davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group (CA)

According to the Fair Credit Reporting Act ( 15 USC 1681, Section 602a ), " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies, and as a consumer, I have the right to ensure my private information is not shared. This right is supported by 15 USC 6801, which states, " It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Under this title, furnishers of information to credit agencies are defined as financial institutions. 

15 USC 1681, Section 604a2, states, " In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Neither XXXX, XXXX XXXX, XXXX, nor the financial institution furnishing information to credit agencies have my consent, written or otherwise, to furnish this information. Therefore, I revoke any and all consentverbal, non-verbal, written, implied, or otherwiseto XXXX, XXXX, and the furnisher of information to credit agencies. 

15 USC 6802 ( b ) ( c ) states, " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The furnisher of information to credit agencies has never informed me of my right to exercise my nondisclosure option. Additionally, 15 USC 1681C ( a ) ( 5 ) states, " Except as authorized under subsection ( b ), 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. '' This account is an adverse item being reported without my permission, which is against the law.

15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ) states, " 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. '' Additionally, 15 U.S. Code 1681e states, " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Furthermore, 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am hereby opting out of your reporting services.
Consumer complaint received 2024-05-29
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: HYUNDAI CAPITAL AMERICA (NJ)

XXXX HYUNDAI CONTACTED ME ABOUT GETTING OUT OF MY LEASED XXXX XXXX EARLY BECOUSE THE WERE RUNNING A PROMO TO UPGRADE AND GET OUT OF CAR LEASE EARLY AND THEY WOUD PAY EXCESS MILEAGE CHARGES AND REMAINING MOTHS ON LEASE TO UP GRADE SO AFTER MANY PHONE CALL WTH XXXX XXXX XXXX Hyundai XXXX XXXX XXXX XXXX, NJ XXXX WE FIALY AGREED AFTER MANY PHONE CALL & EMAILS ABOUT PRICE OF NEW LEASE AND EXCESS MILEAGE CHARGES, REMAINING LEASE PAYOFF, I WENT TO SIGN PAPERS AND ABOUT 30 DAYS LATER I RECIEVED LTR SAYING I OWE XXXX DOLLERS IN LEASE END BALANCE. THEY LIED TO ME NOW SAYING THE DID NOT PAY OFF EXCESS MILAGE ITS MY RESONSIBILTY I NEVER WAS TOLD OR SIGNED ANY PAPERS ON NEW LEASE ABOUT THIS XXXX THEY TOOK ADVANTAGE OF ME BECOUSE MY HUSBAND WAS NOT PRESENT XXXX XXXX IS PROBELY THE MOST CROOKED CAR SALEMAN IVE EVER MET XXXX XXXX IS A MANAGER IS A XXXX XXXX, XXXX XXXX OWNER IS A XXXX XXXX XXXX XXXX. I WOULD HAVE NEVER UPGRADED MY CAR IT MAKES KNOW SENCE WHAT THERE DOING TO ME WAT WAS MY MOTIVATION TO GET OUT OFF LEASE IF I HAD TO PAY XXXX DOLLERS UMM. LET ME SEE PAYOFF OFF MILAGE AND REMAING PAYMENTS OF LEASE. THEY NEVER INFORMED ME AT LEASE PAPER SIGNING THE WERE NOT PAYING MY PAYMENTS & MILAGE OFF. I WOULD HAVE WAITED OR JUST BOUGHT THE CAR OUT THEY TOOK TOTAL ADVANTAGE OF ME BEING A WOMEN AND NOT PROPERLY TELLING THEY WERE GOING TO XXXX XXXX WITH A BILL DOWN THE ROAD PLEASE NOTIFY Consumer Financial Protection Bureau ( CFPB ) FOR ME TOO ME BEING A WOMEN WAS TREATED TO DECEPTIVE PRACTICES AT THE BEST AND WHEN I CALLED THEM THEY TALKED DOWN TO ME LIKE I HAD XXXX XXXX XXXX XXXX XXXX XXXX STEERING / DECEPTIVE PRACICES AT IT BEST GOT TO GO I HAVE TO FILE MY complaint with Deceptive car dealers The Federal Trade Commission NJconsumer protection agency The Federal Trade Commission The Consumer Financial Protection Bureau WILL DO XXXX XXXX XXXX XXXX THE SALE MAN SAID THE REASON THE BILL IS {$1500.00} XXXX IS THEY WERE SUPPOSED BUY CAR OUT INSTEAD THEY AUCTION OFF CAR HE SAID HE WAS GOING TO TALK TO OWNER ABOUT MISHAP THEIR WAS NO REASON FOR ME TO RETURN CAR WITH LEASE AHEAD PROGRAM ( XXXX DOLLERS INCENTIVES PROGRAM 1 MONTH ON LEASE LEFT THE WHOLE REASON IS THEY WERE SUPPOSED PAY OF EXTRA MILAGE ON CAR OTHER WISE I WOULD HAVE KEPT CAR XXXX XXXX 1000 % AGREES WITH ME CALL HIM SPOKE TO HIM YESTERDAY >Hide original messageEdit On Wednesday, XX/XX/XXXX at XXXXXXXX XXXX XXXX, XXXX, XXXX XXXX wrote : Hello, We have received your complaint against XXXX Hyundai. In order to proceed we ask that you send in supporting documentation ( Copy of your old and new lease as well as the old and new sales contract ). Please mail or fax these back only. See below for our information. 
Thanks, XXXX XXXX XXXX XXXX Department of Public Safety Division of Consumer Affairs XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Phone XXXX Fax XXXX
Consumer complaint received 2024-05-28
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: CAPITAL ONE FINANCIAL CORPORATION (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX Missouri Laws Dear CAPITAL ONE, 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 ), as well as identity fraud laws specific to XXXX XXXX XXXX Missouri. 

It has unequivocally come to my attention that CAPITAL ONE has 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, specifically in XXXX XXXX, underscores the necessity of consumer consent for credit reporting. The identity theft and fraud provisions in Missouri 's Revised Statutes Sections 570.223 and 570.224 emphasize the severe repercussions for unauthorized use of personal information, which includes credit reporting without explicit consumer consent. 

I assert with unwavering certainty that I have not provided consent for CAPITAL ONE 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 CAPITAL ONE immediately cease 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 Missouri state laws against identity theft and fraud. 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 laws. 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 CAPITAL ONE will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith. 

XXXX XXXX
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC (PA)

On my credit report they still got me owing {$13000.00} for my flagship car loan but my gap insurance paid, and it should only have me owing XXXX. I contacted flagship and they have the correct amount of XXXX, but the credit bureau refuse to change it
Consumer complaint received 2024-05-28
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc. (MD)

Re : XXXX XXXX XXXX Account # : XXXX Dear I received a validation response to my request for verification on the debt sent to me on XX/XX/XXXX. However, you just sent me a bunch of statements with no other designation or proof of ownership of the debt or identification of the original creditor and subsequent assignees of the debt. As you know under 15 USC 1692g ( a ) the CFPB recently increased the requirements of a debt collectors validation response to the following : Name and mailing information of the debt collector ; and Name of the creditor to whom the debt is owed ; and Account number ( if any ) associated with the debt ; and An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date that you may be able to recognize or verify with records ; and The current amount of the debt as of when the validation notice is provided. 
None of the above were provided to me in your response on >>>>>>>>>> PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT ANY ASSIGNMENT FROM THE ORIGINAL CREDITOR WITH MY NAME AND ORIGINAL ACCOUNT NUMBER ON THE ORIGINAL DEBT ALL INFORMATION ON THE SECURITIZATION OF THE DEBT AND PROOF THE DEBT WAS ASSIGNED BACK TO UNDER FEDERAL LAW : Pursuant to XXXX XXXX XXXX, XXXX, XXXX & XXXX, XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XX/XX/XXXX ), and 15 USC 1692g ( b ), you are required to cease and desist from collecting upon the debt ( including contacting a debtors credit ) until you properly validate and verify the debt amount. 

Please do not look at my credit or report anything to my credit reports as I dispute I owe this debt to you and that dispute should be stated on my credit report. Do not contact my credit report. 

Thank you for your immediate cooperation. 
_____________________________ XXXX XXXX
Consumer complaint received 2024-05-28
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (TX)

Date from letter from Synchrony Bank XX/XX/2024 Billing Statement from XX/XX/2024 Account ending in XXXX I have had an account with Synchrony for almost 3 Months. We elected to use no -- interest on the XXXX XXXX bed purchase. We paid over $ XXXX dollars on our first payment. Then we waited for the second invoice to come in. We did not receive it until we got a late notice. I called an explained to the service center that it is difficult to pay for something when you don't receive the invoice as I pay by check. I was advised to pay on XXXX line. I told the service center that I did not want to pay on-line. They charged me {$30.00} for a late fee. 

I am not responsible for the post office, and I have no control over Synchrony Bank if and when they send the next invoice to me. This is just a ploy to extract money out of people. I paid over $ XXXX on the next payment as I have the means to pay. This is not ethical as I am paying the purchase and I have paid a lot over the minimum ( {$280.00} is my minimum and I am paying over {$1000.00} each time I send a check to them ). This is not consumer protection as I did not do anything wrong. I am almost ready to pay off the entire bill but I have no rights once it is paid off. Please keep this company honest.
Consumer complaint received 2024-05-28
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (FL)

I received a vanilla gift card for {$500.00} on XX/XX/year>. I was unable to use the card at any merchants because they all required a ZIP Code. When I called vanilla gift card in order to register my card, I was not able to add an address as they stated because it was a gift card it is anonymous and address can not be added. When I explained that I could not use the card since it was an anonymous at any merchants, they agreed to refund me if I sent photos of the front and back of the card along with a refund request number which they provided me ( XXXX ) and a letter explaining everything. I sent all of this on XX/XX/year> and received an email back stating that I receive a refund delivered to my address in 7 to 10 days. When I called to follow up after not receiving anything on XX/XX/year>, I was informed that they had not received any of the documents. I reproduced the email which I sent to the correct email address, which I verified with them and resent all of the documents again. I again never heard back. I called on XX/XX/year> and was informed again that they had not received my documents and resent all of the documents again on XX/XX/XXXX, XXXX after not hearing from from anyone regarding my refund. I was informed that my case was being escalated and I would hear from someone within 24 to 48 hours. On XX/XX/XXXX, I called again and informed them that no one had returned my call. They again promised me that I would hear from someone at the latest by XX/XX/XXXX. Again, I never heard back from anyone so I called once again on XX/XX/XXXX today again and I was told that there was nothing they could do and I would just have to wait to get a refund or hear from anyone. They gave me a new case number for a callback, which is XXXX. Its clear this is a scam and they have no intention of refunding me. The company is Vanilla Gift and the cards are through incomm. There are numerous customers online on XXXX etc who complain about the same issues with Vanilla Gift cards and InComm. 
Thank you
Consumer complaint received 2024-05-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (MI)

Per phone call, debt paid on XXXX through employer withheld funds. Also paid XX/XX/year> was {$1300.00} paid to the attorney from Michigan Dept of Treasury. Attorney is holding funds for 45-60 days - understandable. But now they're telling me that it's an ADDITIONAL 45-60 days until they can release funds. Although they personally verified that both employer and state tax had fulfilled the judgment in full two months ago. Attorney refuses to release funds sooner.
Consumer complaint received 2024-05-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Indie Technology DBA Found (GA)

Had a XXXX XXXX account from someone in another state filtering my money to their account since XXXX last year. Over {$1000.00} and FOUND BANK refuses to reimburse and secure my account.
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital one XXXX Open date : XX/XX/XXXX Paid in full XX/XX/XXXX XXXXXXXX XXXX : XXXX XXXX date : XXXX XXXX This account is still open paid as agreed XXXX XXXX  XXXX Open XXXX XXXX Balance is reporting inaccurate XXXX Balance XXXX XXXX XXXX Open XXXX XXXX XXXX XXXX Account has been paid off XXXX XXXX
Consumer complaint received 2023-10-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (MA)

Edfinancial keeps reversing my student loan payment every time I attempt to make a payment. They don't notify me when they reverse my payment, nor do they give me any reason as to why it is reversed. On my bank account, it appears that they never even attempted to take out money at all ( I continually check and there's never any mention on my bank account about a pending payment to Edfinancial. Nothing at all ), even though it says " processing '' on Edfinancial. When I attempt to call them to ask the wait times are 4+ hours and you can't get a hold of anybody. And their call line is only available weekdays 9-5, which is when most people are working, so most people having this problem wouldn't be able to wait that long on the phone. I select the " have somebody give you a call back '' option but they never, ever call me back. And there's no option on their website to pay another way ( like pay-by-phone, etc ), so I really just have no way to make my monthly payment in spite of multiple attempts on my end. Meanwhile interest is still accruing. It's messed up and it still has not been resolved. And yes, i've verified that all my bank and contact info is correct and accurate on Edfinancial.
Consumer complaint received 2024-05-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC. (CA)

There was a inquiry made on my credit report without my consent. 

I am victim of identity theft, and on my XXXX, XXXX, and XXXX i have a Personal Statement Alert : FRAUDULENT APPLICATIONS, and specifically says First Verify the identity of the applicant. It can be reached at XXXX The Company EXETER FINANCIAL LLCXXXX Unauthorize an Inquiry on my credit report without my permission.
Consumer complaint received 2024-05-28
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: U.S. BANCORP (MI)

Talked to a representative at US Bank approx XX/XX/XXXX XXXX to obtain a paid loan confirmation. They said it would be sent out on XXXX XXXX. I never received, called again 5 times over the next 8 weeks to try to obtain the paid loan confirmation. Everyone I spoke with confirmed they showed it was paid off XX/XX/XXXX. Each representative assured me I would be receiving the document. Still have not received.
Consumer complaint received 2024-05-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current (NM)

The company current claims they cant deposit money orders but they deposited one and not the other. Both were cashed by the bank ( or company ). They refuse to credit the account, and the {$200.00} check/money order is unable to be cashed as it has already been cashed.
Consumer complaint received 2024-05-28
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (NH)

Hi Amex, I am writing to express my frustration and disappointment with the handling of my sign-up bonus points for my Amex XXXX card. Despite numerous communications with your customer service representatives and supervisors, my issue remains unresolved, and I feel that I have been repeatedly misled. 

On XX/XX/2024, I spoke to a supervisor named XXXX regarding the status of my sign-up bonus. Prior to this, I had communicated with other customer service representatives on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2024, all of whom confirmed that I had a sign-up bonus offer on my Gold card. They assured me that I would receive the points once I hit the minimum spend of {$6000.00}. 

After meeting the required spend, I did not receive my points. Subsequently, I was told by another representative that I did not have an offer. This is particularly frustrating because I clearly remember signing up for the XXXX card due to the banner advertising the sign-up bonus. 

When I spoke to Supervisor XXXX on XX/XX/XXXX, he assured me that he would follow up with the agent and that I would receive my points once I met the {$6000.00} spend. Despite meeting the spend requirement, my points were never added. 

I reached out again on XX/XX/XXXX and XX/XX/XXXX to follow up, speaking to XXXX XXXX on the latter date. XXXX assured me that the points would be added manually when my statement closed on XX/XX/XXXX. This, however, did not happen. 

Each time I reach out to customer service, the regular agents can not see the supervisor notes and provide conflicting information. I have had to repeatedly request to speak to a supervisor and explain my situation from the beginning every time. This lack of communication and consistency has caused significant inconvenience and frustration. 

I am deeply disappointed by the way my case has been handled. I feel that my concerns have not been taken seriously, and I have not been provided with a timely resolution. I demand an urgent review and immediate crediting of my sign-up bonus points for the Amex XXXX XXXX. The inconvenience I have faced due to this issue is unacceptable, and I expect swift action to resolve this matter. 

Thank you for your prompt attention to this complaint. I look forward to your immediate response.
Consumer complaint received 2022-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the fair credit reporting act XXXX  accounts listed below has violated my civil rights : l15 U.S.C 1681section 602 A. States that I have the right to privacy. 15 U.S.C 1681section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 




Listed below Inquires not done by me that needs to be taken off of my credit report : XXXX  XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX