davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (RI)

I have received harassing phone calls from collectors 2-3x a WEEK regarding this debt.I have about 32 different phone XXXX phone numbers blocked within my phone.Last XXXX I received a very harassing and abusive phone call from a male collector regarding this account and I did give my time to him as well as explain I had XXXX XXXX and from XXXX to present underwent XXXX and had many complications with XXXX  XXXX as well.Since I was XXXX XXXX, I could not receive any benefits from state or federal help.I applied for XXXX twice and was denied.Given the lengthy process, I gave up. I am also a single mother who does not receive child support. 
I was not looking for a hand out or free ride I was just trying to explain my situation. 
He said my health conditions and employment status held no prospect of relief from this debt and I need to pay it regardless.He threatened to contact my bank and said he would be sending it to an attorney if I did not pay it within 2 weeks from that date. 
He was rude and threatening.He started asking me to give him my bank information and he could take a payment now to avoid further calls/ interest. 
I was not home, I did not have my banks routing number or even my checkbook. 
I remember exactly where I was during that call, at the beach with my son. 
So when I offered to call within 24 hours to try and come up with a solution he said well good luck with that, this was your final warning and it will be sent to a collection attorney, get a lawyer. 
I was beside myself and consulted with a family member and they told me not to call and wait it out. 
I did.From that time in XXXX of XXXX and present, I have received multiple calls weekly, and up until XXXX, daily. 
I am now receiving letters from an attorney.The first was in XXXX, dated XX/XX/XXXX and most recently yesterday dated,XX/XX/XXXX.Please advise as I want to improve my credit score and pay the debt if necessary.I live in RI. 
I am able to pay some of my debt due to my stimulus check and to stop all these harassing letters/calls. 
Thank you for your time.
Consumer complaint received 2018-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I had autopay set up for my credit card to pay the entire balance on the due date. This had been working fine for the previous due dates. But my last due date, they changed the autopay to just the minimum balance. I saw the payment go through so then I paid the additional remaining billing amount on the same due date, which was a Sunday. Then BofA charged interest on my balance since the payment didn't post until Monday. I reached out to them and they credited my account for the interest, but I want this to go on the record because this probably happens to a lot of customers and they just pay the interest.
Consumer complaint received 2022-04-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION (TX)

I am XXXX XXXX and I am submitting this complaint against BRANCH B & T BRANCH B & t has this INACCURATE account/item on my consumer report/file and I DEMAND for a IMMEDIATE DELETION ( Exhibits provided ). 

All three of these Bureaus have INACCURATELY furnished this MISLEADING AND DECEPTIVE account on my consumer report/file and I did not CONSENT, AUTHORIZE NOR BENEFIT nor gave a written permissible purpose to BRANCH B & T to FURNISH this account/item.

The DATE OPENED is INACCURATE and I DEMAND BRANCH B & T to delete this account/item within 4 BUSINESS DAYS ( Exhibits provided ) The TWO-YEAR PAYMENT HISTORY is INACCURATE and I DEMAND BRANCH B & T to delete this account/item within 4 business days ( Exhibits provided ) The LAST REPORTED is INACCURATE and I DEMAND BRANCH B & T to delete this account/item within 4 business days ( Exhibits provided ) The DATE LAST ACTIVE is INACCURATE and I DEMAND BRANCH B & T to delete this account/item within 4 business days ( Exhibits provided ) The DATE OF LAST PAYMENT is INACCURATE and I DEMAND BRANCH B & T to delete this account/item within 4 business days ( Exhibits provided ) BRANCH B & T duty is PROVIDE 100 % ACCURACY on consumers reports and THE EXHIBITS I PROVIDED SHOWED THEY HAVE FAILED!
Consumer complaint received 2020-10-18
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. (PA)

I have a few inquiries on my credit report that is due to be removed in about 4 months and I would like them removed early. Please remove the following inquiries since they are due to fall off between XX/XX/XXXX and XX/XX/XXXX. A request to remove the following inquiries early : XXXX 's XXXX  ( XX/XX/XXXX ) and ( XX/XX/XXXX ) XXXX  XXXX ( XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX  XXXX ( XX/XX/XXXX ) XXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXX   XX/XX/XXXX )
Consumer complaint received 2020-08-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (NE)

Ive reported that this is fraud and identity theft on multiple occasions sent letters and disputes. Company keeps trying to collect and refuses to clear the debt from my credit bureau and from collection. There is only one capital one card on my report. It closed in 2013 for a {$300.00} limit. The charges made on this account were unauthorized and not made by me!! The credit bureaus arent even taking the FTC or tax fraud reports they arent blocking. I am a victim of identity theft
Consumer complaint received 2020-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am writing regarding Claim # XXXX in the amount of {$3000.00} on my checking account XXXX. When I opened this claim on XX/XX/XXXX, i was advised by Bank of America that my account would be credited within 10 days. I explained to Bank of America that my mother had placed an order for an item that was never received and this business, XXXX New York, subsequently filed for bankruptcy and is now permanently closed. Given these circumstances, I asked Bank of America 's representative to notate my claim accordingly so that the Claims Department would be aware that this business is no longer operative and unlikely to ever respond or cooperate in returning my funds. 

Last week I was informed that I would not receive any credit until at least XX/XX/2020. Bank of America is asking that I wait nearly three months to recover my funds. I have incurred fees and returned checks as a result of this. Please assist in resolving this matter. Thank you
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

My ONLY NAME AND ADDRESS ARE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX MY ONLY JOB IS : XXXX XXXX PLEASE DELETE ALL OTHER ADDRESSES AND JOBS AS THEY DO NOT BELONG TO ME. 

I HAVE ASKED NUMEROUS TIMES TO NO RESOLVE.
Consumer complaint received 2020-04-29
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Advance America, Cash Advance Centers, Inc. (CA)

I made contact with Advance America and left a couple of voicemail messages as nobody answering the phone. 
I respectfully requested for stop payments on the payday loan as my XXXX  XXXX XXXX checking account ending # XXXX has a negative balance of around {$400.00} of excessive overdraft fees. 
I am not able to have any funds on my account because of my financial hardship and going through a difficult time with family Hardships and Coronavirus Pandemic issues.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I reviewed my consumer report and noticed late payments on my account with XXXX XXXX XXXX addition to that, I have also noticed that several of my consumer rights have been violated in the midst of these late payments being added to my credit report. According to the FCRA, as outlined in 15 USC 1681 e ( b ), consumer reporting agencies are responsible for providing maximum accuracy when reporting consumer information, however my consumer report has several inaccuracies that I have below. In addition to that late payments are considered transaction due to the late fees that are associated with credit cards & according to 15 U.S. Code 1681 a 2 ( A ) ( I ) consumer reports should not include information pertaining to any transactions or experiences between the consumer and the originator of the report. If this is the case, late payments that I am not responsible for should definitely not be reported on my consumer report! I am aware of several other consumer rights that have been violated and I am prepared to settle for civil liability damages that I have suffered as a result of your violations. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I ask that any late payments associated with XXXX XXXX XXXX on the dates below be updated to paid as agreed on time and NOT DELETED so the account can remain active. Thank You! Your cooperation in this matter is crucial to ensure the accuracy of my credit report and to safe guard my rights as a consumer under the FCRA. I appreciate your prompt attention to this dispute and look forward to a resolution in a timely manner. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2021-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

the following accounts has been disputed twice with TransUnion, XXXX and XXXX : 1 ) XXXX  XXXX XXXX # XXXX {$7300.00} XX/XX/XXXX 2 ) XXXX XXXX  XXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXX 3 ) XXXX XXXX XXXX XXXX XXXX # XXXX {$1600.00} XX/XX/XXXX I called them several time and they claimed they haven't received the certified letters that was sent out to them with proof attached to them from FTC of a company or person misusing my social security number to open fraudulent accounts and who knows what else. they received the letters and its been over 30 days without no response or changes on my credit report, I would like to let you know that not only they are in violation of 15 usc 1681b ( 2 ) since I never authorize or gave consent to no one including them to report any information on my credit report. 15 usc 1681b ( 2 ) permissible purpose of consumer report, ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

not only that these companies are in default because its been over 30 days with no response from them but they continue to violate my consumer rights and the FCRA
Consumer complaint received 2020-04-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

Today I contacted Rushmore Loan Management Services based out of California. During this call I explained to Rushmore that we have been furloughed and laid off from our positions are requested a forbearance. This was granted however Rushmore is stating the forbearance is only for three months and we would need to pay the entire amount after three months. I explained the CARES ACT and was immediately told FHA are only taking three months at this time. I advised this individual you are not following the law and was immediately told to go to their website rushmorelm.com where they would have some 2 minute and 16 second video explaining the policy.
Consumer complaint received 2020-11-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Union Home Mortgage Corp (TX)

In XX/XX/2020, I received a notice from one of the credit bureaus that I missed a payment on one of my accounts. Upon further investigation, I discovered a forgotten mortgage payment. Once I uncovered this mistake, I promptly submitted a payment. Unfortunately, it was already thirty days late. This is the first and only time I've ever missed a payment. Yet, the incident has had significant ramifications on my livelihood. My credit score dropped by 100 points ove
rnight, which had a profoundly negative impact on my business. I immediately called a customer service representative from Union Home Mortgage and asked them to forgive my error based on my excellent payment history. The representative informed me that she could not find any late payments and that some mistake must have been made, which required further investigation. 
The following month, I disputed the late payment with each major credit bureau, based on my understanding that no late payment was present. In XX/XX/2020, the credit bureaus concluded that the late payment was legitimate and could not be disputed. 
Once I received this information, I contacted Union Home Mortgage to clarify the conflicting conclusions. The representative informed me that if I sent a goodwill letter, they might remove the late payment at their discretion. In XX/XX/2020, I submitted the letter and told them that I took appropriate actions to ensure this would never happen again. 
I sent it to every address listed on the company website to be sure it would be received. After multiple weeks with no response, I decided to fax the letter, hoping for a faster resolution. On XX/XX/2020, Union Home Mortgage informed me that they would not forgive my late payment because forgiving late payments goes against their company policy. 
I have spent the last several months attempting to receive accurate and responsive information from Union Home Mortgage. However, they appear incapable of answering basic questions and giving thoughtful and truthful responses to their customers ' inquiries. I am left with several unanswered questions : ( 1 ) Why would a representative be unable to establish whether a late payment was present on an account?

( 2 ) Why would a representative give advice that runs directly counter to their company 's standard operating procedure?

( 3 ) Why would a mortgage company make late payment forgiveness impossible, no matter the circumstances? ( 4 ) Why should a simple problem, like a late payment, take six months and tens of hours to resolve?
I am shocked by the routine lack of professionalism, candor, and care shown by Union Home Mortgage and their agents. Therefore, I am filing this complaint to receive a modicum of closure and gain answers to what can only be described as a disjointed and confusing mess. Thank you in advance for any efforts given toward a resolution.
Consumer complaint received 2020-06-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc. (PA)

I am a consumer and natural person, I can not owe any debts, I am a non-entity, non obligor, non- debtor. MY personal information is worth whatever amount I say it is worth. Any company that has obtained my personal information without my consent is in violation of my GOD given rights to life, liberty, and the pursuit of happiness. 

XXXX XXXX XXXX XXXX is attempting to collect on a debt that was created through fraudulent misrepresentation on behalf of BUREAUS INVESTMENT GROUP PORTFOLIO NO 15 LLC and XXXX XXXX. Comenity bank furnished a Deceptive credit application pursuant to 15 USC 1692j, that did not give full disclosure pursuant to 15 USC 1631. 

Not only is XXXX XXXX XXXX XXXX attempting to collect a fraudulent debt, they have not obtained the consent of the consumer for communication. They have obtained my personal information for their own benefit with has resulted in my identity being stolen. They are in violation of 15 USC 1692c. 

The practices employed by XXXX XXXX XXXX XXXX and their staff have been an attempt to harass, damage my status with creditors and cause emotional distresses during a global pandemic.
Consumer complaint received 2021-05-22
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

I opened a auto title loan with XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$3500.00} I paid {$390.00} on this loan monthly until XXXX! Paying over {$25000.00} for a {$3500.00} loan. As a XXXX XXXX military spouse we fell on hard times and my car was immediately repossessed after paying for several years. Even after the car was repossessed while my husband was XXXX XXXX we were hounded and harassed by this company to keep paying monthly on this loan even after repossession. It is now XXXX and this is still active on my credit report and does not appear to go away anytime soon. This company and their practices must be reviewed! This is a predatory loan with no way out, it is designed to keep the lender hostage for decades! I am begging CFPB to investigate and shut this company down!
Consumer complaint received 2020-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

In XXXX, while I was out XXXX shopping, Capital One chose to send multiple texts to my phone verifying if I was the person attempting to make a purchase. Even though I verified, with the phone number that they have on record, they have flagged both my Visa and Mastercard accounts for fraud and demanded that I send them a copy of my actual social security card, which for my protection I am not comfortable with especially since I've received notifications from them before that my information previously provided to them has been possibly compromised. Capital One has also blocked my access to log into their app to make payments on my account, which is how I'd always made my previous payments up to that time, all well before the due date. The representative that I spoke to falsely advise me that I could pay by phone through an automated system and I was advised that I would get my statement in the mail which I haven't. However, Capital One does manage to consistently send me notifications that my bill is due through email with links to pay which do not worked because they have me locked out of my account. For the Mastercard account I do receive an email the day before the due date of the account which has a direct payment link, so I have been able to keep the payments up to date for that particular account. Capital One is, however, not sending me the same option to pay for the Visa account. They've also stated that they are sending me a paper statement which is untrue, they are sending statements to my email address. ( please see attachment ) This account has now become grossly past due and is reflecting badly on my credit report. I've contacted the XXXX XXXX XXXX   and Capital One sent a response that I was able to pay by phone. When I called today, XX/XX/20, at XXXX, I was refused service through the automated system by their representative. I've advised them that for identity protection purposes I will also not be providing my bank account information to a person. At this point I don't even want their cards anymore, I just want to be allowed the opportunity to have my credit report corrected and access to make payment online or by phone through the automated system, or, if they truly believe it as a fraudulent account, have them cease reporting it to the credit bureaus as an account that I am responsible for as it has caused a sharp decline in my credit score.
Consumer complaint received 2020-04-29
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)

For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts from my report as soon as possible. They do not belong to me.
Consumer complaint received 2020-04-29
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. (MN)

I was in the process of buying an XXXX  for summer fun. As I was looking for the one I liked, the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualify. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed as soon as possible. I have been a victim of identity theft.
Consumer complaint received 2021-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRUIST FINANCIAL CORPORATION (NC)

I was alerted of hard credit inquiries which I did not authorize and no knowledge of. I was advised by companies to dispute with credit bureaus as they could not remove. Credit Bureau explained FTC filing is needed.
Consumer complaint received 2021-02-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

XXXX XXXX, This complaint is related to complaints opened already XXXX XXXX I have been receiving bill pay cheques sent to companies back directly to my home address. 

I received the check sent from XXXX XXXX. I tried to Stop payment on the cheque sent through wellsfargo bill pay account. 

When I click on stop payment, on following cheques, the action doesnt result in any result. Money is not credited to my account. I dont receive an email acknowledging my request for stop payment. 

XX/XX/21 XXXX, XXXX. {$20.00} XX/XX/21 XXXX XX/XX/21 XXXX, XXXX. {$20.00} XX/XX/21 XXXX EditDelete
Consumer complaint received 2020-07-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (AL)

LVNV Funding LLC is currently trying to collect on a debt that they have not and can not verify as my actual debt they took me to court and then stated that they couldnt verify it and would throw it out and that they would send papers allowing me to sign, i never received the paperwork and the information is still on my credit.