davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: AMERICA FIRST FEDERAL CREDIT UNION (UT)

America First Credit Union is eliminating their regular checking account that has no fees and replacing it with either a classic checking account with no fees and is free similar to their elimined account or a premium account that will charge a $ XXXX  monthly fee. Customers are automatically opted-in to be enrolled in the premium account and must either call customer service or go to a local branch to opt-out of this premium checking account. The counter that the account is free for 30 days and customers can opt-out anytime during this 30-day period. The problem is users are notified by email and many will mistake this email for a marketing email since they send similar emails to market various offers. If customers do read the email, it doesn't seem to indicate that they can opt-out. It gives customers the false impression that AFCU has only the premium account. Most customers will have no idea they were opted-in to the premium account and will only find out after they are charged a $ 6 monthly fee starting in XXXX or XXXX. They will probably have no idea what the premium account is until they are charged {$6.00} and told by AFCU that they were opted in. It is also misleading since AFCU says customers can avoid the {$6.00} fee by having a balance of {$1500.00} but according to their terms a customer must have 1 ) an average daily checking balance of {$1500.00} for the month, 2 ) {$500.00} in direct deposits for the month, and 3 ) a total of at least 20 purchases made on either their Visa debit or Visa credit cards. Many customers will be surprised to see the $ 6 monthly charges since they believed that they only had to have one of these 3 requirements to avoid the {$6.00} fee. Their information on the Classic vs. Premium checking account is also confusing with a statement that the Premium checking has an unlimited amount of transactions. If you ask customer service they indicate there isn't a limit on transactions for the classic but it sounds like there is. They also mention the premium has fraud protection giving customers the impression that the classic checking account doesn't have this protection. They also tout the benefits of the premium account such as smart phone damage insurance and identity theft protection but it seems these are normally available through the Visa agreement for no fee. Customers should be notified by mail for such changes and also shouldn't be automatically opted in even if it is a 30-day free trail.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Global Lending Services LLC (GA)

On XXXX, XXXX XXXX I sent Global Lending Services a letter requesting a verification for an account that was placed on my consumer report. I received a letter in return for account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I wrecked this vehicle and the account was paid off in full but there were two late payments reported to my consumer report. 

Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( GLOBAL LENDING SERVICES ) Making the report is NOT INCLUDED on my Consumer report!

Late payment is a transactional history, My HISTORY with the company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included in the consumer reports!
Consumer complaint received 2021-05-02
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NM)

Experian is reporting that I am affected by any natural or declared disaster. I have asked that this statement be removed from my account. 

I have asked for my own personal statement be added to the credit report Experian has refused. 

I have asked Experian for the documentation of investigations into disputed accounts reported. Experian has refused. I have not received any information or documentation on how disputes were conducted and how the results were determined. 

I am not and have not asked for a reinvestigation or investigation of any kind on any account in the credit report by Experian. This is an ongoing and continuous refusal of Experian to provide requested information and add personal statement. 

XXXX XXXX  XXXX XXXX company is wrong for reporting affected by natual disaster- I have contested this account on credit report for over 3 years. I do not owe The XXXX XXXX XXXX or the alleged originator of the collection. This statement constitutes fraud in reporting. )
Consumer complaint received 2022-09-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (WI)

( XXXX ) IQ DATA INTERNATIONAL INC. 
XX/XX/2022 {$2200.00} ( XXXX ) IQ DATA INTERNATIONAL XX/XX/2022 {$2200.00} As seen above this account is inaccurately reporting two different balances to XXXX different credit bureaus.
Consumer complaint received 2021-05-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (VA)

Binance US charged me twice back in XXXX when purchasing their BNB token. Two charges of XXXX dollars, so I contacted my bank and had them reverse one of them. A week later my account was disabled, and funds frozen on their platform. I finally got in touch with someone after three weeks, and it took another two to resolve my initial issue : getting my account enabled to make purchases again. However, to enable my account, I had to deposit the same XXXX dollars that was reversed by my bank. THIS MEANS I AM STILL OUT XXXX DOLLARS. the customer representatives XXXX XXXX XXXX have not been responsive when being asked where my " precredit '' is, a term they mentioned before disappearing. I am owed XXXX dollars by this company.
Consumer complaint received 2021-01-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CarMax, Inc. (MD)

XXXX XXXX car max -- ran my credit report without authorization. 

On XX/XX/2019, they ask if i wanted to see how much the loan was and if I qualified. 
THey had not looked at my trade in and the sales person simple ran my credit report without my permisssion.
Consumer complaint received 2024-03-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NC)

I made a purchase on XX/XX/2024 through PayPal in the amount of {$110.00} for a trio of ducks. Initially, I filed a dispute because I believed that the name of the recipient was incorrect. I was contacted by the recipient and asked why I had filed the dispute. I explained and learned that the email used for the payment was an alternate email used by the business. Subsequently, I withdrew the complaint. The recipient of the funds refuses to send the purchased items and, although stating twice that the items were being sent the next day has failed to do so. All attempts to contact individual have failed or have received no response. I have reached out to PayPal for assistance in resolving this case of fraud and, because of the initial dispute claim and withdrawal of said dispute, albeit for a totally different reason, have not been allowed to file a claim or actually speak with a human being. I have sent messages, chatted with AI assistant and jumped through all the hoops but can not get any assistance. Obviously the individual to whom the money was sent for products is running a scam and PayPal is allowing transactions to occur through its business and fails to address the issue. The payment was for {$110.00}. PayPal has the ability to recover my money and refund it to me but will not allow me to speak to anyone to explain the situation, thus I am in limbo and cheated out of {$110.00} plus the fee that I paid to PayPal for the transaction.
Consumer complaint received 2020-11-18
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. (CA)

I have been trying to work with the 3 credit agencies for 7 months to fix the balances of my mortgage.The credit agencies still reporting XXXX when I only owe XXXX. 
I also try to contact XXXX XXXX numerous times.The 3 credit bureaus and XXXX XXXX XXXX XXXX keeps ignoring my request for last 7 months.
Consumer complaint received 2021-05-02
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. (ND)

Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2021-01-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Helvey & Associates, Inc., Warsaw, IN Branch (MI)

Helvey and Associates has continued to report inaccurate information on my credit report after failing to provide verification that the account belonged to me. I submitted an identity theft to the cfpb when there was a data breach with XXXX and my information was used illegally. Helvey and Associates has continued to report this account even after not providing any contract or sign documentation. According to Metro 2 guidelines ( A collection agency debt buyer/ third party collections agency reporting shall not report after debt is paid in full. This is not an admission this is my debt, but I paided it off because my name was used to open this account illegal. I called the utility company and requested documentation and there has not been any verification that this is my account. Helvey and associates is is violation of fcra of reporting inaccurate information on credit report. This violation needs to be investigated and the XXXX needs to be notified.
Consumer complaint received 2022-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

There is a {$7000.00} charge off on my credit and bill collectors keep contacting me about this XXXX XXXX XXXX. I just received an email from Capital One claiming they were going to repossess the car. This vehicle was totaled in XXXX, and as shown in the attached photos both insurance paid out and XXXX was paid to the lender, but they are still coming after me for a car that doesn't exist for money they were paid years ago.
Consumer complaint received 2020-11-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I submitted a hardship request per the instructions found on the collection letter I received. I mailed the document first, well within 30 days of the date on the letter. However, I never received a response/nothing happened. I proceeded to email the documents after seeing that it was an option. I've continued to email my request and don't receive any response or acknowledgment.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (TX)

" As per the Fair Credit Reporting Act ( 15 USC 1681 section 602a ), it is stated that 'There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ' Under 15 USC 6801, it is Congress 's policy that financial institutions must 'respect the privacy of its customers and protect the security and confidentiality of those customers nonpublic personal information. ' The furnisher of information to credit agencies is considered a financial institution under this statute.

According to 15 USC 1681 section 604a ( 2 ), 'any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ' XXXX, XXXX, and the furnisher of information do not have my written consent to furnish my information. 

15 USC 6802 ( b ) ( c ) specifies that 'A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ' The furnisher of information never informed me of my right to exercise my nondisclosure option.

Moreover, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including certain adverse information in consumer reports without authorization. This account is an adverse item being reported without my permission, which is against the law.

Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) states that '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. ' XXXX and XXXX are not maintaining reasonable procedures to avoid such violations. 

Furthermore, 12 CFR 1016.7 allows consumers to 'exercise the right to opt out at any time. ' Therefore, I am opting out of their reporting services. ''
Consumer complaint received 2022-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

in accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX # 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
Consumer complaint received 2021-05-02
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: Experian Information Solutions Inc. (DC)

I have reviewed a copy of my credit report and I show company XXXX XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Consumer complaint received 2021-05-02
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: ADP Inc. (MI)

Back in XXXX, XXXX my prepaid card had a negative balance of over {$330.00}. My card is the XXXX XXXX XXXX  by ADP. It is a Visa card. I started a dispute back in XXXX, ad the charge for the room at the XXXX XXXX in XXXX XXXX, MI was unauthorized. The card was to be used for incidentals only, of which I had none. I paid cash for the room, and provided ADP with the receipt showing this. 

I was told about 3 weeks ago I had to re open the claim as there was a note on my file regarding this, but the claim was never formally started due to a staff error. This is not my fault not is it my problem. The claim was re-started at the beginning of XXXX. I emailed all my proofs to ADP. 

I received a 1 page dispute form in the mail 5 days AFTER the due date. There were instructions to fill out the 5 pages that were " enclosed. '' The only document enclosed was a cut off cover letter. 

ADP is purposefully avoiding doing their job and investigating this dispute. It had been almost 6 months and my dispute has not been resolved after showing proof that I paid cash for the room and the charge was not authorized. 

I am getting ready to take ADP to court and ask for a Writ of Mandamus to compel them to perform their duty to investigate as required by law.
Consumer complaint received 2020-07-23
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. (NY)

THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT ANS HAS BEEN PAID FOR IN A SETTLEMENT AGREEMENT. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SHOWING PROOF OF THE AGREEMENT.
Consumer complaint received 2022-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX  paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2021-01-28
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (FL)

Santander was part of the multi state Attorney General lawsuit. My loan was part of their predatory lending practices. They are and where suppose to remove the default off all credit bureaus. I have contacted multiple times santander. It's on their recorded lines deny to transfer to supervisor being nasty and or stating no we aren't doing basically what's legally required for customers following the lawsuit unless they mail the credit department asking for it. Luckily I already already have but they are still denying it and will not resolve. I know two people personally that they owe the title they are delaying tocollect money still and doing similar illegal tactics.I mailed a certified letter also to the creditor who bought the debt they refuse to acknowledge comply and harras me illegally. Santander thinks they are above the law and continue to practice predatory loan practices take advantage of consumers XXXX  account number : XXXX Take care of your XXXX XXXX  XXXX, XXXX ( current creditor of your original Santander Consumer account ) balance today. 

We understand that debt can be stressful. Your {$11000.00} balance with XXXX XXXX XXXX, XXXX ( current creditor of your original Santander Consumer account ) may be one of the many things on your mind. 

Work with us to set up a payment plan that works for you. 

Sign up for a plan today and mark one thing on your list as done. 


Sign up for a plan This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. 


Copyright 2020 XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX XXXX Office Hours : M-F, XXXX XXXX - XXXX XXXX ET XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Your XXXX  account number is : XXXX Click here for more information about your balance Unsubscribe Dispute this debt Privacy Policy Log in to your account This was originally an account with Santander Consumer, account number ending in XXXX
Consumer complaint received 2024-03-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (MA)

Have received repeated texts on my cell phone from Spring Oaks Capital , LLC stating that an Indigo XXXX originated by XXXX XXXX  is now owned by them. They offer to accept a reduced sum of {$580.00} to resolve the account. " Offer '' codes and links are provided, however the texts are always unaddressed. The most recent text was on XX/XX/2024 at XXXX XXXX  It was reported to my phone operator. At least XXXX other messages have been received, reported and deleted in recent weeks. 

I have never had, or even heard of, such a credit card or bank. This debt is not mine.