davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

ATTENTION TO XXXX XXXX XXXX. I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$2100.00} does not belong to me. This account was fraudulently opened through this company XXXX XXXX XXXX in XX/XX/2019 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire this account. I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.
Consumer complaint received 2015-09-09
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc (MI)

I had an item that I wanted to sell and I used the services that ebay provided. Ebay directed me to set up an account with Paypal so that I would be able to receive payment when the item sold. I accessed Paypal through the ebay page and began to register my bank accounting and personal information. While going through the application process they asked me to verify the small deposit ( s ) that was credited to my bank account as a way of verifying my identity. Paypal also sent me an email stating that they needed to verify my email address as well. 
In checking my email I noticed several e-mails from Paypal. One of which was an application saying that I was denied credit from Paypal. I immediately said " what? '' outloud because I was n't applying for credit but entered in personal/ banking information so that I would be able to receive payments if I sold the item on ebay. I did n't knowingly or intentionally, for that matter, want a credit account with Paypal. In fact I was not even aware Paypal offered credit lines.
Consumer complaint received 2016-05-31
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: SLM CORPORATION (WI)

I recently had a baby and since then have been struggling to pay one of my Sallie Mae student loans that has an interest rate of 9.5 %. I have repeatedly tried to call and speak with a collection representative to lower my interest rate and possibly my montly payment. Up until this point I have made my student loan payments and on time. I simply can not choose between childcare and supporting my family or paying student loans. Sallie Mae has refused to work with me other than offering forebearence which I plan to use in the future when we have another child.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upgrade, Inc. (NM)

I was offered to be part of a hardship program as long as I continued to make the negotiated payments on time and they told me they would not report any delinquent payments as long as I continued to make the monthly payments I have proof from their own site that every payment had been paid as agreed and therefore there should have never been payments reported as past due this hurt my credit over XXXX points and has ruined a loan for me I sent them multiple XXXX mails requesting them to remove the inaccurate data they put on my credit report and they declined to do so XX/XX/24 XX/XX/24 multiple dates I gave all correspondence
Consumer complaint received 2022-12-19
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: Aldous & Associates, PLLC (FL)

- FAILURE TO PROVE OWNERSHIP - FAILURE TO LEGALLY VERIFY - WILLFUL NEGLIGENCE I have contacted this company on XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, & XX/XX/XXXX. 

They have failed to delete information on my credit report resulting in reputable damages from identity theft, which was proven by myself in accordance to the law. 

This company has failed on multiple occasions in the past XXXX XXXX to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.
Consumer complaint received 2015-10-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: Financial Data Systems (NC)

On XXXX XXXX, 2015 I mailed a certified letter to Financial Data Systems requesting a cease of communication notice. The return receipt was signed on XXXX/XXXX/15 by a XXXX XXXX XXXX. I received multiple calls after the letter was signed for. 
I also explained to the credit agency that I have not missed a payment, nor was I late EVER with a payment to their client. When I reported that to them, they claim their client is proceeding with collections even though I 'm not in default in any way to our existing payment agreement. 
And there were fees in the amount of {$370.00} additional added to the balance of {$1500.00} I owe their client. They can not justify the additional charges.
Consumer complaint received 2021-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CO)

i reached out to you and you refused to removed my old address from my consumer credit report which goes against 15 USC 1681 as it clearly the states the important of maximum possible accuracy ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 




You are reporting wrong personal information on my consumer credit report such as my address I ONLY HAVE 1 address which is my current address.listed on my Consumer Credit Report ALL OLD ADDRESS SHOULD BE REMOVED.
Consumer complaint received 2017-01-05
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: Consumer Financial Services (IL)

I had a payment arrangement set up with CFS for a loan I cosigned on ( due to my limited budget ) and they have violated that arrangement multiple times and have taken payments without my approval multiple times. They have harrassed me at work regarding payments even though i have stated they can not do so and by doing so they are violating the law and harassing me. I have tried to speak with the manager multiple times and i can never catch him while at work. Today I called because, yet again, they have taken a payment out of my bank account and spoke to the " new manager '' XXXX. She was absolutely rude and would not let me finish any sentences. I explained that they needed to stop taking payments that are not approved and she said they were not going to do anything until my balance was brought up to date. I tried to explain that i am paying all that i can currently and can not pay any more than I am. She stated that they were NOT going to stop. She was completely nasty, unprofessional and offensive. I have also never received a receipt from the payments i have made and have requested. Each time i have requested receipts they explain they can not give me any receipts even though they are payments from me because they need the contract owners approval.
Consumer complaint received 2015-08-01
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO. (CA)

I opened an account with Chase on XX/XX/XXXX. It was closed on XX/XX/XXXX, but I was never notified. Nearly 10 years of my credit history disappeared from my account, which is negatively impacted my credit score. If I had been notified of the potential closure, I would have used the account a few times, just to keep it open.
Consumer complaint received 2017-03-20
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: JPMORGAN CHASE & CO. (MI)

Chase auto financing has written off my auto loan which is negatively effecting my family and I from obtaining a home loan because this is on my credit report! The car is with chase and is being sold so for them to put it on my credit report as a charge off is fraud and completely unjust! The car had been stolen since purchase and was just found on XXXX 2017 at a dealership in XXXX Michigan
Consumer complaint received 2022-07-20
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. (TX)

15 usc 1666d treatment of credit balance consumer refund demanded. XXXX. Loan from attorney general XXXX XXXX n crew. 18.usc 8 delete immediately
Consumer complaint received 2022-02-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

On XX/XX/2022 I deposited a check at Capital One XXXX Bank. The bank did not state the check was invalid. The bank stated the funds will be available on XX/XX/2022. The funds were available on the XXXX. I began to withdraw using my debit card. And, on XX/XX/2022. The bank reversed the funds of the check deposit. Stating the check was invalid. Taking all of my account money plus an overdraft. The total {$2000.00}. I'm currently a part-time employee and on XXXX. The bank aided the swindle. I found out I was the victim of an employment scam. Transferring funds to a vendor for home office equipment and software. Is the way the new employment was described before paid training. I ended up being a money mule for the XXXX XXXX. Utilizing funds from an invalid check sent to my home via XXXX. I called Capital One on the XXXX to make sure the funds were available. They said yes. But, now after the funds were used. They claim the funds used via debit card are my responsibility. Capital One claimed all my XXXX. And left me with an overdraft to pay. I called on the XXXX and explained the fraud. And there error according to regulation e. They did not even give me a claim number. And stated on the phone that I was all enthralled in the scam. It was not for XXXX weeks later I called and received a nicer representative that I was emailed a claim number. By this time since there is an overdraft I was informed there was an investigation. So I had to ask for the case number. And I sent all the information I had about the scam. To this day I have not heard back from the investigator. And the same employment ad has been accessible on Facebook. Capital One still takes no responsibility for their banking error.
Consumer complaint received 2015-09-01
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: SYNCHRONY FINANCIAL (TX)

I went to XXXX in XXXX TX, in XXXX XXXX 2015 ; and apply for credit to buy furniture there, I qualify for {$6500.00} I spend {$2100.00} for a sofa and love sit and XXXX for insurance for that furniture, I also ordered a chair that I dont received yet. In XXXX XXXX I receive the card with the statement that show that I owe XXXX in the credit card the furniture get my full credit not the amount that I spend there.
Consumer complaint received 2024-01-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I urge you to review the attached documents. I request the bureau to commence an investigation into these accounts, as I have never been late with payments, yet they are inaccurately reported as such.
Consumer complaint received 2022-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NJ)

I called Equifax a little while ago to get it to release a freeze on my credit report. I have been denied service by XXXX XXXX because it can not get a copy of my credit report from Equifax. I called Equifaxs number XXXX and could not reach an agent ; instead I was subjected to lengthy, time-wasting, irrelevant, pre-recorded messages numerous times, and, despite me hitting XXXX  several times, I could not get a representative. After calling several times and hitting XXXX when prompted to get an agent, I was disconnected.
Consumer complaint received 2020-10-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

At the beginning of XXXX, I found out that all my accounts in Bank of America are closed : 1. Checking account 2. Credit card account 3. Business checking account In my profile, there is the note - not to open new accounts for me 1. I never had any debts in the bank 2.  Never made any suspicious operations That created a huge problem because there was no notification about this and I can't pay the salary to my employees because I can't get access to the funds and no one knows when I get my money But the worst! Why? Why my accounts were closed? What was that problem that accused and that can't be solved with the bank we really liked as the family and as the business?
Consumer complaint received 2020-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Home Loan Center, Inc. (CA)

I was charged hidden fees from this company Lending Tree XXXX XXXX XXXX XXXX they refused to close my account due to their own wrong business that never opened my request with a processing request that takes over three weeks, I am requesting to ask who owns XXXX XXXX XXXX?
Consumer complaint received 2022-08-08
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. (GA)

I have recently reviewed my credit report and noticed some unauthorized accounts and inquiries. When I called, I was told I had 3 files and they needed to be merged. I did not consent to that, XXXX the rep did it anyway. Once she did that I started receiving updates of hard inquiries that Ive never seen before and accounts. Pursuant to 15 usc 1681a ( 4 ), they did not exercise grave responsibility on my behalf. They were unfair. I never consented or instructed them to furnish this report in the first place. I am demanding that these items be removed asap. They gave violated me under the FDCPA
Consumer complaint received 2015-04-24
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CAVALRY INVESTMENTS, LLC (FL)

I was called by someone at XXXX who claims I still owe money for a XXXX account that was paid over 6 years ago. The man I spoke with was forceful and threatening that his client might sue. It was shady at best.
Consumer complaint received 2016-04-13
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Bank of America violated the Federal Debt Collection Act by continuing to attempt to collect a debt on a Home Equity Line of Credit after it had been discharged in Chapter XXXX Bankruptcy. Bank of America also violated the Fair Credit Reporting Act by reporting the debt incorrectly to the Credit Bureaus and the IRS. The debt was discharged in bankruptcy on XXXX XXXX, XXXX, and Bank of America is reporting a charge-off dated XXXX/XXXX/XXXX via XXXX for {$71000.00}.
Consumer complaint received 2022-02-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp. (AZ)

TrueAccord sent mail I received on XX/XX/2022 regarding a fraudulent account in my name. XXXX XXXX XXXX said on XX/XX/2022 a few days earlier states that they own the debt, and TrueAccord hints at them owning the debt. Reference # XXXX, account # ending in XXXX. 
I want to know who actually owns the debt, and if TrueAccord owns the debt, I request a full validation. If not, I want them to cease all inquiries. TrueAccord stated that by XX/XX/2022 that this debt will go into collections. So who owns the debt? If XXXX XXXX XXXX owns this debt, I also need to know. 

I have been lied to and threatened so many times by this issue Im not sure. This debt has been sold and moved too many times to tell whos telling the truth. 
Both inquires are attached for reference.
Consumer complaint received 2015-05-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

Sold my home via short sale on XXXX/XXXX/15. Mortgage servicer received and acknowledged payment on same date. Mortgage servicer did not post payment and show account as paid in full until XXXX XXXX, 2015. This action causes undue and unnecessary tax consequences to me. XXXX was sent and acknowledged and the request to correct was denied ( see attachment ) Mortgage company 's request for HAFA and HUD-1 was unnecessarily duplicative and presented only to delay the closure of the loan. Please correct the day of the paid in full date to reflect XXXX XXXX, 2015.
Consumer complaint received 2024-04-29
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital one denied my previous credit application due to discrimination of income. 
Unlawfully discredited from the access of full credit backed by State of Florida economic benefits due to discrimination of income. 
15 USC 1681g ( g ) is a section of the Fair Credit Reporting Act ( FCRA ) that defines the term " file '' in connection with information on any consumer. It means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored1. Every consumer reporting agency shall, upon request, and subject to section 1681h ( a ) ( 1 ) of this title, clearly and accurately disclose to the consumer all information in the consumers file at the time of the request, except that2.

12 U.S. Code 412 - Application for notes ; collateral required Denial of equity under the application of federal reserve act section 16 part Application for notes by Federal Reserve banks Any Federal Reserve bank may make application to the local Federal Reserve agent for such amount of the Federal Reserve notes hereinbefore provided for as it may require. Such application shall be accompanied with a tender to the local Federal Reserve agent of collateral in amount equal to the sum of the Federal Reserve notes thus applied for and issued pursuant to such application. The collateral security thus offered shall be notes, drafts, bills of exchange, or acceptances acquired under section 10A, 10B, 13, or 13A of this Act, or bills of exchange endorsed by a member bank of any Federal Reserve district and purchased under the provisions of section 14 of this Act, or bankers ' acceptances purchased under the provisions of said section 14, or gold certificates, or Special Drawing Right certificates, or any obligations which are direct obligations of, or are fully guaranteed as to principal and interest by, the United States or any agency thereof, or assets that Federal Reserve banks may purchase or hold under section 14 of this Act or any other asset of a Federal reserve bank. In no event shall such collateral security be less than the amount of Federal Reserve notes applied for.

Capital One is in a repeated pattern of offenses of denial credit XXXX fee per occurrence 16 cfr & 433.2 preservation of consumers claims and defenses unfair or deceptive acts or practices.

ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

original complaint was closed without resolution. 
discriminating against income is discriminating against family status and all forms negotiable instruments of tender to satisfy debt.