davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: FC HoldCo LLC (MO)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Missouri XXXX XXXX XXXX XX/XX/XXXX Flagship Credit Acceptance XXXX XXXX  XXXX XXXX, TX XXXX XXXX RE : Request for Refund of Excess Funds and Inquiry into Legality of Actions XXXX : XXXX To Whom It May Concern, I am writing to formally address the ongoing issue concerning my XXXX XXXX XXXX XXXX ( XXXX : XXXX ). The total price of the vehicle was {$22000.00}. Based on the loan terms, had I owned the vehicle for the full 72 months, I would have paid a total of {$89000.00}. At the time of purchase on XX/XX/XXXX, the vehicle had XXXX miles on the odometer. However, the vehicle was involved in an accident and was declared a total loss on XX/XX/XXXX. 

Per our conversation on XX/XX/XXXX, I should not be responsible for any interest accumulated after the vehicle was declared a total loss. Despite this, Flagship Credit Acceptance has declined to assist me in releasing any remaining funds, causing financial hardship as I need the funds to purchase another vehicle. 

XXXX XXXX XXXX has already issued a payment of {$28000.00} for the vehicle loan, a check for {$8900.00} for XXXX coverage, and an additional {$2200.00} for warranties associated with the vehicle. Flagship Credit Acceptance, however, is attempting to retain all of these funds, despite my requests for assistance. I have recorded conversations regarding this issue and have emailed Flagship Credit Acceptance for further clarification and support, but to no avail. 

Additionally, I have a letter dated XX/XX/XXXX, from XXXX XXXX XXXX, which clearly states that the lien on the vehicle has been fully satisfied. I am attaching all relevant documents, including this letter, as proof of the completed lien and payments made.

I am requesting your assistance in confirming whether the actions taken by Flagship Credit Acceptance are legal and to facilitate the return of any remaining funds that are rightfully owed to me under applicable laws. 

I appreciate your immediate attention to this matter and look forward to your response. 

Sincerely, XXXX XXXX XXXX and XXXX XXXX  XXXX Attachments : - Letter from Flagship Credit Acceptance dated XX/XX/XXXX - Insurance payment documentation - Recorded conversation transcript ( if applicable ) - Additional supporting documentation
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-13
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: FC HoldCo LLC (OH)

I totaled a vehicle on XX/XX/XXXX of XXXX, the loan was paid off by XXXX within XXXX weeks at the total pay off price. There is a XXXX balance on the loan. I was then told by XXXX in XXXX that I could cancel my warranty that I bought with the refinance. I called The savings group on XX/XX/XXXX and cancelled my policy, the policy holder XXXX XXXX XXXX then cancelled the policy and sent the savings group an XXXX payment of {$1100.00}. 
The savings group then issued XXXX a check for {$2200.00} and it was received by flagship credit acceptance on XX/XX/XXXX. It was cashed by them and applied to my PAID OFF loan on XX/XX/XXXX. I spoke with a Customer service Supervisor with flagship today XX/XX/XXXX her name was XXXX and her EID is XXXX. She told me that flagship now has XXXX more days to issue me the refund from their end. She can not provide any paperwork stating this time frame. I was told by The XXXX XXXX XXXX XXXX department who issues the check that from XX/XX/XXXX I should have the check for the amount of {$2200.00}. Flagship is not willing to escalate this issue and issue my check. They confirmed the check has been applied to my paid off account. It has been over the XXXX week time frame now and flagship will not release the funds owed to me.
Consumer complaint received 2024-09-13
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (VA)

Dear Sir/Madam, I am writing to file a formal complaint regarding what I believe to be an unfair and deceptive business practice that is potentially misleading associated with my XXXX credit card account. Account XXXX : XXXX XXXX XXXX  XXXX Issue : XXXX allows customers to choose their payment due date, and my due date is set for the XXXX of each month. However, I have observed that while my payment due date is on the XXXX, the closing date of my billing cycle is not until the XXXX. This discrepancy means that the due date falls before the end of the billing cycle. As a result, if the credit card is not paid by the due date, I would incur fees, even though the billing statement has not yet closed. This situation is particularly tricky because it can lead consumers to mistakenly believe they have paid their bill in full, when in fact, additional charges and interest are still accruing. I find this timing arrangement to be unfair, as it could result in unnecessary fees and interest charges for cardholders. 

Impact : This arrangement creates a situation where cardholders like myself are at risk of incurring interest charges on transactions made during the billing cycle, despite having made the full payment by the due date. This could be interpreted as an attempt to trick and deceive cardholders into paying interest that could have been avoided if the due date were properly aligned with or after the closing date of the billing cycle. 

Additionally, XXXX is currently advertising a promotional offer that allows for a transfer of funds with no interest payments for XXXX year. Given this promotional offer, I am concerned that XXXX might be using this deceptive practice of setting a due date before the closing date in an effort to still assess interest charges and undermine the benefit of this promotional offer. 

Request for XXXX : I request that the CFPB investigate this matter to determine whether these practices violate any consumer protection regulations or fair lending laws. I am concerned that this may be a broader issue affecting other cardholders as well. 

Additionally, I would like my account to reflect a closing date before the due date and adjustment of any fees that may have been assessed due to this deceptive practice. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue. 

XXXX XXXX
Consumer complaint received 2024-09-13
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (GA)

A loan was taken out with Affirm, to purchase an item on XXXX. The sale of the item, was cancelled by XXXX, as the seller could not fulfill the order. XXXX sent an email stating, the sale had been cancelled and the full amount of the item was refunded back to Affirm. I opened a disputed with Affirm, because they were showing the loan was still active, even though, the item was cancelled by XXXX, and full amount refunded. I have reached out to Affirm, every other day since XX/XX/XXXX, in regards to this matter, and they are refusing to do anything about it. I provided Affirm with XXXX different documents, proving and verifying the sale was cancelled and full amount refunded. They are refusing to resolve this issue. They also stated, if the dispute is not resolved in 30 days, any payments with be sent to collections, but I can not make any payments, because the loan is frozen due to the dispute. Please help.
Consumer complaint received 2024-09-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC (NJ)

I Closed on a home refinance with XXXX XXXX XXXX ( account number XXXX ) in XXXX of this year. I prepaid for some XXXX  and paid for insurance in full. Within a few months they transferred my servicing to Shellpoint Mortgage Servicing ( account number XXXX ). Then I get letters from my town that the property taxes werent paid and it was accruing interest. I called Shellpoint and they said that there wasnt any XXXX  money for it and I will not be charged the interest charges on the property taxes. Long story short, I receive a check in the mail from my insurance company because Shellpoint double paid. I immediately called Shellpoint to tell them to void the check and put it back on my account. It took a while and it was put back into my XXXX. I called Shellpoint to reimburse me for the tax interest money that they paid in my name because it wasnt my issue. They basically told me that its not their issue and I should XXXX  it with the previous servicer. Now XXXX stuck with a loss of money because of the servicing game these mortgage companies play. Theyre a nightmare to get ahold of but thats not the main issue here. 

Please help me with this. Its not about the money, its more about the XXXX  that large corporations take advantage of the little person. 

Thank you XXXX
Consumer complaint received 2024-09-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: U.S. BANCORP (FL)

I am requesting a written document that explains what type of modification trial I was approved for in XX/XX/XXXX. 

What date did the modification trial start? 

How long was the modification trial for? 

Did the MODIFICATION trial fail? 

Attached XXXX Mortgage Statement showing the monthly amount due and current interest rate of 4.25 % fixed ( XXXX XXXX XXXX XXXX XXXX  FHA fixed rate program ). 

XXXX XXXX XXXXtreasury.govXXXX
Consumer complaint received 2024-09-13
Product: Student loan — Private student loan
Issue: Getting a loan — Changes in terms mid-deal or after closing
Company: Navient Solutions, LLC. (NH)

On XX/XX/2024 I requested a school misconduct discharge application. I was told that it would be sent to me via mail and/or email. I received a copy of the paperwork on XX/XX/2024. I filled out the application, taking considerable amount of time to be thorough and include all necessary information that was needed to support my case. I submitted my application on XX/XX/2024. I received an email stating that my application was denied on XX/XX/XXXX. The reason given was, " Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school '' .I reached out via chat to inquire about this as I believe I have met the requirements without a doubt. I will attach screenshots of the conversation.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (FL)

I Have not been supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, I presume that no proof of alleged debt, nor therefore any such debt, in fact therefore exist
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
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: CITIBANK, N.A. ()

Case Number : XXXX Best Buy XXXX XXXX. 

I would like to dispute the results of the investigation conducted by Citibank Best Buy card company. The account opened under my name was unauthorized, fraudulently opened, using my personal information. I was not informed about this card application, I did not received notice prior to this application, nor received the physical card and the details of the account, I never activated, I was wondering how it was activated, and they were able to purchase a total amount of {$2300.00}. On XXXX XXXX, 2024, I learned that there was card application from the notification of credit reporting agency that I have a hard inquiry. Thus, I immediately acted on it and called the Citibank number and requested to close the account. I filed a police case XXXX XXXX on the same day XX/XX/XXXX and inform credit agency to freeze my credit score details. However, last XX/XX/XXXX a I received letter that investigation is close, and I am responsible for paying the outstanding balance. The agent told it was close since the purchase location is just few miles away from my address, as per the result of the investigation. I called the best buy security operation to reopen the case. Last XXXX XXXX, 2024, I received the account bill and the charges I need to pay with the due date. I made a call again on XX/XX/XXXX, to raise dispute and reopen the case. To add supporting evidence that I am a victim of XXXX XXXX, I have received XXXX additional unauthorized credit card application from XXXX XXXX,2024 that is why I acted immediately that this is a fraud. First was from XXXX XXXX  XXXX ( XXXX XXXX XXXX  ) and XXXX XXXX  ( XXXX XXXX XXXX ). I learned these card application from the notifications of credit reporting agency only. I called these banks and closed all the application. I sent mail with my supporting documents to XXXX XXXX XXXX  of Best buy XXXX XXXX last XXXX XXXX, 2024.I made call again to best buy XXXX XXXX on XXXX XXXX, 2024, I came to know that while they were verifying my personal information, it looks like the registered mobile number on their system is different, from my mobile number.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The errors on my credit report significantly impede my financial freedom. I continue to face rejections for new credit applications due to these inaccuracies. It is incredibly frustrating that my consumer rights are being violated in this manner.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (IL)

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 XXXXXX/XX/XXXX
Consumer complaint received 2024-09-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL (LA)

I am writing to file a formal complaint regarding a credit card collection account allegedly opened XX/XX/year> with a balance of {$480.00} that I believe is being managed in violation of several federal laws. The account in question is associated with Synchrony Bank ( Originator ) & XXXX XXXX XXXX XXXX, and I have encountered several issues that I believe warrant your attention. 
Nature of Complaint : o The Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) yet they placed a collection on my consumer report.

o I have not been given a chance to dispute my account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) o The Collection Agency is violating my consumer rights by using false misleading, misrepresentation and deceptive means.

o The Collection Agency has no authority to furnish any account to a consumer reporting agency without providing any and all disclosures required by law, and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) Laws in Dispute : 1. Fair Debt Collection Practices Act ( FDCPA ) o Violation : The collection agency has been contacting me at unreasonable hours and has made threats that are not legally permissible. 
o Reference : 15 U.S.C. 1692-1692p 2. Fair Credit Reporting Act ( FCRA ) o Violation : The collection account is inaccurately reported on my credit report despite my attempts to dispute the information.

o Reference : 15 U.S.C. 1681-1681x 3. Truth in Lending Act ( TILA ) o Violation : I was not provided with the required disclosures about the credit card terms and fees at the time of account opening.

o Reference : 15 U.S.C. 1601-1667f 4. Electronic Fund Transfer Act ( EFTA ) o Violation : Unauthorized electronic withdrawals from my account related to the debt have occurred.

o Reference : 15 U.S.C. 1693-1693r
Consumer complaint received 2024-09-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (IL)

It is a Fact that I am XXXX XXXX, a Consumer/Natural Person and ( Cavalry Portfolio Services , LLC ) has engaged in abusive and deceptive debt collection practices which is a direct violation of the Fair Debt Collection Practices Act. ( Cavalry Portfolio Services , LLC ) obtained possession of my personal identifiable information such as my name and address without having my DIRECT permission. ( Cavalry Portfolio Services , LLC ) YOU are now on NOTICE. The term communication under FDCPA means the conveying of information regarding a debt directly or indirectly to any person through any medium. ( Cavalry Portfolio Services , LLC ) has engaged in indirect communication with me, therefore this is a Communication to cease and desist Pursuant to 15 USC 1692c ( C ).

Pursuant to 15 USC 1692c ( c ) ( 1 ) I advise you to terminate all further collection efforts.

Pursuant to 15 USC 1692cC ( 2 ) Im invoking my specified remedy as the Creditor, as I desire for you to promptly delete this collection account from my consumer report, and pay the amounts listed below which you are liable, for your failure to comply with particular Provisions under FDCPA.

Facts : 1. 15 USC 1692c, I did not give permission DIRECTLY to ( Cavalry Portfolio Services , LLC ) to initiate any communicate with me {$1000.00} 2. 15 USC 1692b ( 5 ) Cavalry Portfolio Services , LLC, 1 ) used a symbol on an envelope, 2 ) used language in the contents in the envelope that contained communication that indicated that ( Cavalry Portfolio Services , LLC ) is a debt collector and 3 ) is in the debt collection business and that the communication relates to the collection of a debt. {$3000.00} 3. 15 USC 1692e ( 2 ) ( Cavalry Portfolio Services , LLC ) used false and misleading representation of the character, amount. The alleged obligation or debt has a positive amount which creates a false, deceptive, and misleading representation. You can not owe on a positive balance, when those funds are available for use. {$1000.00} 4. 15 USC 1692e ( 8 ) Communicating to any person credit information which is known or which should be known to be false. ( Cavalry Portfolio Services , LLC ) communicated with the Consumer Reporting Agencies credit information that is false and this information was communicated prior to receiving a response from me which is dated for XX/XX/year> {$1000.00} If you believe these violations are erroneous put your facts on an affidavit under penalty and perjury along with it sworn and notarized.
Consumer complaint received 2024-09-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (NY)

Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding an unresolved issue with my Chase Complete Business Checking account ( Account Number : XXXX ), which I opened in 2019. At the time of account opening, I was working with XXXX XXXX ( XXXX ), who applied a coupon code to the account that entitled me to a {$300.00} bonus after meeting the necessary requirements. 

Despite numerous follow-ups with XXXX, who assured me multiple times that he was working with Chases internal teams to ensure the bonus would be posted, the {$300.00} has still not been credited to my account. This issue has now been unresolved for more than XXXX years, which I believe is unacceptable and does not reflect the level of customer service I expected from Chase. 

I am requesting the immediate posting of the {$300.00} bonus, which I rightfully earned upon meeting the requirements at the time of account opening. It is frustrating and disappointing that I have had to pursue this for so long without any resolution. 

I kindly request the Consumer Financial Protection Bureaus assistance in addressing this matter, as I believe it reflects a significant lapse in XXXX 's commitment to its customers. At the very least, I demand the {$300.00} bonus that was promised. 

Thank you for your attention to this issue. I look forward to your assistance in resolving this long-standing problem. 

XXXX XXXX
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (MD)

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