davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-15
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: GreenSky, LLC (TX)

We have sent two separate letters by Certified Mail asking GreenSky requesting to Cease Further Communication. The first letter was sent XX/XX/20 and the second was sent XX/XX/20. They call my husband every single day. They call myself, they call my daughter 's boyfriend, they call my brother in law. It's gotten ridiculous.
Consumer complaint received 2024-01-31
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (TX)

I have been trying to have Chase Bank to honor my SCRA entitlements for over three years without success. I have provided all the documents in a timely manner reflecting all my periods of XXXX XXXX and the breaks in service from those orders. The last piece of information I submitted it was a certification from the XXXX XXXX XXXX XXXX ( XXXX ) certifying my entry on XXXX XXXX on XX/XX/2018, this date is after I opened my credit cards with Chase. They denied this request stating I have provided others XXXX  documents reflecting different start dates which is true because I have been in numerous deployments and were reflected in the XXXX database. 
Its unfortunate that Chase is the only financial institution denying my entitlements as a service member and keeps violating the law ( SCRA ) making it difficult to service members and veterans to take advantage of our protections.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I ordered my XXXX XXXX XXXX report and my entire banking transaction 's are listed in that report. According to XXXX XXXX XXXX the financial institutions I have banked with over the course of my entire banking history, my bank has provided them access which was in direct violation of my privacy. These individual banks are in clear violation of the terms and conditions the provided me, ensuring that they would not provide my banking information to non-affiliates. XXXX, XXXX, XXXX, XXXX and XXXX XXXX XXXX are non-affiliates and have been given my personal banking information. I have not received even one opportunity to opt out of said reporting, which my personal information never should have made its way to these third-party companies. These companies are in clear violation of 12 CFR 1016.7 Form of opt out notice to consumers ; opt out methods. 

( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 1016.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right.

( 2 ) Examples ( i ) Adequate opt out notice. You provide adequate notice that the consumer can opt out of the disclosure of nonpublic personal information to a nonaffiliated third party if you : ( A ) Identify all of the categories of nonpublic personal information that you disclose or reserve the right to disclose, and all of the categories of nonaffiliated third parties to which you disclose the information, as described in 1016.6 ( a ) ( 2 ) and ( 3 ) of this part, and state that the consumer can opt out of the disclosure of that information; and ( B ) Identify the financial products or services that the consumer obtains from you, either singly or jointly, to which the opt out direction would apply.
Consumer complaint received 2024-01-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: The CBE Group, Inc. (PA)

This account is well over XXXX XXXX XXXX and his been written off by the original creditor XXXX XXXX XXXX. Therefore it was reported as income to the IRS. It should no longer be reported as a debt on my credit report. According to Federal Laws there should be no income reported on my credit bureau report. 

Also this credit bureau report is indicating that this opened on XX/XX/23. That is inaccurate also. 

The lack of accuracy on my report is adversely affecting me
Consumer complaint received 2024-05-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (IL)

XXXX XXXX Bank was the original company that issued me 2 credit cards. Due to unemployment, I was unable to pay them off before they turned the account over to a third-party collections agency, LVNV Funding LLC XXXX 

After diligently making payments to LVNV, I finally reached an agreement for a settlement payoff in early XXXX. However, the actual payoff document, which was crucial for future reference, ended up being inadvertently left inside an envelope. This oversight, compounded by the fact that I relocated from XXXX, CA, to XXXX, IL, in XX/XX/year>, and was unable to transport all of my household belongings with me, has caused significant inconvenience. My belongings, including the document, were left behind in a public storage unit. A XXXX XXXX XXXX XXXX XXXX is located in XXXX XXXX, CA. 

After settling in a new home in XXXX, IL, I discovered that LVNV sold the account to another collections agency. After calling to register a complaint, I spoke to a contact person named XXXX ; at that point, I made it clear the debt had been settled and that I was doing my best to clean up my profile ; she proceeded to tell me that their company also helped consumers to do that so I ended up paying the same company to work on my credit report, I trusted them because I had settled through their company. Only to find out they were operating as a fraudulent operation. After paying {$99.00} to her to start the cleanup process, she dropped off the map ; I never heard from her again. See the attached document.
Consumer complaint received 2024-05-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: AXOS FINANCIAL, INC. (CA)

I had a checking account with Axos Bank that was still new or before the 30 day period. My cousin deposited {$1000.00} straight from his XXXX XXXX XXXXXXXX debit card into my account. For the first week or two after the money cleared everything was fine. I moved {$200.00} to my XXXX stocks account and spent another {$50.00} or {$60.00} on various other investment accounts I have. Shortly after this bank closes my account so I can't log in, with out any notice what so ever. Their reason for doing this is because there was a fraudulent deposit made to my account. They gave me no options and I wasn't able to Show them otherwise. They closed my account with {$740.00} still in the account and I have never seen a XXXX of that money. I have called and called. No one can ever give me a straight answer. Some of the representatives I talked with say they sent me a check and others tell me it went to the state of California. I feel this bank robbed me of my money and I want it back.
Consumer complaint received 2024-05-21
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Capital One closed my account on XX/XX/2024 and sent me the first notification regarding the closure on XX/XX/2024, after they had already closed the account. There was no notification in advance. With the closure, I lost all of my reward points. Because Capital One did not provide advance notice before they closed my credit card and no option to reopen or receive credit for the lost points since they closed my account. Attached is the statements and documents from the XXXXXXXX XXXX app showing no communication about closing the account prior to XX/XX/2024 and a screenshot of the letter they sent from the web app dated XX/XX/2024. Capital One informed me that they closed my account on XX/XX/2024 due to inactivity, which is before any notification was provided to me.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Reliant Capital Solutions, LLC (GA)

I AM NOT RESPONSIBLE FOR THE DEBT ASSOCIATED WITH THE ORIGINAL CREDITOR XXXX XXXX XXXX. I DO NOT HAVE A CONTRACT WITH RELIANT CAPITAL SOLUTIONS LLC, AND WHEN I REQUESTED THE ORIGINAL CONTRACT, THEY FAILED TO PROVIDE IT.
Consumer complaint received 2024-05-21
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC. (WA)

I reached out to the company as I the bi-weekly payment is astronomical. I pay more than {$600.00} a mo. on a {$3000.00} loan. 

In my contract, I saw there was no interest rate. That makes it more like a payday loan. They charge a fee plus fee. I pay more to them than my XXXX dollar car. 

I asked if they had a conversion option. Something that would roll it into a interest loan so I could start paying it down. 

They said no and if I didn't make my payment, they would garnish my wages. End of story. 

Sadly, my financial situation changed. I am now sole supporter for my household and can not afford this. I fear default is my only option. They won't work with me.
Consumer complaint received 2023-04-28
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2024-05-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (WA)

Approx. a year ago I received a call from Resurgent Capital Services concerning a credit card debt. that I had reported as fraud XXXX years earlier. I explained to resurgent that this debt was not mine. Several accounts had been opened under my name and I contacted the cred it card company and they closed those accounts and I never heard from them again. 

In XXXX of XXXX I was checking my credit report and saw that Resurgent Capital Services has added that debt to my credit report. I filed a dispute with the credit reporting agency that the debt was not mine. On XX/XX/XXXX I received a letter from Resurgent wanting me to file out a theft report and attach a police report concerning the credit card fraud from XXXX. I researched my options and wrote Resurgent a letter requiring them to follow the FDCPA, XXXX XXXX XXXX XXXX XXXX XXXX ), and the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX laws and to send me the proof the debt is mine. Including proof of the original contract with my signature, account numbers, and an itemized list of the debt. As by law, I gave them XXXX  days to do this and if they could not, they were to remove this debt from my credit report and not contact me again. ( I have attached the letter I sent with a copy of the certified letter receipt ) On XX/XX/XXXX I received a letter from Resurgent Capital Services in response to my letter with another theft form to fill out and a copy of the credit card debt cover letter. No information other then that. No signed contract, no itemization of the debt. ( I have attached that copy ) On XX/XX/XXXX I received another letter from Resurgent with the same information. Still nothing I requested and what is required by XXXX and XXXX XXXX XXXX. ( I've attached that as well ) On XX/XX/XXXX, Resurgent 's XXXX  days were up to provide me with the required by law information I requested. I checked my credit report and Resurgent Capital Services is still on all XXXX of my credit reporting agencies. XXXX, XXXX, and XXXX. I also received a email today from a new collection agency, XXXX XXXX XXXX, trying to collect the debt for XXXX! ( That email is attached ) Resurgent Capital Services is a collection company that buy 's debt from other companies, then tries to come after people for that debt and they do not investigate if that is truly the person debt or not. I have tried the legal way and they continue to try collecting this debt and are affecting my credit in the process.
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: TRUIST FINANCIAL CORPORATION (FL)

To XXXX XXXX XXXX. 
On XX/XX/XXXX my husband purchased a Japanese sword on XXXX for {$560.00}. On XX/XX/XXXX he went back into e-bay to check if sword was mailed and get a tracking number. Nothing was done. He called sender who provided her cell number multiple times and was paid which she shouldn't have, She said she was mailing out package each time he spoke to her. Contacted Truist to get money back.There was no tracking number because she never mailed the item.XXXX was contacted also.Her name is XXXX XXXX XXXX XXXX. Item # and Order number will be provided to XXXX XX/XX/XXXX Truist was contacted regarding return of money because item was never XXXX spoke to XXXX case number XXXX. XXXX. There is also a charge for {$1.00} and {$55.00}. XXXX makes you pay a {$1.00} and will get back and then they charged us {$55.00} to speak to XXXX of their agents.who could not help us with fraud. They just hung up. We were not aware of the charge till the bill came. We are not paying either of those also. A few days later we spoke to XXXX at Truist XXXX case number. We were told that they are working on it. On XX/XX/XXXX we get a letter from Truist that the charge is valid. We called several times and said they are still working on it.They lied to us. We went to bank and that's how we found out it was closed out. Sent info to XXXX FTC and you.We are not paying these charges. We notified them in plenty of time Truist and e-bay. Truist states that if there is a fraud or scam charge on your card it will refund your card within XXXX business days per an oral conversation with Truist Bank.We have done that. We also notified the sheriff dept.
Consumer complaint received 2024-05-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I made a deposit of {$XXXX} which was a United States Treasury check on XX/XX/2024. Bank of America put a hold onto funds until XX/XX/2024 and made it not available stating that the have placed a hold on your deposit because they have information indicating the check ( s ) may be returned. They state that United States Check might not have available funds to cover this check. 
I request funds to be available immediately.
Consumer complaint received 2024-05-20
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: OPORTUN FINANCIAL CORPORATION (FL)

On XX/XX/year> I got a letter from XXXX XXXX XXXX Court that I was being sued by a company called XXXX XXXX XXXX, collection company. They just sued me without even notifying about getting into an arrangement, nothing. That was crazy, they couldn't do that. I had to hire a lawyer and spend thousands to get this fix and Im still working on it. They dont give me options, I have rights, but they are not considering that. Many people have complaints against that company for the same thing.
Consumer complaint received 2024-05-20
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SANTANDER HOLDINGS USA, INC. (TN)

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Tennessee XXXX XXXX XX/XX/year> Santander Consumer USA XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear to whom it may concern, Re : Settlement Offer for Account Number XXXX I am writing to propose a settlement offer for the above-mentioned debt. As you are aware, I have been experiencing financial difficulties and have fallen behind on my payments. After careful consideration, I am offering to pay 25 % of the outstanding balance in a lump sum payment. 

This offer is a one-time settlement proposal, and I believe it is a reasonable and fair compromise considering my current financial situation. I am willing to work with you to find a mutually acceptable solution and avoid further collection activity. 

If this offer is acceptable, I request that we enter into a written settlement agreement that includes the following terms : The creditor agrees to delete the account from my credit file upon signing the agreement. 
The creditor reports the account as " paid '' or " settled '' to the credit bureaus, once settlement is paid. 
The creditor waives any remaining balance and agrees not to pursue further collection activity or legal action. 
If I fail to make the agreed-upon payment, this settlement agreement shall be deemed void, and the creditor may : - Put the account back on my credit file - Pursue collection activity or legal action to recover the full amount of the debt Upon completion of the settlement payment, I will be eligible to apply for credit and conduct business with the creditor in the future, subject to the creditor 's standard credit approval processes and terms.

Please let me know if this offer is acceptable, and we can discuss the details of the settlement agreement. If not, I would appreciate any alternative proposals you may have. 

Thank you for considering my offer. I look forward to your response. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-05-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (PA)

I lived at the XXXX XXXX XXXX for XXXX years. When I moved out, I got notice that they wanted to charge me over {$5000.00}. They never gave any explanation of what they were charging me for- they stated repairs, painting and cleaning ; however, I never received pictures of damage they claim I did, receipts of replacement, painting is routine after any move out so how they can charge me for that is beyond me. I have tried working this out with the XXXX XXXX XXXX  directly and they will not do anything about it nor provide me with anything more than an invoice with absolutely nothing attached. What they have done is not even legal in my opinion as a landlord. I was a good tenant who paid my rent on time and left that property clean and empty. To try to charge me over {$5000.00} and now it is on my credit report is ridiculous. I do not want to get an attorney involved or file charges but I will if that is my only option. This bogus charge has dragged my credit down for XXXX years now - how can they charge me over {$5000.00} with absolutely no proof of anything, simply an invoice? This company is outrageous and they charge everyone outrageous amounts once they move out!
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: SANTANDER HOLDINGS USA, INC. (TX)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

Hi there! 

Hope you're doing well! I was looking into some legal stuff and noticed a few things regarding my credit information that I'd like to discuss. According to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 section 602 ( a ), it emphasizes the need to ensure that consumer reporting agencies handle their responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. 

XXXX and XXXX, being consumer reporting agencies, handle my credit info, and as the consumer, I have the right to ensure my private information isn't shared. This right is backed by 15 USC 6801, which states that financial institutions, including furnishers of information to credit agencies, have an obligation to respect customer privacy and protect the security and confidentiality of nonpublic personal information. 

Now, here 's the deal : 15 USC 1681 section 604 ( a ) ( 2 ) states that a consumer reporting agency can only furnish a consumer report with the written instructions of the consumer to whom it relates. The furnishers of information to credit agencies ( like financial institutions ) need my consent for this, and they surely don't have my written consent. I'm revoking any and all consent, be it verbal, non-verbal, written, implied, or otherwise. 

Moreover, 15 USC 6802 ( b ) ( c ) states that a financial institution can't disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how they can exercise their nondisclosure option. However, the furnisher of information to credit agencies never informed me of this right. 

I also noticed that 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including certain adverse items of information without permission. This account they're reporting seems to be an adverse item they're sharing without my permission, which goes against the law. 

Furthermore, 15 U.S. Code 1681s2 ( A ) ( 1 ) says that a person shouldn't furnish any information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. XXXX and XXXX, it seems, might be falling short on maintaining reasonable procedures to avoid violations. 

To add to that, 15 U.S. Code 1681e states that every consumer reporting agency should maintain reasonable procedures to avoid violations of section 1681c and limit the furnishing of consumer reports to specific purposes. It seems like XXXX and XXXX might not be maintaining these reasonable procedures. 

Last but not least, 12 CFR 1016.7 states that a consumer can exercise the right to opt out at any time. So, just to make it crystaXXXX clear, I'm opting out of your reporting services. 

I appreciate your understanding in sorting this out!