davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I was one of the millions whose personal information was stolen from creditors databases, leaving me vulnerable to identity theft. Compounding this issue, major creditors like XXXX  and Bank of America reported inaccurate information on my credit report without proper verification. This has created significant challenges in addressing my credit status and has made it difficult to regain control over my financial well-being.
Consumer complaint received 2024-09-17
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (AL)

I went to Wells Fargo in XXXX XXXX XXXX Al, XXXX almost a year ago & opened a CD but clearly asked my CD money be deposited in my Money market account after expiration date, like in other banks ( XXXX, .. ) but agent did not know how to do that. He promised me to look into it & find a way. I did not hear from him, I left messages but when it expired bank renewed the CD & lowered the interest rate to half rate without informing me about cutting the rate. Then I get an ad email from well F they are offering 4.75 % to people while a XXXX XXXX XXXX customer like me is getting 2 %. It is stealing money & not fair. I cant even touch the money without penalty now. I think all Banks should give customers the option for automatic transfer to CD money to a checking or MM account if that is what the customer wishes. I think Wells Fargo purposely does not want that rule so it can freeze & use ( elderly or busy ) peoples money at a cheap rate very conveniently.
Consumer complaint received 2016-08-03
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: CORELOGIC INC (NY)

XXXX XXXX, 2016 Credco ran a inqury with XXXX. I have wrote to the company and the credit agency. 
I have demanded them to send me a original sighed contracted that I granted them permissible purpose to view my credit .I DID NOT authorize this inqury!!!!!!!!!!! I am getting the run a round. They had no permissible purpose for placing this inquiry on my credit report. I have been demanding them to remove their inqury.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Re : Account # XXXX ( Alleged Amount Owed {$1000.00} ) & XXXX ( Alleged amount owed {$630.00} ) I am writing to file a formal complaint against Portfolio Recovery Associates for egregious violations of my consumer rights, as protected by the Consumer Financial Protection Act. It has come to my attention that Portfolio Recovery Associates placed a collection account on my consumer file without issuing the requisite notice and without notifying me of my right to dispute this alleged debt. The amount listed is wrong needs to be removed because it violates FCRA because it is inaccurate. How can I owe them XXXX different amounts on the same account for the same debt?
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc. (IN)

15 U.S. Code 1692c ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after 8 oclock antemeridian and before 9 oclock postmeridian, local time at the consumers location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or ( 3 ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Notice of Intent to Sue for Willful Non-Compliance under 15 U.S.C. 1681n Dear, Credit Karma, XXXX I am writing to formally notify you of my intent to take legal action against your company for willful non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681n. 

On XX/XX/year>, it has come to my attention that your company 's disclosing negative remarks on your platform did not give your company written consent. specific actions or omissions that constitute willful non-compliance, e.g., failure to provide accurate consumer information, unauthorized access to consumer reports, etc. ]. Such actions are in direct violation of the FCRA and demonstrate a disregard for the legal obligations set forth under this law. 

Under 15 U.S.C. 1681n, individuals who are subject to willful non-compliance may be liable for damages, including but not limited to : - Actual damages - Statutory damages of not less than {$100.00} and not more than {$1000.00} - Punitive damages - Attorney 's fees and costs As such, I demand that your Company take immediate corrective actions to remedy this violation and provide a written/ email response addressing the steps taken to ensure compliance with the FCRA . If I do not receive a satisfactory response within a time frame, e.g., XXXX  days, I will proceed with legal action to seek appropriate remedies for the damages incurred. 

Please consider this letter as an opportunity to resolve this matter amicably before escalating to litigation. I hope we can come to a satisfactory resolution. 

Thank you for your immediate attention to this serious issue. I look forward to your prompt response. 

Sincerely,
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Marlette Funding, LLC (OH)

On XX/XX/year> Best Egg accessed my credit without my consent or a permissible purpose under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b.

I did not initiate any transaction or relationship with Best Egg that would give them lawful access to my credit report. Under the FCRA, companies may only access credit reports for specific purposes, such as when a consumer applies for credit, or when there is a legitimate business need initiated by the consumer. This unauthorized soft inquiry, while not directly affecting my credit score, is an unlawful invasion of my privacy and an infringement on my rights as a consumer under federal law. 

This unauthorized inquiry poses a risk to my personal and financial security, as it involved access to sensitive information. Best Egg willful violation of the FCRA reflects negligence and disregard for consumer rights. Under the FCRA, I am entitled to statutory damages for this violation, even if no direct financial hard occurred, as the law prioritizes consumer privacy and security. 

Relevant Laws : - 15 U.S.C. 1681b ( FCRA ) : Limits access to consumer 's credit report to specific permissible purposes- 15 U.S.C. 1681n : Entitles consumers to statutory damages of up to {$1000.00} for willful non-compliance with the FCRA, even if no actual damage occurs.

Requested Remedy : I request the CFPB 's assistance in ensuring that Best Egg 1. Ceases any unauthorized access to my credit report in the future.

2. Pays statutory damages of {$1000.00} for violating my rights under the Fair Credit Reporting Act ( FCRA ) XXXX. Takes steps to prevent future unauthorized credit inquiries from occurring.
Consumer complaint received 2024-09-17
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: Marlette Funding, LLC (NJ)

XXXX XXXX dollars was provided by Best Egg XX/XX/XXXX, the money was transferred to the company that provided me the loan XXXX XXXX  XX/XX/XXXX, then I started paying BestEggXXXX {$430.00} a month starting around XX/XX/XXXX for approximately XXXX months. 

The service was cut off after I requested a refund from their partner company XXXX XXXX 

I reached out to Best Egg told them the situation and they said I still have to pay the loan. 

They also reported it to my credit report. 

I am not paying for a loan when I'm not getting the service.
Consumer complaint received 2024-09-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (TN)

I have several credit card accounts with Citibank. Each month I pay all balances in full. In XX/XX/XXXX when I was making my credit card payment due in XXXX on the Citibank web site, I set up autopayment on these credit card accounts. This autopayment was to have the amount due each month automatically taken from my checking account. I was concerned that since I had manually indicated a payment was to be made and then also requested autopayment in the future that I might have my bill paid twice in XXXX. In light of this I visited the Citibank web site on XX/XX/XXXX and saw where the web site indicated I had a manually placed credit card payment of {$5900.00} and an autopayment amount of {$0.00}. To verify that this was how this would actually work, I called Citibank. The representative reviewed the account and indicated that the {$0.00} autopay was correct since the other payment was already in place. I asked if I should cancel the manual payment and was advised that this was not necessary and everything would process as intended -- with my just being charged one time for the account balance. In fact, that is not what happened. On XX/XX/XXXX my payment of {$5900.00} went through and then an autopayment of {$5900.00} was also posted. This resulted in my credit card having a substantial positive balance due to the overpayment. More troubling, my checking account went into an overdraft situation. I called Citibank regarding this problem and they indicated that there was nothing they could do. If someone will pull the recording of my call with the representative from XX/XX/XXXX, they will see that this is what the focus of that call was and that what I was told by the representative was not correct.
Consumer complaint received 2024-09-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MO)

I bank with XXXX and have used XXXX before and it worked fine. On XX/XX/XXXX I sold an item and the buyer sent me {$1000.00} via XXXX thru USAA. At first it was pending and then all the sudden it was rejected. Ive called 15+ times and received the same answers every time. It has been 22 days since this happened and still no resolution. My bank is stating that it was rejected and his bank is stating that its sent and that i received the funds. They even closed multiple disputes by him. And of course XXXX  just tells me they can not do anything about it because I use XXXX  thru my bank. 


XXXX XXXX XXXX - XXXX
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DriveTime (CA)

What happened : 1. Improper Repossession : DriveTimeXXXX XXXX XXXX follow the legal requirements for repossession. I did not receive proper notice of my right to cure the default before the vehicle was repossessed. Additionally, after repossession, I did not receive notification regarding the sale of the vehicle, including any opportunity for me to redeem the vehicle or reclaim it, as required by law. There is also no evidence that the sale was conducted in a commercially reasonable manner. 
2. Inaccurate Credit Reporting : DriveTimeXXXX has XXXXontinued to inaccurately report the repossession on my credit report. This is a violation of 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), which requires credit information to be reported with maximum accuracy. The details regarding the repossession and any balances are incorrect, and I believe DriveTimeXXXX is reporting these without proper verification.
Consumer complaint received 2024-09-17
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Unexpected fees — 
Company: DailyPay, Inc (IL)

Of the XXXX of my direct deposit that I was supposed to receive on XXXX I received only XXXX. When I contacted the company they had informed that my account was closed without my authorization and that because it was closed, I wouldn't be receiving my last two paychecks from my employer XXXX XXXX, as of today XXXX. Also, within the month I have been working with the employer I have not once received a paystub. I was also informed by XXXX XXXX yesterday XXXX  that they had no clue where my direct deposit was and that once I figured out where it was to contact them. So, I would like to know where the rest of my XXXX paycheck is and whether or not I will be receiving my next paycheck on XXXX
Consumer complaint received 2024-09-17
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

This creditor has not updated my credit report the way it's suppose to be, I informed them back in XX/XX/year> that they were reporting my account wrong. They have multiple charge offs till this day of XXXX. I informed them charge offs are a one time thing not multiple and they are still reporting it MONTHLY.

I am writing to dispute information on my credit report and to address a potential violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692e. I have identified an issue with the reporting of multiple charge-offs for the same account, which I believe may be misleading or inaccurate. 

Creditor Name : USAA SAVINGS BANK Account Number : XXXX Nature of Dispute : Multiple charge-off entries My credit report shows multiple charge-off entries for the same account. Account Number XXXX is listed as charged-off by Creditor USAA SAVINGS BANK on [ XXXX XXXX XXXX ] and then again by USAA SAVINGS BANK [ XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX ]. ]. This appears to be misleading as it falsely represents the account status and may unfairly impact my credit score. 


I request a removal of the multiple charge-offs reporting and the removal of account as to you have violated my rights multiple times! It is not only inaccurate but also a potential violation of the FDCPA. 

I understand that under the FCRA and FDCPA, you are required to conduct a thorough investigation and resolve disputes within 30 days. I would appreciate written confirmation of the resolution once this matter has been addressed. 

Below I will attatch the information and proof you are currently and always have reported this account inaccurate! 

Thank you for your prompt attention to this issue. 

I do give consent for this investigation to be completed!
Consumer complaint received 2016-12-06
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied.
Consumer complaint received 2024-09-23
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance, LLC. (MO)

This isn't a request for " verification '' or proof of my mailing address, but request for Validation made pursuant to the fair debt collection practice act 15 U.S.C. s 1692g.

-Date of last activity -My full, complete and correct social security number that may help to identify me as the correct person.

-Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor.

-The obligation between you and I that allows you too collect on the alleged debt and any transaction between your company that binds me to an agreement to pay your company any money that you claim I owe.

-Letter of sale or assignment from the original creditor to your company.

-Under FDCPA section 809 ( b ) you are not allowed to pursue collection activity until theses debts is validated. You should note this not a request for " partial '' validation but rather, a request for everything listed here in order to constitute full and sufficient validation of theses debts.
Consumer complaint received 2017-03-23
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SANTANDER BANCORP (PR)

Unlike in the US, about 90 % of the customers that have mortgages do not bring a hazard insurance policy to the closing, thus the bank affiliate place the hazard insurance. Last XXXX an insurance company started offering a policy directly to the client offering a 20 % cash back if there were no claims on the hazard policy. A lot of clients have decided to purchase this policy. However since the hazard policy is paid from the escrow account, altough the client has chosen the new policy, Banco Santander Puerto Rico has declined to follow the clients order. And instead of paying the policy chosen by the client, they pay the policy that they had on file, which most of the time is to their insurance affiliate. The order of the client is signed electronically with the e-sign program. The bank excuse for not paying the policy is that they are waiting from their legal derpartment to see if they can accept the electronic signature. Since XXXX Banco Santander has said theat they are waiting from the legal department. We are now in XXXX and they are still providing the same excuse. Meanwhile Banco Santander is using the money in the escrow to pay their subsidiary and not paying the policy chosen be the client, thus depriving the customer of getting the 20 % cash back.
Consumer complaint received 2024-09-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Goal Structured Solutions, LLC (NC)

In XX/XX/XXXX, I made a regrettable decision as a reckless teenager who believed she was in love. The individual I was involved with, XXXX XXXX, intended to enroll in XXXX courses at XXXX XXXX XXXX. He required my assistance due to his insufficient credit history to finance the expenses. In a moment of poor judgment, I co-signed the loan, hoping he would successfully complete his education and secure employment to repay the debt. Regrettably, the situation unfolded differently. He withdrew from the program, and we subsequently ended our relationship. Following our breakup, he faced difficulties in making payments, as he has demonstrated a lack of financial responsibility. Although he began to make some payments, in XX/XX/XXXX, he was involved in a serious car accident, resulting in him being in and out of a coma. The last update I received indicated that he remains in a coma. His grandmother, XXXX XXXX, who has played a significant role in his life, initially covered the loan payments but has since changed her position. She can be reached at XXXX. Consequently, the responsibility for the payments has fallen to me. I previously maintained an almost perfect credit score, nearing the XXXX, but this situation has caused a noticeable decline in my credit rating. To exacerbate matters, the lending company has been unresponsive to my emails and correspondence, including physical mail sent via XXXX. I am deeply distressed by this situation and am seeking assistance. The company continues to report negative marks on my credit account without engaging in any discussions regarding the matter. I require your support to resolve this issue and pursue legal action against the borrower for the financial burden I have incurred.
Consumer complaint received 2016-10-24
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Performant Financial Corporation (PR)

I take student loans for XXXX by XXXX. For health reasons, my payments was late. XXXX increase the loan amount of {$8.00} to {$12.00} for a period of XXXX years, when accept a deferment. Then, transfer the loan to Performant Recovery Inc . 
The monthly payment is being made through payroll discount and my employer makes payments monthly. In the Credit Bureau report this amount is continuous ascending balance and do not report the payments to credit bureau and my account is bad. The credit score monthly is low because Performant Recovery does not report payments received. Beetween XX/XX/2016 to present my XXXX Student Loan account balance Increase by $ 55 monthly from original balance and is not good to me and I afected my Credit.