davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-18
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BB&T CORPORATION (TX)

My vehicle was totaled by my insurance company due to extensive hail damaged. When I contacted my lender, Regional Acceptance Corp, I was told that the GAP policy would cover the remaining balance after my insurance company paid a settlement to the lender. The GAP did not cover the full balance because, as I was told, it did n't compensate for extension processed on the account. I did not receive any disclosures indicating such, and this could 've altered my decision to accept an extension on monthly payments that I fell behind on. Therefore, I 'm requesting that the deficiency balance be waived by the lender, and all negative credit impacts be removed from my credit report to reflect that the loan is paid in full. I feel taken advantage of because of this and the outrageous interest rate given to me.
Consumer complaint received 2024-03-30
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: Prosper Marketplace, Inc. (NY)

In XXXX and XXXX of 2023 I made a late payment as a result of XXXX and XXXX. I reached out by sending a letter of good will and a automated message told me they can not remove it. It's impossible to get to someone directly, I've tried to email the CEO but the email comes up as invalid.
Consumer complaint received 2023-01-27
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: Experian Information Solutions Inc. (ND)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2019-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: AMERICAN EXPRESS COMPANY (CT)

On XX/XX/19 I requested a balance transfer for {$3000.00} from a XXXX card account ending # XXXX. When I checked a few days later online it stated it was to XXXX XXXX. I do not have any accounts there. My wife also initiated a balance transfer from XXXX and hers came up as XXXX XXXX XXXX ( she has a separate complaint ). She called and they verified it was correct and American Express customer service explained to her that sometimes the bank name appears different. I received a call from American Express verifying my identity and confirming the balance transfer. I could barely understand the lady as she spoke very broken English but, I did make out the last four digits of the card number was # XXXX. I did not think much of the online portal saying XXXX  XXXX as my wife had a similar issue and was told its ok. On XX/XX/19 I checked my balance online and it says I have a {$3000.00} balance from a balance transfer to XXXX  XXXX. Again I do not have any accounts at XXXX XXXX. When I click on the transaction it says it was sent to XXXX XXXX Dummy Account, XXXX XXXX XXXX UT. When I XXXX XXXX XXXX it comes up at American Express also the balance transfer says it was credited to XXXX XXXX XXXX, which is not even close to the account number I provided. I did verify that the amount was not credited to the XXXX account. I did the online chat with the customer service rep and she confirmed that the information they had was XXXX and she advised me to speak to the balance transfer department. I called them on XX/XX/19 a gentleman picked up and I explained the situation he said ok ill open an investigation and you will hear something in 7-10 days. Okay thats it? I am expected to carry a random {$3000.00} balance and no one knows how this happened. I called back on XX/XX/19 and gave them permission to speak to my wife. She asked how this could have happened and they couldnt answer, she asked them to verify the information that was entered online when the balance transfer was initiated and the gentlemen told her it didnt matter and an investigation was open. I find the customer service that I have received to be less than subpar. The lack of any concern from the people I have dealt with at American Express leads me to believe they are dishonest and deceitful. I am not sure how one branch of the company could have the correct information and incorrect information. I find these actions to be very suspicious considering a similar situation has happened to my wife. I wonder how many times this has happened to other customers. As of right now I am carrying a {$3000.00} balance on my American Express credit card that I did not authorize and no one can explain to me how this has happened.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (CA)

Dept. of education is reporting inaccurate information on behalf of my credit report and this company needs to be removed off my credit immediately. All 3 agencies has inaccurate information inaccurate Month ( terms ), payment status, Date late active and credit limit
Consumer complaint received 2019-05-24
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. (GA)

Trans Union Consumer Disputes Center and XXXX are incorrectly reporting an account that doesn't belong to me. The account is not mine. I have reached out the past 90 days to the Bureaus with no response. I am currently preparing myself to file a law suit. I have been a victim of Identity Theft in the past. I provided a certified and signed letter of dispute that was accompanied with police report. Account Name : XXXX XXXX Account number : XXXX Account balance as reported by the bureaus {$900.00}. Under the Fair Credit Reporting Act the Credit Bureaus were to respond to my dispute within 4 Business Days of receipt. They failed to do so. This account needs to be REMOVED and DELETED from my credit. It is ERRONEOUS and truly has hurt my credit worthiness. The Bureaus have failed to provide the proper information in removing this account while also violating the FCRA. Under the FCRA section 609, I asked to be provided the ORIGINAL CONTRACT on File with said Creditor and the Bureaus failed to provide me with it. Thank you for your prompt response to this matter.
Consumer complaint received 2019-10-07
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. (MA)

I have disputed 4 times with all credit bureaus. XXXX, XXXX and Transunion. All are reporting derogatory remarks on accounts they are unable and have not verified as being mine or show proof that these are in fact accounts acquired, owned and signed by me. 

They are also not consistent, accounts that have been removed from my credit file from one bureau is not necessarily being removed by the rest of the bureaus despite all the disputing I have done/sent.

I have outstanding current/history on my mortgage, car loan, which is going to be paid off, and 2 new revolving credit cards. That are in excellent standing and have not been late once on anything for the last 6 years. All that they are reporting are credit cards fraudulently acquired and being reported under my credit file.
Consumer complaint received 2024-03-30
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK (PA)

I have contacted this company about identity theft as someone stole my credit card and made fraudulent charges. They did not help with that process so then I told them to close my account and they refused saying that I must pay the full balance and then they could close it. This violates my rights.
Consumer complaint received 2019-10-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MD)

To whom it may concern : Please remove this file from my credit report as this debt do not belong to me. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. Ive never had any relationship with LVNV Funding LLC 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 2019-10-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (NY)

This issue is against COINBASE. I have had an account with them since XX/XX/2015. Recently, about 3 months ago they decided to lock my account with over 8 btcs ( XXXX USD value ) and give me no reasons. I have re-submitted all my documents, proof of address, ID etc. and they have gone silent and have not answered my in over 1 month. I do not know what to do at this point. They have most of my funds and I desperately need them.
Consumer complaint received 2024-03-30
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Resurgent Capital Services L.P. (SC)

The original creditors are listed on my credit report as well as the so called debt collectors. I have not knowledge of this company. They sent an man to my house with fake legal documents, trying to scare me into paying them money. I located the original creditors and they have not knowledge of company.
Consumer complaint received 2019-09-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BARCLAYS BANK DELAWARE (CT)

XXXX : Every time I dispute something they lower my score, while the others raise it. They have incorrectly disputed items and companies I did not select ; and they're the only one of the three. They dont take my card holder status on a XXXX Barclays account into the utilization ratios, and theyre dinging me for old bad debt that was charged off and sold to unscrupulous collection agencies that were found at fault and removed quite some time ago from all three reporting agencies. Their reporting patterns are arbitrary and inconsistent. They are clearly blacklisting me ... theyre the only company I can not contact easily and say this or that doesnt add up, and if correct, have it adjusted. 

And XXXX ... theyre application system dropped my application twice, they admitted, dinged me with hard inquiries, denied me credit, and then refused to remove the erroneous inquiries due to the i system failures. 

Barclays, I called them and their collection department several times, and could NEVER get a call back, when I did reach a person, they would it accept money from me to settle the account ; they passed me off to another department that sent me back to the original department I came from, and then was rendered back into automated XXXX, left yet another message for the account manager, which never gets returned. But yet, they suddenly updated my report for 20 some odd months of Charge Off status when there wasnt any updates over those months and then plummeted my score again. 

What is wrong with these people? It takes a certain type to ruin people ; to be in a role to make everyone as whole as possible, yet behave in ways that are contrary to the espoused theories. 

Im beyond frustrated with XXXX, XXXX, and Barclays. I have absolutely NO recourse other than to suffer, or spend all my time, far more than the countless hours I already have, to keep calling, using online forms and writing, in hopes of finally reaching a bright and intelligent individual capable of reading and applying logic, able to feel and reach within the human aspects of the self, and ALSO has a modicum of clout. Good. Luck.
Consumer complaint received 2017-05-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: CASHCALL, INC. (MO)

I made my first loan payment t o Cash Call on th is loan on   X/XX/17   . It was due     X/X/17  .  Cash Call applied principle and interest exactly as if the payment had been made on   XX/XX/XXXX  . When I protested, they have told me that all payments are credited on your due date regardless of the date you make them.     This is definitely a simple interest loan. The exact quote from the paperwork on this loan regarding interest figuring is : " Interest is calculated on a  XXXX  simple interest basis. This means that interest is calculated by dividing the ann ual Interest Rate by 360, multip lying that number by the outstanding principal balance, and multiplying that number by the number of days the principal balance is outstanding, assuming that each full month is comprised of 30 days. '' However, Cash Call in effect is holding the payment and thus changing the " number of days the principal balance is outstanding. '' They thus refuse to give me credit for the payment toward principle for several days while waiting for the due date. This, of course, changes the date on which the principle decreased due to the payment and gains  Cash  Call increased interest for those days in which they pretend the principle was still full balance, while in fact they already had the payment and principle should have already decreased.     This is not how any simple interest loan I have ever had does it. Cash Call themselves in my prior loan with them always applied payments on the date made, deducting first interest due through that date and applying the rest to principle. They did not on the prior loan hold payments until your next due date to gain themselves extra interest in the meantime. However, they are now.     I have attempted to resolve this with Cash Call extensively. However, they simply keep saying that all payments are handled as if received on your due date. Due to the massive potential benefit to them in holding payments and delaying drop in balance, I am now starting to question their honesty in this tactic and think it is a deliberate attempt to pad their own coffers at the expense of customers. It is not right for Cash Call to have my payment, yet not apply it for several more days just so they can earn the higher interest for days in the interim by delaying any payment to principle.
Consumer complaint received 2019-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (MA)

Hello, On XX/XX/2019, I went to the XXXX XXXX office in XXXX, MA. The reason I was going there was to figure out the plan changes on my line. Before figuring out what was happening, the person who helped me put me on a new plan and ran a hard inquiry on my credit report. I was not informed about an inquiry and I explicitly told the person that I have no consents for any credit checks. The person assured me that since I am with XXXX, there will be no credit checks. In the end, I received an email from XXXX that XXXX put a hard inquiry to my credit report via Equifax. I disputed to this inquiry through Equifax since I did not authorize this procedure. After these I asked the person to undo what he has done but he said it is too late. XXXX sent me a receipt via email for my plan change. I have not seen any receipt in the store so my sign is missing in the receipt. I have not authorized a single operation in that store. Yet, they put me in a plan, they ran credit checks on me. On the other hand, I called XXXX XXXX to file complaint about the poor customer service I received. I requested from XXXX that if they could also dispute or undo this unauthorized credit check. I was told that it is impossible by XXXX. After this, I switched from XXXX to XXXX by XXXX same day because of this issue. I'd like XXXX to dispute any kind of hard inquiries to any credit companies on XX/XX/2019.
Consumer complaint received 2019-10-07
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: EQUIFAX, INC. (NY)

I found a collection account on my credit report which does not belong to me I am a victim of identity theft, I reached out to the original creditor and to the collection agency and to all 3 credit bureaus and provided them with all the information they need and requested to remove the collection from my report at the same time the original creditor and the collection agency sent a request letter to all 3 credit bureaus to remove this collection account from my report XXXX and XXXX XXXX removed it right away *BUT EQUIFAX* did not remove it and its a few months already and this complain is for Equifax I'm on the phone for hold for hours and hours and I can not reach anybody, there is nobody to talk too,
Consumer complaint received 2023-08-11
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. (NC)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

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 dont 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 The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this 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 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 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 2018-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (FL)

I went to a car dealership to get a car but I was told that I have a credit freeze on my file. But I never told any one to put it on there. I'm tried of the discrimination that come from this company. Here the thing, when I had the freeze on my account. My identity was stolen two times threw there security breach.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Avant Holding Company, Inc. (MA)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-03-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BMO Bank, N.A. (CA)

I bought a house with a BMO mortgage and they said they would offer an interest rate discount if I opened a checking account with BMO as well. So I opened the checking account and realized its technically XXXX checking accounts. After I opened the accounts I discovered that my mortgage interest rate was not lowered as they had promised. Also, I did not realize that XXXX of the checking accounts resembles a savings account and charges a {$15.00} fee for each transaction that exceeds XXXX transactions per month. In XXXX and XXXX I accrued XXXX charges of {$15.00} each, and I did not realize this until XX/XX/XXXX. Had I know about this condition, I would have handled the transactions differently to avoid the fees. I have since asked several telephone customer service representatives and the branch XXXX who have helped waive XXXX of those charges but now after additional attempts to waive the charges, BMO refuses to waive any additional charges, even though they recognize that this is a misleading and confusing tactic. They even documented in my account that I did not know about that term and condition of the account and therefore deserved to have it waived. The remaining XXXX charges remain on my account, for a total of {$250.00} in junk fees over the course of XXXX months.