davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Harpeth Financial Services, LLC (TN)

In 2015 a " flex loan '' was taken out in my name. I did not do this. My mother did, she was able to because the person working at the advance financial location, on XXXX XXXX, in XXXX Tennessee was buying XXXX XXXX from my mother and did this as a favor. This loan was put in my name and I was not even present. I attempted to pay this off instead of just pressing charges. I made 8 months worth of payments and the balance due actually increased. I called the 24 hour number and was advised, by a supervisor, that when the flex loans first came out no one was properly trained. So the only way to pay the " flex loan '' off without paying a 300 % interest was to pay it all at once. I had been making the minimum payments ( XXXX biweekly ) and nothing was bringing the balance down. I was told that since this was fraud, and the individual who processed the loan was fired for not verifying people 's identities prior to approving loans, that I did not owe any more money. Fast forward to today, 2 years later, and I get an advertisement from some random attorney that advance financial has a pending lawsuit against me for the amount due. I did n't take this loan out, and I was n't there when it happened. I saw no money from this loan, it was done fraudulently. Advance financial was aware of this because they terminated the person doing it. I 've not heard from this company in over two years and today I find this out by way of an advertisement. This should be illegal. I called advance financial and the guy could n't tell me a thing because there was no information on any loan for me. I was given a number to call in XXXX, TN which is 2 hours away. The local store denied knowing anything because it 's been so long, and now I may be stuck paying something I did n't do, as an unemployed mother to XXXX XXXX XXXX children.
Consumer complaint received 2019-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IA)

On XX/XX/XXXX, my wife made two small purchases at our local library of {$1.00} and {$9.00} respectively using our Bank of America credit card. In reviewing our account statement with B of A, I was shocked to see two separate {$10.00} charges from the credit card company. 

I am a long time customer with an over 800 credit score and was well below our credit limit. I've never been past due nor have I ever been charged such a fee before. 

I decided to call the company to see if this was a mistake. After waiting on hold for over 40 minutes, I was told these were valid charges and therefore would not be reversed. When I asked why they were valid, they claimed it was because the charges were made as " cash equivalents ''. There was nothing different about our transaction from any other as they were processed using a normal credit card merchant device at the library. 

I subsequently asked to speak with a supervisor to see if the fees could be reversed due to my long time customer status. I was greeted by " XXXX '' who not only was smug and disrespectful, but also was lectured on why the charges were " valid and reasonable '', and was then told a story about bailing his brother out of jail and being surprised by the charges he incurred for such a transaction. Finally, he reiterated the charges would not be reversed. When I asked if they really wanted to lose a customer of nearly 15 years over {$20.00} in charges, he simply stated he could not do anything further. 

I subsequently reached out to BofA using their XXXX XXXX account. During my chat conversation I was told that because a decision had already been made to not reverse the charges that there was nothing they could do. 

I would like to place a UDAAP complaint against Bank of America for deceptively charging {$20.00} in fees for less than {$12.00} in total charges. This would equate to a 2000 % APR, not even considering standard interest charges which could be incurred. I made every attempt to have them make it right with me and they refused.
Consumer complaint received 2018-05-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PREFERRED CREDIT INC (AZ)

I recently started to check my credit, and noticed some collections on my report. I paid a credit repair company to address the matter .XXXX started sending letters on XX/XX/2017 to Preferred credit has not responded about the # XXXX as well .I would like them to show a wet ink signature that we indeed have a contract, if not remove this from my credit report, because it is reeking havoc on my ability to acquire credit.
Consumer complaint received 2024-03-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent accounts from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-31
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 (TX)

I am trying to obtain car and home insurance from XXXX XXXX XXXX. However, when my risk report was run by LexisNexis there was old information listed which prevented me from obtaining car and home insurance. I was denied because of excessive overall " claims ''. Many of the older claims were just having my car towed to the repair shop and not a comprehensive claim were the total was over {$1000.00}. My report is showing claim items like a " tow '' as a comprehensive claim. Additionally, claims on my property insurance are also showing up under my auto insurance claim history by LexisNexis which is what all Insurance Agents use to underwrite and write a new insurance policy.
Consumer complaint received 2024-03-06
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. (PA)

After checking credit profiles connected to me, I have learned that XXXX XXXX company are the cause of many adverse reactions and retaliations placed upon me. I have never given XXXX XXXX permission to furnish personal information and inaccurate information. 

XXXX XXXX has no permissible purpose to furnish this account. I would never volunteer for my any personal information be placed in the public eye let alone my personal information be shared and sold for profit by affiliate sharing. This is a violation of Fair Credit Reporting Act & Fair Debt Collection Practice act. 

Violation : 12 CFR 1016.10 LIMITS ON DISCLOSURE OF NONPUBLIC PERSON INFORMATION TO NON AFFILIATED THIRD PARTIES. 

XXXX XXXX this is your notice to Cease & Desist all communications regarding this matter until all record of documentation on record of books of accounting, validation, method of validation, wet signature of contract, all is provided to me. Please send everything by U.S mail. 

XXXX XXXX did not provide me with proper disclosure to opt-out of credit reporting as the option to opt-in. I was not giving full disclosure so any decision made I was uninformed and things was not clear. Per : VIOLATION ; 12 CFR 1016.7 FORM OF OPT OUT NOTICE TO CONSUMERS : OPT OUT METHODS. 

Please by me understanding my consumer laws and rights the creditor XXXX XXXX, XXXX, Transunion, & XXXX has violated the following : According to 15 USC 1681 section 602 ( a ), I have the right to privacy. Furthermore, as outlined in 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing an account without my written instructions. Additionally, as per 15 USC 1681 ( c ) ( a ) ( 5 ) sections, consumer reporting agencies are restricted from including certain adverse items of information in consumer reports, except for records of conviction of crimes dating back more than seven years. Lastly, under 15 USC 1681 ( s ) ( 2 ) ( a ) ( 1 ), it is stated that individuals are prohibited from providing inaccurate information relating to a consumer to any consumer reporting agency if they have knowledge or reasonable cause to believe it is inaccurate. 

I am exercising my rights under 15 U.S CODE 1692k - Civil liability that each mention violation not exceeding {$1000.00} : or in case of class action...
Consumer complaint received 2023-01-12
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ALLY FINANCIAL INC. (PA)

XXXX XXXX XXXX  contacted by XXXX XXXX XXXX XXXX with a reference number XXXX about a debt on a vehicle through Ally and XXXX. I do not have the exact number, but a little over {$4000.00}. They had my name, last XXXX of social, my phone, my parent 's phone, my brother 's phone and said they were sending out a summons to a judge for decision in XXXX days. I responded to go ahead because the vehicle in question is not my vehicle, but another family member 's who has the vehicle paid off and title, I have never opened an account with XXXX or Ally, however a family member did and the account was paid off. However, they insisted that the loan and " debt '' was under my name and social which is incorrect. They said they would continue with litigation and the summons sent out. The facts are, my social was never used for the purchase of the car, though they had the last XXXX, and I do not in fact own the car. All vehicles under my name and social are likewise paid off and titles in hand.
Consumer complaint received 2019-07-17
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Purchased Certificate of Deposit from XXXX XXXX XXXX in XX/XX/XXXX. XXXX XXXX XXXX was merged with XXXX XXXX  on XX/XX/XXXX. At the time I made contact with the bank and was told my certificate was safe with them. XXXX  was acquired by Huntington National Bank in XXXX. I contacted them and they confirmed the certificate was still valid. About 5 years ago I contacted the bank to cash my certificate and they refused to honor it. They told me they had no record of it. I have the certificate and have not been able to cash it. I am trying to clear credit card debts and other obligations. I have exhausted all options.
Consumer complaint received 2018-03-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

Coinbase, the digital currency exchange, has continued to neglect the crediting of BCH ( Bitcoin Cash  ) after months of claiming the following to their customers in their BCH FAQ : What if I sent BCH to my Coinbase BTC wallet after the fork, but before Coinbase added support for Bitcoin Cash?

Any BCH sent to your Coinbase account addresses has been credited to your new BCH wallet.

The above scenario explains my situation. However, I have not been credited the BCH which was sent to my Coinbase address after the fork, but before Coinbase added support for Bitcoin Cash.

I have had a support ticket open with Coinbase since XX/XX/17 for this specific issue. On XX/XX/17, Coinbase Support requested that I provide the Tx ID ( Transaction ID ) for the transaction, which I promptly provided. I have followed up with them three times since providing the transaction details and have not received an update other than " we're still working on this '' or " I still dont have an update for you, sorry! ''
Consumer complaint received 2021-02-18
Product: Checking or savings account — Checking account
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I applied for a small loan online, it ended up being fraudulent. They asked for my income date and apartment rent. I received a call at work from my landlord saying I havent paid and I reversed my payments from XX/XX/XXXX up until XX/XX/XXXX. I did not authorize these claims. I called the bank and told them the situation. When I spoke to BOA, they went back, canceled and return the money back to my landlord/merchant on XX/XX/XXXX. I am now in debt with the bank because of this fraudulent activity and now in jeopardy of losing my housing and my other expenses needed for daily life.
Consumer complaint received 2022-10-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (MI)

Hello, I submitted a request to my student loan provider Edfinancial Services on XX/XX/XXXX for a refund all payments made during the Covid-19 student loan forbearance period since XX/XX/XXXX. This sum amount was approximately ~ {$17000.00}. Edfinancial has been unable to provide me with a receipt, physical documentation, or confirmation of my request and additionally has stated that it could take up to 1 year from submission of my request to receive my refund. I have contacted them multiple times since submission for an update on the status my refund and they have been unable to provide any information regarding the processing of my request. 

From what I understand, many Edfinancial users are having similar problems with this provider while other lenders have been able to provide their borrowers with refunds in a more clear and timely fashion. I am simply looking for assistance in receiving my refund from Edfinancial since it is not clear when or if I will receive one since my request as 6 weeks has already passed and I am unable to receive any updates or physical confirmation. Thank you.
Consumer complaint received 2022-10-06
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX Account has violated my rights. 
Account : XXXXXXXX XXXX XXXX XXXX Account : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account XXXX XXXX # XXXX Account : XXXXXXXX XXXX # XXXX Account : XXXXXXXX XXXX # XXXX Account : XXXX XXXX XXXX # XXXX Account XXXX XXXX XXXX XXXX # XXXX Account : XXXX XXXX XXXX  # XXXX Account : XXXX XXXX XXXX  # XXXX Account XXXX XXXX XXXX # XXXX Account : XXXX XXXX XXXX # XXXX Account : XXXX XXXX  XXXX Account : XXXX XXXX XXXX # XXXX Account : XXXX XXXX XXXX XXXX  # XXXX Account : XXXX & XXXX XXXX # XXXX Account XXXX XXXX XXXX, XXXX # XXXX 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 2022-12-01
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (MD)

ALLY FINANCIAL XXXX XXXX XXXXXXXX I opened an Auto loan with Ally Financial in XX/XX/XXXX. I had previous loans with Ally so I was a repeat customer. In XX/XX/XXXX the start of the XXXX XXXX pandemic the State of Maryland forced us to shut down my businesses. Me being self employed was facing the reality that I would not have any income for my family. I called Ally to explain the situation and was told not to worry they are giving people the option of not paying during this time and these payments would be applied at the end of the loan. I was relieved until XX/XX/XXXX when I got a notice on my credit report that I was 90 days late on my payment. I immediately called Ally and I was told that they were giving the payment deferral but I had to submit a request in WRITING. That is the part I was not told about. Thus my credit report reported the 90 day late which destroyed my credit report. At that point I scrambled to get enough money together to pay all the back payments to be caught up to date. I have been requesting that my credit report be corrected to reflect that I was not late because the company although they told me I was eligible for a payment deferral I was not told the proper procedures to obtain that deferral. I understand that was a very difficult time for all of us but I feel that error on the part of the company should not jeopardize my ability to keep my good credit rating. Eventually the XXXX credit report corrected the error. Unfortunately XXXX credit report HAS NOT CORRECTED THEIR REPORT. In XX/XX/XXXX I paid off the car. Unfortunately for me the 90 day late report is still on my XXXX Credit Report. I am requesting that Ally Financial correct my credit report even though my account has been paid off that they report to XXXX that my loan was PAID AS AGREED and remove the 90 day late. Thank you in advance for your time and effort in my request.
Consumer complaint received 2022-07-27
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently filed a dispute with the credit reporting agency regarding wrong ( incorrect ) information on my credit report and it has been well over 30 ( thirty ) days and I havent received any investigation results.
Consumer complaint received 2019-07-17
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: EQUIFAX, INC. (MA)

I contacted XXXX because there is an account on my credit report that is being reported as a charge off. I asked the representative if she could tell me the name of the data furnisher and she said XXXX XXXX, now XXXX XXXX is the name of a credit card and it is not an actual company, how can a credit card name be reporting an account? According to the FCRA everything on a consumers credit report needs to be 100 % accurate without any mistakes, I want them to validate this account because I dont dont what it is and where it came from. I want this account deleted from my credit file because every single company name that I have been given starting with the original creditor arent correct, I called the original creditor which is XXXX XXXX and they told me that the account was sold to a company called XXXX XXXX XXXX, then I contacted XXXX XXXX XXXX and they told me to contact a company called XXXX XXXX XXXX, then XXXX XXXX XXXX told me to call a company called XXXX XXXX  and XXXX XXXX told me that they do not have the account with my information, I also received a letter from the original creditor telling me that the account was sold to a company called XXXX XXXX, I contacted XXXX XXXX and they do not have the account, What I would like to know is, how is it that XXXX and the other credit bureaus XXXX and EQUIFAX tell me that when I disputed this account it was verified, who verified the account if none of these companies have it? and the name of the data furnisher that appears on my credit report is not a company but a credit card name? Delete this account now because it has not and cant be verified or validated.
Consumer complaint received 2023-06-29
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: National Credit Systems,Inc. (IL)

I do not have a contract with National Credit System, they did not provide me with the original contract as I requested. 

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 1692C : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2021-11-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (FL)

Every time I try up upload supporting documentation to this loan servicer the website is inoperable. No one responds via " customer service '' when you email them about the issue and when you call you are promised a call back with no response. This servicer is clearly doing this by design and it is not an occasional occurrence.
Consumer complaint received 2023-07-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Client Services, Inc. (FL)

*See 5 Attachments Client Services Inc . Mailed me a Form creating the impression that I owe them for a debt. Within that form is multiple FDCPA violations and i have marked and noted them on the form and included it as an attachment!