davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-14
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Issues with repayment — 
Company: Round Up Ventures, L.P. (FL)

I have been a member of Lendly since XX/XX/XXXX the payments have been taken out of my paycheck. I have never missed a payment with lendly in XXXX of XXXX i refinanced my payments have been sucessful no missed payments in XXXX of XXXX i refinance my lendly loan my payments were {$71.00} every week my payments have been sucessful. Recently i have had expenses that have increased. the {$71.00} have been taking a huge chunk out of my paycheck. in total i have made XXXX payments towards this loan. I would like to settle the account for what i have paid and close lendly. i am struggling to make ends meet and i am on a fixed income barely making it I look forward to a resolution
Consumer complaint received 2024-01-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

This is an extension of my earlier complaint with XXXX- complain # XXXX. I closed my account with BOFA in XXXX of 2023. Since then, I have been trying hard to get my pending balance money delivered to me in the form of a cheque. 
The BOFA authorities just keep on calling me and assuring me that they have sent the cheque. They have done this 4 times now, but I have still not received my money. 
I request CFPB authorities an escalate action against BOFA so that I get not only my balance money but also interest for this delay and any penalty as applicable by law. 
If I do not get the final amount sent to me ASAP now, I will be pushed to take a legal action against BOFA.
Consumer complaint received 2024-01-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number XXXX Dear Equifax , I hope this letter finds you well. I am writing to express my concern and seek clarification regarding the accessibility of my credit report. As per the Fair Credit Reporting Act ( FCRA ), I understand that credit reporting agencies are mandated to provide consumers with their credit reports upon request.Recently, I requested my credit report from XXXX, and they promptly provided the information I sought. However, when I made a similar request to Equifax, I encountered difficulties in obtaining my credit report. This has left me puzzled and concerned, as I believe that all credit reporting agencies are obligated to adhere to federal laws regarding consumer rights and fair credit practices.I kindly request that you review my situation and provide an explanation as to why my credit report has not been made available to me, as required by the FCRA. Additionally, I would appreciate it if you could clarify any specific reasons or procedures that may be affecting my ability to access this information through Equifax.I value the importance of accurate and up-to-date credit information, and I believe that transparency in this matter is crucial for consumers like myself. Your prompt attention to this matter is greatly appreciated.Thank you for your cooperation.Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-01-14
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (AZ)

My sister 's XXXX account was compromised. The scammer then called me, pretending to be her, urgently asking for help while claiming to be in the XXXX  and in need of money due to a delayed process. Believing it to be true, I rushed to WesternUnion to send the money, thinking it would be delivered quickly. After completing the transfer, I repeatedly called my sister 's XXXX, but there was no response. Concerned, I contacted her husband, only to shockingly discover they hadn't reached out for help, and my sister wasn't XXXX  at all. Realizing it was a scam, I immediately contacted WesternUnion to halt the transaction while its still pending and retrieve my money. But the company refused to refund.
Consumer complaint received 2023-02-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (CA)

Hyundai Motor Finance will not allow overpayment or advance payment to go towardprincipal. 

My monthly payment, which is due on the XXXX of each month and started in XXXX of 2023, is {$330.00}. I have paid in advance and paid more than the monthly bill and they do not allow me to apply any of the extra amounts or payments to go toward principal. 

I have screenshots of their website showing there is no option to select " put extra payment toward principal '' and showing my history of them applying extra payments toward interest.
Consumer complaint received 2022-02-17
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: American Credit Acceptance, LLC (NV)

* XX/XX/XXXX - primary borrow ( finance was murder and all her money that she just obtained to pay this up came up missing. Notified lender same week. Thats when they advised I can do an extension if I paid 700 and produced a death certificate of the primary borrow ( melynda bown ) could not obtain the document. Kept calling lender to see if there was any other documentation I can provide proving her death. The told me the account was on hold. Had me assuming they are pausing the charge off *involved in accident on XX/XX/XXXX. Reported claim to insurance same day. Insurance company XXXX XXXX XXXX XXXX contemplated total loss all the way up until first week of XXXX. There was a delay in the claim leaving me uncertain about when they will pay the loan. They took 2 months to open and XXXX this case. And there was no valid reason why it took that long they just werent doing their job. My car was charged off in the middle of the claim and in the middle of an exstension / hood amaerican credit promised me that they did not apply to my account. They didnt tell me my account was a charged off until XX/XX/XXXX. 10 days later and when I asked why I wasnt informed so that I can prevent it I was told they did not have to tell me that information. I have no problem with paying the remaining balance but I was not allowed a fair chance to make this right after the primary died. I was doing bad at the time after catching XXXX and getting laid off 30 days. I tried to do everything I can to make things right. Please help me. American credit Acceptance abounded me and my insurance company ( XXXX XXXX ) strung me along for 2 months. Im only disputing the charge off. Yes American credit Acceptance will show u documents but they are not telling the whole truth. Its not fair that companies get to lie like this. I have never filed a credit dispute up until now. This is important because its the truth
Consumer complaint received 2024-01-14
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I have been a customer with Capital One for over XXXX years. This was my XXXX  credit card when turning to an adult. With that being said, recently I opened additional credit card with them and had no issues. I also have a checking account with them which i barley use and multiple times when i make a payment it reverts to my capital one checking account instead of my XXXX XXXX checking account for my payment. Mind you that i made several payments prior to my credit card payment being due. Since i have made several errors with my payment method, capital one closed both of my credit cards, due to returned payment. 99 % of those returned payments was because of the system auto filling it to my capital one checking account and not my XXXX XXXX checking account. This is my error as well which once i see the mistake was made, I immediately go back on the app and re-submit my payment from my XXXX account. Them closing my XXXX credit cards for this mistake caused a negative impact to my credit and also created a negative affect to my financials. I am seeking Capital one to reopen my credit card accounts and also report it to the credit bureaus.
Consumer complaint received 2024-01-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

In XX/XX/, I applied for an XXXX XXXX Credit Card with XXXX XXXX 

Once approved, I linked my account with another persons account. Doing this, created an ongoing issue. Ive never been to use the account. The other account holder is the only XXXX who was able to use the account. 

Despite numerous calls to both XXXX and XXXX XXXX over XXXX  months, the issue remains unresolved. I couldnt use the card, add it to my phone via the app, and theres an inaccurate duplicate account report to credit bureaus affecting my credit score. Ive filed several disputes with all three credit bureaus, asserting the inaccuracy of the reported duplicate account. However, their investigations consistently claim the information is accurate, despite the evident error.

This has resulted in a significant impact on my credit score, and neither XXXX nor XXXX XXXX has attempted to resolve the problem in over a year.
Consumer complaint received 2018-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MD)

I sent a letter to the three credit reporting agencies XX/XX/XXXX with a letter from XXXX XXXX XXXX card letter dated XX/XX/XXXX requesting to add my phone number to the alert on my consumer credit report ( See attached ). I did receive a notice from all three credit reporting agencies and they sent letters stating that XXXX XXXX request has been completed. However, I called XXXX XXXX XX/XX/XXXX, and they are denying that request was done. I gave XXXX XXXX my current number to customer service agent, email to the Office of the President and letters my number is ( XXXX ) XXXX but every time I call the XXXX XXXX customer service agent they would deny that the three credit reporting agencies didn't add the phone number to the alert on my consumer credit report. 
I wrote to XXXX XXXX XXXX  a certified letter XX/XX/XXXX to drop the cease and desist they claim I requested by their letter XX/XX/XXXX. 
XXXX XXXX is violating the Fair credit act and discriminating against me because I am under the protected class, they refuse to approve my application or communicate with me.
Consumer complaint received 2023-09-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

Commencing on or about XX/XX/2021, I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USD from my XXXX  account to Coinbase Inc at the instructions of the scammers.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

I'm an identity theft victim. The accounts on my ChexSystems report are unfamiliar, and I never dealt with the mentioned banks. I'm addressing XXXX XXXX XXXX  claim of an account I don't have. With numerous inaccuracies on my ChexSystems report, it's evident I'm an identity theft victim. It's frustrating to see things on my report that aren't mine.
Consumer complaint received 2024-01-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Atlanticus Services Corporation (NC)

On XX/XX/2023, the IRS accepted the 1099-C for the cancellation of debt owed to Fortiva Retail Credit XXXX And on XX/XX/2023 a 1099-C was received by me from the IRS advising me that the debt has been discharged ( cancelled or forgiven ) and Fortiva is still attempting to collect on the charged off loan. Additionally, payment was sent in full to the indenture trustee XXXX XXXX with XXXX XXXX XXXX XXXX. Though I have not yet heard back from her, according to the UCC, 3-603. TENDER OF PAYMENT. ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. Additionally, federal law says that it's illegal to report transaction history. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER, Per 16 CFR 433.2. 
The account with Fortiva Retail Credit an open-ended credit line and the credit application became a security the moment my signature was obtained. Fortiva Retail Credit and its trust companies and parent companies have committed securities fraud against me for the sale and securitization of the security that I provided them in which I received no valuable consideration for said security and it is still being traded on the secondary market.
Consumer complaint received 2023-10-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I don't want this on my report , it hurts my credit history and it's not mine.
Consumer complaint received 2024-01-14
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (TN)

The collection agency IQ Data repeatedly called me and hung up every time I answered the phone. They have reported to the credit reporting and attempted to collect on amounts not owed. IQ Data has never provided me with any written information regarding this account and did not provide me with notification of the right to dispute this reported account. I have attempted to resolve this falsely reported account with IQ Data who has not responded to my request. All of the reported information is incorrect and has devastated my good credit rating. There are multiple lawsuits against IQ Data for these same exact practices.
Consumer complaint received 2024-01-14
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BUSEY BANK (NC)

On XXXX XXXX XXXX the IRS accepted the 1099-C for the cancellation of debt owed to Busey Bank . A copy of the 1099-C was received by me from the IRS advising me that the debt has been discharged ( cancelled or forgiven ) and Busey Bank is still attempting to collect on the charged off loan. Additionally, payment was sent in full to the indenture trustee XXXX XXXX with XXXX XXXX XXXX XXXX. Though I have not yet heard back from her, according to the UCC, 3-603. TENDER OF PAYMENT.

( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract.

( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates.

Additionally, federal law says that it's illegal to report transaction history.

NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. Per 16 CFR 433.2.

Also, pursuant to 16 CFR 433.1 I was supposed to receive a purchase money loan by law, but instead Busey Bank provided me with a consumer loan.

d ) Purchase money loan. A cash advance which is received by a consumer in return for a Finance Charge within the meaning of the Truth in Lending Act and Regulation Z, which is applied, in whole or substantial part, to a purchase of goods or services from a seller who ( 1 ) refers consumers to the creditor or ( 2 ) is affiliated with the creditor by common control, contract, or business arrangement.

Finally, pursuant to federal law a contract is only valid between a finance company and a seller that's in the ordinary course of business. So the initial contract that I signed with Busey Bank is void ab initio.
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ACIMA CREDIT, LLC (NC)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 States I have the right to privacy ( 15 USC 1681 section 604 ( a ) section 2 states a consumer reporting agency can not furnish an account without written instructions. 15USC 1666 ( b ) a creditor may not treat a payment on an account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2024-01-13
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. (IA)

The following information reporting on my profile is a part of an ongoing criminal investigation. I have submitted a copy of my police report, I urge you to verify this with the FTC, and also the proper authorities. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Consumer complaint received 2024-01-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (OH)

I request that the LVNV Funding LLC provides the contract directly outlining the transfer of my rights, titles, and interests from me to them. I have sent multiple information requests to the company regarding my rights, titles, and interests. If such a contract can not be produced, I kindly ask for the removal of this information from my credit report. Specifically, I am seeking clarification on the contract solely between the LVNV and me, where I am purportedly said to have signed over my rights, titles, and interests. I am not seeking debt validation ; rather, I am requesting a direct contract with the LVNV Funding LLC to engage in business together, specifically to transfer my rights, titles, and interests to them directly.
Consumer complaint received 2016-10-04
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: American Financial Resources, Inc. (MA)

Applied for a loan 5 months ago, home purchase with a construction loan to make improvements. NOT an fha loan. Underwriter demanded a HUD inspection ( {$750.00} ) then refused to accept his findings and demanded an Engineer Inspection ( {$700.00} ). Underwriter has delayed beyond reasonable time standards, even refusing appraisal and sending it back three time. Last time for a non-essential typo. Now four days before closing the closing costs are {$3400.00} higher than original estimate. All due to the excessive delay by underwriter.
Consumer complaint received 2024-01-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America started charging a monthly or maintenance fee last year which stated they would not charge an overdraft fee, or I would not have to be concerned about an overdraft fee. I was never charged a fee because I have direct deposit. Bank of America is stating that the way my job deposits my check through ACH, I ' am being charged now. When my debit card was declined because the purchase was {$8.00} dollars over. I called in only to find out that the maintenance fee doesn't cover the overdraft fee. So, what is the maintenance fee covering?
Consumer complaint received 2024-01-13
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (NY)

I haves applied for a credit card with American Express around XX/XX/XXXXXXXX  and was denied. I then received an adverse action letter in the mail dated XX/XX/XXXXXXXX   with them showing lack of sympathy for denying me my credit. My application/promissory note and or security gave consideration and secured payment, which now was stolen by American Express . My application/ promissory not was turned into a debt security according to their prospectus, which is then sold on the primary and secondary markets. I received no benefit for providing my security to American Express and no remedy to solve this matter. This is SECURITIES FRAUD which also violates their agreement with the SEC for Securities Exchange Act of 1934.

240.10b-5 Employment of manipulative and deceptive devices. 

It shall be unlawful for any person, directly or indirectly, by the use of any means or instrumentality of interstate commerce, or of the mails or of any facility of any national securities exchange, ( a ) To employ any device, scheme, or artifice to defraud, ( b ) To make any untrue statement of a material fact or to omit to state a material fact necessary in order to make the statements made, in the light of the circumstances under which they were made, not misleading, or ( c ) To engage in any act, practice, or course of business which operates or would operate as a fraud or deceit upon any person, in connection with the purchase or sale of any security.