davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (NC)

On XX/XX/XXXX  I received a series of alerts from my credit card company Barclay 's Arrival Plus XXXX XXXX XXXXXXXX about charges from XXXX. I immediately checked and did not recognize the series of charges. I reached out immediately and my card was shut down and I was told I would be issued a refund in 1-2 billing cycles. I was told I would have to pay the charges until the case was investigated or else I would be billed interest, so I paid my balance in full ( including the disputed charges ). 

Attached is a copy of the credit card statement listing the charges from XXXX which total {$780.00}. 

I do not think I was supposed to have to pay the disputed charges as I was told while the case was being investigated and it is taking longer than I was told to resolve the issue. 

I have still not been issued a refund and after calling today to find out the status of my case, I was placed on a 20+ minute hold that was supposed to be a couple of minutes while they " researched '' my case. Nobody ever came back on the line. 

I need help getting this company to return my funds. I have run into fraudulent charges before with other personal and business credit cards, and I have never had an experience like this. First, I have never been told I needed to pay the disputed charges. They were removed from my balance while being investigated. Second, the investigation never took anywhere near this long to resolve. The charges were always very easily identified as fraud. Since Barclay 's alerted me, I am sure they knew the charges were likely unauthorized and fraudulent.
Consumer complaint received 2024-01-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC (SC)

My Homeowners Insurance lapse in XXXX and I was not aware of this. There were letter sent to an old address of mine and I did not know of this until my mortgage payment changed and I went to the website and saw what was going on. The policy lapsed for about 7 months and I was charged {$4000.00} for that period. I attached the policy that they sent me. My insurance policy that I obtained after the other one lapse was {$2800.00} a year. 

I did not receive a call from Rocket Mortgage to inform me about the lapse of insurance and only letters were sent. I understand that I am responsible for maintaining insurance coverage but I thought I had. I was not properly informed. 

I attached the policy place by Rocket Mortgage and the policy that I paid. I was told that the higher premium is because the force placed policy was not underwritten which makes no sense. The house is a newer home built to hurricane code. I wonder if this is a revenue stream to Rocket Mortgage. 

If you need additional Information please let me know. I attached copy of the policy they sent me. 

XXXX
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Kikoff Inc. (IL)

Upon checking my credit report today XX/XX/XXXX, I noticed the company Kikoff has not reported since XX/XX/XXXX. I pay for premium service. On their website they state they report monthly to all 3 credit bureaus. Reporting does depend on when you start with them but I've been with them well over a year. I'm paying for a premium service each month, they as a company should provide the service I'm paying for. It's a credit building entity. How is this building positive credit building if it's not being reported?
Consumer complaint received 2024-01-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

On XX/XX/XXXX I paid my mortgage of {$1400.00} charged under title of Lakeview Loan Servicing. The payment was processed by my bank on XX/XX/XXXX. On XX/XX/XXXX I woke up and had another {$1400.00} charge on my account from LAKEVIEW XXXX XXXX XXXX XXXX ( a title Ive never seen before on my Lakeview charges ). I called customer service asking whether this charge was on their accounts and they could not find the account and only stated that maybe the payment was my XXXX payment, which makes no sense as it is XX/XX/XXXX. I then suggested maybe my data was stolen in the data breach that just occurred and they transferred me to the data breach help line and they did nothing to help me get my {$1400.00} back even though they confirmed my data was compromised.
Consumer complaint received 2023-12-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (OR)

I regret to notify you that I am unable to accept your decision to reject my identity theft claim on the grounds that it was based on a mistake or a substantial fact misrepresentation. It begs important questions about how and why you have the power to define what is a material actuality. It is important to note that you do not have the authority of a jury or judge, nor do you have any natural right to render such decisions. 

The Federal Trade Commission ( FTC ) has established guidelines that provide that when an FTC identity theft report is sent to a law enforcement agency, which the FTC is, the protocol is to follow the law and conduct an appropriate investigation. 

XXXX XXXX XXXX XXXX XXXX I'm willing to give you one more chance to handle my request regarding identity theft. If I don't, I'll be forced to use the legal system to pursue my legal rights. In such case, you will be responsible for the harm done to my credit and reputation as well as the emotional pain I have had to go through during this whole experience. It's very likely that throughout court processes, what qualifies as a material fact will become readily evident, and you might have to pay me back for your carelessness.
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LEXISNEXIS (FL)

Last year I was hit with a {$300.00} fee from my Homeowners Insurance company, XXXX XXXX XXXX, due to an adverse credit report pulled from LexisNexis risk solutions. I was shocked at the time at the amount of money charged based on my credit score being pretty good, but I did not investigate at that time. I just received my XXXX XXXX XXXX XXXX  renewal for XX/XX/23 and there is a {$500.00} charge for bad credit score based on reporting from LexisNexis. That is now {$800.00} in charges for " bad insurance score '' based on credit report from LexisNexis. By the way, this is happening in addition to other massive increases in Florida homeowner insurance, my rate was just increased XXXX! So this time I investigated what could possibly be hurting my score so bad I'm just charged {$500.00} for being a bad person. 


I requested a report from LexisNexis and received it by mail today or at least it was their system for providing an online secured report. It includes their " National Credit File '' Report and the report is very specific that the information contained within is from XXXX. There are two " bad debt '' accounts listed, one for XXXX  XXXX XXXX and another for XXXX XXXX. Additionally, a XXXX account shows three late payments. However, a report pulled tonight live from XXXX shows no bad debt accounts, no late payments to XXXX. All accounts are on time and no late payments reported on my revolving credit accounts. 


Why a Consumer Financial Protection Bureau report on this? Because this has cost me {$800.00} out-of-pocket so far in adverse reactions to this data. The data is from an old XXXX data pull that contains debts and late payments more than seven-years old. So LexisNexis has created this " National Credit File '' that reports old information from other credit agencies as current. Why is this allowed?! In essence, by pulling data as of a certain date from XXXX and then not updating that information and reporting out on it, LexisNexis has violated my statutes of limitations and FCRA via some " combined report '' that contains data that not even the data source currently contains.
Consumer complaint received 2023-12-08
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. (WI)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Balance : {$15.00} XXXX XXXX XXXXXXXX Balance : {$0.00}.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (NY)

I am submitting a formal complaint against American Express, expressing significant concerns about potential privacy law violations, particularly the insufficient disclosure of opt-out rights. As a responsible credit cardholder, I expect institutions like American Express to uphold transparency, fairness, and compliance with regulations. Recent observations raise serious concerns, warranting a thorough investigation into American Express 's practices.

My primary concern is the apparent lack of disclosure regarding consumers ' right to opt out of information sharing, a crucial aspect of privacy. Section 15 USC 6802 ( b ) ( c ) mandates clear explanations, but American Express may not effectively communicate this information. The absence of opt-out information, a right under 12 CFR 1016.7, is troubling, hindering informed decisions and raising compliance questions. 

Beyond opt-out disclosures, concerns extend to potential Fair Credit Reporting Act ( 15 USC 1681 ) violations. Section 602a emphasizes fairness, impartiality, and respect for consumer privacy, areas where American Express may lack full compliance.

The apparent lack of information on opt-out options may signal broader insufficient privacy disclosures. Section 15 USC 1681C ( a ) ( 5 ) prohibits certain adverse information disclosure without proper authorization, necessitating clear privacy disclosures under The Privacy Act of 1974. 

Notably, under 15 USC 6805, the privacy notice reveals involvement with third-party companies, implying potential Privacy Act and terms and conditions violations. 16 CFR Part 313 and 16 CFR 433.2 outline requirements for privacy practice information.

Emphasizing 5 USC 522a in relation to identity theft, protecting personal information is vital, and any false use of identity, as suspected with American Express, contravenes the law.

Additional concerns involve potential FCRA Sec 603 ( d ) ( 2 ) ( a ) ( I ) violations, as it prohibits having a consumer report containing solely transactional information. Such violations breach consumer trust and ignore fundamental principles of consumer protection. 

Lastly, 15 U.S. Code 1681s2 ( A ) ( 1 ) A underscores the importance of furnishing accurate information to consumer reporting agencies, a responsibility that must be upheld.

In light of these concerns, I urgently request a thorough Consumer Financial Protection Bureau investigation into American Express 's practices. I implore the Bureau to address opt-out and privacy disclosures, considering relevant laws, and ensure compliance with privacy laws and consumer protection statutes.

I appreciate your attention to this matter and trust the Consumer Financial Protection Bureau will take necessary steps to safeguard consumer rights.
Consumer complaint received 2023-12-29
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Incorrect information on your report — Account information incorrect
Company: TMX Finance LLC (SC)

I was denied the loan. Said that I was a covered borrower. I have several in the XXXX XXXX XXXX, from XXXX, to XXXX. I have never seen war time, never XXXX XXXX, or fit any of the descriptions, that would disqualify me for a title loan at TitleMax. I have never had this happened. I am not a covered borrower by any military affiliate, or anything else. Please resolve this issue!
Consumer complaint received 2023-12-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc. (AL)

This account with Credit Corp Solutions is not an accurate account. This account was opened by my older half brother. I have been making payments on an account that I never did opened. I'm not sure why I didn't really notice this before agreeing to make payments. I have already filed a dispute and complaint against XXXX XXXX XXXX XXXX which is what this company represents.
Consumer complaint received 2023-12-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (MI)

Subject : Notice of Default and Opportunity to XXXX XXXX : XXXX Dear Sequium & XXXX XXXX XXXX, I am writing to notify you that your actions in connection with the alleged debt have led to a default on your part. This letter serves as a Notice of Default and provides you with an opportunity to cure the identified breaches in accordance with applicable laws. 


**1. Default in Arbitration Agreement ( Federal Arbitration Act ) : ** - **Remedy : ** Cease all collection efforts immediately and proceed to arbitration. - **Legal Reference : ** Federal Arbitration Act ( 9 U.S.C . 1 et seq. ) **2. Violation of Privacy Laws and Unauthorized Reporting ( 15 USC 6801-6808, 15 USC 6802 ) : ** - **Remedy : ** Cease any unauthorized reporting and rectify the violation of privacy laws. - **Legal Reference : ** 15 USC 6801-6808, 15 USC 6802 **3 . Fair Credit Reporting Act ( FCRA ) Violation ( 15 USC 1681 ) : ** - **Remedy : ** Ensure accurate reporting and validate the debt appropriately. - **Legal Reference : ** 15 USC 1681 **4. Forgery Allegations ( Fair Debt Collections Act - 15 USC 1692e ) : ** - **Remedy : ** Provide the original expressed written consent to be a debtor/consumer or cease collection efforts. - **Legal Reference : ** 15 USC 1692e **5. Responsibilities of Furnishers Violation ( 15 U.S. Code 1681s2 ) : ** - **Remedy : ** Comply with responsibilities as furnishers of information. - **Legal Reference : ** 15 U.S. Code 1681s2 Failure to cure these defaults 21 days from the date of this letter will leave me with no option but to pursue legal action to enforce my rights and seek remedies under the applicable laws. I will seek damages, injunctive relief, and any other remedies available under federal law.
Consumer complaint received 2018-11-16
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. (MO)

XXXX credit card, auto payments stopped around XX/XX/XXXX, was not aware due to I was in the middle of a Military move and preparing for a deployment. 

Was notified by XXXX that they had taken over my XXXX  card account, so worked with them to address the issue rather than run from the problem. 

Due to deployment I was not monitoring as I should have been. ( Now I check weekly and I am fixing my creidt ) Paid to debt collector : XXXX XXXX, ( have letter of statement saying account paid in full from XXXX. 

Payments in 3 deposits from XX/XX/XXXX to XX/XX/XXXX ( every 15 days ) totaling in {$1900.00}.

Tried to dispute with all 3 Agencies, no help. Just adjusted verbiage on report.
Consumer complaint received 2023-12-29
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: Bread Financial Holdings, Inc. (TX)

In my XXXX report, it shows Hard Inquires that are not mine and I do not know the companies that issued it : XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX COMENITYCAPITALXXXX XXXXXX/XX/XXXX
Consumer complaint received 2018-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (MI)

Dear sir or madam, I opened citibank account package and deposited {$15000.00} on XX/XX/XXXX. 

Account Package during the offer period of XX/XX/XXXX to XX/XX/XXXX ( account opening date XX/XX/XXXX ) 2. ) Within 30 days of opening the new eligible checking account make a deposit of {$15000.00} or more ( in one, or more than one, deposit ) in New-to-Citibank funds into 1 ) the new Eligible Checking Account and/or 2 ) the new Eligible Savings Account. ( deposited of {$15000.00} completed on XX/XX/XXXX ) 3. ) Maintain a minimum balance of {$15000.00} for sixty ( 60 ) consecutive calendar days following the date when you made the {$15000.00} deposit ( Please maintain the {$15000.00} until XX/XX/XXXX ) 4. ) If you fulfill the required activities for this offer and meet all other conditions then the cash bonus will be credited to your new checking account within 90 calendar days from the date you complete all required activities. ( 90 days from XX/XX/XXXX, so it will be on or before XX/XX/XXXX that {$400.00} will be credited ). 

I kept {$15000.00} in Citibank account package until XX/XX/XXXX, and then {$10000.00} until XX/XX/XXXX. 

I am supposed to received {$400.00} bonus on XX/XX/XXXX. I called Citi bank customer service and was told that I met all bonus conditions, but she don't know why I did not receive bonus. She helped me to file a ticket on XX/XX/XXXX Reference:XXXX Dear XXXX XXXX , Thank you for your recent inquiry, case # XXXX has been opened. 

Sincerely, Citibank Customer Service I was told that problem will be solved in two days, after two days, I still didn't receive bonus. I called it again and spoke to a supervisor. She also said that I met all conditions, but Citi bank back office was reviewing why I didn't receive the bonus, It would take 10 business days. I will receive bonus on XX/XX/XXXX. She also sent an email to their back office to escalate the case. 

On XX/XX/XXXX. I still don't receive the {$400.00} bonus. 

Please help me to solve this issue. 

Thanks XXXX XXXX.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (PA)

HOME DEPOT/CBNA, is in violation of multiple laws set forth by Congress in regards to the following account # 's ending in XXXX and XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( HOME DEPOT/CBNA. ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( HOME DEPOT/CBNA. ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX XXXX, XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. HOME DEPOT/CBNA., can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from HOME DEPOT/CBNA. for the cancelled debt 's of { { {$820.00} & XXXX } } in order to file as ordinary income. Where is my 1099-C? HOME DEPOT/CBNA. is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { { {$600.00} } }. This is unsatisfactory! HOME DEPOT/CBNA. has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In HOME DEPOT/ CBNA. terms and conditions they agreed not to share my information with non affiliates. XXXX, XXXX XXXX AND XXXX are not affiliates of HOME DEPOT/CBNA. nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. 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, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2023-12-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC. (FL)

I purchase a car from a dealership and was taken advantage of by an act of predatory lending. When i spoke with the finance Department I was told it was a simple interest loan and there are no early payment penalties. I spoke with them and told them the rate is above the State of Florida maximum auto rate and was told that is not correct spoke with the bank and they told me they could not adjust the rate to the legal rate. Chrysler Capital is a part of Santander Consumer which was sued for {$550.00} million for the same thing In Florida, the maximum permissible interest rate is 18 % per annum. If a lender charges interest at a higher rate than 18 % computed on an annual basis, the lender is subject to civil penalties that include forfeiture of the interest, both already paid and remaining to be paid. 

What are the usury laws in Florida for car loans? 
What rate can be charged? The maximum permissible interest rates in Florida are 18 % per annum simple interest for loans up to {$500000.00}, and 25 % per annum simple interest for loans of {$500000.00} or more. Note that those figures represent simple interest per