davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-07
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSWORLD SYSTEMS INC (MD)

Although the Co-signed loans were included in Bankruptcy, the said collection company now takes responsibility of the loans sold by XXXX XXXX XXXX ( XXXX ) and in accordance with the " Consent Order '' filed against XXXX and XXXX by CFPB, they are continuing to break the law. See appended document. I was told that the loans have defaulted, even though Co-signed loans were included in the Bankruptcy, they still report negatively towards my Credit report and as a Co-signer to the loan, I was never informed that the loans were defaulted until recently. I never, ever received any notification. If XXXX and/or XXXX has refused to accept the applicable documents and continue towards collections, why was I not notified that the Co-signed loans defaulted? Again, I just found out a couple of days ago. 

XXXX  before selling the loan to XXXX has committed illegal activities by reporting negatively against my credit report - regardless of the XXXX XXXX. Now XXXX is totally disregarding and not complying with the XXXX XXXX and/or Bankruptcy. They have since mailed documents to my home - when told not to contact me in any manner ... 
I believe that there are many students ( borrowers ) just like my daughter that is constantly being silently harassed by XXXX  and XXXX ( Simply Disrespecting the Consent Order ). There are so many students  complaining about sending payments and their payments were sent back because XXXX/XXXX felt that the money was not enough.
Consumer complaint received 2021-06-08
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Consumer complaint received 2015-04-06
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc. (OH)

This company calls our home XXXX times per day. The calls are rude, harassing and threatening! We have explained to them, we are XXXX citizens. We have no debt. We have no credits or anything. The only thing we pay each month is out electric, telephone, cable.We have called the number back, and asked for a manager. We spoke to a XXXX XXXX. She was extremely rude and nasty. 
This is the company : Commonwealth Financial Systems , Inc . 
XXXX XXXX XXXX. 
XXXX XXXX, PA XXXX : XXXX : XXXX are XXXX citizens. We do not deserve to be treated with such harassment and disrespect. 
Email : XXXXXXXXXXXX
Consumer complaint received 2016-11-22
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION (FL)

Regions bankcard ... took dog to vet went to pay for services and it said when they ran it refer to card owner ... ran three times didnt work. Call and used 23 minutes of data before they bothered to answer., no music over and over how they won first place with banks for service. No one ever ever sent me an email or text stating that my card had been shut down due to a suspected attempt of use in NY. So they just dont tell you and you are in with dog at vet and you cant use it. TERRIBLE. In addition while im here they changed their website and it has something called insights and you cant get it off. How i spend my money is my business. At my other bank they took it off, I am not married my father is deceased i control my own money and dont need regions to budget my money. It was also very embarrassing that my card was turned down in front of everyone.
Consumer complaint received 2021-05-10
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. (GA)

I don't have time to waste anymore! its been past 60 days that I've been waiting for the credit bureaus to remove the fraudulent and unauthorized accounts I submitted in a dispute on XX/XX/XXXX that never received a response. Also, submitted another dispute XX/XX/XXXX that hasn't received a response to as well. The credit bureaus are in violation with the FCRA and HIPPA laws. I am a victim of identity theft, i brought this to the attention of the credit bureaus more than once but it seem I'm being ignored. they have caused me tremendous hardship due to the fact their letting unauthorized accounts that are fraudulent report to my credit report. I will bring this matter to the attention of the XXXX XXXX XXXX and the office of attorney general of Ga this week!!!. Ive been affect by the XXXX XXXX, and XXXX XXXX XXXX data breach. i explained this before I had my identity stolen by someone that used it to get unemployment benefits in my name last year. Their is obviously someone using my identity to do things I have not authorized. As the original creditor, only I can validate these accounts. I do not validate these account. Therefore, the following accounts must be deleted from my report. I will also seek litigation and {$1000.00} per violation for Defamation, Negligent Enablement of Identity Fraud, Violations of 15 U.S.C 1692g if these accounts are not deleted immediately off my credit report.
Consumer complaint received 2018-08-07
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. (CA)

I paid my car loan off to XXXX XXXX XXXX 5 months early, closing my account. This resulted in my FICO scores decreasing by an average of 40 points in XXXX, XXXX and Equifax. When I inquired, I was told " When there is a sudden and unexpected change in your payment status, like paying off a loan early, the algorithm reads 'account closed early. ' That's just the way the algorithm works. '' To summarize : I paid my car loan off early, and credit agency 'algorithm ' punishes me with a 40 point FICO score reduction.
Consumer complaint received 2019-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC. (WA)

I sent a letter to evergreen professional asking to remove the collections account. I never received a response I have been making monthly payments ( direct withdrawal ) they take {$50.00} a month from me. It should be paid in full
Consumer complaint received 2022-06-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO. (FL)

XXXX  XXXX, XXXX, I was scammed by a perpetrator false identifying as a loan agent under he XXXX XXXX. The perpetrator was clever enough to use XXXX XXXX XXXX, Logo, And legal agreements to gain access to my Chase Checking Account ending in XXXX and make claims in reversals of payments that were already made. The amounts that Chase did not honor due to me being scammed are in the amounts of - {$1000.00} + - {$620.00} + - {$220.00} + - {$550.00} + - {$550.00} + - {$550.00} + - {$400.00}.
Consumer complaint received 2019-03-27
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CarMax, Inc. (CA)

On XX/XX/XXXX I cosigned for a truck loan that I believed was for one year with Carmax. 
I was contacted by Carmax when the loan went into arrears in late XXXX. When I had explained to them that my contract was for one year, they informed me that I was liable for the entire duration of the loan. 
The languge at the time of the signing was vague and misleading. 
In order for my name to be removed from the loan after one year the loan would have to be refinanced. 
Carmax does not refianance any of their loans. 
I acted on good faith with what I was being told at the time of the signing, making it clear that I only comfortable with a one year contract. 
The representative was vague and ambiguous with reguards to my questions and understanding. 
In XXXX of XXXX the loan was charged off by XXXX owing XXXX.
Consumer complaint received 2018-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (MD)

I reached out to my creditor regarding my account. I was told that if I brought my account current before the XX/XX/XXXX then I would not be reported to the credit bureau. Payment was made before the 90 day deadline. Hence, I was reported with 2 separate items on my credit report.
Consumer complaint received 2022-06-20
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: Experian Information Solutions Inc. (NY)

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. 
XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 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 2018-08-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Regional Management Corporation (NM)

Hi : my name is XXXX XXXX, on XX/XX/XXXX I got a XXXX loan from Regional finance XXXX XXXX XXXX XXXX, XXXX XXXX, NM XXXX, on XX/XX/XXXX I made a payment of XXXX that apply for a few months, from XX/XX/XXXX to XX/XX/XXXX then we made another XXXX payment on XX/XX/XXXX, to cover from XX/XX/XXXX to XX/XX/XXXX, from XX/XX/XXXX didn't make any payments till so they added XXXX interest on the balance, XX/XX/XXXX I made a payment of XXXX they applied to the interest. then I made 9 more XXXX payments, they applied all 10 payments to interest balance went up fromXXXX to .XXXX now they are charging interested over interest. I want to pay in full but I think my it's to much XXXX it's not fair. I'm willing to pay what's rights, I spoke to the manager XXXX XXXX and discuss about haw interest works and he kind of explained but I wasn't convinced I need your help please.
Consumer complaint received 2018-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I opened this pre-paid credit card and opted for paperless billing. I never received a statement and only found out I had an outstanding balance when they reported me 30+ days late and it appeared on my credit report. 

I called them and told them I had never received an email statement notification. They asked me to verify my email and when I told them it was XXXX they told me that there was a known problem with their emails not going through on XXXX. So I immediately changed to another email address and am now getting the statements. 

I asked the rep if they would take off the 30 day late as I never received a statement and they knew XXXX was a problem. I was told that it was my responsibility to be checking online for my statement and as I had agreed to paperless billing they would not change it. 

I feel this is unfair as I would have immediately paid my bill had I received a statement and they were aware of the issue with XXXX. As I had recently opened the account and had never received a statement, I did not realize that I had not received one. 

I believe in light of it being a new account and them knowing that XXXX was not delivering statements consistently they should remove the 30 day late. I spoke to 2 different people who flatly refused.
Consumer complaint received 2022-06-20
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. (GA)

n accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX # XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX  # XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2018-05-19
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (FL)

I was approved for a {$1500.00} loan through One Main Financial. And when I was able to provide all the required documents, I was told the loan was denied. Waste of time and inquiry on my credit report. Why call someone and say they're approved and have them allowing you to view personal information to slap them in the face.

This company is a fraud.
Consumer complaint received 2015-11-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SKO Brenner American, Inc. (FL)

SKO Brennar American - collection letter rec 'd - phone XXXX XXXX XXXX XXXX, NY XXXXXXXXSent to XXXX XXXX XXXX XXXX FL XXXXTel XXXX # XXXX - they refuse to give me original creditors information and has threatened to report this onto my credit report unless I pay. 

Dear SKO Brennan American, I never rec 'd trial offer from your client. In addition when I called you to discuss the collection letter I received - your representative refused to provide me with your clients information. I feel that I am being extorted and have reported this incident to FTC. I do not want to fall victim to any fictitious claims and feel as if this is one that qualifies.
Consumer complaint received 2022-06-20
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. (ND)

in accordance with the fair credit reporting act my rights have violated. 

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 united accounts- {$4100.00} XXXXXXXX XXXXXXXX XXXX {$2000.00} XXXX XXXX XXXXXXXX {$1000.00} XXXX XXXX XXXX XXXX {$3900.00} XXXX XXXX XXXX XXXXXXXX capital XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX auto finance XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: SUNTRUST BANKS, INC. (MA)

On XX/XX/XXXX as requested by my builder I sent XXXX from my account at XXXX XXXX to Suntrust Bank in Florida XX/XX/XXXX -- -called builder -- did you receive funds -- he says I never sent that email XX/XX/XXXX Call XXXX they open an investigation XX/XX/XXXX investigation concludes with no funds returned to my account On or about XX/XX/XXXX I called Suntrust and spoke to XXXX XXXX in their compliance department she was not only rude but would not give you any information to assist we simply want to know where our money went and if we can get it back we are hard working people that can not afford this loss as we are building our home for our family I have the account numbers for the account involved
Consumer complaint received 2018-08-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (TX)

After reviewing my credit profile on XX/XX/2018 I identified a discrepancy with account listed under Wakefield & Associates. I requested a validation on XX/XX/2018 as there were 2 accounts that I did not recognize. I reviewed my credit report again on XX/XX/2018 and account was listed as disputed by consumer but I had not received any correspondence from creditor to validate this account as correctly belonging to me. Therefore on XX/XX/2018 I sent a direct dispute to XXXX  requesting that account be removed from my profile as the creditor failed to validate the account in a timely manner. Credit report was reviewed again on XX/XX/2018 and the account is still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally access my medical records and to attempt to collect on this account and this account continues to negatively affect me.
Consumer complaint received 2016-02-05
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC (MI)

My name is XXXX XXXX XXXX and i, m being Deined the right to Purchase a House from HUD .My credit # is XXXX the Bank is saying that i need XXXX or XXXX to get a Home Loan even the Credit Union is saying thati need XXXX and XXXX to buy .Thats a Violation of my rights it puts me in a deined state .We are also being Deined because we don, t live in Mississippi, But we are relocating to Mississippi.
Consumer complaint received 2023-03-03
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: CL Holdings LLC (VA)

Jefferson Capital continues to report an account on my credit report that doesn't belong to me. I have disputed this debt several times through the credit bureaus but the account info keeps coming back and reported as accurate. In addition I have been harassed bullied and sued by Jefferson Capital about this debt. I was sued 2 times and won the case each time. It was proven in court on XX/XX/XXXX and again on XX/XX/XXXX that I do not owe this debt and the case was dismissed with prejudice by the court. As of XXXX XX/XX/XXXX this account is continuing to be reported on my credit report. This account needs to be removed from all 3 credit reports because it has been proven in the court of law that the debt doesn't belong to me. I will like this debt removed from my credit report.
Consumer complaint received 2022-06-20
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. (NY)

n accordance with the Fair Credit Reporting act 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 -Account Number XXXX XXXX XXXX XXXX - Account Number XXXX XXXX XXXX -Account Number XXXX XXXX XXXX - Account NumberXXXX XXXX -Account Number XXXX XXXX XXXX
Consumer complaint received 2022-06-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: OPTUM BANK, INC. (WA)

In XX/XX/XXXX, I left XXXX so my XXXX provider Optum Financial started to charge me Connect Your Care ( CYC ) Stand Alone Fee, which I was notified about. Starting XX/XX/XXXX, because something happened between CYC and Optum Financial, Optum stopped charging me CYC Stand Alone Fees, XXXX dollars per month. But this XXXX Optum Financial started charging me CYC Stand Alone Fee again without notifying me or updating the agreement. Starting XX/XX/XXXX I was also charged XXXX management fees XXXX dollars per month without being notified. I called them on XX/XX/XXXX, they just told me to refer to the FAQ rather than showing me supporting documents that state the charges are legal.
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I am very displeased and disappointed that my information has been in a few breaches which have allowed fraudulent accounts to populate on my consumer report. I was trying to buy a home and I discovered all these accounts. This is jeopardizing and violating my privacy and my consumer rights. Per 15 USC 1681 law, you all are in violation of this statute. I take my livelihood seriously and I am trying to better myself and my family 's life. This is not fair and I am demanding that credit reporting agencies to remove all fraudulent accounts immediately.
Consumer complaint received 2022-06-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Assistance Inc (CA)

Back in XX/XX/2020 I submitted a XXXX XXXX XXXX and other documentations about this account was created without me knowing. The person that has created the accounts was charged and in process of being on trial. I have all the documents required. The debt was placed into collections without me knowing.
Consumer complaint received 2022-06-20
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. (GA)

XXXX. XXXX. XXXX XXXX. XXXX XXXX. 
XXXX XXXX. XXXX XXXX. XXXX, XXXX XXXX XXXX. 
XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX These accounts need to be deleted from the credit profile.
Consumer complaint received 2018-04-26
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: FEARON FINANCIAL LLC (FL)

XXXX XXXXXXXX has been Posting & Distributing misleading advertisements without proper disclosure. In fact, there are NO disclosures on this advertisement. 
This is one of several advertsisements I have seen lately. 

It seems all that XXXX XXXXXXXX is arbitrarily running advertisements for mortgages and feels they are exempt from Fair Housing Regulations. 

This is DECEPTION at its finest and due to the number of these types of advertisments lately it seems XXXX XXXXXXXX is aware and has done nothing about it.