davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-12
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. (GA)

To whom it may concern, Im am reaching out because, The Fair Credit Reporting Act 15 US Code 1681 section 602 a states, There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers rights to privacy. Equifax, and XXXX are consumer reporting agencies, and I am the consumer. I exercise my right to make certain that my private information isnt shared which is backed by 15 US Code 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 non public information. 15 US Code 1681 ( e ) reads, Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 ( c ) of this title and to limit the furnishing of consumer reports to the purposes listed under 1681 ( b ) of this title. Under 15 US Code 1681 ( 2 ) ( A ) ( i ) Exclusions : Reports containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting Transaction history is illegal. In addition to that, 15 US Code 1681 ( a ) ( 5 ) says, except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information ; Any adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 

This account is an adverse item they are reporting again without my permission which is against the law. XXXX XXXX is a financial institution by definition under 15 US Code 6801. 15 US Code 1681 section 604 ( a ) section 2, says, 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. XXXX, The financial institution does not have my consent to furnish this information and does not have my written consent. All consent to Equifax, XXXX, XXXX whether it be verbal, non verbal, written, implied, or otherwise is revoked. Under 15 US Code 6802 ( B ) and ( C ) states a financial institution may not disclose non public personal information to a non affiliated third party unless - the consumer is given an explanation of how the consumer can exercise that non-disclosure option. XXXX never informed me of my right to exercise my non disclosure. Equifax and XXXX are not maintaining reasonable procedures. 12 CFR 1016.7 states, A consumer May exercise the right to opt out at any time. I am opting out of your reporting services as of now.
Consumer complaint received 2023-08-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (CO)

I graduated from the XXXX XXXX XXXX XXXX in XXXX of 2023. I was a XXXX XXXX for XXXX continuous years until graduation. I received federal loans for each semester I was a student. I consolidated several of my loans at one point while being a student. Shortly before graduation my federal loan servicer was transferred from Great Lakes to Nelnet. Since the transfer I have had many issues. Firstly, All my loans were switched from the standard repayment plan ( the default repayment plan ) to an extended repayment plan. I did not request this transfer and I contacted Nelnet. They fixed this issue. 

Secondly, of the XXXX loans that Nelnet is the servicer for I have various first payment due dates and only XXXX of my loans are in the XXXX month grace period. I have XXXX XXXX XXXX loans, XXXX XXXX XXXX loans, and XXXX XXXX XXXX loans. All of these loans are eligible for the 6 month grace period from the time of graduation and should all have a first payment due date of XX/XX/2023. The XXXX XXXX XXXX  loans and the XXXX XXXX XXXX loans have various due dates in XX/XX/2023 while the XXXX XXXX XXXX loans are in the correct grace period with due dates of XX/XX/2023. 

I have contacted Nelnet XXXX separate times and have been assured they would fix the issue. Each time I have called them they have stated a different reason for the issue and attempted to help correct the issue. The third time I called them they stated the loans were not eligible for the 6 month grace period and they could not fix the issue. Every information I am able to find assures me that all XXXX of my loans are eligible for the 6 month grace period and thus should all have a due date of XX/XX/2023.
Consumer complaint received 2023-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY (NV)

This is a billing problem with American Express XXXX cards -- I pay MONTHLY the balance in FULL. There is no carry over ( I do not use pay over time ). EVEN when paid in FULL each month by the XXXX ... ... they will put a CARRY OVER balance ( that was already paid ) with the payments due -- in reality-paying the same charges TWICE ( as they were paid the previous month. 

American EXPRESS said a XXXX  XXXX is going to review the account -- but I was working 2 jobs with a XXXX XXXX son and didn't pay attention -- just PAID the bills. He XXXX  and then some time later I started paying attention -- I charged {$2700.00} this month and paid already 1989 towards this bill ( should owe about XXXX total ). But the bill is XXXX as American Express added " previous balance of {$1000.00} " is why it's so high ( BUT this bill was already paid in XXXX each month including last month and there should be no previous balance. I went back over the entire year -- and this was DONE every month although the balance is ALWAYS paid in full by the XXXX as well as sometimes paying more ( say {$450.00} is due and balance is XXXX more from items after the closing I will pay {$700.00} and pay it all off... but still the ENTIRE balance will carry over as a PREVIOUS BALANCE?? 

When I called and explained this to American Express and then told them I was going to put in a complaint to you -- she then said they would have a " XXXX  XXXX '' call me within 24 hours to discuss my concerns. She was not able to explain to me why a balance that was paid in full each month is carried over ( charges not payments ) and PAID TWICE.
Consumer complaint received 2023-10-20
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. (TX)

In accordance with the Fair Credit Reporting act. The list of the accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX. XXXX XXXX / Account # : XXXX has violated my rights. 

XXXX. XXXX XXXX / Account # : XXXX has violated my rights. 

XXXX. XXXX XXXX / Account # : XXXX has violated my rights. 

XXXX. XXXX XXXX XXXX / Account # : XXXX has violated my rights. 

XXXX. XXXX XXXX / Account # : XXXX has violated my rights. 

XXXX. XXXX / Account # : XXXX Wrong Name And Addresses. 

XXXX. XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX. XXXX XXXX XXXX AV XXXX, WA XXXX XXXX. XXXX XXXX XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C 1681C. Section/ ( 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 reports by more than seven years. 15 U.S.C 1681 S-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 2024-02-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (FL)

On XX/XX/XXXX, my mother XXXX XXXX sent {$1300.00} to me via PayPal, so that could pay my rent. I had at the time been in a serious car accident and was not able to work. When she received her credit card statement on XX/XX/XXXX she had forgotten about sending those funds to me and disputed the transaction. Paypal immediately debited and overdrew my account with them as a result. I call XXXX on XX/XX/XXXX as soon as I was made aware, she realized her mistake and immediately called XXXX XXXX, and reversed the dispute. XXXX provided her with a letter stating the funds had been sent back to Paypal as of XX/XX/XXXX. The funds as of today XX/XX/XXXX are still not available to me, and have been charged to my mother for well over 30 days. I have sent the letter from XXXX to paypal, I have requested via telephone and messenging service for paypal to release the funds, and they have not. Yesterday XX/XX/XXXX my account was sent to Collections by paypal, and collections activity has commenced from a company called XXXX. Today, myself and XXXX XXXX called and spoke to Disputes supervisor XXXX ( ID # XXXX ) With paypal, who stated there was nothing he could do but send a request to a back office team to hopefully have it resolved. I have attached the letter and email correspondence.
Consumer complaint received 2024-02-27
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

There are transactions for withdrawals that were declined but show as if they were made. 
Then there were multiple transactions made from XXXX that I never made. I asked for all my past statements so I can look through them and found these discrepancies I didnt see until now. I filed claims with boa prepaid claims dept and am waiting for them to honor their XXXX fault policy to refund me from my loss. 
They had already put me through alot. Freezing my accounts making me verify who I was. They have footage to prove these transactions were not made and should be more helpful their customers.
Consumer complaint received 2024-02-27
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CO)

I am writing to file a formal complaint against Chase Bank for its failure to comply with the Service Members Civil Relief Act ( SCRA ) in relation to my credit card account. 
am a former member of the XXXX XXXX  XXXX who separated from XXXX XXXX military service on XX/XX/XXXX. This separation is duly documented by the XXXX form, commonly known as the XXXX XXXX XXXX XXXX XXXX document. Subsequent to my separation from the XXXX, I joined the XXXX XXXX XXXX XXXX XXXX XXXX, as evidenced by the Enlistment Contract ( XXXX ). 

Despite being eligible for SCRA benefits due to my new active term of service with the XXXX XXXX  XXXX XXXX, Chase Bank has refused to lower the interest rate on my credit card account, citing an " internal policy '' requiring a XXXX gap in service for such benefits to be applicable. This policy contradicts the clear provisions of the SCRA, which do not stipulate such a requirement. 

Furthermore, Chase Bank has disregarded the validity of the Enlistment Contract and my Leave and Earnings Statement ( LES ), issued by the Defense Finance and Accounting Service, as documentation of my federal service. Both of these documents are crucial in demonstrating my eligibility for SCRA benefits.

I believe Chase Bank 's refusal to apply SCRA benefits to my credit card account and its arbitrary policy regarding the eligibility criteria are unjust and in violation of federal law. I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and take appropriate action to ensure Chase Bank 's compliance with the SCRA. 
Thank you for your attention to this matter.
Consumer complaint received 2024-02-27
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC. (MA)

In trying to work out a resolution on my reverse mortgage/balloon payment, I made a {$4100.00} payment via wire transfer to SPS on XX/XX/23, just as they required me to do, yet the payment was never applied to my account. I've called them multiple times, uploaded a copy of my payment receipt to SPS on their website, just as they instructed me to do in order for them to provide assistance and research the payment, and still no credit. This proves the malicious intent of SPS to wrongfully proceed with foreclosure. I have offered them additional payments, submitted financial assistance/modification applications, called them, emailed them... what haven't I done in good faith? The most recent statement from them shows an amount due of {$6700.00}! Where is my {$4100.00} payment?????? I need help, please help me.
Consumer complaint received 2024-02-27
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Account opened without my consent or knowledge
Company: BCI FINANCIAL GROUP, INC. (MA)

I applied for a XXXX account with this bank on XX/XX/year>. I received a message that they needed to review my application and would respond within 3-5 business days. So I found another bank to deposit my funds with and transferred them there. 

That same night, they withdrew {$25000.00} from my checking account without authorization. 

I reached out to the bank on XX/XX/year> and spoke to supervisor, XXXX, who told me I would need to file a chargeback with my bank in order to get my funds back. I asked XXXX for, but he was unable to provide any evidence that I gave permission for this transaction to take place - only an unsigned CD account agreement. City National dba XXXX XXXX XXXX would not return my funds without a recall request from my bank. My bank indicated that it would take upwards of 10 days for the investigation and for funds to be credited back to my account. My account is currently about $ XXXX negative, and I won't be able to pay my mortgage, and will be hit with numerous NSF fees as a direct result of XXXX XXXX  dba City National Bank.
Consumer complaint received 2024-04-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CA)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2024-02-27
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC. (MA)

In XXXX I took out a reverse mortgage loan for {$44000.00}. I do not speak English and did not understand what I was getting myself into. The balloon payment was due XX/XX/XXXX. I discovered this when the auto payments were no longer being withdrawn from my bank account. When I offered Select Portfolio a payment of the arrears, I was denied. I've been submitting forms to them, making calls, pleading assistance, and no matter how much effort I make to pay them off, they want to take my property from me. Today I received a foreclosure proceedings letter from an attorney. I need help immediately. I am elderly, a Veteran and have XXXX  I am also a widow. My children are doing all they can to help but Select Portfolio keeps shutting the door on all of us. The XXXX XXXXXXXX is stalling on providing me assistance.
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (TX)

I received a copy of my credit report and I am writing to dispute the following Information that appears on my credit profile after carefully reviewing the information on my report The following inquiries are unauthorized and I ask that u delete them from my report : Inquire from XXXX XXXXXXXX XXXXXXXX on XX/XX/XXXX I am a victim of identity theft and fraud and I never authorized this inquiry Inquire from XXXX XXXX XXXXXXXXXXXX XXXX XXXXXX/XX/XXXX I am a victim of identity theft and fraud and didnt not authorize this inquiry Inquiry from XXXX XXXXXXXX XXXXXXXX on XX/XX/XXXX I am a victim of identity theft and fraud and did not authorize this inquiry Inquiry from XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I am a victim of identity theft and fraud and did not authorize this inquiry Inquiry from XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from XXXXXXXX XXXX  XX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from XXXX XXXX XXXX XXXXXX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from XXXX XXXX XXXX XXXXXX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from XXXX XXXX XXXX on XXXXXX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from XXXX XXXXXXXX XXXX on XXXXXX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from XXXXXXXX XXXX XXXXXX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from TD Bank USA/Target C XXXX XX/XX/XXXX XXXX am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from XXXXXXXX XXXX  XX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry
Consumer complaint received 2024-03-03
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (CA)

My sister and I abruptly had both checking and savings accounts closed by Wells Fargo, I was notified 4 days later. We had the accounts for over 10 years with no issues. Always had a large balance in both accounts. 
The bank claims they had no physical address on record for my sister, but she has proof they did. She can only receive mail at a po box due to living in an area where mail is not delivered. I have my address in their records. I went to my local branch, and she went to hers ( in different cities ) and asked for our money. We were both told it had to be mailed! And could take a month to receive! And no, they can not reinstate our accounts!
Consumer complaint received 2024-02-27
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Account opened without my consent or knowledge
Company: BCI FINANCIAL GROUP, INC. (MA)

I applied for a XXXX account with this bank on XX/XX/year>. I received a message that they needed to review my application and would respond within 3-5 business days. So I found another bank to deposit my funds with and transferred them there. 

That same night, they withdrew {$25000.00} from my checking account without authorization. 

I reached out to the bank on XX/XX/year> and spoke to supervisor, XXXX, who told me I would need to file a chargeback with my bank in order to get my funds back. I asked XXXX for, but he was unable to provide any evidence that I gave permission for this transaction to take place - only an unsigned CD account agreement. XXXX XXXX XXXX Total Direct Bank would not return my funds without a recall request from my bank. My bank indicated that it would take upwards of 10 days for the investigation and for funds to be credited back to my account. My account is currently about $ XXXX negative, and I won't be able to pay my mortgage, and will be hit with numerous NSF fees as a direct result of Total Direct dba XXXX XXXX Bank.
Consumer complaint received 2017-03-27
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HOVG, LLC (GA)

I 'm filing a complaint against Bay Area Credit Service, a collection agency working on behalf of XXXX. Bay Area Credit is reporting negative information about a medical ambulance bill that was paid on XX/XX/2016. I have attached a copy of my receipt that was emailed to me directly from XXXX, so I 'm a little unsure why it was sold to the collection company in the 1st place. This negative information is damaging my credit worthiness & affecting my credit score. I 'm in the process of applying for a mortgage & this negative account is standing in the way of that goal. My ask is that this information is removed from my credit files ASAP & all further collection action & negative reporting cease. I work very hard to maintain my credit worthiness & I strive to pay all my bills on time. I 'm also requesting a letter ensuring that this debt is satisfied & will not EVER appear on my credits for all XXXX bureaus.
Consumer complaint received 2024-02-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (MS)

I was doing research on Credit Acceptance and I saw where consumers were complaining about hidden fees and charges on their auto loan. I do own a vehicle and it is currently financed through the stated company. I understand they help people with bad credit but the fees and interest rate are astronomical. Im currently on XXXX XXXX XXXXXXXX due to an XXXX  and they have worked with me from time to time. In XXXX my vehicle was repossessed and I was able to get it back but Im still paying that horrible XXXX interest rate and nothing towards the principle. This company is a total ripoff and I read where they have XXXX of lawsuits against them for all the hidden fees, late charges and whatever else theyve done. I too am filing a complaint against this company for the same reasons. I possibly maybe consulting with a lawyer as well.
Consumer complaint received 2023-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

In XX/XX/2023, I was sent a Bj 's One, Capital One credit card. I never request this card. I never activated this card. 

In XXXX or XXXX, I was sent a bill for my BJs membership renewal from Capital One. They took it upon themselves to activate this credit card without my permission. 

I have since called the company. I paid the membership fee. They waived the late fee that I was assessed and my account is now closed. 

I am filing this complaint to make you aware of a practice of opening credit cards without the consent of the consumer. I am aware that this may have on my credit score.