davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-21
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: Mercedes Benz Financial Services (CA)

Hi my name is XXXX XXXX a XX/XX/XXXX from XXXX XXXX I have been a customer with Mercedes Benz financial I have had XXXX accounts with them outstanding payment history and great customer I have a vehicle with them right now which is a lease and is going to be a lease return and was trying to get another car but I have a great score and amazing history I got a automatic denial from XXXX XXXX XXXX I asked what is the issue and they said fraudulent and miss representation so I called to get more information they can not provide I believe that they are discriminating me because of my Armenian decent and I have been embarrassed by this act I need help to solve this situation.
Consumer complaint received 2024-07-17
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I made my payment to Capital One on XX/XX/year> after XXXX XXXX XXXX. They counted my payment as the next business day, in which Capital One added late payment fees and charged my account XXXX plus interest. I called on XX/XX/XXXX and XXXX to have this late fee removed plus interest, but the representative would not remove the late fees and interest charges for these late fees. This happened to my account on XX/XX/XXXX, and XX/XX/year> as well. I made the payment on the due date, however, Capital One is counting my payment as the next business day for receiving the payment and charging a XXXX late fee plus interest fees. Please help me resolve this matter. Thanks.
Consumer complaint received 2024-07-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc. (TX)

Received a debt collection letter for a XXXX XXXX account that is fraudulent. We have never had a XXXX XXXX Account, nor have we ever been associated to the address that the energy account was associated with. XXXX XXXX XXXX XXXX XXXX XXXX XXXX at the time the account service was provided, nor have I ever had any accounts with that vendor. I do not have any business or personal relationship with the owner on record for the property that had this account. I have no association with anything to do with the property referenced for collection.
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Reporting act, my rights has been violated. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I had a balance transfer offer from a Bank of America credit card. That's why I did the balance transfer, and I also have regular purchase transactions with the same card. The bank keeps charging interest on the purchase, although I pay in full every month. Sometimes the interest is more than the purchase amount. I have credit cards from other banks too. I never experienced this with another bank.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (SC)

MY truck was totaled, sitting in a junk yard while waiting for XXXX XXXX XXXX to pay it off. However, it is listed on my credit report as late and written off which is a complete lie. XXXX XXXX payed the entire balance.
Consumer complaint received 2024-05-22
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Alorica Inc. (CA)

I got a loan a couple of years ago with XXXX XXXX XXXX. They sold all consumer loans to a new company XXXX  XXXX. I have been making my payments and I happen to make a payment 2 times in the month of XXXX where the second payment went to priciple only so it didnt show for XXXX payment. They reported my payment late on XXXX report which dropped my score a lot and I called them and they wouldnt correct it. I feel they should correct this because now it shows a reverse payment on my account with them but it wasn't like that before. I spoke with a lady on XX/XX/XXXX and she said that she could see that it was showing principle only payment but then a reversal. I am not sure what that is I just want it to be cleared up so I can get this loan for my home.
Consumer complaint received 2024-05-09
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My name is XXXX XXXX. My husband is a XXXX XXXX. He sent me a XXXX XXXX XXXX in the amount of {$3500.00} back in XX/XX/year>. He ask me to give the money to his friend XXXX XXXX. I signed my check over to XXXX XXXX. He deposited the check into his bank account at Bank of America ( BofA ). They called me to make sure the check was not stolen. I spoke to the representative at BofA and assured them that the check was not stolen and that I endorsed it and gave it to XXXX XXXX. I thought everything was fine. But days later, XXXX XXXX called me to let me know that they put a hold on the check and his bank account. The bank told him that they were investigating the matter. They later told him after I believe they found out the check was good that they were going to close his account and send the check back to the XXXX XXXX  They further told him that I would have to contact the XXXX XXXX to make a claim to get the money back. He received his money from his closed out account by his bank. I contacted the XXXXXXXX XXXX  but I was told they I could not file a claim because the bank did not send them the {$3500.00}. I asked XXXX XXXX to contact his bank again and have them return the funds so I can place my claim. He tried calling them again after making numerous attempts to resolve the matter only to be told that they can not discuss it with him because his name is not on the check! I am so frustrated and upset that Bank of America is completely giving the run around for money that DOES NOT belong to them!!! Can someone from your agency please help me with this matter and get The funds returned to me? I would greatly appreciate it. Thank you.
Consumer complaint received 2024-08-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (CA)

made a purchase with online retailer XXXX for {$98.00}, the merchant online store was closed and product never sent. i disputed on chargeback with proof of store closure, and cashapp denied my chargeback stating the merchant provided proof. I requested proof, and cashapp did not send.
Consumer complaint received 2024-06-18
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (NC)

I resided at XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, for a XXXX period while employed as an XXXX XXXX XXXX XXXX XXXX. Throughout my tenancy, I consistently fulfilled my rent obligations ahead of schedule without default. Unfortunately, upon the abrupt termination of my XXXX XXXX  in XXXXXXXX XXXX, I promptly notified the apartment management of my circumstances. To my surprise, I was informed that I had XXXX  days to vacate the premises due to my inability to maintain payment, citing it as a legal requirement. I was never informed of any lease-breaking fees associated with my situation. 

Subsequently, I vacated the apartment within the stipulated timeframe, only to receive a demand for payment months later. Despite my attempts to seek clarification from the management office, I received no response. Instead, I was contacted by a collection agency, which aggressively pursued payment, threatening adverse effects on my record and XXXX XXXX. Despite explaining the circumstances surrounding my departure, the collector remained obstinate and unyielding. 

Furthermore, the amount demanded, totaling {$4400.00} for XXXX months ' rent, is both inflated and dubious. Despite my efforts to dispute this unjust claim and rectify the situation, it persists as a blemish on my credit report. 

Given the protracted nature of this ordeal, I respectfully request your intervention in resolving this matter. Your assistance in addressing this unjust situation would be greatly appreciated. 

Thank you for your attention to this matter.
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXXXXXX XXXX : {$3500.00} ; XXXX XXXX Inquired on XXXX XXXX, XXXX
Consumer complaint received 2024-07-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC (UT)

On XX/XX/year> I made my car payment manually through the BMW financial app. Automatic payment for XX/XX/year> showed {$0.00} due. On XX/XX/year> my bank notified me of being overdrawn as my money market had my money in it as my car payment should not have been withdrawn. I called BMW who informed me that their system does not see the payment not being due and will still pull the payment due. I requested a return of the payment and was told that it would take 15 business days and that they didnt see my first payment on the XXXX was from the website and it was a mailed check. I explained that I have a confirmation code in email from their website. Very predator type automatic payment setup and a lack of correction in a timely matter
Consumer complaint received 2024-07-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

On XX/XX/24, I received a XXXX credit bureau monitoring alert that I C System XXXX XXXX XXXX XXXX XXXX MN XXXX is reported as a collection account on my credit report. I have not done business with or received any communication nor agreed to receive any communication from the company. I dispute the debt. I dispute that I C System owns or has the right to collect the alleged debt. They have violated the FCRA and demand this be removed from all credit bureaus immediately.
Consumer complaint received 2023-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

XXXX and Capital one works together on fraudulent transactions.Capital one gave me XXXX on XXXX and i made purchase XXXX : {$53.00}, {$38.00}, {$68.00}, {$33.00}, {$41.00}, {$4.00}. I added all up comes too {$230.00}, and available should be {$260.00}? when i was in XXXX Utah XXXX XXXX XXXX transaction was Declined for {$140.00}, So i paid {$100.00} cash for other items.Than {$41.00} transaction work on {$41.00} and only groceries i got is XXXX XXXX {$3.00}, and {$2.00} bag donuts ...... But XXXX i saw pending transaction {$61.00} XXXX XXXX for groceries..i never gave XXXX my credit card, only at checkout electronic checkout.Now i called in today XXXX XXXX got XXXX or someone dont speak XXXX to good, not clear, i ask to speak with someone else, i couldn't understand her.She refused to get me someone, understand XXXX guess XXXX owns Capital one, because capital one has to many illegals working there.Online when XXXX login it show balance {$390.00} and available {$150.00}, but when i spoke with them, say i only have {$40.00} available.If i got XXXX limit and i should have {$260.00} available, i supposed to get XXXX of free interested, i supposed to get checks on my account to pay bills.They capital one refused to send them, say they dont do that anymore.But they offer it when i applied for credit card.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc. (OH)

I am requesting an update on account payment history or removal of account from my credit report due to inaccurate information. I do not understand how my account goes from showing as current in XXXX, XXXX and XXXX and then suddenly in XXXXXXXX XXXX XXXXXXXX I am 90 days late. Wouldn't my student accounts have shown 30 and 60 days past due in XXXX and XXXX? The account then goes on to show no data on my XXXX, XXXX and XXXX for several months. I graduated from XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. Something is not adding up here. I am showing no data for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

On XX/XX/2023 I ordered a copy of my credit report and discovered that there were items listed in my consumer report that aren't allowed by law and need them removed immediately. According to the FCRA the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. The rules of construction exclude any report containing information solely as to transactions or experiences between the consumer and the person making the report. Therefore, late payments shouldnt be included in the report as stated in sub section 603 ( b ) ( 3 ). I need these transactions removed from my consumer report because I never provided written permission for the consumer report to be furnished in the first place and under the FCRA subsection 604 ( permissible purposes of consumer reports ) ( a ) ( 2 ) my rights have been violated.
Consumer complaint received 2024-05-15
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. (MD)

I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 
Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

Summary of Accounts being Challenged in list form : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX - XXXX XXXX Account Number : XXXX I listed above all the information that I found to be untrue, incorrect, incomplete, untimely, not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true.
Consumer complaint received 2024-08-01
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: CITIZENS FINANCIAL GROUP, INC. (AZ)

We opened a CD with Citizens that matured in XX/XX/year> and we never received communication that it was maturing. Citizens has renewed the CD for five more years, and will not let us access our funds without a hefty removal fee. We would like our funds transferred back to our original account at XXXX XXXX XXXX, and Citizens is not permitting this. Not everyone is connected to email XXXX, and we never received the original email that our CD was due. I think their practice can be construed as " sneaky '' and on the border of discriminating against age, as our generation would prefer to receive a phone call when the CD is maturing. This is how other banks handle this. 

I think for people who are not on technology all the time, a phone call would be a much better communication tool than email. Citizens responded to the first complaint with a PDF of a maturity notice that they said they mailed us. We never received this letter. Two people I spoke with said that Citizens does not mail letters. I am hoping you can help get our money out of this bank without a penalty fee.
Consumer complaint received 2024-07-30
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: DISCOVER BANK (PA)

XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX- {$25000.00} I used to be able to just select the option to close my CD and transfer the funds into my savings. 

Now, all options are to renew the CD. This is steering and is a bit confusing if not paying attention. 

They force you to call in and it seems like a very strange request to them to close the CD. 

There is an option to close the account, but it just logs you out? 

They make it much more difficult and you must call in for each CD! I have multiple and they can only set this close option within 30 days of maturity? Another lie!
Consumer complaint received 2024-08-17
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PENNYMAC LOAN SERVICES, LLC. (MI)

XXXX, XXXX and demand for disclosures under TILA of all companies who are servicing my transaction and who actually received all my money. 

On XX/XX/XXXX I paid {$1100.00} for for home insurance policy XXXX from my own funds. 

According to response form Artificial Intelligence robo-signer [ robot ] " XXXX XXXX '' which pretend its PennyMac Loan Services , LLC XXXX XXXX XXXX XXXX " on XX/XX/XXXX, we received your latest Insurance Declaration from XXXX XXXX XXXX XXXX XXXX XXXXXXXX, effective XX/XX/XXXX, to XX/XX/XXXX, with a XXXX  due of {$1100.00}, which we paid on your behalf through your escrow account on XX/XX/XXXX ''. 

This is a lie. ALL payments for my home insurance policy are made by XXXX XXXX XXXX and - according to provided to me by lawyer XXXX XXXX XXXX screenshot from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these money were received by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX I demand under XXXX, XXXX and XXXX 15 USC 1641 to provide me a copy of wire transfer receivet, cancelled check, ACH evidencing payment for my home insurance policy on XX/XX/XXXX - or any other time I demand explanations why XXXX XXXX XXXX XXXX for my home insurance - and receive all these money back via its XXXX XXXX XXXX, XXXX XXXX I demand to disclose the source of authority who authorized XXXX XXXX to make payments for my home insurance and the source of funds from which XXXX XXXX makes these payments to themselves acting under name of XXXX XXXX XXXX. 

I demand to disclose the name and direct contact information of an authorized employee who made this payment and who can verify it. 

I demand to provide me the name and direct contact information for the Creditor who owns the account receivable from which this escrow payment was made.

I demand a copy of the ledger of this account receivable evidencing that payment for my home insurance was made from my escrow money.
Consumer complaint received 2019-08-15
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 — Investigation took more than 30 days
Company: CarMax, Inc. (TN)

In an event unrelated to the company, I have a missing payment. However, the past due minimum payment that was disclosed in the billing statement, and the payment module for the company was made on XX/XX/2019. The payment was not applied to the payment due, and delinquency was reported to the consumer credit reporting agencies. I have requested the delinquent comment be removed.