davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

XXXX XXXX, the resolution complaint specialist, incharge of a complaint I had made against the XXXX, XXXX WA location did not apply pertinent details of the situation to base his final decision off of. I know he is aware of those pertinent details I am referring too because I have a copy of the phone conversation I had with him prior to his investigation, where we both discuss the details he has failed to apply to his decision making. He states in his determination letter that " After carefully reviewing the video footage, he determine that I only had provided the teller with 1 form of ID, my passport, to cash a {$6000.00} check drawn from Bank Of America from a XXXX XXXX XXXX  vehicle manufacturer. What he has failed to mention, and was really the basis of the entire original complaint, was that the tellers REFUSED to let me provide then with any other form of ID, for which I had in my pocket a driver 's license and social security card. The tellers refused to accept anything but the physical debit card from Bank Of America or, " any other debit card another bank ''. The tellers were fully aware that the debit card from Bank Of America was still in the mail and they were aware of that because they were looking directly at my account pulled up on their computer. During my phone call with XXXX, he acknowledged that if the system requests another form of identification, there are several options to choose from and these tellers lied to me and insisted that the ONLY way they could cash my check was with the debit card they knew I did not have in my possession yet. This is why I feel like I was discriminated against by these women tellers based on my sex and profession. XXXX acknowledged in our phone call that the excuses given to me by the bank tellers was incorrect and my check should have been cashed. I have heard from 20 different customer care supervisors the same thing and the branch manager himself. He referenced the deposit agreement in his letter and said that I could find information regarding cash checking services required more then 1 peice of ID. I know that. I read my entire deposit agreement prior to my visit to the branch that day. That is why I brought more then one piece of ID. Bank of America does not accurately state anywhere pertinent information about their check cashing services and I believe that is pertinent information that consumers are not being provided with.
Consumer complaint received 2018-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AR)

In XX/XX/XXXX when I lost my job I got behind on my student loan at XXXX/XXXX. The loan then went into default. My loan was passed over to a collections loan company with the option that it could be repurchased by XXXX when I made 9 consecutive payments. I was also told that the XXXX late finding would be removed. I made the payments and then the loan went back to the regular lender. However the XXXX  late fee was never removed after many requests. Finally in XX/XX/XXXX the loan was consolidated by XXXX. However XXXX still will not remove the XXXX late fee. Recently, while checking my credit report I saw that XXXX XXXX has reactivated the loan and is saying that I owe {$13000.00} - although XXXX has purchased my loan at its in consolidation. How can my loan be in consolidation with XXXX AND owe {$13000.00} at the same time?
Consumer complaint received 2018-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL (WA)

We received our 6 month auto insurance bill on or about XX/XX/XXXX. We noticed it had increased from {$1000.00} to {$1300.00} in six months. In speaking with our Insurance Agent he referred us to someone who would research the issue for us. NOTE : We had had no accidents, citations or other negative events to affect the increase in our coverage. In speaking with this Insurance Rep. she said that a red flag was observed in that we had closed an account we had had for 34 years recently. I denied we had closed any old accounts for years. There was nothing they could do about it because of what they saw reported. They did not receive specifics, so I got my 3 credit reports. I saw that the long held account had in fact been closed in XX/XX/XXXX, however, this financial institution had made a report in XX/XX/XXXX on an account that had been closed in XX/XX/XXXX. I also saw that this same institution had made a report in XX/XX/XXXX on another account which had been closed in XX/XX/XXXX. These reports on long closed accounts have had negative impact on our finances by making unnecessary misleading reports which have caused our rating to go up for insurability.
Consumer complaint received 2023-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IL)

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. 

Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name:XXXX XXXX # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written 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 2023-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

BankAmericard Platinum Plus Mastercard Ending in XXXX XXXX  I have reason to believe that Bank of America is violating 15 U.S. Code 1666d ( A ) by failing to offset the balance of my credit account from consumer credit transactions made by this card.

15 U.S. Code 1666d states ; whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number. 

The balance of {$490.00} on my account is evidence that Bank of America has not took the necessary steps to offset the balance from consumer credit transactions on this card as listed in 15 U.S. Code 1666d.
Consumer complaint received 2023-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

This collection Account has violated my rights under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. 

Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is 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 ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I was never informed of my right to opt out of this information being reported to Equifax, XXXX, nor XXXX.
Consumer complaint received 2023-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

XXXX XXXX XXXX XXXX has illegally reported a total count of twenty-two late payments on my consumer report which is a violation of 15 USC 6802 for reporting transaction history aka nonpublic personal information.
Consumer complaint received 2023-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

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 XXXXXXXX # 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 2024-10-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

I am writing regarding the alleged debt you are attempting to collect. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g Sec. 809 ( b ), I dispute the validity of this debt in its entirety and request that you provide me with full validation of the same. 
Please provide the following information : 1. Proof that I am responsible for the debt : Documents demonstrating that I owe this debt.

2. Details of the debt : A detailed explanation of the amount owed, including a breakdown of all charges and payments applied.

3. Name and address of the original creditor : If this debt has been sold or transferred, I need to know the name and address of the original creditor.

4. Proof of your authority to collect this debt : Documents showing that your agency has the legal authority to collect this debt on behalf of the original creditor.
Consumer complaint received 2023-03-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (TX)

I am unable to send money from my account to my bank or reiceve any funds from anyone or any account and my cards either.. It started I went over my limit when I never set one and what it said on my account is that my limit is XXXX not XXXX so I want access to my funds cause it keeps doing this and I'm very dissatisfied with the way customer service is handling the situation with thru can't do anything about it can't give my information on what's going on I just want access to my funds because I have bills to pay I'm not blessed with money I'm grateful to get what I get and it's unfair that I can't access a misely XXXX did to an over limit that I did not achieve our come near. In result I would like some kind of restitution for all my troubles that I've had with my account and all the disputes I had to file because of all of the unauthorized transactions from hackers getting into my account. I love what cash app provided but I don't like all the risk I keep talking just to make sure my money is safe. Looks I mentioned in not matter of money now come from a family that does I scrape by with what I get and I hate to make a fuss but I worked to hard for my money just to go thru this stress and headache I've dealt with in the past couple of months.. my cash tag account in having problems with is $ XXXX. And I wasn't my funds transferred to my other cash app account I don't want to lose business with y'all I just want this fixed ASAP SENT FUNDS TO $ XXXX please thank you XXXX XXXX
Consumer complaint received 2023-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (NY)

According to Fair Credit Reporting Act, A consumer must provide WRITTEN CONSENT to any Credit Bureau for them to add any items to your credit report. I have not given any credit Bureau any consent to add any items to my credit report. This is called FRAUD and it is also ILLEGAL.
Consumer complaint received 2017-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (VA)

I received both email and snail mail from Citi Card saying if I applied for a credit card from them before certain date, and spent at least {$3000.00} within first 3 months of the opening the account. They would give me XXXX XXXX XXXX miles. On XX/XX/2017, I applied the credit card online and used the promotion code in the mail that they sent to me. I got approved immediately. I received a confirmation mail and the physical card about a week letter. I started to use the card. However, today ( XX/XX/XXXX ) I called Citi card, and I was shocked to learn that Citi Card said I am not eligible for the promotion they promised to me because I had a closed credit card account with them within last 24 months. They said this was noted in my account on the day that they approved my application ( XX/XX/XXXX ). I asked them to show me where I could locate that note, and I was told the note can only be seen on their side not my side. The lady I talked with on the phone whose name is XXXX admitted that Citi could emphases the 24-month condition in the email or snail mail they sent to me before my application or even after I received the card, they still could notify me this, but they did not. Unfortunately, I applied the card online and there was some disclosure online about this ( which I did not recall to read it at all ) when I did the online application, therefore they can not give me the XXXX miles. I really believe Citi Card intentionally misled me, had I read any information in the email/mail or online about that 24-month condition, I would have not applied for that credit card, nor had have used that card as much as I can to reach my {$3000.00}. They could emphases that I should spend {$3000.00} within first 3 months in the email/mail, why ca n't they put all the conditions together so that I could be fully clearly informed? How could they miss such information that is so important for me to help me to make my decision? As a big company like Citi, it seems they must have done a lot of same sneaky tricks to our customers before. And they must have received a lot of this kind of complaints. XXXX seemed did not care at all when I told her that I would file a complaint about them. And she seemed immediately found the way to tell me what was the reason that they would not give that promotion.
Consumer complaint received 2018-05-18
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: Optimum Outcomes, Inc. (TX)

I have been a victim of identity theft. This is particularly frustrating to me because I am a XXXX XXXX in the community and teach others about how to protect their identity. 
This happened several year ago and it has taken alot of time away from my family and I to try to rectify this. There are accounts that are not mine. Yes.  I have hired a lawyer here in Texas to contact these companies but the collection companies appear to be stubborn and actually I believe they are refurnishing the accounts or selling them off to other collection companies. I do need help and can certainly provide your institution a copy of my police report. I am grateful that our government has an oversight organization to help.
Consumer complaint received 2017-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

I received a copy of my 2017 credit file which is reflecting numerous deficiencies, I have attempted on numerous occasions to resolved these issues with the credit bureau and the creditors. I have asked for supporting documentation '' Proof of late payments '' ; verses hearsay of electric validation from the credit bureau and creditor. I am requesting a re-investigation of the following items listed below ; in additional to removed. These inaccurate data is affecting my credit history and score.
Consumer complaint received 2017-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

I received a copy of my XX/XX/XXXX credit file which is reflecting numerous deficiencies, I have attempted on numerous occasions to resolved these issues with the credit bureau and the creditors. I have asked for supporting documentation '' Proof of late payments '' ; verses hearsay of electric validation from the credit bureau and creditor. I am requesting a re-investigation of the following items listed below ; in additional to removed. These inaccurate data is affecting my credit history and score.
Consumer complaint received 2017-07-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (HI)

XXXX, My name is XXXX XXXX. I have been with Navient, I dont know how long my loans just seem to get passed around different companies over the years ( since XXXX ) only known via a new letter from a new company saying they are handling my loan. I have been working for and aiming to have my loans forgiven as I work for XXXX ( since XXXX ). I have had breaks but continue to maintain going full time college to complete my degrees and maintain my loans in Income Based Repayment. I have had different occasions in which I have called for assistance with my loans, such a time period of XXXX to XXXX where I was XXXX and withdrew from school to maintain IBR and requested to not be put in forebarence. I have recently learned that my account was in forebarence almost a year, and these months do not count towards my student loan forgiveness. I have made very clear to the multiple lenders who have serviced my loan what my intentions, expectations, and requests are regarding my loans. Navient has handled all of my student loans since XXXX. I have made contact and was informed by Navient customer service - '' oops, we shouldnt have done that if you requested it, but it only accured interest, we cant reverse that ''. I have multiple times requested that there be NO deferment put on on my account and I be in income based repayment while attending college f/t. I have spoken multiple times with Navient customer service who continue to tell me my account has been in deferment for over a year, however they will correct this ( three cust service reps said they will reverse this deferment since XXXX to XXXXXX/XX/XXXX). It is time for my annual IBR recertification, I received numerous emails telling me to login to Navient to complete this. I have logged in however as simple as the layout of the website is, there is no message or direction regarding my requests. I just called Navient for guidance and was assisted to the studentloan.gov site to complete annual re certification and she also informed me that my loans continue to be in deferment as I am in full time college. I once again, explained my intentions, expectation, and requests regarding the servicing of my loan. I have been working for XXXX and XXXX XXXX for numerous year. I have an expectations that my loan servicer is honoring my wishes in how they service my loan as my requests are within my right. I am utterly frustrated and overwhelmed with Navient attempts to hinder my progress in loan forgiveness and repayment affairs, in a manner that adds ridiculous amounts of interest where this too should not be. I will be absolutely devastated if all my months of public service are not counted towards my student loan forgiveness as explained and requested that Navient handle my loan in this manner. they have not been honoring my rights and seem to encourage my account to their financial benefit against my wishes. Sincerely, XXXX XXXX
Consumer complaint received 2017-10-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Protection Association, L.P. (FL)

Credit Protection Association has submitted and account for collections without proper notification or the ability to dispute the debt as valid. I never received anything in the mail from this account nor have do i recall ever utilizing this service. It is against FDCPA to report any information without following proper protocol therefore allowing the consumer the opportunity to dispute the debt or proper notification about the debt. In this case neither were done CPA just took it upon themselves to provide inaccurate unvalidated and unlawful information to the credit bureaus. In my case this information has been on file since XX/XX/2014 and has been reported unlawfully for over 3 years.