davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-11
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Green Square Company LLC. (VA)

I obtained a cash to pay day loan and fell on financial hardship. Recently, I 've been receiving what I would consider harassment from their debt collector, PRG. According to the CFPB law, the debt collector can not contact my personal references more than once. They called two of my family members and I with the message This is a final legal notification for a XXXX XXXX. My name is XXXX XXXX contacting you regarding your case. The case number is XXXX cases pending to be filed against you with the XXXX XXXX County court. If you want to take care of it outside of court you need to contact me immediately at XXXX. She also left a messages with them stating that I'vd written bad checks that bounced. Although it is not true ... this is extremely embarrassing. It has caused conflict with my family and my character is being smeared. I contacted the CFPB and they stated they should only use the references to find my location, not to threaten. I also contacted the company to get their business information. When I asked for the address, she placed me on hold for a few minutes and provided XXXX XXXX XXXX. XXXX, NY XXXX and then when I asked for their professional business license ... she transferred me to XXXX XXXX who did n't want to provide any information and stated I would have to contact the state in order to obtain the number. 
In addition, she said she has surveillance of me walking into the loan place, using my XXXX XXXX  card the funds bounced and they will be filing with the city tomorrow if I do not satisfy my debt.
Consumer complaint received 2021-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC (IN)

Lexington law predicted 6 months of their services would fully correct my credit score. I believe they knowingly are misleading customers about that timeline. I used their services for 4 months, and they only thing they did was lower my credit score. 

When I confronted them about the 6 months quote on work, they had platitudes already in place to excuse away that prediction. Further, solidifying my suspicion that 6 months of service never fully completes their work. 

Even more egregious, when I tried to cancel, they attempted to persuade to keep me as a client by saying they could do more. I was already paying for their top tier of service. Yet, somehow there is more than can do if you threaten to leave.
Consumer complaint received 2017-12-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (GA)

A credit record from unknown company was reported to my collections account at XXXX XXXX, 2017. I highly suspect someone stole my identity to perform this transaction. 

Original Creditor : XXXX XXXX XXXX. 
Amount : {$430.00} Creditor information : XXXX XXXX XXXX
Consumer complaint received 2015-06-23
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Arcadia Holdings, LLC (CA)

My daughter received XXXX services at XXXX facility, I had paid the {$25.00} copayment. 
Insurance statements and credit card statements confirm I paid the {$25.00} copayment. 
I sent a certified mail to debt colletor with proof of payment. I kept record that letter was received by debt colletor. 
After sending the mail, debt collector keeps calling statign they have not received any certified mail, that I still how {$25.00} + interests. 
I had to sent a fax with all information again.
Consumer complaint received 2016-11-10
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: KEYCORP (FL)

Key bank, XXXX & XXXX are reporting incorrect : 1 ) That my last payment to Key bank is XXXX XXXX, and is not, my last payment is XXXX XXXX. 
2 ) I paid late fees in XXXX I was never late. Please have bank credit back fees. 
3 ) They show 30 days late XXXX, XXXX XXXX was not 30 days late please have them correct this is affecting me
Consumer complaint received 2017-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My credit line with BOA credit card was drastically and unjustly lowered from approx. $ 33k to {$1200.00}, A WEEK AND HALF AFTER I REFINANCED, AND PAID THIS CARD OFF IN FULL. THIS ACTION HAS DRASTICLTLY EFFECTED MY CREDIT SCORE, AND ABILITY TO GAIN ADDITIONAL CREDIT. 

I have been with BOA for approx. 20+ years, always with an A rating always paid on time. 
I have had a long relationship, various business, personal, and merchant accounts, and did over 1 mil in biz, all A rated, paid on time. 
In XX/XX/XXXX I refinanced my home to an FHA % 3.27, and paid off 3/4 of the balances on credit cards, LOC, and cashed out $ XXXX, still retaining a 2.1 loan to value. 
In XX/XX/XXXX my Refi FHA Mortgage Loan was $ XXXX, appraised {$1.00}, with comp values {$2.00} - 2.4. So my financial and credit situation improved with these transactions. In addition, I my credit was good enough to have qualified for an FHA loan. There were no derogatory information on my credit reports, and all in good standing. 
I completely paid off this BOA account, wanted to retain this account to use, for medical, etc. only when and if needed, due to the low % rate, and relied on having this credit available. And due to my credit history and long relationship, I was receiving a low 6.99 % rate on this account, with an A rating. 
Directly after pay off, in XX/XX/XXXX, a weeks after refi, BOA drastically lowered my credit limit from {$33000.00}, to {$1200.00}, stating inaccurate, unfair, and false information. As my financial situation IMPROVED with my refi lowering my % on mortgage , % on credit, and pay offs, and my monthly overhead was lowered by more than 35 %. I tried to deal with BOA, but they offered no help. 
Therefore, I believe that BOA committed ANOTHER act of fraud, and MORE unfair business practices.
Consumer complaint received 2021-07-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Outsourcing, Inc. (PA)

This company has been trying to collect the debt from me despite XXXX XXXX submitting a debt to them in error. XXXX has already confirmed that they have retracted the account related to me that they had filed with them ( in error ). The Maryland Attorney Generals Office has been investigating this case for some time, and this company has ignored this aspect of the bill.
Consumer complaint received 2019-05-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I disputed an account called XXXX XXXX XXXX with Transunion which is a credit card on my credit report because it was inaccurately reported as closed and past due. I also reported XXXX XXXX to CFPB in a previous dispute for violating my FCRA rights and falsely ruining my credit. This account was supposed to be in XXXX status and I never received bills or any letters or notifications from XXXX XXXX believing that the account was put in the correct status per my request before XXXX. What I came to find out was that XXXX XXXX XXXX failed to note my file as XXXX or lost any notes stating that it was in this status. However they were reporting my card as current for three months until this XX/XX/2019 when their system had an error. I sat on the phone with XXXX XXXX XXXX for 4 hours talking to a supervisor named XXXX who told me to dispute this with each credit bureau and they would correct it when the bureaus contacted them. Before hanging up the phone with XXXX I also made a {$200.00} payment for my XX/XX/XXXX payment which isnt due until the XX/XX/XXXX,  meaning I paid my bill well before its due date. This was something I was told would also be corrected on my credit report. 

This morning I was told my investigation was complete by TransUnion and that not only did they not correct the status of my XXXX XXXX account and return the 40 points they took from me they reported XXXX XXXX as an entirely new account, meaning they dont have to give my points they stole off my credit report due to a direct falsely reported status by XXXX XXXX. This new account that they posted instead is the exact same account number. This is illegal to XXXX with people credit like that. Its ruining my credit and making me look untrustworthy as a consumer.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

In applying to get this information removed for about the seventh time I will refused to stop trying to because of my rights. Also I have been told that the CFPB hasn't looked because of the fact that they have a XXXX who have an complain in and because of this don't repay and therefore the credit company knows this and gives the same answer and that is not right. It's not my fault nor is it the problem of everyone that has filed an complaint. This information was removed by XXXX because of the facts and therefore moved the it from their records based on the same facts i attached in the to this complaint. There's a need to assure that the consumer reporting agencies exercise their grace responsibilites with fairness impactiality and respect for consumers rights to privacy in applance with the fair credit reporting act 5611. 15. U.S.C. & 16811 states that the information must be deleted.
Consumer complaint received 2022-04-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION (TX)

Truist offered a {$500.00} bonus to open a checking account with direct deposits. I met the requirements but the offers page says " The participating checking account was closed before qualifications were met. '' My account is still open and I can log in and see my deposits. What's wrong with their technology?
Consumer complaint received 2021-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

So to begin, on XX/XX/2021. I initiated ( Sent ) a XXXX XXXX p2p ) payment of {$950.00} to a family member as a loan to help take care of some bills she had owed money on using my personal bank account at CAPITAL ONE. Usually when sending money from my bank to someone, it typically arrives to the receiver with in minutes, as it is something that I also often do without having to deal with any know issues. However, this time around not only did it take more than a few minutes to arrive to the recipient, it has also been a TOTAL OF 27! DAYS! Since Ive initiated this payment and the money have still not been received by my family member. We have both spoken to our banks about this issue, on her end she was told by her bank that they have authorized the payment to be released in her account but however, my personal bank CAPITAL ONE have refused to let go of the funds that I sent. Ive spoken on the phone with an agent from Capital One on exactly the date XX/XX/2021, I was told on the phone that since it was an XXXX payment the transfer was already made and they could not cancel it neither return the funds, but I was told that I can dispute the transaction which was I what I did and I was told the very same day via email that We finished researching your dispute ( s ). Based on the information we have, your claim has been denied because : We finished looking into your claim and didn't find an error.. Almost a month later the recipient still hasnt received the payment of {$950.00} that was i sent and was told by their bank that they have seen the transfer transaction but has not received the money from my bank.
Consumer complaint received 2018-01-11
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (LA)

I have been paying on my student loan for 9 years, and recently noticed the total balance barely changed. Went to Navient website XX/XX/XXXX, and exported entire loan history to XXXX. Using the information provided I determined I 've been paying an average of 55 % interest since XX/XX/XXXX. 
I can not get any explanation with online tools and can not hold long periods of time on phone with automated system. Finally, appropriate email contacts are difficult to find or not published.
Consumer complaint received 2018-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

This is the 2nd official complaint against XX/XX/XXXX regarding their inaccurate reporting to the credit reporting agencies. I have been dealing with this since XX/XX/XXXX. Because I filed a complaint through CFPB and the State of Texas Attorney General 's office XX/XX/XXXX is not only incorrectly reporting to the credit reporting agencies incorrect information but they are purposely reporting different information and running my credit report ( s ) multiple [ al times causing financial harm.

Original CFPB complaint # XX/XX/XXXX- XX/XX/XXXX
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX  {$4300.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$4100.00} XX/XX/XXXXXXXX XXXX XXXX {$2000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$1900.00} XX/XX/XXXX XXXX XXXXXXXX {$1400.00} XX/XX/XXXX XXXX XXXXXXXX {$1000.00} XXXX XXXX XXXX XXXX {$980.00} XX/XX/XXXXXXXX XXXX XXXX {$840.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$800.00} XX/XX/XXXX XXXX XXXXXXXX {$660.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-05-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (FL)

I purchased my home at XXXX XXXX XXXX XXXX XXXX in XXXX XXXX FL XXXX in XXXX and refinanced it spring of XXXX. The mortgage has been sold to a new servicer, Flagstar Bank. The current loan # XXXX was for {$370000.00} and I owe {$360000.00}. The last appraisal came in at {$400000.00}, but current valuations and comp 's are above {$450000.00}. As such, I contacted Flagstar to ask about removing PMI of about {$100.00} per month. They responded 4 weeks later in a letter stating that they would not consider the cancellation of PMI based on current value of the property, only through documented proof of property improvements. Doesn't this stipulation violate the Fair Lending Act? Can a lender arbitrarily force the customer to keep PMI even when the value of the home has risen significantly? Do I have any legal recourse, as this was not documented in the loan paperwork when I refinanced last year.
Consumer complaint received 2018-06-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC. (FL)

I have been to court and was making payments as agreed as per court order. However, the debt collection agency ( XXXX XXXX XXXX ) refuses to send me monthly statements showing payments and balance on the account. I have reached out to them on several occasions with no success in resolving this issue. I stopped making payments due to there is no way on knowing when the debt will be paid with no statements. The debt collector is unreasonable and will not come to a reasonable solution in this case. Midland has taken money out of my account which are the funds from my monthly social security check. I received a letter about going to court to garnish my wages after the funds had already been taken from account with my social security. The balance continues to rise due to adding on late and attorney fees and court cost. I did not receive any notification about a court date regarding garnishing my wages. I have bank statements showing the payments that have been made to this company and the balance continues to go up. Midland has tried to collect this debt for XXXX XXXX XXXX the original creditor. The original creditor ( XXXX XXXX XXXX ) has solicited me to obtain another credit card. I used the card to see if it was legitimate but later called to closed the account. Please help with this in any way you can I am an elderly woman that can not afford anyone taking funds from social security benefits. I am the head of my household and spend a lot on medicine and doctor visits from my illness of being a XXXX.
Consumer complaint received 2022-01-06
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX - -Date Opened : XX/XX/2019 XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) -XXXX-Balance {$760.00}
Consumer complaint received 2019-05-12
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I made a payment of {$2300.00} on XX/XX/XXXX and the credit card company USAA placed a hold on my cc until XX/XX/XXXX. The company refused to remove the block or return the payment.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2018-01-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

XXXX XXXX XXXX XXXX XXXX sent me a letter on XX/XX/17 in attempts to collect a debt from a debt collector. This letter did not include a statement describing my right to dispute the debt as per FDCPA guidelines. 

The letter also stated " the total balance on the day you pay may be greater as a result of fees and interest that continue to accrue. '' This does not comply with the FDCPA 's requirement that debt collectors clearly state the amount of debt. By failing to provide additional information such as the interest rate, date of accrual, and nature of any added fees.
Consumer complaint received 2018-01-11
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: JPL Recovery Solutions (PA)

The person calling Identifies himself as XXXX XXXX from JPL. Would like to talk to me about legal matters. He has been calling and harassing my family members, sons, parents, my sons girlfriend parents, my ex wife and so on wanting personal information about me. He keeps persistently calling when told not to and threatens to keep calling everyone related to me or friends of mine until they tell him the information he wants about me. I have not received any mail Correspondence regarding this business. I feel this is beyond harassment. This company should be shut down! I dont even know if its a legitimate company or some kind of scam. The phone number that has been calling : XXXX
Consumer complaint received 2021-07-13
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: EQUIFAX, INC. (GA)

I sent these accounts for dispute to the credit bureaus and did not get notification regarding the results of the dispute letters I sent for several months : XXXX XXXX Account # : XXXX XXXX  Account # : XXXX XXXX  Account XXXX : XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # : XXXX XXXX Account # : XXXX XXXX XXXX  XXXX  Account # : XXXX & XXXX XXXX XXXX Account # : XXXX XXXX  Account XXXX XXXX XXXX, XXXX & XXXX