davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TX)

On XX/XX/XXXX and again on XX/XX/XXXX I sent a certified letter to LVNV FUNDING LLC. In response to a notice I received from them stating that I owe XXXX and XXXX. I wrote them asking that they send me in writing a validation of debt letter containing the following : XXXX : money they say I owe. 
XXXX : How was that amount determined XXXX : Provide copies of all signed agreements from me and creditor bearing my personal signature stating that I agreed to pay such amounts. 
XXXX : Provide me with proof that the statute of limitations has not expired. 
XXXX : show proof that they are licensed to collect in my state with their license number XXXX. A valid, legible copy of the agreement stating the debt and interest charges. 
They failed to comply with my request by sending me a verification of debt letter and also a letter to falsely claim that I was a victim of identity theft. They not only failed to comply with my requests but also violated my rights under the FDCPA and FCRA ( reference code ) ( 15 USC 1692g Sec. 809 ( b ) ).
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ACIMA CREDIT, LLC (FL)

Now this one actually bothers me more than anything more than big debts more than it all a few years back I got furniture and a company called XXXX and with them I financed XXXX and I'm stupid because I had the money I should have paid it out of pocket but we live and learn so I was paying XXXX a week and it would of been ending up paying XXXX but whatever so I paid it so to pay it off and be done my last payment to them was XXXX dollars and when I paid over the phone the girl says you may get charged one more time of XXXX dollars I told her I better not she said well it's on auto payment and it might cut it close I said well cut it off or if it does charge me refund it back I'm paid up and that is the right thing to do I have already paid you guys plenty back. of course, she was rude about it, and I changed my banking info they kept calling and harassing me over these XXXX dollars and I could have paid it but now it's more of a principal matter to me because I actually paid them XXXX so I paid XXXX more than what I was supposed to and you're still trying to scam me. you know what they have on my XXXX credit report I owe them like XXXX dollars because of interest and late fees and I have my pay ledgers I'm going to send over to you and the contract with them. Its disgusting way to be and what do you do you call them and try to ask them to remove and tell them everything and they laugh in your face and then the XXXX XXXX XXXX XXXX says all things reported are accurately like what the date it opened the date I stopped paying well that's no mystery I'm reporting that this account is paid and I have sent them everything several times so it really bothers me what is it your investigating and with who I literally sent you the contract and my pay ledger and bank statements. I'm not going to stop until all these unjust issues are fixed, I have like XXXX followers and if I have to post everyday about these companies and their unjust ways I defiantly will.
Consumer complaint received 2024-02-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Data Mortgage Inc. (MA)

Essex Mortgage is the new servicer of my loan. I have always made payments on time, with the same account and have not ever missed or been late on a payment. 
On XX/XX/XXXX I made my usual monthly payment for XXXX. 
On XX/XX/XXXX, the payment was returned - reason being that the " account was unable to be located '' I received a call on XX/XX/XXXX from Essex, the woman informed me of the payment being returned ( as I was not sent any alert or notified ). I immediately made a payment with her over the phone ( I have been trying very hard to increase my credit and be on top of all monthly payments ). While I made the payment over the phone with her, she confirmed with me that it was a success and the payment wend through. She CONFIRMED that payment was a success and we were all set. This call should have been recorded and documented. 
On XXXX I received an alert that my credit score dropped XXXX points. Apparently the payment was not successful again. This is not due to insufficient funds or anything on my end. This is the same account I've always used and have never had trouble. I did not receive any communication from Essex Mortgage. 
I called them today on XXXX to explain. They have acknowledged that this error is not something that is a fault on my end. However they are not seeming willing to convey this information to the credit bureaus, which puts me in a very bad position as over the last 12+ months I have worked to increase my credit significantly as my family works to purchase our next home.
Consumer complaint received 2024-02-05
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NJ)

I received an XXXX XXXX prepaid gift card as a gift for XXXX, the amount was for {$500.00}. 

I called the number on XXXX ( XXXX ) at XXXX EST on XX/XX/2024 and raised the concern that my card was being denied at every merchant I tried using it at. They gave me some script about holds placed for security and that it would take some time to release them. I shared the card number and expiration date so the rep could look at the account. Less than an hour later I was called by another number and the person on that line explained that my case was routed to him and he READ BACK the card number and expiration date to me ( he already had it, presumably from whoever answered my first call ). 

I assumed that he would only have that information through legitimate means so I provided the XXXX digit code when he asked. He explained the holds would be lifted. I checked back later and saw a transaction for a merchant I have never known about or done business with based in XXXX ( XXXX XXXX ) for the entire remaining balance of my card, which was {$490.00} - XXXX cents was on hold from the previous attempted transactions. 

Someone who works in the servicing department seems to be running a scam and sharing card info with a third party so they can call customers and trick them into giving the XXXX digit security code. 

I had raised a dispute with them, which they denied. I called again and explained that it was not acceptable and they re-opened the case today. They said it would take another 45 days to continue researching. 

This seems to be some combination of business with XXXX XXXX or one of it's subsidiaries and something called " XXXXXXXX XXXX '' or " XXXX XXXX XXXX. '' I've attached a pdf of a dispute case they sent to me today.
Consumer complaint received 2021-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

Following accounts have been disputed sine XX/XX/XXXX with no response but to send additional verification which was well over the 30 days from my first letter. I sent the proper documentation in my dispute XX/XX/XXXX and feel this is just a stall tactic as they waited almost 2 months to even ask me for additional information Dispute for the following items was sent on XX/XX/XXXX, XX/XX/XXXX and again XX/XX/XXXX XXXX {$1000.00} This account is still questionable since my dispute on XX/XX/XXXX with no response. High balance still showing {$1000.00} on Equifax when XXXX shows {$0.00}. Also shows that this was transferred or sold and does not indicate who it was sold to which is a requirement. Date of last payment on Equifax shows XX/XX/XXXX but on XXXX and XXXX it shows XX/XX/XXXX. Payment history is also incomplete and does not show any negative remarks No disputed notes on this account as well which is a violation. No disputed notes on this account as well which is a violation. 

XXXX XXXX {$620.00} This account is still questionable since my dispute on XX/XX/XXXX with no response and see changes where made and I was not given any information on why or how the information can now be different. On my report on XX/XX/XXXX the date reported was XX/XX/XXXX and now you have a date reported of XX/XX/XXXX. Date of last active shows XX/XX/XXXX with payment date of XX/XX/XXXX but on my report on XX/XX/XXXX the date of the last payment was XX/XX/XXXX. How is all this information now different and I have still yet to get any information on your investigation. 

XXXX {$1800.00} This account is still questionable since my two other disputes that I have not gotten a response on. One of the items in question is this account payment status is Late 120 Days with a payment history of Okay from XX/XX/XXXX thru XX/XX/XXXX the jumps to XX/XX/XXXX 120 days. Past due balance shows {$1100.00} on Equifax and has {$730.00} past due on XXXX  and XXXX There isn't even a dispute remark on this account. 

XXXX {$13000.00} This account is still questionable since my two other disputes that I have not gotten a response on. One of the items in question is this account payment status is Late 120 Days with a payment history of Okay from XX/XX/XXXX thru XX/XX/XXXX the jumps to 120 day in XX/XX/XXXX. Past due balance shows {$12000.00} in my XX/XX/XXXX reported with a date of last active of XX/XX/XXXX and now the Past due balance is {$12000.00} with the date of last active XX/XX/XXXX on my XX/XX/XXXX report. How does any of this information add up to be true. Please remove this errores unverified account immediately.No disputed notes on this account as well which is a violation.
Consumer complaint received 2024-02-07
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Volvo Car Financial Services U.S., LLC (TX)

The issue involves the reporting of a charged-off account and the failure to provide the required Form 1099-C for canceled debt. A formal request was made for the issuance of Form 1099-C to ensure accurate reporting of the canceled debt, as per IRC Section 6050P. Despite previous requests and the company 's commitment to resolving the matter, the necessary documentation has not been provided.

It has been noted that once a debt is canceled and a Form 1099-C is issued, the credit report should no longer show a remaining balance due. However, the status of the account has not been updated to reflect this. Relevant laws and regulations, including the Fair Credit Reporting Act ( FCRA ), Internal Revenue Code ( IRC ) Section 6050P, and others, were cited to emphasize the importance of accurate reporting and compliance with legal requirements.

The resolution requests include the issuance of Form 1099-C within 30 days, immediate deletion of the reinserted charge-off from the credit report within 45 days, and compliance with the Servicemembers Civil Relief Act ( SCRA ) within 60 days, among others. Failure to provide Form 1099-C within the specified time frame may result in the filing of IRS Form 3949-A. 

Thank you for your attention to this matter.
Consumer complaint received 2024-09-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (TX)

On XXXX XXXX I went to a XXXX XXXX XXXX XXXX XXXX drive-thru ATM to withdraw {$60.00} from my Navy Federal Credit Union account ( compatible ATM that doesnt charge a fee ), my transaction could not be completed due Host Disconnected. I notified the XXXX XXXX manager. They stated contact your financial institute to solve the issue. I called Navy Fed services they mention it was a pending transaction and the money should not be pulled from the account. My account shows on XX/XX/XXXX the {$60.00} was withdrew from my account so I submitted via Emessage to Navy Fed- my receipt from the ATM on XXXX XXXX showing proof that my transaction was not completed. They reimbursed me a temporary {$60.00}, and stated it was under investigation. Fast forward to XX/XX/XXXX I received a letter stating there was no billing error occurred, therefore I would be charged the {$60.00}. On XX/XX/XXXX Navy Fed withdrew the {$60.00}, so I request the documentation that was used in the decision so I can submit an appeal. On that document that was provided from XXXX XXXX ATM History it states Host Disconnected never showed/proofed I received the {$60.00} ( however it does show a {$190.00} balance so Im not sure if other clients had the same issue ). I submitted additional Emessage via Navy Fed with the documents that I wanted to appeal the case again or further clarification. They responded they are unable to continue to pursue the merchant on your behalf via the dispute process.
Consumer complaint received 2024-02-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (OR)

Hi there, Can you please help? 
I am formally complaining against Coinbase as they have closed my case while retaining possession of my funds. I ask that they be required to return my funds to me. 
I have attached the page listing my asset - that should be returned to me. 

I have been asking Coinbase for access to my funds in the account since XXXX of XXXX. I have given them plenty of time to give me access to the funds, but they continue to provide no access. 

I also attached the complaint I filed with XXXX, but they said it was out of their jurisdiction, so they referred me to you folks. 

The last email I got from Coinbase was a generic email with the following info : " As outlined in our previous communications, Coinbase no longer supports XXXX XXXX XXXX XXXX  ) as of XX/XX/XXXX. As such, Coinbase has liquidated the XXXX remaining in your Coinbase account. Your XXXX  has been converted to the equivalent market value of another supported digital asset and credited back to your account, minus any transaction costs. Please note, after accounting for transaction costs, and subject to market fluctuations, you may not have received any compensation following the liquidation. '' I have not received any clear communication about what happened to the funds in my specific account, and ask for both the funds to be returned to me and the communication about what happened. 

Thank you for your time and help, XXXX XXXX
Consumer complaint received 2024-02-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (NE)

I have attempted to reach out to Westlake Financial numerous times but every time that I call they demand another payment. This is after I have sent them two personal checks that they have not applied to the account and Im just about to send out the payoff for the whole account but theyre still saying that they havent received two checks which is complete baloney. Theyve also called me over 12 times in the last week. Theyve called me before from autodialers so I dont even answer the phone if its a number thats not in my contacts. A lot of times theyll double call me too. This is getting beyond ridiculous. I have numerous calls recorded from these autodialers and the numbers they use.
Consumer complaint received 2023-01-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc (TN)

I have been locked out of my account due to an ongoing problem verifying my date of birth. It has something to do with XXXX. I have called NUMEROUS times and this last time is was SUPPOSED to have been resolved. Well it hasn't been and I still can't access my Affirm credit. I was supposed to have received another verification link since the first XXXX expired and yet I'm still unable to access my credit. You people must be idiots. XXXX XXXX XXXX  is it going to take to get this fixed?
Consumer complaint received 2021-01-22
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: DISCOVER BANK (AL)

Attempting to pay the mortgage in full and servicer is charging a penalty. 

Closing disclosure ( attached ) says there is no pre-payment penalty. 

Servicer is now telling me that the fee is a 'cost reimbursement fee ' if I pay the loan off before a certain date.
Consumer complaint received 2024-02-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc. (NE)

So I am not sure where to start, my loan with Rushmore Mortgage sold use to another company. They kicked us all off of their website and there is NOT one single number to get ahold of them. You call their number it tells you ; your loan has been sold and contact this number, but that's of the new loan and they can't assist with my issue. Somewhere on the internet it looks like Mr Cooper has bought everything out. I feel like someone i have been paying for a long time and now i cant do anything online, cant see payment history or anything with no help. So i want to make a complaint against them and get some answers on how to get ahold of them.
Consumer complaint received 2024-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (TX)

On XX/XX/XXXX I opened an Ally bank account for me and my partner to deposit money into to be used for automatic bill payments. So we can both deposit money and have bills come out. We did this and everything seemed fine until XX/XX/XXXX, overnight the account was locked and frozen for " fraud ''. Upon calling Ally they aggressively wanted to know who ( my partner ) was and why they were making deposits into the account. I explained the situation and they said they would get back to me. Now, a few days later I have not heard anything, no access to my money and even some of the previous transactions, like one for rent, have been reversed and are causing issues for me and my apartment complex.
Consumer complaint received 2021-03-21
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. (FL)

Im submitting this complaint against XXXX Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2024-02-02
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (DE)

When I was XXXXXXXX XXXX XXXX  months, somebody use my Zales credit card card spending {$3000.00} I didnt authorize no transactions, and I want it fixed and file it as a fraud and all this company did was blame me when you can clearly see on my credit I make all my payments on time
Consumer complaint received 2023-01-16
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. (OH)

On XX/XX/XXXX, Equifax closed my dispute investigation and refused to remove inaccurate information from my credit report regarding a negative account with XXXX XXXX XXXX XXXX. Equifax confirmation no. XXXX. My Equifax credit report erroneously suggests that since XXXX and before the creditor sold my account, I owed {$11000.00}. Not only is this balance amount incorrect, this reported delinquent balance exceeds the credit limit for this credit card. Also, Equifax incorrectly reports my last payment occurred in XXXX, XXXX. Instead, I made my last payment long before this. In fact, this account now should be more than XXXX XXXX XXXX and therefore, non-reportable as a matter of law. I told Equifax the creditor has not responded to my repeated requests for an itemized statement and payment ledger that reflects all dates payments and transactions occurred, starting with a XXXX running balance, as written debt verification as required by the Fair Credit Reporting Act and Ohio Consumer Sales Practices Act, Ohio Revised Code Section 1345.02 et. seq. I specifically requested that Equifax request the creditor submit a payment ledger and itemized statement to prove the date when the delinquency began, date of last payment and the account balance at the time the creditor sold and charged off my account. But, Equifax 's XX/XX/XXXX final dispute report confirms the creditor did not submit any documents or the written debt verification I requested. Equifax performed no investigation before it closed my dispute. As an attorney, I believe Equifax violated my rights under the Fair Credit Reporting Act as follows : 1. Consumer right to privacy - 15 U.S.C. 1681, Section 602A ; 2. Improper furnishing of account information without or against consumer 's written instructions, 15 U.S.C. 1681, Section 604 A2
Consumer complaint received 2024-02-02
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. (GA)

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.