davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

On Thursday XXXX XXXX a message was left on my cell phone. It stated that my husband needed to respond. I called the number that they left XXXX on Friday and spoke to a woman who identified herself as a lawyer by the name of XXXX XXXX. She stated that she was representing Capital One and that we owed {$3300.00}. She knew a lot about us, including our names, my phone number, where my husband used to work, our address and the last 4 digits of our SS # s. She was very believable, but we had no knowledge of this debt. She agreed to take a reduced amount if I paid it immediately. She sent me a form that made me suspicious, supposedly originating in XXXX, Fl when she was calling me from XXXX, IL. I told her I would sign on Monday. I contacted Capital One to make sure there was no debt, they told the card had been paid off years ago and advised me to contact XXXX XXXX XXXX  which directed me here.
Consumer complaint received 2019-06-17
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Adjustment Bureau, Inc. (IA)

We are being charged interest rates on medical bills. 
XXXX XXXX XXXX XXXX amount XXXX interest XXXX fees XXXX total XXXX XXXX XXXX amount XXXX interest XXXX fees XXXX total XXXX XXXX XXXX amount XXXX interest XXXX fees XXXX amount XXXX XXXX XXXX XXXX XXXX about XXXX interest XXXX fees XXXX amount XXXX Other creditors amount XXXX interest XXXX fees XXXX amount XXXX From everything I've read it's not legal to charge interest on medical bills because interest was never written in the original contract. When i asked why they were charging interest on medical she told me they were allowed to do that as a 3d party debt collector. I don't have exact dates but the statement date i have here is XX/XX/2019. I have been paying on this for maybe 2 years {$50.00} every other week..did n't look at statements because their amounts were high and figured it would take awhile. I was told the money goes to principal then they get there interest after. Thank you
Consumer complaint received 2020-02-13
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ONEMAIN FINANCE CORPORATION (NJ)

I received several emails from the branch that I was approved for the loan. I have an existing loan with them that Ive been in good standings. I was told I was approved when can I come in to sign paperwork. I was never told that I needed to secure a loan. I received an email back in XXXX saying I was approved the offer was valid until XXXX. This is totally false advertisement. I have two jobs and I get so security XXXX. Then I called their corporate headquarters and talk to a girl this morning that was completely rude and nasty and unprofessional.
Consumer complaint received 2020-02-13
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I found unverified items on my credit report and according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by federal law to verify - through the physical verification of the original signed certified consumer contract - of any and all accounts you request to be posted and or reported on a credit report. I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from ( Your Name ) credit reports. I demand the account be verified or removed immediately! The law is very clear as to the Civil liability and the remedy available to me for the " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. 

1. XXXX, XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX  XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX  XXXX XXXX I want the name, address, and telephone number of the person at the source you contacted and an affidavit under declaration of penalty of perjury from that individual, in other words a fact witness. The Method of Procedure as mandated by 15 USC section 1681 ( i ) ( 7 ) or FCRA section 611 ( a ) ( 7 ). I will expect you to complete your investigation within 30 calendar days from the date you received this dispute or the item being disputed will be unverifiable and subject to deletion. Please note that your Credit Reporting Agency is now subject to Federal consumer financial laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on Abusive Acts or Practices. ( Section1031 of the Dodd-Frank Act ) Thank You,
Consumer complaint received 2020-02-13
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. (NJ)

I sent letters four different time to these companies and credit bureaus. and everyone is sending letters back stating verified. I ask for copies of documents and I receive no response. I never applied for a car loan.
Consumer complaint received 2019-08-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (PA)

An attempt was made to pay my mortgage on XX/XX/XXXX at XXXX EST via Flagstar.com 's online loan servicing portal. Flagstar restricted my ability to make a payment prior to the end of the month. A message was shown that my account was ineligible to use one-time online bill pay. This happened approximately one year ago as well. This restriction prevents customers from paying their mortgage and incurring additional late fees.
Consumer complaint received 2020-02-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (AL)

Why is the federal government letting these loan shark subprime lenders get away with giving poor people with fair credit 23 % interest rate car loans. This is not fair they are making XXXX  of dollars a year. In 1990 I had bad credit and got a car loan at 10 % interest rate from XXXX XXXX. How do you let this people get away with this usury. 
Please stop the madness. Please help us, we are suffering.
Consumer complaint received 2020-02-13
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. (FL)

I applied to a rental company managed by XXXX XXXX XX/XX/XXXX. I was notified that I was denied and I can receive a tenet screening report from XXXX and have them submit a Consumer dispute form the Experian Credit Reporting Bureau. I have received the tenement screen report showing unknown and unauthorized Bank accounts, Loans, Credit cards, Rental property deficiencies with past due balances, along with Civil cases reporting of unknown evictions and possessions. From XXXX to XXXX I was XXXX, XXXX, and XXXX XXXX by an Ex-Partner who had full access to all my personal information SSN, Date of birth, copies of my ID, ect. At the time He would take care most of our financial bills and other obligations. After XXXX I had to remove my self from the relationship, and while doing so I was being victimized and had to call authorities where He was arrested and charged with XXXX and XXXX XXXX. Since the my physical address has been my current address. I am pursuing to file charges against Him currently for these unauthorized accounts and tarnishing my credit and name. XXXX, XXXX, Equifax has all been updated with this information. XXXX  has the most correct updated information that I, and I only authorized. XXXX  unfortunately when being contacted isnt all that friendly has not updated anything I have disputed. Im XXXX and Ive been a month fighting homelessness awaiting XXXX  to remove the fraudulent accounts from record. I called to see if I could receive a reasonable accommodation to have the information redacted, they denied. I really need these fraudulent items on my Credit report removed immediately.
Consumer complaint received 2019-06-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Merchants Adjustment Service, Inc. (LA)

I have no idea who MERCHANTS ADJUSTMENT is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. MERCHANTS ADJUSTMENT is indicating that an account with an unknown account number was opened with their company in XX/XX/2016. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 

2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized MERCHANTS ADJUSTMENT as third-party collection agent. 

4. Provide a true and correct copy of the instrument by which [ MERCHANTS ADJUSTMENT } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ). 

5. Provide the delegation of authority from the Director of the Office of Management Budget to MERCHANTS ADJUSTMENT, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 

6. Provide the Certified Assessment Certificate. 


Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide an Opt Out Notice. 
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. 
* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Consumer complaint received 2020-02-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: U.S. BANCORP (NC)

I inquired about a loan with this company online. Since the inquiry, in one day I received 40 phone calls AND voicemails from this company. I called the company to tell them I was no longer interested and to remove my phone number from their contact list. They asked " What is the problem? ". I told them I no longer want to receive 40 phone calls and voicemails in one day. The man told me ok, but I got no confirmation except an " OK '' that they would not call me.Since I talked to the company, I have continued to receive multiple voicemails, each voicemail is 3 minutes apart, and phone calls.
Consumer complaint received 2020-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (PA)

CitiBank approved me for several AAdvantage cards offering promotional miles over many years. I have had a Citibank AAdvantage card since XXXX. After earning rewards miles, my XXXX XXXX account was shut down on XX/XX/XXXX. CitiBank is responsible for this matter because the awarding of promotional rewards directly caused my termination and led to me being viewed as abusive by XXXX XXXX. This caused me to lose all the promotional miles from CitiBank as well as many earned through different means, such as regular flights on the airline. Apparently going over a certain threshold of miles triggered XXXX XXXX to think I was guilty of fraud or abuse. CitiBank must have better controls over their products to prevent their customers from being unfairly treated by rewards partners due to the use of Citi products. If I did not receive the repeated awards from Citibank I would still have my XXXX XXXX account and all the miles accrued, therefore Citibank is responsible for this loss. Many of these credit card approvals were manually reviewed by Citibank employees before full approval, showing that they were scrutinized by staff. They should have known better than to jeopardize their customers in this way. 

The full amount of my loss is XXXX XXXX XXXX miles, valued at XXXX cents per mile. The full value of this loss is {$12000.00} due to Citibank 's improper handling of rewards partnerships.
Consumer complaint received 2020-02-13
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Quick Bridge Funding, LLC (NY)

i signed up with quickbridge they are a cash advance company I had to pay XXXX a week it was ok at first. I tried to negotiate lower payments or monthly they said no. After running into issues with my bank I was not able to pay checks bounced. i tried to get other agencies to take over the account they were not successsful in doing so. They have placed a ucc without trying to find someone who can help me do lower payments. I feel like they didnt try to resolve it and took the easy way out.
Consumer complaint received 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2019-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My name is XXXX XXXX XXXX my address is XXXX XXXX XXXX XXXX, OH XXXX my SS is XXXX my DOB XXXX. 
I have addresses on my credit the are not mine please delete the following : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX
Consumer complaint received 2020-02-13
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: Experian Information Solutions Inc. (NY)

I am a victim of identity theft, and did not make the charges. I am requesting that the items be correct from my credit report. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2019-08-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd (MT)

I opened an account with Transferwise ( www.transferwise.com ) In XX/XX/XXXX and made one funds transfer from the U.S. to XXXX that worked correctly. I did nothing further until XX/XX/XXXX when I received an email from Transferwise stating " You can only have one account with TransferWise. So we deactivated the other account you had with this email address. '' Alarmed that someone had accessed my account that is linked to my bank account, I tried emailing the company per their instructions, demanding to know why they would allow a second account to be opened using my email address. But they never responded, and my account remains " deactivated. '' Consequently, I have no idea whether someone has access to funds in my linked bank account.

After reading hundreds of similar complaints on consumeraffairs.com, I do not want to have anything further to do with Transferwise anyway. But I do need to know that my account has been properly closed, that no one is using my email address to access a duplicate fraudulent account, and that there is no linkage to my bank account.
Consumer complaint received 2020-02-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: C/C Financial (TN)

I recently purchased furniture from a local store in TN and decided to finance it through one of there leasing companies ( 3rd party ) Merchants Preferred Lease out of XXXX, GA. 
I have almost completely paid off what i owe for the furniture, however recently I've been hit with financial troubles and have not been able to make the bi weekly payments that were agreed upon for the last month or so. I called the company to see if we could work something out or postpone a payment or two until i was able to pay the remaining balance in full but the company informed me they are unable to work with me or change any of the initial agreements. 

I politely asked for them to discontinue ACH payments via my bank account due to funds not being available in the account on the scheduled transaction dates. Due to that reason, i was receiving late fees & return item fees from both my bank and the lender. I called back again to ask again for this to stop and they declined to do so. 

Recently, a federal law was brought to my attention that protects consumers in situations like this. I was informed that this federal law prohibits a lender from withdrawing payment after two unsuccessful attempts. An email was sent to me today informing the 3rd attempt will proceed tomorrow XX/XX/XXXX. The first two unsuccessful attempts occurred on XX/XX/XXXX & XX/XX/XXXX. 


FYI- The first attachment labeled " CFPB '' is an email that made me aware of this law from another lender.
Consumer complaint received 2021-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

On XX/XX/2016 of my XXXX  reports were removed from my credit report. 1 XXXX XXXX account and 15 ( all ) of my XXXX/Dept of Ed accounts were deleted. I recently just disputed with XXXX  because they haven't updated my report reflecting that the 16 accounts should be removed. After the dispute they STILL have not deleted it. THEY NEED TO DELETE IT. Them not having uniform information across all 3 bureaus is erroneous. DELETE ALL 16 OF MY REPORTS THAT XXXX  DELETED PLEASE AND THANKS.
Consumer complaint received 2018-07-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC (DE)

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( west lake financial ) I made payments on this account, its shown on financial company that it was a charge back. I provided statements from my bank that it wasnt a charge back and it was sent to west lake financial. I sent them my documents XX/XX/XXXX. And they still havent contacted me back.i even contact the ceo. Spoke to him as well and he havent even contact me back. Also ever since I purchased my car, I had to get it repaired up to today XX/XX/XXXX. I dont have a check engine light at all and my car is making noise. I have a lemon car.
Consumer complaint received 2022-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-07-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XXXX XXXX i deposited a settlement check from XXXX XXXX XXXX for the amount of {$19000.00} into my checking account inside of the bank. my acct was then closed and i was told by XX/XX/22 i would receive a cashier check with the amount in my account. I never received the check and was told the funds were in Hold Harmless department and that i would need to reach out to the maker to have the funds released back to XXXX XXXX XXXX i have been in this loop since XX/XX/22 i still don't have the funds and the claim still has yet to be filed.
Consumer complaint received 2022-07-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account # XXXX, XXXX  XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # 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 2022-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK (AL)

I am the XXXX XXXX XXXX for my XXXX mother. She wants to close her Discover card ; however, when I've contacted them, they have told us that the account can't be closed because there is a credit balance of {$230.00} on the account. We have contacted them repeatedly over several months, and though they claim they will send a check, they do not/have not. When we contact them about this, they tell us the same thing again -- that we can't close the account because there is a credit balance, yet they will not send the money. We believe this is a puposful attempt to hold her money so they can collect interest on it.