davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-18
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: DISCOVER BANK (GA)

On XX/XX/XXXX, Consumer furnished her signature on a credit application ( security ) with Discover ( financial institution ), which was given value by ones signature. 

Upon receipt of the security, the financial institution made an application to their local Federal Reserve agent. Financial institution made such application accompanied with a tender, Consumers security, of collateral in amount equal to the sum of the Federal Reserve notes thus applied for and issued pursuant to such application. 

The financial institution failed to distribute the Federal Reserve notes it applied for and was issued to Consumer and DENIED Consumer an extension of their credit. Pursuant to federal law, banks can not lend their credit or customer deposits. 

Upon request, the financial institution failed to return security as it had already been sold in a public offering on the global financial markets. 

The financial institution 1 ) is in violation of the provisions of their Trust Indenture on file with the Securities and Exchange Commission ; 2 ) is in violation of the Trust Indenture Act ( TIA ), which prohibits any person from selling a note, bond or debenture in a public offering unless it has been issued under an indenture and is qualified for TIA and specifically mandates that the right of a bondholder to receive payment on such security can not be impaired without the bondholders consent. The financial institution has impaired bondholders right to receive payment on the security ; 3 ) is subject to a claim of a property or possessory right in the instrument or its proceeds, including a claim to rescind a negotiation and to recover the instrument or its proceeds, pursuant to XXXX XXXX, and XXXX ) is involved in racketeering activity, pursuant to 18 USC 1961 ( 1 ), including but not limited to counterfeiting, extortionate credit transactions, financial institution fraud. Consumer has been injured by the financial institutions wrongful activity and XXXX allows for Consumer to recover treble damages.
Consumer complaint received 2023-12-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FALONI & ASSOCIATES, LLC (NJ)

Faloni law group Has submitted false doucemnts to the courts and back dated doucumets to ry to collet a debt, violating the fair credit debt act. They refuse to validate the debt and send me any or all information that have my signature on it. 

On XX/XX/XXXX Faloni law group sent me more fraudeltn documemts. 


I have the documents and will send via emal upon your request. 

example : Faloni sent a fradu agreement that stated arbrtratin i can be chosen with the dates wrong and cerifed with and signature ( XXXX XXXX ) then tried to withdraw it from the courts.
Consumer complaint received 2023-12-18
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (NC)

I believe the account is invalid. XXXX needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the account to be remove from my credit & their records.XXXX XXXXXXXX
Consumer complaint received 2024-04-14
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. (FL)

In accordance with the Fair Credit Reporting act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX, Account number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SANTANDER HOLDINGS USA, INC. (TX)

This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didnt follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA XXXX entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2017-11-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: AFNI INC. (CA)

I switched cell phone companies from XXXX XXXX XXXX to XXXX. 

XXXX told me that if I switch they would pay off what ever I owe to XXXX XXXX XXXX. 

This agreement was not fulfilled on sprints half. I switched carriers and they did nothing. 

I have not received any notifications from XXXX XXXX XXXX stating that this wasnt paid and they didnt tell me that this was going against my credit. 

Now I have a derogatory mark on my credit profile because of this problem.
Consumer complaint received 2023-12-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: AMERICAN HONDA FINANCE CORP (AP)

I purchased a used vehicle XXXX  Honda XXXX from Honda XXXX XXXXXXXX New York. I traded in my XXXX  Honda XXXX. 
XXXX was informed that I will be pcs to XXXX XXXX, they then asked me to pay {$12000.00} in order to take the vehicle with me. The representative said that when spouse go with the servicemember overseas they often times have problems paying the car payment. I then asked the representative if she applied the SCRA to my account or to any of the Honda vehicles I have had? I've had XXXX loans. She said that Honda would look into it. I also asked them to just give me my passport back because I couldn't afford. I asked before the first payment was ever XXXX did not give it back. 
Fast forward, I'm in XXXX XXXX and am finding it difficult to make my payments. I inform XXXX of what is going on. I'm continuing to asked for help. Nothing they can do for me. 
My car is written off. Now my XXXX  is affected. They could have given me my passport back instead of completely processing the loan for the new used car.
Consumer complaint received 2023-12-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (FL)

I was suppose to receive a refund of XX/XX/2023 from a store of XXXX . The refund was over the weekend so over the weekend I seen the pending amount. I check periodically. I checked Sunday night the whole pending amount disappeared, money never came into the account it was like it never got refunded. I sent in a receipt of refund maybe XXXX times. Literally. It is now XXXX they opened multiple claim & allll of My claim got denied. For what reason? The receipt said refund date & card digits. Never got that money back. 
Tuesday XX/XX/XXXX I sent XXXX $ to a friend on XXXX XXXX XXXX. I went over my limit so they refunded me on Friday XX/XX/XXXX. Checked Saturday pending deposit was there. Now Sunday XX/XX/XXXX. Whole transaction disappeared. Now I fight them again for 8 months just for them to keep my money again?
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN HONDA FINANCE CORP (NJ)

In accordance with the Fair Credit Reporting Act this creditor, AMERICAN HONDA FINANCE, has violated my rights. Under15 USC 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604 ( a ) section 2, it also states a consumer reporting agency can not furnish an account without my written instruction. In addition, I was not given the option to optout under 15 USC 6802 B. Also, under 15 USC 1681a ( 2 ) ( a ) ( 1 ) late payments should not be reported as negative information.
Consumer complaint received 2023-12-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SERVICEMAC, LLC (OR)

I refinanced a couple of years ago and now ServiceMac holds my mortgage. I have lived in my home since XX/XX/XXXX. With other mortgage companies I would receive a statement in the Fall showing what my new property taxes and insurance would cost and would be given the option to have the new higher amount rolled into my monthly payment or the option to pay the projected shortfall ahead of time and keep my monthly payment the same. I have always opted to pay ahead and keep my payment the same. ServiceMac does not give this option. I went through calling them last year, giving a payment for the amount shown on the Annual Escrow Account Disclosure Statement and then the payment still went up. When I called they were rude and one message even said something to the effect of " if you can read ... ''. This year I spoke with XXXX, a customer account rep, on XX/XX/XXXX. XXXX was professional, but put me on hold and looked at notes, then came back on and said that I can't pay the shortage ahead and that, even if I did, my payment would still go up ( I'm sure the call is recorded ). I said I have always been given the option to keep my payment the same ( with other companies ) and he said something to the effect of " it's never been that way ''. 

I did search online and see that another customer filed a complaint about ServiceMac for the same issue. I would like ServiceMac customers to be given a clear Annual Escrow Account Disclosure Statement clearly showing the option to pay all escrow shortages ahead of time, in order to keep monthly payments the same.
Consumer complaint received 2024-01-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Freedom Mortgage Company (CA)

I have a XXXX year fix rate conventional loan that Freedom Mortgage took over in XX/XX/XXXX. Historically my mortgage payment may increase a small amount when the taxes and hazard insurance are paid at the end of the year and the new tax bill or Hazard insurance has increases. On XX/XX/XXXX I called Freedom to see why my payment increased and talked with a representative ( ID # XXXX ) that explained to me that I did not have enough money in my impound account so I would need to pay the shortage ( XXXX mon. ) in full in order for my payment not to increase. He proceeded to inform me if I did not pay it I would be sent to collections. I did pay the amount over the phone so that my monthly payment would not go up ( {$140.00} check # XXXX ). I added to the conversation I never asked to go paperless and would like paper statements. I just received my paper statement and now Im noticing Im being charged " Total fees & Charges '' when I called on XXXX and talked with another representative ( ID XXXX ) I was told that was for the escrow shortage and it will only be for a few months and it will drop off. I requested an escrow analysis and new statement to be e-mailed with the reflected " new '' monthly mortgage amount. No e-mail was sent as of today and I am not buying that the " Total fees & Charges '' are a reflecting of my escrow account. I noticed that when I called the automated line it gave me the amount of my next mortgage payment of XXXX due but when I asked the rep. ( XXXX ) on XXXX what my current payment due is she told me XXXX but my statement for XX/XX/XXXX states amt. due is XXXX I received XXXX different amounts due all in one evening! My main goal is to find out what the " Total fees & Charges '' are for and have this removed. I have been charged this fee starting XXXX at {$40.00} and XXXX it increase to XXXX each month thereafter/until present.
Consumer complaint received 2023-11-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IL)

My checking account and or other information was accired by someone else who charged my card for nearly {$2500.00}. Chase fraud department had called me and talked with me and were sending me emails through chase banking, and was able to send notifications through the chase app, but it was not chase fraud department. I have not lost any of my personal information ever, and the purchases were in XXXX IL, a city I have never been too in my life. Chase bank has not helped me at all in the time I had a claim with them but they haven't told me anything prior or after they finalized my claim saying I authorized multiple purchases. Also upon seeing the charges taken from my account I have first called back the actual chase fraud department in which their claim started the funds were only taken out of my account an hour or 2 before the call, I was at a jobsite in XXXX XXXX IL. I need to make sure that chase bank hasn't leaked my information or if someone within chase staff did this themselves. I will also send files and documentation when I'm certain no one else will try to steal my identity.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Pursuant to 15 USC 1666B reporting agency is showing late payments that are inaccurate on my credit report without my consent. 

Reporting agency are carrying debt that they did not verify validity and has passed the reporting period and is negatively effecting my score.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (GA)

XXXX lists XXXX XXXX as the source of verifying a Public Record Bankruptcy case # XXXX that keeps showing up on my XXXX credit report. I requested verification of this public record and XXXX claims that they verified it through XXXX XXXX. There is supposed to be a Security Freeze on my XXXX XXXX consumer file since XX/XX/2016. XXXX failed to accurately honor my request of verification of this public record by informing me that they verified through a FROZEN consumer credit report. I am attaching the results displayed of the so-called investigation of XXXX 's findings and a copy of my LexisNexis consumer XXXX that shows the date of a security freeze that I placed on my file in XXXX of 2016 to avoid further fraudulent activity in my name. My XXXX XXXX consumer report is supposed to be FROZEN until I lift the freeze. I HAVE NOT LIFTED THE SECURITY FREEZE. XXXX XXXX is listed as the source of verification which leads me to believe that XXXX is not being factual about investigating this item on my credit report if they claim that they retrieved the results from a consumer account that clearly has a SECURITY FREEZE IN PLACE. I DEMAND Immediate deletion of the Public Record Bankruptcy case # XXXX that keeps showing up on my XXXX credit report.
Consumer complaint received 2023-12-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (IL)

On XX/XX/18 I had a couch delivered that was damaged but didn't know until after delivery was made. The very same day I went to store I bought it and told them. They initiated a ticket to have a technician come to the house. A month later still broken couch so I initiated a dispute with Diacover card for a product that was not as promised. Discover started an investigation. Meanwhile I was told by the company XXXX XXXX I could not return the item but only exchange it. Technician finally came and couch not repairable. I did not want an exchange as I didn't want the couch in chance it would be damaged again. They offered me a reselection. I went to the store to find something. I couldn't find anything else so I called the company again and told them. XXXX XXXX said too bad basically and I had no other choice. I called Discover to let them know. Then a day later I found an item online I was willing to settle for. I called XXXX XXXX and no call back. I called again the next day and no call back. I finally got a hold of someone else only to be told I can't exchange or reselect anymore. It was closed. I contacted discover and they assured me the case I had was still open. I got the resolve back and they sided in favor with the merchant so now I have a {$2000.00} broken couch and no ability to return, exchange or reselect something else. Discover just told me I had to resolve it with other merchant and XXXX XXXX refuses to do so. Discovers policy is clear it says a dispute can be done if a product or service was not as promised. XXXX XXXX admitted the couch is not repairable but Discover still sided on their behalf. Meanwhile it has been XXXX  months with a broken couch in our home. Please help me resolve this. Thank you.
Consumer complaint received 2024-04-14
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: EQUIFAX, INC. (IN)

XX/XX/XXXX. 
Dear Equifax, I am writing to follow up with my previous correspondence letter regarding unauthorized hard inquiries on my credit report as per the FCRA law. 
XXXX XXXX XXXX XXXX, XX/XX/XXXX. 
XXXX XXXX- XX/XX/XXXX. 
I would like to emphasize that I have not authorized any of these organizations to access my credit information and these credit inquiries are negativity impacting my credit. As a consumer, I have the right to a accurate and fair reporting of my credit information, and these unauthorized hard inquiries are a violation of my rights under the FCRA law. I have talked to a representative named XXXX. She told me on the phone that she sees all the CFPB complaints that I have filed and said the complaints are not any good to remove these hard inquiries. I told her that I also sent Equifax the proper documentations they had requested from me and still, I didn't received any response from them. I was ignored, yet again. I have sent Equifax relevant documentation that proves I did not initiate any transaction or have any affiliation with XXXX XXXX XXXX and XXXX XXXX. There is no time frame that says a hard inquiries are supposed to stay on a consumer credit report for 2 years. It is no where in the FCRA law. Equifax has continually to violate my consumer rights. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-12-18
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: National Credit Adjusters, LLC (RI)

I am currently in the process of purchasing a home and have discovered discrepancies on my credit report. According to the 15 USC 1681 law, my credit report should not contain any inaccuracies or damages. The presence of such discrepancies is not only affecting my ability to secure a home loan but also constitutes defamation of my character.
Consumer complaint received 2023-12-17
Product: Prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP (UT)

Dear Sir/Madam, Can you please help me resolve my issue for the gift cards I bought from XXXX store on XX/XX/2023. 

I bought 4 gift cards in total and 3 of those cards were fraudulently used in Arizona. 

I tried using the cards in XXXX and XXXX and was getting declined transactions for the next 10 days and all the while calling them why I can not use the cards at all. On XX/XX/XXXX, a hacker used the cards at XXXX XXXX in Arizona and I immediately called them about this. 

Each card I have to call separately as they told me that is how they process these cards that I have issue with. The first card the agent agreed and sent me a replacement card for it. The next succeeding call the agent denies my replacement saying I authorized the transactions. With this the other card they have approved for replacement was also denied back. How can this hasppen as I am in Utah and never set foot in Arizona. 

Another thing that I want to get resolve is that they blocked my phone number when I am calling their customer support and I have to resort using other family members cell phone so I can connect thru and follow up on these. 

I have attached a copy of the receipt ( XXXX ). My utah id, record of the fax transactions dated XX/XX/XXXX Also their letter of denial claim and the copies of the cards I am disputing. 

You can contact me at phone number ( XXXX ) XXXX or XXXX if you need more information to prove that I did not try to scam USBank gift card and with their effort to thwart scammers by denying me to use my card in turn the card was compromised by other people. 

Thank you for your kind understanding.
Consumer complaint received 2023-12-17
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: PayActiv, Inc. (IL)

Received unemployment benefits back in XX/XX/2023 to my payactiv card in the amount of XXXX my card was stolen!! I never received my benefits back and they closed my account after several " supposed investigations '' where they said they'd get my money back,!! Said they mail me a check for XXXX and never did.