davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Risecredit, LLC (NC)

I had an account that was past due because I was XXXX from the military and I was unable to make the payments on time and I tried to set up a payment plan to resolve the debt and in the midst of moving and getting my family settled after service I lost track of and was unaware of the debt being sold off and was required or notified that the balance was excessively higher than the balance before my transition from military service and I have noticed now that the balance is {$3400.00} and alot higher than it was when I last made a payment.
Consumer complaint received 2019-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Receivede-mailthatcreditcardhadbeenclosedaweekearlier.Nowarningwasgiven.WhencallingCapitalone,agent(XXXX)statedIshouldhaveexpecteditfromtermsofserviceIreceivedayearago.Agenttriedtostatethatallbankswillcloseforinactivity,butCapitalonewillgivenowarningaheadoftimeasapolicyandwillonlytellyouafterthefact.Atacertainpoint,agent'stonemadeitapparenttheywantedmetohangupbutIstatedIwouldliketocontinueallwhileItrytofindothercasesofthisoccurringandhowtheywerehandled.Agentbegantoclaimtheycouldnothearmeanddisconnectedcall.
Consumer complaint received 2019-07-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

{$1000.00} deposit in form of money order made. Receipt in hand, posted to account. Bank of America XXXX XXXX manager XXXX XXXX took the {$1000.00}. Disputed XX/XX/2019. To no avail
Consumer complaint received 2019-07-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

and requested original documentation showing I owe this debt for them to show my signature on a contract that I agree to pay the debt that is on my credit report lvnv funding LLC is in direct violation of The Fair Credit Reporting Act, 15 U.S.C. 1681
Consumer complaint received 2020-02-05
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Midwest Recovery Systems (TX)

On XX/XX/2019 Midwest Recovery Systems XXXX opened an account that has my current balance at {$220.00}. I have no clue who this collector is, nor have never received any mail notification. I tried calling and they had an automated system. I assume I have been scammed. 

On XX/XX/2019 XXXX  opened an account that has my current balance at {$160.00}. I have no clue who this collector is, nor have never received any mail notification. I tried calling and they had an automated system. I assume I have been scammed.
Consumer complaint received 2023-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
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 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 XXXX
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2019-01-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (IL)

I entered a two year agreement with XXXX and as a part of that agreement I was supposed to receive a discounted rate for the full two years. However, after a year, XXXX removed my discounted rate stating that I did not fulfill the terms of my contract because I did not have any other services with XXXX XXXX XXXX. First of all, they don't offer high speed internet in my area, I have no use for a landline phone, and their cell phone charges are double what I pay with XXXX. Therefore, it would not have benefited me at all to add any other XXXX XXXX XXXX service and shame on them for trying to strong arm customers into using their inflated and inferior services! Also, this was not part of the original agreement and the representative on the phone stated I had received an email with a notice to the change of the terms and conditions. However, I could not locate such an email and neither could the representative on the phone. I tried for about an hour on the phone to remedy the situation, however I kept being told there was nothing they can do besides offer me other " deals '' that were all more expensive than the deal I had. Therefore I cancelled my service and they charged me an early termination fee. I feel that they are the ones that breached the contract, not me. For those reasons, I dispute the debt that has now ruined my credit by going to collections and constantly getting transferred. Also I would like to note, the Representative who first approached me about getting service with them told me that I would not pay an installation fee. I told him I was in the process of buying a house and would move in about 2 months. He told me that neither installation would be charged. However, when I moved, I was charged an installation fee. When I called about it, I was told they had to charge the fee. I was mad about it but didn't want to spend time and energy disputing it. If that were the case, I would have waited until I moved! Working with XXXX was a nightmare from the beginning. I wish I would have stuck to the original service I had with XXXX. I have disputed this collection with the first collection agency by mail, with all 3 credit bureaus, and with the most recent collection agency, Diversified Consultant, by phone and have been unsuccessful in each attempt because XXXX keeps providing a statement that shows the early termination fee. Yet, they still have not provided information showing that I was provided a change in terms, which according to them would have allowed me to cancel after a certain amount of days without penalty.
Consumer complaint received 2019-01-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Conn's, Inc. (AZ)

Back in I believe between XX/XX/XXXX or XX/XX/XXXX- XX/XX/XXXX I can not recall the actual date of the payoff but the payoff was made in two payments. When we called Conns and spoke with a Conns Team member she researched and found that the payments at one time where being applied to my husbands account. They told me and my husband that they were going to research and find the payments and get back to us and they never got back with us. Please help me.
Consumer complaint received 2019-01-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Perfection Collection (NC)

A company called Perfection Collection just reported two collection accounts on my credit report for {$2700.00} & {$2500.00}, respectively. Prior to these accounts appearing on my credit report, I did not receive a notice of my right to dispute. I understand that this is a violation of federal collection law.
Consumer complaint received 2019-01-17
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GREAT LAKES (IL)

On XX/XX/2008, a Parent Plus Loan was disbursed with me as the co-signer. The problem is that on that date I was a minor. I was only XXXX years old at the time and therefore I was legally unable to cosign the loan. My signature is of no value. It was the responsibility of Great Lakes to run my social security number and deny my co-signing before securing the loan. Not only is this unethical but it is illegal as well since minors can not legally cosign for loans. This was a mistake on behalf of Great Lakes and it needs to be corrected.
Consumer complaint received 2022-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It has ben XXXX months now that I have tried to fix my credit and these the credit bureaus have not helped much! In fact they have ben violating my rights under the FCRA! Below I attached all my attempts to fix this issue through letters! I am desperate to get credit lines so I can pass by these hard times! I am seeking help from the CFPB because I dont know what els to do! 

Please help!
Consumer complaint received 2018-09-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services (NY)

On or about XX/XX/XXXX I entered the XXXX XXXX XXXX, later XXXX XXXX of XXXX, as a Business student. I continued my classwork until XX/XX/XXXX, when I was hit with financial issues, and had to drop out of school. In XX/XX/XXXX, XXXX XXXX of XXXX abrutly closed its doors and left many students, like myself without the opportunity to continue their education. Now in XX/XX/XXXX, I am paying back a student loan for a school that has closed. According to what I have found, the grounds for student loan cancellation is that a school closes ( such as XXXX XXXX ). I have been in repayment status for approximately one-year, and when I recently submitted my request to cancel my student loans due to this provision, I was provided with a short-term forebearance that ends XX/XX/XXXX. This is NOT what I originally requested. 

I still over over {$8000.00} for an education that I can not complete. I have not requested that they review my " Loan Cancellation '' form since my original request in XX/XX/XXXX, since I do not feel that they will respond to me with an accurate explanation.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

To Whom It May Concern : This notice is to inform you that you unlawfully reported fraudulent INQUIRIES that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 

15 USC 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 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency 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 that they are DELETED immediately : XXXX. XXXX XXXX XX/XX/2024 My identity has been stolen you are hereby put on notice. 
Aggravated Identity Theft pursuant to 18 U.S.C. 1028A.

IN GENERAL. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. An identification of me has been used without my permission to open several accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by Federal Law 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 

YOU XXXX have aided this Fraud by not verifying these accounts. 
Congress states 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Pursuant 15 U.S. Code 1681c-2 Block of information resulting from identity theft.
Consumer complaint received 2022-08-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: CREDIT ACCEPTANCE CORPORATION (NC)

Keep getting calls to come buy a car with a warranty on XX/XX/XXXX I finally went to the company and got a XXXX XXXX XXXX signed the paper work the same day the car left me in the middle of a intersection car wouldn't excellerate finally after pressing the gas to the floor XXXX I got out the middle the road the rpms going up no power car whining got it home took it to the dealer the next day after I tried to have it towed bc it was doing the same thing Tuesday I broke down I called the dealership they told me to call the number on my paper work that I have free towing under warranty I called to have it towed it was not covered under warranty I got the car back to the dealership told them to cancel the purchase because the car is faulty they would not cancel I left the car there XXXX XXXX  I get a call from XXXX to come pick my car up that the auto sales dealer told them to call me to pick it up so I did I took it home didn't get any paper work on the vehicle until Monday comes down to it it needs a complete new transmission the company that sold me the vehicle told me I did something to the vehicle they won't cancel at all the car broke down 22 hours after haveing it the warranty that they sold with the XXXX will not cover the repair bc they said it was the car dealership responsibility to fix since it was pre existing when I bought the vehicle I am now without that car haven't had it since I have really done the paper work bc it breaking down and they charged me {$32.00} for a vehicle I don't have I have XXXX children and a XXXX mother that car could have costed us our lives the dealership won't even let me trade the vehicle I asked them to trade the next day after buying the car these people won't call me back telling me to make sure I pay for the car even though I don't have the vehicle please help me it's going to ruin my credit these people sole me a very faulty dangerous vehicle the gas pedal stops working on it on top of all the other stuff I wrote about this XXXX XXXX XXXX from XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-25
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: World Acceptance Corporation (GA)

Collection amount was paid in full on XX/XX/19 Approval code # XXXX. 
Rep told me account will be deleted & I will receive a receipt in mail. I disputed the account & they updated the account XX/XX/19 stating account is in collection & have a high balance
Consumer complaint received 2019-01-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAROLINA FINANCE, LLC (NC)

I bought a car in XX/XX/XXXX, it was financed through Carolina Finance in XXXX. In XX/XX/XXXX, we has a 2 day lapse of insurance, once I provided the insurance information to Carolina Finance, they still added insurance to my car totaling over {$2000.00}. After a debate, they reduced it down to half. That amount was paid off last year. There has been some embezzlement issues and some people were fired. I got a call last month from them stating that I was still responsible for the insurance. My car was double insured the whole year of XXXX because I had insurance and they charged me for insurance. My insurance broker Mr. XXXX XXXX @ XXXX XXXX here in XXXX NC told me that what they were doing was illegal and told me what I should do. So I am contacting you for help in this matter. I have the paperwork that they sent to me when I was finished with the payments, which tells me that I do not owe them anything. Since I told them that I had paperwork proving that they were wrong they told me last week that they were looking into the matter but have not come u with conclusion to this matter.
Consumer complaint received 2019-01-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (DC)

I requested a distribution of a voluntary savings plan managed by Wells Fargo Bank - Retirement Services. 

I am not a resident, tax resident, or citizen of the United States of America. 

I am a XXXX tax resident, and a national of XXXX. A copy of my passport was included in my distribution request. The XXXX had my XXXX permanent address, along with my XXXX tax ID. 

In XX/XX/XXXX when the distribution was made, Wells Fargo incorrectly withheld thirty percent of the interest. Wells Fargo called the distribution - a non-resident single sum benefit. 

My instructions ( on both distribution request forms and the XXXX submitted several months earlier ) were to withhold 0 percent in line with the international tax treaty table ( see column 1 ), and advice I had been given by the ( very helpful ) IRS International Team. 
https : //www.irs.govXXXX I do not have a US social security number. I have never paid tax in the US. 

The Wells Fargo distribution and processing teams I spoke to on the telephone advised that the 30 percent Federal Withholding of interest was their internal legal policy for two reasons : 1 ) I have a simulated social security number from my employer, the IMF The simulated social security number is IMF staff number ( XXXX+my staff ID number ) 2 ) It is a lump sum payment For reference, the address on the check attached was a previous and out-of-date address. I lived at that address until XX/XX/XXXX when an employee of the IMF.
Consumer complaint received 2022-08-28
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. (IL)

In accordance with the Fair Credit Reporting act 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 15 U.S.C 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 2023-08-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY (NY)

TD Bank has reported me with three late payments in XXXX, during the forbearance period of the pandemic, when not only was I making mortgage payments, but I had established a forbearance arrangement. The impact has been a reduction in my credit score, and reduction in my credit limits with other financial institutions.
Consumer complaint received 2019-09-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

I applied for a forbearance because I lost my job once I found a job I wanted to start making payments on my loan. When I called XX/XX/2019 to make a payment I was informed they could not accept payment while I was in forbearance for 6 months and to file a modification In XXXX. In XXXX when I tried to file for a modification they basically told me I wasnt qualified and that I need to pay them upfront {$16000.00} or more they would foreclose on my house after I tried to make payments before and they would except it in XXXX they excepted a payment in XXXX and I thought for modification so Im being told two different stories now in XXXX they wouldnt except my payment and now theyre saying in XXXX that theyre going to send me a demand letter I need help immediately.
Consumer complaint received 2022-08-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (GA)

After careful review of my consumer reports, I noticed an account on my report from CCS Collections account number : XXXX. 
I have not received any goods or services from this company ; nor have I ever done any business with the company. I am unsure of how this company illegally obtained any of my information as far as my name, ssn, and dob. As I know that only a contract/ signed agreement between CCS Collections and myself would make me legally bonded to any debt that they may claim. I am very sure that I have never provided any wet signature or provided any of my personal information to this company on any agreement. 
With that being said, had CCS Collections sent a Debt Validation Notice as they are lawfully required to per FCRA ; I would have been able to rightfully dispute this account before they unlawfully caused harm to my consumer reports. I am requesting that CCS Collections provides proof of delivery/receipt that they have sent a debt validation notice. I have never received any written or verbal communication as directed via FCRA Law allowing me the proper opportunity to dispute this invalidated debt. 

Consider this a demand to cease and desist as well as a notice of unlawful conduct of failure to distribute proper notice. Please remove this account off my consumer reports