davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (CA)

I received calls from affirm and I didnt know what it was until they explained even then I was confused on why I was receiving calls from them until they told me in XXXX and a different month that someone took two loans out in my name also with my social security I was very upset so I told them please what can I do to report this or stop the account and so I had to call back and speak to the manger and he helped me flag the account and put a hold on it so they can do a investigation so they can delete the account and current active loan. I learned one of the loans didnt go thru more than likely because when I called the first time I had the women flag the one loan thinking she flagged the whole account but she didnt and so I called back like I said and spoke to the manager and confirmed none of the loans were authored by me or actually made by me. today as of XX/XX/2024 officially reported the account to be investigated and I also filled a fraud/ identity theft report with the loan collector so they understood the gravity of the situation I am now having to deal with my information being leaked at a XXXX  not more half a year prior to this happening so I know this is something I must do to protect my information and fix this mess. Thank you for your time I hope I mentioned everything properly I have XXXX  XXXX so I apologize for my writing skills.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: General Motors Financial Company, Inc. (CT)

GM Financial changed the way they had been collecting our car taxes. They always added our tax to XXXX of our car payments and we paid that way for years. We never had late payments. Our Fico score was XXXX. We learned that our credit score had dropped greatly and called FICO to find out why. They said GM Financial had reported late pay ments. We immediately called GM and were told by their customer service rep that we were not late or missing any payments. I doubled checked all my bill statements and every month had been paid. I then called XXXX to find out what was going on. They said GM reported missing payments for the last 3 months. I again called customer service at GM and again was told that all payments had been made and my account was perfect. I then requested the credit company to initiate an investigation. Soon after we received a call from GE. They said our car tax had not been paid. We said we received no bill. They said they sent a letter saying that they had paid the bill for us and we had to reimburse them and now it was late and they reported it to the credit bureaus. They refused to reinstate our original score. We checked with our city tax collector and they said there were no outstanding taxes due.We called GM and said that in fact that did pay the tax for us, we were never notified that had been done. We strongly feel tha GM should correct our credit report because 1. They never told us they were changing the way they were billing the car tax. 2.We never received the letter they say they sent. 3. They never sent any follow up letter by registered mai or fed ex, or ups with tracking numbers. 4. They said they called to notify us at least 20 times but never got an answer. I asked what number they called and it was a number that was disconnected years ago. They never left any messages on the answering machine and when I asked why they said they could not leave messages as it was company policy. 5. We never authorized them to pay our tax bill. 6. We never got a receipt for their payment. 7.We paid immediately when we were sure that reimbursement was needed. 10. They have still refused to return our credit to the level it was before they proceeded to destroy our excellent score that took years to achieve. Please contact us via email with any questions you may have.
Consumer complaint received 2024-01-30
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (NH)

I made a {XXXX  purchase at Jared 's on XX/XX/XXXX, using the Jared Credit Card through Comenity. Set up autopay on XX/XX/XXXX to ensure full payoff of promotional balance prior to promotional balance expiration. 
Made two more purchases : XXXX  on XX/XX/XXXX ; and {$1500.00} on XX/XX/XXXX. 

Knowing that auto pay of XXXX a month was set up to cover balance prior to expiration date, I did not review my statements. I made the assumption that all payments would go to the first purchase, which was the one whose promotional limit would occur first. 

On XXXX XXXX I happened to review my account and noticed that the promotional balance was not paid off, there was still a balance of {XXXX with a promotional period ending XX/XX/XXXX. 

I called and spoke with a customer service representative ; I explained I must have calculated wrong on my auto payments. And asked if I could pay the remaining balance and they would be willing to wave the accrued {$940.00} interest, even though it was 8 days late. He informed me there was nothing they would do, as the statement plainly showed I had that balance due. I asked to speak with the supervisor. 

During the wait I reviewed my statement more fully and realized that they have been splitting my payments between my three different balances. I have made XXXX} in payments towards the card by XXXX XXXX. The supervisor told me that my payments are split between balances, not applied to the oldest first. And I did not pay off my promotional balance by the expiration date. And there was nothing they would do for me. I asked again if I could pay the remaining XXXX} at this time, and they would waive the interest. He said no. They will be charging me {XXXX} in interest, despite the fact that I have paid {XXXX  towards this card, {XXXX} more than the original purchase they will be charging me interest for. 

I feel the practice of splitting my payment among different balances, instead of applying the payments in the order they were accrued is a sneaky practice. I have other cards with revolving promotional purchases, and each payment is applied in full to the balance that is set to expire first. 

By not applying my payments in full to the first amount to expire, it makes setting up auto payment and budgeting nearly impossible. 

I made a XXXX  payment online on XX/XX/XXXX with the intention of paying off this first balance. But it did not give me an option on which balance I want this applied to. So at this time, I am unsure if the first balance is paid off, or if they split my payments between balances again.
Consumer complaint received 2023-09-28
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: RFNA, LP (TX)

They are claiming that I had taken out a loan with them via check approximately on the date of XX/XX/2021. The simple truth of the matter is, I was not even in the location, that they claim that I was in, due to a rodent infestation. I never had dealt with them before, didn't know who they are now, until they started calling me XXXX times a day. They call at dinner time, morning time, and at any point in between. All of this is in violation of the federal fair debt collection practices act, as well as the Texas debt collection practices act. They do this, despite me having informed them that I'm an attorney, and am asking for evidence of this. Moreover, they continue to contact me after they know that they have spoken to my attorney. Indeed, they continue to call me, after I have said that I am invoking the federal fair debt collection practices Act requirement that they validate the debt, which they have not done. 

They call me at all hours and multiple times and they are violating state and federal law. I feel this is now necessary to report.
Consumer complaint received 2024-01-31
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MRS BPO, LLC (FL)

Hello, My name is XXXX XXXX XXXX, Consumer, who currently reside at XXXX XXXX XXXX XXXX XXXX Fl, XXXX in XXXX XXXX XXXX I am writing this complaint because I did not give any of the parties mentioned written consent to contact XXXX XXXX XXXX, Consumer, or any other person regarding this alleged debt. This is a Notice to place all of the parties mentioned on a Cease and Desist Order.
Consumer complaint received 2024-01-31
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (GA)

I called Synchrony Bank to let them know that I wanted a paper bill without the charge of {$1.00} a month for the paper bill. I also asked can they provide to me in writing where it states in the terms and conditions that they can charge me this {$1.00} each month for providing a paper bill. They told me that they can change the terms when they want and that they could not provide that in writing. I think that this is ridiculous and that this should be investigated to find out how a bank can change the terms and the consumer is supposed to bow down to their conditions.
Consumer complaint received 2024-01-31
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NY)

From XX/XX/XXXX to today, the creditors closed the following accounts because of information they received from XXXX. 
XXXX XXXX - never late Bloomingdales- not late was late in the past, and this came off my records XXXX  - never late XXXX XXXX - never late XXXX XXXX - never late I called each creditor and was told that my cards were closed because of information they received from XXXX. I called XXXX and was told they could not provide me with any information and that I needed to file a dispute. I filed a dispute and have not heard anything from them, but more accounts are closed in the meantime. My credit reports with all three credit bureaus are frozen. My payment credit history is good. I need my accounts to be re-opened.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I have reviewed my credit report, dated, and found an entry that reports payment transactions. According to the FCRA, payment transactions are not allowed to be included in the credit profile as they do not represent an extension of credit or a debt obligation. This reporting violates the FCRA in the following ways : Inaccuracy : The entry inaccurately reflects my credit history by including payment transactions that do not pertain to any credit or debt-related obligation. 
Misleading Information : The inclusion of payment transactions misleads potential creditors and lenders by suggesting that I have a credit history or debt obligations that do not exist. 
FCRA Compliance : The FCRA explicitly states that credit reporting agencies, such as XXXX, are required to ensure the accuracy and fairness of the information they report. Inclusion of payment transactions on my credit report is a clear violation of this requirement.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected rights to privacy and confidentiatity under 15USC 1681. 

ACCOUNTS : XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Auto Account # XXXX XXXX  Account # XXXX XXXX  Account # XXXX 15USC 1681 Section A States I have the right to privacy.

15 Usc 1681 Section 604 A consumer reporting agency can not furnish a a ccount without my written instructions.

15 USC 1681a-Definitions ; rules of construction ( 2 ) Exclusions.- Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing. information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666 b ( a ) Time to make payments. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, afinancial institutionmay not, directly or through anyaffiliate, disclose to anonaffiliated third partyanynonpublic personal information, unless suchfinancial institutionprovides or has provided to theconsumera notice that complies withsection 6803 of this title.

( b ) OPT OUT ( 1 ) IN GENERAL Afinancial institutionmay not disclosenonpublic personal informationto anonaffiliated third partyunless ( A ) suchfinancial institutionclearly and conspicuously discloses to theconsumer, in writing or in electronic form or other form permitted by the regulations prescribed undersection 6804 of this title, that such information may be disclosed to such third party ; ( B ) theconsumeris given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) theconsumeris given an explanation of how theconsumercan exercise that nondisclosure option.

Also they are'nt even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2024-04-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (CA)

On XX/XX/2024 I used an ATM owned by XXXX XXXX XXXX XXXX XXXX location to withdrawal money. On my last withdrawal transaction, the ATM machine did not dispense the {$400.00} I requested but still withdrew it from my account. XXXX has been called and the dispute has been escalated. Chime Mobile Banking also has denied my dispute and when I asked them for the specific documentation used to make the decision to deny my dispute, they would not.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: U.S. BANCORP (MO)

XX/XX/XXXX, US Bank denied my business a line of credit, business credit card increase, and equipment loan. I called my local branch to see why I was denied. I spoke with XXXX XXXX, multiple times. She brought XXXX in on the conversation. 

I had a meeting with XXXX XXXX on Wednesday, XX/XX/XXXX at XXXX. She ran my credit on XX/XX/XXXX ( second time ). 

XXXX said the underwriter declined my request due to bankruptcy in XXXX. 

This is the second time, within XXXX  months, I have been declined credit from US Bank. XX/XX/XXXX, I was denied a personal credit card. I came into the branch asking why because I know my score and credit history. The bank representative stated my score was above XXXX and my history was good and didn't understand why I was denied. She spoke with underwriters, and a few days later, I was approved for a personal credit card. 

Somehow, US Bank sent a Cash Flow Manager email with {$12000.00} XXXX  Loan in my previous business name. I never applied for a XXXX Loan in XXXX. 

I spoke with US BANK XXXX Customer Service they said they could not see what happened and that I would need to go into the branch. I called again. I spoke with XXXX. I was on the phone with XXXX for XXXX minutes. XXXX also said he looked at my business account and did not understand why I was denied. I left my information and time for his manager to call me back, but he never called me. 

I spoke with XXXX. XXXX said US Bank has reported " Paid as agreed, '' not " Poor credit performance with U.S. Bank '' US Bank approved me for a Business Credit a couple of years ago, so how could a bankruptcy from XXXX hurt me?
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc (MI)

XXXX Complaint # Attached from, Affirm LLC . Affirm has refused to honor their contractual obligations agreement in my rights of privacy under The privacy Act of 1974. The company has refused in writing to not honor my opt out attached to the recent dispute submitted on XXXX. The company has violated their terms and conditions and privacy policy, which should indicate that Eye have the rights to opt out of this company at any time. Affirm has provided their response by adding non- public transactions on the CFBP claim, continuing to violate the rights of privacy. Affirm has provided an email which stated that they sent an Affidavit, this specific Affidavit was never received. Affirm still disregards the fact that Eye choose to opt out of any consent that Eye may have given you. Affirm does not have Authorization to report to my consumer report as they have breached their contractual agreement with me by reporting without sending me any disclosures giving Affirm consent to report. This account is reporting as a collection account yet According to the FCRA a consumer shall receive a notice of the collection and the consumer has within 30 days to validate the debt. Affirm has not sent any notice of the collection account, but continues to report to my consumer report. This is improper use of my consumer report. Affirm does not have permission to report to any of my consumer reports. As breach of my privacy rights carry several violations per the FCRA each of 1,000XXXX
Consumer complaint received 2024-01-29
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

I am writing to formally dispute several items on my credit report that I believe were reported in violation of 15 U.S. Code 1692j, which prohibits " furnishing certain deceptive forms ''. I'd like to bring your attention to the case XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX ), where the court held that credit reporting agencies must avoid reporting information in a manner that creates a materially misleading impression. 
Given the precedent set by this case, I kindly request the removal of these accounts from my credit report or its update to reflect a neutral or positive status. Doing so would ensure that my credit report is a fair and accurate representation of my credit history. Below are the refenced accounts that need to be updated to reflect positive and or removed from my credit report. Specifically, the following items on my report are disputed in attached document. According to 15 U.S. Code 1692j, it is unlawful to design, compile, and furnish any form knowing that such form would create a false belief in a consumer that a person is a creditor of the consumer or represents a creditor of the consumer, among other prohibited actions.
Consumer complaint received 2024-01-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX Account Number XXXX According to my credit report, XXXX XXXXXXXX XXXX has filed a charge-off in the amount of {$5200.00}. In light of this, I am writing to express my concern about the lack of proper documentation associated with this charge-off and to bring to your attention a potential violation of the Fair Credit Reporting Act ( FCRA ). 

As per my understanding of IRS regulations, when a creditor charges off an amount owed by a customer, it is required to issue a Form 1099-C to the debtor. This form is crucial for accurate reporting of income and compliance with tax regulations. To date, I have not received any such form from XXXX XXXX XXXX, and I am concerned about the potential repercussions of not having the necessary documentation for tax purposes. 

Moreover, I believe that the lack of documentation from XXXX XXXX XXXX may constitute a violation of the Fair Credit Reporting Act. The FCRA mandates that accurate and complete information be reported by creditors, and failure to provide essential documentation may result in inaccurate reporting on my credit file. 

In light of the above, I kindly request that you investigate the matter and ensure that XXXX XXXX XXXX provides the necessary documentation, including a Form 1099-C, related to the charge-off on my credit report. I am seeking clarity on the validity of this charge-off and require the proper documentation to fulfill my tax obligations. 

Please provide me with updates on the status of your investigation and any steps taken to rectify this matter. Your prompt attention to this request is greatly appreciated, and I trust that you will take the necessary measures to ensure compliance with the FCRA.
Consumer complaint received 2024-01-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Law Offices of Mitchell D. Bluhm & Associates (FL)

In Violation of The Medical Debt Relief Act 2023, a " Statement : Placed for Collection '' With Credit Bureaus & My Credit Report, by MBA LAW Other Collection Agencies. 

The MBA LAW Other Collection Agencies, LAW OFFICE OF MITCHELL D. BLUHM and XXXX XXXX XXXX, XXXX TX XXXX, violated Section 2., Amendments Section 603 of the Fair Credit Reporting Act ( 15 U.S.C . 1681a ) and Section 605 ( a ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681c ( a ), The Medical Debt Relief Act of 2023 prohibits the inclusion of medical debt on a consumer report, and for other purposes.

SEC. 2. AMENDMENTS TO FAIR CREDIT REPORTING ACT. 
( a ) MEDICAL DEBT DEFINED.Section 603 of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ) is amended by adding at the end the following : ( bb ) MEDICAL DEBT.The term medical debt means a debt related to, in whole or in part, transactions, accounts, or balances arising from the receipt of medical services, products, or devices.. 

( b ) EXCLUSION FOR MEDICAL DEBT.Section 605 ( a ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681c ( a ) ) is amended by adding at the end the following : ( 9 ) Any adverse information related to a medical debt, including a medical debt that was placed for collec- tion, charged to profit or loss, or subjected to any similar action.. 

( a ) DEFINITIONS.In this section, the terms cred- it and creditor have the meanings given those terms in section 702 of the Equal Credit Opportunity Act ( 15 U.S.C . 1691a ). 
( b ) REQUIREMENT.Not later than 1 year after the date of enactment of this Act, the Director of the Bureau of Consumer Financial Protection shall amend section 1022.30 of title 12, Code of Federal Regulations, or any successor regulation, to ensure that creditors are prohibited from obtaining or using information relating to the medical debt of a consumer in determining whether or not to extend credit to that consumer.Consumer