davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-08
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: AMERICAN HONDA FINANCE CORP (CA)

My 36 month lease of an Acura XXXX XXXX was set to expire on XX/XX/XXXX. 
I will point out I was a loyal and longtime customer of American Honda Finance Corp dba Acura Financial since XXXX and having leased XXXX Acura vehicles prior to the XXXX XXXX, I did missed a couple of lease payments since I got XXXX XXXX XXXX at the beginning of XXXX, and I also spent more than a month accompanying my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Then on or about XX/XX/XXXX, I requested a lease extension over the phone with the Acura Lease Maturity Center, and my request was denied. I also requested the lease extension again in writing on or about XX/XX/XXXX, but I never received an official response. I will point out that Honda Finance/Acura Financial reported the lease term as 42 months to XXXXXXXX credit reporting agency XXXX and also around XX/XX/XXXX, the lease term is shown as 42 months on my Acura Financial Services online account. And on Saturday, XX/XX/XXXX, I attempted to sell the vehicle, Acura XXXX XXXX, to XXXX XXXX, but I was unable to complete the transaction since the Acura Lease Maturity office was closed. Regardless, I should have been allowed to sell the vehicle prior to returning the vehicle on XX/XX/XXXX, given that a Lease Extension occurred in some form as I have described and noted above.
Consumer complaint received 2024-09-09
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (NJ)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. AMERICAN EXPRESS XXXX
Consumer complaint received 2024-09-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Advantage Credit, Inc. (VA)

Advantage credit ran my credit without my approval on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Inquiries on XXXX XXXX XXXX  
All r fraudulent please remove
Consumer complaint received 2024-09-09
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (FL)

Last month I noticed a charge of XXXX cents charge on my Synchrony Rooms to Go card. Today, I received my statement and again, there is another XXXX cent charged. They called it the PAPER STATEMENT FEE. I am requesting that every XXXX taken/stolen from my account be replaced. Why do these multi XXXX dollar companies remain a parasite to consumers?
Consumer complaint received 2024-09-09
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Americas Car-Mart, Inc. (AL)

XXXX XXXX XXXX XXXX  I wrote you all on XX/XX/year>. I requested a few documents because you are reporting to the credit bureaus that I owe you all {$660.00}. I want to know where this number is coming from. Please provide me with documentation that shows how this balance was calculated. By now, you should have had enough time to get this out of your files. It's been since XXXX when I wrote you, but still no proof or any type of communication. Maybe my letter got lost. Please provide me with : The original retail sales installment contract Calculation for deficiency balance Repossession notice ( with certified mail tracking slip ) I am attaching the letter I sent you all for proof
Consumer complaint received 2024-09-09
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NC)

XXXX XXXX XXXX Mon, XX/XX/XXXX, XXXX ( XXXX  days ago ) to XXXX, XXXX, XXXX XXXX PM, XXXX, XXXX, XXXX, XXXX This matter is going to become serious if I don't see the appropriate relief from this collection forthwith. I don't owe XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX but I do have some very strong complaint letters to send and file up with lawsuits pursuant to G.S. if we can't remove this collection immediately. 

I've provided documentation that states XXXX XXXX did not have the signed move out form with the correct date which would have had me owing a balance of XXXX. 

I left this property due to grossly unsafe conditions orchestrated in some part rather actively or passively by XXXX XXXX XXXX and XXXX XXXX at XXXX trailwood. 

They could be civilly and criminally responsible for physical and mental damages to my health while at the property and severe financial loss. 

The thought that I'd ever pay XXXX XXXX  a penny or what they let happen to me at XXXX XXXX is the most demonic sick thing I can think of and the fact XXXX can sleep at night is proof XXXX will not be hot enough for some people. 

I want this off my credit forthwith or we are all going to go to court with a story for the ages and I'm going to leave with big checks and pursue criminal charges. 

respectfully, XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX  # I am filing a formal complaint against all parties but this should be simple for XXXX XXXX They don't have a required signed move out letter because XXXX won't release it. Therefore they have no debt. I have fled a complaint with their NMLS, the CFPB, and have made the credit bureau 's aware this debt is invalit. 

You are preventing housing for someone with a XXXX and I'm tired of it. At this point I'll pursue this in every legal way I can starting with criminal complaints to XXXX Police and the Federal Bureau of Investigation if I can not get this removed from XXXX XXXX and XXXX XXXX. 

XXXX XXXX XXXX
Consumer complaint received 2024-09-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

I was contacted by a gentleman impersonating a job recruiter for XXXX. He offered me a job as a medical coder ( XXXX ). He took the time to go back and forth with me. He even sent me interview screening questions and finally got back to me and said out of all the candidates I was chosen. He even sent me an offer of employment letter which I had to sign and send back. He then told me they would send me a check so I could purchase my workstation directly from their vendor. He instructed me to download my mobile banking app and deposit the check through the app and as soon as it went through to contact him via XXXX chat because that would be our way of communicating since I would be working remotely, and he would be my supervisor I would be checking in with him daily for my work assignment. Once I deposited the check in the amount of {$7300.00}, He instructed me to do a wire transfer to their " vendor '' {$7300.00} and a service charge of {$30.00} for express delivery for same day, Which I did. He told me I should expect a call from the vendor within the next week. The next day he messaged me on XXXX chat and stated that their vendor had raised their prices, and he would need to send me another check to cover the amount and that's when I got suspicious. I called XXXX XXXX and left a message to see if this guy was legit. I also called my bank, XXXX XXXX  XXXX XXXX ) and maid a wire scam claim and tried to do a wire recall and we did a wire tracker. That was done on XX/XX/year>. They told me they would send all the information to Wells Fargo so they could do their own investigation, and they could try and recover my funds. I was told by XXXX XXXX XXXX that the process would take up to XXXX business days for Wells Fargo to give them an answer. I kept calling every XXXX weeks as they had placed a freeze on my account. I would have to call every payday to transfer funds so I could pay my bills. On XX/XX/year> I called again to transfer funds and get a status update on my claim and was told by XXXX  XXXX XXXX XXXX Wells Fargo had denied my claim. even after I had sent them over all my evidence.
Consumer complaint received 2024-07-21
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. (AR)

in accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

I am now requesting proof of the previous investigation. Im asking that you send your method of investigation, along with all records of who you spoke with, their business address, name and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update this account to PAID/NEVER late and send me a copy of my updated credit report regarding dates ( list dates ) for account # XXXX XX/XX/year>, and dates ( list dates for 2nd account if there is one ) for account # XXXX, # XXXX XX/XX/year> This should not be late send proof now. 
Also, please pass this along. 15 USC 1681s-2 ( F )
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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.

( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports 8
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services (CA)

Here 's a revised version of your dispute letter, noting the consolidation of your loans to XXXX : Your Name : XXXX XXXX XXXX Your Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX  XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Dispute of Inaccurate Account Information - Ed Financial/Esa Dear Sir/Madam, I am writing to dispute the inaccurate reporting of the Ed Financial/Esa account on my credit report. Below are the details related to the account : Account Name : Ed Financial/Esa Account Number : [ MULTIPLE LISTED ] Credit Reporting Agencies : XXXX, XXXX, XXXX Inaccuracies Noted : The account is reported as " Pays account as agreed '' and " Paid or paying as agreed '' while simultaneously showing that it is " 120 days past due. '' This is contradictory and inaccurate. 

I have never made a payment on this account since I am still in school, and no payments are currently due. 

The account shows a worst delinquency of " XXXX days past due, '' which is incorrect given my current status as a student with no payments required. 

Additionally, my loans were consolidated to XXXX, which would not have occurred if I had been XXXX  days late as reported. This further proves that the delinquency is inaccurately reported. 

Given these discrepancies, I am requesting an immediate investigation into this account. Please correct the inaccuracies or remove the account from my credit report entirely if it can not be verified as accurate. 

Please provide me with written confirmation once the investigation is complete and the necessary corrections have been made. I appreciate your prompt attention to this matter and look forward to your timely response. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX Installments Account # XXXX Installment Account : Reported inaccurately of missed payments has been reported invalid on my consumer report numerous times and multiple times inaccurate. My account has been paid up to date. 

XXXX XXXX XXXX Account : XXXX for amount {$3100.00} have been paid in full this account has been sold to various collectors after collectors this is illegal to harass and sabotaged my consumer report for inaccurate invalid account that has been cleared. XXXX has refused to clear this account off of my consumer report. 

XXXX account # XXXX I don't own this account and have notified the debtor as well XXXX I don't own this account has been an violation of inaccurate data on my report. 
XXXX XXXX is an violation invalid and inaccurate account placed as charge off is violation of invalid. 
XXXX personal Loan charge off # XXXX has been a violation of invalid inaccurate report on my consumer report. 

This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. This is a violation of the Fair Credit Reporting Act ( FCRA ) and I OPT-OUT of E-OSCAR validation of accuracy. This inaccurate charge off violates Section 605 ( a ) ( 4 ), Section 605 ( c ), and 15 U.S. Code 1681s2. I will pursue legal action for each violation of inaccuracy. 
The consumer reporting bureau has repeat violated my rights without accurate data and must be corrected which will place a law suit per violation XXXX.
Consumer complaint received 2024-09-04
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. (HI)

I hope this letter finds you well. I am writing on behalf of a federal award recipient authorized by the U.S. Department of Health and Human Services ' Office on Trafficking  in Persons ( please refer to the attached Confirmation of Authorization ). The XXXX XXXX XXXX has verified and determined that XXXX XXXX is a victim of a severe form of trafficking in persons under 22 U.S.C. 7102 ( 11 ) or sex trafficking under 22 U.S.C. 7102 ( 12 ), making them eligible for certain adverse credit information to be blocked according to 12 C.F.R. 1022.142 ( see attached rule ). The XXXX XXXX XXXX is dedicated to advocating for the rights and welfare of individuals affected by human trafficking and debt bondage. We have identified XXXX XXXX case, which we believe deserves your attention and expertise. In our mission to support victims and collaborate with stakeholders to eradicate human trafficking, we've identified an issue with XXXX XXXX credit report, which contains an outstanding debt likely connected to a case of debt bondage. This debt raises ethical and legal concerns due to possible fraudulent or coercive practices leading to an unjust financial obligation. We respectfully request your assistance in blocking and removing any negative accounts linked to XXXX XXXX credit profile. Thank you for your attention to this matter. We look forward to collaborating on this important issue. Please feel free to contact me at any time. Best Regards, XXXX XXXX Founder & CEO
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I am writing to address an issue with the reporting of my XXXX XXXX  XXXX credit card account, which was charged off and subsequently sold to a debt collection agency, XXXX XXXX XXXX XXXX XXXX. 

XXXX and XXXX : Charge-Off and Sale : The account was charged off in XX/XX/year>, with a balance of {$4200.00}. Subsequently, this debt was presumably sold to XXXX XXXX XXXX XXXX XXXX, I did not receive any documentation from both XXXX XXXX XXXXXXXX other than a notice in my customer portal and spam emails from XXXX. 
XXXX XXXX XXXX : Despite the sale of this debt, my credit report continues to show the XXXX XXXX XXXX account as charged off each month for XXXX months without indicating that the debt has been sold. This is reflected in both my Experian credit report and other credit reports. 

Request for Action : I respectfully request that the following actions be taken to ensure accurate reporting : Update Account Status : XXXX XXXX XXXX should update the status of my account to indicate that it has been sold to XXXX XXXX XXXX XXXX XXXX. This update should reflect that XXXX XXXX XXXXXXXX is no longer the responsible party for this debt. 
Correct Credit Report Entries : Ensure that all credit bureaus ( Experian, XXXX, XXXX ) receive the correct information about the sale of the account. This includes removing the repeated " charged off '' status from each month following the sale. 
Confirmation of Update : Please provide written confirmation once these updates have been made to my credit report. 

Ensuring that my credit report accurately reflects the current status of my account is essential for my financial recovery and creditworthiness. I appreciate your prompt attention to this matter and await your confirmation of the requested updates.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Advanced Resolution Services Inc. (GA)

I recently reviewed my credit report, and I'm writing under the Fair Credit Reporting Act because I want my credit report to be 100 % accurate and complete. I do not want any incorrect or misleading information in my report. Please update all personnel information. My name is : XXXX XXXX XXXX My Social Security Number is : XXXX The Only Correct Address is : XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX I'm only employed at : XXXX XXXX Please remove old numbers and address! 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 2024-11-09
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

For many years Bank of America visa has been sending convenience checks to my mailbox. I never use them. I have no need to use them and they go straight in the shredder. On XX/XX/XXXX I flew to XXXX  on holiday and on XX/XX/XXXX XXXX of those checks was written for {$500.00}, and definitely not by me. The most likely explanation is that my mail carrier delivered the latest tranche of these XXXX checks into someone else 's box and they spent one. This is concerning on many levels. I fail to see how such a check could be spent by anyone, anywhere, without identification, and given that I've not misplaced any identification it would've been impossible for any fraudster to present it. 

I filed a dispute which in and of itself took way longer than it should, but it finally was accepted, and the charge and fee was removed from my account. A couple days ago the {$500.00} charge was put back on my account. I also requested a copy of that written convenience check and understand to whom it was written. That has not been provided to me. 

This is the second time in two months that I've had to deal with astonishingly bad customer service from a bank I've been associated with for 34 years. It's time to find a new bank.
Consumer complaint received 2024-09-09
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: Select Management Resources, LLC (TX)

Loan was taken out during/around quarantine period. I was having trouble with finances as expected and thought this would be an easy process to help. I had been making payments automatically on my debit card but shortly after, however I ended up losing my wallet. Tried reaching out to them to come to a resolution on how to lower payments and they were not able to accommodate. This loan became piled on to the list of bills/expenses i was dealing with due to all the interest which I was not expecting when I first applied for the loan. Time had gone by and I ended up moving due to financial issues. My car was repossessed by them eventually and it was an absolute nightmare even getting my car and getting set back up on a payment plan. I was lied to by staff on how to retrieve my vehicle after I had paid the fee to get it back. Unfortunately a staff member yelled and cursed at me over the phone and hung up in my face. I had to contact the tow yard myself after the loan store told me I had to wait until someone reached out me and days had gone by with me waiting. Once my car was retrieved there was minor damage. They have repossessed my car yet again after I have tried for months to reach either the store manager or corporate to rectify the situation. I gave a full report to corporate nothing ever happened. I am assuming they unbeknownst to me put a tracker on my car.