davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-09
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have a Visa credit card with Bank of America. Recently, I missed one payment due to a lack of funds. One week later, a friend of mine received a call from Bank of America asking him to relay a message to me. The bank never contacted me directly via phone, mail, or email. This friend is not associated with my account, and we do not speak regularly. 

Upon learning about this call, I contacted Bank of America for an explanation. I was informed that my account was in collections due to being one week late on a payment. I have never missed a payment in the past, although I have been paying the minimum amount each month. When I requested to speak with the collections department, I was told they were unavailable as it was a Saturday at XXXX XXXX 

I am extremely concerned about how my friend 's contact information was obtained and used by Bank of America, and why my account was placed in collections after only one week of a missed payment. This situation has caused me significant distress and I seek a thorough investigation and resolution.
Consumer complaint received 2024-07-10
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: NCB Management Services Inc. (GA)

The car I had before was stolen, I told the auto creditor to talk with the insurance and I have a gap insurance the taken care of the payment owned on the car. I dont know they resolved with insurance company and, they sued me for {$5000.00}. 


Im try to resolve the matter to negotiate the price where I can able to pay but the debt collector not allowing me to do so.
Consumer complaint received 2024-07-10
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: Nelnet, Inc. (MI)

I have XXXX XXXX  accounts on XXXX and XXXX on XXXX I told XXXX  that addresses on the account wasnt my address where I lived so I couldnt have known credit reporting was going to take place or the account was delinquent so I did some digging I discovered that I NEVER LIVED THERE. XXXX told me that they notified they especially if they were sending the correspondence I couldve made a payment on the primary borrowers behalf if I knew my credit was to risk
Consumer complaint received 2024-07-10
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: World Acceptance Corporation (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX Missouri Laws Dear WFC, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity fraud laws, specifically Missouri Revised Statutes Chapter 570. 

It has unequivocally come to my attention that WFC 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 Chapter 570 of the Missouri Revised Statutes, emphasizes the necessity of consumer consent for credit reporting and establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for WFC 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 WFC immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri state law. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that WFC will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

On XX/XX/2023 someone presented a fake license in my name and withdrew {$5000.00} from my personal checking account. They withdrew with a counter withdrawal slip {$2500.00} at XXXX XXXX XXXX, XXXX, LA Teller : XXXX XXXX ; Bank Manager ( XXXX XXXX ) - signing an entirely different name from mine ( true account holder ) and still successfully received cash money. They withdrew {$2500.00} again at another location on same day : XXXX XXXX XXXX, XXXX, LA. I spoke with Capital One Fraud team and both bank Managers in an attempt to secure the account and to refund money stolen and to secure the video footage associated with the felony on XX/XX/2023. I filed a police report on XX/XX/2023 and met with my local Capital One Bank Manager and a member of Fraud team ( called in to the physical meeting ) to get incite on when any of my residual funds would be accessible ( I needed money to pay bills ) and to find out if money would be refunded that was stolen. I was advised it would take another 3-5 business days before new accounts would be accessible containing my residual funds. The {$5000.00} should have never been released due to an erroneous signature noted on the withdrawal slip that didnt match name on file for account and without additional identity verification before giving away the account number to the thief. There are no real security measures at Capital One Bank!! None.
Consumer complaint received 2024-07-10
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: Affirm Holdings, Inc (MD)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-07-10
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: CITIBANK, N.A. (MD)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-07-06
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (CA)

Ally Financial refuses to amend inaccurate information for auto loan that is over 8 years old. The vehicle title was released free and clear and titled was mailed to me in 2017. I have repeatedly requested Ally change the incorrect information on my credit report ( the information listed makes no sense, showing payments made AFTER the lien was released and car title sent to me ). 
I have filed numerous disputes with the credit bureau and submitted document proof of title.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: PLAID INC. (WA)

I'd verification company like plaid and other I'd software won't allow use of XXXX  ID as a approved I'd its issued by a XXXX government and this is another barrier in place to keep XXXX  XXXX  in poverty and needs to be addressed and fixed nationwide if not I will file a class action lawsuit and take this act of discrimination to the Supreme Court
Consumer complaint received 2023-10-26
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: Experian Information Solutions Inc. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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 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 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NCB Management Services Inc. (NV)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX And NCB MANAGEMENT SERVICES INC XXXX XXXX XXXX XXXX, PA XXXX Pre- Arbitration Demand Notice DateXXXX XXXX XXXX XXXXXXXX Dear XXXX XXXX XXXX, I am writing to you as a consumer who has been wronged by the actions of XXXX XXXX XXXX and NCB MANAGEMENT SERVICES INC . I firmly believe that XXXX XXXX XXXX and NCB MANAGEMENT SERVICES INC have committed a material breach of contract, violated the Fair Debt Collection Practices Act ( FDCPA ), and engaged in other wrongful conduct, resulting in significant harm and damages to me. 

This is a huge violation! How did you verify this Account? This is not even me. My Privacy of information has been breached! 

It is my allegation that XXXX XXXX XXXX and NCB MANAGEMENT SERVICES INC have breached their contractual obligations by engaging in unlawful debt collection practices, which have caused me to suffer both financial harm and emotional distress. Furthermore, they have neglected to investigate my dispute under the Fair Credit Reporting Act ( FCRA ). 
I am also aware that the underlying contract contains a binding arbitration agreement mandating that disputes be resolved through arbitration rather than litigation. I am fully committed to enforcing this agreement and pursuing arbitration in accordance with the terms of the contract and applicable law. 
Based on the aforementioned circumstances, I am demanding the sum of {$5000.00} in compensation for the harm and damages endured as a result of XXXX XXXX XXXX and NCB MANAGEMENT SERVICES INC wrongful conduct. 

I implore you to take swift action to address this matter, as I firmly believe that prompt resolution is in the best interest of all parties involved. I reserve all rights and remedies available under the law and the terms of the contract. I am filing a complaint against you with the CFPB and the XXXX XXXX XXXX. 

Thank you for your attention to this matter, and I anticipate your prompt response. Please be advised that if resolution is not reached within 30 days from the date of this letter, I will proceed with filing a case with XXXX arbitration. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I am writing once more to express my perplexity regarding your credit bureau 's handling of the investigation into the fraudulent account on my credit report. As you are aware, I have submitted the required FTC report to the Federal Trade Commission regarding this fraudulent account, and following this submission, XXXX and XXXX have removed this account from their records. I have also directly contacted the bank associated with this account, and they have confirmed the removal of the account. Therefore, I am puzzled as to why this account is still being reported by your bureau. It is imperative to recognize that as a credit bureau, you are legally mandated to ensure the accuracy and timeliness of your records. Failing to remove this fraudulent account not only violates this obligation but also exposes me to further harm. 

XXXX XXXX
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

This Consumer Note is my official call for you to discontinue reporting of the items below-displayed and aforementioned contested allegation in its reportability and challenged for its evident certified compliance of reporting only true, accurate, complete, timely, and or else wise physically verified and validated claims. Due to at least these few compliance-issues in your current reporting I demand you prove beyond doubt your claims ( s ).

This COFF item is deficient as reported, as below-displayed in evidence of uncertified *HRCF12 questionable even poor reporting. Per Federal reporting regulations all claims MUST be to a maximum possible accuracy and maximum possible completeness, and even the reporting mandates related to the standard of certifiably compliant reporting is that there be no swaying from the METRO @ FORMAT compliance since, per CDIA, DNP 3-4 Any deviation from these standards jeopardizes the integrity of the data so remove or rectify your current not confirmed nor certified claim of adequate compliance, as is mandated!

I wanted to inform all parties that in the last thirty ( 30 ) days that I have contacted the Federal Trade Commission. I explained in my letter to that, you, as a Federal Reporting Agency have not complied with any of the Laws under the FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information.

I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financial liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance your agency has yet to respond to my questions and statements of the Law. 
Please delete the following unverified fraudulent account XXXX XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Complaint against Portfolio Recovery Associates , LLC for Violating 18 USC 894 Dear XXXX, I am writing to file a complaint against Portfolio Recovery Associates , LLC for violating 18 USC 894, which prohibits making extortionate extensions of credit. I believe that Portfolio Recovery Associates , LLC has engaged in predatory debt collection practices that have negatively impacted my financial well being and credit standing. 

Portfolio Recovery Associates , LLC has continuously engaged in aggressive and unfair debt collection tactics, including harassment. 

These actions not only violate 18 USC 894 but also constitute a violation of the Fair Debt Collection Practices Act ( FDCPA ) and have caused me significant distress and financial hardship. Portfolio Recovery Associates , LLC 's conduct has made it challenging for me to manage my finances effectively and has had a detrimental impact on my credit score. 

I request that XXXX investigate this matter and take appropriate action against Portfolio Recovery Associates , LLC for their predatory debt collection practices. I urge XXXX to intervene on my behalf and ensure that Portfolio Recovery Associates , LLC complies with federal laws and regulations governing fair debt collection practices. 

Thank you for your attention to this issue. I appreciate your assistance in resolving this matter and protecting consumers from abusive debt collection practices. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL (MD)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful mis-statements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating this account. I demand you to delete fraudulent account now.
Consumer complaint received 2024-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

On Saturday XX/XX/XXXX, at midnight I went to deposit some money into my Bank Of America account at a local ATM XXXX. I deposited XXXX dollars into the ATM XXXX  with my card still inside of the ATM, and the ATM did not give back my money or my debit card. I took a video of the ATM XXXX  to show that the hardware of the system is messed up. It kept rebooting, then turning off, then turning back on in a endless cycle and never gave back my money or my debit card. The money I deposited was not sent to my account and the ATM never gave back my money. I called the Bank Of America customer help phone number but they had no available operators to fix my issue.
Consumer complaint received 2024-07-06
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: ALLY FINANCIAL INC. (CO)

I leased a vehicle in XX/XX/XXXX, and financed it with Ally Financial. In XX/XX/XXXX I refinanced the vehicle with my bank XXXX XXXX XXXX XXXX. Ally Financials agents over the phone told me for months numerous times that the vehicle title would be coming in the mail. Months later no title came in, my XXXX XXXXXXXX XXXX increased my APR and loan rate due to no vehicle title being provided. In XX/XX/XXXX Ally Financial agent stated that I still owed {$20000.00} on the leased vehicle before it would be paid off. I then said that I would remain with Ally Financial since this new information occurred, I requested for a refund of the pay off check I used to refinance the car to give back to my bank. Ally Financial stated that they were refunding the check and that I would receive the check in 10-15 business days. I calculated that by XX/XX/XXXX I should receive the refund from Ally Financial. No check came and now I am receiving calls from Ally Financial that my vehicle is at risk of repossession. An Ally Financial agent called today and stated that the refund check was approved on the XXXX of XX/XX/XXXX, but the key was entered incorrectly so the check was not sent out. The agent then asked to take money off the refund check that is owed dating back to XX/XX/XXXX. Ally Financial was holding my refinance vehicle title hostage and strong armed me into staying with them. Now they are holding my refund check hostage and now threatened with my vehicle being repossessed although they have not sent in the check and asking for more money.
Consumer complaint received 2024-07-07
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (FL)

Synchrony Financial 's website ( https : //www.synchrony.com ) won't let me log in to make payments to my XXXX 's XXXX XXXX account. This has been going on for 2 weeks now. I have a new appliance that I purchased that I need to set up payment plans for because it is interest free for the first 12 months if the payments are made on time. I believe XXXX is not allowing me to access my account so that I won't make the payment on time and they can charge me interest. There are several complaints from other customers about the same thing in their reviews and their BBB profile. This company is intentionally trying to defraud customers by not allowing them to access their accounts online so that they can charge them interest. The interest is something ridiculous like 29 %. Synchrony Financial are a bunch of crooks.