davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-21
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (TX)

On XXXX XXXX, 2016 I called Wells Fargo about depositing my {$1000.00} loan from my XXXX check. I was told that it would be added to my balance on the following day. I deposited the check and the bank added the check that morning and then removed it from my balance telling me that the check had been returned. I then contacted XXXX, my XXXX company and asked for a explanation. I was told that they did not have any problems on their end. So I contacted the bank and let them know what was going on. The bank told me that my check would be released the next business day. However, I came to find out that wells Fargo has placed an extended hold on my check so that it does n't get released until XXXX XXXX. This is ridiculous and then the bank told me that it was nothing I could do and I could not get the check back and that I would have to ride it out. I told them that it was an emergency and that I would n't have done it if I could wait until the XXXX. However they told me that I could n't do anything about it. I spoke with a supervisor who basically laughed and said " We have had problems with this company before, so you will have to wait ''. This is not a normal bank practice and I am angry. I do n't believe that this is a normal business practice. I have had bank accounts with several other banks where the customer is not lied to like this. My check was not returned. I received the cashed information from XXXX, where the check was cashed XXXX/XXXX/16 and paid.
Consumer complaint received 2015-03-31
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (AE)

Actually NOT used obscene language but used pressure tactics, are unwilling to help/ resolve issue and also seemingly improper management of debts and PII - pers identity info ( SSN, addresses et c ). 
We incurred debts when I was XXXX with US military in XX/XX/XXXX, was XXXX discharged and did n't received any pay until XX/XX/XXXX. So we incurred debts, house was improperly foreclosed ( XXXX got us WHOLE 500 $! ). We settled/ paid off most debts, except for XXXX XXXX XXXX, where XXXX transferred some funds owed on mortgage ( foreclosed ) to CC which is n't legal. Then debt was almost settled with XXXX, but when requested documentation it was quickly transferred to Midland Credit Management, under MCM acct # XXXX. Midland FAILED to prove debt ( and it 's height ), FAILED to communicate to resolve ( I sent email requesting documents/ investigation into XXXX improper behavior ). Since then dealing with MCM DISASTER:XXXX/ MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX , CA XXXX is n't really attempting to collect, settle or communicate - when calling ANY of their XXXX numbers ( such as XXXX or XXXX ) XXXX gets through, then message says it is recorded and when asking about use of non-recorded line is put on hold and then told " unrecorded line is n't available, call in XXXX hours '' -- that is usually XXXX min into " transfers/ holds ... '' All reps giving " odd names '' such as XXXX diff person stated to be XXXX XXXX ( all from XXXX XXXX call center ! ), or XXXX XXXX or XXXX XXXX, these are from XXXX. That also bring issue XXXX/ PII, addresses, DOB and all info passed from US to XXXX XXXX who can effectively stole identity w/o any control/ oversight by US government/ agencies. 
I think that is ABSOLUTE disaster. 
On top, seems like Midland Credit Management is just RENOWN for this behavior w/o any action from our Government. Sincerely XXXX XXXXXXXXXXXX
Consumer complaint received 2015-07-31
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (CA)

The original debtor XXXX, XXXX. in regards to ( XXXX CREDIT CARD ) # XXXX has notified me with a cancellation of debt letter form XXXX that pertains to THIS SAME DEBT with XXXX different collection amounts. Below are the collection amounts with XXXX different collection agencies that show still show on XXXX credit report that need to be REMOVED ASAP since I paid the cancellation of debt tax already with the XXXX form which I am submitting in PDF FORM in this email today.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

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. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXT Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 2015-09-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (MD)

XXXX, which i am a curent customer in good standing had a billinng glitch when we moved to our new house 4 years ago. 

we eventually paid it but ever so often it pops up that we are delinquent.
Consumer complaint received 2021-09-01
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: Bread Financial Holdings, Inc. (NC)

In the month of XXXX i paid the card off early and to a XXXX balance. I was charged a late fee but i paid it anyway because I didnt care about the fee even though it was paid early. Mow its showing a XXXX day late on my report which is hindering me from getting a mortage. I have obtained legal counsel to fight this violation of my fair credit reporting act, slander, and debt collection practice violation
Consumer complaint received 2015-05-08
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AK)

Every few months or so, my credit card is compromised, and I am forced to change cards, and all my auto payments that are made using it, need to be changed with all companies that I do business with. If that is n't bad enough, I can not find out who / what company it is being compromised by ... so I can opt to pay cash at that company in the future. This is a waste of my time and energy - having to change everything all the time. I deserve to know what is going on with my card if I call and ask.
Consumer complaint received 2021-05-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (MO)

Company : XXXX Date : XX/XX/2018 All my XXXX tokens were stolen by XXXX. I have screenshots from my account transaction history of my tokens being transferred to XXXX. The tokens were not transferred to a wallet. This transaction was not authorized by me. I purchased these tokens on XXXX exchange and then it was randomly taken by XXXX. Ive filed multiple cases with XXXX with no response on their end. I ask for updates and just get generic responses saying they are looking into the issue and then nothing further happens. 

Amount : a little over XXXX XXXX tokens
Consumer complaint received 2016-08-11
Product: Credit card — 
Issue: Delinquent account — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

I had a credit card through USAA, it was an XXXX XXXX card. I have always paid the credit on time and usually pay more than the minimum balance, so they have a minimum payment of {$00.00} due each month. XX/XX/2016 they put a minimum payment due of {$15.00}, of which I was not aware of because I have not had a minimum payment due in over a year and beyond. On XXXX XXXX, I got a phone call from a USAA collection agent requesting me to pay the over due balance. I paid the balance in full and requested them to reverse the 60 day late payment on my credit report. They refused to reverse the derogatory item from my credit report. I have not had a minimum payment due on this credit card for a very long time, so, I never thought they would install a {$15.00} minimum due. Therefore, I do n't feel this is a fair way to treat a consumer who has always paid this credit card on time. I want to file a complaint on how USAA 's no minimum payment due for many months / years and to instill a minimum due without alerting the consumer is not fair treatment. This {$15.00} minimum due that is 60 days late will now greatly impact my credit score, again which is not fair to me the consumer.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

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.

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 2022-02-04
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX  / XXXX / {$9300.00} XXXX  XXXX XXXX / {$0.00} 15 U.S. Code 1666 - Correction of billing errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Consumer complaint received 2021-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I got a new job offer XX/XX/XXXX and was told after my background check that unfortunately I did not pass the background check because of information on my XXXX report. 

I requested the report on XX/XX/XXXX and found that Bank of America reported that my bank account was closed for " suspected fraud activity. See below for the details of the report. 

I wrote a dispute letter to XXXX on XX/XX/XXXX and I got a response on XX/XX/XXXX from XXXX that the information had been verified accurate by Financial institution. They did not provide any details on the fraud that was perpetrated and all calls to Bank of America was met with numerous call transfers and them telling me that they can restrict or close your account at any time, for any reason or no reason. 

This information has prevented me from starting my new job and has cost me lost wages. I need help to fight this erroneous information on my report. 

Account Closed by Bank Source of Information : BANK OF AMERICA ; XXXX XXXX XXXX, XXXX, FL XXXX Reported For : SUSPECTED FRAUD ACTIVITY ; ANY AMOUNTS OWED HAVE BEEN PAID ; Reported Name : XXXX XXXX Date of Closure : XX/XX/XXXX Closure Status : SETTLED IN FULL Closure Status Date : XX/XX/XXXX
Consumer complaint received 2015-07-15
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (NY)

XXXX XXXX Financing the ones that financed the vehicle for XXXX auto at XXXX XXXX XXXX NY. The complains is the vehicle was over priced, also documention is showing different salary income. I realized the payment of {$660.00}. Monthly for a 2013 XXXX not fully loaded. Is too high. After speaking to the dealer, I was told to bring back in 6 months they did nothing, I spoke to the Financers CCF they ask for my income verification, I fax twice to them which proved I am paying beyond the income guidelines. They too only have empty promises. Eventually they did nothing and this is wrecking my credit because I am not able to properly make payments. Need urgent help. I can be reached at XXXXXXXXXXXX
Consumer complaint received 2021-04-29
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I filed a dispute with Capital One Bank ( USA ) Na over 30 days ago and they have yet to respond to my Affidavit Of Truth, which was sent to them via certified mail. Which they received on XX/XX/21 and they have failed to answer. I informed Capital One Bank ( USA ) Na that I am disputing their claim. Moreover I requested that Capital One Bank ( USA ) Na supply me with copy of the contract with my authentic signature and their authentic signature which makes the contract legal. Capital One Bank ( USA ) Na never provided a copy of contract with my authentic signature or their authentic signature and continue to report this account to the credit reporting agency. This account should have been deleted off the CRA files. Further more the fair credit reporting act regulates how creditors handle consumers dispute. The statue states that when a consumer disputes any item the creditor should conduct a reasonable investigation within 30 days to determine if the challenge item is correct. After 30 days have expired if creditor have not completed the investigation the disputed item must be deleted. Finally Capital One Bank ( USA ) Na failed to report the dispute to the CRA which is a violation of the FCRA section 623 and carries a fine.
Consumer complaint received 2017-02-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (LA)

I am at an income based forgiveness of $ XXXXmonth but just noticed the loan company, Navient, is still adding money to my account after I was told my account would stay frozen until after I started making payments again!
Consumer complaint received 2022-08-15
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: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2015-03-26
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

Bank of America received full payment of our credit card balance of {$1100.00} on XXXX/XXXX/15. To date, XXXX/XXXX/15 our account has not been credited. I have had at least 12 conversations with Bank of America. Originally B of A denied having the money even B of A confirmation number. I also have the electronic transaction information. Finally on XXXX/XXXX/15 B of A located the money and initiated a transfer to the correct account. Each time I call I receive a different date on when the account might be credited. Now B of A has billed again for the amount that was paid almost a month ago and apparently reported non-payment to the credit bureaus.
Consumer complaint received 2015-06-10
Product: Credit card — 
Issue: Late fee — 
Company: Continental Finance Company, LLC (CA)

good evening, First on XX/XX/2015 i applied and was approved for the Verve credit card throughContinental Finance.After activation " the rep said we have charged your account XXXX '' stunned i " said why so much?? this rude women said very fast XXXX monthly maintance fee,XXXX if i call to make payment over the phone, and i now have to pay XXXX up front " i said no i 'm gon na wait till my due date '' .Which brings me forward to XX/XX/2015, I madeXXXXXXXX online payment to them, well i was not aware you could not use a debit card .... 
so they waited uXXXXtil XXXX XXXX XXXX " said you went in and deleted your debit card on line and put in your checking account number right? " I said yes because your site did not mention this.. very rudely the gettleman said that because i now paid 2 days early and changed the amount from XXXX to XXXX mind you the amount is only XXXX well i have to send XXXX XXXX or money gram of return fee of XXXX on top of the XXXX to make up for the XXXX that never even cleared bank of america.Meanwhile the revolked my account and reported me to credit bureau for XXXX and being late.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

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. 
has violated my Consumer rights : Account name : XXXXXXXX XXXX XXXX Bankruptcy : # XXXX, Account name : XXXX XXXX XXXX XXXX  : # XXXX Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX : # XXXX, Account name : XXXX : # XXXX, Account name : XXXX : XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX  : # XXXX, Account name : XXXX  : # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, 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 2016-03-02
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: MRS BPO, LLC (OH)

TALKED, FRAUDULANTLY POSTED TO CREDIT REPORT, WOULD NOT RESPOND, MADE SEVERAL SCARY PHONE CALLS TO ME AND MY DAUGHTER, THREATENED TO PHYSICALLY HARM ME.
Consumer complaint received 2016-02-06
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LD Holdings Group, LLC (OR)

I refinanced my home with XXXX XXXX. I was charged XXXX % ( XXXX Point ) to reduce my rate. This should appear om my year end mortgage interest statement XXXX. I have called Loan Depot multiple times to try and resolve this waiting on hold for hours ( cumulatively ). They refuse to correct this error. They keep giving me the excuse this was paid to my " title Insurance company ''. This is a lie. I just want a corrected XXXX that reflects the points I paid.