davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FC HoldCo LLC (TX)

On XX/XX/XXXX, I was given an option to pay off the extensive loan that I was trapped into. Flagship Credit Acceptance colluded with XXXX XXXX of XXXX XXXX, TX to defraud me into buying a car that was almost three times the worth. I attached the Settlement offer that Flagship company I came into agreement so that I could be done with this fraud against me. I paid a total of {$1400.00} to end this fraud perpetrated against me due to me not having knowledge of buying a car. They took total advantage of me. I have included the total contract. They electronically signed my name and I was not aware of how much this car was until I received the contract in the mail three weeks after having the car. I did not have a MSRP paper in the window of the car or nor was it produced to me. I was taken advantaged of and want the CPFB to look into this contract also. 
I am complaining that Flagship Credit Acceptance allowed this incorrect and inaccurated information to be projected on my credit report erroneously thereby causing me harm, financial hardship, and credit denial. I tried to get Flagship to accurately reflect that my account was correct, From XX/XX/year> to present reporting of this fradulent reporting, they are still reflecting a negative and erronous amount on my report. I am asking that the CFPB send this complaint to the appropriate entity that will help me with taking the next step so that I can be compensated for Flagship 's blatent false reporting of negative items on my report that caused me and my family harm. My credit score suffered due to this erronous reporting of inaccurate information that harmed me per failure due to a violation of the Fair Credit Reporting Act ( 15 U.S.C. state statute 1681 g ). 
I want Flagship to take all late payments off my credit report due to a Pandemic that kept me and other Americans from going to work due to Covid-19 Pandemic. I have always paid the exuberant fees that I was defraud of. I want a legal entitiy to levy penalties against Flagship for misrepresenting the facts on my personal credit reports and I want them to reimburse me the maximum amount of penalties and fees that could be levied against a company that repa consort false and inaccurate information on a consumers 's report. 
I want an investigation on why they kept reporting harmful, inaccurate, and misleading informaiton on my credit report. I want to know why they did not correct my report in XX/XX/year>. I have been harmed financially, personally, and mentally.
Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (FL)

CREDIT ACCEPTANCE CORP Account number XXXX In accordance with FCC regulations, the specific code or provision that grants me this right is outlined in Title 47 of the Code of Federal Regulations ( CFR ). While I do not have the exact code at hand, it is my understanding that the FCC ensures consumers have access to signed copies of contracts, especially those related to telecommunications and related services.

This is a breach of contract and an adverse action for exercising my rights.

Consumers also have rights under the Fair Debt Collection Practices Act ( FDCPA ), a separate federal law that regulates the practices of debt collectors. Under the FDCPA, if you request validation of a debt within 30 days of receiving the initial communication from a debt collector, the collector must provide you with certain information, including a written verification of the debt, if requested. However, this does not necessarily require the collector to provide the original signed contract or " wet documents. ''
Consumer complaint received 2024-01-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (FL)

I am XXXX and run a XXXX XXXX. I provided the documents required to open my account with US Bank but was told they were not legible. I was asked to resubmit them at least 5 or 6 times. I submitted them each time I was asked, but they kept looking at the first documents I submitted and telling me they were not legible. Because I am XXXX and permanently XXXX, I have some challenges with my handwriting, which I repeatedly explained and asked for assistance and if they have an XXXX XXXX. One person joked about my XXXX and asked me what my XXXX was and told me I just needed to write the form better and that it wasn't their problem that I couldn't write it better. She hung up on me and then she actually picked up the phone and laughed at me when I called back. I repeatedly explained that I would like assistance and was finally told by a XXXX they had an editable version of the form, but that the issue was rectified so I didn't need to complete it. After this, my account was closed - backdated to XX/XX/XXXX. The reason noted in the letter I received about my account being closed on XX/XX/XXXX, ( dated XX/XX/XXXX - showing my account closing effective for XX/XX/XXXX ) was that they had been trying to reach me by phone, email and mail - even though I had been assured on multiple occasions that the issue had been resolved as recent as an email I received on XX/XX/XXXX - confirming my account is active and open as of that date.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PENTAGON FEDERAL CREDIT UNION (TX)

I contacted Pentagon Bankcard on XX/XX/2023 to exercise my right to opt out of the disclosure of my non-public personal information to all third parties including consumer reporting agencies, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX. 
Per 15 U.S.C. 6802 and CFR 313-Privacy

of Consumer Financial Information . I have not gotten a response from this company and they continue to report my
personal information to third parties.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Checkr, Inc (TX)

Checkr has unfairly delayed the return of my background check over information they already collected prior to the last time I lived in Kansas. Their excuse is the data breach in Kansas that occurred XX/XX/XXXX, but ironically I had to file a complaint about this same issue back in XXXX and their excuse was the same. Either checkr needs to better their process, or the state of Kansas needs to reactivate their electronic reporting. Its ridiculous in 2024 for a states electronic system to be reporting failur from XXXX through late XXXX. Its very clear that Kansas does not care how this affects people in the workforce, but its violating my rights under the 14 th amendment at this point as I can not work in another state due to Kansas antiquated manual reporting practices that are a direct result of the states negligence in repairing systems after their XX/XX/XXXX breach.
Consumer complaint received 2024-01-18
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. (NY)

I have tried to investigate XXXX XXXX XXXX for the amount of {$8700.00}. I have tried to investigate XXXX for the amount of {$0.00}, said account has been deleted from XXXX and XXXX. XXXX XXXX ( no amount listed ) this account has also been deleted from XXXX and XXXX. CFPB In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15USC 1681 Section 602 states that I have the right to privacy. 15USC 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 166B a creditor may not treat a payment on a credit card account under an open a consumer plan as late for any other purpose. 
I am requesting these accounts be removed form My equifax credit report. This issue has left me unable to obtain credit for car loans and mortgages and credit.
Consumer complaint received 2024-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

Capital One closed my credit card account XX/XX/XXXX and if it wasn't for all the past due fees, I would have the account paid in full. On XX/XX/XXXX {$40.00}, XX/XX/XXXX {$25.00}, XXXX {$25.00}, XX/XX/XXXX {$25.00}, XX/XX/XXXX {$25.00}, XX/XX/XXXX {$25.00}. It appears that that Capital One is trying to make me fail. My balance is only {$230.00}, so I am trying and before they closed my account for no reason, I never missed a payment or anything so I don't understand and I don't feel like I owe these late charges.
Consumer complaint received 2024-01-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On Monday XX/XX/XXXX I deposited {$5200.00} in cash and a check for {$2300.00} at the ATM of Bank of America located at XXXX XXXX XXXX in XXXX MA. After depositing the money the machine shut down and I was unable to get a receipt. I called the number on the ATM and after waiting a while got connected to a person. The person explained that they would do some research and I would get a temporary credit to my account within 48 hours. I waited until Thursday XX/XX/XXXX and there was no credit to my bank account. I called the bank and after waiting on hold was eventually put in touch with a representative. The person after a while said she could see no pending credit and transferred me to the fraud department. After waiting on hold again I finally got a representative who then told me that it takes 10 business days to get a temporary credit. I was so mad. I told him that his colleague two days earlier had told me on a recorded tine that I would have the credit in 48 hours. I also asked him why it takes 10 days to balance an ATM machine, there was a camera over the ATM which clearly showed me making the deposit and this to me is completely unacceptable.
Consumer complaint received 2024-01-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: HSBC NORTH AMERICA HOLDINGS INC. (NH)

On XXXX XXXX XXXX had processed an autopay for credit card payment for XXXX $ from HSBC Checking account, the transaction was processed with HSBC allowing it even with Low balance in the account, due to the low balance, i had immediately transferred sufficient funds for the full transaction to go through and it was reflected in the Bank account before the star of next business day, but HSBC still went ahead and rejected my credit card payment to be cleared causing nothing but inconvenience. I had to block an extra XXXX $ so that there is not issue with the payment, and on top of that the transaction was rejected and credit back into my HSBC checking account later on XXXX XXXX even though there were sufficient funds. 

I tried to resolve the issue with HSBC with a manager named XXXX and his colleague XXXX, but both were least interested in solving the issue. 

The reference number for the call i had with them is XXXX
Consumer complaint received 2024-10-01
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (MI)

To Whom It May Concern, I am writing to file a formal complaint against American Express regarding the recent cancellation of my credit card account. I have been a loyal customer to American Express for a number of years and have consistently maintained good standing with no prior issues. 

In XXXX of XXXX, I contacted American Express to resolve a dispute with XXXX of their representatives. During this conversation, I felt that my concerns were not handled appropriately, and subsequently, my credit card was canceled without any prior warning or justification. 

This cancellation is particularly troubling as it prevents me from ever opening an American Express account again, which I believe is unfair and unjust given that the cancellation stems from a disagreement with a customer service representative. I have always fulfilled my obligations as a cardholder, and this action seems to be an overreach in response to a misunderstanding rather than a legitimate breach of policy. 

I request that the CFPB investigate this matter and provide guidance on how to resolve the situation. I would appreciate any assistance you can offer in rectifying the cancellation of my account and restoring my good standing with American Express. 

Thank you for your attention to this matter. I look forward to your prompt response.
Consumer complaint received 2023-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: ADIR INTERNATIONAL LLC (CA)

I learned from my credit report that someone opened an curacao account under my identity, account number : XXXX, this is fraud, I have never used it, please close this account, I have reported the incident to the police.
Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

i have an unfamiliar account on my Transunion credit report. That account is from XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL. XXXX This account is Addressed to a XXXX XXXX XXXX from XXXX XXXX XXXX, My name is XXXX XXXX XXXX XXXX XXXX IL XXXX See attached documents. This is clearly not me and I would like this account removed from my Transunion credit report immediately. This is already in a litigation state and my next step will be in a XXXX XXXX XXXX to get this matter resolved.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kikoff Inc. (DE)

According to USC 15 1681s-2 : A person s 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. Also, according to USC 15 1681 and USC 15 1681B-1 : I have a right to privacy ans the credit bureaus do not have written permission. 
My XXXX report has been violated by XXXX as well as Kick off LLC.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

This credit reporting company is not investigating like they supposed to under the FCRA. They are required by FCRA to verify 100 % that all information reported is 100 % accurate and need to provide me with evidence for this disputed information.
Consumer complaint received 2024-01-18
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank (TX)

-This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-01-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Roycroft Management (IL)

Today was the second time calling me about this debt. They say there was a complaint filed against me by XXXX XXXX XXXX  for money owed. They also say that something was sent to me be registered mail ( I never got anything from anybody ) they would not even send me proof of the debt showing me what I owe! They also say that there will be a case filed in county court and will asses lawyers fees and other fees to make the amount larger.

I believe this to be a scam because my information was sold by a payday loan company and now I am getting all kinds of emails and now these phone calls about money I dont owe. Any payday loan I had was listed in my previous bankruptcy and cleared of that debt.

There is nothing on my credit report dealing with XXXX XXXX XXXX. Im putting a freeze on my credit report.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Volvo Car Financial Services U.S., LLC (TX)

I am writing to address a critical issue related to the reporting of a charged-off account and the failure to provide the required Form 1099-C for the canceled debt. As of today, I, XXXX XXXX XXXX XXXX, am explicitly requesting the issuance of Form 1099-C for the charged-off account ending in XXXX. 
I am formally requesting the issuance of Form 1099-C to ensure accurate reporting of the canceled debt associated with my account, as per IRC Section 6050P. Despite previous requests and the company 's commitment to resolving the matter, the necessary documentation has not been provided
Consumer complaint received 2018-01-30
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. (GA)

Wrong addresses and names or spellings of my name and variations on my address are making it inaccurate and violates FCRA that states it should be 100 % accurate. there are inquiries I do not recognize and original creditors can not locate my information. 

1. XXXX XXXX XXXX ( XX/XX/XXXX ) 2. XXXX XXXX XXXX ( XX/XX/XXXX ) 3. XXXX XXXX ( XX/XX/XXXX ) 4. XXXX XXXX ( XX/XX/XXXX ) 5. XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) 6. XXXX ( XX/XX/XXXX ) 7. XXXX XXXX ( XX/XX/XXXX ) 8. XXXX ( XX/XX/XXXX ) 9. XXXX XXXX ( XX/XX/XXXX ) and Equifax is reporting 1. XXXX XXXX ( XX/XX/XXXX ) 2. XXXX ( XX/XX/XXXX ) 3. XXXX XXXX ( XX/XX/XXXX ) 4. XXXX ( XX/XX/XXXX ) 5. XXXX ( XX/XX/XXXX, XX/XX/XXXX ) 6. XXXX ( XX/XX/XXXX, XX/XX/XXXX ) 7. XXXX ( XX/XX/XXXX, XX/XX/XXXX ) 8. XXXX ( XX/XX/XXXX ) 9. XXXX XXXX XXXX  ( XX/XX/XXXX ) 10. XXXX ( 1XX/XX/XXXX ) 11. XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) 12. XXXX XXXX ( XX/XX/XXXX ) 13. XXXX XXXX XXXX ( XX/XX/XXXX ) 14. XXXX ( XX/XX/XXXX, XX/XX/XXXX ) 15. XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) 16. XXXX ( XX/XX/XXXX )
Consumer complaint received 2024-01-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (WA)

People from WELLFARGO BANK decided to close my platinum savings account when I deposited XXXX checks {$5000.00} and {$1000.00} respectively because they said that there's XXXX check 's amount is changed by handwriting, another check is took picture by cell phone, requested me to provide the notarized letters to verify the check issuers. However, I did faxed my notarized documents XXXX times in different branches offices regarding to verify XXXX checks deposited to my account as they requested, they claimed that they didn't receive fax in XXXX  and XXXX time.It didn't make sense that they can receive the fax at the XXXX  time I faxed but they can't receive XXXX  and XXXX  fax I did on XX/XX/XXXX and XX/XX/XXXX respectively. I found out that they created XXXX different case numbers ( case No. : XXXX XXXX XXXX XXXX XXXX  ) as it's suspicious because nobody can locate my case when somebody picked up my fax. I also emailed to the representative of XXXX XXXX XXXX XXXX  by the attachments of notarized XXXX times, but they ignored them. I mailed all these documents to them, there's no respond to me. They should give me back all my money {$6200.00} deposited in my bank account by cash check when they're going to close my account on XXXX XXXX as the official letter mailed from WELLFARGO bank indicated that their regular practice of closing account, I had already got them done as they requested, they can't find all kinds of excuses that they didn't receive my faxes and close my account without giving me back {$6200.00}.
Consumer complaint received 2024-01-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: TRUIST FINANCIAL CORPORATION (MA)

We - XXXX XXXX and XXXX XXXX- have XXXX mortgages with Truist bank, XXXX and XXXX. We pay our monthly p & i on time each month, generally on the first day of the month due or in some cases the last day of the prior month. Beginning a week ago, I started receiving emails from Truist on a daily basis, and then every few hours claiming our XXXX mortgage payments had not been received. Despite this, the Truist online app reflected that the payments for XXXX were paid on XX/XX/2023, three days early. Now, on XX/XX/XXXX, my accounts reflect that they are in arrears and we have been charged penalty fees. This is simply incorrect and reflects a fraudulent attempt to collect duplicate mortgage payments. I would like the records of my accounts corrected, my accounts placed in good standing, the penalty fees reversed, and the credit agencies notified of Truist 's error. 

( Please note that my CFPB account includes my late mother 's name from a complaint filed several years ago. She, deceased, is not related to this new matter. )
Consumer complaint received 2018-10-05
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: ECMC GROUP, INC. (FL)

Back in the late XXXX 's, I had to file for Chapter XXXX and Chapter XXXX bankruptcy. 
Relief from my student loan obligations was denied. I was later contacted by ECMC and told that I had 3 days to pay off my $ XXXX balance that was in default or the amount would double. I had no money at the time and no resources to pay off the balance. How can the law allow any entity to do this? If I just filed for bankruptcy, and couldn't afford a single payment, it is evident that I could not pay off a balance of $ XXXX in 3 days! I did some research and reached out to XXXX  XXXX. They had a program that would allow me to consolidate my student loans providing I was able to make 3 consecutive monthly payments first. I was able to pull the money together and XXXX XXXX consolidated my loans with ECMC. What I didn't know at the time is that ECMC had increased my $ XXXX balance to $ XXXX and THEN sold them to XXXX XXXX. I have since paid over $ 120K ( over $ 600/month for over 17 years ). I still have an outstanding balance of $ XXXX. That's over $ 260K for $ XXXX of student loans! I believe that I have more than met my commitment in repaying the $ XXXX and I'm requesting assistance going after ECMC for doubling my initial loan amount ... ..which would be paid off by now. I further believe that ECMC has been allowed to engage in a VERY predatory practice. I can provide documentation upon request. Thank You for your consideration.