when I received my payout. She lectured me, pressured me, accused me. Every other lender I am working with has been more than willing to work with me and be kind. I ask that the company and she be reprimanded for their behavior, stop threatening tactics and be willing to work with the client. Obviously, we are in this situation because we are in a financial hardship. I would rather take a hit on my 401K versus filing bankruptcy. I ask that this company work with me to come to a fair settlement agreement. I'm sure I'm not the only customer who has been treated this way. She should have done everything in her power to work with me. Not lecture me, raise her voice, offer no solution, threaten to sue me, etc.
Consumer complaint received 2019-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

XXXX, XXXX  and Equifax are all violating the lates ruling by the attorney general. DISMISSED BKS SHOULD NOT BE REPORTING ON CREDIT REPORT AS THEY ARE NULL NON EXISTENT PUBLIC RECORDS ... In response to a recent Attorney General settlement, the National Credit Report Agencies are supposed to significantly reduce the amount of Bankruptcies, tax lien and civil judgment information found in consumer credit files by XX/XX/2017. 

https : //ag.ny.govXXXX I also have received a notification from the law firm about class action that Equifax lost and had to pay out due to FCRA violation by issuing consumer disclosures containing " public record '' information ( such as tax liens, judgments, and bankruptcies ) without identifying the vendor it employed to obtain the information from courthouses and other government offices.

I hereby request this erroneously report public record to be removed from my credit report immediately or I will no choice but to write to D.A. and report your bureau not complying with recently issued order.
Consumer complaint received 2023-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-12
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: DISCOVER BANK (MS)

Was paying the collection agency before my employer was closed ... Attempting to start employment with the MS Department of Employment Security. However, I received a letter from the collector requesting information pertaining to me from the future employer. I am not currently working for this employer as of yet. And the attempt to get my personal information is disturbing. This could hurt my job offer. 

Letter received on : XX/XX/2019 Organization involved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX
Consumer complaint received 2019-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I disputed this XXXX  account with all three credit bureaus, the reported that it was closed in XXXX, now its reflecting closed XXXX once I paid the {$120.00} which I dont believe I owed this amount since it was an fee for a company trying to take money out of my account without my permission, I was charged the fee and my account was closed. I have notified all 3 bureaus to have this removed but they keep saying its correct. One bureau is showing XXXX closed and the other on shows XXXX according to XXXX XXXX, XXXX shows a XXXX, this account has been on my report for seven years
Consumer complaint received 2023-03-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Long & Foster Financial Services, Inc. (NC)

This is a system-wide problem. It is impossible for a buyer to get a Loan Estimate from a lender- unless the buyer makes an application for a mortgage.

Check it out.

Go on-line - try to find rates on-line for a 30-year mortgage without making an application. 
When consumers make applications, the Loan Estimate in buried deep in a pile of other forms the lender forwards to the borrower. 
Everything must be e-signed, and the borrower has little idea what they are doing. The lender will not provide a XXXXoan Estimate without a full application, and the borrower can not " shop '' for a mortgage.

The Loan Estimate invariably contains a " sample '' interest rate that is not locked, and that a buyer can not lock. 
With rates going up, borrowers will get hammered by lenders!
Consumer complaint received 2020-02-05
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. (NM)

XXXX XXXX XXXX inappropriately obtained my credit information from one of the three credit reporting agencies despite being on all three 's no-contact/opt-out listing for almost two years now. Attempted to resolve the issue with the company directly, then through the XXXX XXXX XXXX, but I continue to receive unsolicited offers of credit from XXXX XXXX XXXX in direct violation of the FCRA.
Consumer complaint received 2019-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP (TX)

My problem started on XX/XX/2018 when XXXX XXXX XXXX credit union transitioned from one credit card company to another. the new credit card company was ELAN FINANCIAL previous credit card company was XXXX XXXX I was unaware this was happening. The issue was that during this transition. my payment was refused. When I called about this twice, I was assured my credit would not be affected. When payment was finally allowed on XX/XX/XXXX. I was reported as 60 days late. this is a lie. I filed 2 disputes, no help. Then and spoke to Elan Financial rep who said it was incorrect and would be corrected. I wasn't convinced and closed the acct, as a matter of principle. Last dispute with XXXX  again not corrected. I take this matter personally as I always make my payments on time, and have held some many of my credit cards for decades without a late payment. I just wast this corrected. it was their refusal to accept payment on two separate occasions that caused this it also cost them a customer.
Consumer complaint received 2019-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Last XX/XX/2019 I was paid in full balance of {$3000.00} included for cash balances and interest accrued. 
Then this coming XX/XX/2019 statement, I received an additional interest charge of {$54.00}. 
I called the company and I spoke XXXX she said they can not waived the interest because this is valid interest. 

I believed this is not fair because this is over charged interest in my part.
Consumer complaint received 2023-09-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (IL)

Upon checking my credit reports I noticed a collection that I have no knowledge of. The amount is for XXXX on my report it's date it is from XXXXXXXX XXXX XXXX. I don't know anything about this account. The credit report states that it was opened on XX/XX/2023. I'm not sure if it was the debt collector that opened it on this date or was it the date the account from the original creditor was opened? It's hard to know this when I was sent no paperwork nor notified of this account. Section 605 of the fair credit reporting act state that they must obtain a validation of the debt I never received any thing whatsoever from this debt collector nor the XXXX XXXX I would like thoroughly investigated.
Consumer complaint received 2019-01-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Intermex Wire Transfer, LLC (NV)

My name is XXXX XXXX and I was victim of froud on XX/XX/2018. I have nephew that live in XXXX for about 10 years. One person from this number XXXX posing as a US Customs agent called me and told me that XXXX XXXX my nephew was in XXXX XXXX Airport and have a problem with documentation and need help, he was in surprise visit. 
She them told me that we need to wire {$1200.00} to XXXX XXXX XXXX in XXXX XXXX XXXX XXXX and as soon we have that money there we can go to the Airport to pick up XXXX. 
I went to send the money thru Intermex with the numbers XXXX for {$300.00} and XXXX for {$950.00} after that we rush tothe Airport hoping to find my nephew everything was scam my nephew I learn later was in XXXX and XXXX XXXX XXXX disappears. 
I waiting from intermex with response to who took the money in XXXX XXXX XXXX XXXX with no avail My ph number XXXX XXXX XXXX XXXX XXXX XXXX Nv XXXX
Consumer complaint received 2019-07-12
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I recently tried applying for a Bank of America credit card and got a reply that I am declined because I have two delinquent accounts with them, one a fraudulent mortgage from Countrywide that was settled a long time ago through bailouts, I don't understand why they are holding these ancient, obsolete, fraudulent loans against me. The other is a line of credit they claim is called a gold line that I know nothing of I believe it's identity theft and asked for documents and signatures which they did not and said can not produce. They have no documents for either of these debts they claim I owe them. They claim to protect consumers from identity theft and be fair lenders and employers, I'm even an associate on leave with them and have received very poor service regarding this matter. I emailed  XXXX their recovery department and have not gotten any replies, I had to get a manager at a branch to call a manager with customer service to look into it and still haven't heard back and this is after I was endlessly transferred from one division to another over the phone and noone has still been able to resolve this. When you look at my credit report with experian XXXX XXXX  it's all  clean. What can I do to fix this? Bank of America knows well that Countrywide loans were fraudulent and got bailed out for their mistake so I shouldn't be held accountable for that. Secondly as a victim of identity theft how could I possibly have documents on a supposed line of credit I never signed for. They should have the documents and they are asking for me to produce them. That's ridiculous, I've asked them to send me the signed documents and they tell me they don't have them yet hold me accountable? Also they need to do a better job at communicating, I did not know of anything until I tried applying for a card, I never got any communication from them and still they are failing at communicating. Please help me resolve this matter, thanks.
Consumer complaint received 2023-03-30
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: FC HoldCo LLC (MS)

The company has been calling relatives and others regarding this debt. In early XXXX, around the XXXX, they contacted a cousin who lives in another state and who was not listed in the contract as a reference to my knowledge. They've also repeatedly called other relatives.
Consumer complaint received 2019-01-02
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I opened a checking and savings acct with the total balance of {$29000.00}. Because I opened the account on a Saturday I was told that I would not be able to access the money until the following Tuesday. That Tuesday morning I withdrew from the atm {$500.00}. Later that evening when I went online to check the account I was not able to log in. I called the number and was told that Chase did not want to do business with me and my money would be returned to me in 7-10 business days. It has been almost one month and I am still waiting for them to mail a check. Everytime I call I get a different story as to why my check has not been mailed yet. The phrase they want to use is it will be mailed in 3-5 business days. I have been told that at least 4 times to no avail. If you are thinking about Chase for your bank I would recommend keeping your money as far away from this bank as possible. The customer service agents are unbelievably rude. And are in definite need of customer service training.
Consumer complaint received 2021-03-07
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. (NY)

I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person
Consumer complaint received 2019-07-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (WA)

I was a victim of an online payday loan scam. I was specifically contacted by an impersonator that was stating that he worked for XXXX. He had offered to give me a loan for {$5000.00}. Put a small deposit into my account. Had told me to put a total of {$870.00} on a XXXX gift card. Then a couple days later took out the funds that he deposited. Causing my checking account to be overdrawn by {$870.00}.
Consumer complaint received 2024-02-08
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (OR)

In XXXX of XXXX I activated two phone lines with XXXX XXXX. In XXXX of XXXX I activated a third line. In XXXX of XXXX I disconnected that third line, but XXXX  continued to fraudulently charge my account for this line until XXXX of XXXX. In XXXX of XXXX, I disconnected the remaining two lines, but XXXX continued to fraudulently charge my account for these lines in XXXX of XXXX. My account was set up with auto pay so I didn't notice that I was still being charged for lines I had disconnected. In XXXX of XXXX, the card I had on my account expired, and XXXX couldn't continue to fraudulently charge me for services they were no longer providing. I was called repeatedly for months by XXXX  trying to collect a " debt '' of {$190.00}. I didn't respond, because to my knowledge, I had disconnected all of the lines and had paid all of my bills on time. When I finally realized what they had been doing, I called them and they offered to drop the amount owed if I paid immediately. I refused, as they had been stealing from me for months. They also told me that XXXX continuing to charge my card without my permission wasn't fraudulent.
Consumer complaint received 2018-01-26
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. (DE)

I was shocked when I reviewed my credit report and found late payment. I am not sure what happen but I believe I had made my payments when receiving my statements if they were not deferred. The accounts show incorrect late payments for the entire year of 2016 from XXXX to XXXX which are incorrect.
Consumer complaint received 2023-03-13
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (TX)

I regrettably entered into a contract with TitleMax who with great deception explained to me the conditions/terms leading me to believe this loan would be relatively simple and quick to repay and with a small flat interest rate. The employees undoubtedly took advantage of my lack of knowledge and experience. 
To my dismay I am unable to find the exact date I entered into this contract despite The fact that the website claims by downloading the app you're able to view your payment history.. Come to find out that is not true. Evidently when I make a payment each month towards my balance of what i thought was to take repossession of my title it is in reality only renewing the contract. That all on it's own is not at all what was explained to me and/or explained to my wife. I have asked in person for a payment record but titlemax has failed to provide this or any additional information or explanation whatsoever. I Would estimate I have been paying titlemax monthly for at least a year now, Which would total much much more than I ever would have dreamed I would be paying them and for something I already own. My vehicle has been repossessed by them one time as well which I had to pay over XXXX XXXX dollars to get back. The payment I am required to make every month fluctuates an average of XXXX dollars or so and it seems nobody at titlemax can give me a legitimate reason as to why. I am frustrated beyond belief with this loan shark of a company. There must be something I can do or by God 's grace and mercy someone able to help me. I feel there should be something in place to bring awareness and hopefully prevent others from falling into this trap.
Consumer complaint received 2023-06-07
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. (CA)

Dear CFPB, This letter is to inform you that I have become a victim of identity theft. There are inquiries on my Experian credit report which do not belong to me nor are they attached to any open accounts of mine. These accounts are hindering me from obtaining new credit and thus causing me much hardship. 

Please be aware all required documentation is within this packet and has been Faxed and mailed via Certified mail to the credit bureau Experian. 

In addition, I demand the following fraudulent inquiries be deleted from my credit report immediately. 
Please remove it from my credit report or Im seeking litigation please delete. 

I demand the following fraudulent inquiries be deleted from my credit report immediately. 

- XXXX XXXX XXXX XX/XX/2023 Please block and/or remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. 

Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Sincerely, XXXX XXXX