davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: GOLDMAN SACHS BANK USA (AL)

I am writing to formally express my concern regarding the treatment my mother received when attempting to access support for her Goldman Sachs Apple Card account. Despite my presence as an authorized user on the apple shared credit card account, the representatives refused to assist her due to language barriers. This refusal has created unnecessary stress and frustration for both of us. 

When I requested that a representative provide translation assistance, I was met with a dismissal of my request, citing company policies. This approach not only undermines my mother 's rights as a customer but also raises concerns about compliance with federal laws regarding language access. 

Under XXXX VI of the XXXX Rights XXXX XXXX XXXX  entities that receive federal funding are prohibited from discriminating based on national origin, which includes language barriers. Furthermore, the Equal Credit Opportunity Act ( XXXX ) prohibits discrimination in credit transactions, suggesting that companies should make reasonable efforts to accommodate customers who may face language challenges. 

The inability to provide adequate assistance to my mother, despite my efforts to facilitate communication, seems contrary to these legal protections. I believe it is essential for companies like Goldman Sachs to foster an inclusive environment that accommodates all customers, regardless of their language proficiency. 

I urge your team to review this situation and consider implementing policies that ensure better support for XXXX speakers. Everyone deserves access to the services they require, and I hope to see improvements in this area moving forward. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (TX)

I got a loan to pay off my credit card. The loan company mailed a check to Discover Card to pay off the balance of under {$500.00}. Discover posted the payment to the account on XX/XX/year> but never updated the balance on my card. When I called, they said they had put an 8 day hold on the payment and they couldn't release it because the check came from the loan company and not me. This hold is insane when Discover deposits this check to the bank the bank can't place a hold of 8 days on all of it. Per REG CC guidelines Delaying Funds Availability For certain types of deposits, Regulation CC permits financial institutions to delay, for a " reasonable period of time, '' the availability of funds. A " reasonable '' time period is generally defined as one additional business day ( making a total of two business days ) for on-us checks, and five additional business days ( total of seven ) for local checks ; your institution may impose longer exception holds, but you may have the burden of proving that they are " reasonable. '' The six types of deposits that are eligible are 1. Large Deposit {$5500.00} - does not apply to this payment 2. Redeposited checks- does not apply to this payment 3. Repeated overdrawn - only applies if Discover constantly overdraws their account.

4. Reasonable cause to doubt the collectability. - does not apply to this payment 5. Emergency conditions- does not apply to this payment 6. New Customer - only applies if Discover opened a new bank account to deposit this payment into. 

So, by law the bank Discover deposited this payment to is required to make the fund available to them within 2 business days. They are holding this payment for under {$500.00} 8 business days which is beyond anything the bank could do for a deposit less than {$5500.00}. Imagine going to a grocery store to buy groceries paying with a check and being told you can come pick up your groceries in 8 business days because we are putting an arbitrary hold on your payment. 

Discover Card should use more common sense when processing payments instead of irrational policies. This check came from a credible company. It is for a small amount. They should apply the same reasonability test that banks use when they place holds on checks. 

The law should be changed to cover credit card companies also, so they are required to make funds available in reasonable time periods.
Consumer complaint received 2024-09-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R.T.R. Financial Services, Inc. (NY)

I suddenly received multiple bills from XXXX ( XXXX XXXX  XXXX XXXX ) AND RTR Financial services Inc. with no explanation of services or dates of service. One very large bill for {$1800.00} was from 7 years ago when my son was in the hospital. I never received that bill or any bills until this year. I finally after several requests got an itemized receipt for that bill. Are companies allowed to suddenly bill you after many years or is there a statute of limitations? Its a financial shock to receive multiple bills in the thousands of dollars at once. I hope the consumer has some rights here! 

I also received 3 other bills with no explanation of services or dates. I have called and spoken to the billing department of both companies many many times requesting itemized bills. I did pay one of the bills in the amount of {$440.00} because they did send an explanation of services with corresponding dates and i thought I was responsible. However Im still waiting on itemized bills for a {$640.00} bill and a {$340.00} bill. I have spoken to the companies about a dozen times. I dont want this to affect my credit but I think these companies are operating unjustly. I would appreciate advice and assistance as to my rights. Thank you!
Consumer complaint received 2024-09-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (VA)

In XXXX, XXXX, I obtained a mortgage loan on a new house from XXXX XXXX XXXX, which immediately transferred the loan to another mortgage company, Specialized Loan Services ( SLS ). I set up automatic payments of the full amount due, {$2600.00}, which were paid no later than the XXXX of the month ( I don't receive my retirement account distribution until the XXXX, and sometimes it is delayed a day or two because of weekends or holidays ). In XXXX, XXXX I believe, SLS merged with Newrez, which took over my mortgage.This caused a problem that resulted in a negative comment on my credit report - my score for all three reporting agencies had been around XXXX or higher until this event occurred, now it is under XXXX and adversely affecting my ability to refinance with a better interest rate. Rather than deducting {$2600.00}, on XX/XX/XXXX Newrez attempted to withdraw {$2900.00}, which is {$240.00} more than the correct mortgage amount. Since I had not been notified of the difference, I had not covered the additional amount in my checking account, and the transaction was declined. From what I can see, on XX/XX/XXXX, my bank ( XXXX ) paid Newrez the {$2900.00}. However, from the Newrez point of view, since they had refunded the automatic withdrawal transaction without notifying me in a meaningful way, I had not paid my mortgage. From my point of view, I had paid my mortgage on time, even though I had paid {$240.00} more than I was required to pay. It is my understanding that when a mortgage is transferred, the new company is not allowed to charge a different amount for the mortgage than was previously paid. I of course will immediately make this current, but I believe this was due to an error in communication- it was not an attempt to make a late payment. Nevertheless, this adverse comment on my credit reports has caused a significant drop in my credit score, something that has been consistently very high until Newrez charged me the wrong amount and then reported that I was always a month behind. I might never have noticed, except when I went to refinance my high-percentage mortgage, my mortgage consultant told me of the drop in my credit score.
Consumer complaint received 2018-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I have had a Capital One Platinum Card since XX/XX/2018. Since then I have made at least 9 payments, and while I use the card I pay completely on a regular basis. They have a step program for a credit line increase ( make 5 on time payments and receive a credit line increase guaranteed ) of which I have met. I can see the tracker on my online account. We are now approaching over a month in which my increase says it is still in process. Per Capital One I have met all the criteria, when I have called on 3 occasions, they have told me 3 different answers, and have lied at least twice. I have been told to wait, to request increase, and also spoken with a supervisor, all of which has not helped to process the increase that Capital One as acknowledged that I have earned PER THEIR OWN POLICY. I believe Capital One is projecting a false narrative, providing false documentation, and not honoring their own policy. Furthermore they advised me to manually apply for increase, and guaranteed increase ( recorded phone call ) which did not result in increase and constituted a credit hit whether soft or hard on my report ( detriment to my score ).
Consumer complaint received 2024-09-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Adjustment Co XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear [ Consumer Adjustment Co ], I am writing in response to your notice of debt collection. Under the Fair Debt Collection Practices Act [ FDCPA ], I am request that you validate this debt. I request proof that it is accurate and legally enforceable. 

Please provide the following information : 1.The name and address of the original creditor.

2. The amount of the debt, including any interest, fees, or other charges.

3.Proof that you are authorized to collect this debt on behalf of the creditor.

4. A complete and itemized history of the debt, including the date of the original transaction and any payments or adjustments made since.

5.Verification that the statute of limitations for this debt has not expired.

6. Copies of any paperwork that shows I agreed to pay what you claim I owe. 


Please note that I am disputing the validity of this debt and requesting that you cease any collection activity, including reporting to any credit bureaus, until the debt has been properly validated. 

In accordance with the FDCPA, please consider this letter as a formal dispute and request for validation. I request that you respond within 30 days of receiving this letter. 


Thank you for your attention to this matter. 

Sincerely XXXX XXXX
Consumer complaint received 2024-09-20
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (MD)

Collections from Hunter Warfield for XX/XX/year>. I called Hunter Warfield to provide me the contract or debt and received nothing. Debt is not mine and this is a case of mistaken identity. I have disputed this collection on XXXX and XXXX.
Consumer complaint received 2024-09-25
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: JPMORGAN CHASE & CO. (MD)

This is a corporate credit card and it was paid late by an employee that was terminated. This is gone against my personal credit and has not affected my corporate Credit. 
I explained the situation that the employee knew they were being terminated and did not pay bills so we had scramble to get things paid and have never been late any other time. 
I dont know why my corporate account is affecting my personal credit score
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Prosper Marketplace, Inc. (MI)

Loan paid off in full on XX/XX/year>. Loan had been paid on the XXXX XXXX XXXX XXXX. At payoff, I was assured there would be no negative credit reporting. 

The account is now reported as XXXX XXXX  late. This is false information.
Consumer complaint received 2018-08-17
Product: Credit card or prepaid 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: TD BANK US HOLDING COMPANY (MA)

I lost my credit card on my way to XXXX. As soon as I got there, I canceled the card and asked for an emergency replacement card under the terms of my XXXX agreement, as follows : The following statement was taken from the XXXX web site : If your card is lost, stolen, damaged or compromised, we will work with your financial institution to approve and expedite the delivery of an emergency card to you. XXXX XXXX XXXX XXXX XXXX XXXX are on stand-by. Call us toll free ( XXXX ) or call one of our global toll-free-numbers. 

I tried over and over again for 7 days to get a replacement card. XXXX could only tell me that TD Bank had not yet approved it. TD Bank said it was waiting approval. After a week, TD Bank said my request was denied and was unable to provide any reason for the denial, or any person who could explain it. This seems totally wrong for a person who has not had any late payments in over 25 years and has an XXXX credit rating to be treated this way. If they had provided a reason, I could have corrected any misinformation they may have had, and gotten the replacement card. 

As a result of TD Banks refusal to replace my credit card, I was later erroneously charged {$330.00} from a car rental company who was never willing to provide me with a car. 

When I returned from XXXX, I contested the charge for the rental car and {$330.00} was taken off my bill on XX/XX/2018, after which I sent TD Bank 3 different sets of information supporting my chargeback claim. 

On XX/XX/XXXX, the charge was reposted to my account. I was about to file a formal complaint at that time, but on XX/XX/XXXX, I was sent a letter stating that the dispute was resolved in my favor. However, to this day, they have refused to credit back my {$330.00}. It has been 23 days since the dispute was resolved in my favor. I called on XX/XX/XXXX and was told I would have to wait another 3 or 4 days. 

Today ( XX/XX/18 ), I spend an hour on the phone trying to get an answer. The answer I got was infuriating. I was told We made a mistake and you will get your refund within 14 days. That would be a total of 37 days that they have been holding my money without justification. I also have no reason to believe that they will honor the 14 day commitment. 

When I asked to speak to a supervisor, I was told that none were available, and one would call me back in 24 to 48 hours. I find this totally unacceptable when a charge appears on my account in less than 5 minutes, but it takes 37 days to return my money that they have because of their mistake. I was forced to pay them this money to avoid finance charges. 

So, I am asking for the immediate return of my {$330.00}, and that they pay a penalty to you or me for misappropriating my money and violating the terms of my XXXX agreement.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (DC)

In accordance with The Fair Credit Reporting Act these creditors has violated my rights under 15 USC 1681 section 602, which states the right to privacy. 15 USC 1681 states section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end Consumer Credit plan as late for any purpose.
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (VA)

I am writing to request the immediate removal of an unauthorized inquiry from my credit report. The inquiry in question does not belong to me, and I did not authorize anyone to access my credit information. 

Upon reviewing my credit report, I noticed an inquiry listed under my name from XXXX XXXX and XXXX XXXX. I have no prior knowledge of this company, nor have I engaged in any business or authorized them to access my credit information. Therefore, I believe these inquiries are erroneous and should be removed from my credit report. 

Here are the credit inquiries that I want to be removed : XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX BANK INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX BANK INQUIRY DATE : XX/XX/XXXX. XXXX REMOVAL DATE : XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-09-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Phoenix Financial Services LLC (CA)

I began to hear from this debt collection company called Phoenix through phone calls in early XXXX saying I owed a debt from a company called XXXX XXXX XXXX for an ambulance in the year XXXX. I do not recall having an ambulance transport me in XXXX and if they did and I forgot, I do know why I should ever have owed such a debt because I have always had medical insurance and assume the company should have billed my insurance, which I always provide when asked. If I was unconscious or something I assume the original company would have called or written me asking for insurance information I asked several times for the company to provide me with a written statement stating what the bill was for so I could endeavor to discover whether I owed this bill, because in XXXX I went through bankruptcy and discharged all existing medical debt that I was aware of. 
At no time have I ever received the requested information. On XX/XX/XXXX I became aware that this company had reported the outstanding debt they claimed to a credit reporting agency severely reducing my credit rating. On XX/XX/XXXX I called and had a conversation with a rep from Phoenix Financial Services ( XXXX ) XXXX from XXXXXXXX XXXX XXXX time to XXXX XXXX. The rep who answered the phone flatly refused to provide any information about the debt saying it had already been provided to the address on file, which I confirmed was the right address but have never received any information about this debt at this address. I told the rep that it is their responsibility to provide me with evidence that the debt was incurred. They said no, it was my responsibility to provide evidence that the debt was not incurred. I asked how one can provide evidence of a null in that way? They said it required that I make a complaint of identity theft. I stated that my complaint was not identity theft but rather that they did not provide enough information for me to try to track down whether I really owe this debt or not, which would depend on 1 ) verifying that the incident occurred which I have no memory of, 2 ) whether if so, the provider appropriately first billed my insurance rather than just billing me, and 3 ) whether the debt was discharged in bankruptcy.

I believe this company is not behaving appropriately as a debt collector.

1. Not providing suffiicient information and in writing about the debt despite my requests.

2. Billing me for something that may never have existed, or if it actually did and I was not conscious at the time, should have been something billed to my medical insurance or have been discharged in bankruptcy in XXXX, and reporting it to a credit reporting agency illegally. 
3. Demanding that I make a complaint for identity theft which is not my complaint and otherwise refusing to remove this from my credit report.
Consumer complaint received 2024-09-24
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO. (VA)

I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ). I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignment of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute that validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One Auto has Breach of Contract of a Cease and Desist order that is currently in place Fair Credit Reporting Act ( FCRA ) in the United States. This act regulates how consumer information is collected, shared, and reported, including transaction history. It protects consumers by ensuring that their financial data is accurate and that they have rights to dispute inaccuracies. Additionally, certain privacy laws may restrict the sharing of transaction details without consent. 15 U.S.C. 6802 violation and reporting transaction history to credit reporting agencies such as XXXX, XXXX XXXX are not affiliates and are considered third party agencies Also they are starting they have lien on vehicle when the UCC 11 search for Texas shows no lien under my name for a lien to be valid and enforceable, it typically must be recorded or filed with the appropriate governmental authority, such as a county clerk or recorder 's office. This process makes the lien a matter of public record, which informs other potential creditors and parties about the claim against the property. which no exists I have certified UCC 11 document from XXXX of XXXX Texas