davidheineman/consumer-finance-complaints-large huggingface dataset:
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: Nelnet, Inc. (DE)

Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance in addressing a serious issue concerning inaccuracies on my consumer credit profile reported by XXXX, XXXX, and XXXX. Despite my diligent efforts to rectify this matter directly with the credit bureaus, the inaccuracies persist, and my attempts to resolve these issues have not resulted in the necessary corrections. 

I have sent detailed letters to each of the XXXX credit bureaus outlining specific inaccuracies on my credit report. In my correspondence, I provided substantial evidence demonstrating that the information reported is incorrect. This evidence includes documents such as account statements, payment confirmations, and other pertinent records. Furthermore, I referenced the relevant consumer protection laws that mandate the correction or removal of such inaccurate information.

Under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) [ 15 U.S.C. 1681i ( a ) ], credit reporting agencies are required to conduct a reasonable investigation when a consumer disputes the accuracy of their credit information. If the information is found to be inaccurate or can not be verified, the FCRA mandates that it must be corrected or removed from the consumers credit report. Additionally, Section 605B [ 15 U.S.C. 1681c-2 ] supports my case by stipulating that any information that is not verified within the prescribed period must be deleted.

Despite this clear legal framework, the credit bureaus have not taken the necessary steps to correct or remove the inaccurate information from my credit report. This failure not only impacts my creditworthiness but also contravenes the consumer rights guaranteed under federal law. I kindly request that the Consumer Financial Protection Bureau intervene to ensure that these inaccuracies are corrected in compliance with the FCRA and that the credit bureaus adhere to their legal obligations.

I appreciate your prompt attention to this matter and look forward to your assistance in resolving these discrepancies. Should you require any additional information or documentation, please do not hesitate to contact me. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-09-04
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CT)

The Synchrony Bank Card has decided to charge {$1.00} per statement to send it by US Mail, waives fee for signing up for Ebill. I signed up for the Ebill and did not receive the email for XXXX. I have received other Emails from them regarding the late payment. They are charging {$27.00} for late payment and will not remove the late payment from my balance due. I thought XXXX XXXX mandated I can not be charged more than {$8.00} for a late payment? Please help me with this dispute. 
Thank you
Consumer complaint received 2024-09-02
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (NC)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-09-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC. (TX)

The loan holder changed the way in which a payment could be processed without notifying the consumer which in turn forces the payment to be late because the account being paid from did not have a card for processing payments. Now the only way to make a payment is to pay a fee to pay a bill.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bounce AI, Inc. (TX)

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me
Consumer complaint received 2024-08-11
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. (TX)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-09-04
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: General Motors Financial Company, Inc. (MI)

This complaint is against GM Financial, the original lien-holder on a vehicle that I owned and sold to my company which took out a loan with XXXX XXXX  for purchase of the vehicle.

This sale happened about a year ago, and since then XXXX has been trying to assist in getting the new title/title updated. I was sent a lien release letter ( attached ), but Michigan Secretary of State will not accept it as it is " not an official lien release letter with a signature. '' It seems as though GM Financial claims this was sent to XXXX, which could be true, but it was never located. XXXX and myself have been trying since then ( for about a year now ) to get the proper lien release letter so the title can be reissued properly. I have contacted GM Financial multiple times, but though they said they have sent it or will send it no one has received it yet. 

The person assigned to help me at XXXX, my XXXX bank XXXX  XXXX, and others at XXXX as well as myself, have been attempting to get this with no success. I was told by the branch XXXX that he has never seen anything like this in XXXX  years. 

I am deeply concerned that we will run into issues when our company needs to sell this vehicle in the future.
Consumer complaint received 2024-09-11
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: Self Financial Inc. (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear XXXX, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Missouri Revised Statutes, specifically Section 570.223, which covers identity theft. 

It has unequivocally come to my attention that XXXX has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri law, under Section 570.223 of the Missouri Revised Statutes, emphasizes the gravity of unauthorized access and misuse of personal information, particularly in cases of identity theft and fraud. This statute further underscores the importance of ensuring that consumer information is handled lawfully and only with proper consent.

I assert with unwavering certainty that I have not provided consent for ATLCAPBKSELF to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and a clear disregard for federal and state laws. 

I demand, with the utmost certainty, that XXXX immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws under Missouri Revised Statutes Section 570.223 .

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.

I anticipate your immediate attention to this matter and expect that XXXX will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2024-09-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SoLo Funds Inc. (GA)

Respected Sir / Mam, There is an app by the name SOLO. In this app we can lend money and borrow money. Basically we have to pay a solo fees to lend money aswell as to borrow the money.

Through this app I lended {$130.00} to a customer. In this amount {$20.00} was solo fees and other charges. Basically the loan amount was {$100.00} rest {$35.00} was tip and fees of Solo. I was suppose to get the return of {$150.00} in 2 weeks. 
The customer failed to make payment on time ( not sure as I am only aware of the customer name. His contact information was not disclosed to me ) The customer might have paid on time but Solo hiding the information. 
There was an offer from solo which did not had any information. The offer was for {$95.00} and it changed to {$67.00}. 
I emailed team solo to provide me more information about the offer but they just wasted time and all the time they demanded to prove my identity and the information on my solo app account. I provided couple of times but still no information was provided.. 
with the intension thst we pay solo fees thats the reason solo has offered me this amount on behalf of the loan and the rest they will recover and pay me. 
I accepted the offer of {$67.00}. 
Later it showed that the loan has been closed and the settlement is done for {$67.00} and this amount will be available in solo credit which I can only use to loan another customer. 
I emailed team solo that I dont want to do any settlement. I am willing to wait till the customers is not capable to pay me the money. In fact I am willing to forgive the money also if the customer is really in a bad shape. I dont want to give more problems to someone who is space facing problems. On humanity grounds I will forgive the entire loan. 
But solo forcefully close this deal and forcing me to take the loss when I am willing to wait. But solo telling now the deal is closed and nothing can happen. 
I emailed solo and informed them if solo has settled this deal with me for {$67.00} forcefully then they have no rights and authority to collect the money from the customer on my behalf. I am not giving any rights to recover my money from the customer to solo. I want the customer written letter that solo has settled this deal with the customer for {$67.00}. But there is no response from solo on this. 
I am being forced to closed this deal in loss by solo app. I am willing to wait but still solo forcefully closed this deal. 
Solo forced me to take loss and now on my investment they will recover the entire money from the customer. 
We dont know that the customer might have paid on time also but the payment is not made to us directly. Its made to solo first and then we get the payment. 
At the time of lending I had not accepted solo protection then solo should not give me any offers in the first place. They misguided me with offers instead of mentioning settlement. 
This is how they forcefully take our money and fill their pockets. 
How to get justice?
Consumer complaint received 2024-09-12
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: AMA Advisors, LLC. (NY)

It was XX/XX/year>, when I signed the contract with XXXX XXXX, eager to secure my new investment property. The seller agreed to cover the title fees and recording fees through their affiliated title company, XXXX XXXX XXXX. Additionally, they offered a 2.5 % concession toward closing costs. I thought I had a great deal. 



As the closing process began, my loan was approved by XXXX XXXX - Homebridge Financial, but with a twist. The lender only allowed 2 % of the seller 's concession, citing XXXX XXXX XXXX guidelines for investment properties. 



At closing, the title company applied the 2 % concession towards my costs, as agreed. But just as we were about to finalize the deal, the lender unexpectedly put a hold on funding. They claimed I needed to pay the title fees, totaling {$4800.00}, despite the initial agreement stating the seller would cover them. 



I was shocked. My broker intervened, clarifying that the agreement and local customs dictated the seller pay these fees. We even provided evidence from XXXX XXXX XXXX guides supporting our stance. But the lender refused to budge. 



With no other choice, I reluctantly wired the additional funds, feeling I was being forced to overpay by {$4800.00}. We had to re-sign and close with new documents on XX/XX/year>. I couldn't believe the lender 's insistence had cost me extra money, despite the clear agreement and guidelines.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC (TX)

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (CA)

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 BANK XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX BANK XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (AR)

It concerns an account of my late daughter. 
She passed away XX/XX/2023. 
I have not been able to achieve or receive the balance at her death. 
I have made numerous attempts through phone calls, letters during this past year. I have sent everything they have requested to identify myself and prove I am next of kin. I have not received any answers or replies. I filed a afidavid and notarized XXXX XXXX with XXXX XXXX XXXX XXXX in Arkansas. 
I have sent them a copy plus death certificate, her ID, my ID, her birth certificate and still have not received any funds or acknowledgement. 
I also asked for a statement of the last month of activity on account XXXX XXXX XXXX  XXXX Chime XXXX XXXXXXXX XXXX
Consumer complaint received 2024-09-06
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (NH)

On XX/XX/year> I called to close my personal savings account with Capital One which I have had for many years. At that time I spoke to XXXX, employee # XXXX and he took my account #, verified my address and said I would receive my check in the amount of {$830.00} in 7-10 business days. Yesterday, XX/XX/year>, I have yet to receive the check. I called to find out the status of the check as it was now XXXX business days since the account was closed. I spoke to a XXXX, XXXX, employee # XXXX who told me that to find out the status of my check that I would have to answer a text with a code. Now, conveniently, giving them my account number was not good enough because the account is closed. I told him I do not do texting. I find it impossible to believe that once an account is closed that their computer system " loses '' all transactional detail and historical information about an account. I did everything to identify myself just to find out the status of my money and why it was a week late. He then told me there was nothing more he or Capital One could do to tell me when I would receive MY money. They are holding MY money XXXX, without earning additional interest, and are not willing to help me any further. It is no wonder I closed my account with Capital One as they not only did not get me my money as promised but also refused to help in locating my funds. I need to get MY money. I am not asking for anything further. I hope you can help. Thank you.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP (CA)

US Bank and XXXX have continued reporting an inaccurate and unauthorized tradeline on my credit report. Despite my repeated disputes over several years and the fact that this tradeline was included in an identity theft report filed with the FTC, US Bank and XXXX have failed to delete this harmful entry from my credit report. 

XXXX and XXXX have already recognized the inaccuracies and removed the tradeline from my reports. However, US Bank and XXXX have neglected to take the necessary action, causing ongoing harm to my credit profile.
Consumer complaint received 2024-09-11
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc. (WA)

XXXX To whom it may concern, I was given a Vanilla Visa gift card by my husband. I tried using the vanilla gift card at XXXX on XXXX only to find out it was 'declined " needless say, it was so embarrassing. The merchant said they have problems with vanilla gift cards and not to buy them. 

This morning XXXX  XXXX I called Vanilla gift card customer service only to be told the money was never loaded on the card. I asked the guy on the phone if there was a complaint department, he said no, but i needed to send a email to somewhere, unfortunately I could not understand what he was saying, even after he repeated it twice. 

This is absolutely ridiculous, customers should have to deal with things like this, they pay money only to find out the funds were never loaded, how is that? 

I am not if this will reach anyone who really cares, but this is the second time we have dealt with Vanilla gift card not being valid. 

Thanks XXXX XXXX
Consumer complaint received 2024-09-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (TX)

I had a Discover card that ended in XXXX that was accessed and used by a third party without my knowledge or approval. I reached out to the company that charged the card and several months ago they approved my refund for fraud request and I just received all of the dispute receipts from their credit card processor showing that the charges have been refunded due to fraud. Because these are fraudulent transactions I request Discover remove the charges from my balance and update the credit bureaus to reflect that I had not missed payments because the charges that caused any balance were fraudulent. Additionally, upon review of this dispute I request Discover either open my account again or account a new account for me since the former account was closed due to this issue.
Consumer complaint received 2024-09-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (TX)

I was a victim of identity theft in XXXX of XXXX. I was apart of the XXXX data leak. Since then I have received several random collections on my credit for services and credit cards I have never applied for or had. This new collection on my account quoted at being from " XXXX XXXX '' Is not owed by me. I have never had their services before in the past. I am seeking to report this and have the collection agency named " AMSHER COLLECTION SE '' looked into. I also request for any and all info to be provided to me to determine what this collection was for.
Consumer complaint received 2024-09-04
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (CT)

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. 
CITI XXXX
Consumer complaint received 2024-09-02
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (MD)

I have asked 6 times for this company and the collection company before them to provide verification for the account with balance that is incorrect and proof of receipt that the goods was delivered. I have not been successful with any resolution or response. When I got online to file a dispute with XXXX, XXXX XXXX and XXXX I have no success as well.