davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I already summit a complain because i paid off my credit card with Bank of America, some one contacted me and told me that i have to paid now the interest rate for XXXX moth i did when on the app show to me other amount and i paid on XXXX, i want a certification from Bank of America that said that i paid off my credit card and no more extra charges, also i want to report that to XXXX and XXXX Credit Card Number XXXX
Consumer complaint received 2024-02-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I am writing to file a formal complaint regarding a collection charge off account associated with my XXXX XXXX XXXX and account number ending in XXXX which I believe violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 ( 2 ) ( a ) ( i ). It has come to my attention that Capital One has failed to adhere to legal obligations concerning the treatment of charged off accounts and the provision of necessary tax documentation. Under the FCRA, a charge off is considered income for the consumer and is subject to specific regulations, including the issuance of a Form 1099-C to the consumer for tax purposes. Despite the charge off of my account, I have not received any Form 1099-C from Capital One, as required by law. This failure to provide necessary tax documentation is a direct violation of my rights under federal law. Furthermore, the absence of proper documentation regarding the charge off account raises concerns about the accuracy and completeness of Capital One 's reporting to credit bureaus. As a consumer, I have the right to accurate and fair reporting of my credit information, and the failure to provide essential documentation undermines this right. I made a payment certified mailed to Capital One on XX/XX/XXXX with my Restrictive Endorsement
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OR)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction
Consumer complaint received 2022-06-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction
Consumer complaint received 2021-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (IL)

There is inaccurate information on my credit report. I have contacted the company on various occasions about the accounts in question, and the company has failed to respond within liable time ( 30-45 days ). Also, the company has not provided the original contract and information on validating this information.

I am requesting that the account be removed and deleted from my credit report immediately. I have sent letters to all 3 credit bureaus and validation letters on the following days. XXXX XXXX 2021. The letters has been sent to XXXX XXXX and XXXX. To date no documentation has been provided. The company has failed to comply with the request for validation. By Law they have to remove these items.
Consumer complaint received 2022-06-16
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc. (TX)

I was sent a check in the mail around XXXX time from Tower Loan. I believe I was targeted due to my credit and low income status. Out of desperation and wanting to buy nice things for my family, I deposited the check into my account. They then called and told me that I was approved for a higher amount so I went into the store to receive the extra money. Fast forward a few months and the payment amounts have ballooned to astronomical amount and I am unable to keep up with the payments. They are constantly harassing me with phone calls, text messages, and even showing up at my house and threatening to sue me. They call more than 10 times a day and never leave voicemails. I tried to negotiate a different payment plan to help get caught up with the payments but they are unwilling to help. I currently work with XXXX XXXX XXXX and XXXX XXXX XXXX XXXX but Tower Loan doesn't work with any other companies and are unwilling to help consumers at all. I believe they have predatory and unfair practices that are really hurting people by targeting those who are in desperate need and then become unwilling to help them out. They need to be investigated as a company and shut down. Not only that but the online payment portal is inaccurate and doesn't show the full amount that needs to be paid off, creating more deceit about the interest and loan.
Consumer complaint received 2023-05-08
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: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting act.The lists of accounts below have violated my federally protected consumer rights to privacy and confidentiality under law 15 USC 1681. 

XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may take 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 any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-02-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC (GA)

XXXX XXXX XXXX XXXX XXXX is the servicer of my student loan XXXX. I am XXXX. In XX/XX/XXXX there was a judgement placed on my home without my knowledge.I know there is a case going on now in court. I want to know what is the status on this case because I need the judgement removed from the court records. I need my home refinanced at a lower interest rate because i am on a fixed income. Thank you very much,
Consumer complaint received 2021-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Avant Holding Company, Inc. (NJ)

I open the account and never receive the card. The company open the account whitout verify my identity and allowed the criminal use the card. I alert them that I didt receive the card and try open a dispute, they have same person on the costumer service that never help or guide a solution. I report them after they send the statement and its been already 2 months and nothing been done. Besides hurt my credit now they are charging me late fees
Consumer complaint received 2022-06-16
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: Experian Information Solutions Inc. (FL)

I WAS VICTIM OF IDENTITY THEFT, I HAD AN ACCIDENT, SOMEONE ROB MY CAR AND STOLE WALLET, IN MY WALLET I HAD A LOT OF PERSONAL INFORMATION, SINCE THEN I START GETTING DIFFERENT ACCOUNTS, WHICH ARE NOT MINE. I RECEIVED COPY OF CRDIT REPORT, AND I GOT ACCOUNT WHICH I HAVE NEVER APPLIED FOR.
Consumer complaint received 2021-02-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (LA)

Product was ordered and total amount was charged in the amount {$100.00} my credit card was charged twice for the same item which in total was {$79.00} on XX/XX/20. The said vendor paid made good on the two items in which they were both returned to them. The credit card company representative whom I spoke with on the telephone was informed to closed the account in which there is no balance that is owed by myself. The credit card company calls everyday after informing them to close the account and I have no balance owed to them.
Consumer complaint received 2024-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Dear Sirs, I am writing to you as a customer affected by the recent closure of my bank account and the return of funds made by Capital One Bank. 

On XX/XX/2024, I made a transaction through the XXXX platform with XXXX XXXX XXXX XXXX, a platform merchant specialized in the purchase and sale of cryptocurrencies, in which I sold XXXX XXXX using the person-to-person exchange method. ( XXXX ) provided by said platform. XXXX XXXX subsequently proceeded to send me the agreed funds through the XXXX service in different parts, detailed as follows : {$1000.00} USD in the name of XXXX XXXX {$1900.00} USD payable to XXXX XXXX {$980.00} USD in the name of XXXX XXXX {$890.00} USD payable to XXXX XXXX Once the funds were received, I proceeded to release the cryptocurrency funds corresponding to the transaction through the XXXX platform. 

However, on XX/XX/2024, I received an email from Capital One Bank informing me that my bank account had been frozen. Despite my multiple attempts to contact your institution by telephone, I did not receive a satisfactory response. Furthermore, I would like to point out that I will not be given the opportunity to defend myself or provide relevant evidence before they proceed to close my account and return the funds to XXXX XXXX XXXX XXXX. 

Finally, on XX/XX/2024, Capital One Bank proceeded to return part of the funds received to XXXX XXXX, specifically {$1900.00} USD to XXXX XXXX and {$890.00} USD also to XXXX XXXX. 

It is important to note that I have been unfairly accused of fraud by Capital One Bank, despite being the affected party in this transaction. Not only could this situation have negative consequences on my credit history, but it also means the loss of considerable funds for me. 

It is alarming that, despite my efforts to contact Capital One Bank to resolve this matter fairly and equitably, I have been denied the opportunity to appeal the decision made by your institution. 

In light of the above, I demand that a thorough review of this case be conducted and that the relevant funds be returned to my bank account. I also requested a formal apology for the inconvenience caused and a public clarification of the situation to avoid further damage to my reputation. 

If I do not receive a satisfactory response within a reasonable time, I reserve the right to take additional legal action to protect my rights and interests. 

I look forward to your next response and cooperation in resolving this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-06-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Westlake Services, LLC (CO)

On XX/XX/2022 I called Westlake Financial Services to change my payment date. On XX/XX/2022 a charge for {$480.00} was taken from my bank account with a {$5.00} transaction fee. I called Westlake Financial On XX/XX/2022 and they had no idea what I was talking about. I called everyday and finally was told it was taken from my bank account and applied to someone else 's account. I've been calling and waiting to get my money back. In the mean time I paid off my loan with them and am also suppose to be getting a {$1400.00} refund. The {$1400.00} refund was processed on XX/XX/2022. I was told to wait 7 to 10 business days to receive that refund. I waited and still nothing. They still have the total of {$1800.00} of my money. They keep telling me to wait, but how hard is it to get a customer their money back. I've since found out they have a one star rating on the XXXX  website and have done similar shady or fraudulent things to other customers. How are they still legally able to do business with people 's money? One complaint the company has that I was able to get was that they setup a fake loan with someone's identity. That person didn't even have a loan through them but yet there was an account in her name. What does it take to get an investigation into this compay?
Consumer complaint received 2021-02-25
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Location Services Holdings, LLC (TX)

On XX/XX/XXXX, we started a loan process with Auto Approve. After speaking/texting with an agent for a few days, we agreed to an offer he made us. 

On the phone, he mentioned how our credit scores and income were very good and we should not have any issues getting a final approval. 

It all changed when he requested a copy of our IDs and my girlfriend 's ID showed " Limited Term ''. He asked about her immigration status. When we advised that she is a XXXX person, he immediately said we did not qualify. 

We have not been sent an Adverse Action Notice. We do have the screenshots of the text messages that support my comments. 

We felt very discriminated against since the decision was made solely and clearly based on her nationality.
Consumer complaint received 2023-05-07
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: EQUIFAX, INC. (IA)

I have already submitted a complaint with both EQUIFAX and XXXX stating that my XXXX XXXX XXXX XXXX Account # XXXX which was an Auto Loan that I had paid off in full and closed was reporting incorrectly. XXXX states that I was 30 days late on XXXX or XX/XX/2019 and EQUIFAX shows I was 30 days late on XXXX or XX/XX/2019 and XXXX is reporting CORRECTLY & shows NO late payments. So both XXXX & XXXX are stating false information twice, one that it was 30 days late, and two they are both showing a different month or time in which they are reporting it being late. They have also now violated my rights under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors by not doing a fair and accurate investigation to show accurate reporting and have this false information removed.
Consumer complaint received 2022-06-16
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. (MS)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help
Consumer complaint received 2024-02-22
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Financial Freedom Group, LLC (TN)

The company 's name is Debt Blue. I discontinued with their services, because I could not afford to continue. it was time for my monthly submission, I decided to disconnect, because I learned that one of my accounts had not been paid, despite me having a balance in my account with them, and my credit score kept decreasing. I requested my account to be closed, and I was sent a form to complete for reimbursement. 
Now I received information that I had no balance. I did have a balance.
Consumer complaint received 2022-06-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX XXXX  account # XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2017-02-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc. (MN)

I attended the University Of XXXX at the time of registration i advised the enrollment department that i did not have my XXXX or XXXX i was told that it would be fine, all to find out that none of the credits that i obtained are even valid because you can not get financial aid without being tested and or having a XXXX or XXXX once i found of about this i withdrew from the university of XXXX the school then sent the funds back to the government and placed my account in collections i have not been able to get this resolved and it has been almost XXXX years. The university of XXXX has a XXXX for not applying funds from the government to accounts instead sending students to collections. I would like to have my loan removed from my credit report
Consumer complaint received 2016-05-20
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO. (TN)

I received paperwork in the mail in an envelope marked as Chase bank about two months ago. It included a XXXX and an XXXX form. These forms were accompanied by a letter claiming that I needed to fill these out and return them to Chase Bank or my credit card account could potentially be closed. This all seemed very scammy to me so I called Chase to Verify. Long story short, I spent over an hour on the phone with about XXXX different people from Chase Bank. The first XXXX told me these documents were not sent by the Bank and that I should not fill them out and that my account was n't notated in any way that forms were required. The last person I spoke with said he recognized the forms and that they send them out for information verification but that my account was n't notated to need the forms. I was reassured by this person several times that my account would n't be closed and there was nothing further I needed to do. The organization and confusion level of this company astounds me. No one could verify that these forms were legitimately sent to me. Now here I am, two months later, with a closed account. I was never notified of the account closure. I used the card a week ago and noticed it was closed when I went to pay it yesterday. I did n't receive an email or any form of notification for that matter. When I called Chase to complain, I did n't even receive an apology. The person I spoke with informed that I received bad information from those that I spoke with at Chase and that my account was closed due to failure to send in the above mentioned forms. He also informed that the only way to get my account reopened was to mail them this information and continue to call and check on my account. He stated that they would n't be calling me and that I would personally have to push the issue. This whole situation is laughable and I would never have fathomed that JP Morgan Chase would have such pitiful customer service. I have never paid late on my account and have been a loyal customer for years. They should treat their customers better.