davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-21
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP (NJ)

I have opened a lease contract with XXXX XXXX XXXX through XXXX XXXX XXXX in XXXX NJ on XX/XX/2021. 
The financial manager whom finalized the sales with me pushed me to purchase an insurance for the cars tires at an additional cost of {$26.00} a month to be paid on monthly basis on top of the monthly lease of {$270.00} a month. 
He advised that insurance can be canceled upon my request at any time. 
When I called the XXXX XXXX XXXX, they mentioned that my contract doesnt show that I have any type of insurance therefore they advised me to contact the dealer, I went to the dealer to cancel the insurance, The financial manager advised me that insurance can be canceled but is not going to affect my monthly bill and I would still pay the cost of insurance of {$26.00} a month on top of my monthly bill which didnt name any sense to me and I think this something unethical. 
All what I need to cancel the insurance and my bill to be adjusted accordingly and my monthly bill be back to {$270.00} a month.
Consumer complaint received 2016-06-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Stearns Ventures, LLC (UT)

XXXX made 2 payments to my insurance company, one for {$610.00} and another for {$620.00} the second payment was without my knowledge. XXXX should have sent a second check for {$6.00} to make up the short amount. As a result of the second payment being made my mortgage payment increased. I have my payment set up on an automatic bill payment, and did not realize their mistake until I received a threatening letter that Loancare ( Sterns lending ) was going to start a foreclosure process. I call immediately and made additional payments to cover the increase escrow amount about {$120.00} and changed my future bill payment for the updated amount. I explained to the XXXX rep that I will not pay late fees for their mistake. The rep explained that I had to send my request in writing, which I did through email with no response. I 've I send another email that eventually I got a response that made absolutely no sense. I 've attempted to contact XXXX again multiple times by they do not have competent nor empowered representative to actually fix an issue. XXXX has charged me a late fee of about {$86.00} and have now charged another late due to the first disputed late fee not being paid of about another {$86.00}. Either XXXX is to incompetent to run an actual financial service company or the are deliberately corrupt, either way I 'm not having any success in getting them to correct my account and stop applying late fees and need help.
Consumer complaint received 2022-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

In accordance with the Fair Credit Reporting act ( FCRA ) ; XXXX has violated my rights. On XX/XX/2021 there was an unauthorized inquiry. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-01-18
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: Experian Information Solutions Inc. (FL)

I opened a secured " credit builder '' loan with XXXX XXXX for account XXXX reflected on my Experian file. 

The full amount of the {$1000.00} Original Balance was never received up front to me directly. A portion of this amount was available to me. {$400.00} or so. Then the rest, I made payments and at the end of the 12 month term, I would have access to the balance in it's entirety. I never received the other {$600.00} and XXXX XXXX has continued to report inaccurate information on my credit file. 

Status : Account charged off. {$960.00} written off. {$110.00} past due as of XX/XX/XXXX. 
How are you able to write off an amount of {$960.00} when the past due balance was {$110.00}? 
The original Balance for this secured loan was {$1000.00}. Again, those funds were never received in the full amount at the beginning of this loan as this was a " secured loan '', not a secured credit card, but a " secured loan ''. 

Experian reports in my 24-month payment history that the month of XX/XX/XXXX and XX/XX/XXXX the account remained in a " charged off '' status. How is it possible to remain in a charged off status when the last payment date is stated to be XX/XX/XXXX? 

This is inaccurate information reported. 

Furnishers must comply with federal regulations that identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Under these regulations, furnishers must complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ) unless the dispute is frivolous or irrelevant or comes from a " credit repair organization. '' Section 623 ( a ) ( 8 ).
Consumer complaint received 2024-05-15
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (IL)

After our previous complaint with escrow we paid our property taxes in full and submitted payment confirmation to freedome mortgage and again requested escrow be canceled. 
They have now paid our taxes and sent our escrow negative AGAIN and are stating we owe the negative balance. 

Confirmation of payment was submitted via email to XXXX XXXX, XXXX on XX/XX/XXXX and uploaded to the message center I received confirmation that these documents were sent to tax documents
Consumer complaint received 2021-05-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX BofA charged my account a fee. I asked for an appointment to determine the reason for the fee. The bank associate at XXXX XXXX  XXXX XXXX, XXXX XXXX, CA XXXX reviewed my entire account history to inception of XX/XX/XXXX and called me to talk about specific deposits made to an investment firm dated in XX/XX/XXXX. This is in no way related to my inquiry, and was done without my consent. This was a violation of my privacy. I have made several calls and complaints and received no return calls. My initial issue over the fee was not addressed or resolved.
Consumer complaint received 2021-01-22
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. (IN)

I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.
Consumer complaint received 2024-05-15
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (FL)

On XX/XX/XXXX, Synchrony Bank sent me a letter telling me that the XXXX XXXX card was going to be closed due to the score and other reports. When my score is in a good category, I don't see the sense that they are based on incorrect information. to close my account
Consumer complaint received 2020-05-16
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. (MI)

Equifax investigation did not fix the unathorized XXXX XXXX XXXX hard inquiry.I never once authorized XXXX XXXX XXXX to pull my credit for anything.Equifax response in there investigation was to call XXXX XXXX XXXX.Thats not the response i was looking for.Therefore, I never authorized XXXX XXXX XXXX to do a hard inquiry
Consumer complaint received 2024-03-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (VA)

On XX/XX/year>2023, my checking account at Chase bank was abruptly closed, with a balance of {$3500.00} at the time of closure. 
The bank didn't privide any reason for this action, and told me the money will be mailed back to me by check. However, it's already been 4 monthes and I still haven't get my own money. I talked with a chase branch clerk and he was also suprised by the action. However, it was said the money was under investigation and no clerks can do anything with the process. No one can help me to connect to the department in charge of the process, which is totally ridiculous. 
This caused big unconvenience to me as all my money was in that account. The situation is absolutely unacceptable! It's outrageous that Chase has arbitrarily closed your account without providing any valid explanation, leaving you stranded without access to your own money for months. The lack of transparency and accountability is utterly disgraceful. This ordeal has caused significant inconvenience and distress, and the fact that there's no clear pathway to resolution is infuriating. Chase must be held accountable for their actions and expedite the process of returning my funds immediately.
Consumer complaint received 2024-03-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION ()

I am a retired XXXX XXXX member now living in the XXXX. I tried to use a credit transfer service provided by Navy Federal ( in the US ) to help with my XXXX XXXX XXXX ( in the XXXX ) account, but it didn't work. This was over 2 yeas ago now. I have been in contact with all the financial centers involved, but have gotten no where. I asked for {$5500.00} ( which was charged to my NFCU Visa card ) to help clear some debit on my XXXX XXXX XXXX XXXX. NFCU sent a check to XXXX XXXX US which I do not have an account with. The check was deposited, but XXXX XXXX US can not help me as I am not a member and do not have an account with them. NFCU stated ( after the fact ) that they do not do credit transfers over seas, but part of the form I filled out requests the card number in question. The fact that XXXX US doesn't have an account in my name or that matches the card number provided questions why and where they have deposited my funds? XXXX XXXX XXXX have informed me that they have no notifications to say that funds are due to arrive.
Consumer complaint received 2024-02-12
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. (WI)

I requested for a Hard Inquiry to be removed from my Credit Report as I have no knowledge of this, and it was not my doing. The Hard Inquiry in question is the listed XXXX XXXX, requested on XX/XX/2023.
Consumer complaint received 2024-04-11
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: EQUIFAX, INC. (IL)

In XXXX the investigation was proven that the XXXX late payments that were reported to all XXXX credit bureaus were inaccurate. It was supposed to be corrected on my credit report after XXXX  days but my credit score has not increased. The late payments were removed within that month but my XXXX credit bureau scores did not change. This investigation happened with XXXX XXXX.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Due to my tenant at my rental property being late I had to pay for y mortgage at the rental property and my rent in XXXX which put me in a bind. So I called my car company for a deferment which I was approved for to go on the back end. I was not informed that it would incur a late payment on mu credit. I called to get help at XXXX  and due to their miscommunication I seen that I got a late payment on my credit. I would have never opted for this payment arrangement. They would not pull the call of my conversation with the representative to hear that I wasnt told that with the deferment there would incur a late payment. I would have never done this. I have tried to talk with them But they have not tried to help me fix this. They need to do a better job with telling their customers about this could happen under the payment arrangement. This has not helped me fix my credit which I am working on. I was trying to prevent a late payment occuring. This late payment dropped my credit down XXXX points. Under the arrangement I was told to pay {$440.00} on XX/XX/XXXX {$290.00} on XX/XX/XXXX. Regular payments start back up on XX/XX/XXXX. I made the payment of my XXXX on XX/XX/XXXX to end my payment arrangement because it hurt me more than helped me. Thai complaint is with XXXX XXXX
Consumer complaint received 2024-01-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: EQUIFAX, INC. (TX)

Here is the deal I have debts with XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and a couple more. That were done by my XXXX ex husband. He took all my identity cards, he got so many things on my credit that I didnt approve sometimes not even know. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX he destroyed two cars on this report. He got an ex and then let it get repo a month later. He got a stereo system on my credit. Clothes, phones all sorts of stuff I have reported to cops, I have reported to the credit people. I need help. This is not fair that he has literally destroyed my life, body, mind and credit.
Consumer complaint received 2017-01-26
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I submitted numerous complaints in regards to Bank of America. I sumitted numerous documents demonstrating that I was not the party that applied for a credit card with this organization. I had no knowledge of this debt. The address that I found out was on the application after submitting my complaint, it is an address that I have not resided at in approximately 20 years. I have provided Bank of America that information. I have provided my mortgage document from XXXX to show where I resided and it had my signature to show it was different signature from the application. Then I inquired why Bank of America did not contact me prior to verify if I was applying for a credit card as I have a fraud alert on my credit report. Then they claim they did and the phone number they stated was never my phone number. Then they stated something in reference to XXXX XXXX, I have provided a letter which XXXX XXXX determined this to be a fraudulent account after their investigation. Then Bank of America states about payments, I never wrote any checks or authorized any debits to my account. I keep informing this company XXXX or XXXX when they authorized this card, I had my spouse and son battling XXXX this was my focal point, I never opened or knew anything in regards to this card until after they unfortunately passed and discovered this debt on my credit reports. I tried to correspond with XXXX who was the last party I corredponded with, she did not respond to my emails or calls. Which I emailed this XXXX letter to XXXX as well. I indicated that I attached the XXXX letter as that was mentioned and I provided the letter to show the account was also a fraudulent account and XXXX determined that after their investigation in XXXX. Bank of America submitted this fraudulent debt to IRS as a charge off and I am being held liable for a debt in which I had no affiliation with. I briefly spoke with an attorney who advised me to submit the letter from XXXX to see if the organization will release liability. If Bank of America will not release me of liability when I have proven over and over with documentation that I did n't apply for this card, I have to seek legal represent. I ca n't continue to go through this and be held for a debt in which I am not liable for. I would n't continue to go through this back and forth if I were n't being honest.
Consumer complaint received 2024-05-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MN)

My complaint is against Venmo. I've been interacting with them for XXXX  months and provided a large amount of data as they requested. Venmo transferred {$2200.00} to XXXX XXXX Headquarters for the purchase of a used engine. I did not get what I ordered and sent back the item. The merchant will not communicate with me so I requested Venmo retrieve my funds. Venmo closed my case XXXX times, the most recent closure was yesterday. They stated case does not meet the definition of " Significantly Not as Described. '' Venmo went through the motions of trying to retrieve my funds but following most interecations with them, told me I didnt have enough of or the correct type of information. My original transaction was XX/XX/year> for {$2200.00}. As of today I have no money or goods. 
I have uploaded a significant of of data. Venmo has had this data for quite some time. It is concise and clear. I will provide you with any additional information you deem as helpful. XXXX
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TomoCredit Inc. (GA)

There is an account on my credit report that is not mine nor did I authorize anyone to report it to my credit report. It is the TomoCredit Inc credit card account. According to the FCRA 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 also states a consumer reporting agency can not furnish an account without my written instructions. I want the TomoCredit Inc account removed from my credit report immediately.
Consumer complaint received 2024-05-11
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Resurgent Capital Services L.P. (IL)

Subject : Complaint Regarding Continued Contact by LVNV Funding LLC Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a concerning issue involving LVNV Funding LLC and their persistent communication with me after I explicitly requested them to stop. The collection account reported by LVNV Funding LLC on my credit report, dated XX/XX/2024, pertains to an open account with a balance of {$840.00}, originally held by XXXX XXXX XXXX  XXXX XXXX. 

Despite my clear and direct request for LVNV Funding LLC to cease all communication with me regarding this collection account, they have continued to contact me via phone calls and written correspondence. This ongoing contact has caused me significant distress and frustration, as I have made it unequivocally clear that I do not wish to be contacted further about this matter. 

The repeated attempts by LVNV Funding LLC to reach out to me after I explicitly asked them to stop violate my rights under the Fair Debt Collection Practices Act ( FDCPA ). Their actions have not only disregarded my request for cessation of communication but have also disrupted my peace and privacy. 

I am requesting the Consumer Financial Protection Bureau to investigate this matter and intervene on my behalf to ensure that LVNV Funding LLC complies with the FDCPA regulations. I seek your assistance in addressing the unauthorized and persistent contact by LVNV Funding LLC and in taking appropriate actions to stop these communications immediately. 

I appreciate your prompt attention to this complaint and your efforts in resolving this issue. Please keep me informed of any actions taken and the outcomes of the investigation with LVNV Funding LLC. 

Thank you for your assistance in protecting consumer rights and enforcing fair debt collection practices. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-10
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (IL)

I have an account with synchrony via Ashley furniture. They recently informed me that they were going to start charging me {$2.00} a month to bill me. When I tried the steps to remedy on their website, the account couldn't access my account information. This has been unchanged for weeks. A company trying to collect money should not be able to charge the customer for sending a bill. Then when trying to not incur these charges the steps you are instructed to follow do not work. I have a feeling this is by design.