davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-02
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)

Reporting an alleged debt in the amount of {$150.00} to credit bureaus. Company has refused or is unable to provide the requested information per consumer protection and FDCPA guidelines. 

1. My full and complete personal information including SSN, DOB, etc to help identify me as the person you are trying to collect from 2. Agreement that bears the signature of the alleged debtor wherein he agrees to paid the original debtor.

3. The obligation between you and I that allows you to collect on the alleged debt and any transactions between your company that binds me to an agreement to pay your company any money money that you claim I owe. 

4. Proof of identification ( i.e., drivers license, state identification card, or other government issued identification ) that was presented to you at the time of incurring this alleged debt. 

5. Letter of sale or agreement from the original creditor to your company ( Agreement with your client that grants you the authority to collect on this debt ) Coppola v. Arrow Financial Services, 302CV577, 2002 WL 32173704 ( XXXX XXXX XXXX XXXX ) - information relating to the purchase of a bad debt is not proprietary or burdensome. 
Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how the amount sought was calculated, where at issue a list of reports to creditor, and documents conferring authority to collect on the debt. 

I'm sure you know, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until this debt is validated. You should be made aware that in Boatley v. Diem Corporation, No. Civ 03-0762 ( XXXX XXXX XXXX ), the court ruled that reporting a collection account is, indeed, considered collection activity. You should also note that this is not a request for " Partial '' Validation but rather, it's a request for EVERYTHING listed here in order to constitute full and sufficient validation of this debt.
Consumer complaint received 2024-05-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: Tesla, Inc. (MD)

I placed an order for new Tesla vehicle to take advantage of their current financing offer. I placed order on XX/XX/year> and applied for financing and approved for it same day. I submitted my trade in vehicle information through their portal. The trade in vehicle is an older model Tesla and I received financing through Tesla as well. Since I owed more than the vehicle was appraised for, I was advised they will make changes to the original application. They then proceeded to pull my credit multiple times, at least 8 through different bureaus without my approval for additional credit pull. I was not advised of the additional credit pull as my understanding they has already approved my loan with initial pull. Ever after additional credit pulls, Tesla and its employees failed to inform me of any outcomes. I have tried multiple attempts via phone and email and was not able to get any pertinent information on what is going on. As a consumer, its been frustrating regarding the credit process which has not been very transparent and misleading from the beginning. Had I known they they will do excessive credit inquires I would not have proceeded with the process. I feel very helpless as I can not get ahold of anyone at Tesla to remediate the situation
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (SC)

I had contacted the copanies with certified letters asking for detailed billing information, signed contract with the debitor and I have yet to receive any information that included any of the following. The information is inaccurate and should be removed off my XXXX credit report as it has already been removed from my XXXX and XXXX.
Consumer complaint received 2023-08-02
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Stewart Information Services (VA)

PLEASE SEE ATTACHED NOTICE OF ALLEGED BILLING ERRORDISPUTE, PAYEE IDENTIFICATION DISCREPANCIES, AND REQUEST FOR CLARIFICATION OF CONSUMER CREDIT REPORTING AGENCIES TRADELINES IN CONNECTION WITH CONSUMER [ NONBANK ] MORTGAGE LOAN ACCOUNT NOS. : XXXX AND XXXX, INSURED BY THE UNITED STATES FEDERAL GOVERNMENT [ AGENCY CASE NUMBER : XXXX AND RECEIVABLES. XXXX XXXX XXXX, XX/XX/2023 PLEASE SEE ATTACHED NOTICE OF ALLEGED BILLING ERRORDISPUTE, PAYEE IDENTIFICATION DISCREPANCIES, AND REQUEST FOR CLARIFICATION OF CONSUMER CREDIT REPORTING AGENCIES TRADELINES IN CONNECTION WITH PROPERTY OWNERS AND CONDOMINIUM UNIT ASSOCIATIONSACCOUNT NOS : XXXX, XXXX, AND XXXX, INSURED BY THE UNITED STATES FEDERAL GOVERNMENT [ XXXX XXXX XXXX XXXX XXXX ] AND RECEIVABLES. XXXX XXXX XXXX XXXX XX/XX/2023
Consumer complaint received 2024-02-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (NC)

Unhelpful employee. I called in regards to a dispute made towards the company which was deleted from my credit report. There are numerous amounts of calls received from multiple different numbers daily. They call and immediately hang up before I can get the chance to answer. When I call back I am put to an automated system to which I have to dial numbers to reach a representative. This is not okay and prevents me from answering other important calls and trusting other calls are from a reasonable company or person.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

PLEASE BLOCKED AND REMOVED It is paramount to acknowledge that I did not authorize these accounts, and their presence is causing me significant distress. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your swift attention to and resolution of this issue are highly appreciated.
Consumer complaint received 2024-02-01
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: AMERICAN HONDA FINANCE CORP (NY)

On XX/XX/XXXX I called Acura Financial to dispute a {$410.00} upfront tax assessment charge on my monthly statement as the statement also showed a {$310.00} tax credit. In addition I received a letter from Acura Financial Services explaining the tax charge and stating that I only owed {$95.00}. After speaking with the representative, he said he would escalate and call me back. I missed the initial call back, however, I returned the call on XX/XX/XXXX, and spoke with a second representative who after speaking with me placed me on hold so he could escalate the matter. I was on hold for over an hour and then the line disconnected without resolution. I called back two hours later and spoke with a third person who after speaking with me stated that she would speak with the previous person to identify what was done. After being on hold for over another 90 minutes the call was once again disconnected without any resolution. I immediately called back and after expressing that I was frustrated and preferred to speak with a supervisor who could actually resolve the problem the inidividual hung up on me. At this time I'm filing a formal complaint and only seek for the tax assessment charge to be corrected to the {$95.00} which I actually owe and paid on XXXX and have the remainder of the incorrect {$410.00} removed.
Consumer complaint received 2024-02-01
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: BlueChip Financial (FL)

Says loan was taken out XXXX XXXX XXXX XXXX XXXX XXXX {$1800.00}. XXXX. Ref XXXX. Online loan never received.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (CA)

Ordered a XXXX vacuum ( Serial XXXX ) XX/XX/XXXX in the amount of {$380.00}, returned and received by XXXX XX/XX/XXXX. Affirm told never got the refund credited. Called many times between Affirm and XXXX to sort out to get my credit ; finally got email confirmation from XXXX XX/XX/XXXX refunded {$340.00} with reference number ( attached file ). 

Contacted Affirm through calls, chats, open cases with their resolution center to sort out to get my refund from my partial payments ( Total of {$190.00} ), but being told credit wasn't there. I was being directed to contact XXXX, and when I did I was told refund being credited as the reference number has confirmed. Affirm refused to step up and investigate where the money went from XXXX 's credit and closed my dispute cases over and over with irrelevant reasons. I had sent a letter to Affirm 's headquarter addressed to the management team to help look into my cases XX/XX/XXXX ( Case ID XXXX and Case ID XXXX ) as they wrongfully report to the XXXX Credit Bureau that my loan has been past due and delinquent since XXXX ; while I should be getting my money back from the refund. 
I have tried for months and instead of getting my {$190.00} back from the loan, Affirm wrongfully damaging XXXX points from my XXXX XXXX. Seeking help from the CFPB to assist in this as this is outrageous and is a bad business to many consumers Appreciate your help and follow up. 
XXXX
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (GA)

There is a BANKRUPTCY reporting on my credit report, This BANKRUPTCY is not mine and is result of FRAUD/ERROR. Please REMOVE it from my credit report IMMEDIATELY! because it is hurting my credit score so much. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2023-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: KEYCORP (OH)

On XX/XX/2023 I visited a local Keybank branch office to provide the necessary documents in order to access my father 's checking account ( set up under his trust ) and money market. I provided the entire Trust documents to include the Trust Agreement, Affidavit and Acceptance as successor trustee, and two independent medical certification letters prepared by my attorney, along with the Durable POA, giving me comprehensive financial authority inclusive of the Estate and Trust. I am seeking access to my father 's accounts in order to pay his XXXX XXXX XXXX XXXX home expenses. My father is a long term patient in a memory care facility and currently under hospice care. Despite a follow up visit to the branch office and elevating the complaint to the KeyBank Client Relations Office of the President at the Corporate office, I have received no response. I have made follow up phone calls without response, and nor have I received any written response validating their denial in accessing my fathers accounts. The verbal explanation I was give by the local branch, is their legal department has denied the validity of the XXXX certification letters, which took six months to secure from the XXXXXXXX XXXX XXXX Both these letters were prepared by legal counsel, signed, dated, and fully compliant under state law. 
Furthermore, a notarized affidavit was attached with my assignment as successor trustee. These documents were fully accepted by at least four other financial institutions and insurance companies.
Consumer complaint received 2023-08-07
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. (MO)

Back in XXXX I requested for XXXX XXXX account # XXXX to send me their XXXX and XXXX regarding legal proof of the resale of the subject vehicle. They did send this information ; However the information that was sent stated a different amount other than the one that was reported on the documents. Also all the for last active dates are different and keep changing which is in violation of the FCRA. Due tot them consistently changing the last active dates it is causing the statute of limitations to restart, for this reason I would like this removed immediately from my credit report. If the credit bureaus do not remove this information they are in direct violation of the FCRA and the creditor is in violation of the FDCPA for reporting the incorrect amounts from what they are reporting to the credit bureaus.
Consumer complaint received 2024-05-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (NC)

Based on the bank stated that there was XXXX transition unauthorized from me and total roughly {$1900.00} from XXXX as showed on my online bank statement {$900.00} has been charged. After I called the fraud department, they only allowed me to wait for paperwork for dispute from post mail. The representative stated that the card I never received and they approved to use for this business checking account that I did not have any knowledge of. The US Bank failed to verify me when these transition via online. Being a small business owner that we need a reliable banking institutions to help us manage our business account. After I called the branch and talked to the XXXX representative, he shared about the fee of total {$1900.00} all from XXXX. Because I did not check my online statement yesterday XX/XX/XXXX, then I checked this morning and discovered it. I often checked everyday. I am also planning to send a complain to US bank XXXX as well. It is such disappointed how they reacted when I complained. I am waiting for a better explanations from US bank.
Consumer complaint received 2024-02-01
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: CITIBANK, N.A. (FL)

XXXX provided a copy of my credit report to multiple companies without my authorization : -CBNA  on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXXXXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX As such XXXX it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.
Consumer complaint received 2024-05-20
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: CITIBANK, N.A. (WI)

I have had my Citibank card hacked to the balance of approx. {$1300.00}. That happened between XX/XX/XXXX and XX/XX/XXXX. I closed my card and they sent me another card that I never activated. They allowed more charges saying they were reoccurring charges however, thery were not my reoccuring charges. They were for cell phone accounts. I called them again when I saw more charges and they closed the card and sent me another card that I never activated but they allowed more charges. I have been able to have charges reversed and gotten my balance down to zero. Citibank then decided to reverse some of the charges and the balance is now XXXX. They are saying that I was at restaurants in Michigan and XXXX XXXX and had a membership to an online health club. I have done none of this. Never purchased these services and have never been in XXXX XXXX or Michigan. I have never asked for a health club membership and now they are saying there is something with XXXX XXXX XXXX. I have spent hours on the phone with multiple people from Security ops to customer service and just spent another XXXX hours with them today ( XX/XX/XXXX ) and they always say they are going to reverse charges and then it doesn't happen. That has happened no less than 4 times. They now have put on my credit report that I have not paid them in 90 days and they are ruining my credit.
Consumer complaint received 2024-01-31
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd (NJ)

I initiated a remittance transfer on XXXX and money was deducted on XX/XX/XXXX from my checking account. Its been more than 2 weeks and I have called the customer service more than ten times and every time they say its pending with verification team. Every time I hear the customer service they say its been escalated and will be taken care in 2 business days. No progress and the purpose of the transfer didn't serve. I'm not allowed to cancel the transfer and I have escalated the same to customer support but no resolution. 

I received this email after speaking with support and no progress after that - Transfer # XXXX has now been resumed and your recipient should receive the funds soon. 

Please review the bank accounts associated with your Wise account, and be sure to remove any details that are no longer active. This way, your account will be kept up to date. 

I literally requested to resolve this multiple times and the customer support acknowledged they don't have any control and all they can do is escalate the case. 
The purpose of the remittance is void. I would like my money refund and I have spent 7-8 hours and i want this to be resolved and the respective team should be taken with necessary action so they don't repeat this on other customers.
Consumer complaint received 2024-05-20
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (TX)

Company said I was pre approved and they pull my credit report twice with XXXX and I was told to upload my ID and and take a picture and record a video and within 30 mins my application was denied and they wouldnt removed the double credit inquiry on my credit report and I have good credit history and they refused to review my application for XXXXXXXX XXXX XXXX and scam me for two double hard inquiry.. I want them removed or I will take legal actions..
Consumer complaint received 2024-01-31
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (PA)

I the consumer submitted an application on XXXX Reference no. XXXX Amex Gold card & XXXX Amex Platinum card and was Denied. 12 CFR 10021 ( a ) ( b ) with Maximum allowable by the applicable law ( 12 CFR 1022 ( v ) 12 CFR 1002.7. Withholding my access to my Credit is Securities fraud. AMERICAN EXPRESS is in Violation of the equal opportunity act & .consumer credit protection act. AMERICAN EXPRESS is subject to criminal liability for violating 15 U.S.C 1691 as I have proof that i was discriminated against due to no response. American Express is in violation of 15 USC code 1642 USC 1681m & 12 CFR 1002 because I the consumer gave them an application ( security ) in good faith and but credit was not issued. Furthermore, because my social security number ( credit card ) was used & I received NO benefit this is PROOF of securities fraud ( UNAUTHORIZED USE OF CREDIT ) on behalf of AMERICAN EXPRESS. As listed in ( 424b5 Prospectus & ) UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, XXXX XXXX FORM 10-Q QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15 ( d ) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Quarterly Period Ended XX/XX/XXXX or TRANSITION REPORT PURSUANT TO SECTION 13 OR 15 ( d ) OF THE SECURITIES EXCHANGE ACT OF 1934 5. Asset Securitizations We periodically securitize Card Member loans and receivables arising from our card businesses through the transfer of those assets to securitization trusts, American Express Credit Account Master Trust ( the Lending Trust ) and American Express Issuance Trust II ( the Charge Trust and together with the Lending Trust, the Trusts ). The Trusts then issue debt securities collateralized by the transferred assets to third-party investors. If American Express fails to send me both my Credit Cards i will indeed make American Express criminally & civilly liable for all actual damages pursuant to 15 USC 1681n & 15 USC 1681. I will also follow up with an invoice for said violations ( {$1000.00} ) per violation. Account will be Open-ended/No Preset limit. Accounts will be automatically adjusted for each balanced statement. If compliance with your Indenture Agreement & SEC Filing is not honored I will contact the SEC for violation of said agreement.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (LA)

I have reached out to Lexis Nexis to have public records removed and deleted from my credit file. I have no gotten a response and feel as though Lexis Nexis didnt properly investigate my situation abd ignored my letter ( s ). I have contacted the courts and their response is enclosed/uploaded. They do not report to any credit bureau, so tge reporting requirements do not comply with the FCRA 611 ( 15 U.S.C. 1681 ) abd must be removed and deleted immediately.
Consumer complaint received 2024-01-31
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: FIRST NATIONAL BANK OF OMAHA (PA)

Opened a account with XXXX XXXX XXXX  via XXXX XXXX they issued XXXX credit limit in XXXX. By XXXX my credit limit had increased to XXXX, I never had a late payment and paid more than minimum payment each month. The bank started decreasing my credit line each month which made it appear that I was more than 30 % utilization rate. each month that I continued to pay they decreased my credit amount. I am know back down to XXXX and I was not given any real explanation for the decrease. However I can not use the card any longer because each payment that I make they bank keeps lowering my credit limit to match the owed debt. Bad business putting me at risk for not forming other relationships with substantial credit limits.