davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (GA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Furnisher of information to credit agencies, the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Furnisher of information to credit agencies whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Furnisher of information to credit agencies Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time At this time i would like to continue to
Consumer complaint received 2024-05-09
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: ENOVA INTERNATIONAL, INC. (OH)

On XX/XX/XXXX I initiated a payment from my bank account in the amount of {$1500.00} to repay the balance of a Loan I took out. It took them a week to post to my account that i had pain in full. On XX/XX/XXXX I request a receipt of payment, I was told they would send me an email within XXXX hours. I received an email stating my account was closed per my request, but it did not include why it was closed or if the balance had been paid. I Paid my credit balance off in full and requested a receipt of payment, account summary, account statement or something showing that I repaid my debt. I have reached out several time to customer service by phone, email and the account portal and have not had luck with them.
Consumer complaint received 2024-04-17
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. (IL)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: HireRight Solutions, Inc. (VA)

I recently was offered employment with XXXX on XXXX  XX/XX/XXXX my background check was done and everything came back correct except for my education information. I attended XXXX XXXX XXXX in the years XXXX I have been having an issue getting my exact completion with the school for years due to this issue when applying for a job it state I have not completed XXXX XXXX  but in XXXX of XXXX I attended XXXX XXXX and was told that I had enough credits and completed my XXXX grade year. Due to this issue I also completed a XXXX  program in XXXX of XXXX for XXXX XXXX I am currently trying to get my information as XX/XX/XXXX from a now closed online XXXX  program ( I can not remember the exact name at this time ) to provide to hire right to fix this ongoing issue about my XXXX. I have requested my transcript and I am currently waiting its arrival.
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
Account XXXX : XXXX XXXX XXXX XXXX : {$2000.00} has violated my rights. 
15 U.S.C 1681 Section 602 A States : I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section States : No consumer reporting agency may make any consumer report containing any of the fallowing items of information. Any other adverse item of information other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 : ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information to be inaccurate.
Consumer complaint received 2024-01-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

This is a follow-up to Complaint Number XXXX, which I submitted on XX/XX/XXXX with XXXX XXXX as the company against which I was filing a complaint. 

I am submitted a new complaint today because it has become evident that Bank of America is the institution at fault. 

On XX/XX/XXXX I initiated an international wire transfer to a friend in the amount of {$5000.00} through my bank, XXXX. XXXX did not send the money to the recipient directly, but instead sent it to Bank of America as an intermediary. One month after the initiated transfer, on XX/XX/XXXX, the recipient still had not received the money. Apparently Bank of America was waiting on XXXX to provide additional information, which XXXX had not provided. Due to the extensive delay, I instructed XXXX to recall the transfer ( on XX/XX/XXXX ) so that I may have the money returned to my account and figure out another way to send it to my friend that did not involve an intermediary. 

The recall was sent 44 days ago, but I still have not received the money back in my account. As of XX/XX/XXXX, my client relations manager at XXXX XXXX ( XXXX XXXX ) reports that XXXX has attempted to reach Bank of America 3 times. The latest attempt to reach Bank of America was on XX/XX/XXXX, to which they still have not responded. 

Interestingly, my contact at Bank of America claims that Bank of America reached out to XXXX on XX/XX/XXXX and has not yet received a response. In summary, both banks report that they are reaching out to the other and have not heard from the other. XXXX has made 3 attempts, and Bank of America has made 1 attempt. 

It is unacceptable that Bank of America has been holding onto my {$5000.00} for over two months. A recall should not take this long and I have reason to believe they are not prioritizing this case to the extent that they should, given the magnitude of the transfer amount and the delay. 

I am requesting that CFPB intervene and urge Bank of America to respond to XXXX 's requests to communicate, so that they can finally return the money to my account.
Consumer complaint received 2024-01-11
Product: Credit card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc. (FL)

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit card plan as late for any purpose
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

DOE  XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$34000.00} DOE  XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$5500.00} DOE  XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$1000.00}. 
XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$1300.00}. 
DOE  XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$6100.00}. 
DOE  XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$41000.00}. 
XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$14000.00}. 
DOE XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$6400.00}. 
XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$210.00}. 
DOE XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$41000.00}. 
DOE XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$5100.00}. 
DOE XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$25000.00}. 
DOE XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$38000.00}. 
XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
Collection account from XXXX XXXX  XXXX with account # XXXX and a balance of {$27.00}. The original creditor is XXXX XXXX. 
XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

I couldn't apply for any loans because of these negative items on my report which shouldn't be there. And some of them are reporting inaccurately and are fraudulent account.
Consumer complaint received 2023-07-03
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: EQUIFAX, INC. (MD)

This is my Third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXX XXXX Balance : {$9300.00}.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX has violated XXXX XXXX XXXX XXXX In accordance my rights. 
15 U S C 1681 section 602 A. States I have the right to privacy 15 U S C 1681 Section 602 A Section 2. It also states a consumer report agency can not furnish a account without my written instructions
Consumer complaint received 2024-01-11
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (FL)

On XX/XX/XXXX, I was in the XXXX XXXX, and the American Express ( Amex ) representative offered me an Amex card. If I accepted the card by paying US {$250.00}, I would receive XXXX Delta Airlines miles as long as I spent US {$3000.00} in less than XXXX months. I told the representative I had an Amex card until XX/XX/XXXX. He told me I would be OK because it had been over XXXX years since I had the old card. I went with the promotion and was given the Amex card number XXXX, valid until XX/XX/XXXX. I spent US {$6100.00} until XXXX and paid the annual fee in my first payment. When I contacted the representative today, XX/XX/XXXX, in the call center, she told me Amex would not give the miles and would refund my annual fee because I had a card before. The attendant provided me with the ticket number of my call as XXXX. Unfortunately, it seems the representative lied in the airport, or Amex needs to act more honestly. I decided to sign the Amex card again because of the offer, and they are not honoring their terms. I would appreciate your help as Amex can solve this matter they created. Thank you, XXXX
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Debt Recovery Solutions, LLC (CA)

Per the FCRA, As a federally protected consumer I am now opting out of any and all authorization. I the consumer may have given you written, unwritten, verbal, and nonverbal Per 15 USC 6802. 

Debt Recovery Solutions opened an account fraudulently, XXXX investigated my dispute and deleted the item from my report. I now have proof of claim and I am entitled to compensation. I am ordering that {$1000.00} must be paid to the account information provided below. 

Account number:XXXX Routing number : XXXX
Consumer complaint received 2024-01-11
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC (AL)

I am a victim of identity theft and a fraudulent account was opened under my name with XXXX XXXX in XX/XX/2023. I submitted the appropriate police report and proof of identity theft and this account was verified by XXXX XXXX to be fraudulent as a result of identity theft in XX/XX/2023. I was told by XXXX XXXX at that time 6 months ago that this would resolve the issue ; however, XXXX XXXX still incorrectly instructed the debt collection company they use ( Waypoint Resource Group ) to collect the fraudulent charges from me. I have tried to reach out to Waypoint ( the debt collection company ) 10 times by phone, 3 times by email, and 4 times on their online portal and have gotten absolutely no response. I have never been connected to speak with a live person over the phone and as soon as the recording tells you that " You are about to be connected to a live representative over the phone '' the call beeps and gets dropped. I have reached out to XXXX XXXX multiple times ( who I have read is responsible for taking care of these communicates between their debt collector ) ; however, all 6 different representatives that I have spoken with over the phone with XXXX XXXX have told me that I have to speak to the debt collection company myself. As a result of this inability to get any response from the debt collector, and these continuing outstanding fraudulent charges under my name, my credit score has dropped XXXX points in the past 4 months from XXXX to XXXX. My husband and I are trying to buy a house because XXXX XXXX XXXX ; however, the mortgage loan companies have told me that we need to get this issue with my credit score ( caused by these fraudulent charges ) resolved before we can make an offer on the home we would like to purchase. I appreciate your help very much. Thank you for helping me with this issue.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

The account in question is listed as a charge-off. Charge-offs are considered Certificates of Indebtedness pursuant to IRS Publication 4681 ( 1. ) Canceled Debts, which means it is income and must be removed as income can not be reported in a consumer report, especially when the income reported does not belong to me as the consumer. Pursuant to the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non-verbal pursuant to 15 U.S. Code 6801 6805 concerning this account specifically, effective immediately and indefinitely. In addition to said legal authority, this entity has failed to comply with 16 CFR 313.4 313.9 and is currently in violation of said legal authority. Ive attached a copy of the Privacy Act of 1974 to clarify any confusion as to my rights as a federally protected consumer concerning this matter. I am also prepared in addition to enforcement warranted by the CFPB, to file suit in the proper jurisdiction to enforce my rights where this complaint will serve as evidentiary documentation.
Consumer complaint received 2024-01-11
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Lewis, McDonnell & Associates (NC)

My family as well as myself is being harassed by a company claiming to be a debt collector. They are claiming to be at my house with lawsuit papers. Claiming to have sent several items to me and havent received anything. They are telling my family all of this as well. The company is XXXX XXXX XXXX XXXX. They are claiming I owe an astronomical amount of money for a bill I did not pay. I called and requested documentation on the money they claim I owe and havent received anything. Very aggressive on the phone. Telling me they are suing me one minute and going to help me the next. All while I am repeatedly asking for proof of this debt I do not know about.
Consumer complaint received 2023-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Chime Financial Inc (FL)

On XX/XX/2022 Chime bank which held my money in a account that was designated as a Credit Builder Account closed the account because they falsely stated that I was using the account illegally. This was not the case, the account was closed with more than {$900.00} in the account. I have been going back and forth with Chime and XXXX  XXXX  for over seven months now and I am just gettin ran in circles. I am trying to get my closure check and a deposit that was made by my insurance company. Chime and XXXX  have reqeusted that I give them an updated address which I have and I have provided the requested documentation. I see on the news they are doing this to many people. 
I filed a compliant back in XXXX and on XX/XX/XXXX Chime said they would return my money and I still have not gotten it. THey lied to me and to the CFPB.
Consumer complaint received 2024-01-11
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (NY)

I paid {$200.00} less on XX/XX/2022 statement. I was charged interest of {$58.00} due to this underpayment. I object and dispute this finance charge. I also understand that this unreasonable interest charge calculation method may have been on the terms in small prints when we signed the credit card agreement. I spoke with XXXX  ID # XXXX. She made me understand that this charge will not be waived and will continue to accrue finance charges until my account is paid in full. This is not right, and I need to know how they arrived at this amount. Interest can be calculated only on the amount owed.
Consumer complaint received 2024-05-09
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: GREENSKY OPERATIONS, LLC (CA)

Greensky Loan Company discontinued its " Medical Loan '' division. In thus doing so, all customers/clients who had a medical loan through Greensky had their online portals shut down. With no access to see monthly statements, I have been making payments to Greensky through XXXX XXXX XXXX just assuming they were getting applied to my account. For the last year, a " late fee '' has been applied to my " monthly minimum '' amount due and not the total balance. I called Greensky the first time I got a " late fee notice '' sent to email, and the customer service rep said, " Oh yeah, we have it- it just hasn't been applied to your account yet. You can just ignore that email ; you're all set. '' Every month, I would receive this email, but I was told to ignore it ; even when I would call, no one could access my account anyway. 

Low and behold, the automatic payments I had set through my own bank ( because Greensky 's banking system would not accept my bank account information like the routing and account number ) did not match the minimum monthly amount I had agreed upon ( because these late fees were being added to my " minimum balance '' and not my " total balance '' ) which means my minimum balance was increased every month without my knowledge and would incur more late fees every month after. 

After calling multiple times every month for 3 months, I was finally able to speak to someone who could access my account. I was told the late fees would be removed but that I would not be able to access my online portal... ever. Instead, I had to sign up for paper statements, update my mailing address, receive my monthly statements in the mail, and then call every month to confirm the correct balance and schedule a payment over the phone. 

After making a payment to Greensky for the month of XXXX, I was told because I didn't meet the " minimum balance '' of {$700.00} ( when it used to only be {$160.00} ), I was marked as " late again '', thus incurring a late fee. However, this time by checking my credit score, Greensky has marked me as a " failed to make payment '' for the last XXXX months, which has dropped my credit score from a XXXX to a XXXX. 

Every single time I call, no one can access my account ; I ask to speak to a manager, and the customer service reps just tell me to " call back next week '' or " someone will call you back, '' and they never do. After two weeks of escalating this serious issue to managers, I have been promised and told that this will be fixed but I still have no results or confirmation of anything. No email, no statements, no written documentation because they will not provide me any documentation or access to my account.