davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-16
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. (PA)

It has been 2 months since I have made a complaint with the cfpb regarding lvnv funding communicating with me and attempting to collect on alleged debts for the following two accounts ; XXXX and XXXX. In that complaint I had stated that they have been violating the Fair Debt Collection Practices Act ( FDCPA ) to which they have completely denied all allegations. Afterwards they stated that they would honor my request to cease all communications. Since then, they have still continued to communicate with me which is a clear violation of the FDCPA and I have proof. Now I am demanding compensation. The FDCPA defines communication as " conveying of information regarding a debt directly or indirectly to any person through any medium '' and credit reporting is an indirect medium of which they have decided to continue to communicate with me which is a clear violation of 15 U.S. Code 1692c. This company does NOT care about obeying federal laws and I am asking the consumer financial protection bureau ( cfpb ) to enforce federal laws onto this company. Otherwise I will proceed with litigation.
Consumer complaint received 2023-11-16
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: MoneyLion Inc. (CA)

Moneylion/XXXX has been providing credit builder plus loans to their members based on charging a $ XXXX fee They advertise that once you pay off the loan you can immediately re-apply and re-borrow. 

On XXXX I made a monthly payment of {$83.00} and a payoff amount of {$400.00} based on the advertising of re-borrowing. I was unable and through multiple requests I was notified they changed their policy and no longer allow their own bank account to be used for this service, I requested updated verbiage and advised they advertise the previous. They refused to help. When I advised I needed to have the {$400.00} refunded because I paid it off under false advertising they advised the payment was valid and are refusing to refund the pay off amount and have refused to acknowledge their advertising as attached.
Consumer complaint received 2024-05-02
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (PA)

I have paid my bill by the XXXX or XXXX every month, its due on the XXXX. 
I have actively paid my bill down after using it to make a big purchase for my home. 
I was never notified they were closing my account. 
I was sent a new credit card to activate at the end of XXXX for Lowes. 
When i went to sign in and pay my bill yesterday, the account had an alert that it was closed. 
I immediately called after work and the woman i spoke with said there was no letter on file in my account and put me on hold for over 10 minutes while she " looked for it. '' I was then told that even though i have made every payment, they ( being synchrony ) just decided to close it based on my credit score. 
My credit score has not changed negatively since having this card. 
They are supposedly " resending '' the account closure letter to me. 
I haven't even had this card a year yet- this is predatory. Telling me my credit looks bad so cancel my card... making it work? In addition to the utter lack of professionalism and zero communication.
Consumer complaint received 2023-05-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I mailed a dispute XX/XX/2023 to Experian the letter was recieved on XX/XX/XXXX I did not have a full acccout number for this degatory claim and no attempt to reclaim to this debt and also no notfication was sent that this debt was going to collections
Consumer complaint received 2023-11-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2023 my realtor received this text : I am a field technician from the XXXX XXXX XXXX disconnection team believe you are a license real state agent and you have this property listed, which it is schedule for disconnection today. 

I wouldn't want to cause any inconvenience, may you please relate the message to the owner or the person in charge and have them call disconnection team at ( XXXX ) XXXX XXXX or Ext XXXX with the disconnections reference XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I called back and was told I need to pay for the deposit otherwise they are going to shut down the power. They said credit card would take five days to post and ask me to transfer thru XXXX, I did the first time, {$850.00}, and was told the number was not right so I did the second time {$850.00} and was told again Im not qualified for the discount so I did the third time, {$990.00}. They said the previous two payments will be back to my account in XXXXive days, and there was no answer when I called back. 

On XX/XX/XXXX, I called XXXX XXXX to report the case, and also called BoA to report a fraud, the claim number is XXXX. Never got any investigation report. I called BoA today and they told me my claim was denied because BoA is no liable for XXXX transfer.
Consumer complaint received 2023-11-16
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: BROKER SOLUTIONS, INC. (PA)

XXXXXXXX XXXX XXXX did an inquiry for a loan, I did not do the inquiry and also XXXX/new American fundin as well. Both I dont remember authorizing! 

XXXXXXXX XXXX XXXX- XX/XX/XXXXXXXX XXXX/new American fundin XXXXXX/XX/XXXX
Consumer complaint received 2023-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Experian Information Solutions Inc. (IL)

My name is XXXX XXXX. I just noticed that my statement balance in my XXXX XXXX card in which Im the authorized user on this card. The statement normally closes on the XXXX of every month. It closed a day before causing my credit score to had dropped. I am trying to dispute my statement balance is over the limit it is supposed to be. The last XXXX digits of credit card is XXXX it is from my XXXX XXXXXXXX XXXX rewards card
Consumer complaint received 2023-11-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP (TX)

XX/XX/XXXX I traded in the XXXX XXXX rdx and took possession of the a XXXX XXXX XXXX. XX/XX/XXXX I notice a payment of {$630.00} was deducted out my checking account. Im thinking after the trade in the easy pay option would end. I went to dealership XXXX XXXX to question them about their promise to pay off trade in. XXXX finance person XXXX said itll be taken care and they would refund my payment. I had bank to reverse the payment and they sent a paid in full notice. Now Acura financial is calling me every other day saying I have an open account and its {$640.00} to finish paying off the car Ive traded off. I have contacted the dealership again about this matter and they have promised to call and sort it out but I havent heard from them yet. XXXX XXXX did us the same way on a trade in leaving almost XXXX payments unpaid on the pay off amount. We paid one payment to XXXX XXXX XXXX where XXXX was financed and the only reason they paid off the lesser amount is because they sold the car and wanted the titles. It is safe to say this is their practice and Im not the only one they are doing this way since it was done to me twice in less than 6 months.
Consumer complaint received 2023-11-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I demand that this company cease all communications with me both directly and indirectly on any and every medium as described in the FDCPA. If this is not done, this company will be in further violation of federal law because as the fair debt collection practice act states, communication is defined as " conveying of information regarding a debt directly or indirectly to any person through any medium ''. Communicating with me via credit reporting is a violation of this act and I will seek compensation if you do not cease as I have a right to financial privacy.
Consumer complaint received 2024-05-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/year> I went into a chase branch to be added to my fiancs checking account to which i was denied with no explanation i then applied for an individual secure account and was approved to then later have it be closed by chase within the hour of me being approved and having it open pls note that this is the second time chase opens an account for me and without notice closes the account i want to have them open an account for me leave it open and not close it this is ridiculous that they approve it then close it with no explanation
Consumer complaint received 2023-11-15
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. (IL)

I have XXXX XXXX inquiries on my credit report that i know i did not apply for, as well as XXXX collections account on my Equifax report! 

Hard Inquires on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  from Equifax XXXX XXXX XXXX {$130.00} XX/XX/XXXX Original creditor is XXXX
Consumer complaint received 2024-05-02
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: World Omni Financial Corp. (FL)

I was not notified of any action or balance against my loan account. I was not provided with any communication ( Email, Call, official XXXX mail ) explaining that my vehicle was to be repossessed and that my account had gone unpaid on their side. I had used their provided payment portal through their phone number to process payments up to this point. I had only even been notified that my vehicle was repossessed after my roommate noticed it was not where it had been parked, and I called my financing company The company is XXXX XXXX XXXX
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Credit Karma (MA)

I have had a Credit Karma account since XXXX to occasionally check my credit score. 

On XXXX I received an email with the subject : " New hard inquiry on your credit report " The content of the email clearly states " There's a new personal loan inquiry on your credit report* '' and " *Based on your credit report information from XXXX as reported on XXXX '' This is objectively false - there has been no hard inquiry or personal loan inquiry of any kind on my credit report, either XXXX or any other. I have confirmed this by checking my credit report using my bank, as well as my account on Credit Karma 's own website. My XXXX credit report clearly states that there are XXXX hard inquiries on my account as of today 's date XXXX 

Therefore, it seems that the email I received was a predatory marketing tactic to attempt to get me to apply for a personal loan through Credit Karma 's service, which frankly seems insane on their part. I'm genuinely surprised that any business marketing department would send an email with such a clearly stated lie in writing. 

The email also states, " It looks like a lender checked your credit report. If you already got a personal loan, confirm the details for us and we'll look for chances to refinance and save in the future. And if you're still looking, we can help you compare personalized recommendations based on your needs. Head over to Credit Karma to get started. '' The link from the email to " See the Inquiry '' prompted me to apply for a personal loan with Credit Karma. And again, there is no hard inquiry on my account. 

I do not personally require further action from Credit Karma, as I will be cancelling my Credit Karma account, but I wanted to make a formal complaint to inform the CFPB of this marketing practice as it may inform a larger investigation.
Consumer complaint received 2024-05-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

I was trying to purchase a DJ controller off of XXXX XXXX. Was in communication with the seller and we both agreed with the amount of {$160.00}. This was around XX/XX/2024. He sent me a number to send the money through XXXX XXXX. Turns out to be a scam. He claimed that he never received it and proceed to keep sending him more money. I filed a claim with Wells Fargo and they denied it because they can't due a charge back because it was a third party.
Consumer complaint received 2023-11-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: SYNCHRONY FINANCIAL (AZ)

Since XXXX, XXXX to today XXXX XX/XX/XXXX, I have not been able to access my savings account with Synchrony Bank XXXX I went through several bankers and tried everything suggested. I can access the website even though when I try to access my account, I receive " This site can not be reached and might be temporarily down or may have moved permanently to a new web address ''.

I have lodged a complaint with the Connecticut Attorney General today.

It is very important that I be able to access my savings. Can you help me?
Consumer complaint received 2022-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I sent a letter on XX/XX/XXXX to XXXX Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX Balance : {$29000.00} ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, KY 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (LA)

Att : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX RE : Credit Reporting Act Violation Dear Discover Financial Service/ XXXX XXXX XXXX You/Your Company are in violation of the Credit Reporting Act 15 USC 1681 b for unlawfully obtaining my XXXX consumer report on the dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX without my authorization and permissible purpose under the FCRA, as a XXXX of you unlawfully obtaining my consumer report without my permission you are liable to me actual damage or statutory damage about up to {$1000.00} in punitive damages. Pursuant to 15 USC 1681n ( 1 ) ( B ). I am demanding {$1000.00} per violation. Pay me {$13000.00} and deliver it to my address above within the 14 days of receiving this demand. Please provide an Affidavit Certifying that Discover Financial Service did not breach any laws under the FCRA.

Thank you for your time and attention. 



Sincerely, The letter above was mailed on XX/XX/XXXX via USPS and was delivered on XX/XX/XXXX at XXXX XXXX. As of XX/XX/XXXX I have yet to receive a response from this company.
Consumer complaint received 2023-11-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIRST PORTFOLIO SERVICING INC (GA)

I have been getting emails from Revvi credit card about a debit that I owed that was due to fraudulent activity and stolen identification And they said that I was responsible for the debit even though my correct address is not the address they have for the account they said is mine. And I request that this be removed from my credit report immediately
Consumer complaint received 2023-11-15
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (CA)

I moved out of the house. I paid off the owed amount and told them to shut off the service. 
They continued to charge me and I emailed them via their billing notification that I was no longer there and do not want the account. 

Also when there was one missed payment they shut the service off so i was might only owe XXXX month 's worth of internet.
Consumer complaint received 2023-11-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC (FL)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S.

Code 1681i ( 5 ) these account are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-11-16
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: EQUIFAX, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-03-14
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: Experian Information Solutions Inc. (FL)

ive been a victim of idenity theft i check my credit in janaury and notice a XXXX XXXX XXXX XXXX credit card open under my name that i didnt consent to are had any knowledge of this account. someone open and this XXXX XXXX credit card under my name using my social security number my driver license and my address through united states postal service mail forwarding and also used spoof my cell phone number and open a bank account with XXXX XXXX
Consumer complaint received 2023-11-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (CA)

I hope this letter finds you well. I am writing to formally request the removal of late payments from my accounts. I understand the importance of accurate credit reporting and am reaching out to seek your assistance in rectifying the information associated with my account. I understand that your policies and procedures must be followed, and I am prepared to provide any necessary documentation or information to support my request. If there is a formal process for disputing or requesting the removal of late payments, please guide me on the steps required. WELLS FARGO CARD SERVICES XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or WELLS FARGO CARD SERVICES XXXX customer service representative.
Consumer complaint received 2023-11-16
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. (PA)

This company did not do what they said that they would do. They have stated that they would honor my request to cease all communications and yet I had found that they are still attempting to communicate with me which completely violates the fair debt collection practices act. Under chapter 41 of title 15, the fair debt collection practices act defines communication as " conveying of information regarding a debt directly or indirectly to any person through any medium ''. Credit reporting is an indirect medium that this company is using to communicate with me and I had thought that this company " Obeyed '' federal and state laws and yet they had over looked the first XXXX subchapters? I have reason to believe that this company is purposely doing this for financial gain. It is clear that they do not care about a consumer 's right to privacy so I do intend to litigate if this matter does not get solved immediately.
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.