davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Western-Shamrock Corporation (TX)

The Fair Credit Reporting Act 15 USC 1681 Sec. 602 a states, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy. XXXX, XXXX, XXXX are all consumer reporting agencies, and I am the Consumer. I do have the right to make sure my private information Is not shared which is backed by 15 USC 6801 that states. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers, and to protect the security, and the confidentiality of those customers nonpublic personal information. ( Furnisher of information to credit agencies ) is a financial institution under 15 USC 1681 Sec. 604 section 2 states that 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 written instructions of the consumer to whom it relates. ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. All consent to XXXX, XXXX, and XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- -- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ).

It states Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. This account is an adverse item they are reporting again without my permission, which is against the law. 15 USC subsection 1681s2 ( A ) ( 1 ) A states A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC subsection 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. 
XXXX, XXXX, and XXXX do not maintain reasonable procedures. 12 CFR subsection 1016.7 states that A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Consumer complaint received 2024-07-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (IL)

Citi was promoting a {$300.00} cash bonus to new eligible customers who opened a checking account within a time frame. I saw this offer in XXXX and created a checking account with Citi ( this was my first time ). According to Citi, new account holders had to have XXXX Enhanced Direct Deposits directly into the account within 90 days from opening, and the total must be over {$1500.00}. I did this by using XXXX to deposit {$1600.00}. I deposited {$500.00} on XX/XX/year> ; {$500.00} on XX/XX/year> ; and {$600.00} on XX/XX/year>. The offer said to wait XXXX calendar days to receive the {$300.00} bonus. 

However, within a week of the deposits, I noticed that unlike Citi 's website that claimed users must open the checking account through this ( https : //banking.citi.com/cbol/OM/checking/enhanced-direct-deposit-offer/default.htm? XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX ) website, I opened it on Citi 's main homepage XXXX XXXX XXXX XXXX XXXX & XXXX & XXXX & XXXX & XXXX ). I called Citi to double check whether the link I clicked could affect my eligibility. Its customer support told me that there is no difference, and that I am qualified anyways. I was relieved and I waited for the bonus. 

Fast forward to XXXX, I realized its been a few days and so I called Citi again to see when my bonus was coming in. I called on XX/XX/year>, and the representative told me that I had to wait around another month. I was fine and I waited. It was XXXX and the money still was not in, so I called again on XX/XX/year>. This time, Citi told me to wait until the end of XXXX. I came back from vacation end of XXXX and saw that there was {$300.00}. I waited patiently because I assumed Citi was busy with many customers opening accounts for the bonus. It is now XX/XX/XXXX, and it has been more than XXXX months since I opened my Citi checking account and the {$300.00} is nowhere to be seen. I did not want to call Citi again and be told to wait, hence I am writing this complaint to see if something can be done. 

Additionally, my bank balance is still over {$1500.00} so there is no way I quit being eligible.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

According to Fair Credit Reporting Act 15 USC 1681 section 602, " 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. '' XXXX and XXXX are consumer reporting agencies that should ensure my right to privacy as a consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. XXXX and XXXX do not have my consent to furnish this information and surely do not have my written consent. Any consent to XXXX and XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states, " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- -- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) never informed me of my right to exercise my nondisclosure option.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: MARINER FINANCE, LLC (TX)

Mariner has breached my information with a mutual client with whom we both work with. I am an employee at XXXX XXXX and have been harassed multiple times in a course of XXXX MONTHS by this customer due to Mariners negligence. She has called and shown up to my job several times making false complaints against me. Today, she has come into my place of business with all of my co-workers present saying I got her friend at Mariner Finance in trouble. The friend she is referring to is or was the branch manager for the XXXX location. I was so upset by this situation it caused me to walk out of work.
Consumer complaint received 2024-02-06
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: WELLS FARGO & COMPANY (MD)

I have an inquiry on my report that I didn't run from XXXX XXXX on XXXX XXXX. I have filled with FTC about fraud being on my accounts with FTC ON XX/XX/24
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Firstsource Business Process Services, LLC (TX)

I had a credit card with XXXX XXXX XXXX XXXX and that card ended with the number XXXX, I paid that credit card off by settling with them on a lower amount and when I paid it off they sent me a letter stating that the account had been settled for less than the full balance. I paid off the amount I owed and settled on XXXX of XXXX. I received the first letter confirming that I had paid off the account in XX/XX/year> and the letter stated that I XXXX receive a final statement reflecting the settlement payments and that the amount had been forgiven. However, that letter showed a different account number ending in XXXX and it was now calling the mastercard " XXXX XXXX XXXX XXXX when it was a XXXX XXXX. I called them several times to ask them why they changed the number and the answer they gave me was that because the card had expired and it was changed to XXXX and that now they were going under XXXX  not XXXX, so they had apparently changed the name of the credit card company, but that it was the same account as the one ending in XXXX. I asked them to correct that and to send me that explanation in writing and they wouldn't do it. They sent a XXXX letter on XX/XX/year> with the same incorrect information. After that occurred, I began to receive collection notices and get harassed by XXXX XXXX XXXX and now I am getting harassed by a collection company called XXXX XXXX, XXXX. XXXX has caused my XXXX XXXX to be damaged due to them reporting false information and selling that account to XXXX and XXXX selling it to XXXX XXXX. I have already spoken to XXXX and Firstsource and XXXX continues to harass me and report late payments on my credit report.
Consumer complaint received 2024-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (ID)

BMO Bank has placed a lock on my checking account since XX/XX/24 for what they stated was caused from a business check that I deposited in my account. I was informed the " investigation '' would take a max of 15 business days. It has been 20 business days since this was initiated and I can not speak to the BMO division who are doing the " investigation '' to get at least a status update.
Consumer complaint received 2024-07-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (TX)

To give context, usually if I schedule a payment on my account as long as the funds are in the account by XXXX the next morning the transaction is covered. Thus even includes XXXX, if funds are deposited by XXXX Saturday morning, the transaction ( XXXX ) are covered. 

Now, this XXXX XX/XX/XXXX. I made a payment of {$85.00} to a vendor. The funds were deposited into my account that XXXX XXXXXX/XX/XXXX morning prior to XXXX as I ha XXXX done in the past. However, this weekend was different. My {$85.00} transaction from XXXX XX/XX/XXXX did not post until XXXX XX/XX/XXXX. With that being said another transaction came through that XXXX morning XX/XX/XXXX and caused my payment from XXXX  XX/XX/XXXX to be returned because of insufficient funds. With that being said if the transactions had been processed in order as per usual, my payment from XXXX XX/XX/XXXX would not ha XXXX been returned unpaid. So I called the bank on Monday XX/XX/XXXX to see why the transactions weren't processed in the order they were received and why didn't my XXXX deposit ( that was made " BEFORE '' XXXX not paid as it usually is. And to also as what exactly does the XXXX grace period mean if I don't get XXXX to make a deposit. I was told by the representative that this is for customers that has overdraft protection on their account ( which I am not eligible ), and so I asked why would I get information that is not relevant to me and my account as to why my transaction was not paid and I did not get an answer to that question. With that being said there have been other times where I have made a payment on a XXXX and deposited the funds by XXXX morning and my transaction was paid, and so I then asked why does it vary from time to time, like why is it ify ; And, the guy on the phone could not explain that to me. I don't understand why they would for XXXX process transactions in the incorrect order. 
XXXX. Rejected the transaction and tell me a reason that doesn't apply to me XXXX. Allow a certain rule ( paying a transaction when a deposit is made before XXXX the next morning ) to apply, and then XXXX day decide that they're not. Like I am not understanding why sometime it ok and others it's not... a.rule is a rule. 
XXXX. Process transactions with the correct date. I had a payment on my account that was made on Saturday XX/XX/XXXX and is pending to post to my account on XX/XX/XXXX. This can cause issues as it already has with a previous transaction. 
So the problem is posting payments in the correct order, with the correct date and applying same rule " ALL '' the time! Which is what they're NOT doing.
Consumer complaint received 2024-02-08
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

After carefully accessing my credit report I noticed credit Inquiries I have never authorized. 

CAPITAL ONE ( Bank ) XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Inter & Co Payments, Inc. ()

I have an XXXX account with INTER & CO PAYMENTS , INC., opened on XX/XX/XXXX. Turns out that since XX/XX/XXXX a problema on their platform is preventing me from accessing my account online. This has been brought to their attention on several dates, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, through their branch in XXXX, but nothing has been fixed up to now. My funds are being hold by INTER & CO PAYMENTS, INC for almost XXXX month without justification.
Consumer complaint received 2024-07-29
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CT)

This complaint is not a duplicate. This is a new complaint based on continued issues with newly purchased card. Gift card was purchased on XX/XX/year> and attempts to make purchases were made on XX/XX/year>. Upon use of the card ending in XXXX, transactions were blocked at the merchant and subsequent merchants. It has been determined that there is a systematic scheme in place to purposefully deny use of the cards. I have attempted numerous times to use the card and resolve its issues with Incomm but to no avail. Incomm tells me to use the card at another merchant despite my attempts at different merchants. If a purchase attempt was at a specific merchant, why would one try to use it at another merchant? For example, if I was looking to pay my electric bill with the gift card, why would the solution be to NOT pay the electric bill and pay different merchant? Why am I not allowed to pay my electric company? This same issue is present with previous cards purchased. So instead of more replacement cards, I am respectfully requesting that a check with the purchase fee be sent to my address. 

Attached is copy of the receipt of the gift card purchase and the gift card itself.
Consumer complaint received 2024-07-29
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: DISCOVER BANK (SC)

On XX/XX/year>, I received a call from XXXX advising me to call XXXX and to provide XXXX XXXX # XXXX. When I called, I was told someone attempted to serve me paperwork but no one was home. At this I am thinking this is in reference to something else. Something told me to look up the phone number I called and I saw information about it being a scam. I called the number that initially called me and asked what it was about. I was told it was for a Discover credit card with at $ XXXX balance and there was a civil suit against me. This debt is at least 20 years old. I have since gotten married and they were still using my maiden name and were attempting to get my new address. I wish I had googled the phone number before I called. Something told me afterward to look it up because they really didn't give me any information.
Consumer complaint received 2024-07-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Firstsource Business Process Services, LLC (OR)

Hello I want to file a complaint against Firstsource Advantage llc or XXXX XXXX. I was recently in a car accident and I was in the XXXX  for half a year. Now I'm out and making money again through my XXXX. I was paid yesterday and nobody can tell me where my money went. The balance owed isn't getting smaller either. I just want to know where my money is going or a closing of this account with no further action.
Consumer complaint received 2024-07-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Carvana Group, LLC (TX)

I did a consumer credit transaction pursuant to 15 USC 1679a with XXXX. Pursuant to the federal Reserve Act section 16 part 1 & 2 I gave them a security collateral. They asked me for a down payment and I requested them to put the downpayent In the finance charge pursuant to 15 usc 1605 finance charge is the sum of all charges. XXXX breached the contract non performance by accepting my security collateral but failing to release my credits. I advised to XXXX that I have the capacity to contract but they fail to adhere to my letter of tender instructing them to utilize the security collateral to release the credits thats owe to the principal, instead they kept and benefited from my consumer credit transaction.
Consumer complaint received 2024-07-23
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (OH)

I contacted American Express on the evening of XX/XX/year>, because after my audit of my most recent statement I caught XXXX purchases that I was not rewarded the points for. Upon the agents response was even through they sell gas their primary business is a store which is why you are not rewarded. So their terms and conditions does not clearly state that the fuel purchases made at convenience stores does not count towards the full XXXX points for fuel purchases. 
BAIT AND SWITCH
Consumer complaint received 2024-02-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Omnipoint Capital (CA)

I am writing to file a formal complaint against OmniPoint Management Solutions, LLC regarding their unlawful debt collection practices. On XX/XX/year>, I received a letter from OmniPoint Management Solutions , LLXXXX, informing me of an alleged debt owed to XXXX XXXX XXXX, which was purportedly originally owed to XXXX XXXX The letter stipulated that I had until XX/XX/year>, to respond to their communication, either agreeing to or disputing the charges. 

However, merely XXXX days after sending the letter, OmniPoint Management Solutions, LLC began harassing my relatives by contacting them via phone. This action is a clear violation of my privacy rights and constitutes harassment under federal and state laws. I had not provided OmniPoint Management Solutions, LLC with my relatives ' contact information, yet they managed to obtain it through unauthorized means, likely by running a background check on me. This unauthorized access to personal information and subsequent harassment of my relatives is unacceptable and illegal. 

Furthermore, when I contacted OmniPoint Management Solutions, LLC to request that they cease contacting me and my relatives by phone and communicate with me exclusively via regular mail, their representative, named XXXX, disregarded my request and insisted that they were within their legal rights to continue calling both me and my relatives. 

This conduct by OmniPoint Management Solutions, LLC not only violates my privacy rights but also breaches several federal and state laws, including but not limited to : The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692, which prohibits debt collectors from engaging in abusive, deceptive, and unfair practices, including harassment and contacting third parties about a debt without the consumer 's consent. 

The California XXXX Fair Debt Collection Practices Act ( California XXXX XXXX XXXX et seq. ), which mirrors many of the protections provided by the FDCPA and imposes additional requirements on debt collectors operating in California. 

By initiating harassing phone calls to my relatives mere days after sending me a letter and refusing to honor my request to communicate via mail, OmniPoint Management Solutions, LLC has demonstrated a blatant disregard for consumer rights and legal obligations. 

Therefore, I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate enforcement action against OmniPoint Management Solutions, LLC for their violations of federal and state debt collection laws. Additionally, I request that the Bureau ensure that OmniPoint Management Solutions, LLC ceases all unlawful debt collection activities and compensates me for the distress and inconvenience caused by their actions. 

Thank you for your attention to this matter. I look forward to your prompt investigation and resolution. 

Sincerely,
Consumer complaint received 2024-02-08
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

They put this debt as a move out never lived on the property. The debt wasnt honestly and correctly sent to me therefore they need to remove the debt from my credit.
Consumer complaint received 2024-02-08
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Lac Courte Oreilles Financial Services II (GA)

Illegal payday loan with unreasonable interest rates. 
Moreover, according to Section 16-17-7 of the Georgia Code, any interstate financial corporations caught at payday lending operation in Georgia will be immediately punished for it and their license suspended. This includes any out-of-state lenders and online tribal lenders.