davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

XX/XX/year> my rent payment drafted {$1800.00} leaving me with XXXX XXXX XXXX XXXX XXXXXX/XX/year> they returned my rent payment of {$1800.00} leaving my account balance of {$1800.00}. This cost me money and accrued me {$120.00} in fees from my landlord. 

I called Bank of America and was told if I submitted an invoice they would look into reimbursing me, when I called again to submit said invoice, I was told I was misinformed and my account did have insufficient funds and they would not be reimbursing me. 

Bank of America is returning payment because theyre too scared to charge over draft fees since they were fined.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (FL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : 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 XX/XX/XXXX - INQUIRIES/XXXX XXXX XX/XX/XXXX - INQUIRIES/XXXX XXXX  XX/XX/XXXX - INQUIRIES/XXXX
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (CA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the XXXX XXXX and the XXXX reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer XXXX exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2024-09-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (NC)

So I am getting help from XXXX XXXX with my credit card debts at least for now. 

Citibank calls me about 14 times a week, we are at 9 times already this week since Monday XX/XX/year>. They call me about 2-3 times a day. 

I know that this is a violation of the Fair Debt Collection Act- which is 7 times a week
Consumer complaint received 2024-08-25
Product: Credit reporting 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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am reporting a fraudulent inquiries found in my credit report
Consumer complaint received 2024-09-12
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: Spring Oaks Capital, LLC (TX)

After the dispute investigation every account in collections shows open, past due and reflects past due balances. I also show one account was deleted however I dont know which account and during the dispute process XXXX has been sending collection mail, emails or text messages. 
I need a thorough investigation and validation from the buyer not previous statements of the old debt.
Consumer complaint received 2024-09-12
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Harris & Harris, Ltd. (KS)

I have received several text messages from Harris and Harris collection agency about a claim by The government of XXXX XXXXXXXX That my son owes {$60.00}. Sounds fishy to me. Heres the text. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX for The Government of XXXX XXXX. Balance : {$60.00} To Pay : XXXX XXXX XXXX XXXX XXXX XXXX Reply STOP to stop
Consumer complaint received 2024-09-17
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc. (OH)

My loans for XXXX XXXX college started in XXXX where I made payments to XXXX in the amount of {$9100.00}. The loan was then transferred to XXXX in XX/XX/XXXX. I paid {$24000.00} until XX/XX/XXXX. The loan was then transferred to XXXX where I made payments totaling approximately {$9300.00}. Now my loan is being handled by AidVantage and now exceed {$81000.00}. I was told all my payments were only applied to interest. My loans went from {$65000.00} to over {$81000.00}. No one has told me why no principal was ever applied. XXXX had given me no answers as to why my payments are only interest and neither has AidVantage. I really can not afford the payments they have established for me as I am XXXX XXXX XXXX, retired, a veteran, and living off of XXXX XXXX. I have already almost depleted my XXXX to nothing. Actually, I made a few payments to AidVantage.I have decided that until I get an answer as to why my loans never went down, I am not going to pay anything.
Consumer complaint received 2024-09-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: AMERICAN HONDA FINANCE CORP (VA)

Subject : Urgent Request for Investigation into Misleading Financing Practices and XXXX XXXX XXXX Dear Sir/Madam , I am writing to bring your attention to troubling issues regarding my vehicle purchase at XXXX Honda XXXX XXXX particularly surrounding the dealerships misleading practices concerning both financing and the subsequent cancellation of my XXXX XXXX  ( Vehicle VIN : XXXX ). 

While the initial issue centered on the unexpected cancellation of my XXXX XXXX, which was automatically canceled following a refinancing, it has become clear that the situation extends beyond just this. During the sales process, the dealerships finance director advised me to forego a down payment and opt for XXXX down, even though I had cash available. I was assured that this was in my best financial interest, and that refinancing later would secure me a better interest rate. However, I now understand that this advice was not in my favor and appears to have been influenced by the dealerships pursuit of higher commissions or kickbacks from financing deals. 

What makes this more concerning is that when I tried to address this with the finance director, he denied having advised me to save the XXXX XXXX XXXX with XXXX down, despite this being a pivotal point in our face-to-face conversation. Unfortunately, since this conversation was not recorded, I can not definitively prove it, but the dealerships lack of transparency and responsibility post-sale speaks volumes. 

In light of these concerns, I strongly believe that this is not an isolated incident and may be a tactic used to take advantage of inexperienced customers, such as myself, or new immigrants unfamiliar with the process of car financing. To verify this, I recommend that investigative authorities consider sending a mystery shopper, posing as a new or inexperienced buyer, to observe firsthand how this dealership operates and whether customers are similarly misled into unfavorable financial decisions for the dealerships benefit. 

This situation has not only caused me financial strain, but has also eroded my trust in the dealership and the Honda brand. My hope is that a thorough investigation into these practices can help prevent other customers from experiencing the same level of frustration and financial harm. 

I have attached email correspondence that highlights the dealerships refusal to take accountability, as well as the lack of resolution regarding the XXXX XXXX  refund, which could have easily been addressed by the dealership submitting a formal request to the insurance provider. Despite my efforts to resolve these issues amicably, it is clear that further action is necessary. 

I trust that your agency will take this matter seriously, and I am hopeful that appropriate steps will be taken to investigate and address these issues. Thank you for your attention, and I look forward to your response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-07
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (NC)

In XX/XX/XXXX, I discovered that purchases were made in XXXX that I was not aware of. I pay this card off as soon as I use it and therefore did not make any payments in XXXX because I did not use it. 
I spoke with an agent. We reported a fraud report, canceled the card, and the owed amount was brought back to XXXX. 
They still have it on my credit report. I disputed it and it is still on the report. 
I need this fraud record off my report please. 
Thank you
Consumer complaint received 2024-09-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (AZ)

A dispute was sent to XXXX XXXXXXXX XXXX XXXX The correct information was not provided in the letter sent back to me XXXX XXXX XXXX XXXX failed to request arbitration as stated they should in original contract XXXX XXXX took me to court before providing documents requested, wasted my time and was late to mediation XXXX XXXX  continues to harass and take advantage of my time with endless calls to my telephone even as we are in court settling disputes
Consumer complaint received 2024-09-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Skrill USA, Inc. (CA)

On XXXX, I tried to send my sister {$100.00} through Skrill, and Skrill immediately locked my account without explanation. It's been 14 days since my account was locked, and I still haven't received ANY explanation as to why they're holding on to my money. I've emailed and called numerous times, and each time, the agent says it's just routine procedure, and Skrill will unlock my account whenever they get around to reviewing it. That is neither a satisfactory nor professional explanation for why they're holding my money hostage for weeks. 

For context, I opened this account back in XXXX and had already deposited a few XXXX dollars with no issue. However, this was the FIRST time I ever tried to access my money ( via sending money to my sister ), and Skrill immediately locks my account for weeks. Skrill seems glad to take my money, but when I try to use that money, Skrill seemingly refuses to give it back.
Consumer complaint received 2024-09-18
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (OR)

I was appointed PR of my late brother 's estate in XX/XX/XXXX. I opened bank account for the estate with Wells Fargo Bank, NA on XX/XX/XXXX and deposited over {$50000.00} into estate cking account. The estate ran it's course and over the course of the following months I issued checks to people owed from the estate and once the court approved the final closing documents they instructed me to disburse the money in accordance to my brother 's Will to the various beneficiaires which I did. This XXXX  out the bank account leaving a XXXX balance. In XX/XX/XXXX I received an email from Wells Fargo Bank advising me that they had closed the account due to no activity for 60 days. I was never notified by the bank PRIOR to them closing the account only after it was closed. My brother 's Oregon tax returned was recently received and the ck was issued to the Estate of XXXX XXXX XXXX Since the ck issued to estate Wells Fargo refusing to allow me to deposit it in my personal bank account and to issue payment to the various beneficiaire in accordance to the Will. They said the only option would be for all beneficiairies to present at the bank with me to deposit the ck in my account as this is impossible as the beneficiaires are spread all across the USA. I have been working with the bank manage regarding this problem but her hands are tied. Legal refusing to all me to deposit ck even if I provide bank with signed receipts for each and every one of the beneficiaires stating they received their portion of the tax return. Only option is to return ck to Oregon Dept of Revenue and we lose out by receiving the money. Wells Fargo should have never closed acct without first cking with me as the PR of estate by call or letter. They closed acct without even talking to me and if they would have talked to me first this would all be a moot issue Estate of XXXX XXXX XXXX cking account no. XXXX XXXX Wells Fargo Bank XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXXXXXX, Oregon I do not have access to the text message they sent me in XX/XX/XXXXXXXX XXXX  and the other information you will need is noted above. Let me know if you have questions regarding this.
Consumer complaint received 2024-09-13
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SOFI TECHNOLOGIES, INC. (CA)

I was the victim of identity theft. This is a formal dispute to support my position and claim. 
Below is the information you need to remove or block this account from my report. Also, this account is knowingly and willingly committing aggravated identity theft to collect on an extension of credit and punish me for non-repayment thereof through the credit reporting agencies. 

SOFI BANK, NATIONAL XXXX
Consumer complaint received 2024-09-18
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SOP Pioneer Partners LP (LA)

I applied for XXXX benefits with the personal loan I pulled with Pioneer Military Credit and they will not honor the Louisiana clause for XXXX  which approves of XXXX benefits for any loans or credit from prop to XXXX XXXX and any gained during XXXX XXXX because they say its just for goods and services. I have pointed out in XXXX other emails that the law on Louisiana federal website says ANY CREDITOR and is not limited to just goods and services must honor the XXXX if shown XXXX XXXX orders showing XXXX XXXX status in Louisiana which I have. They then just repeated their last email with no proof stating its just for goods and services and stated they will not reply further with my request. And if they dont honor this, then they should be allowed to say they are pro military lenders if they are giving atrocious interest rates without honoring XXXX XXXX and benefits specifically to help XXXX XXXX members.
Consumer complaint received 2024-09-06
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I was sent an email from Capital one credit card that I opened an account at XXXX on XX/XX/2024. I also received an email from XXXX XXXX, notifying me of a hard hit on my credit and a new open credit card. I called Capital One and they started an investigation and said the card will be fraudulent. I froze my XXXX, XXXX, XXXX credit accounts. 
Theres only two ways someone could have gotten my information, I ordered from XXXX and I applied to a job through XXXX XXXX, which I have since requested my information be deleted from their system.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (WA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-08-25
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. (LA)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumers 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 XXXXXX/XX/XXXX has violated my rights. 



15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604 A. Section 2 : it 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 items 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 2024-09-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (NC)

Recently I checked my credit and noticed I have a collection agency named LVNV Funding negatively reporting that I owe them money. I've made several attempts to receive validation that the debt in question belongs to me. My credit reports states that there was an account opened with them on XXXX XXXX in the amount of {$640.00} that is being reported as derogatory. 

The information reported by LVNV Funding is inaccurate and does not reflect my financial obligations. There is no evidence of any transactions or agreements with this company. By reporting an unverified and invalid debt to the credit bureaus, LVNV Funding has violated my rights under the FCRA. This false information has harmed my credit standing and caused unnecessary stress. LVNV Funding has not provided sufficient or valid proof of the debt, despite my request for validation under the Fair Credit and Reporting Act. Without proper validation, the reporting of this debt is unlawful and misleading. There is no documentation or contract that would authorize them to report a collection account.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions 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.

and list of Inquiries. 

XXXX XXXX XXXX XXXX XXXX 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 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (CA)

Lexis Nexis claimed to have permanently removed a public record from my report per their policy ( see attached letter ). For some reason, XXXX verified this account as accurate, meaning Lexis Nexis confirmed it to be accurate. This account is inaccurate and incomplete. It should be permanently deleted from the report and not furnished to any consumer reporting agency.