davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP (IL)

Dear XXXX XXXX in XXXX XXXX at XXXX XXXX, Is XXXX XXXX a financial institution?? 

Clearly on the letter dated XX/XX/2023 you stated your company is a " member of the financial services industry ''. Furthermore, as defined in 15 USC 6809 ( 3 ) ( a ), ( Public Law 106-102, title V, 509, 113 Stat. 1443 ) The term financial institution means any institution the business of which is engaging in financial activities as described in section 1843 ( k ) of title 12. 

In congruent with you stating XXXX XXXX is a " member of the financial services industry '' and the definition of financial institution as congress prescribed, it is correct to say you are a financial institution that is governed by Federal Regulations, Federal Statues, and Federal Regulators. 

As a financial institution you are required to promptly process my opt out demand from my nonpublic personal information being disclosed to any and all nonaffiliated third parties. 

XXXX, are you suggesting that XXXX XXXX is illegally denying me my right to privacy and my right to opt out? Please seek legal guidance before responding to that question. 

Additionally, you mentioned the Fair Credit Reporting Act in your letter dated XX/XX/2023 but obviously havent read it in its entirety. In the Fair Credit Reporting Act, a financial institution is to provide me a clear and conspicuous written notice, advising me it will be reporting negative information to a consumer reporting agency. I never received a CLEAR AND CONSPICUOUS notice from XXXX XXXX of such activities. 

However, even if you did provide me of such notice, the Fair Credit Reporting Act states it DOES NOT require a financial institution to furnish negative information about a consumer to a consumer reporting agency! 15 USC 1681s-2 ( 7 ) ( E ). 

Please provide the legal statue that says reporting negative information on a consumer to a consumer reporting agency is required by law. There is no such statue. But there are many statues that point to my right to privacy, to my right to opt out to your duties as a furnisher of my information. You dont control my information ; CONGRESS GAVE ME THE RIGHT TO CONTROL MY OWN INFORMATION. 

Stop disclosing this account to all non-affiliated third parties including XXXX, XXXX and any other nonaffilated third parties that I am unaware of. 

THIS IS MY OPT OUT NOTICE, AS A FINANCIAL INSTITUTION YOU MUST COMPLY. 

XXXX XXXX
Consumer complaint received 2023-10-28
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ENOVA INTERNATIONAL, INC. (FL)

On XX/XX/2023 i applied for a line or credit with NETCREDIT and was denied my right to credit because of information inside my consumer report. information contained inside my consumer report is not a determining factor of credit and is a violation of the Equal Credit Opportunity Act. Not only was I denied my right to credit but NETCREDIT also used my credit card ( ssn ) and I received no benefit from the use of my credit card. NETCREDIT is violating the Equal Credit Opportunity Act and the Consumer Credit Protection Act by denying me my right to credit. This has hindered me from providing basic necessities for my and my family. Denying me my right to credit has also hindered my unalienable rights to life liberty and the pursuit of happiness.
Consumer complaint received 2023-10-27
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. (TX)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2015-09-21
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: P&L Acquisitions LLC (NC)

My interaction includes multiple violations, but I was only able to choose one. A representative from P & L Acquisitions contacted a relative with whom I have never lived, never used as a contact address, and posed as an employee of the local courthouse. He claimed that he was looking for me, because a summons was going to be delivered to my relative 's address the following day. He stated that she needed to get a message to me informing me of this information and that I needed to contact a toll-free number that he provided to her in order to resolve the matter. My relative was able to reach me. She told me that the caller disclosed details of the alleged debt, as well as harassed her with threatening language, and he told her that he was a courthouse employee and that he was at the courthouse at that time. The number on her caller ID showed the XXXX County Courthouse number, but the number did not originate from the courthouse. I called the toll-free number that was given to her, and a man answered with a greeting of " Corporate office. '' I asked for the name and address of the company, which he provided as P & L Acquisitions. I also contacted the courthouse, as well as the Sheriff 's Department, and they denied that anyone from there contacted or was looking for me. A representative from XXXX XXXX XXXX XXXX fraudulently posed as a courthouse employee in order to threaten me. The next day, I received a letter from the company, signed by XXXX XXXX " Legal Administrator. '' The letter untruthfully stated that I had ignored previous attempts to resolve this matter, which is absolutely not true, because I have never received any communication from them, and there is no information in the letter to identify what this matter is about. The letter is designed to look like an official legal document. It threatens to obtain a judgment against me without even suggesting that I have a right to dispute their claim. There is nothing about an original creditor or other identifying information. There is no disclosure stating that I have the right to dispute. There is no proof that they are licensed to practice in my state. The letter also states that they may file a lawsuit against me which would result in a judgment entered against me. That 's not how it works. This letter is yet another example of illegal collection practices that this company has willfully chosen to take.
Consumer complaint received 2023-10-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: KEYCORP (TX)

I have Loyality checking account with Laurel Road Bank - part of Keybank. I have no idea why Keybank send me this letter ( dated XXXX XX/XX/2023 ) that there is some fraud going on in my account. I called but nobody was there even after 25 minutes of wait. Then keybank is threatening that they will close the account and also furnish negative information to a consumer reporting agency. Keybank should provide me specifics rather than general language which gives no clues.
Consumer complaint received 2016-02-03
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Solutions To Portfolios, LLC (MI)

XXXX XXXX from XXXX XXXX calls approximately 10-20 times per week from multiple numbers. He never leaves a message. The only way I know his name is because he called and demanded to speak to my employer and accidentally called my boss while doing so. I have called and asked him to cease all verbal communication and contact via written correspondence only but he told me that he is going to " file paperwork '' and have me arrested if I do n't pay a loan which he discloses nothing about.
Consumer complaint received 2015-04-23
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Terrill Outsourcing Group (FL)

This morning I got a call from a company by the name of Superlative RM. The person refused to give his last name but his first name was XXXX. They have the CFPB logo on their website so I assume you are somehow endorsers of theirs. Anyway, I calmly explained to this person I did not owe any debt to the company. The rep laughed at me and said they were going to report the debt to the credit bureaus and said that I had to dispute the debt in writing. I demanded that they validate the debt as is my right under Federal Law but they refused to do so. I never signed any contract with this company and have never heard from them. They also called me from a ( XXXX ) ( XXXX XXXX ) phone number but I found out they are based out of California and are operating under XXXX different company names. He also had my personal information such as my social and I told him he did not have my permission to have or use this info.
Consumer complaint received 2015-07-04
Product: Prepaid card — Other special purpose card
Issue: Fees — 
Company: AMERICAN EXPRESS COMPANY (WI)

XXXX rebate card handled by American Express. I was given an {$18.00} prepaid card. A few months later, it became {$12.00}. {$2.00} per month fee is charged for three months. The fee was written in the back of the card in a very small font.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

TRANSUNION : XXXX loan balance XXXX XXXX  previously managed by XXXX remains reported by Transunion even though it was transferred to XXXX in XXXX XXXX. Transunion still reports the debt from BOTH loan managers doubling the amount as XXXX XXXXXXXX, affecting my credit score. 

I filed a dispute through my XXXX account, and Transunion responded with, " ... the information is correct. '' XXXX, on the other hand reported the transferred loan amount accurately within 30 days.
Consumer complaint received 2023-10-26
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (NY)

I am formally complaining against COMENITY CAPITAL BANK I for a number of consumer laws that they are in violation of. 15USC1681 ( A ) ( 2 ) dealing with exclusions and how I never gave them the right to report any of my transactions to any 3rd party ( XXXX, XXXX and XXXX ) along with 15USC6801 and 15 USC6802 ( A ) ( B ) ( C ). 

I have contacted COMENITY CAPITAL BANK who has been totally non compliant through this entire process and has been adamant about breaking consumer laws. I asked the CFPB to step in and make sure that COMENITY CAPITAL BANK stand by and address the issues that I noted in consumer law and not to continue to disregard the rights of consumers. 

Thank You XXXX XXXX
Consumer complaint received 2023-10-28
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. (FL)

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

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group (MI)

I sent the company a certified letter requesting them to validate the debt they are reporting to the credit agencies. I asked them to respond within 30 days and they did not respond. After the 30 days, I sent another letter via certified mail asking for the company to delete all references to the account from my profile within 15 days. Both letters were delivered to the company, and I have a copy of the return receipt and tracking numbers. 

Tracking number for 1st letter : USPS XXXX Tracking number for 2nd letter : USPS XXXX
Consumer complaint received 2023-10-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (MN)

The business buried the payment options in the fine print of the welcome kit. If I would have seen that I could not make debit card payments towards the credit limit then I would have canceled it right there on the spot. If I had seen that they didnt accept debit card payments when I applied for the card, I wouldnt have applied for it. 
The settlement that they offered me is offensive. Its not even a settlement. The credit card was for a {$700.00} credit limit. The settlement offer was for {$740.00} and to also put a very small window limit on that which again cant be paid with a debit card is even more disrespectful and offensive. 

The false advertising and fraudulent business practices the company chooses to do has cost me two years of hard work to increase my credit score from very poor to good which is well over XXXX points in less than four months. 

Now they are sending me conflicting correspondence in the mail. One correspondence dated XX/XX/23 states that the account has been closed by me and I must continue making the required payments until it is paid in full. Whatever that even means but Im sure they kept it vague so that you they add more fees and continue to destroy my credit. 

They contracted with or created their own collections agency, XXXX XXXX, to continue their fraudulent business practices. And they dont accept debit card transactions either. 

The other correspondence is dated XX/XX/23 and its an account summary statement which states that I have a balance of {$920.00}. Thats {$220.00} more than the original credit limit with the outrageous fees theyve added. And it also states theyre going to add another {$41.00} to that amount if I dont give them {$220.00} by XX/XX/23. 

Theyve cost me so much more than what they claim I owe then! Two years of around XXXX points of credit score building has cost me close to {$20000.00}, if not more. 
This business has destroyed my credit! 

I even tried to negotiate a settlement in good faith to stop the onslaught to my credit. Theres not a decent business on earth that doesnt accept debit card transactions. The only ones that do not are the ones that like to slowly process money to rack up fees and hurt peoples hard earned credit scores to strong arm them into paying off their entire balance quickly so that their credit score doesnt get damaged anymore. This business is falsely advertising and their business practices are fraudulent. 

There are over XXXX pages worth of complaints filed against this business on XXXX that theyve done, similar if not the same things that theyve done and are continuing to do to me to countless other victims as well. 

Its not fair and its not right.
Consumer complaint received 2023-10-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

Mohela had no record of my prior IDR payment amount despite the fact that it should have ported over from XXXX, despite the guidance from the XXXX XXXX and DOE. I was told to reapply to get an IDR payment amount. I did so and Mohela apparently cant seem to calculate my correct payment amount. As a former teacher with a new baby, this stress in entering repayment has been hard to bear. 

I applied to the save repayment plan with my financial information as well as my spouses. The Mohela application correctly calculated my payment amount as allocated between my spouse and my loans ( Est. {$60.00} of a total of est. {$360.00} ) ; however, the amount actually applied to my account as I entered repayment was the full amount both my spouse and i are required to pay rather ( est. {$360.00} ) than the allocated payment amount based on my relative loan percentage ( est. {$60.00} ). My spouse has roughly XXXX in loans while I have a mere XXXX in loans, so this payment distribution makes no sense. 

Initially I was put into admin forbearance in XXXX for this calculation, presumably, but when I was put on repayment for XXXX, the amounts were erroneous as described above. 

I'm troubled that this miscalculation occurred as I provided accurate financial information through the servicer 's repayment verification process. I did not receive a copy of the information entered, and instead only received billing information with the incorrect amounts. 

I have contacted mohela several times and asked for a review of my account and a temporary placement into administrative forbearance while they review and preferably rectify their payment calculation issue, but i have received no reply despite these inquiries. This is despite their claim that they will respond within 3-10 business days. 

I would be fine paying my loans at the correct amount but my spouse and I will not essentially double pay for the servicers miscalculation. 

as Mohela has been unresponsive and i have little desire to wait on hold lines for hours to be told incorrect information ( as my spouse has experienced several times ), i'm hoping this complaint process can spur correction. i'm happy to provide whatever information is needed. thank you for your time.
Consumer complaint received 2023-10-26
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On or about the XXXX of XXXX, 2023, I received a Bank of America Credit card that I had applied for. It has a zero interest rate for one year. I tried activating the card, which went well, I then tried to use the card and it was DECLINED. I called the number on the back and talked with XXXX. He could not assist. I then figured out how to activate the card online ; however, when I tried to use it, it was declined. I could not use the card On XX/XX/XXXX, I logged in. Bank of America had enrolled me against my will into " online banking '' and created an account I did not ask for. I then went to a place in the website that said I could not use the card. I was told that I could not activate the card. I had to go in person to the bank to get the card activated. I could not do this because I am XXXX. I was in a hit by a car on my bike and XXXX XXXX XXXX. I was told that XXXX people are discriminated against. If you don't own a car or XXXX XXXX XXXX XXXX, you may not use the card. They told me I could download the app on my cell phone, and agree to be tracked and then they " might '' activate the card. I refused. 
Bank of America discriminated against me because I am XXXX and XXXX XXXX XXXX to the back to activate my card, and therefore I have been disqualified from using the BofA special offer. My credit score is XXXX I spoke with the following people : XXXX, XXXX ID # XXXX
Consumer complaint received 2023-10-26
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: ENCORE CAPITAL GROUP INC. (IN)

I am a victim of fraud. My ex-husband and his mistress used my name and social security number to open accounts in my name. I was separated from my husband since XXXX forced out my home. I had to get legal help to gain entry back in my home. A judge ordered my ex-husband to surrender my home on XX/XX/XXXX. As I returned back to my home, I noticed mail in my name regarding credit card accounts my ex-husband opened without my knowledge. The credit company who purchased my account never checked to see if the accounts were opened with my acknowledgement. Lawsuits were filed against me by Midland credit management, how I gained knowledge of accounts.
Consumer complaint received 2023-10-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I received an offer directly through the Bank of America website when I logged in about a promotional offer for a business checking account. The offer stated that you has to open an a business account before XX/XX/23 and deposit {$30000.00} in the account within 30 days and maintain that amount for an additional 60 days. After that point you will receive {$1000.00} cash bonus. I called Bank of America around XX/XX/23 to verify the offer and ensure Im eligible. I was told I was and proceeded to open the account on XX/XX/23. 

I met my account requirements on XX/XX/23 but now Bank of America is stating that they cant find the offer and the offer code provided in the application didnt match what Im stating. I provided proof directly from the online Bank of America site. 

I feel like bank of Americas actions are deceiving and fraudulent.
Consumer complaint received 2023-10-26
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (NV)

Account XXXX : XXXX I am writing to address a recent late payment that was reported on my credit report for my car loan with Chase Auto Finance. I kindly request your assistance in reconsidering this late payment and removing it from my credit history. 

The issue is due to bank error as I had made my payment on XX/XX/2023. On XX/XX/2023, I saw the transaction for Chase in my bank and the amount withdrawn from the account but then it abruptly disappeared. I called Chase to see what was going on but they had not seen the issue on their end yet. I was told to wait until it was officially returned as I was not sure if they had gotten or not. I tried to be proactive by calling ahead of time to try to save my credit and figure out solutions but no one was willing to provide any solutions and they did not understand how credit worked. I had to wait until the XXXX to find out it had been reversed and the funds were released for me to be able to make the payment again. This issue is due to bank error. 

I pride myself on not getting any lates with my car and I tried to resolve it prior to the 30 days but Chase does not have staff that understood or could not provide any answers or assistance. Investigate and reverse this late payment. 

The payment has fully cleared and money has been successfully received by Chase.