davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CNG FINANCIAL CORPORATION (MI)

Please be on notice that I am submitting this complaint to your company regarding blatant violations of my rights as a consumer. I am submitting this complaint based upon the following list of harassment and items of complaint : 1. I borrowed {$450.00} from your company and the total of the loan was {$630.00} after late fees and taxes.

2. The loan went into collection and I made arrangements to meet the agreement.

3. My remaining balance is {$210.00}, and your company was taking {$100.00} out of my account weekly.

4. In good faith I agreed to pay the stated remaining balance, however, the said collection agency started calling and threatening me with a lawsuit.

5. The harassment got very outrageous : a representative of said company named XXXX started calling me on my cell phone all times of day and nights stating that he was going to file a law suit and have me served a lawsuit at my place of employment! 

Therefore, since I have been threatened with by the collection company, I am now pursuing this matter by filing a complaint with the Consumer Financial Protection Bureau. I missed XX/XX/2018 payment, and in good faith attempted to make re-arrangements on the payment agreement but said company refused to allow same. 
I contend that XXXX XXXX XXXX influenced me, under duress, into a predatory loan. I further state that the collection agency is, with wanton disregard, violating The Fair Deb collection Practice Act.

This act prohibits collection agencies from harassing, threatening and inappropriately contacting someone who owes money. 







In addition, The Federal Trade commission uses the FDCPA to block debt agencies from using abusive, unfair or deceptive practices to collect from consumers. 

THEREFORE, I am seeking fundamental fairness in the way I am treated as a consumer with said company/agency, and re-negotiation of the debt agreement. Meanwhile, I look forward to a response or offer to resolve this complaint. 


Respectfully submitted, /s/ XXXX XXXX Cc : Consumer Financial Protection Bureau U.S. Attorney General Office Federal Trade Commission XXXX XXXX XXXX  [ L.S. ]
Consumer complaint received 2022-06-18
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. (CO)

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

XXXX XXXX XXXX Section XXXX A, States I have the right to privacy XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (DC)

The company did not put the {$1000.00} credit card cap on the blue american express for the second card holder under my account. {$1000.00} is the cap that applies to my blue american express card at the time I applied for it and till the day it closed. Per the agreement with american express, this should have been the cap on the second card holder 's card as well. I did contact american express multiple times to ask them to enforce this cap. They did not and the second card holder was able to spend more than {$10000.00} on his card In addition, American express charged close to {$10000.00} in interest from the time the second card holder received his card to the day American express closed the account. I always pay my card in full so none of this interest is associated with my card. Now, American express wants me to pay the full amount plus interest for the second card holder 's card.This has affected my credit score since I did not anticipate this and I don't have the cash to pay it in full. Meanwhile, the interest fees keep piling up.
Consumer complaint received 2018-11-12
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: American Credit Acceptance, LLC (TX)

I have reached out 3 times by email to the company and advised them that the loan balance has not been updated since XX/XX/2018. On my credit report it shows last payment as XX/XX/2018 and the balance has not changed. It is XX/XX/2018, and payments has been made on time every month after XXXX. The balance has not decreased since XXXX and last payment has not been updated since XXXX. I am asking that this get updated, as I pay on time every month.
Consumer complaint received 2017-11-09
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc. (OH)

My husband & I are seniors with a landline. We have gotten into the habit of NEVER answering a call unless we recognize the number calling. About six months ago, we started receiving calls from about ten different numbers that always said the name of a city near our vicinity -- XXXX, OH ; XXXX, OH ; XXXX XXXX, OH, etc. on the caller I.D . We never answered these, but noticed that they were always " XXXX '' area code & began with the same three digit exchange -- " XXXX. '' There were too many numbers calling for us to block them with our phone provider, so we just suffered through, being interrupted at all times of the day to rush to the phone, only to see it was one of these XXXX. After so many months of this, I finally called one of the numbers back immediately after they had called us. They did the whole, " this is an attempt to collect a debt '' spiel and then informed me that they were looking for our son. They are Diversified Consultants calling for XXXX XXXX. My son has n't used our landline as his phone number for over TEN YEARS! And should n't XXXX XXXX have his cell phone number as they used to provide his service? And yet they are constantly bothering me & my husband every, single day for six months, sometimes calling five or six times a day starting at XXXXXXXX XXXX. They will never reach my son through this number, and I informed them of that ; they still continue to call. They do n't call as often, and they have begun calling us from different locations -- XXXX, IL or XXXX, OH, but they call us still. We are not responsible for our son 's debts. He is over XXXX, and self sufficient.
Consumer complaint received 2022-06-18
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. (CO)

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

XXXX XXXX XXXX Section XXXX A, States I have the right to privacy XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2018-11-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I saw inquiries on my Transunion credit report. I called their customer service number to speak to a representative and tell them that you have been a VICTIM of their inquiry issue. They would not help me. The Inquiries are listed below. 

XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX   XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/2018
Consumer complaint received 2018-11-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I saw inquiries on my Transunion credit report. I called their customer service number to speak to a representative and tell them that you have been a VICTIM of their inquiry issue. They would not help me. The Inquiries are listed below. 

XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/2018
Consumer complaint received 2018-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (WA)

Hi. I am the executor of my deceased brother 's will. Chase bank ( Credit Card ) owes my brother {$1000.00}. As the executor of his will I have obtained ( at considerable expense ) the necessary legal document to claim these funds ( Order of Summary Administration - Attached ). All other entities that owed my brother funds have come through. I have sent this Order to Chase and have spoken to them on the phone multiple times. Thus far, they have refused to honor the Order of Summary Administration and settle this matter. I sent Chase the Order of Summary Administration on approx XX/XX/18.
Consumer complaint received 2017-11-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCC Business Services, Inc. (NH)

NCC XXXX XXXX VILLAGE/HOUSING MGT/S {$300.00} NCC XXXX XXXX VILLAGE/HOUSING MGT/S {$600.00} I have lived up to my agreement and nothing is owed by me. I understand that the property XXXX, XXXX XXXX, was quite annoyed by the complaint I submitted to her home office about her, but there was no need to engage in a petty attempt at retribution against me and costing NCC to service a fictitious bad debt note. 

MY PROOF of adherence to the terms of the original rental lease is as follows : As per the original lease with XXXX XXXX dated XXXX/XXXX/XXXX Monthly payments of {$850.00} were due on the first ( 1st ) of each month, and considered late on the sixth ( 6th ) of each month. 
And, as the original lease reads, the monthly rent was a flat {$850.00} XXXX see attached XXXX XXXX XXXX. TERMINATION OF TENANCY BY RESIDENT Upon the first anniversary of this Lease, the resident may, at any time, thereafter, terminate this agreement by giving the Landlord a written notice of its intention to terminate. The tenancy is then terminated within thirty ( 30 ) days or at the end of the next rental month following receipt of notice, whichever is greater. 

DOCUMENTS INCLUDED : Page XXXX of the Original XXXX XXXX XXXX XXXX - Rental termination letter for XXXX XXXX XXXX - Rental payment/final payment for XXXX XXXX
Consumer complaint received 2018-11-12
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: BB&T CORPORATION (NC)

I was refunded XXXX XXXX dollars from security deposit from an apartment complex. The check was written off BB & T. I went in there to cash the check and they refused to cash it because I didn't have an account. I wasn't the maker of the check. Instead, I was the payee. I'm not sure if I was supposed to have an account with them, since the Apartment Unit name and full address was on there. I ended up having to cash it with my Bank. I am complaining because I have had similar experiences with BB & T. They won't cash any type of check and in this case one with their information pre-printed on there. I'm not even sure if the teller looked the info up to see if the client was in their database. I live in a county where there are at least 3 BB & T banks.
Consumer complaint received 2021-12-06
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: Exeter Finance, LLC. (CO)

XXXX is reporting fraudulent Credit inquiries on my credit. 

I am writing to request the removal of fraudulent credit inquiries on my transunion report. My latest credit report shows six inquiries that I did not authorize. I am writing to dispute the inquiries and ask for their removal from my credit report immediately. Please have these fraudulent inquiries removed from my report within 30 days as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once it is resolved.
Consumer complaint received 2018-11-12
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: HSBC NORTH AMERICA HOLDINGS INC. (TX)

his letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. If you are in possession of any document that you believe authorizes you or your organization to make inquires into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. Finally, assuming you do not posses inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests.
Consumer complaint received 2018-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Choice Recovery, Inc. (OH)

I have an unverified account from CHOICE RECOVERY. I had previously disputed this account. I have never done business with CHOICE RECOVERY. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CHOICE RECOVERY provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CHOICE RECOVERY Cease and Desist all further communications and collection actives and provide the verification of the purported debt. 

THESE 2 ACCOUNTS HAVE BEEN PAID IN FULL - TRANSACTION ID XXXX XXXX THERE IS A {$0.00} BALANCE
Consumer complaint received 2022-03-31
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. (IN)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # 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 2018-11-12
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Allegiant Capital Recovery LLC (CA)

Allegiant Capital Recovery attempted to collect on a debt that they were not entitled to collect on. The company my debt is with had withdrawn the debt from their company 2 months ago because of their harassment towards me. They have continued to call me and berate me while threatening to sue me for {$5000.00} which is nowhere near the amount I owe. They have verbally harassed me and tried to get money out of me that they are not entitled to. They are a disgusting company who should cease to exist.
Consumer complaint received 2018-11-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NC)

In XX/XX/XXXX and XX/XX/XXXX Freedom Mortgage lost my mailed in payment and filed derogatory reports to the credit bureaus. Though I immediately responded to them when they called stating my account was late with the check numbers, tracking numbers ( proving delivery of payment ) and amount of payment, EACH TIME they would not accept this information to begin to research the lost payment. EACH TIME they REQUIRED me to provide the front and back copies of the payment before they began to research. EACH TIME they provided the credit bureaus with derogatory reports about my payment history. EACH TIME their collection agents erroneously called me multiple times a week. This is highly unprofessional on Freedom Mortgage 's behalf to misplace payments and falsely state to credit bureaus that customers are late on mortgage when in fact their employees are negligent in their processing of payments. When Freedom Mortgage recognized the error, they should have IMMEDIATELY submitted corrections to my credit report rather than wait for me to continuously follow up with them regarding this error. In an age where EVERYTHING is maintained online, it is hard for me to believe that Freedom Mortgage is unable to search check numbers and access how the money was applied on their end. Freedom Mortgage should IMMEDIATELY change their procedures for the applications of mailed in payments.
Consumer complaint received 2018-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

XXXX XXXX  decided on there own to keep an inactive checking account open for years. I never made any use of the account for years. XXXX XXXX XXXX recently reported to the credit bureaus that I failed to pay them {$77.00} seventy seven dollars as an attack to decrease my credit scores. I never owed XXXX XXXX XXXX XXXX {$77.00} seventy seven dollars which is used as a personal message to attack me because my birth year is XX/XX/XXXX. This account was never in use since XX/XX/2014.
Consumer complaint received 2021-11-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/XXXX I had received multiple alerts to my phone about suspicious transactions being made. I checked my email and saw that there was a charge for company catrying to be made to my personal account. I checked my bank account and saw no charges so I thought everything was fine. So I replied to the Capital one warning about fraud YES everything was okay. 

But then the next day I woke up to a total of {$3600.00} charged to my personal checking account. I attempted to call capital the same date to have them cancel the charges immediately. But instead they told me I would not be allowed to dispute anything until the charged fully posted. And that did not happen until XX/XX/XXXX. I immediately called back XX/XX/XXXX as soon as the charges were posted to explain to them that the charges were not authorized by me. And that there was no products sent my way regarding these XXXX transactions. 

I have already tried to call this company multiple times. Instead I get someone on the phone pretending not to know whats going on. I have emailed the company XXXX explaining them that I never made or received a purchase by them. Over the phone the man told me that the XXXX product was already used. And that a username and password was used. I explained to him that I never approved any transaction. That my bank should have rejected those charges. The person tells me theres nothing they can do to help me at this case. 

I wait a full week for my bank capital one to get back to me and all they say is that We finished researching your dispute ( XXXX ). Based on the information we have, your claim has been denied because : We finished looking into your claim and didn't find an error. 
You can still try to resolve this directly with the merchant ( XXXX ). 


For the love of God they put no effort into helping me with this issue. $ XXXX gone in minutes and they say everything was authorized. This company XXXX is international, capital one told me that they are located out in XXXX. Ive explained to capital one that I have no idea why my information was being charged multiple times on their website.
Consumer complaint received 2018-11-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (NY)

Citibank is playing dirty. I have two accounts which are checking and saving accounts way before XX/XX/XXXX. I was never charged monthly service fee before then all suddenly in XX/XX/XXXX I was charge {$25.00} per account. I went immediately to the bank and they apologized saying some changes but Citibank ended refunding me the {$25.00} per account. The monthly {$25.00} charge stop but not for long in XX/XX/XXXX again the $ XXXX  monthly fee was charged to both accounts. I didn't noticed that until today XX/XX/XXXX that I have been charge a total of {$150.00} total for the past 3 months for both accounts. 

It seems like Citibank wants to know how much they can get away with