davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ARC Management Group, LLC (MD)

Arc management group has harassed me, trying to collect a debt that is not accurate and has already been paid for by insurance. I have provided documentation to prove that I do not owe the debt. I have the proof of payment, proof of updated balance due. They refuse to take this off my credit and it is hindering my ability to obtain student loans.
Consumer complaint received 2024-06-28
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Avant Holding Company, Inc. (TX)

Numerous times I have made online payments with my debit card, it will state that the payment is processing and withdraw from my debit card. Then it fails they remove or cancel the debit card payment stating that it failed when that is false. I have another loan with another lender and they process debit card payments with NO PROBLEMS. 

But this lender AVANT is being deceptive in the statement stating they allow debit card payments but they always cancel them. Forcing you to use on a checking account. Then they allow you the option to change banking information because you a leary of there process and don't want to fall vicitim to thier scam or fraudulent business practices. 

All I want to do it pay my bill. They wont even allow me to pay more then bill amount. Cause further debt by charging more Interest on the loan. Because they only allow you to pay the min balance due.
Consumer complaint received 2024-07-08
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: M&T BANK CORPORATION (WA)

Our mortgage with M & T Bank started in XX/XX/year>. The escrow account started with a balance of {$890.00} and in XXXX ; years the balance was $ XXXX. I reached out to M & T 's escrow department, spoke with XXXX different supervisors and they refused to acknowledge their errors and created a financial hardship by unnecessarily increasing our monthly escrow payment from {$290.00} to {$420.00}. Before any adjustments were made on XXXX I requested to make a lump sum payment to our Escrow account so we could reduce the monthly Escrow amount. Customer service flat out said that couldn't be done. They have repeatedly cited requirements from the Real Estate Settlement Procedures Act ( RESPA ) but continue to violate these requirement themselves. ( never a negative balance, 2 month reserve and accurate yearly Escrow Analysis etc. ) We requested an XXXXOfficial ' release from our Escrow account and M & T denied it without merit or justification other than 'policy '. Because we felt the appropriate representative within M & T hadn't seen our request or given it full consideration we submitted a fully detailed and reasoned appeal requesting connection and contact from the deciding individual ( XXXX ). We received another corporate response with no explanation.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Cascade CISS Holdings, LLC (TX)

Inquiries that WERE NOT AUTHORIZED AND NEED TO BE removedremove : * XXXX XXXX  : XX/XX/XXXX - XXXX * XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -on all XXXX bureaus XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XACTUS-AVANTUSXXXX-XACTUS LLC- XXXX XXXX XXXX XXXXXX/XX/XXXX - all XXXX bureaus XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-08
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC (MS)

on XXXX i sent rentdebt XXXX  $ for the debt for XXXX XXXX  paid in full and it should have been deleted from my credit report. they are trying to collect a false amount and i want it to be delete from my credit report.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I spoke with XXXX on XX/XX/XXXX about information on my credit report in regards to inquiries. There were some that I did not authorize. XXXX XXXX on XX/XX/XXXX, XXXX  on XX/XX/XXXX and XXXX XXXX XXXX on XX/XX/XXXX. I asked them to please delete the inquiries and they told me I need to file a complaint here in order to get them deleted from my credit file.
Consumer complaint received 2023-09-15
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)

Request for Closure of Child Support Case and Removal from Credit Report Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against the XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, TX for serious violations of my consumer privacy protection rights. Specifically, they have added a child support case to my credit report without my knowledge, consent, or permission. 

Under 15 U.S. Code 1682e ( b ) and 15 U.S. Code 1681i ( 5 ), it is evident that the reporting of this account is in violation, as it inaccurately lists the XXXX XXXX court as the furnisher. This misleading information is a form of forgery and is detrimental to my creditworthiness. Moreover, it is a clear violation of permissible purposes as outlined in 15 U.S. Code 1681b. Without my direct written consent, reporting such information is against the law. 

The child support case in question was created by the custodial parent, also without my consent, permission, or knowledge. This further compounds the infringement on my rights. 

In accordance with the 2007 Miller v. Trans Union, LLC ruling, child support cases are not meant to be reported on credit reports. This is a matter of public record and should not be included in my credit history. It is essential to note that this information has not been derived from a credit transaction, and its presence on my credit report is both unwarranted and detrimental. 

I kindly request the immediate closure of this child support case and the subsequent removal of any associated information from all three credit bureaus. I trust that this matter will be resolved expeditiously, and I request written confirmation once the necessary corrections have been made. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX
Consumer complaint received 2024-06-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC. (TX)

On XX/XX/XXXX I received a text from SoFI advising a suspicious transaction was just attempted. I confirmed I did not complete this transaction. I immediately called and the rep advised they froze my card and I could probably use it the next day. She did not seem knowledgeable about how to handle the situation. I had to call back in- 2nd rep issued issued me a new card and advised to call back to dispute the charge when it posted. I disputed the charge on XX/XX/year>. Upon hearing nothing and it being the 10th business day I followed up and requested my provisional credit due to the time it was taking to complete the investigation. Mind you the bank is the one that caught the fraudulent charge to begin with- clearly hit their algorithms. The rep apologized for the delay and it was still being investigated. I requested a provisional credit to which I did not receive. The transaction in dispute is {$1600.00} which is a lot of money. Please conduct an investigation into SoFI practices and help me get my money back. Thank you!
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Advanced Resolution Services Inc. (NY)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-09-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

I am writing to seek help from Bank of America regarding a claim on XX/XX/2023, that has been recently closed. 

On XX/XX/2023, I visited a Bank of America ATM located in XXXX XXXX, Texas ( XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX ) to deposit {$1500.00} into my bank account. After I inserted my money into the ATM, an error occurred, and it printed out a receipt showing only {$1000.00}, which was {$460.00} short. Unfortunately, the bank was closed at that time, so I immediately called the number provided on the receipt to file a claim. As a result, an associate provided me with a temporary credit of {$460.00}. 

On XX/XX/2023, a message regarding the claim was sent to my bank account. However, I did not notice it initially because the message did not appear in the mobile app ; it only became visible when I accessed Bank of America through a computer. The content of the message stated, " We found the transaction you referenced but were unable to locate any record of cash or additional cash being deposited at the ATM for {$460.00} between XX/XX/2023, and XX/XX/2023. '' On XX/XX/2023, a credit reversal of {$460.00} was applied to my bank account. It was only at this point that I checked the message through a computer and realized the message sent by Bank of America, indicating that the case is now closed. 


on XX/XX/XXXX, I called bank of America ad they reopen the claim, they said they will get back to me in 3 business days, then 2 days later, they called and said there will be someone call me in the next 7 business days. it is taking so long now, and that money is really important to me since I am a college student living on paychecks and trying to pay my tuition. 
Claim ID : XXXX
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 an 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 2024-07-03
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: BARCLAYS BANK DELAWARE (TX)

The negative rating on my account is of great concern to me due to its impact on my credit. It has already led to a loan application rejection and higher interest rates on my current credit accounts. This situation is causing me considerable financial and emotional stress, which will persist until resolved.
Consumer complaint received 2023-11-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I received a large settlement XXXX XXXX XXXXXXXX and XXXX deposit it into my account by adding potions to all accounts and opened investment account. Over this time while paying bills and etc. I noticed my money was not being in my accounts and then getting very low. Ive reached out to Bank Of American several several times to get help, but online banking over phone say they didnt see any large deposits in any of my accounts.

Ive went to several different branches to get help trying to see whats going on, but again they tell me and look at me crazy when I let them know I did make a large deposit XXXX beginning of your, but they still say the system not showing any large deposits. 

I made several more attempts and on XX/XX/2023 attempted again at branch with lady in her office. They made me feel like I was doing something wrong and crazy in the head thinking I should have that large amount of money and its missing out of my accounts. 

Ive made one more appointment for XX/XX/2023 and have went over my account several times and have accounts information wrote on paper trying to find the issues and wrote the amount down I post to have in my account. XXXX XXXX got injured on my job so this money is all I have to pay my bills until XXXX  approval my benefits. 

Please help me get ALL my money back into my account. 

Thank you,
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Entrata Inc. (SC)

Entrata INC made a rental inquiry on my credit report without my knowledge and put a Hard Inquiry on my credit report just for me applying for an apartment, I've never had a Hard Inquiry put on my credit report when applying for an apartment, this is unacceptable and unprofessional for a Tenant screening to put a Hard Inquiry on my credit report.
Consumer complaint received 2024-07-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc (FL)

On XX/XX/XXXX I was involved in a car accident which led me to XXXX XXXX where I spent two hours having medical attention. Two weeks later, I received two bills for {$90.00} and {$480.00}. I paid the {$90.00}, and I gave them my automobile insurance info for them to ask for the {$480.00} payment. They did not contact the company, and they kept on sending bills to me. The last bill I received from them in XX/XX/XXXX was over {$500.00}. 
on XX/XX/XXXX, a credit collector called me asking me how I could pay the bill. Once again, I gave the credit collector my accident claim number to enable them to better handle the case. They sent a bill of {$4600.00} to XXXX XXXX ( my insurance company ). XXXX XXXX paid {$3600.00}. 
On XX/XX/XXXX, I received a bill from XXXX amounting to {$1000.00}. I refused to pay because XXXX fraudulently charged me a bill of {$4600.00}.!!! Remember!!! the bill was over {$500.00}. 
Today, XX/XX/XXXX, I received I received a letter from a credit collector asking me to pay the the remaining {$1000.00} by XX/XX/XXXX.
Consumer complaint received 2024-07-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (TX)

I'm writing regarding a collection entry on my credit report from your agency. This entry is concerning, as I wasn't previously notified about this collection and I question the debt 's validity. Under the Fair Debt Collection Practices Act, I'm entitled to request debt validation. I formally ask you to provide this validation and address this matter.
Consumer complaint received 2023-12-21
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA (NY)

I have several credit cards account opened in my name without my consent. I noticed this been done when i tried applying for an apartment and my credit report had all of these credit cards account open which affected my credit scores and opportunity to get the apartment. I need my credit to be repaired and to remove all of these fraud accounts that were open without my knowledge. It isnt fair for me to be stuck and having to pay for something i didnt authorize.
Consumer complaint received 2023-09-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (CA)

I have tried several times to address this with Care Credit most recently they wanted an XXXX  which I now have. The dispute was over the SPECIAL RULE FOR CREDIT CARD PURCHASES. The problem with the QUALITY of the service is that it was FRAUD. It was billed and sold as a " XXXX XXXX XXXX XXXX XXXX XXXX XXXX The attached XXXX  report notes XXXX XXXX XXXX  '' under XXXX and concludes in CONCLUSION " No significant interval change. '' That is to say the XXXX  from BEFORE the XXXX  and AFTER show no effect from the XXXX.
Consumer complaint received 2024-07-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (TX)

I'm writing regarding a collection entry on my credit report from your agency. This entry is concerning, as I wasn't previously notified about this collection and I question the debt 's validity. Under the Fair Debt Collection Practices Act, I'm entitled to request debt validation. I formally ask you to provide this validation and address this matter.
Consumer complaint received 2024-07-09
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Eastern Account Systems of Connecticut, Inc. (FL)

EASTERN ACCOUNT SYSTEM stated they verified this particular debt with the original creditor that they claim I have. Under The Fair Credit Reporting Act, 15 U.S.C. 1681. I would like to know the process or procedure that you used to verify this debt.
Consumer complaint received 2024-06-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

From XXXX multiple unauthorized charges to my account from a merchant I had done business with prior to these unauthorized charges. Citizens bank absoloutley ignored me and refuses to provide me with any/all documents or documentation as to why they are not protecting my money in my account with them. I did NOT authorize the questioned transactions and my account is now in the negative due to their refusal to reimburse my money to my account!!! I also had a {$190.00} XXXX charge to my account this month and still have not been provided any proof as to who made these transactions, whether my debit card was present and/or whether my PIN was used or not. They have completely ignored me and have dismissed my CFPB complaints. I highly suggest anybody with money in a citizens bank account REMOVE your money as they will not and DO NOT protect their customers!!! I am demanding my money be reimbursed or some type of visible proof as to why they are not giving me my money back. I DID NOT AUTHORIZE ANY OF THE TRANSACTIONS FROM XXXX AND DEMAND THIS BE CORRECTED IMMEDIATELY I AM PROTECTED UNDER REGULATION E BY THE FEDERAL GOVERNMENT!!!
Consumer complaint received 2024-06-27
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: CarMax, Inc. (GA)

1. **Violation of Truth in Lending Act ( TILA ) ** : - TILA requires clear and accurate disclosure of finance charges and the total of payments. Presenting the finance charge as an estimate rather than a definitive figure prevents me from knowing the exact total of payments and hinders my ability to seek an appropriate remedy. 
- Firstly, correcting this violation would ensure knowing the exact total of payments, enabling better financial planning and remedy-seeking between all parties involved. 
2. **Violation of Georgia Retail Installment and Home Solicitation Sales Act** : - This act requires essential provisions, including finance charge calculations, to be clear and included in the contract before signing, which was omitted. 
3. **Violation of Fair Credit Reporting Act ( FCRA ) ** : - The FCRA mandates accurate reporting and proper communication regarding debts. Two different companies, CarMax Business Services , LLC ( listed as contract assignee and financer ) and CarMax/CarMax Home Office/CarMax , Inc. XXXX have been reporting a charge-off without clarifying whether the debt is forgiven and to what amount amongst other incomplete and inaccurate information over time. 
4. **Violation of Internal Revenue Code ( IRC ) Section 6050P** : - IRC Section 6050P requires creditors to file Form 1099-C with the IRS when a debt XXXX {$600.00} or more is canceled. CarMax Business Services, LLC or CarMax/CarMax Home Office/CarMax , Inc has failed to file this form within two years of the charge-off being publicly reported to credit bureaus, seemingly trying to cause more financial harm of tax issues. Not filing nor reaching out but repossessing once XXXX filed regarding violation. 
5. **Violation of Georgia Code 10-1-36** : - Georgia Code 10-1-36 requires a post-repossession notice within ten days of repossession that has not been received.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: FactorTrust, Inc. (FL)

I am a XXXX  XXXX  XXXX, a form of XXXX XXXX where I was compelled to incur debts under coercion, leading to several negative entries on my credit report. I am currently working with a representative from the XXXX XXXX, which assists XXXX XXXX XXXX. We are utilizing the protections afforded under Section 605C of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies remove adverse information associated with XXXX  experiences upon the submission of an official claim.