davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-17
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. (OH)

I have previously disputes Account with Dept of educationXXXX , the accounts were removed due to them not belonging to me and some how there are reappearing on my credit report!! This information is inaccurate and does not belong to me.
Consumer complaint received 2024-08-02
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Happy Money, Inc. (CA)

Happy money makes it incredible difficult to understand and know due dates, when you are past due and what payments need to be made when you are past due. They also do not allow you to split payments without reaching out to the via chat, which at that point they direct you to their site. You also can not make additional payments on top of monthly amount due without engaging with their customer support team. It seems like they are making it as difficult as possible for consumers to stay on top of their loan payments so they can accrue more interest dollars and fees. 

Happymoney also doesnt provide statements, so its difficult to know what Ive paid, how much of my payments are going towards interest, and how I can adjust my payments to pay down the loan more quickly. Instead, you can you manually call them and request a statement, which really isnt a statement but an invoice for payment.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (CA)

I havent gave XXXX XXXX or XXXX the consent to obtain or furnish my information so under 15 U.S. Code 1681 B : Obligations with respect to disclosures of personal information. Now under 18 U.S Code 1028 A : Aggravated identity theft. This mean XXXX XXXX and XXXX are all in violation. Under 15 U.S. Code 6802 : Obligations with respect to disclosures of personal information.
Consumer complaint received 2024-08-02
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (FL)

I am trying my best to set-up a payment plan to keep my account current. I called Navient on XX/XX/XXXX, and I was set-up to make a lower interest and lower payment for a year beginning XX/XX/XXXX, to XX/XX/XXXX, for 6.50 % interest and monthly payments of {$190.00}. I have to cancel my electric bill payment to cover the XXXX payment to keep my account current per Navient in order to qualify for the payment plan if I paid before the XXXX of XXXX. I explained briefly to the customer service that I get paid on the XXXX of each month, if you take the money out before the XXXX, the bank will reject the funds. Unfortunately, Navient still take-out the money before the XXXX which resulted the funds to be insufficient and I have to pay several bank overdraft fees. I submitted this issue to Navient advocate department on XX/XX/XXXX. Today I received an email form the advocate department stating that they can't assist me with my complaint after waiting for almost a month. Meanwhile, I still made a payment on XX/XX/XXXX while waiting for the advocate department to resolve this issue. To my surprised, I got notification from the mail today that I owed over {$900.00} for late and fees without considering that they breach our agreement to take funds from account of the XXXX of month.
Consumer complaint received 2024-08-02
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Driveway Finance Corporation (MI)

XXXX XXXX XXXX XXXX Finance Subject : Dispute Regarding Lack of Response to Notice to XXXX XXXX XXXX Dear Driveway Finance, I hope this letter finds you well. I am writing to formally address a concerning issue regarding my auto loan account with Driveway Finance. Despite my efforts to communicate and resolve this matter, I have yet to receive any response from your team. 

Over the past XXXX months, I have sent several notices to XXXX  concerning the disputed aspects of my loan. Each notice detailed the specific issues I have encountered, along with the necessary documentation to support my claims. However, I have not received any acknowledgment or response from Driveway Finance regarding these notices. 

The lack of communication is not only frustrating but also creates further complications in addressing my concerns. As a valued customer, I believe it is essential for your organization to maintain open lines of communication and to respond promptly to disputes. 

I kindly request that you confirm receipt of this letter and provide a written response addressing my previous notices to XXXX  by XX/XX/year>. If I do not receive a satisfactory response, I may have no choice but to escalate this matter further. 

Thank you for your attention to this urgent issue. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CrossCheck, Inc. (FL)

I attempted to place a credit freeze online but was unable to do so. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ) NAME : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-02
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 (MO)

Dear SPRINGOAKCAP, 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 the Missouri Credit Reporting Act.

It has unequivocally come to my attention that SPRINGOAKCAP 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 state law provides specific protections for consumers regarding credit reporting. These laws emphasize the necessity of consumer consent for credit reporting and establish clear guidelines for the fair reporting of consumer credit information.

I assert with unwavering certainty that I have not provided consent for SPRINGOAKCAP 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 an unequivocal disregard for federal and state laws. 
I demand, with the utmost certainty, that SPRINGOAKCAP 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 and the Missouri Credit Reporting Act. 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.

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 SPRINGOAKCAP will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2024-08-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

The following account is in question has been deleted on my credit report and I received a letter threatening to sue me : PORTFOLIO RC Account Number:XXXX  Total amount : {$1200.00} Date began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX, PORTFOLIO RC Account Number : XXXX Total fraudulent amount : {$930.00} Date fraud began : XX/XX/XXXX.
Consumer complaint received 2024-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (FL)

My name is XXXX XXXX. I am a XXXX man who had a XXXX which left me with limitations on verbally speaking. I tried to access my funds around XXXX of XXXX and I was told my account is frozen and being handled by the fraud detection department. I was told to wait for a letter in the mail. I have received multiple letters which advise me to call the number on the letter. Each time I call they tell me I need to follow the instructions on a different letter which I have yet to receive. I sent over copies of all my identification via certified mail XXXX. I went to the Citi Bank branch located on XXXX XXXX XXXX XXXX, NY XXXX to attempt to resolve this issue. I currently reside in Florida and needed to take a flight to NY to attempt to resolve this issue. I brought my identification cards, phone bills, and social security card as proof of identification. XXXX XXXX XXXX is the person who assisted me in opening the account and the person I met with on XX/XX/XXXX. She explained nothing could be done I need to wait for a letter. She made an attempt to call the branch in XXXX XXXX, Texas where they told her this matter can not be handled over the phone and I need to wait for the letter in the mail. I spoke to them personally on the phone several times including this day and they stated that I need to wait for another letter. They would not even verify my address over the phone. I currently have {$34000.00} frozen in my account with no near in sight. Any assistance in this matter is greatly appreciated.
Consumer complaint received 2024-08-02
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: OneMain Finance Corporation (MO)

Dear ONEMAIN, 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 the Missouri Credit Reporting Act. 

It has unequivocally come to my attention that ONEMAIN 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 state law provides specific protections for consumers regarding credit reporting. These laws emphasize the necessity of consumer consent for credit reporting and establish clear guidelines for the fair reporting of consumer credit information. 

I assert with unwavering certainty that I have not provided consent for ONEMAIN 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 an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that ONEMAIN 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 and the Missouri Credit Reporting Act. 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. 

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 ONEMAIN will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2024-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NY)

Subject : Complaint Against TD Bank for Unauthorized Transaction Dispute To : Consumer Financial Protection Bureau Date : XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX Account Number with TD Bank : XXXX MERCHANT NAME : JUSTFLY TRANSACTION AMOUNT : {$4000.00} I am writing to file a complaint against TD Bank regarding an unauthorized transaction on my account. On XX/XX/XXXX, a charge of {$4000.00} was made to the merchant XXXX, which I did not authorize. 

Upon discovering this unauthorized transaction, I immediately contacted TD Bank to dispute it. Despite my prompt action, TD Bank denied my dispute, asserting that I had authorized the transaction and traveled. I want to clarify that I am undocumented and therefore unable to travel, making it impossible for me to have made this transaction or traveled as claimed by the bank. 

Since then, I have repeatedly contacted TD Bank, including in XXXX, XXXX, and XX/XX/XXXX, seeking a resolution. I have visited the branch where I opened my account numerous times and called TD Bank numerous times as well, but I have not received any assistance or satisfactory explanation. 

I have been a loyal customer of TD Bank for years, consistently maintaining a balance of at least {$20000.00} in my account. It is deeply distressing that my longstanding relationship with the bank and my trust in them have been undermined in this manner. Additionally, I am the sole caregiver for my paralyzed parents, and the loss of these funds has significantly impacted my ability to provide for their health and well-being. 


I respectfully request the CFPB 's assistance in resolving this matter. Specifically, I am seeking the recovery of the disputed amount of {$4000.00} and a thorough review of TD Bank 's handling of my dispute to ensure compliance with federal regulations and fair treatment of customers.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Checking my credit report, I noticed a series of accounts under the name PORTFOLIO RC ( XXXX, XXXX, XXXX, XXXX, XXXX ) that are reporting collections in my name. However, none of my creditors or even the collectors themselves provided certified notifications informing me that my personal and credit information would be transferred to a third party. Based on this, I do not recognize these accounts as mine, and they are failing to uphold and violating my rights as a consumer, even entering into a potential identity theft situation. Therefore, I am submitting this complaint to request validation and verification of the accounts, from which they can provide me with certified evidence of where I gave consent to report these accounts on my credit history, as well as the prior notifications regarding the transfer of the accounts from the creditor. Considering this information, the accounts in question would be violating Title 15 of the USC in the following sections :
Consumer complaint received 2024-08-01
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: Bread Financial Holdings, Inc. (IL)

Bread Financial, doing business as Bread Savings, refuses to open a High Yield Savings Account product for Lawful Permanent Resident Green Card holders. 

On Bread Financial 's Web site for savings account opening, at the bottom of the page, they admit they require XXXX XXXX to bank with them. 

My spouse is a Lawful Permanent Resident with a Social Security Number, and is therefore denied banking services by this financial institution. 

I would like to open a Savings account but I do not believe that it is possible to do banking with Bread and add my spouse to my account as a joint account holder. 

I do not believe that this is legal under Illinois and Federal banking laws.
Consumer complaint received 2024-08-01
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (NJ)

Comenity Bank ( Ulta Credit Card ) has contacted me non stop for a week. There website and automated phone system was done last weekend when I tried to pay. I tried numerous times. So after that I had other bills to pay. I am paying it tomorrow because thats when I get paid. I have received 9 phone calls today alone and have attached my call log and I can happily do what is needed to verify this claim. They called me today at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX This is harassment, bullying and emotional and XXXX  XXXX. I will not tolerate it any longer nor will I be humiliated and embarrassed by this XXXX  company.
Consumer complaint received 2024-08-01
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: NCB Management Services Inc. (MO)

Dear NCB, 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 the Missouri Credit Reporting Act.

It has unequivocally come to my attention that NCB 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 state law provides specific protections for consumers regarding credit reporting. These laws emphasize the necessity of consumer consent for credit reporting and establish clear guidelines for the fair reporting of consumer credit information.

I assert with unwavering certainty that I have not provided consent for NCB 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 an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that NCB 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 and the Missouri Credit Reporting Act. 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.

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 NCB will promptly rectify these egregious violations, respecting my rights under federal and state laws.

Done in good faith.
Consumer complaint received 2024-07-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Betterment LLC (CA)

- On XX/XX/XXXX, I tried to transfer money from my Betterment savings account into my Checking account, only to find that my Checking account was no longer accessible - On XX/XX/XXXX, I called Betterment support only to be told that there was an internal issue ; I was provided no answer and no guarantee that any late fees would be covered by them
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: GREENSKY OPERATIONS, LLC (UT)

Water heater in house me, my daughter and grandkids live in went out and leaked everywhere in middle of night. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Neither my daughter nor I knew what to do. The only company that would come out charged XXXX {$4500.00} for new water heater. We had no idea how much it should have been. We didnt have that kind of money. They had us apply only for monthly payments. Right after all of this we were slightly late on a payment. All of our payments have been perfect otherwise. They sent the XXXX payment that was about XXXX weeks late to credit bureau. It caused our credit to drop significantly and is preventing us from getting help with another large need at the house
Consumer complaint received 2024-07-29
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Westlake Services, LLC (TX)

On XX/XX/XXXX, I visited XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, TX XXXX to purchase a vehicle. I was approved for a loan by Western Funding Inc. and purchased a XXXX XXXX XXXX, driving off the lot the same day. 

Western Funding Inc. never sent the check for the vehicle to XXXX XXXX, thereby not fulfilling the loan agreement. This voided the contract I had with them. 

The finance manager at XXXX XXXX, XXXX, failed to inform me that Western Funding Inc. did not fulfill the loan. Instead, he applied for a new loan with XXXX XXXX without my knowledge or consent. 

XXXX XXXX approved the loan and sent the check for the vehicle. When I returned to the dealership, XXXX had me sign new forms under the pretense of correcting previous errors, without disclosing that these were for a new loan agreement with XXXX XXXX. 

I continued to make payments to Western Funding Inc. under the mistaken belief they were the lender. After three months, I discovered the discrepancy when my credit score began to fall due to missed payments with XXXX XXXX. 

Despite closing my account with Western Funding Inc. after discovering their non-fulfillment of the loan, I have not received a refund for the payments made. Western Funding Inc. has been unresponsive and has provided conflicting information regarding the status of my refund. 

XXXX XXXX has threatened to repossess my car due to missed payments. I have made arrangements to get my payments back in good standing with them, but the lack of a refund from Western Funding Inc. has hindered my ability to settle this matter fully. 

Financial Damages : Payments made to Western Funding Inc. for a loan they did not fulfill, and missed payments to Credit Acceptance leading to threats of repossession. 

Credit Score Impact : My credit score has been adversely affected due to missed payments with XXXX XXXX. 

Emotional Distress : The stress and XXXX  caused by the financial uncertainty and threats of repossession.