davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-20
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Business and Consumer Solutions. (WI)

On XX/XX/2019, I received a phone call from a number registering same area code and town that I was in. The caller stated " was an attempt to collect a debt '' and then asked me to verify my name and address. I asked them to identify themselves, they said FBCS, and who they were calling on behalf of, which they refused to say and insisted I provide them my address first. I asked again who they were calling on behalf off and the caller told me they wouldn't answer anymore questions until I identified myself. At this point they hung up on me. I received another call today XXXX XXXX. The caller again said they represented XXXX and wanted me to identify myself. I didn't give out any information and instead asked for a business address and phone number. The caller became defense and refused saying she didn't have to provide any of that information. At no point in either call did the callers say who they were calling on behalf of UNTIL I asked them to identify themselves. Both calls came from a local number. And both callers became defensive when I questioned the legitimacy of their call, refusing to provide additional business information beyond the name FBCS.
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: EQUIFAX, INC. (NC)

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. 

UNAUTHORIZED INQUIRIES : 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 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 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 Equifax 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  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 2019-05-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF THE WEST (CA)

At the end of XXXX, I discovered that my Bank of the West checking account had been hacked and {$600.00} was stolen from my account. I immediately called the bank and was told that my debit card would be canceled and I would not have access to my funds ( unless I banked in person ) for 10 business days. I could not get a temporary card from my local branch and absolutely no other options were made available to me. Many merchants only accept payment via card ( including the parking machine at my job ) thus that single bank policy made it extremely difficult for me to engage in basic 21st century transactions. But with no options available, I had to simply accept this policy. 

Next, I asked the bank to reverse the stolen funds. They refused. Their policy was to mail me an affidavit they would not accept my declaration by phone. One week later, I still had not received the affidavit. When I called back, the Banks best offer was that I could go down to their branch ( at times that conflicted with my work schedule ) with a letter. If that option was available, why did I have to wait over one week to learn about it? 

Prior to receiving the affidavit from the Bank, I received difficult news concerning my health. I informed the bank I was dealing with a health crisis but would get the affidavit to them as soon as possible. Miraculously, despite juggling work, family life, and the challenge of coordinating a slew of doctors appointments to handle a potentially life-threatening challenge ( and fear, of course ), I managed to mail in the affidavit within two weeks of receipt. The bank sent me a letter informing me I had not sent it on their time table so they would not return my money prior to concluding their investigation. 

Finally, just yesterday, the bank returned half of my stolen funds with no explanation as to why or when I can expect the rest. 

In sum, I was the victim of bank fraud brought about through no fault of my own. In fact, the security practices of financial institutions like Bank of the West, are so lax they make such fraudulent activity possible, even common place. When I reported the fraud to my bank, they invoked policies that punished me, the consumer, and allowed them to take as long as they wanted to return my money. They did this just as I was dealing with the most frightening health crisis of my life. The {$600.00} meant nothing to the bank, but for me it meant I had to forgo basic necessaries so that I could pay bills for the month. It also added more stress to a very stressful time. This is unconscionable behavior. I ask CFPB for assistance with my case but also to investigate so that this problem does not happen to others.
Consumer complaint received 2019-09-20
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (MN)

I tried to purchase an item with my walmart credit card and use 6 months no interest feture since I met all requirements. When I called to do that I was informed that walmart is changing banks ( from Synchrony bank to XXXX XXXX ) and this promotional option is no longer avaiable. I complained with the company ( several representatives and supervisors ) and I was told they sent notification about those changes and also this is listed on their website. I reviewed the letter I received ( and called back ) about the bank change and nowhere on this disclosure was listed that I no longer have the option to use 6 to 24 months no interest when paying back my card. This was also not listed on theyr website. The Supervisor I spoke with could not address my concerns or offer a solution. I was only told that Walmart and Synchrony bank are not separating in a good relationship, so they can not do anything about my issues. I find it very disturbing that this important change was done in the first place and also no disclosures were provided to me as a customer. I opened this card only to use this option and buy high dollar items and pay them back on monthly payments with no interest. I believe this is a vaulation of the truth in lending regulations.
Consumer complaint received 2019-09-20
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: Navient Solutions, LLC. (CA)

Reported Dates Opened : XX/XX/XXXX, XX/XX/XXXX I have never had or signed any contractual agreement with Navient or authorized an agreement with Navient for any type of loan including a student loan. Furthermore they are erroneously and inaccurately reporting me as late/delinquent on my credit report with the intent of extorting me via my credit, credit worthiness and my employment viability. 

The aforementioned is clearly in violation of the Fair Credit Reporting Act ( F.C.R.A. )
Consumer complaint received 2019-09-20
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TOYOTA MOTOR CREDIT CORPORATION (NV)

This company is harassing me and extorting in the name of Toyota company they say that I owe them and for me that deals with scam they are sending me aggressive letters and bulgars when they call me I need them to stop harassing me
Consumer complaint received 2019-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/2019 I contacted J P Morgan Chase Credit Card Services Requesting Chase Letters confirming my two credit cards ( Amazon and XXXX accounts ) were closed and charged off. The two Chase credit card Representatives refused my Request of Chase Bank written confirmation letters of Card Closures and charge offs and written balance of each of the two accounts. 

I need these letters for a US Federal court action to prove ill reparable financial harm against me committed by another party. This case is in the XXXX XXXX Circuit Court of Appeals awaiting Appointment of an Attorney for myself. 

I find my legal request of accommodation most disturbing while at the same Chase demands full payment.
Consumer complaint received 2019-09-20
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: Experian Information Solutions Inc. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND I FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO PLEASE DO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES LISTED DOES NOT RELATE TO ANY TRANSACTIONS THAT I HAVE MADE
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

In accordance with the fair credit reporting act this creditor has violated my rights under XXXX XXXX XXXX XXXX XXXXXXXX states I have the right to privacy. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  also states a consumer reporting agency can not furnish an account without my written instructions. They are reporting a charge off on several accounts that have been closed without my consent. That debt then became a credit tax write off for capital one and is now taxable income for me. However I have NEVER received a XXXX cancellation of debt form from capital one for anything they are reporting and this is inaccurate and should be removed. The cancelled debt is being filed on companies taxes and also reporting on my credit report as a debt. This is a violation of XXXX XXXX XXXX XXXX as there should be maximum accuracy on the consumer report.
Consumer complaint received 2021-11-11
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: AUTOMOTIVE CREDIT CORPORATION (NC)

On XX/XX/XXXX, I purchased - or I thought I purchased - a XXXX XXXX from XXXX XXXX. I was given a temporary tag even though I had a valid tag from a previous vehicle. After 30 days, I was given another temporary tag. I attempted to have someone in XXXX transfer my valid tag to no avail ; the vehicle was registered to someone in Indiana. I went back to the dealership and ... ... .surprise! They were shut down for fraud. I continued to pay the monthly payments to AUTOMOTIVE CREDIT CORP. XXXX is theis headquarters number in Michigan. As of XXXX of XXXX, they still were not sure of the ownership at which time they sent me a verification of VIN paperwork, which I provided to the Florida XXXX University police dept ( I believe ) i subsequently forwarded to ACC. Along with the vehicle giving me issues and the confusion regarding lien holder or title, I requested they come and get the vehicle, I'm not sure of the date possibly a month or so after. On time payments were reported until XXXX of XXXX. I was informed by ACC that I did not give them enough time to research and they've decided not only to butcher my credit but also to sue me. XXXX XXXX XXXX XXXX XXXX at XXXX. Apparently there is a judgment? I no longer live in the state of Florida. It's been extremely frustrating, why would I be responsible for a loan that was tied into this dealership? This financing was set up by the dealership, not me. I believe they should go after the dealership as another 100 customers did.
Consumer complaint received 2019-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OK)

XXXX has been the worst mortgage company by far that I have ever worked with. They have given me nothing but problems and false reporting throughout the entire relationship. I am so glad that they sold the load to XXXX. 

Back in the XXXX, XXXX, XX/XX/XXXX time frame that had a totally random faulty reporting of late or missed payment on my credit report. When I saw it ( only because I was closing on another property and the lending company saw it ) I called XXXX and they sent the attached letter apologizing for their mistake and promising to remove it. As you can see from my current report.. .they NEVER actually removed it. A late payment from spring of XXXX is STILL on my credit report. 

In XXXX there was a hurricane in XXXX Florida which is where this property is located. XXXX mortgage pro-actively reached out to me to suggest a disaster relief plan that would have me defer three months payments. They told me to skip three months payments and then on the 4th month they gave me a new amount that I would be required to pay for 6 months. ( this amount represented my normal monthly amount plus an additional amount to make up for the XXXX months by spreading it out over 6 months ). I did everything that XXXX told me to do. I skipped the XXXX payments and I set up by automatic bill pay with the bank to pay a higher amount for 6 months and then resume with my normal monthly payments. 

I was never any days late. 

I heard that sometimes when they set up deferred payment deals that they plan on marking you as 30 days late, even though in my conversations with them before agreeing to do this.. They assured me that there would be NO negative reporting on my credit report. 

They did report me as late.. .however, I never missed nor was late on any payments with XXXX mortgage. 

Very predatory lending practices by XXXX. I hope to never have to do business with them again. 

Their predatory practices prevented me from closing on a new home which was to be my first home owned primary residence since XXXX. 

Please help. Thank you so much. 

XXXX XXXX XXXX
Consumer complaint received 2024-03-01
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MA)

( Never received a response ) XXXX XXXX, I am trying to reach Consumer Affairs and was unable to find an email address. I do plan on calling as well. 
However, I am hoping you will be able to answer my questions and help to rectify discrepancies. 
**I will be sending the attachments separately as your email is telling me you can not receive just two attachments, that the files are too large. 

I recently purchased my lease, and while I am aware of the general fees to expect, there are some that I feel are NOT transparent. 

First off, my residual value was very clearly stated. I provided the letter via email ( weeks before ) stating the buy out price before I came into the dealership. I also asked the finance manager twice for a breakdown of the fees that would be included so I could review BEFORE I arrived. Naturally, that did not happen, not to my surprise at all. The amount in my letter states the buy out price at {$14000.00}. 
Yet somehow a phantom fee of {$370.00} was added onto this price, making it {$14000.00}. 

What is this fee? I was not provided with an explanation or given solid reasoning. 

I also went through my initial lease paperwork and not only were additional fees to the buy out price not disclosed, it also specifically mentions that is the agreed upon buyout price between dealer and consumer. 
The Consumer Leasing Act requires that all the terms of the lease, including anything you must pay, be disclosed in the initial lease agreement. That also includes any sort of buyout provision at the end of the term. If it is not in the lease, it can not be charged. 

I want a full explanation of why I was charged the additional amount ABOVE the buy out price, which is actually illegal as I mention above. 

I also see the VSI premium fee of {$95.00}. It is specifically stated that is not to be included in the total amount of the loan. 
Lenders are required to disclose information related to VSI insurance to buyers before the point of sale ( was not disclosed ). In addition, VSI must be calculated as part of the finance charge and included when estimating the loan 's annual percentage rate ( APR ). However, the cost of VSI insurance can't be factored into the total loan amount being financed by the borrower ( it was factored in ). 

I am prepared to pursue this futher, but I am giving you the opportunity to address this first. 
I don't care if it is {$100.00} or {$1000.00} in fees, poor business practice is wrong. I don't think continuing to lose customers is worth it. It will cost more in the long run if customers continue to share their negative experiences deterring others from returning to Nissan dealerships. 

Please respond back ASAP as I will move forward with these issues should I not hear back. 

Thank you, XXXX XXXX
Consumer complaint received 2019-09-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (TX)

SOMEONE HACKED INTO MY AMAZON CREDIT CARD AND THIS COMPLAINT CONCERNS SYNCHRONY BANK, THE HOLDER OF THE CREDIT CARD. THIS CARD WAS HACKED FOR 4 MONTHS WITH A TOTAL OF {$16.00} PER MONTH. I HAD TO CALL THE BANK 5 TIMES TO GET SOMEONE WHO KNEW HOW TO DISPUTE THE PROBLEM AND WOULD FIX THE PROBLEM THE PEOPLE I TALKED TO ARE AS FOLLOWS AT SYNCHRONY BANK. XXXX, XXXX, XXXX AND XXXX. THREE OF THESE WERE IN A FOREIGN COMPANY AND HAD NOT IDEA HOW TO FIX THE PROBLEM AND MOST COULD NOT UNDERSTAND WHAT IS WAS TRYING TO GET DONE. XXXX SAID HE WOULD DISPUTE THE CHARGES AND I CANCELED THE CARD. AMAZON SUSPENDED THE CARD AS WELL. THIS BANK HAS HAD YEARS OF ABUSE TO CUSTOMERS AND PLAYING DUMB, OR THEY SIMPLY ARE AND EVERY CORPORATION THAT USES THIS BANK KNOWS THAT THEY ARE MOSTLY IN THE XXXX WHERE THIS KIND OF FRAUD AND HACKING IS RAMPANT YET THEY REFUSE TO DO ANYTHING ABOUT HIRING THESE CORRUPT BANKING INSTITUTIONS. I WOULD LIKE THESE PEOPLE INVESTIGATED AND AMAZON IS ALSO VERY VERY CORRUPT AND ONE OF THEIR PEOPLE COULD HAVE USED THE CARD AS WELL. I DO NOT KNOW IF THE CHARGES HAVE COME OFF, BUT IS SUSPECT THEY WILL FIND A WAY TO NOT REFUND THE FRAUD CHARGES AND THIS IS NOT THE FIRST TIME THAT IT HAS HAPPENED
Consumer complaint received 2019-09-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

My loan transferred from Ocwen Servicing on XX/XX/XXXX to PHH Mortgage Servicing. At the time I agreed to a loan modification with Ocwen and made the 1st of three trial payments. The remaining two payments were collected by PHH. I tried on several occasions to pay online and was not able to do so, I was told it was due to not having all of the data file transferred. My payments were taken over the phone by an agent for XXXX and XXXX. I have not received any communication from PHH since I made the last trial payment on XX/XX/XXXX. I have called and checked online, even sent messages and have been told that the modification department is still working on my request. In the meantime I received two collection calls but both representatives I spoke to reiterated the thing as before, no further information. I called today XX/XX/XXXX to follow up on a complaint I made on XX/XX/XXXX regarding improper reporting on my credit. I spoke to rep ( XXXX  # XXXX ) who refused to provide a reference number for my call. I don't know what is going on with this mortgage, I see property preservation fees ( indication of foreclosure ) however, I have received nothing in regards to the modification of the loan.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report. 
Incorrect historical data listed below : Incorrect Name - XXXX, XXXX, XXXX Incorrect Address - XXXX XXXX XXXX XXXX, XXXX, FL, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX I also hereby formally dispute the accuracy of the following credit inquiries on my credit report : XXXX XXXX- XX/XX/XXXX XXXXXXXX XXXX - XX/XX/XXXX
Consumer complaint received 2023-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: REGIONS FINANCIAL CORPORATION (GA)

With no prior written notice, Regions Bank closed my credit card, harming my credit score. I had been a cardholder with them for 18 years, all in good standing. Apparently I had not used the card over the past 24 months. Regions never sent me any correspondence regarding any inactivity. Without any notice, I received a letter from them informing me of the account closure. I think Regions Bank is having trouble attracting deposits and they are systematically closing account lines of credit. While I understand their right to do this, they should give proper notice and not harm consumer 's credit scores. A