davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-10
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (VA)

I received an email about a loan I do not owe via a loan company I paid off years ago and was good standing with. 
The email was from ACE Legal Group of Attorneys claiming that the Attorney was XXXX XXXX and that I had to pay or was days away from being taken to court. 
I also received another email from ACE also from another loan company I have not seen in years claiming that XXXX XXXX XXXX was an Attorney for that case. 
I googled these two and the Law firm and found myself here. 
Please inform how they got my email and past loan information. 
Thank you
Consumer complaint received 2018-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I have disputed the late payment on this XXXX XXXXXXXX XXXX for months. XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2018-10-18
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 am a victim of identity theft. The accounts XXXX XXXX XXXX and XXXX CARD which appear on my credit report, does not relate to any transactions that I have made. It is the result of identity theft
Consumer complaint received 2022-06-15
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. (FL)

n accordance with the Fair Credit Reporting Act, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX have 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
Consumer complaint received 2019-08-29
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I spoke with a gentleman with your company asking him to send me all my statements pertaining to the credit card that I have with your company. I received the package in the mail on XX/XX/XXXX and when I opened the package the dates of the statements were only from XX/XX/XXXX through XX/XX/XXXX. I also have the latest XXXX Credit report that was sent to me XX/XX/XXXX. Listed is all the information on your company CAPITAL ONE BANK USA NA Date opened XX/XX/XXXX. I called Capital One XX/XX/XXXX at XXXX XXXX and spoke with a representative named XXXX explaining to her that I did not receive all of my statements that I asked for. XXXX then put me on hold and then came back to the phone and told me that she could only send me Statements from XX/XX/XXXX throught XX/XX/XXXX and I would receive them in 7-10 business days. I then asked her why can't she send me my statements from XX/XX/XXXX through XX/XX/XXXX? She told me that they no longer exist in their company. I then said they have to exist somewhere, and I am requesting the statements to be maailed to me along with the ones you are sending me. XXXX then tells me that I will have to have a Power of Attorney send a letter to them requesting my statements from XX/XX/XXXX through XX/XX/XXXX and they have to include in the letter my full name, address, social security number, and date of birth to this address : Capital One XXXX XXXX XXXX XXXX XXXX XXXX, Utah.
Consumer complaint received 2018-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (WA)

On XX/XX/2018 I received a phone call from XXXX, there was an automated voice that said to speak to someone about getting 9 % off credit card balance press a number. I pressed that number to speak to someone to cancel my credit card. A live person spoke to me and said I owed {$1000.00} on my card, I said I do not owe any money on my card and asked if they were with Chase bank, he said he was, I asked for his name he said " XXXX XXXX '' and then he started to swear at me vulgar things so I hung up. I then called Chase bank and reported it to them, they said the person who called me is not a representative of Chase bank.
Consumer complaint received 2018-12-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (IL)

I have had extreme difficulty with Chase Bank presenting a reasonable modification agreement for my mortgage, which had gone on for some time. I had a modification application entred in to Chase in XX/XX/2018. I had not received any updates or request for more information, but I have sent in updated pay stubs over the past months. Chase put my house up for sale and executed a sale on XX/XX/2018, but I have never received any communication directly to me about the status of my modification application. They did not call or send my any request for information or any indication of the modification decision, yet they went ahead with the sale. Also the property as sold for {$47000.00}, which indicates that they had room for a reasonable modification agreement even with principal reduction. I wish for this to be investigated as I have had this problem with Chase for some time, but time they did something different by not sending me any notification of my modification application status, and selling the property for {$47000.00} which seem to mean there was an opportunity for a modification .By not notifying me of the modification application status i had ot chance to respond or request a second review before the sale.. Kindly look into this matter as Chase has been very unreasonable throughout this loag lasting ordeal. Thank you in advance
Consumer complaint received 2018-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I have disputed the late payment on this XXXX XXXX XXXX for months. XXXX and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender,  financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX  on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2021-10-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Circle Internet Financial (MT)

On XXXX XXXX I recieved email offering me crypto loan through Poloniex to be used in trading I inquired about loan and was asking about loan terms and restrictions. While I was asking my questions about terms and restrictions I found terms were unacceptable for me and I informed the operator that the terms would not work for me. During this conversation she apartently was processing the " loan '' during the middle of conversation she informed me loan was processed. Even though I informed her several times terms were unacceptable. She insisted I had to take loan and she could not cancel loan even though I was refusing loan as terms were unacceptable. We carried on conversation for long period of time where I advised her I was filing complaint with you and any action I could in court.
Consumer complaint received 2021-10-24
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AR Resources, Inc. (AL)

I was checking my credit report because I'm in the process of buying a house when I found out two days ago. The collection company 's name is AR Resources Inc, and the original creditor is XXXX XXXX XXXX. I have no idea who these people are. They are charging me {$750.00}. They reported the inaccurate and fraudulent debt to the credit bureau agencies. They requested a filed report from CFPB to delete the items. 
Please advise
Consumer complaint received 2020-07-25
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: BMW Financial Services NA, LLC (VA)

I am writing for immediate assistance as I am furious with BMW and XXXX regarding erroneous and incorrect credit reporting done on my account. 

On XX/XX/2020 the loan on my XXXX XXXX account ended. I contacted BMW and was told that I had the option of paying the car off in balloon payment, getting a new XXXX or refinancing through your third party refinance company XXXX. I was told by BMW that I had 30 days from XX/XX/XXXX to make a decision before any credit reporting would be done. On XX/XX/XXXX I contacted XXXX as I decided to apply for a refinance for this vehicle. This refinance was approved on XX/XX/XXXX. I specifically asked and was told that as of this date, XX/XX/XXXX, that my account would be placed in a hold status with BMW and no negative reporting would be done as the account was in a refinance status. So to my surprise when I wake up this morning and see that BMW has reported me as 30 days late on this loan and caused my credit score to drop 47 points. I am completely furious and demand this is corrected immediately. 

The facts of this are below : On XX/XX/XXXX the old Account expired. I contacted BMW for options to keep the car or get a new car and was referred to XXXX. 

I applied for the refinance of the XXXX and was approved on XX/XX/XXXX by XXXX. I asked the representative on this call and numerous times after if I would be reported as late by BMW and was told NO I would not be reported late as the account was placed in a hold status on XX/XX/XXXX. 

On XX/XX/XXXX the loan with XXXX was initiated. 

On XX/XX/XXXX BMW received the payoff for the old loan. 

New loan began. 

I am demanding that BMW correct my credit report immediately or I will seek legal action against BMW and XXXX for this erroneous and incorrect reporting. Please respond with your intent to have this corrected immediately.
Consumer complaint received 2022-06-15
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (FL)

I was told I was behind on my escrow account and taxes. My home insurance was cancelled without my knowledge, however, I received a letter Saying they cancel it due to default. I called my mortgage company ( rocket mortgage ) to see if I can keep my mortgage rate the same and I was told by XXXX, a representative there that I would have to pay XXXX. Dollars. I paid this and my mortgage bill which was XXXX. However, a couple of days ago I am sent a email saying my mortgage is XXXX, I wrote to this company before and didn't receive any help last month, it was about 2000 rocket mortgage trying to make me pay every month. Why did I pay XXXX to keep the payment down. But it still with up. I am charged almost XXXX for home insurance by rocket mortgage, but I had insurance through XXXX XXXX that was canceled through their neglect, once my home was burned down. This is unethical because, every year they try to find a way to rise my mortgage payments. I am A XXXX percent XXXX veteran that doesn't suppose to be paying taxes. And my Escrow account is not being properly used.
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I have sent two notarized affidavits ; one dated XX/XX/2022 and another dated XX/XX/2022, requesting verification of an unverified account my credit report per my rights under the Fair Credit and Reporting Act. As of today XX/XX/2022, I have not received any verification.
Consumer complaint received 2022-06-15
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. (FL)

in accordance with the Fair Credit Reporting Act XXXX  XXXX  XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX  XXXX Account # XXXX have violated my rights. 

15 U.S.C 1681section 602 A. States i have rights 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
Consumer complaint received 2021-11-13
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I contacted the CAPITAL ONE its has been more than 31 days and they have no proof I initiated such inquires not written authorization and have failed to provide any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these inaccuracies. According to section 604 of the Fair Credit Reporting Act permissible purpose of consumer reports 15 u.s code 1681b in general. Subject to subsection ( e ) any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER. ( f ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is INITIATED BY THE CONSUMER. Under 15 usc 1681i, paragraph ( 5 ) treatment of inaccurate or unverifiable information ( a ) in general. If after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) PROMPTLY DELETE. The following inquires are unauthorized : CAPITAL ONE XX/XX/XXXX CAPITAL ONE BANK XX/XX/XXXX.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I reached out to the credit XXXX and XXXX regarding this identity theft Acct being added back to my account. I was told by an manager at XXXX that XXXX provided them with evidence that the account is mine. When I asked to be supplied with the same information I was told that the information could not be provided to me and that the account would remain on my credit profile. On Tuesday XX/XX/XXXX I was given a number by the XXXX manager to call XXXX at XXXX. I spoke with a manager there who informed me that the account was actually not mine and the information that had not matched. The manager at XXXX stated that this was a business account I am not a business owner. Mailing, Phone or email. I was told that they would reach out to the bureaus to have this information removed from my account. Yet it has been added back again today. I have been a victim of Identity theft back in XXXX. I have had an Identity alert on my account for $ years now. And all of sudden an account that is 3 years old from an business is reflecting on my account
Consumer complaint received 2019-01-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: DFC Global Corp. (CA)

I took out a personal installment loan for {$5000.00}. I realized it was at a high interest rate but never did I realize the excessive rate. I have a payment of {$550.00} per month and yesterday I found out from the creditor that only {$10.00} per month of that is going towards principle. I would have NEVER taken the loan if I had known that was the case. It was not explained to me in the loan process. 

I TOTALLY realize that there are a lots of places out there like this one. I have  had them before but never to this extent. 

My complaint is that creditors should first of all explain this upfront in the loan signing process. Our government laws should but NEVER allow companies to rip off people this way. My credit scores are low but I do make my payments. 

I also want to know the organizations and/or government agencies that are working on correcting this abuse to consumers so that I can follow up with them. 

I will also be sending a letter to congress voicing my option. 

Any information that you can provide me to get involved in stopping this is greatly appreciated.
Consumer complaint received 2018-12-10
Product: Checking or savings account — 
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: REGIONS FINANCIAL CORPORATION (TN)

I had two line of credits, its showing as a hard inquiries. I got the credits lines to build my credit but somebody told me I didn't need to have two credit lines to build my credit so I closed them out. I never even used the lines of credits. now I'm stuck with a hard inquire that wont seem to go away and its been almost 3 years now. i was young and trying to build credit but in the long process it hurt me because I closed them out.
Consumer complaint received 2020-07-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ALLIANT CREDIT UNION (NJ)

On XX/XX/XXXX, of this year I applied for a loan though Alliant Credit Union 's online application to refinance my current mortgage, later that day I received an email from XXXX XXXX requesting further information to complete the application. 
I swiftly provided the requested information and subsequently received another email from Mr. XXXX verifying my base salary, he also stated I have you approved and attached todays loan summary. Mr. XXXX requested a few minutes of my time to lock in the rate and review next steps. I replied to his email asking him to call me at his earliest convenience which he did shortly after. 

As soon as Mr. XXXX heard my voice he immediately tried to talk me out of continuing with the loan process, he asked what was my position at XXXX XXXX and I stated that I was a XXXX XXXX  ( this information was on the loan application. ) He then stated that because of my reduction in hours I would not be approved for the loan ( we had no prior discussion about reduction in hrs. ) I asked why he assumed that I had a reduction in hrs and told him that I was not laid-off or on any type of leaves and was not experiencing financial difficulties. I then explained to him that I chose to be on call due to the fact that I would not be XXXX  as much during covid-19 but I am still receiving my pay from XXXX XXXX. I also advised him that I had recently paid off my car loan with Alliant before that end of the loan which is not the actions of someone who was in financial distress. 

I was astonished at the fact that Mr. XXXX had seemly changed his mind about approving me for the loan after calling me. My credit score was still over XXXX and my year to date earnings was still $ XXXX. The only new information he gained from the call was that I am XXXX American, I had to convince Mr. XXXX to continue my loan process which he claimed he would do, but he also had a warning for me that I could loose the {$420.00} which I would be paying for the appraisal if my loan was denied.
Consumer complaint received 2018-12-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (MA)

Im in complete shock about this negative item that continues to appear on my credit negatively. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2019-03-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I filed an EFT claim with Wells Fargo Bank. The claim was investigated and It was determining that an error did occurred on my account. However my account was closed with no explanation and I was told that I can not open a new account with Wells Fargo. I would like an explanation for the closure & an explanation as to way am not allowed to open a new account. I strongly believe that Im being profiled & labeled by Wells Fargo Bank base on my age & race.