davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LEXISNEXIS (IL)

This communication is in reference to my LexisNexis Accurint Report dated XX/XX/XXXX, Consumer Number XXXX, Case Number XXXX. 

This communication shall serve as my formal written notice to LexisNexis that my LexisNexis Accurint Report contains numerous inaccuracies. Additionally, this communication shall serve as my formal written request for LexisNexis to remove the inaccuracies that I have identified in my LexisNexis Accurint Report. 

The item in dispute is the Outdated Drivers License Information that LexisNexis is reporting on my LexisNexis Accurint Report. 

This is my second notice to LexisNexis regarding the Outdated Drivers License Information that LexisNexis is reporting on my LexisNexis Accurint Report. 

This information is outdated because the item in dispute expired in XXXX. Additionally, I have NOT lived at the listed address in over 21 years! 

I kindly request that LexisNexis promptly rectify the inaccuracies that I have identified in my LexisNexis Accurint Report.
Consumer complaint received 2018-02-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (NC)

Good Evening, my issue is with XXXX XXXX XXXX XXXX XXXX Ive gotten several letters from the company stating that they need to hear from me or they will pursue legal action. After doing some research i noticed on their website it states that they actively seek XXXX XXXX military members and will seize all collections towards them. Ive contacted that company multiple times and always get directed to a number that always goes to email. They always tell me to just leave a message and they will return my call. This issue has been recently come up in a background check for my security clearance but i get no response from the company.
Consumer complaint received 2022-08-27
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: DISCOVER BANK (MI)

I, XXXX XXXX, the consumer, have contacted DISCOVER BANK on XX/XX/2022, by certified mail which they received XX/XX/2022. DISCOVER BANK, did not disclose to me as required by law that I had the right to opt out of my nonpublic personal information being disclosed to nonaffiliated third parties. DISCOVER BANK has continued to report to the credit reporting agencies after my notice and demand to stop sharing personal financial information with unaffiliated third parties. DISCOVER BANK is in violation of the Gramm-Leach Bliley Act and the Fair Credit Reporting Act these violations are listed : 15 U.S.C. 6801, 15 U.S.C. 6802, 15 U.S.C. 6803, 15 U.S.C. 1681a ( 2 ) ( A ) ( i ), 15 U.S.C. 1681a ( 2 ) ( B )
Consumer complaint received 2019-05-04
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe (IN)

I took out a loan to pay electric which was shut off. The loan was {$820.00} I went on the site to see when payment be due and found they are charging 646.10 % interest. That is ridiculous. I would pay back over {$4000.00}!
Consumer complaint received 2019-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

ThisisforExperiancreditbureau.XXXXXXXXXXXXgotthisaccountfromAuraXXXX/XXXXremovedfrommyExperiancreditreportinXX/XX/2019.Soexprianyouneedtoremovethisnegativeremarkbecauseitisstillpostingonmycreditreport.ProofisattachedcontactXXXXXXXXXXXXformoreproofofthematter
Consumer complaint received 2019-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

so I logged in to Capital one website on XX/XX/XXXX the due date on my account I made the payment on Monday for some reason It did not go through all the way so I got a late fee. I called customer service to tell them what happened and none of them would waive my late fee for me I have sent emails to Mr XXXX and a bunch of excecutives and have heard absutoley nothing I even tried to call the contract I had in the corp offices from last time and he docent work there anymore. This is not the `1st time I had a problem with there website. I have talked to a manager named XXXX who's employee number is XXXX XXXX who does not think my late fee issue is warranted to send into customer relations and she won't help me and docent think my issue is important enough to send the coreperate office at all she is very rude and act she was god and I could not talk to anyone above her and she made me really upset.
Consumer complaint received 2019-08-04
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ACS Education Services (IL)

Hello, I had to choose incorrect previous options because there was no option that fit my situation. I had a student loan through the University of XXXX, XXXX that is currently being serviced by Conduent Education. If you see the attached picture, their website is down as of today, XX/XX/XXXX. It has also been down frequently over the past month. I'm attempting to pay my loan which garners interest daily, however am unable to even get to their website. I do not have a contact number for their company or current paper statements, as I was urged by the company directly to go paperless for my statements. Since their website is down, I can't get into contact with the company at all, unless I use a third party, privately owned, social media platform, and hope they can fix my problem instantly. However, most people in America are not on XXXX. Or, I could alternatively gamble on a random number I find online, and hope that providing my private account information to a potentially fake company wouldn't happen. Every day I can not pay my current balance, I garner additional, daily interest.
Consumer complaint received 2020-02-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never done business with this company nor have I entered into a contractual agreement with them agreeing to pay them for services nor goods
Consumer complaint received 2018-02-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (IL)

Coinbase took {$2500.00} deposit that was made to purchase electronic currency. After they cleared the withdrawal from my bank they locked my account and have kept the funds. It has been over 6 months and they have not given me my {$2500.00} usd or the equivalent in electronic currency.
Consumer complaint received 2019-07-12
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A. (NM)

On XX/XX/19 had {$240000.00} wired into an account I set online. I have spent approximately 10 hours of phone calls and emails attempting to get access to the account. After several phone calls, I leaned that the first two XXXX verification documents I sent were rejected because they were in my first name and not the initials I used to set up the account. When I asked why I had not received any communication from them as to the problem, I was told they don't make those types of call. On XXXX, I uploaded another XXXX document that had my address and my name listed as initials and received a confirmation from bank that doc had been received. I just got off of another 45 minute call today ( XX/XX/XXXX ) and was told that the doc was never received and I should call again next week. I spoke with a supervisor who told me that she would have to check with another dept and get back with me but advised that Citibank might reject doc anyway ( because I recently moved and the bill did not include the last 30 days ). I told her that if that happened, I just wanted to get my money. Her response was to tell me that it could take 30 days for them to send me a check.-which would mean they would have had my money for 45 days for free. This is a pretty shady way for a bank to make its money and its money seems more criminal than just bad customer service.
Consumer complaint received 2022-08-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC (MO)

In short this debt / collections matter is fraudulent in nature. The original creditor sold this debt fully aware of my dispute, however over the past XXXX  years I have had this reported on and removed from my credit report at least XXXX times previously. The new collections company XXXX Source Receivables Management ) has presented a new account number and amount ( fraudulent ) and reported to the credit bureaus. Note I have a pending disputes with the credit bureaus, however I feel they are complicit in allowing this.
Consumer complaint received 2019-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have tried several times over the last couple of years to have Capital One lower our interest rate on our credit card, with no avail. I pay the card on time, and often early, and always pay more than the minimum. This positive track record dates back more than five years, yet when I call to request the rate to be lower no one can help me and have never been granted a reduction. Is there any regulations over the rates these companies charge and how often the reduce the interest rates :
Consumer complaint received 2021-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I received my card from capital one bank XX/XX/2021. I did not activate my card. Today XXXX I received a bill from them reading my card was charged {$75.00} on XXXX. I have still not activated my card.
Consumer complaint received 2022-08-27
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. (TX)

XXXX XXXX XXXX XXXX Is on my credit report for auto loan. They are report XXXX this loan on my report and this auto loan is not mine. I have tried to reach several times then I notice that that must have gotten repoed and they updated on my report when I went online to verify the car details this company still show The full amount owed on report when. They sold the vehicle for a cheaper price I am not responsible for this loan I ask that this please be remove asap. This company is fraudulent they added all kinds of extras fees on this account and the dates are XXXX by law this is against the law
Consumer complaint received 2020-12-17
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I have a Michigan Unemployment card and on XX/XX/2020 I was at a register getting ready to purchase XXXX gifts and my card was declined. However, I knew that money should have been there on my card. I went outside and called the customer service number and found that XXXX XXXX XXXX, XXXX NY XXXX XXXX ) XXXX had made several purchases and transactions on my account. I reported the incident and was told that Bank of America requires the pending transaction to post before they can report it. I waited, THEN the next day the transactions disappeared. There was then a new charge on XX/XX/2020 from XXXX XXXX, XXXX XXXX. I called Bank Of America back and reported it, they told me the same information of having to wait, I did. XX/XX/2020 I checked my Bank of America card and now both XXXX XXXX XXXX AND XXXX XXXX have made purchases of goods. I AM CURRENTLY TRYING TO REACH BANK OF AMERICA TO REPORT THE PROBLEM.
Consumer complaint received 2018-09-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (AZ)

I have no idea what this debt is there has been no debt valadation letter sent no communication from these people. I had items removed from my credit report a couple of years ago from a different named debt collector but same address. Tried to call agents very rude no mini meranda was stated and threatened they would tell my employer, they could not verify a address I ever had I never even lived in the state they had of record.
Consumer complaint received 2019-01-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc. (FL)

On XX/XX/2018, we contacted Seterus Inc, to request the pay off in good faith. The servicer appears to have engaged in Florida 's deceptive business practices for the following reasons : 1 ) the lender has provided a few pay off, not only reflecting different amount but most importantly inconsistent with the amount owed. The pay off provided by Seterus reflects the amount of {$15.00}, XXXX, for an allege escrow overdraft. We are without knowledge as to this fee added to the pay off amount. According to the loan modification agreement, Seterus Inc, collected the amount of {$1.00}, XXXX, in advance for any future escrow shortage. The account has been paid timely pursuant to the contract wherefore the account should not have an escrow shortage or overdraft. In addition Seterus have imposed a forced placed insurance despite being in receipt of insurance invoice we elected. Seterus choose to pay the the forced placed seeking to enrich themselves by placing a more expensive policy. During the last Hurricane, we filed a claim and the insurance company recently sent Seterus Inc the first draw in the amount of {$33000.00} from a total claim in the amount of {$120000.00}. Seterus Inc is holding the insurance proceeds and therefore we are requesting that the funds are applied to the pay off amount. On XX/XX/2018, the servicer communicated that were unable to to confirm that Mr. XXXX XXXX is deceased because the death certificate did not reflect the social security. Mr. XXXX perish outside the United States and is the reason the social would not be added. However, the death certificate does show the passport number which can be easy traced to Mr. XXXX which proves without any doubt that he is deceased. Before Mr. XXXX past, he quit claim the property to me, XXXX XXXX XXXX. XXXX also gave me authorization to speak on his behalf to Seterus Inc, even after his death. It is important to know that i also included XXXX XXXX on the deed. We have attached clear and convincing evidence that Seterus inc, has acted in bad faith in regards to the matter. Action is hereby demanded from the Consumer Financial protection Bureau.
Consumer complaint received 2019-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (CT)

Late payment was add to my credit report. after I told West lake to deleted it the company file a false claim to consumer finance protection bureaus claiming " Customer has filed a small claims suit and all communication must be with our Legal Department. " This response is not true. Please provided the verdict, time and date for the earnin or immediately report the late payment because it illegal to lie on court earnin on a government website
Consumer complaint received 2023-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (HI)

Just started using the American express card. There's no spending limit on this particular card and after using it for approximately 2 weeks we made our first payment to the credit card which effectively, and for unknown reasons locked up all of the credit cards for our company. 

The payment was made in the previous week early on and by Monday the following week the payment had not yet been received the cards were still not usable. When queried the company said that this is because we were attempting to make our first payment. Until a relationship was established with our bank the credit cards were going to remain locked. To be able to use the credit card up until the first payment is made and then lock the account? This makes no sense to us at all.
Consumer complaint received 2022-08-27
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: Experian Information Solutions Inc. (GA)

Hi, I am authorizing this complaint on my behalf. I can't believe you guys are taking advantage of me. I AM VERY UPSET, the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I'm demanding to be deleted immediately.
Consumer complaint received 2020-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

The card was blocked right after activation. I have provided my state driver 's license - front and back, a valid scan of my social security card, a boarding agreement at my residential address, a recent court document showing my address, and scanned the letter that Capital One sent to me and they still refuse to unblock the card.
Consumer complaint received 2021-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
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 (NC)

I noticed a sharp decrease in my credit score. I then found a fraudulent charge that was accruing late fees and interest on my Barclaysus choice rewards card. I called and reported the charge as fraudulent, and was told it would take ~ two weeks for the charges to reverse. I waited this period, and saw that the fraudulent charges were reversed, but the foreign transaction fee, late payment charges, and interest charged were either not reversed or the amount reversed was not the total related to this charge. I have called to try and get these reversed, and have been put on hold for over 5 hours total, have been hung up on twice, and continue to get passed around to different departments, none of which has been able to resolve my problem. Another late payment and further interest charges have been accrued in the meantime.
Consumer complaint received 2023-03-28
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: EQUIFAX, INC. (MD)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

US DEPT ED : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX ) : # XXXX, ( ORIGINAL CREDITOR : ) : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX / XXXX : # XXXX have violated my rights.

The following are the provisions that protect me as a consumer 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2019-07-12
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. (FL)

I recently submitted a request for investigation of several student loans, which you refused. I submitted enough information for you to carry out a reasonable investigation of my dispute, since you obviously did not investigate this account thoroughly enough the last time I submitted one. They have already verified all of these fraudulent accounts and has removed that account. They have stated when I have called them, that they have contacted your agency numerous times to have the other account removed to no avail, often noting unreasonable hold times to get through to the fraud department. 

If you had investigated properly, rather than use your XXXX system, you would have known, that not only have ever been late on this account, but that I am not the owner of this account, though your company claims to have verified this. 

It is at this time that I will point out that in Cushman v XXXX, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXXreditor/CA in question. Sending out a generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable.
Consumer complaint received 2022-07-20
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the rights to privacy.

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2020-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (OH)

There is an account from Credit Acceptance. According to court records in the City of XXXX, Ohio, the balance is {$3200.00} and payments were made by the responsible party ( XXXX XXXX ) through her employer monthly from XX/XX/2020 XXXX XX/XX/2020. Please see attached document. The court records are public knowledge and can be found at the website below, by searching for my name : XXXX XXXX   XXXX