davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-09
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: Lendsmart, Inc. (CA)

I purchased a XXXX XXXX XXXX through XXXX XXXX XXXX, but LendSmart falsely claimed to be the creditor and demanded payments with a conflicting loan amount. Despite the user disputing the debt and requesting documentation, LendSmart failed to provide proof of assignment and instead threatened repossession. On XX/XX/XXXX, the vehicle was wrongfully repossessed by a company named XXXX XXXX claiming to be the lien holder but was not. Lendsmart sold the XXXX without proper notice or adherence to arbitration provisions. There are clear violations of the FDCPA, TILA, and contract law. A formal letter has been drafted to the CFPB, FTC, and LendSmart, seeking financial compensation and legal remedies.
Consumer complaint received 2024-10-08
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: SOFI TECHNOLOGIES, INC. (TX)

XX/XX/year> Case # XXXX Re : Follow-Up on Inaccurate Representation and Unfair Treatment Dear XXXX : I am writing to express my deep concern regarding the lack of response from SoFi Lending about my previous complaint. 
In my previous correspondence, I outlined how your representative, XXXX XXXX, falsely claimed that I had not contacted SoFi within the allotted time frame. As previously stated, I have call records that show I contacted SoFi on XX/XX/XXXX at XXXX XXXX  and spoke with your representative for 28 minutes, directly contradicting XXXX XXXX 's claim. 
Furthermore, I highlighted that XXXX XXXX 's ruling was arbitrary, capricious, and discriminatory, causing me undue stress and inconvenience. To date, I have received no follow-up or resolu

tion from SoFi, which is both unacceptable and unprofessional. I must reiterate that while this complaint remains unresolved, any attempt by SoFi to report negative information to credit reporting agencies will be illegal and may res
ult in further legal action. 
This is my final notice to SoFi Lending to address this matter promptly and fairly. If I do not receive a satisfactory response within ten business days, I will be compelled to escalate this issue to the appropriate regulatory bodies and consider further legal actions to protect my rights. 
Please confirm receipt of this letter and provide a detailed response outlining the steps SoFi will take to rectify this situation. 
Sincerely
Consumer complaint received 2024-09-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

FCRA 1681e ( b ) of the federal Fair Credit Reporting Act. The FCRA requires consumer reporting agencies, such as XXXX, to follow reasonable procedures when preparing... credit report. Section 1681e ( b ) also requires the plaintiff to present evidence that the credit report is inaccurate. On XX/XX/24 Per XXXX ID XXXX XXXX stated XXXX  XXXX customer service never received Disputes from the the CRA XXXX Transunion and XXXX and I would need to request all updates in writing I explained that the CFPB submitted my complaint to all three CRA XXXX XXXX XXXX stated again no documents has been submitted to XXXX  XXXX to address this issues. XXXX stated last updated was in XXXX from all three CRA. However I'm not understanding how the CRA are verified disputes as updated or Accurate when customers service agent such As XXXX cant located the disputes at the following stated no documents has been submitted.Im requesting an investigation into the CRA disputes process by the CFPB and requesting updates in 30 day in writing to this consumer. Im requesting delete of my account charge off and will be filing complaint with the State Attorney Office and FTC which clearly shows the CRA are not investigating Dispute according with FCRA Act.
Consumer complaint received 2024-09-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/year>, I initiated a transfer of {$6500.00} from my Bank of America account to my XXXX IRA account. The transfer initially appeared to be successful, and I used these funds to purchase stocks. However, a few days later, I was informed that the transfer had been canceled by Bank of America. As a result, XXXX notified me that my account would be subject to liquidation if the funds were not transferred promptly. 

I attempted multiple times to reinitiate the transfer using the same bank details, but all attempts failed. Meanwhile, XXXX proceeded with selling my stocks to cover the insufficient funds, resulting in a financial loss. Ironically, a few days after the stocks were sold, Bank of America successfully processed the transfer using the same information. 

Bank of America has since claimed that the transfer initially failed due to incorrect information. However, I have evidence showing that the bank details were correct from the start, and later transfers using the same information were processed successfully. The inconsistency and delayed processing caused a significant financial loss, which I believe is due to Bank of Americas error in handling the initial transaction. 

I am seeking compensation for the financial loss incurred due to these delays and errors
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accoraance with ine Fair Creait Reporting act. The List or accounts below nas violatea my rederally protectea consumer rignis to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXXXXXX XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-03
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: LD Holdings Group, LLC (WA)

While I was dealing with unfortunate veteran XXXX issues, I placed my house in a loan forbearance with LoanDepot. When the issue was resolved, I put my home out of forbearance to start normal payments and repaying what was owed while the home was in a reference. 

However, LoanDepot solicited a trial period payment plan ; how it was explained to me by Loan Depot on XX/XX/year>, was that the acceptance of the trial period plan would trigger a loan modification request that would change my loan term, payment, and interest rate beyond what was the owed balance. This was not stated in the paperwork for the new terms. Luckily, through asking more questions, the LoanDepot representative revealed that additional information would inherently change the entire terms of the loan, not just a repayment of the balance. I find this dishonest in their paperwork and not in line with the Truth In Lending Act.
Consumer complaint received 2024-08-31
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (MN)

When I was on the phone with a agent, she told me that my interest on {$2400.00} would.ve roughly about {$800.00} I was rushed through the process under the threat that I only had so much time left to complete the process or I would be denied, so I accepted the terms vocally over the phone and when I called back 6 months later to find out I was being charged double and that wasn't the agreement I agreed to, the customer service began to get very rude when I complained about being g mislead, I asked for the recorded phone conversation between me and the original agent and they refused my request stating they don't keep phone recordings more than 3 months I was misleads the agent o. The repay.ent amount and pretty much never told the true Interest amount.
Consumer complaint received 2024-08-30
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: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

On XX/XX/year> a fake Bank of America employee called me and asked for me to authorize {$27000.00} to them via an email. I never acted on the email nor ever gave this person my Bank of America credit card number. However they were somehow able to get access to the whole account with a couple of text codes. Nevertheless on XX/XX/year> at XXXX XXXX a real Bank of America employee called me with badge number dbblc, her name was XXXX. She was on the fraud team and asked me if I authorized {$27000.00} to go to another person. I said I did not and I want her to reject the {$27000.00} from going through on the credit card. She said she would reject the {$27000.00} from going through on the credit card and issue me two new cards. However after talking to another employee XXXX on XX/XX/year> she said the employee from the previous day failed to submit a fraud claim number and therefore the {$27000.00} went through that night on the credit card. I talked to the supervisor that same day and they said that the employee on XX/XX/year> should have rejected the payment and I would not be responsible for any of the {$27000.00} because it was their error. On XX/XX/year> or perhaps the night before Bank of America has decided that it was a scam and not fraud and that they were not responsible for giving the {$27000.00} to the scammer but instead I owe the money even though I told their fraud employee on XX/XX/year> to reject the payment to the scammer. This is completely unfair to me as the consumer who told them to reject it. They are trying to pass the buck to me and not take responsibility for their employee not rejecting the payment to the scammer. I am looking for this to be resolved with the {$27000.00} being removed from my credit card plus any related fees or interest.
Consumer complaint received 2024-10-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (ID)

There was a {$20.00} charge on my Citizens Business checking account on XX/XX/. My account balance was {$0.00} for a long time. So I did not monitor this checking account everyday. Citizens bank let this overdraft went through and kept generating fees every few days. My XXXX XXXX XXXX daughter was XXXX  for the past two months. So I did not find this problem on time until XX/XX/XXXX  and I transferred {$20.00} immediately to the account. To my knowledge, for a checking account, if the owner did not enroll in overdraft protection, any charges above the account balance should be declined. I never enroll in overdraft protection, yet Citizens bank allowed the charge went through and kept generating fees again and again for the same draft. There were altogether four charges totaling {$120.00} as the overdraft fees. This is crazy! I called customer service and only {$65.00} were reimbursed. Please refund the other {$60.00} charges.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (TX)

LV Funding a company I have never had any business relationship with, is now attempting to administer the trust account in grantor name which is security fraud and since the account mentioned is in a private trust this is a direct violation a of trust law, which is treason. Im giving company 7 days to erase all billing and accounts off all 3 credit bureaus. If not complying filing a summary of judgment on company CEO and a XXXX dollar claim that will be forced to be paid, do yo the fact that I have interest on any attempt on administering the trust account. That has no contract with LV Funding
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXX  XXXX
Consumer complaint received 2024-10-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: North American Credit Services (MS)

THEY ARE TRYING TO COLLECT A PAID DEBT not OWED TO THEM. I had a bill at my XXXX XXXX XXXX office. That bill was paid off in full. North American Credit Services is now trying to collect that " debt '' which isn't a debt. They also want me to provide proof of debt paid. It is not my job to provide these people with anything. I don't have an account to settle with NACS. I've only dealt with my doctor 's office and will continue to only pay them for services rendered. I don't have to provide you people with any proof of debt paid. I have receipts for the courts that I will present. Do your homework NACS. Calling debt collection and acknowledging anything is automatically taking ownership of that debt. That's why you never talk to a collection agency you don't plan on paying. I am not paying a collection agency for a bill that was paid off. I got dates and amounts plus bank statements. My bill was paid in full!!! I don't work for NACS so why would I send you my doctor bill receipts? YOU get it from the doctor 's office. I am NOT settling an account with NACS that I don't have a debt with.
Consumer complaint received 2024-10-15
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (NE)

On XX/XX/year>, I ended my lease with apartment complex XXXX XXXX in XXXX, Nebraska, and moved out. On XX/XX/XXXX, I contacted the apartment complex manager to request the final bill. The manager informed me that they would send the bill once all invoices had been processed. 

On XX/XX/year>, I unexpectedly received a letter from Resident Advocate, a collection agency based in Florida, demanding payment for a debt allegedly owed to the apartment complex. This occurred before I had received any final bill or statement from the apartment complex. 

On XX/XX/year>, I finally received the final bill from the apartment complex. 

I believe this situation violates the Fair Debt Collection Practices Act ( FDCPA ) and Nebraska state laws for the following reasons : 1. The debt was sent to collections before I was provided with a final bill, despite the apartment complex telling me they were still processing invoices.

2. I was not given proper notice or opportunity to dispute the debt before it was sent to collections.

3. The rapid escalation to a collection agency ( within approximately two weeks of move-out ) seems to violate fair debt collection practices.

4. The apartment complex misrepresented the status of the debt by sending it to collections before finalizing the amount owed.

5. I am unsure if the Florida-based collection agency is licensed to operate in Nebraska.

These actions have caused me undue stress and potential harm to my credit rating. I would like the following resolutions : 1. The apartment complex to immediately recall the debt from the collection agency.

2. Both the apartment complex and the collection agency to provide written confirmation that this debt has been removed from collections.

3. Assurance that no negative information related to this incident has been reported to credit bureaus, and if it has, for it to be immediately removed.

4. Both entities to provide written assurance of compliance with all relevant debt collection laws in the future.

5. Compensation for any violations of the FDCPA or state laws, if applicable. 

Contact information for companies involved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NE XXXX XXXX Resident Advocate XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX, FL XXXX Website : XXXXXXXX XXXXXXXX I have attempted to resolve this issue directly with the apartment complex and the collection agency but have not received a satisfactory response. I have documentation of all communications and am willing to provide copies of the collection letter and final bill if requested.
Consumer complaint received 2019-08-07
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

Portfolio Recovery Services has been calling me at least weekly, and sometimes daily or multiple times per day, for more than 10 years, and continued after I changed my phone number in early 2017. I have verbally asked them to remove me from their list on many occasions. I block the number each time they call, but they have taken to location based number spoofing. I traveled to Nevada this weekend, and they just called me from a Nevada number. I've not initiated any business with this company, nor does it appear on any of my credit reports.
Consumer complaint received 2024-10-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: VALLEY NATIONAL BANCORP (NJ)

I have submitted a dispute for a large amount ( multiple transactions ) of fraud/unauthorized international transaction that happened on XX/XX/XXXX. 
It has been well over 10 business days ( nearly 3weeks ) and no provisional credit has been given nor any updates.

I have called everyday since the 10 business day point. Sometimes no answers, sometimes just hung up on me. 

The latest update I got was for today ( XX/XX/year> ) that they are working on it but representative names XXXX XXXX told me that even though they are still investigating and will take over 30-60days, she confirmed that they will not provide any provisional credit.

Not providing the provisional credit at this point when the time has significantly passed is a clear violation/breach of the consumer contract.

I can wait until the investigation to complete, but I will need to have the proper provisional credit within 48 hours of this letter- Since the time has passed already.
Consumer complaint received 2024-10-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (KS)

Chime financial has locked me out my account for no reason at all its been 1 month and they continue to tell me they are sending my case to the specialist over chime and they dont have a clue phone number so I have to wait 48hours for a email. Then when I finally got a response I sent in documents they requested which was my drivers license and my marriage license and a utility bill and a selfie. They told me the first time my documents looked perfect but I still remained locked out. Then they proceeded to tell me I cant change phones when using chime because it will flag as fraud because I recently upgraded my phone. I then told them I was locked out my account before I even upgraded my phone so thats definitely not it. They then told me I have to Wait for a email from the specialist and as soon as I hung up up I received a email saying now my documents are being denied. So I have been calling everyday and still the same run around and not ever being gave a explanation to why my account was locked in the first place.
Consumer complaint received 2024-10-14
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CT)

I have had a XXXX credit card with American Express since 1984. The caveat with this card is when you charge a certain amount on the card, American Express will send you gift cards which correspond to the amount you charged. Recently a small batch of XXXX cards were sent and none of them were valid. When I approached American Express on the first card they granted me a {$XXXX} credit to my account ( that is what the card was worth ). Subsequently, XXXX more cards at {$XXXX} each also are invalid. When I approached them again, I was told because I did not save the paperwork that came with the cards there was nothing they could do. Why would I save the paperwork, was I to suspect they sent me cards that would be invalid? Here are the numbers of the invalid gift cards- XXXX and XXXX