davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-27
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. (LA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-07-08
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. (FL)

ACCOUNT ISNT MINE, I AM NOT RESPONSIBLE OF THIS ACCOUNT, I AM A VICTIM OF ID THEFT. PEOPLE HAVE USED MY INFORMATION TO OPEN IT -XXXX XXXX XXXX ( {$140.00} )
Consumer complaint received 2023-04-07
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 (KS)

I received an alert from my credit monitoring app on XX/XX/2023 that a new account was added to my report. This account was opened XX/XX/2023. I did not apply for this card, nor did I receive it. The address they gave for the fraudulent card is XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX. I have never lived in XXXX XXXX.
Consumer complaint received 2019-09-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Lending Club Corp (TX)

Lending club sold their ( personal ) loan to me at 6 % interest rate, upon collecting my information and all the necessary documents I end up with 13.49 %, {$280.00} monthly installments for 36 months. 

After many unattended complains and service dissatisfaction, I called to terminate my business with them on XX/XX/2018. Lending club rep by the name XXXX from payment solutions department quoted a payoff amount of {$5000.00}, upon explaining my reasons and dissatisfaction with their service he finally agreed on a settlement of {$4800.00} with the following conditions : A certified funds in the settlement amount of {$4800.00} no later than 30 days must be in their office, and upon receipt, the account will be deleted from my credit report with all negative remarks. I demanded a written letter stating the above conditions, which he refused and he vehemently promised that lending club is a reputable company and would not put any thing in writing, rather after payment my report will be updated to reflect his promise to me. 

Unfortunately Lending club took advantage of me upon collecting the agreed payment of {$4800.00} ( cashier 's check ), they went back on their word harassing me every day at working with unending phone calls demanding a balance of {$260.00} contrary to the agreement they reached with me before making the final to close out the account and delete it from my report. 

Their derogatory information has denied me of my right to use my credit to apply for home loan mortgage, and many more setbacks due to their adverse remarks on my credit report. 

Because I was in doubt of XXXX 's promises, then I wrote a letter stating our agreement as the only condition for accepting and negotiating my cashier 's check payment.and make a copy of the letter enclosed with the payment to Lending club, and they cashed the payment and failed to fulfill their conditions.See the attached copy.
Consumer complaint received 2020-11-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc. (OK)

I have disputed this information with XXXX and of course it came back verified. On XX/XX/2019 original creditor vista village apartments notified me that I had an unpaid balance in the amount of {$550.00} due. My lease ended XX/XX/2019. XXXX XX/XX/2019 at XXXX I made a payment of XXXX towards the unpaid balance. Payment number XXXX. Total balanced left unpaid was {$440.00}. I was not notified by pro collect to collect this debt as well they are trying to collect {$900.00} when that wasnt the original debt owed.
Consumer complaint received 2019-09-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC. (PA)

Yesterday I received a call on my work phone from a private number at XXXX XXXX. I had another call at XXXX XXXX  ( again restricted ), XXXX XXXX, and XXXX XXXX from Midland Credit Management. They violated the Fair Credit Collection rules and are now harassing me at my place of work. I am making a formal complaint regarding their actions. They can not, according to the Fair Debt Collection Practices Act : a ) call me at work ; b ) threat or harass me ; c ) falsely claim legal action can be taken again me ; d ) contact me anonymously ; or e ) contact me after I specifically direct you not to. 

The person who contact me anonymously on XX/XX/2019 at XXXX XXXX  EST was unprofessional, rude, harassing, threatening, commented negatively on my character, and provided legal information that was inaccurate in an attempt to scare me into paying a debt that I have already paid. She indicated that this call was recorded but did not provide me with her full name, ID number, or contact information. If I were you folks, I would pull up the recording and listen to it she was seriously over the line, unprofessional, inappropriate, harassing, and quite frankly, rude and wrong. I have paid the debt to XXXX XXXX and informed her of such but she was really, really obnoxious. I finally told her to have a nice day and hung up but they are still calling.
Consumer complaint received 2018-11-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

In XX/XX/2018 I was a victim of fraud, someone across the US was able to make multiple charges that equaled {$490.00}. Bank of America said they resolved the issue and closed the investigation. However, on XX/XX/XXXX, Bank of America decided to deduct {$280.00} out of my account throwing my account into the negative claiming they double credited me in XXXX for the fraud charges and they took the money because it was theres. I was never credited twice by them. XX/XX/XXXX my bank account was again hit with a fraud scam with the scammer deposited a fraudulent check into my account as well as accessing my account. Bank of America locked my account, which I had {$260.00} available in my account, threw my account to XXXX!!!! I have been calling and telling them I want this account closed because I was not being protected and they refused to close the account. XX/XX/XXXX at XXXX my account balance was XXXX, I called and told them to close the account and the woman told me she couldnt close my account because I had a deposit pending. I explained to her that the fraud department assured me that they took care of that fraud scam. She said there was nothing noted on my account about the fraudulent check!!! Right after I got of the phone with her I look at the account balance and it went from XXXX to - {$170.00} right after the call. Im tired of them stealing my money and not protecting my account. Ive spoke with numerous people and get no help and told its my fault!!
Consumer complaint received 2022-07-26
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (TX)

On XX/XX/2021. 
I requested information about a loan on a website. Rapidly the representative from Loan Depot XXXX XXXX, called me to offer their services. With the initial response that Loan Depot was one of the major lenders in the US. 

I told him I was looking for a XXXX loan to cover expenses related to attorney fee 's due to a lawsuit to recover Child Support money owed to me from my daughter 's father who is passed due about $ XXXX. 

I told the agent that I had just re-finance my home two years ago and I knew my credit was not the best and I was working on getting this repaired. 
He mentioned that my debt to Income was too high, which I understood because I'm self-employed and when doing my taxes I expense all of my business related expenses that minimize my income. 
He tried to continue to reach to me but since I had to attend other things in my life. I was not able to finish talking to the agent. I received several text messages from the loan officer. I responded that I was still interested in following up our conversation but I had not time at the moment. 

Today XX/XX/XXXX, exactly a month after I called the representative. I received a Loan Estimate with a Re-Finance at a higher rate of 5.3750 % for 360 months, with an adjustable rate of Initial Period to first Adjustment 84 months, and subsequent adjustment period of 6 months. 
XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX I tried to called the agent which did not responded. So I submitted and email to him explaining him that I had not accepted for them to first run my credit, furthermore to continue with an application for an ARM Mortagage that has a higher APR that I at the moment paying. Furthermore, the total amount for closing includes points which I never requested, in addition to the loan estimate is incorrect in both the liability and the assets section which is also a disregard for the customer 's request. 

The main reason why I'm writing to you is also because they send me the documents to sign via e-sign, however the button " I Do not consent '' can not be pressed even unchecking all the boxes. The only option is to accept the agreement. In this day where the online presence makes it easier for consumers to do things, in this case they take advantage and only allow the conveniently for them to say yes. This type of practices jeopardizes our less savvy computer citizens. Luckily, I have a little more knowledge and took a screenshot of such practices. Please look into this matter, it is not ok that just because they are trying to close a loan that they don't consider the best interest of the customer as per Tittle X this practices are deceptive, unfair, and reckless.
Consumer complaint received 2021-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: HireRight Solutions, Inc. (NJ)

Hello, on XX/XX/2021, due to incorrect information on the backround check performed by HireRight I was fired from my job after being there almost 6 months. Furthermore, after applying for another job at XXXX another backround check was done by XXXX XXXX which again showed inaccurate information. On three occasions I was denied employment, and or, fired from my job due to inaccurate information on the backround check. Although I never denied having a criminal record, for which said crimes I served time for and paid my debt to society, I was never convicted of XXXX. I went to trial for XXXX and was convicted on XXXX XXXX. As you will see, my backround checks on the above occasions erroneously states I was found guilty of XXXX which I was not.
Consumer complaint received 2022-07-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX HAS PULLED MY CREDIT 2 TIMES XX/XX/2022 XX/XX/2022 I DID NOT GIVE XXXX XXXX XXXX THE PERMISSION TO PULL MY CREDIT. THIS INQUIRY IS FRAUDULENT AND MUST BE REMOVED IMMEDIATELY. I HAVE TRIED REACHING OUT TO CREDITOR AND TRANUNION WITH NO RESOLUTION OR PROOF/VALIDATION OF AUTHORIZATION.
Consumer complaint received 2020-09-23
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Thrash and Thrash, PLLC (MS)

A few of years ago in XXXX or XXXX I took a {$300.00} payday loan online. I then fell on hard times and couldn't pay it back. My payday loan was then turned over to collections and picked up by Thrash and Thrash PLLC. I have been paying them {$85.00} a month for the past year totaling over {$1000.00}. Even during the pandemic when I lost my job, I still tried my best to make a payment and I called and spoke with personally if I couldn't. Then on XX/XX/XXXX I get a letter from them offering me a " settlement. '' Again, the initial debt was from a third party and was {$300.00} in entirety. Thrash and thrash sent me a letter offering to settle my account for {$2600.00}. They claim the full amount is {$3300.00}. If I don't pay this amount they will continue to compound the interest again and again preventing my from ever been able to pay it off. Also, if I stop paying, they will threaten to garnish my wages and add derogatory remarks on my credit even though I've already paid them over {$1000.00} when my initial debt was on $ XXXX.I need help. My car didn't even cost {$2600.00}. I can't afford to continue paying them all of this money when the debt should have been settled at this point. This business is literally robbing American people. It is also a gross misuse of power and disgusting to ask someone to pay so much for a {$300.00} debt during a pandemic or at all. Everyone is struggling but they literally do not care and must be stopped.
Consumer complaint received 2022-07-26
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: Resurgent Capital Services L.P. (TX)

I sent letters to the creditors and bureaus stating that I am a victim of identity theft and they sent me a letter back claiming that it may have been a " mistake ''. So... I am sending this out AGAIN! This is not a mistake or a frivolous dispute The accounts are XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK
Consumer complaint received 2019-09-05
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. (VA)

I voluntarily repossessed my car in XX/XX/XXXX. I filed bankruptcy shortly after. The remaining debt was forgiven as part of the bankruptcy. I have not made any payments on the vehicle since XX/XX/XXXX when it was repossessed. This loan appeared on my report in XX/XX/XXXX. It dropped my score over 100 points. I do not know why this populated onto my report 10 years after the fact. I contacted the lender and they indicated that they have no idea why that happened, they show the car was repossessed in XX/XX/XXXX and no payments have been made since and I need to take it up with Equifax. I then filed a dispute with Equifax and they determined after a 5 day investigation that they were not going to remove the debt. I asked them to reopen the investigation, reach out to the lender and to give me the information of where this can be reported to file a complaint. They would not provide me any of those things. Now I am stuck with a invalid debt that is almost 11 years old on my report because Equifax has refused to take it off.
Consumer complaint received 2017-02-03
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Municipal Collections Services, Inc. (IL)

Insufficient effort was made to notify me of my debt. As a result, I did not receive notice of my right to dispute the debt, which is required by law. The first communication I received regarding the debt was a notice of license suspension received from a tenant at a very old address who tracked me down ( apparently they are better at skip-tracing than MCSI ). 

The phone number that was used to attempt to contact has not belonged to me for over a decade. No further attempts, that I am aware of, were made. 

When I called to request this information be forwarded to my correct address withing five business days, my request was refused. 

Please see the attached document for a record of the notification ( Dated XXXX/XXXX/16 ) mailed to outdated address.
Consumer complaint received 2019-09-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (TX)

I had a Citi ThankYou Preferred Card, and I had not been using the card for a very long time. There was an unauthorized charge posted on my account on XX/XX/XXXX for {$14.00}. Since I was out of country at that time, I didn't receive the bill and was not aware of the charge at all ( since I did not use that card for years ). So after three  months and two unpaid bills ( the {$14.00} was the only charge on these bills besides interests and fees ), the bank closed my credit card account. At the same time they closed my ThankYou reward account associated with the credit card and forfeited over 120,000 reward points accumulated during the last ten years. After I come back home in XX/XX/XXXX, I noticed this issue and immediately contacted Citibank and the ThankYou reward program. I told them that the charge was made in error, I should not have any bill and my credit card should not be closed. I was told that the reward points would be recovered once my credit card was reactivated, and the credit card could be reactivated if the bill was paid. So I paid the bill in full immediately, filed the dispute with unauthorized charge, and ask for reactivating my credit card. The dispute was resolved in my favor on XX/XX/XXXX, however, my credit card has not been reactivated till now. I contacted Citibank several times and each time they simply asked me to submit an application for reactivation, and then declined my application because there was an unpaid bill. It is very ridiculous because the only unpaid bill was the {$14.00} charge, which has already been disputed. Now I my over {$120000.00} reward points are still taken away. I have been a Citibank credit card customer for more than 10 years and never had any problem before. I just dont understand why I was punished for something which is not my fault. I felt that I was treated unfairly probably because I am not a XXXX XXXX and I could not speak XXXX fluently? I just want to get my reward points back. Please help me with that. Thank you.
Consumer complaint received 2018-11-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I checked my credit back in XX/XX/XXXX and I found that I had 5 inquiries that I did not give them permission to check my credit .I contacted Transunion about this 4 times and they refuse to reinvestigate my issue and provide a signed contract. I ask them for the companies below : 1. XXXX XXXX XX/XX/XXXX 2. XXXX  XX/XX/XXXX 3.XXXX XXXX  XX/XX/XXXX 4, XXXX XXXX XX/XX/XXXX 5. XXXX/XXXX  XX/XX/XXXX
Consumer complaint received 2022-07-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (MA)

This complaint is regarding accounts. Per track, it's been several months with no information given, no investigations performed, and timely updates. Violates federal 15 USC 1692gf. I never authorized or given permission per 15 U.S. Code 1681 ( b ), which violates permissible purposes moreover, 15 U.S. Code 1681e ( B ) The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reported.
Consumer complaint received 2023-06-10
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. (GA)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Account Name : XXXX XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2020-07-30
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

Hi Dear customer service, I received an email from XXXX XXXX that my XXXX XXXX  sent a 30 days late payment to all 3 credit Bureaus. Let me first explain my situation. I closed most of my credit carts about 2 years ago through XXXX XXXX XXXX 's department. Every month I am paying them the amount that creditors agreed with them. During the Covid 19 I was not able to pay the full amount due to my financial hardship. It was the first time that I paid less amount to my credit card companies. However, I have already paid the full amount and make them current. The only bank that didn't remove my late payment is XXXX XXXX. I have already made a disput with all 3 credit bureaus and received an email from them that they are unable to remove the late payment from my history. Today I called to XXXX XXXX  and humbly request them to do something for me and ask them to let me to make a disput with them, but they said they are not able to do anything for me. I told them I have already spoken with their customer service department and explain them I am not able to pay my full amount but the supervisor told me they have never received a call from me. I swear to God I talked with them a month ago and explained them why I can't pay the full amount and they accepted it. Now, they say I have never talked with anybody in their department which is so weird. I humbly request you to understand my situation and do something for me. I have never had any credit problems with any companies before and this late payment really bothers me. Because of the late payment report my credit score dropped by many points and I am really sad that why I was not able to pay the full amount to them. I thought that XXXX XXXX will understand my situation and remove my late report because I am sure that this might happened to many people during this Covid 19 pandemic.