davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-30
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: CHECK INTO CASH INC. (VA)

In XX/XX/XXXX, I opened a line of credit as a temporary measure for upcoming bills. The APR was astronomical ( 299 % ) and was difficult to pay off, but I did so by XX/XX/XXXX. I called in, finalized my last payment, and asked to close the account. I was assured the account would be closed. I also asked if there was any interest that had not been shown on the last statement which might accrue after the next billing cycle. I did this to prevent any unknown charges going forward. Again, I was assured that all the outstanding interest was taken care of with the last payment, and that the account would be closed. I asked these questions more than once, to avoid any miscommunication. I never received any correspondence stating the account had been closed, but didn't hear anything further and checked my account after the next bill had cycled and no further interests or payments were due. However, after almost 9 months of no communication from the Check Into Cash company, I received an email onXX/XX/XXXX stating I had am upcoming minimum payment of {$10.00} due onXX/XX/XXXX. I received another email this morning ( XX/XX/XXXX ) concerning the same {$10.00} payment due on XX/XX/XXXX, and the email encouraged me to log onto my account and to make a payment. It was at this point that I called the company, and was transferred twice between various departments, finally speaking with a gentleman named XXXX. XXXX did some research and said it appeared that a {$10.00} membership fee had been posted to my account due to a technical error. He couldn't really explain how this error occurred, he said it was something that was missed by the person who closed my account for me. What if I had closed that email address, and this {$10.00} increased with interest and affected my credit?
Consumer complaint received 2018-08-30
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: EQUIFAX, INC. (NY)

After checking my credit report, I notice a lot of hard inquiries. 

So I called Equifax and ask them to delete it from my credit report, their customer service would not help me and take care of this negatives inquiries. Telling me to call each company and request them to send Equifax a document asking them to delete it from my report. 
This is the list that I want it to be removed XXXX XXXX XXXX   inquiry fromXX/XX/XXXXXX/XX/XXXXXXXX inqury from XX/XX/XXXXXXXX XXXX inquiry from XX/XX/XXXX XXXX  information XXXX inquiry from XX/XX/XXXX XXXX XXXX inquiry XX/XX/XXXX XXXX   inquiryXX/XX/XXXX XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX XXXX  inquiry from XX/XX/XXXX All this hard inquiries are hurting my credit score, and I need to remove it, i believe them to be frauds.
Consumer complaint received 2020-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX XXXX, Department of Edu XXXX & XXXX XXXX, are duplicated so many times that there's a total of 21 accounts reporting all inaccurately reporting information too. 
XXXX XXXX & XXXX are both past 7 year reporting.
Consumer complaint received 2019-01-09
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (PA)

XXXX XXXX has report a {$710.00} debt on my credit report. They did not verify any information that I have asked of them showing a contract where I was obligated to pay this debt. I no longer have service with XXXX and I do not owe any debts to XXXX, they have not provided me with any proof of debt and I disputed this information by mail within the 30 days that I received their letter. I do not owe any debts XXXX XXXX XXXX because I received no services to them and I have no obligations with them to try to collect from me.
Consumer complaint received 2018-08-30
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I've disputed online via my Experian credit monitoring service. I've also sent in writing via certified mail a request asking the form of verification in which I received no reply. I then I resent the letter plus I called and asked for method of verification and they still won't supply me with it, only stating the the creditor has verified it's being reported correctly. I did receive a letter from the collection stating the account is open, or documents.
Consumer complaint received 2018-08-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Convergent Resources, Inc. (TX)

XXXX XXXX IS A COLLECTION AGENCY THAT IS STATING I OPENED XXXX CELLPHONE ACCOUNT XX/XX/XXXX I HAVE NOT OPENED AN ACCOUNT WITH XXXX AS IVE HAD XXXX. I USED TOO HAVE XXXX YEARS AGO BACK INXX/XX/XXXX. ACCOUNT NEEDS TO BE DELETED AS IT IS FALSE INFORMATION ON MY CREDIT REPORT. AMOUNT STATING OWED {$1100.00}.
Consumer complaint received 2018-08-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (IL)

Hello, I previously had a mortgage with XXXX XXXX XXXX. Upon the loan being transferred, I completed a loan modification. The loan mod was supposed to eliminate XXXX. I am under water by over $ XXXX. Well, the loan was transferred to Carrington Mortgage. The terms of the loan modification did not carry over to the new lender. Now, the XXXX, that was supposed to be forgiven once I came out of the loan modification. That never occurred, additionally, XXXX  XXXX XXXX reported the mortgage late the entire time. Thus my home is still under water and the XXXX k was never forgiven
Consumer complaint received 2018-08-30
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP (CA)

I had deposited a check for {$13000.00} on XX/XX/XXXX in my saving account number XXXX with US Bank in XXXX XXXX, CA branch. Check was from credit card from XXXX XXXX XXXX. XXXX XXXX XXXX real SED the check to US Bank on XXXX.on the day of depositing US Bank gave me a letter that would release as two part that the last part would be XX/XX/XXXX. I tried to transfer if part suposdy is realer while ago to my checking account but didnt let me do. I called customer service they sent me to branch! In branch about two hours I tried to see why I have no access to my money, even I asked them several times to close my account verbally and by faxing them in written. Then they called to my sister that had no business on this saving account and gave up my privet information to third party. 
I have right to close my account anytime I want. But US BANK IS AGAINST LAW NOT ONLY DENIED MY LEGAL REQUEST BUT HOLDING MY MONEY AGSINST MY CONSENT FROM XX/XX/XXXX and causing fainacial and social damage to me and my reputation. 
They should not only close my account upon my request but also pay me interest plus APR and punitive damage they have did.they should be punished for breaking law and limiting my right in accordance with constitution and federal laws and state law.
Consumer complaint received 2018-04-04
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. (TN)

I have filed a dispute with XXXX, Transunion, & XXXX   about information being reported on my credit that is not mine. I also spoke with my local court who informed me that they did not report a bankruptcy or any other information about me to the credit bureaus or anyone else. I don't feel as if they should be able to report inaccurate unverified information about me that is tarnishing my credit. I want this issue resolved immediately.
Consumer complaint received 2018-08-29
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: Experian Information Solutions Inc. (GA)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX ( XXXX : XXXX XXXX   : XXXX ) XXXX XXXX XXXX XXXX XXXX ( Experian : XXXX XXXX   : XXXX ) XXXX XXXX XXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX : XXXX ) XXXX XXXX XXXX ( XXXX  : XXXX ) XXXX XXXX XXXX XXXX ( Experian : XXXX ) XXXX ( XXXX : XXXX Experian : XXXX XXXX : XXXX ) XXXX  XXXX XXXX XXXX ( Experian XXXX ) XXXX ( XXXX : XXXX Experian : XXXX XXXX  : XXXX ) XXXX  XXXX ( XXXX : XXXX ) XXXX XXXX XXXX XXXX ( Experian : XXXX ) XXXX XXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX  : XXXX ) XXXX XXXX  XXXX ( XXXX  : XXXX Experian : XXXX XXXX : XXXX ) XXXX XXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX : XXXX ) XXXX XXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX : XXXX XXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX : XXXX ) XXXX XXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX : XXXX ) XXXX XXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX  : XXXX ) XXXX XXXX XXXX ( XXXX : XXXX XXXX : XXXX ) XXXX XXXX XXXX ( Equifax : XXXX Experian : XXXX XXXX  : XXXX ) XXXX XXXX ( XXXX  : XXXX Experian : XXXX XXXX : XXXX )
Consumer complaint received 2018-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BBVA FINANCIAL CORPORATION (FL)

I am currently a Bbva customer, I have been charged nsf fees in the amount of $ XXXX.They stated that I didnt have funds available. As a matter of fact, I had more than available funds in the account to cover the transactions. This bank is operating just like XXXX XXXX used to do, they hound you like crazy when you go into their branches and when its time for them to resolve an issue for a customer, theyre no where to be found.
Consumer complaint received 2018-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BBVA FINANCIAL CORPORATION (IL)

I opened an account with XXXX which is part of BBVA compass as per the bank statement I receive. They had a sign-up bonus of XXXX . I have met the terms of promotion. They still have not deposited the XXXX $ and don't give me a good response when I contact them. They have stopped responding all together now. This is a breach of their terms.
Consumer complaint received 2022-07-09
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXXr # 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 stated a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

On XX/XX/2023, I received a text message from Capital One thanking me for giving them my phone number to get info about my account. I didn't have an account with Capital One, but I thought it was just spam. Then I received a notice from my credit card company that my credit had been checked when I hadn't applied for anything. I looked at my credit reports and it was Capital One. I called them immediately to report that this card was fraudulent. It took many calls and long hold times to get this established. Since it was the first day the card had been issued, there were no charges on it so it was easily disputed and they cancelled the card. Subsequently, I've spent many hours getting this inquiry removed from the three credit reporting agencies and freezing my credit. 

My complaint is that I have tried to get information on the application for this card. I wanted to be able to figure out if my identity was stolen and whether I should worry about other fraudulent activities. Capital One has been very uncooperative in sharing any information about the application. First they told me it was confidential information. They spent a lot of time trying to reassure me that the card had been cancelled and I wouldn't be held responsible for anything. Essentially, they told me I should be satisfied and let it go. When I found out that they have to share that information by law but by mail, I asked them where I should send the request. Then they said I could get the information from the credit reporting agencies who said I had to get it from Capital One. 

A few days or so after I cancelled the card, I received a card in the mail from Capital One. I called again to verify that, in fact, this card was cancelled. They said yes and so I tried to activate it to make sure, and I could not activate it so I'm satisfied that it's cancelled. However, I couldn't understand if someone had fraudulently applied for this card, why would they use MY phone number and address so that everything came to me? I suspect Capital One issued this card without my request and that is why they won't share the application information. If that's the case, they should be held accountable.
Consumer complaint received 2022-07-09
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 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
Consumer complaint received 2024-03-05
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: EQUIFAX, INC. (SC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2022-02-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Afterpay US Services, LLC (NC)

I made a XXXX XXXX XXXX XXXX  online purchase using Afterpay. I returned the order and Afterpay continues to try and collect for the balance of the order, even after I informed them of the return. Just today, Afterpay had a debt collector to contact me requesting payment of the balance.
Consumer complaint received 2018-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

XXXX XXXX with Capital One references a check deposited from a XXXX XXXX and the account, a XXXX XXXX XXXX, linked to my 360 checking at one time as supposed proof I received funds from a check issued by Capital One..The check in question in the amount of XXXX, was intercepted while I was away, my signature forged on it and cashed to the XXXX XXXX XXXX . A XXXX XXXX is trying to imply that the one time linking of my account to XXXX XXXX XXXX and the check deposited from XXXX XXXX to my Capital One account is proof I received funds.. My signature was forged on the check, I was in XXXX XXXX at the time, from XX/XX/XXXX to XXXX. A XXXX XXXX picked me up, drove me to XXXX XXXX XXXX for my flight. I can get a statement from this person as well as a copy of Hotel stay showing I was not available to receive, sign check, cash it and receive funds. Needless to say, the information provided from XXXX does not prove receipt of funds. The XXXX XXXX XXXX account was linked fraudulently, it was removed by a Capital One rep shortly after. The check which she references as deposited to my Capital One account from XXXX XXXX 's account occurred well before check in question was even sent out, on or around XX/XX/XXXX. Failing to reach a resolution, a suit needs to be filed. I've requested the address to mail a notice of suit to, XXXX replies with a third party web-site which I will not visit. I understand this third party is responsible for filing of such suit, however, Capital One needs to provide the address to send to, I wont do their work for them. I would also request solid proof I in fact cashed the check and received funds from, which they do not have. If they check signature on file, they will see the check they resent on or around XX/XX/XXXX was not signed by myself, they can compare it to the prior check which was in fact received by myself on XX/XX/XXXX, deposited to my XXXX account and they stopped payment on in error. .Had they left well enough alone, allowed more time, stop payment would not have been necessary. in closing, please advise XXXX/Capital One it would behoove them to resolve this rather than continue to receive complaints.
Consumer complaint received 2023-03-17
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. (AZ)

This noticie is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 
XXXX XXXX 15USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer. ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title. A consumer agency reporting shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. The following inquiries are a result of Identity Theft and was not initiated by me. I demand they are DELETED IMMEDIATELY.
Consumer complaint received 2022-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Avant Holding Company, Inc. (NJ)

I made a few late payments to my Avant credit card on the following dates XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX of XXXX  due to Covid. My family struggled to support for each other during this unexpected crisis and some of my payments were made late. Once I was able to adapt to Covid, all of my payments were up-to-date. My credit score suffered greatly from this pandemic which was out of my control. I called Avant to see if the late payments can be removed from my credit report due to a global pandemic and they refused. I would like to reach a resolution to have my late payments that occurred during this global pandemic removed from my credit report from all 3 credit bureaus ( XXXX, XXXX, and XXXX ) so I my credit can reflect my capability to manage my credit and finances without the influence of a global pandemic that has caused many Americans and other countries across the world to suffer greatly. Thank you.
Consumer complaint received 2018-08-29
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: Experian Information Solutions Inc. (AR)

InXX/XX/XXXXI disputed an inaccurate account with Experian the account which is XXXX XXXX # XXXX. Experian investigated and it came back verified. in XX/XX/XXXX I sent in a certified letter to Experian for a Method OF Verification,,, this is my right to see and look over and see who verified the account with the credit bureau and the creditor. I have enclosed a copy of the letter that was sent to Experian via mail certified and the mail receipt that they received the letter, The letter datedXX/XX/XXXX sent on XX/XX/XXXX Experian got the letter on XX/XX/XXXX,,, i have copies of the delivery receipts On XX/XX/XXXX i was notified that Experian completed there investigation with the account XXXX XXXX, they failed to send me what I requested, how they investigate it and complete the investigation and failed to send me the Methods of verification that I request, I am a consumer and I have rights to request the method verification.. Experian have violated my rights and need to remove the account from my credit, ,I am considering filing a small claims for the non-compliance.. this is not right, I have sent letters also asking for the original contract and they failed to send the proof that I am entitled to ... delete the account from my file,,, a debt is not valid unless there is a original contract signed by me the consumer and I have rights to see the original signed contract and to see there method of verification, ,if they did a 100 % verification then I should have been allowed to see the names and address and phone number of the people that verified the account with the, Experian violated laws and my rights and refused to send me what I Requested..
Consumer complaint received 2018-08-29
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONLINE Information Services, Inc. (FL)

I XXXX XXXX have contacted " ONLINE INFORMATION XXXX '' on numerous occasions and have not gotten anywhere in regards to the debt. XXXX the collections XXXX was handling my issue and never got back with me in regards remaining balance. Every time I would call the collections company I would constantly be handed off to a new person and get nowhere with the issue at hand. The debt should be paid off by XXXX insurance. Some of the debts were processed and paid off by the insurance except the balance of {$120.00}. When speaking with the claims department at XXXX they notified me that there was never a claim put in for the amount. All other amounts had a claim put in by " ONLINE INFORMATION XXXX '' and had been paid for. I am an XXXX XXXX service member and this ongoing issue and unprofessionalism by " ONLINE INFORMATION XXXX '' is now affecting my job clearance in the military. Any help on this would be greatly appreciated. Thank you in advance. 

- XXXX XXXX