davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-11
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST NATIONAL BANK OF OMAHA (NY)

Last year, I opened a credit card without realizing there was a membership fee associated with it. When I contacted the credit card company at that time, they informed me that it was too late to cancel the card, and I would still be required to pay the fee even if I canceled the card. They advised me that I could opt out of renewing the membership the following year. Today, I noticed that the annual membership fee was posted on my phone app once again, with a due date of XX/XX/XXXX. Upon contacting the company, I initially spoke with XXXX, who explained that while she could cancel the card for me, she could not waive the membership fee, even if I chose not to renew it. Requesting to speak with a supervisor, I was transferred to XXXX, who stated that she was the highest authority I could reach. Despite my explanation of the previous year 's conversation, she reiterated the company 's policy and declined to waive the fee, citing banking regulations. This appears to be a recurring issue where customers have limited options to halt the renewal process and are consequently charged the membership fee.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Avant Holding Company, Inc. (CA)

Avant Credit Card closed the account. 

This closed account has caused pain and suffering and I will take it to arbitration if one is one file I dont know because company wont help me that they just account closed and payment. I have to hire a lawyer to sue for the damages that harm me and my family.

Accordingly to 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- Creditors did not have permission to share non public personal information with affiliates and non-affiliate third-parties or a opt out option which I am now opting out.

Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

This is a violation of my privacy under the privacy act 1974 and is a {$1000.00} per violation.

The Privacy Act of 1974 is a federal law that governs our collection and use of records we maintain on you in a system of records. A system of records is any grouping of information about an individual under the control of a Federal agency from which information is retrievable by personal identifiers, such as name, social security number, or other identifying number or symbol. Under the Privacy Act, Federal agencies may not disclose information without consent unless certain exceptions apply to the disclosure. The Privacy Act provides protections to individuals in three primary ways. It provides individuals with : the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information Please send {$1000.00} for the violation you can send a check in the mail to the address you have on file please thank you.
Consumer complaint received 2024-03-10
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: PLANET HOME LENDING, LLC (FL)

Planet Home Lending , LLC : not applying/ processing my mortgage loan payments correctly. This is a repeated issue that Im STILL experiencing. 

I received this response on Saturday, XXXX XXXX XXXX via USPS Priority Mail : you applied my XXXX XXXX mortgage loan payment in the amount of {$1200.00} to the loan as the XXXX XXXX monthly installment and you applied my XXXX XXXX mortgage loan payment in the amount of {$1200.00} to the loan as the XXXX  XXXX  monthly installment. ( This is incorrect. ) My check is CLEARLY dated : XX/XX/XXXX and the amount of the check is {$1300.00} not {$1200.00} which further CONFIRMS that you are STILL not applying/ processing my mortgage loan payments correctly. ( front and back copies of the checks provided ) Every month you receive a payment, but my mortgage loan payments are being improperly applied. 

Example : Check Dated : XX/XX/XXXX mortgage loan payment was a partial payment in the amount of {$1000.00} On XX/XX/XXXX an ACH payment in the amount of {$110.00} was made. 
On XX/XX/XXXX an ACH payment in the amount of {$1100.00} was made. 

Thats two payments you received for the month of XXXX, but HOW youre applying the mortgage loan payments is the issue. My mortgage loan payment was set for {$1000.00} and I understand that its a partial payment because I didnt include the increase for the insurance ( {$110.00} ), BUT that also doesnt equal an additional mortgage loan payment. 

If youre calling me and telling me I owe {$110.00} for my insurance and I pay it via ACH, but almost 2 weeks later you reach out stating I owe an additional mortgage loan payment for {$1100.00} and I pay it via ACH. 

And youre still telling me I owe for an additional mortgage loan payment? Not to mention the late fees that you're adding. Its not me. It's HOW my mortgage loan payments are being applied/ processed. 

My financial institution, XXXX XXXXXXXX XXXX is only issuing one payment for each month. If you receive a payment at the end of the month, the check is for the XXXX XXXX XXXX XXXX I can provide front and back copies of ALL mortgage loan payments since the increase of my insurance and adding up the insurance & late fees for the months I paid {$1000.00} do not tally up to additional mortgage loan payments for {$1100.00} and currently {$1200.00} which is why Im saying that this repeated issue that Im currently experiencing has everything to do with you not properly applying/ processing my mortgage loan payments and its beginning to look and feel like deceptive and unfair tactics. 

You also included with your priority mail 2 mortgage loan statement : You included copies of 2 mortgage loan statements one for XX/XX/XXXX. That states overdue payment : {$1200.00} and regular monthly payment : {$1200.00} = Total Amount Due : {$2400.00} The other statement for XX/XX/XXXX. That states overdue payment : {$1100.00} and regular monthly payment : {$1200.00} and {$120.00} ( fees and charges? / for what? ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Meridian Financial Services, Inc. (MN)

My fianc and I are looking into a lawsuit against XXXX XXXX XXXX XXXX From the very beginning XXXX XXXX XXXX XXXX XXXX XXXX we have been trying to cancel with XXXX XXXX XXXX XXXX after being deceptively signed up for a contract and credit card. They would not let us cancel even when we were within our contract guidelines so we hired a company called XXXX XXXX XXXX and paid them {$4100.00} for them to cancel our contract and they told us to completely stop all contact with XXXX and any collection agencys over 2 years ago. Since then, XXXX has sold debt to a company called Meridian ( a debt collector ). After finding out that our account is in collections we let XXXX know and they are offering a service for an additional {$1500.00} that includes lawyers services XXXX XXXX XXXX XXXX XXXX )! After doing more research into this, we are finding that these services are all a scam, and that companies similar to XXXX  are suing XXXX XXXXXXXX XXXXXXXX XXXX and XXXX XXXX XXXX for misleading consumers into thinking that it is okay to just stop paying your monthly and yearly payments. Something is seriously wrong here and this has turned into a nightmare. We have 2 different collections on our credit reports but both from the same collector. One from XXXX XXXX XXXX for {$1800.00} and another from XXXX XXXX XXXX XXXX for {$18000.00}. We have been in contact with both and they are saying they can not help us because they do not do business with XXXX XXXX XXXX XXXX because they did some very shady things.. The debt collector has been stalling for 2 weeks now and is not able to help us at all. If anyone has any advice on what we should do it would be amazing. We have been back in contact with XXXX XXXX XXXX XXXX and are being told to talk to their lawyers due to the fact the XXXX XXXX XXXX XXXX no longer does business with with XXXX XXXX XXXX XXXX. This is a MAJOR SCAM AND FRAUDULENT ACTIVITY IS HAPPENING!! We are at {$26000.00} in DAMAGES thus far.
Consumer complaint received 2020-05-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (PA)

On XX/XX/2020, I sent {$60.00} via PayPal to secure a space in a craft show. Later I found out that it was a scam ; the show does not exist. PayPal says they can do nothing because I authorized the withdrawal. The person I sent the money to, XXXX XXXX, XXXX, misrepresented herself with a fake XXXX account, and advertised her fake event in an online crafters forum. I have contacted her, and she said shed refund the money, but she has not. Can anything be done?
Consumer complaint received 2020-05-23
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: Eagle Accounts Group, Inc. (NY)

THESE ARE THE ACCOUNTS THAT ARE FRAUD 1. CHILD SUPPORT ENFORCEMENT  XX/XX/XXXX {$44000.00} 2. XXXX XXXX XXXX {$270.00} AND A FRAUDELENT INQUIRY 1. XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (NY)

I have recently discovered that my social security number has been compromised, and I am taking immediate action to resolve the issue and prevent any fraudulent accounts from being created in my name. I have placed a notice on my credit report, instructing not to open any accounts without first contacting my personal number to verify my identity. I did not authorize them to perform hard inquiries on my credit report On two different occasions SYNCHRONY BANK XX/XX/2024 XX/XX/2024 XXXX
Consumer complaint received 2024-03-10
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: CAVALRY INVESTMENTS, LLC (IL)

In XXXX XXXX XXXX I called Cavalry Portfolio Services to discuss a 1099-C ( discharge of debt ) form that was accepted by the IRS. Cavalry informed me that they have no knowledge of the 1099-C form and also that they are no longer responsible for the debt. 
I asked them to confirm that if i wanted to settle the debt with them, would they be able to accept payment and close out the debt, they said NO, I would no longer be able to settle debt with them because this debt has been transferred to another debt collection agency. 
I asked them why are they still reporting against my credit if they are no longer responsible for my account and they said they couldn't discuss the debt on my account because they no longer handle the account. 

I've never received a letter, email or phone call from the new creditor XXXX XXXX XXXX to this day and recently I recognized a credit inquiry from XXXX XXXX XXXX that I did not authorize. This violates 15 USC Code 6802 Obligations with respect to disclosure of personal information states a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice. 

I emailed XXXX XXXX XXXX on XX/XX/XXXX and still have received no form of communication from them. Per FCRA 611 ( a ) ( 2 ) ( b ) The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer. 

I disputed the debt reported by Cavalry Portfolio Services to all 3 credit bureaus ( XXXX, XXXX, XXXX ) and Cavalry responded to all 3 bureaus validating the debt as valid and correct. The same debt that they will talk to me about over the phone or accept payment because they no longer " handle the account ''. 

Cavalry Portfolio Solutions XXXX XXXX XXXX XXXX are not only deceiving me but also the credit bureaus and directly destroying my credit score by reporting false negative debt. The negative information associated with this invalid debt is damaging my credit score and ability to obtain financing.

Cavalry Portfolio Solutions is actively reporting negative debt that they are no longer the collectors of. XXXX XXXX XXXX has not responded to my validation letter and is not the collection agency reporting the debt. I have 1 debt and am being tossed back and forth between 2 collectors. 

I never signed any agreement or promise to pay Cavalry Portfolio Solutions or XXXX XXXXXXXX XXXX.
Consumer complaint received 2024-03-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (NC)

In response to XXXX XXXX XXXX XXXX XXXX XXXX ' XX/XX/year> Statement to me through my small business, XXXX XXXX XXXX on Account ending ... XXXX, I paid the full amount of the charges due in the sum of {$1800.00} by check No. XXXX dated XX/XX/year>. 

Subsequently by a series letters Barclays ' denied that the {$1800.00} payment had been made and requested proof. 

In response, I sent them a copy of the front and back of cancelled Check No. XXXX as well as an enlarged copy of Barclays endorsement which appears on the back of the check. 

According to the endorsement the funds were electronically deposited XX/XX/year> in Barclays account # XXXX, XXXX : XXXX. I also provided a copy of XXXX XXXX XXXX XXXX XXXXXX/XX/year> bank statement which showed that the {$1800.00} check had cleared XXXX XXXX XXXX ' bank account on XX/XX/year>.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Avant Holding Company, Inc. (TX)

On XXXX XXXX XXXX the amount of {$920.00} has been reporting as **charged off I never received a 1099c form from this creditor The company is AVANT LLC/WEB BANK
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: I.C. System, Inc. (CA)

Dear Consumer Financial Protection Bureau, I write to you with grave concern regarding potential violations of consumer rights and unlawful debt collection practices perpetrated by the Collection Company. It has come to my attention that the Collection Company has engaged in unauthorized and unverified collection activities, resulting in unwarranted negative entries on my credit report, thereby impugning my financial integrity and reputation. 

The actions undertaken by the Collection Company raise serious questions regarding compliance with federal laws, including the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), both of which are designed to protect consumers from abusive debt collection practices and ensure the accuracy and integrity of credit reporting. 

Specifically, the Collection Company has failed to provide substantiation or validation for the purported debts it alleges I owe. Despite repeated requests for documentation supporting the validity of these debts, the Collection Company has demonstrated a lack of transparency and accountability, in clear contravention of the mandates outlined in the FDCPA. 

Furthermore, I am deeply troubled by the manner in which the Collection Company has obtained and utilized my personal information without lawful authorization. The dissemination of derogatory and unsubstantiated credit reporting entries without proper validation not only violates the FCRA but also compromises fundamental principles of consumer privacy and data protection. 

It is imperative that the Collection Company be held accountable for its actions and be required to furnish irrefutable evidence substantiating its legal authority to collect debts purportedly owed by me. This necessitates the provision of a bona fide collection contract or agreement, authenticated by both parties and compliant with legal requirements for the assignment of debt collection rights. 

Moreover, I categorically refute any assertion of indebtedness to the Collection Company, as I have neither entered into contractual obligations nor consented to remit funds to this entity. The absence of a lawful agreement or valid authorization renders any claims of indebtedness spurious and devoid of legal merit. 

In light of the foregoing, I urge the Consumer Financial Protection Bureau to initiate a thorough investigation into the Collection Company 's practices. XXXX and decisive action is necessary to safeguard consumer rights, rectify the injurious consequences of unlawful debt collection practices, and ensure compliance with federal laws. 

I am prepared to provide any additional information or documentation necessary to facilitate a comprehensive investigation into this matter.
Consumer complaint received 2024-03-09
Product: Debt collection — Credit card debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: TrueAccord Corp. (FL)

This is a credit card debt with XXXX XXXXXXXX XXXX  debt collection is from True accord but was XXXX XXXX debt was in 2016 but I know it was earlier so there is a statue of limitations in Florida XXXX years and before the email they called me too so I do t want anymore emails or phone calls can you help. 





Thank you XXXX XXXXXXXX XXXX
Consumer complaint received 2024-03-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (FL)

Opened account with Wells Fargo, XX/XX/XXXX, the website gave me two options to open the account, in office or online, and had the offer real big on that page for the {$300.00} and I even read through to the terms so I knew what to expect and continued on their website to open the account and then called ( same day ) to ensure Id have the promotion, ( there was no place to enter the promotion code ) the lady said it would be on account after the initial 30 days, called again and again and again, everyone confirmed I would the promotion, and had to wait until first week XXXX and no bonus so I called the first week and the agent told me the deposit of the promo would be made this month due to it being past the 90 day window and then n XX/XX/XXXX I get a letter saying I didnt click on the link to open the account on the webpage, oh yes I did and it gave me a code BUT when I went through the application it never gave me a place to enter the code but definitely opened my account, I knew something was wrong and thats why I called the very first day and have been calling. They scammed me and have been lying to me buying more time for me to have my account open. Now I want the {$300.00} promotion as promised! Just spoke to another woman XX/XX/XXXX and she spoke to a supervisor and they say that they can not backdate this to get me the promotion and want to transfer me to another department to file a complaint, I said sure I am definitely pursuing this as I have spoke to so many people in this company who assured me I would have that promotional deposit this month and still dont. This is false advertising and fraud! I want my promotion.
Consumer complaint received 2024-03-07
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Post Lake Lending Inc. (CA)

I borrowed {$1000.00} from this company and they are trying to make me repay {$7100.00}. I made 6 payments of {$270.00} totaling {$1600.00}. And now they have sent a letter to my company to garnish my wages.
Consumer complaint received 2024-03-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

My husband and I share a credit card and we each have XXXX in our own names that we use all the time. We created Venmo accounts in 2020 using our card and a few months later Venmo froze our accounts because we used the same card. We've been trying to delete/deactivate our accounts for XXXX years since then and have given Venmo photos of our ID, bank statements and credit cards showing our names and account numbers. They even made me send a selfie of myself with my ID card. They WILL NOT close my account even though I have provided above and beyond all the information they requested. I've asked to talk to managers and they will not answer me. I believe this has to be some kind of privacy violation for a company to not close a financial account that I have requested to be shut down. Can you help me get my account closed and reprimand Venmo for this violation?
Consumer complaint received 2022-07-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

According to 15 use 1681b section 2, the consumer reporting agencies can only furnish a consumer report under the written permission of the consumer whom it's relating to. My permission was not given. This is aggravated identity theft.