davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (FL)

To Whom It May Concern, I am writing to file a complaint against Concora Credit aka Milestone Credit Card, XXXX XXXX XXXX, regarding their mishandling of my credit card account, which has negatively impacted my efforts to rebuild my credit. 

As someone who is actively working to rebuild my credit, I applied for and received a credit card from Concora Credit. I made XXXX payments within a couple of weeks, but these payments were repeatedly reversed due to incorrect routing information provided by my bank. Despite this issue being resolved before my payment due date, Concora Credit closed my account without prior notice or consideration of the circumstances. 

The closure of my account is likely to cause significant damage to the credit score I have been working diligently to improve. Additionally, the {$120.00} fee associated with this account is unreasonable, particularly in light of the issues I experienced. 

I believe that Concora Credits actions are unfair and have had a severe negative impact on my efforts to rebuild my credit. I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that such practices are addressed. 

Additionally, I believe Concora Credit is unfairly charging consumers a {$120.00} fee, which appears to be a deceptive practice. Despite my attempts to rectify payment issues caused by incorrect routing information, I was still charged this fee. I believe this is an unjustified charge and may indicate a broader pattern of unfair treatment toward consumers. 

Thank you for your attention to this serious issue. I am available to provide any further information or documentation as needed.
Consumer complaint received 2024-05-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NY)

On XXXX I received a message from the cryptocurrency exchange 'Coinbase ' explaining my account was being forcefully closed with no explanation other than an unspecified violation of Terms of Service. To my knowledge there has been zero cause for a violation.

After this point access to my account was restricted and upon logging into coinbase.com I am presented with a screen detailing my crypto holdings with no process to recover them. The page informs me I must empty these accounts so they can proceed with closure, however they provide no process to transfer funds. 

The assets being withheld from me are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX The estimated value of these assets as of XXXX is {$100000.00} USD.

I have provided information to verify the issue and my account on XXXX. Their support agent said I was experiencing a non descript " technical issue '' that their team is working to rectify.

I contacted Coinbase support again and received a response on XXXX that they are still looking into the issue. This length of time seems sufficient to have sorted out their issues, or to have worked to provide me with a workaround.
Consumer complaint received 2024-05-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno (SC)

I attempted to use my card for dinner and it was declined, I attempted the next day and still the same thing. No message from the company was sent of the soon to be or existing issue. Once I contacted someone they then informed me of the issue with XXXX XXXX and they have nothing to do with the issue. There still ( after 1 week and 1 day ) have been any communication on what's happening or how I can access my money.
Consumer complaint received 2024-05-21
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (FL)

Over a month ago I mailed a first class ( postage paid ) letter to JPMCB requesting documentation regarding an account that its being reported on my credit reports. 

Until today I havent received even an acknowledgment of my letter. 

Please see attached letter, and send me all requested documents to my email address stated in the letter. 

I appreciate your prompt attention to this matter.
Consumer complaint received 2024-05-20
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BETHPAGE FEDERAL CREDIT UNION (OH)

I paid XXXX XXXX XXXX {$27000.00} on XX/XX/XXXX for an auto lease buyout on my XXXX XXXX XXXX XXXX. I had been paying them for the auto lease as instructed by the XXXX XXXX XXXX in XXXX XXXX, OH. I was told multiple times by customer support that upon receipt of the money, the title would be transferred to me within XXXX weeks. Not only did they not send any form of confirmation that they received the money, but I still have not received the title which is required in order to transfer ownership in the state of Ohio. I called support again on Tuesday, XX/XX/XXXX asking them about the status of my title. I was told after they looked in their system that yes they had received the money, and they had not done anything in terms of paperwork. I was assured that I would receive the title this week. Today, I received confirmation of a loan payoff. I did not even have a loan with them, and this is not what I need to prove ownership of the vehicle in the state of Ohio. I do not know what else I can do to get the title that I paid for other than contact CFPB or get an attorney involved.
Consumer complaint received 2024-05-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC. (AE)

I am currently under a XXXX term loan with Ally Auto. I am an XXXX XXXX member assigned to XXXX under XXXX XXXX XXXX. I am XXXX from the military and must ship my XXXX covered under the loan back to the States. I have official XXXX XXXX orders that state a XXXX  to be shipped ; Ally Auto denied the orders and stated I would need an official report from my chain of command signed by my commander that says ( who my spouse is, the year, make, and model, the lienholder and when it going to be shipped. ) They said either I send them that report or give them an official code breakdown stating the orders ' codes. I told them they would not be allowed to receive that, and they told me the only other option was to obtain authorization for coverage by my insurance. I called XXXX, which is the rental insurance, and they gave me authorization for coverage with the period it would be shipped and the name of the loan holder. They denied it again because XXXX provided it in an email, and they would not accept it unless it were in an official document. 

This is keeping me from leaving the country due to a lack of confidence, as stated by multiple ally representatives, that my authorization letter would be accepted. The car is under a loan, which, if I am unable to pay, would require them to repossess the vehicle. Being XXXX is more of a risk for this auto loan company than in the U.S., and yet they are denying the release letter.
Consumer complaint received 2022-10-29
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: EQUIFAX, INC. ()

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. 

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-07-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Since XX/XX/2023, CFPB did not solve my problem with the three credit bureaus. They fail to correct the problem. So I am filing again to bring attention to this problem. I pointed with CFPB in XX/XX/2023 and the credit bureaus were slow in responding to the issues a hand : In according with the Fair Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under : 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 15 U.S.C 1681 sect 602 A, states ; : I have a right to privacy '. 
15 USC 1681 sect 604 A subtitle 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681 ( c ) - ( a ) ( 6 ) section states no consumer reporting agency may make any of the following items of information, any other adverse information, other than records of convictions of crimes which antedate the report by more than seven years. 

15 USC 1681 s - 2 ( A ) ( 1 ) A person shall not furnish any information 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 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I am writing to bring to your attention the presence of fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely linked to me without my knowledge or consent, causing significant distress and concern. Regrettably, I have become a victim of identity theft and have promptly reported the incident. It is imperative to address this issue swiftly, given its adverse effects on both my financial well-being and personal reputation. I kindly request your cooperation in promptly removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-05-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (FL)

While checking my credit reports, I noticed an account that was resolved with a creditor ( XXXX ), is reporting a balance that should not have been sent to collections. A XXXX agent stated that in order for me to renew my insurance I needed to pay a balance that was owed to them. Which I did. They also told me that the balance will not report to the credit reporting agencies and it has. Caine & Weiner should not be reporting a debt that was paid, and closed, as collections on my credit report. It is being reported as such to all three credit bureaus. 

As of XX/XX/2023, Caine & Weiner is still reporting this account in the amount of {$460.00} as collections. How is this a collections account when the debt has been paid and the account is closed?
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (TX)

I am writing to file a formal dispute and complaint regarding a potential violation of my privacy rights under the Family Educational Rights and Privacy Act ( FERPA ) and the Fair Credit Reporting Act related to a student loan issued by the Department of Education.

As per the Family Educational Rights and Privacy Act ( 20 USC 1232g ( b ) ), which protects the privacy of student education records, my student loan details and information should be treated as confidential education records by the Department of Education and any other entities servicing or handling my loan. 
However, I have reason to believe that my private student loan information XXXX have been improperly shared, disseminated or reported without due care, fairness and confidentiality protections as mandated by 15 U.S. Code 1681, which outlines Congressional findings on the need for accuracy, fairness and respect for consumer privacy in credit reporting.

Specifically, section 1681 ( a ) ( 4 ) states there is " a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' Furthermore, section 1681 ( b ) highlights the purpose of having " reasonable procedures '' for entities dealing with consumer information to ensure " confidentiality, accuracy, relevancy, and proper utilization of such information. '' I am concerned that my private student loan data, which should be safeguarded as an educational record under FERPA, XXXX have been mishandled, improperly shared or inaccurately reported, thus violating both FERPA and the Fair Credit Reporting Act 's intent of protecting consumer privacy. 
As such, I urge the CFPB to investigate this matter thoroughly and take appropriate enforcement action to uphold my student privacy rights and ensure compliance with all applicable privacy laws by the Department of Education and any other entities involved in servicing my student loans. 
Thank you for your attention to this serious issue. I look forward to your prompt action and response regarding this dispute.
Consumer complaint received 2023-07-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: SYNCHRONY FINANCIAL (VA)

On Friday, XX/XX/2023, I was being declined using my credit card, and I called Synchrony Bank, and they informed me that the account was closed. The representative told me the account was closed because I was deemed high-risk and would receive a letter in the mail. Synchrony Bank went and closed all the cards I had with them. I made many purchases on my XXXX credit card because I am opening an online business and needed merchandise, so I used that card the most. I used that card the most because they would round up my purchase and put the remaining amount towards XXXX. I was using my XXXX card for groceries because I was receiving more points on that card. I used an XXXX credit card when I purchased it on XXXX, and I made a lot with that card. I had some credit cards that had small or no balances. I paid for them and made sure they were up to date. I do not understand how they can do this without me being behind or not paying my bill.
Consumer complaint received 2023-04-28
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. (GA)

Inquiry accounts are showing on my credit report that does not belong to me, or my address has no ties with this collection or me. This was added to my credit file without my knowledge or my consent. This violates the Fair Credit Reporting Act Section 1681b and is a serious breach of my privacy rights.
Consumer complaint received 2024-05-17
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. Auto Credit Corporation (GA)

I have a problem with the US Auto Credit account on my XXXX report. Its hinders my ability to receive another car loan from a bad decision I made in my naive XXXX. Not only that, they are reporting unfairly in many ways. Ive asked the bureau to investigate two times in which nothing was changed. The account reports different balances across the three bureaus. However it was charged off in XX/XX/year> but continuously updates balance. This is further effecting my credit and updating statute of limitations. They sold the vehicle for its total worth in todays market but has refused to remove that from the balance as well. Lastly I wasnt informed about anything regarding the car after repossession or thoroughly contacted before repossession.
Consumer complaint received 2024-05-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (FL)

I opened a Chase/ Amazon card. Chase decided to utilize the main number at my work ( landline ) at a place that I haven't worked at for 15 years, as my personal/primary phone number on my account. I called to rectify and they said they would. I never provided this number and is a huge security issue to my account, not to mention that I have trouble logging in because I need to verify my identity via a text message to this non-mobile number that is NOT MINE. In addition, they are utilizing a home address for me, not by my choice, which I have NOT lived in over 7 years. This is ridiculous and has to be an illegal practice, not to mention that it has cost me a lot of time and frustration. How is it legal for a credit company to utilize a random phone number and a random address to determine my identity?
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Subject : Immediate XXXX  and XXXX XXXX for XXXX Credit Reporting Dear Equifax I am writing to formally request that you immediately cease and desist from reporting inaccurate information on my credit report. My name is XXXX XXXX, and my XXXX XXXX XXXX is XXXX. 

Upon reviewing my credit report, I identified the following discrepancy : account XXXX XXXX past due balance {$900.00} account XXXX XXXX XXXX balance {$410.00} account XXXX XXXX XXXX {$14000.00} ALL XXXX INACCURATE INQUIRY ON XX/XX/year> That I didn't acknowledge This accounts is inaccurately reported as a delinquent account, which is not accurate. 
This error is adversely affecting my credit score and financial standing. In accordance with the Fair Credit Reporting Act ( FCRA ), I request the following actions :
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (CA)

This is my second notice of these fraudulent accounts on my credit report. I never benefited from any of these transactions from this account. Per the FCRA, these fraudulent items have to be blocked and deleted from my report.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2024-05-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XX/XX/2024 - I called the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX and spoke with a gentlemen who gave the name of XXXX. I advised I received a notice in the mail to appear on a XXXX  on XX/XX/XXXX about a charged off debt for Capital One. I advised him that I would like to work out arrangements. I gave him the XXXX XXXX : XXXX. He asked how much I could pay I explained {$100.00} a month and he asked if I could afford {$200.00} a month which would be for 24 months to pay the remaining balance owed of {$4700.00}. I advised I could not. He stated he would mail a fact sheet to me at my home address which he verified and I never received the fact sheet which was explained by XXXX to include my income and debts to determine my ability to pay to work out a payment plan. 

XX/XX/2024 : I contacted the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX and spoke with a gentlemen who gave the name of XXXX. I explained I never received the fact sheet in the mail and again he said he would mail the fact sheet. He also mentioned that a judgement was going to be filed against me. He verified my address again and said he would mail the fact sheet to my address. I also asked for the managers name which he gave XXXX for my records. 

XX/XX/2024 : As of today Im filing a complaint because I received another Notice of Taking Deposition Duces Tecum In Aid of Execution to appear on a XXXX  on XX/XX/2024 from the XXXX XXXX XXXX XXXX XXXX XXXX however I never received the Fact sheet I was promised and they refuse to accept the payment arrangement that Im willing to pay. Also this account charged off with Capital one and by law according to the IRS I should have received a 1099 cancellation of debt when this account initially charged off. In addition the law offices representative who I spoke with has yet to send the information requested and Im requesting that all collection activities be ceased as result of Capital One not following the law to provide a 1099 and the attorney office promising to mail a fact sheet and has not provided the information. As well as telling me a judgement is going to be filed against me.
Consumer complaint received 2024-05-17
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I didnt not authorized any hard inquiries on my credit report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists pursuant to 18 usc 8, owe no debt, this company is violating my consumer right to privacy pursuant to usc 1681-B2 company had no permission to report my informatio