davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (TX)

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. 

Account name : # 1234, Account name : # 1234, Account name : # 1234, Account name : # 1234, 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 a 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 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.

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 the information is inaccurate.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (TX)

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, 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 a 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 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.

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 the information is inaccurate.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-12-26
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Avant Holding Company, Inc. (FL)

On XX/XX/2023, I obtained a personal loan from Avant in the amount of {$14000.00}. I agreed to make 35 monthly payments of {$560.00}, with the first payment due on XXXX, XX/XX/2023, and each subsequent payment due on the same day of each month thereafter, and a final payment of {$560.00} plus any unpaid fees, charges, and interest due on XXXX, XX/XX/XXXX, XXXX finance charge would be {$6000.00} if the loan was paid on that schedule. After making on-time payments from XXXX - XX/XX/2023, I called on XX/XX/XXXX to apply an additional {$5000.00} payment to the principal amount. Their customer service representative informed me that I could not make a payment toward the principal amount owed, I could only pre-pay for {$5000.00} worth of monthly payments ( which are currently about XXXX XXXX interest and XXXX XXXX principal ). When I explained that I wanted to maintain my monthly payments ( which have always been on time ) while simply applying an additional {$5000.00} toward the principal amount, the person explained again that no payments are allowed to be made without including their corresponding interest. I protested, explaining the terms of the loan agreement I had virtually signed. I have a copy of the agreement and repeated the language to them from the agreement that allows partial or full loan payoff at any time without prepayment penalty. They still said I could not make a {$5000.00} payment toward the principal amount. I called back later spoke to a supervisor, who also said they could not accept an additional payment from me this month unless it was a pre-payment toward future monthly payments, which include interest. This practice seemed illegal and a clear violation of the agreement I signed, so I got a full loan pay-off quote and scheduled a payoff of the total amount still owed, {$13000.00}. I would rather just pay off the whole thing than deal with their sketchy lending practices.
Consumer complaint received 2023-12-26
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NC)

AMEX XXXX XXXX fails to purchase anything regardless of merchant : Total Balance on card exceeds order/purchase total ( including tax and fees ), AMEX XXXX XXXX XXXX XXXX XXXX CARD ACTIVE '', AMEX XXXX fails to add into any digital wallet with error " Please Contact Issuing bank '', AMEX XXXX will accept any hold amount, but will again fail to complete a purchase, XX/XX/XXXX  ( XX/XX/ ) - The number on the back of the card was contacted twice, once the phone didnt pick up and second the " agent '' offered no assistance to my problem and told me " Get a new one ''
Consumer complaint received 2019-11-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (GA)

Credit Bureau made aware I was a victim of identity theft of which the listed items reported may be a result. I have no knowledge of these accounts as they are listed with account numbers and I have never done business with XXXX XXXX XXXX Desired resolution : Delete & Block item/items immediately pursuant to Section FCRA law section 609
Consumer complaint received 2023-12-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (FL)

On XX/XX/2023, I went into TD bank and printed out a new debit card, while I was there I asked the women who printed my card if I would be able to open a savings account. She said yes, and opened my savings account. She advised me that I would have to have over {$300.00} in the account so that I wouldnt be billed. I told her OK, and that I would put the money into The ATM once I had a chance. Later that same night around around XXXX XXXX I arrived at TD Bank with {$550.00} cash and put it into my savings account using my debit card. The lady who opened my savings account never told me that my debit card was not linked to my savings account. With me, not knowing that my debit card was not linked to my savings account. When the ATM asked me did I want to deposit my money into my savings account or my checking account I clicked savings account thinking my debit card was linked and knowing I had to have at least {$300.00} in the savings account. Thinking my money would be secured because I deposited the money into a TD Bank atm I waited to see the funds in my account, I gave it 24hrs and I still did not see the funds in my account, I called the customer service line and they did virtually nothing for me except accuse me of lying. I made time to go to the branch where I originally deposited the money and they filed a dispute. They advised me to wait 3~7 days for a provisional credit, I called multiple branches and the customer service line multiple times just for them to dismiss my concerns and accuse me of never putting this money into THEIR ATM.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Please thoroughly validate all the information provided. This entails ensuring that each detail presented is accurate, complete, and in compliance with relevant laws and regulations. Validation encompasses verifying the authenticity of documents, confirming the accuracy of data entries, and ensuring that all information aligns with established standards and requirements.
Consumer complaint received 2023-11-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (IL)

ON XX/XX/XXXX PNC BANK DECIDED TO PUT A HOLD ON MY BANK ACCOUNT NO REASON GIVEN, they have no proof of letters sent to my home address explaining the reason why the hold There are over {$44000.00} USD DOLLARS they have had my money for well over 2 years THEY ASKED ME TO STEP IN THE BRANCH WITH MY BROTHER WITH OUR IDs WE MET WITH XXXX XXXX AT THE PNC BRANCH LOCATED ON XXXX XXXX XXXX XXXX XXXX ILLINOIS XXXX WE GAVE HIM OUR IDS AND HE SAID THIS IS ALL WE NEED, THE HOLD SHOULD BE REMOVED WITHIN 48 HOURS WE MET XXXX XXXX XXXX AND IT IS ALMOST XXXX I JUST WANT PNC TO EXPLAIN WHY ARE THEY STILL HOLDING MY MONEY??? 

THEY ASKED ME TO STEP IN WITH MY BROTHER AND WE DID. 

I ASK THE CFPB TO PLEASE PROTECT ME AND HELP ME AGAINST THIS FRAUDULENT BANKING PRACTICE THEY ARE TRYING TO KEEP MY HARD EARNED MONEY
Consumer complaint received 2023-12-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC (AZ)

Jefferson Capital Systems called my phone at XXXXXXXX XXXX and at XXXXXXXX XXXX on XX/XX/2023. I have an XXXX and calls that are not in my contacts are sent directly to voicemail. Jefferson Capital never left a message at anytime and I didnt know that were trying to reach me specifically until I was served with a summons. So to answer the summons I had to go back to research if they ever tried to contact me and that is when I seen what had occurred.
Consumer complaint received 2023-12-25
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc. (FL)

I sent a request to review and cancel the 2 current loans that were opened in my name without my knowledge of. Additionally to that complaint, I was led by dishonestly from the XXXX XXXX XXXX XXXX that they promised all students they will receive a career after graduating and will help students pay off their loans. I submitted this request/complaint to the U.S. Department of Education 's office of Federal Student Aid regarding Case # XXXX on XX/XX/2023. This issue has not been solved. Today, I am submitting another complaint in hopes that my case will be taken into consideration for loan forgiveness.
Consumer complaint received 2023-12-25
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I was contacted via email offering for me to refinance my auto loan with a lower interest or payment. I responded and provided all information. The process to pay off my previous lender was tedious and required multiple phone calls to Capital One. The payoff occurred later than agreed. 

I contacted Capital One Auto who informed me that the first payment on my new loan with Capital One would be due XX/XX/XXXX. XX/XX/XXXX I began getting notices that my payment was late and I would incur a late fee. Capital One called me on XX/XX/XXXX I spoke with XXXX at Capital One. The call was incoming to me from XXXX at Capital One. XXXX verified the payment was to be due on XX/XX/XXXX and was to update the account accordingly. The update never occurred. 

I emailed and called Capital One on Monday, XX/XX/XXXX. I spoke with an account representative in the executive resolution department who verified the account was to be due on XX/XX/XXXX and I was told that the update XXXX processed took 48 hours to reflect in the system. I was told not to worry and that Capital One didn't want to lose me as a customer. 

As of today I am again being charged a late fee and the update for when the first payment was to be due has not been reflected in the account. I paid my XX/XX/XXXX payment on time and as agreed. The first payment on the loan was to be due on XX/XX/XXXX. Capital One delayed paying my previous lender in a timely manner leading to this situation. I considered cancelling the refinance when the process was delayed and was assured my first payment would not be due until XX/XX/XXXX as the delay was not my fault.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (TX)

This company has been furnishing personal privacy information without my written express consent Ive sent an opt out letter and company proceed to invade on my privacy per 15 U.S.C. 1681b ( 2 ) ( C ), 15 U.S.C. 1681a ( 2 ) ( i ) ( ii ) and ( iii ), 15 U.S.C. 1681c ( 2 ) Civil suits, civil judgments, and records of arrest that, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.

( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.

( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

( 6 ) The name, address, and telephone number of any medical information furnisher that has notified the agency of its status, unless ( A ) such name, address, and telephone number are restricted or reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services, products, or devices to a person other than the consumer ; Lexis Nexis has been selling my information without permission which is Non compliance for the whole title 15 U.S.C. 1681e
Consumer complaint received 2023-12-25
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Nelnet, Inc. (IL)

I wish to express my concern regarding Nelnet, a student loan collector, persistently attempting to collect an alleged debt through email. As per the Fair Debt Collection Practices Act ( FDCPA ), Nelnet is classified as a debt collector. 

Proof of receipt shows that Nelnet received my cease and desist letter via mail on XX/XX/2023. Despite the receipt of the cease and desist letter, Nelnet continues to violate my consumer rights by consistently attempting to collect the alleged debt through email. 

I am prepared to provide the necessary evidence to substantiate these claims and emphasize the direct infringement on my rights as a consumer.
Consumer complaint received 2023-12-24
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

As a consumer, I have the right to have late payments not be reported. In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under the Consumer Law code 15 US Code 1681a. section 602 states I have the right to privacy, and section 604 A states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-11-24
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

The Bank of America XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX Dear sir, I would like to write this letter after reviewing the messages sent by your company. It seems that I received the message that resolved on XX/XX/XXXX of XXXX regarding my claim XXXX XXXX XXXX XXXX. This message showed that initiation date was XX/XX/XXXX. Around that time, I have notified fraud alert, middle of bunch of assignments, and applications, issues regarding another company illegal transactions, I could not handle properly and could not open the message section. I just read that the claim was resolved at that time, and I just thought what I could do if your company said so. Then, today, I received another message telling me again this acupuncture transaction. I realized the matter was reopened, and I recognize this letter which looked like the one I received one week or more before. I just filed that there was no claim number and I could not send any information. Anyway, as far as I remember, I must have already submitted the information, which the letter indicated. And the letter indicates the address XXXX XXXX XXXX, XXXX, TX XXXX ; therefore, this information will be sent only this address. As fee of postage is on me, I just want to complain this inconsiderate of continuous appearances of claim numbers, XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX message was sent and initiation date was XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and XXXX ( XX/XX/XXXX ). All of these claim numbers were shown at the opening page of message center ; however, once you open each claim, all claims claim number is XXXX, which is same with account ending number XXXX. Even it seems confusing, the claim is meant only XXXX claim toward XXXX XXXX XXXX, {$58.00}. 

Sincerely,
Consumer complaint received 2018-11-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (MO)

XXXX XXXX is a collection agency out of XXXX VA. XXXX XXXX has been attempting to collect a debt in the amount of XXXX under account number XXXX since XXXX. 
In XXXX, I obtained a credit card from XXXX XXXX XXXX, who used the original creditor is identified as XXXX XXXX as their credit card service. However, XXXX XXXX has XXXX XXXX XXXX  listed as an original creditor for the same {$440.00} and are attempting to collect with XXXX   XXXX XXXX  as an original creditor. XXXX XXXX is also currently reporting to all 3 credit bureaus using XXXX   XXXX XXXX  as the original creditor with account number XXXX. On my credit report, XXXX XXXX is the original creditor and is also the creditor that i have made payments to. The account number for XXXX XXXX is XXXX. The last update to the original account with XXXX XXXX was on XX/XX/XXXX. 

The debt through XXXX XXXX XXXX is not my debt. 

Furthermore, it should be noted that the original amount of the debt was {$450.00} when XXXX XXXX obtained possession of the debt in XXXX. However, {$9.00} was paid on the debt that did not come from me in an attempt to keep said debt active. 

Attached, you will find the page of my credit report stating the original company was XXXX XXXX. 

It should be noted that according the consent order filed with the US Consumer Financial Protection Bureau case number XXXX, filed on XX/XX/XXXX encourages XXXX   XXXX to practice practice accuracy.
Consumer complaint received 2023-12-07
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. (NY)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2023-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (NC)

15 U.S.C 1681 section 602A 15 U.S.C 1681 section 604A section 2 states they can not furnish an account without my instructions.

15 USC 166B. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose in accordance to the fair reporting this creditor has violated my rights This late payment should not be on there I clearly explained to the creditor that I am having hardship and they know this and gave me a grace. I also had gotten XXXX at the time and was not employed which I expressed. Also on my credit report it is showing that the late payment was on XXXX, but on another one it shows I payed XXXX and it was late on XXXXSo there is a miss match there as well.