davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-19
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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (GA)

This letter is my final communication regarding your claim that the information below has been verified and that the information being reported by the furnishers is accurate. There are OBVIOUSLY 2 different dates listed under " date of last activity '' which is a violation of the FDCPA. I will attach my credit report to show this discrepancy. Also, when contacted, the original creditor did not confirm the balance reporting, nor the account at all. I have repeatedly asked for evidence to support your reporting, but you have failed to provide me a copy of valid and viable evidence showing me signing anything agreeing to pay your company the alleged balance. Furthermore, I have requested your method of verification and you have not complied, as well as your license to collect debt in the state of GA, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ) and FDCPA. In the absence of any such documentation, I demand that this information be immediately removed from the credit file you maintain under my Social Security Number. Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA. You are reporting inconsistent payment history and different information for the date last reported. I'm afraid your company 's furnishing isn't valid nor reliable and I refuse to believe anything you are reporting because you lost all credibility by furnishing inconsistent information. Please see the inaccurate information attached and remove this account from my credit report due to defamation of character, unverifiable information, gross misconduct, and abuse of FDCPA regulations.
Consumer complaint received 2016-02-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Southwest Credit Systems, L.P. (TX)

This collection agency has no surety bond in the state of Texas.They are illegally attempting to collect from me.They refused to take it off my credit report.Chapter 392, Finance Code, provides for both civil remedies and criminal penalties. Tex. Fin. Code 392.402-.404. A consumer may take private legal action against a third-party debt collector or credit bureau for a violation of Chapter 392. In addition, a consumer may file a complaint with the attorney general if the consumer feels that the third-party debt collector or credit bureau has violated Chapter 392 by engaging in a false, misleading, or deceptive act or practice. 

Engaging in debt collection without filing a bond with the secretary of state is a violation of Chapter 392 and may also be a criminal offense. Tex. Fin. Code 392.402. The attorney general or a district or county attorney may investigate an alleged violation of Chapter 392. If you notify the secretary of state, this office will notify the third-party debt collector or credit bureau of the bond filing requirement and, if necessary, refer the matter to the attorney general for investigation. Please report the names of any third-party debt collectors and credit bureaus that do not have bonds on file to : Registrations Unit Statutory Documents Section Office of the Secretary of State XXXX XXXX. XXXX XXXX XXXX, Texas XXXX ( XXXX ) XXXX I have filed a report.I hope you will take action.Thank you
Consumer complaint received 2023-12-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP (TN)

In XXXX XXXX a contractor was hired to perform a service ( land clearing ) and subsequently was hired for an additional service ( septic tank installation ). In a verbal agreement, the contractor XXXX XXXX XXXX XXXX XXXX XXXX XXXX was to receive weekly payments totaling {$1700.00} ( half of the overall cost ) and come back to begin the project. I made payments via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  aXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I was instructed by XXXX to make these payments to his wife, XXXX XXXX using her phone number within the XXXX feature of my mobile banking app. XXXX never performed the services as promised. In XXXX, I requested a refund. XXXX stated he would see would he could do. In XXXX, I then offered to continue making weekly payments and pay the remaining balance. XXXX stated at that point that he was not comfortable doing this project and was not willing to issue a full refund either. He stated he would settle for less. I requested {$1500.00}. He said that was unrealistic as he purchased materials for this project using my money, which he made clear he was not comfortable doing several months after he was paid to come back and start doing. I then requested XXXX license number, and company address where I could serve him with paperwork for small claims court. XXXX responded that it is not his responsibility to provide that information and then threatened that if I pursued him in court or filed a claim with the sheriffs department that he would file a claim stating that my husband threatened him and his crew ( something that never happened ) to attempt to put my husband in jail. My husband received a phone call from XXXX XXXX at XXXX XXXX XXXX XXXXXX/XX/XXXX. At this point, this is blackmail and harassment. I notified XXXX of the issue back in XXXX and then waited additional time to hear back from XXXX- and was told in XXXX, by XXXX, several months later that I would need to go through my bank. At the time, I banked with US Bank so I filed a claim with US Bank in XXXX XXXX I was told that since I had closed my account with US Bank in XX/XX/XXXX that a check would be issued for the {$1700.00} that was lost through XXXX. Approximately 2 weeks later I called the bank to follow up and they stated my claim was denied and I would need to step into a branch if I wanted to file a new claim. This is absolutely unacceptable that theyd allow a valued customer to be defrauded. I want my money back as services paid for were not rendered.
Consumer complaint received 2016-02-04
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (TN)

I requested a copy of my free credit report from the XXXX agencies, I have received reports from XXXX and XXXX but nothing from Equifax. This is not the first time that I have requested my report from Equifax and did not receive it. I am being ignored by this agency.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions 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 XXXX  Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX and 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.
Consumer complaint received 2023-12-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Neon Newco Corporation (CT)

On Sunday, XX/XX/2023, I received a notification from Netspend XXXX XXXX ) indicating a transaction for {$490.00} at XXXX in XXXX, GA had been withdrawn from my checking account leaving me a balance of {$1.00}! I immediately called Netspend and advised XXXX XXXX  that was NOT me and I wanted to file a dispute! She told me I would have to call back because they can not file a dispute on a " pending transaction ''! It has to post to my account first. She further explained that the transaction was done via a virtual account and my debit card was not used ; My online access had been compromised! As the thief changed my password and credentials. I called back this morning, Monday, XX/XX/2023 a total of 6 times trying to get this matter resolved. I spoke with XXXX, XXXX, XXXX & XXXX. Another guy, I could not understand his accent or his name. He abandoned the conversation, switching me back to the automated system! Which is a complete merry go round! Because I incorrectly answered everyone 's computer generated questions, none of them could verify my account and so no dispute was filed against the fraudulent transaction! This is unbelievable! We must do better for our Seniors! We have worked all of our lives and now trying to enjoy retirement and we get robbed and then the bank won't even help us to recover our money! Please help!
Consumer complaint received 2023-12-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

On XX/XX/2023, a fraud claim regarding unauthorized transaction activity was filed on my mothers USAA bank account. I am listed as an authorized user and have Power of Attorney on her account to manage her finances. 

On XX/XX/2023, I received notice that USAA had determined to give a 60-day notice to close both my mothers checking account and my separate personal checking and saving accounts while keeping the funds frozen for six business days during their initial investigation and the appeal investigation process. 

My account had no connection to the fraudulent charges experienced on my mothers account. Still, USAA terminated my membership, account access, and funds without cause outside of their " policy ''. 

I am requesting assistance from the Consumer Financial Protection Bureau in investigating USAAs unlawful account closure actions taken against me as an individual consumer. 

Please use the above timeline and details regarding dates and actions taken by USAA that led to the unfair closure of my unrelated personal bank accounts with funds frozen. I appreciate you communicating this complaint to USAA to resolve the matter at your earliest convenience.
Consumer complaint received 2023-12-18
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (MN)

I must say that the name may be spelled wrong, because all of my attempts to get the correct spelling failed. 
i called XXXX XXXX XXXX this morning because another complex where i am seeking to move told me that there was a debt collection issue that needed to be addressed ( in case theres more than one apartment named as such, the address of the property is XXXX XXXX XXXX XXXX XXXX, XXXX, GA ) two things are worth noting here : 1- XXXXXXXX XXXX XXXXXXXX somehow remembered me, for whatever strange reason. moving on. 
2- Once she realized who i was, all amicable conversations stopped. 
I dont know if that is the same lady who worked at the leasing office when i was moving out, but if it is, thats even better. because, according to her, i am being charged for a list of things that never occurred. I have a gang of witnesses, due to the fact that i had to leave on a day that suited their availability to help me move out, and they will laugh at the list of damages claimed by XXXX XXXX XXXX 
Now, to the matter of eviction, i made it very clear when i was leaving, why i was leaving, and they threatened me, claiming that they would call the law on me. i called their bluff and left anyway. almost a year later, im finding out that i have an eviction on me. 
i never got one piece of correspondence from them. i have XXXX, XXXX XXXX, and other subscriptions to help me tract my finances, and i never even knew. 
heres my complaint here : i called this morning to inquire on the issue of eviction. while were on the phone, she mentioned the damages, which prompted me to ask more on the damages. like i said, there were NO DAMAGES! none by me. the place is not a XXXX, but thats how far im willing to vet it. 
once XXXX XXXX  ( could be XXXX or whatever, the property manager, that title which she boasted out ever so proudly! ) her! once she figured out the reason of my call, she attacked me, telling me that she remembered me i can not make this XXXX XXXX please tell me what and whom to come tact next. i am NOT paying for XXXX. i didnt live there. i payed for my stay and dashed once the city water started creeping into the kitchen, in the middle of cooking. next!
Consumer complaint received 2016-02-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (AZ)

I am a victim of id theft. I sent a request to the credit bureaus for a security freeze to my credit with a copy of all my required documents. Equifax did not freeze my credit. I also disputed fraudulent account from XXXX and several inquiries with XXXX, XXXX and XXXX XXXX XXXX XXXX They should have deleted these inquiries and account and sent me a new credit report. They did not update my credit report and send it to me
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Synovus Bank (NV)

In accordance with the Fair Credit Reporting Act, this creditor FIRST PROGRESS CARD Account Number XXXX has violated my rights. Under 15USC1681 section 602 states that I have the right to privacy. 15USC1681 SECTION 604a SECTION 2, also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 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 2015-07-22
Product: Credit card — 
Issue: Balance transfer — 
Company: DISCOVER BANK (NY)

Transfer BalancesDiscovercard - when you transfer balances from other cards to Discovercard they have a low rate for a period of time XXXX, but when you make payments they apply to the transferred balance and not the pervious balance on the card which is XXXX .... so there is actually an increase in interest rate to XXXX which is unfair and a fraud type of transaction. 
Al payment should be applied to the older balance due - first in first out. This practice was not disclosed .... the Company when called, says they have to do this by law which is false!
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (VT)

According to the Fair Credit Reporting Act, 15 USC 1681 section 602 ( a ) states : " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801, which states : It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

Self Financial is a financial institution by definition under that title. 15 USC 1681 section 604 ( a ) section 2 states that : " In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Self Financial the financial institution and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, and XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise, is revoked. 15 USC 6802 ( b ) ( c ) states that : " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Self Financial never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states : " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states : " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that : " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2016-01-15
Product: Credit card — 
Issue: APR or interest rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I have an XXXX Visa issued through Bank of America ( America 's most hated bank, I now know ). Should have known better. However since I pay all credit card balances in full every month I thought there would be no issue. I set up automatic bill pay to remove from my checking account the full amount of the credit card bill each month. There is a warning on the BOA website that the instructions might not be in effect until the next billing cycle, which is reasonable. However it 's now been XXXX cycles and they continue to debit my bank account for the minimum payment of {$25.00} ( an option I would NEVER choose ) and charge me interest on the remaining balance. On XXXX XXXX XXXX I called to find out why my instructions to pay the FULL STATEMENT BALANCE every month were not being followed. The customer service representative assured me I would see the correct amount paid on the next statement. My new statement ( XXXX XXXX ) also shows BOA again removing only {$25.00} from my checking account, and again charging interest on the balance. They clearly make a lot of money by not following instructions from their customers. I would cancel this card today except I really like XXXX companion fare deal. Too bad they have chosen BOA to issue their card.
Consumer complaint received 2023-12-18
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: GOLDMAN SACHS BANK USA (DC)

Marcus by Goldman Sachs gave no notice to their customers that they would sell off their loans to another servicer. I found out I am caught by surprise and they have now added more challenging work on the customer to get the transparency they deserve about their loan. If one elects paperless, one should still have access to legacy statements from prior months if their customers need to reference them.

Ever since Marcus by Goldman Sachs sold off my loan- which was literally within the last two weeks possibly ( early XX/XX/2023 ), I can't get access to my prior statements from the Marcus by Goldman Sachs online portal. If we were supposed to save those statements prior to Marcus selling off our loan, we need notice to save the statements needed before they discontinue online access to any loan information via the Marcus by Goldman Sachs online portal.

SST is scheduled to autopay/autowithdraw over {$800.00} on XX/XX/XXXX from my checking account, and I have yet to see a statement through the XXXX website. I have no statement visibility via my online account in Marcus by Goldman Sachs online banking portal. 

XXXX 's notice to customers from XX/XX/XXXX was vague and unclear about what we should do if we haven't received a statement. XXXX 's online portal is so terrible that it looks like an interface from the late XXXX XXXX. Not user friendly and hard to navigate to even find their data privacy notice. 

Marcus by Goldman Sachs should've worked in tandem with SST to ensure an effective transfer of the loan, which includes full transparency into my statements from the inception of this loan.

When one agrees to paperless statements and then transfer the management of my loan to some other unknown financial institution WITHOUT my ability to have any control over the decision and one can not see any statements, how am I to understand if the data integrity of the account balances from current and prior months match up with what SST is quoting me today? 

I need the transparency, and I am not getting that with XXXX or Marcus by Goldman Sachs.

This transfer of my loan to XXXX by Marcus by Goldman Sachs was done with no transparency or paper statement mailed to me. If I can't get access to my statements online via XXXX 's ancient non-user friendly web interface for account management, then I should be receiving a paper statement mailed to my address every month going forward. This is not hard to ask for. 

Even though Marcus sold off the loan, they should still be held accountable to ensure we ( the customer ) receive sufficient paperwork or loan statements to assist us with the transition to the new servicer.