davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-27
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

On XX/XX/2023 I the the consumer natural person initiated an consumer credit transaction with Bank of America for {$70000.00} for a car loan was denied credit. As a credit worthy applicant applying in good faith 12 CFR 1002.7, I believe there is a misunderstanding of my rights and the laws governing Consumer credit transactions. No creditor shall deny a consumer 's credit extension, and I have incurred damages stated in attached affidavit due to this decision.
Consumer complaint received 2023-11-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: RS Clark and Associates, Inc. (NC)

I'm not gon na pay this supposed debt RS Clark & Associates says I owe. I checked out my rights under the Fair Debt Collection Practices Act ( FDCPA ), and it says I can dispute any wrong stuff on my credit reports. I've got proof that RS Clark & Associates is doing some shady stuff using bad language ( which is a no-no under 15 U.S.C. 1692d ( 2 ) ) and lying to collect debts ( which is also a no-no under 15 U.S.C. 1692e ( 10 ) ).

I don't care about validations or verifications. In North Carolina, the time limit for this debt is three years, and that's already passed. My big problem is them putting false info on my credit report. They got ta get rid of this bad account and other negative stuff ASAP. 

If they don't fix it in the next 30 days, I'm gon na have to complain to the United States District Court for the XXXX XXXX of North Carolina. Just trying to sort this out without going that far, but they got ta act quick.
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

On XXXX a Natural Disaster happened in Florida which my car was totaled out by XXXX XXXX XXXX XXXX. A check was mailed to XXXX XXXX XXXX for $ {$4900.00} and not excepted due to XXXX XXXX not be able to deposit. Meantime I had to continue to make payments. Another, check was mailed to the same address and account was paid off and a balance due to me. 

During this time the account was labeled as closed to all credit bureau. I called the finance department and ask why they labeled it closed instead of paid off. Credit report went down XXXX points and no refund after many calls for my overpayment to them. 

I am baffle that a natural disaster could cause so much damaged to ones credit score after paying on time and the account was reported to all credit companies as closed resulting into a negative adverse effect. I would like the correction from XXXX XXXX to be updated to paid off when that is what happen and my refund issued immediately.
Consumer complaint received 2023-11-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NY)

I made XXXX minimum payments of {$57.00} to my PayPal credit account on XX/XX/XXXX and XXXX both payments were rejected by PayPal because PayPal stated my checking account had insufficient funds therefore the minimum payments could not be made from my checking account. I was shocked to see that the two payments were rejected by PayPal because I have sufficient funds in my checking account. PayPal also charged two returned check fee amounts to my credit account of {$30.00} because the two minimum payments were rejected. I went to my banking institution ( XXXX XXXX XXXX XXXX on XX/XX/XXXX to check my checking account to see why the two payments were rejected because I have sufficient funds in my checking account.The representative at XXXX told me that XXXX would open an investigation to see why the two payments were rejected by PayPal because I have sufficient funds in my checking account. Later that day XXXX emailed me a letter stating that the reason why the two minimum payments were rejected was because PayPal was trying to pull the funds from an account that was not my checking account with XXXX. XXXX told me to contact PayPal and tell them that the minimum payments were rejected because they were trying to take the payments from a checking account that was not listed as mine with XXXX. I contacted PayPal earlier today and stated to a representative that I contacted my bank and they stated that the payments were not pulled from my checking account because PayPal does not have the correct checking account under my name on file. I told PayPal I do not owe a {$86.00} minimum payment on XX/XX/XXXX because PayPal was trying to pull the funds from a checking account that is/was not mine.Plus I want the two returned check fees of {$30.00} credited back to my credit account because they should have not been charged in the first place because PayPal was trying to pull the two minimum payments fees from a checking account that was not mine. PayPal is still trying to say I owe the {$86.00} minimum payment fee when I paid the {$57.00} minimum payment fee on time.
Consumer complaint received 2023-11-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FIRST HAWAIIAN, INC. (HI)

I am so sick of this .... 
On XX/XX/2023 I initiated a {$120.00} payout XXXX XXXX that had a displayed processing date of no later than XX/XX/XXXX ( the next business day ), which means the funds would have typically posted to my bank account by the XXXX. Upon checking my survey.com account and email I can see that not only was the payout not processed by that time, but has also not been processed at all as of the XXXX, which means that, at the earliest, the payout won't be sent to my bank account until next Tuesday! Because I am very familiar with the timing of the payouts from this source I had a delayed emergency payment to another account scheduled to not post until just after this payout posted, but that is not what happened since I haven't received any funds as of yet on time for this payout. I also had a payment scheduled from another which posted to the account on time as it should have because they appropriately processed it in a timely manner. Both payments would have posted at the same time if it wasn't for XXXX mishandled this. 
This has caused my bank account to be overdrawn and a {$30.00} NSF fee will be assessed this weekend or on Monday the XXXX. I am absolutely livid and disgusted. I absolutely can not afford to pay this extra fee expense at this time because of this company not processing payouts in a timely manner. 
I understand that this is not FHB 's fault or a bank error, but the extra fast processing of the charge to my account on the XXXX instead of the XXXX is questionable. 
I am requesting reimbursement of the {$30.00} NSF fee.
Consumer complaint received 2024-03-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (IN)

i'm contacting you to challenge the addition of this bankruptcy to my credit report. It's troubling because I have official correspondence from the court explicitly instructing against its reporting to you. Moreover, the involvement of an unauthorized third party amplifies the absurdity of this matter.
Consumer complaint received 2024-03-15
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. (FL)

I called your department after I purchased a credit report with MyFreeScoreNOW After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were COLLECTION and LATE CLOSED accounts on my credit report. This is disappointing because I have been paying Credit Hero to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a late closed and collection that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these XXXX XXXX and collection, including this incorrect information from my personal profile. A copy of my XXXX XXXX, drivers License, and my XXXX XXXX XXXXXXXX are all included in this written request. Please help me resolve this issue as soon as possible. 
PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS : DEPTEDNELNET XXXX TXXXX XXXX ; Inquiries : XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX Inquiry Date XX/XX/2023.
Consumer complaint received 2023-11-26
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (CA)

i have a credit card with commenity bank, i do all my transactions online, they are requesting a 2nd payment for the month of XXXX, i paid XXXX already, 2nd they gave me a late payment fee of XXXX in XXXX when i paid the bill on time and on the due date indicated on my statement i want a refund, also they decreased my credit limit due to illegal assessment of my account. Also during covid19 i requested hardship program and since completed it and they will not remove my information that i completed program. ONe is my credit limit was reduced and i requested a credit limit increase and because they failed to remove me from program i was denied increase. Also they will not give me answers to my basic questions. i want a refund.
Consumer complaint received 2023-11-27
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (AZ)

Per AZ statute law, A.R.S 33.1321 landlord required to send itemization of fees, charges, and deposit within 14 days of move out which I moved out by XXXX XXXX XXXX sent bill 7 months later on XX/XX/ with fraudulent charges saying I owed them.
Consumer complaint received 2023-11-27
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (MS)

On XX/XX/2023 I sent a notice of dispute letter to Nelnet for inaccurate credit reporting on my credit report which is reporting missing information and inaccurate late payments that's reflect on almost several different accounts. I told Nelnet what the inaccuracies are and highlighted the section in which there were inaccuracies. They are responsible for thoroughly investigating the accounts since they are the data furnishers of information. On XX/XX/2023 the letter I wrote them was received. On XX/XX/2023 Nelnet wrote me a letter back which I received XX/XX/2023 of Nelnet stating that the account information was not going to be changed. I have provided this company with sufficient information, and they are assuming different. I'm not going to over prove myself to a company that is misreporting MY private account information. This is also my very first time disputing the inaccurate account information. It is a fact that this company did not do a thorough investigation into the matter which takes up to 30 days. Nelnet has violated my consumer rights per 15 USC 1681s-2 responsibilities of furnishers of information to consumer reporting agencies and 15 USC 1681o Civil liability for negligent noncompliance, and 15 USC 1681 Civil liability for willful noncompliance. This is unfair credit reporting practices and as a result Nelnet has shown themselves untrustworthy when reporting my personal account information to the Consumer Reporting Agencies. I want the inaccurate accounts that are still currently reported on my credit report deleted because it is affecting my credit worthiness, and the company has already proven that they are not going to correct the issue.
Consumer complaint received 2017-03-28
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I 've had an on going problem with my checking account recently. First off, I had trouble with my insurance lady to try and cancel my auto payments. She said she did, she did not. Payment still went through, overdrew my account. I filed a dispute and instead of the insurance company putting the money back in my account, they sent me a check. In the mean time, the bank just kept racking up the overdraft fees after saying they all would be taken care of after the dispute. Now, weeks later I am still without a bank. Negative over XXXX in overdraft fees which I ca n't pay and when I call to explain, they ask if there 's anything I can do about that? I filed a dispute. They said they never got forms which I never got In the mail and closed my case. I went into the back and talked to a guy and he faxed a new case over, they mailed it back to me to fill out my account number, and send it back so I did that. Then I get a letter saying they never got the form again and closed my case again. Please help. I do really like Huntington bank. Now that the locations have more than doubled it 's been more than convenient. And if they close my account, it will be more than inconvenience to find a new bank. Thank you for your time.
Consumer complaint received 2023-11-27
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIDELITY CAPITAL HOLDINGS, INC (GA)

The Fair Credit Report Act ensures your right to an accurate consumer credit profile. It obligates companies to report truthful information on your credit report. It also provides some ways you can challenge information you think is inaccurate.

The Fair Debt Collections Practices Act also helps ensure creditors are honest when reporting or collecting debts. Additionally, it prohibits collectors from engaging in harassing or abusive behavior to collect a debt, including contacting you excessively or at inappropriate times. You might be able to report or seek remedies from collectors who break these FDCPA rules for fair collections.

The Truth in Lending Act is part of the Consumer Credit Protection Act. This law deals with what information lenders must disclose, how they can advertise their products and rates and what rights you have when a lender isnt truthful or transparent. 

Fidelity Credit Services is showing I owe XXXX. I would like for Fidelity Credit Services to show the Rental Agreement I signed with their company.

I would like for them to show the court order in the amount I owed to Fidelity Credit Services. I would like for Fidelity Credit Services to show where I gave them permission or anyone permission to gain access to my personal information. In the State of Georgia The Georgia statute of limitations on debt is six years for written contracts. This information has been on my credit report for 8 years. If this agency can not provide a contract where I gave them permission to access my personal information. If they can not show proof of a court order where a Judge gave Fidelity Credit Services permission to access my information. This is my last attempt to remove the false debt. I do plan on taking legal action which is my right in the amount of {$1000.00}.
Consumer complaint received 2023-11-26
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SD)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had 8 late payment on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been Wait on payments of an attached copy of my report to this complaint on the following dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified, I demand Those payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2023-11-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/XXXX I reached out to XXXX XXXX XXXX XXXX as I was in the process of buying a car. I previously used XXXX XXXX to purchase my previous car back in XXXX. In speaking with the loan agent she informed me that they would have to run a credit report on me. I asked what platform they used and I was informed Transunion. I can't stress this enough. She told me they used TransUnion. Upon checking my Transunion report ( attached ) I realized I qualified for the best rate with a score over XXXX. XXXX XXXX then ran my report and informed me that " Their Model '' came back with a score of XXXX. ( See attached - XXXX XXXX XXXX ). I informed her that she told me she was using Transunion. She then told me that they use a " different method ''. SHE LIED TO ME. It was a bait and switch. I lost out on the car. I never would have applied had she TOLD ME THE TRUTH. I have contracted Transunion and they are of XXXX  help. They keep telling me to go back to XXXX XXXX. When I contact XXXX XXXX they tell me I should contact Transunion. It's the definition of finger pointing.
Consumer complaint received 2023-11-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (WY)

I believe that Capital One has threatened me for complaining to multiple agencies and other entities about a closeout cashier 's check they sent me that bounced twice.

I filed a complaint previously about my closeout check from Capital One bouncing. In response, I believe that the president of Capital One, XXXX XXXX through his representative has threatened me. I received a message from someone in his office lying and telling me that someone from their security department had been trying to reach me. This was not true and Im not sure why the Capital One presidents office doesnt know that phone records can be easily accessed. No one had called me prior to that voicemail message. Capital One has a history of harming and violating the rights of minorities. I believe the lie she told in her voicemail was an implicit threat against me. Why would security need to call me? She was calling from the presidents office and she knew that no one had called me. She left that message because I complained to multiple agencies and have started calling the media. I firmly believe that was her attempt to threaten and intimidate me and it is unacceptable. Ive included content from the message below and have only removed names. The check represents several Social Security deposits that I received because I am XXXX. Not only did the cashiers check from Capital One bounce, I was charged two return check fees for almost {$50.00}. When I called Capital One, the representative was psychologically abusive and tried to make me believe that it was not their fault that their cashiers check had bounced. I was told that I needed to take it to another financial institution because it was a cashiers check and there should have been no problem. None of that was true. I should have received my funds in XX/XX/2023 only to finally receive a bad check from them in XX/XX/2023. This has devastated me financially and harmed me in myriad other ways affecting my health. 
" I left messages for -- -- -, this is -- -- - calling from Capital one 's Office of the President. I was reaching out today about a complaint I received if you could contact myself back or the Capital One Security team. We previously left you a voicemail earlier today. They do have a little more availability than myself, but my number is XXXX. If you do want to reach out my extensions XXXX. I'm generally available from XXXXXXXX XXXX. To XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX To XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you. Have a great day. '' Again, lies. That was the only call that I received at all and I got a voicemail when I called back, but I don't trust them at all. This is a large bank and their XXXX 's check bounced twice and I've just gotten abuse and lies.
Consumer complaint received 2023-04-10
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: Experian Information Solutions Inc. (GA)

Experian failed to comply with 15 USC 1681s-2 ( b ). Experian is civilly liable under 15 USC 1681 ( n ) ( i ) On XX/XX/XXXX a dispute letter was sent due to inaccurate information being reported and a reinvestigation of the claimed verified information from the furnisher. 

Experian failed to conduct a reasonable procedure by their own industry standard of XXXX XXXX. XXXX failed the XXXX XXXX standard requirement to report the full XXXX a ECOA requirement code -37 which is a violation of code. ECOA requires the date of first delinquency to report the month/date/year, not just the month and year as being reported. 

Experian failed to report the account type as credit card code XXXX. The account type being reported as charge off/collection which is not an account type. Experian failed to report consecutive 24 months of payment history. Failing to report XX/XX/XXXX presents willful noncompliance. 
In conclusion, Experian has failed to conduct a reasonable investigation as required per 15 USC 1681s-2 ( b ) Due to your inaccurate reporting and failure to comply with 15 USC 1681s-2 ( b ), I received damages and harm due with a recent denial for a home loan. Because I was not able to secure a home loan, my family and I moved to temporary housing until I was able to secure permanent housing. My family and I also suffered a loss of days at work and school, moving expenses and losses of utility transfer fees and deposits. 

Therefore under 15 USC 1681n Experian is liable for actual damages, {$1000.00} violation and punitive damages.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC. (TX)

I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities. 
Account name : MIDLAND CRED Account number : XXXX Account name : MIDLAND CRED Account number : XXXX Account name : MIDLAND CREDIT MANAGEM Account number : XXXX Account name : MIDLAND CREDIT MANAGEM Account number : XXXX Account name : MIDLAND CREDIT MANAGEM Account number : XXXX Account name : MIDLAND CREDIT MANAGEM Account number : XXXX