davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-29
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CREDIT ACCEPTANCE CORPORATION (IN)

Dear CFPB, I am writing to lodge a formal complaint against XXXX XXXX XXXX / XXXX concerning my 2015 XXXX XXXX 4D Hatchback, Upon purchase, I was presented with a sale price that has since felt misleading and exorbitant, as detailed in my declaration paper. Furthermore, the vehicle has proven to be mechanically unsound, culminating in a complete engine failure just two weeks after purchase, rendering the car unsafe and undrivable. 
Given the severity of these issues, which directly contravene the assurances of safety and reliability I was provided at the point of sale, I am seeking an intervention from your office. I request a thorough investigation into the dealership 's practices, and I am looking for either a full reimbursement for the car or the return of my down payment. 
I am prepared to provide any necessary documentation upon request. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-03-01
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (AL)

XXXX XX/XX/XXXX : Received a statement from Hunter Warfield Inc. stating that {$2500.00} was owed. I called Hunter Warfield and they said the money was owed to XXXX XXXX in XXXX, AL, an apartment complex I used to live at, for 'cleaning and damages '. I disputed the claim. I also called XXXX XXXX directly to ask why this debt was owed and they declined to respond. This was a surprise to me, as I had received a final account statement back from XXXXXXXX XXXX when I left and received my full security ( {$350.00} ) deposit check in the mail two months later. 

My wife submitted a dispute on the Hunter Warfield website in XXXX. 

XXXX XX/XX/XXXX : I received confirmation from Hunter Warfield that the debt was disputed and that XXXX XXXX had not responded. 

XXXXXXXX XXXX order Hunter Warfield to collect a fraudelent debt from me. As you can see in attachment XXXX, XXXX issued me a final account statement, stating that there were no charges after move out, dated XX/XX/XXXX, and even returned me the {$350.00} deposit that I gave at move-in in XXXX of XXXX. Hunter Warfield sent me a statement dated XX/XX/XXXX with the {$2500.00} charge. This was not consistent with my statement at move-out. 

Additionally, I have 10 months worth of on-time rent payments and {$0.00} account balances to further highlight the fact that there is no such debt owed to XXXX XXXX XXXX This is not attached because it contains personal information.
Consumer complaint received 2021-11-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (CA)

My account was charged by XXXX for the violation of the Acceptable use Policy of {$3100.00} without a valid reason. 
Transaction Date : XX/XX/21 Amount : {$3100.00} Transaction ID : XXXX XXXX. There was no violation from my side. I sold an item on XXXX, a 100 % authentic XXXX XXXX, and received POSITIVE feedback from the buyer - Transaction ID XXXX XXXX. To protect from any problems, XXXX put a hold for 180 days and I received a letter that I can withdraw my money if during 180 days no issues arise - THERE WERE NO CLAIMS OR ISSUES- I HAVE GOT A POSITIVE FEEDBACK - AND THE BUYER IS HAPPY 3. I did not Violate any of the terms of the Acceptable Use Policy and this transaction caused ZERO damage to any party involved.

I would like you to check all the records and positive feedback to see that nothing was violated. Cancel this withdraw that was made by mistake and return my money back so I could withdraw them and close my account. 

Otherwise, will I have to use legal enforcement : - I will join a class-action lawsuit - I will submit a complaint to CFPB ( Consumer Financial Protection Bureau XXXX and XXXX - I will file a claim in the local small claims court.
Consumer complaint received 2020-11-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (VA)

I called Ally and asked to add two to three payments on the end of the loan due to Covid-19 hardship. The rep kept saying sure but then would demand that I pay the full balance and no help. I then asked again and he said yes he would help and then demanded that I make a payment again. He kept agreeing to help then would demand a payment. I then asked to escalate it to a supervisor. He said sure but then didn't do it. He kept asking how much I could pay right then. I said I couldn't pay anything yet due to income loss. He then said he would escalate it XXXX this was the second request ), which again, he didn't do. He said he would send my request to a supervisor who would then contact me and help me. Guess what? No one has contacted me. We were on a chat for an hour in which he lied the whole time and kept demanding that I make a payment right then. I never got a supervisor to help me. I have had good standing with Ally until covid-19. The guy on the phone told lie after lie and then kept demanding payment.
Consumer complaint received 2024-03-02
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Atlanticus Services Corporation (CA)

I had a rewards credit card with this scammy bank. I always kept the card was current and I paid in full every month.They arbitrarily decided to close my account after I had accumulated {$340.00} in rewards which are reflected on my last statement which I've attached. I spoke with a Supervisor named XXXX ( Operator # XXXX ) on XX/XX/XXXX who stated that even though my card was closed, I would have to wait until the anniversary statement ( XXXX ) to cash out my {$340.00} rewards balance. I asked if the rewards check would just be mailed to me automatically? She stated that I would just need to call in and tell them that my account is closed and they would have to manually request the rewards check to be mailed to me. I waited until the XX/XX/XXXX statement generated, and I called in and was told they couldn't give me the rewards I had earned because the account was closed. I reminded the operator that supervisor XXXX back in XX/XX/XXXX had already told me back on the day when the card was closed, that I would still get the rewards on the card even though it had been closed since I had rightfully earned them from purchases I had made. Very shady and unscrupulous bank. Don't keep their word or their terms. The scam they're running, is entice customers to use their card based on the false premise of earning rewards which will be paid out annually, thereby earning the bank lucrative interchange fees. Then arbitrarily close customer accounts just before the anniversary date when they'll have to award those rightfully accumulated rewards.
Consumer complaint received 2024-03-01
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: JPMORGAN CHASE & CO. (GA)

Just got out of a XXXX XXXX  situation. My credit card was in possession of the XXXX  from XX/XX/XXXX- XX/XX/XXXX. Once I got away and was able to move to leave the state on XX/XX/XXXX I called my back to describe what happened and that none of the amounts during this time were purchases made by myself & I had none of the items or services purchased during this period. They assured me that it would be taken care of & all charges were removed at the beginning of XXXX after the fraud charges were reported. As of today XX/XX/XXXX, I received a letter stating they had reviewed and placed ownership of benefits from purchases on myself. I would like to put this entire nightmare behind me but chase bank is prohibiting this from happening.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (AZ)

There are multiple lines of credit open through XXXX XXXX XXXX XXXX that are close to {$15000.00}. There is also an open auto loan through the same credit union for about {$42000.00}. There is also a credit card through XXXX bank that is open, a JC Penny store credit card ( possibly the one through XXXX ), and 2 other names besides mine on my credit report. None of these things are mine.
Consumer complaint received 2024-03-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

On XX/XX/year> PRA response to XXXX in the responseRPA use the terms on or about the date consumer was mailed a letter to address first inaccurate never live at XXXX XXXX XXXX XXXX XXXX XXXX  so how can a debt be validated within five days mail to incorrect address consumer never live at.Second Inaccurate never provided purchase agreement. 3rd inaccurate reporting bills PRA submitted have a different address that was provided supportly bye the original creditor. PRA violation 15USC1692 G failed to validate a debt. PRA also stated all information was validated with the original Creditor I live in the XXXX  the address name is In XXXX.
Consumer complaint received 2024-03-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Spring Oaks Capital, LLC (NH)

In response concerning the purported debt, I must assert its invalidity due to insufficient validation from Spring Oaks Capital. On XX/XX/2023, I corresponded with Spring Oaks Capital, posing five specific questions aimed at validating the debt. Despite my efforts, the response I received failed to adequately address all inquiries.

While Spring Oaks Capital attempted to respond, their reply did not sufficiently address all five questions outlined in my initial communication. They answered four questions, but failed to answer the fifth or respond at all to the fifth question Therefore, according to legal protocols, the debt lacks validation.
Consumer complaint received 2021-10-06
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Comerica (MN)

had damaged card. ordered new card over phone. no direct assistant attendant available to speak with. happens to me quite often.. especially during an emergency situation. i, order new replacement debit card and recording identifies my address by asking if my XXXX XXXX XXXX is XXXX if i pay {$13.00}, i can receive my new card in 2 days. i agree, and never receive my card. payments need to be paid or late charges accure. card never shows up, because not allowed to express delivery card to any po box . i learned this after nearly two weeks waiting for my card and having nearly no answer by direct express .com banking system to respond 24/7 days a week. no, fuel for transpo to court hearings, many important payments and im expected to always eat the charges? well now i have a new card, worked for a week. and now card is frozen for any further activity.. it cost me {$13.00} for a week of activity.. and i call day and night all hours and no answer, but once and been told my account is with fraud department. so they transfer me and no answer, while waiting for an hour.. no, call back, and still no answer..can you contact them and release the freeze on my card, so i can be able to use it and most likely move to anther bank. card # XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. thank you most appreciated. and if possible, i would like both card payments returned along with {$500.00} dollars in fees of late charges and punitive damages. thank you once again.
Consumer complaint received 2016-08-14
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XXXX XXXX XXXX XXXX sent a settlement offer for a debt. On XXXX a request for validation of debt was sent to the debt collector. On XXXX a second request for debt validation was sent to the debt collector. Although federal law requires a 30 day response, the debt collector has yet to validate this alleged debt and now they are in violation of the FCRA and should immediately removed this unverifiable information from my credit report.
Consumer complaint received 2024-03-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (IL)

I am an XXXX XXXX I have an education award. On XX/XX/2024, I authorized a payment in full to Nelnet, which was confirmed by the XXXX portal. For what would not be the first time, Nelnet has decided to deprive me of XXXX  by refusing to credit this to my account. Their customer service is not working today. I am instead asking for Nelnet to be fined, my money reimbursed and a written letter on behalf of Nelnet to credit agencies admitting the company 's negligence
Consumer complaint received 2021-10-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (AL)

I received information from you attempting to collect the above-listed alleged debt. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Consumer complaint received 2016-03-28
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (FL)

I became XXXX and when I contacted Ocwen they put me on a repayment plan but did n't offer a loan modification. I got hospitalized and once released and no longer depressed I contacted Ocwen and the representative told me I could not send in the payment. So, I eventually applied for a modification and each time my application has some how disappeared. But I have been assigned a representative from their company more than once. I have even taken my loan modification application to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Florida. on several occasions. I contacted to get a pay off and they quoted me XXXX but the attorney representing Ocwen gave a quote just a little over XXXX XXXX. I submitted the loan modification to their attorney XXXX XXXX.
Consumer complaint received 2024-03-01
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.

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 2020-08-29
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: WELLS FARGO & COMPANY (AR)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2024-03-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BMO Bank, N.A. (CA)

On XX/XX/2024 we terminated the office manager of XXXX XXXX for violation of company policies, fraud, and embezzlement. She had access to confidential and personal info ( bank account numbers, social security numbers, passwords, etc ). We are currently completing our investigation and pressing charges. We suspect she and her finance fraudulently opened this account WITHOUT MY CONSENT. On XX/XX/XXXX, I discovered a pile of unopened mail in the drawer of her desk that I then proceeded to open the mail. I unfortunately discovered the unauthorized BMO account and debit card and called immediately to report the identity theft.
Consumer complaint received 2024-03-01
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc (TX)

I am filing this complaint because I have not received multiple Refunds from purchases at XXXX. I used the Debit Card Company Chime. Chime states they can not locate the transactions, it is suspected that the transactions are not located because the Merchant XXXX, charges a temporary hold on online transactions. 

Chime stated that the refund was processing from XXXX, it never arrived, I have been waiting patiently. 

I will attempt to attach the receipts from XXXX, Communications with Chime, and copies of the transactions on my Chine Account. 

I spoke with Chime 's customer service on XX/XX/XXXX, they could not assist me with locating the refunds. 

XXXX stated they Refunded transactions : {$140.00} XX/XX/XXXX {$58.00} XX/XX/XXXX {$53.00} XX/XX/XXXX {$66.00} XX/XX/XXXX {$47.00} XX/XX/XXXX {$280.00} XX/XX/XXXX The money is still missing from balance today.
Consumer complaint received 2017-01-03
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

There a couple or several inquiries being report by Capital One Auto, there inquiries are not mine.They were never may by me on the dates I see my credit being pulled.Someone else must have made these or you company access my information without permissible purpose.I had just recently bought a car and was approved on by XXXX, so I would not have had or appled for a new loan or refinance on these dates neither.This is damaging my report and dropping my score as well.Also inquiries can not be disputed thru the credit bureaus I have tried, they said I need to contact each company directly about them and that the company needs to send a letter to have them removed from my reports.
Consumer complaint received 2016-12-13
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I received an email asking me to contact the bank at its XXXX number on XX/XX/2016 It says to have restricted my accounts and if I do n't call within XXXX business days, they will close all my accounts. I called immediately and waited at least XXXX minutes. But no one from Capital One came on to talk to me. I finally gave up. I am afraid that if they close my accounts, all my scheduled payments will be declined and I will suffer a major financial distress. Please help.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CORELOGIC INC (TX)

I received my consumer report from this company and there are many violations of my rights as well as federal law.

Per 15 USC 6809 ( 4 ), nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution.

Per 15 U.S. Code 6802, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information. 
It is illegal to report transaction history therefore reporting inquiries and any transaction history with a financial institution is illegal. 

All inquiries being reported are to be deleted from this report as it is illegal. 
The collections account from XXXX XXXX XXXX XXXX is to be deleted as it is a violation of FDCPA to report an account without proper validation of debt. I have not been contact by this firm and they have no valid claim. 

XXXXXXXX XXXX XXXX  is reporting late payments which is a violation of federal law. Transaction history can not be reported on a consumer per the Privacy Act of 1974 and 15 USC 1681 and 15 USC 6802. 

A charge off is considered a certificate of indebtedness which is considered income to the IRS. Income is not reported on a consumer report so both accounts in charge off status, XXXX XXXX XXXX and XXXXXXXX XXXX, need to be deleted from this report. 

I did not give any of these companies consent to report any of this information. I never gave Corelogic the right to report any of this information using my identity.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (MD)

XXXX XXXX XXXX XXXX XXXX hard inquiries not authorized by me CBNA XX/XX/XXXX hard inquiries not authorized by me XXXX XXXX XX/XX/XXXX hard inquiries not authorized by me XXXX XXXX XX/XX/XXXX & XX/XX/XXXX Hard inquiries not authorized by me XXXX XXXX XXXX XX/XX/XXXX hard inquiries not authorized by me XXXX  XX/XX/XXXX hard inquiries not authorized by me XXXX XXXX XXXX XXXX XX/XX/XXXX hard inquiries not authorized by me XXXX XXXX XXXX not authorized by me XXXX XXXX XXXX XXXX different unauthorized hard inquiries not authorized by me