davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FIDELITY CAPITAL HOLDINGS, INC (TX)

Looking at the documentation that was provided to me by both the credit collecting agency and the " Orginal debtor '', I have several concerns. The alleged receipts concerns me. ( I 'll refer to them from here on as " receipts '' but they are a list of charges with not explanation. I do n't believe they are valid receipts. ) The " Original '' receipt is just a list of charges with a signature from the manager at the time. When I contacted the debtor, it turns out that the original manager is not only no longer working there, but it was purchased by a new company. They have no idea what happened during that time at all. What 's more concerning is that other than my lease agreement, the only other " receipt '' is a copy of the original " receipt '' mentioned above with the words Make Adjustment written across it. That " receipt '' is also months older than the original. XXXX were signed by the same manager. It looks like XXXX receipts are invalid. More over, when I contacted them to better understand the charges, they could n't provide me with any information. They did not have any materials receipts or contractor receipts. There was also absolutely no proof that the work they are charging for was completed or who completed it. In fact, the only thing they could tell me what that I allegedly owed them money and they had " documentation ''. However, not only have they had that debt for more than a year, they did n't contact me about it and decided to give it to debt collection agency a month or XXXX ago. None of this makes any sense to me. I believe that what they are claiming is fraudulent and they are attempting to extort money from me. 
When I contacted the collection agency, I requested that they provide me with a debt verification consistent with Texas Law. ( As I currently reside in Texas ) They could not provide all the required information. Under Texas law, if they can not verify that the debt is mine as well as prove they hold a Texas surety bond within 30 days, they are required to delete my debit trade line from their system. Fidelity Creditor Service had refused to do so. I also brought up my concerns about the validity of the debt and Fidelity Creditor Service will not address it as it 's not in their interest to do so.
Consumer complaint received 2016-05-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Bonneville Billing and Collections (AZ)

On XXXX/XXXX/16 I sent a letter to Bonneville Collections requesting validation for an entry on my credit report. I 've attached several supporting documents as well as the letter I sent them. According to the USPS tracking number, they signed for my letter on XXXX/XXXX/16. I then waited 4 weeks from that date hoping to hear from them, which I did not. After the 4 weeks I filed a dispute with XXXX and XXXX, fully outlining everything that has taken place and including copies documents that I sent Bonneville. The XXXX bureaus started a dispute on my behalf. During the time my XXXX credit reports of both bureaus described above where updated by Bonneville. They never validated the debt, and during this time that they are supposed to be doing such, they made changes to my reports. According to the FDCPA act they are to suspend collection activities until validation as been supplied. Furthermore, upon looking into this company, they are NOT licensed or bonded in my state to be operating as a collection agency. You can view the XXXX code in my letter. So not only are they violating FDCPA laws, but they are also violating state law.
Consumer complaint received 2016-05-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MI)

EQUIFAX IS REPORTING A COLLECTION DEBT ON MY ACCOUNT THAT IS NOT MINE XXXX I HAVE TRIED TO RESOLVE IT WITH THEM WITH NO RESPONCE OR CHANGE TO MY REPORT I HAVE ALSO SUBMITTED A COMPLAINT WITH THE COLLECTION AGENCY THAT THE DEBT IS NOT MINE AND NEVR WAS THEY HAVE FAILED TO PROVIDE DOCUMENTATION UNDER THE FAIR DEBT COLLECTION PRATICES ACT AND STILL REPORTED TO THE CREDIT AGENCY EQUIFAX
Consumer complaint received 2016-09-06
Product: Credit card — 
Issue: Billing disputes — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

I noticed XXXX fradulent charges on my account in XXXX 2016, and immediately reported it to USAA. As I still had physical possession of the card, I attempted to find out where my card information had been compromised, and I became convinced that it was via an online auto parts store I had recently used which lacked proper SSL authentication. When attempting to contact the parts store, I received no response, and subsequently reported these charges as fradulent to USAA. 

The following week, the parts actually arrived, and I immediately contacted USAA to ask them to re-authorize the charges ( approximately {$1700.00} ), as they were valid. 

This has led to an absolute nightmare, as that {$1700.00} has been credited to and debited to my account over 11 times over XXXX billing periods during the past 4 months. USAA insists that I never paid the {$1700.00}, despite numerous attempts to prove that this is impossible given the numbers shown on the billing statements. During these XXXX billing periods, I made purchases on the card totaling {$5100.00}, and paid {$4700.00} in bills, thus I owe USAA {$390.00}. 

USAA however, insists that I owe them {$980.00}, and I have also been told that I am actually coming out ahead, as that number SHOULD be {$1300.00} ( as they admit that their accounting is inaccurate ). I have been insistent for over 4 months about what I owe, and I simply want to pay the {$390.00} to settle the accounts. This has proven impossible, and I refuse to pay more than I actually charged to the card in goods and services.
Consumer complaint received 2017-08-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ENCORE CAPITAL GROUP INC. (MA)

On Tuesday, XX/XX/XXXX at XXXX XXXX I received an email notification from XXXX XXXX to inform me their has been some changed to my credit score. I reviewed my account to check the status of reporting to my credit bureaus. In checking it was Midland Credit Management whom reported. I contacted Midland Credit Management Wednesday, XX/XX/XXXX in the morning to check the status of my reporting. I explained to XXXX XXXX my current financial situation. I informed XXXX I am a single mother with XXXX whom have XXXX and XXXX. As well as I am living in a fixed income from social security benefits and department of transitional assistance.  XXXX check her system to see what she could do to help me as informed me based on my current situation that she would close the account. I was placed on a hold where she check the system regarding my XXXX XXXX debt. XXXX informed me that as of XX/XX/XXXX XXXX XXXX is taking back their collections and she will not be able to help in closing my account my account based on my situation. I then asked that is they knew that this account was being transferred to XXXX XXXX as of XX/XX/XXXX why would they report it to credit bureaus? XXXX responded by saying they will remove the report within 10-15 days the latest is 30 days. I cant stop crying as I also contacted XXXX XXXX and was informed by the customer representative the account is in collections and they have nothing in their system that indicates it is being taken back. The representative advised me to call, email and leave a message for the debt settlement department through XXXX, which I have done by leaving a message to get a better understanding as to what is going. Most importantly why no has communicated with me about social security number just being sent to different agencies without my consent.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

My account with was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2016-07-26
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (MD)

I purchased my home in XXXX XXXX and took advantage of a 6-month interest free financing promotion offered through the Home Depot Consumer Card. I made regular on-time payments to the account and decided to pay off the entire amount before the promotion period ended on XXXX XXXX, XXXX. I inquired whether the promotion period could be extended for a short time and was granted a 20 day grace period, i.e., until XXXX XXXX, XXXX, to pay off the balance. To ensure I paid the full balance and to avoid any possible confusion, I requested that a Citi Financial representative provide a final pay off amount. The representative provided to me the exact balance of {$4500.00}. I also asked that she make note of the quoted pay off amount to prevent the very situation I am currently facing. On XXXX XXXX, XXXX, I paid the entire {$4500.00}. Notwithstanding this payment, on XXXX XXXX, XXXX, another Citi Financial representative informed me that there was an additional {$530.00} that remained on my account. When explaining the error, she suggested that although each of my purchases met the 6-month interest free promotional threshold, Home Depot/Citi Financial charged my account separately for an online purchase where all items were ordered and purchased at the same time but shipped separately. The total online purchase met the {$290.00} promotional threshold. She further noted that Home Depot/Citi Financial would have corrected the accounting error if I had informed them of the error within the promotional period ; but by her calculations it was " too late. '' The promotion period was extended until XXXX XXXX, XXXX. Thus, by the representative 's statement, Home Depot/Citi Financial could have corrected the accounting error since my inquiry was made during the promotion period. The heart of my complaint, however, pertains to the the false representations made to me by Citi Financial regarding the final payoff amount. Citi Financial misrepresented the amount and character of the debt owned. I recently filed a complaint in this matter with the XXXX but Citi Financial refused to correct its error and the complaint was closed without further investigation. Citi Financial admittedly quoted me a final payoff amount of {$4500.00} but suggests that this was only the principal balance. This too is a false representation. The final interest free promotion was not included on any of my billing statements. For that reason, I expressly requested a FINAL pay off amount from Citi Financial and was quoted the {$4500.00} figure. I have paid this amount in full and am now being asked to silently accept the financial penalties borne from Citi Financial 's error.
Consumer complaint received 2024-09-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (PA)

Someone gained access to my XXXX account on XX/XX/year> and XX/XX/year> and started depositing thousands of dollars into the account. They deposited {$2700.00} in total. 
I was notified by my app that my bank had authorized these transactions in the order of {$200.00}, {$500.00}, {$1000.00}, and {$1000.00}. 

My Bank failed to warn me of these large amount of transactions like they've always done before by calling or texting me to verify these amounts. 

I notified my bank right away when I saw the charges and filed a fraud/non-authorized dispute with them. 

Weeks later my bank gave a verdict that my claim was not warranted as fraudulent. Because the merchant says they used security tokens to verify the transactions. This is false because I was asleep at the time. I never received any calls or texts from XXXX to verify any type of transaction. Now it's my word against theirs. The only documentation I can provide in this matter is call/text logs and I want the merchant to also provide their logs showing that they indeed contacted me for verification at the time of these transactions. So now the merchant got to keep my money.
Consumer complaint received 2024-09-20
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I want to file a complaint against Kohls and Capital One. Without my request, Kohls switched my in store only card to a credit card that can be used anywhere. I did not request a credit card. I believe it is ILLEGAL to send out unsolicited credit cards. 
I also have to now go through the process of canceling the card, and that could impact my credit score, showing I had a card and had to close it. 
thank you
Consumer complaint received 2024-09-19
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Upstate Remedial Management Inc (FL)

Upstate Remedial management is texting my mother and my sister. Neither share my debt, nor are listed on anything to do with this account. 

My mother and sister both received text messages XX/XX/year> at XXXX XXXX. I have the screenshots. 
I just had a consult for bankruptcy and mentioned this to the lawyer, who advised Upstate Remedial management is not supposed to be texting or harassing my family members.
Consumer complaint received 2016-07-21
Product: Consumer Loan — Vehicle lease
Issue: Shopping for a loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (FL)

on XXXX XXXX i was at Lexus of XXXX Because i was offer a # months waiver so there is only one 1 payment of $ XXXXwhit Lexus Financial Services and o a new lexus ct200h my payments was {$440.00} at months for 36 months at XXXX miles per year whit Lexus Financial Services so far today is XXXX XXXX and there is no answer of approval or declining this deal and i feel is because my XXXX background
Consumer complaint received 2016-06-20
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ENCORE CAPITAL GROUP INC. (CO)

Midland Credit Management has been repeatedly harrassing my elderly parents who XXXX to collect a credit card debt that I do not recognize and refute. I am XXXX XXXX XXXX and have not lived with them in 22 years. Even after my parents said repeatedly that I do n't live there, the agency continued to call incessantly. The collection agency disclosed the amount of debt and debt history ( which again I do n't recognize ). They threatened to publish my name and parent 's name in the papers. They have filed papers with XXXX XXXX XXXX and told my parents that the XXXX would be coming to collect. It is not a high amount they want XXXX for what they claim was originally a XXXX debt. But, they have made my parents lives miserable. I do n't want to give in to such bullying and I believe they have acted illegally. I want them stopped. Please help
Consumer complaint received 2024-11-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/XXXX U made a deposit in person at Bank Of America for XXXX. I received a receipt for availability on that day indicating i would get XXXX on XX/XX/XXXX and the rest on XX/XX/XXXX with the exception on XXXX i assumed would be available the next day. when i didnt get the XXXX the next day i checked my online account and noticed they extended the whole check and date to XX/XX/XXXX. I went back to the bank and ask why they said they couldnt give me an answer. I called they said the same thing. At the close of that day XX/XX/XXXX i see they conviently put a notice in saying they were holding because they received information it might be returned .. a blatant excuse and lie the bank it was written on had already verified the check. The fact that they issued a negative remark on my account was wrong!! I have made many large transaction to Bank of America by cash and XXXX large sums by checks. I have been a customer well over XXXX years. To be treated with disrespect like Im depositing fake checks is an insult. They didnt follow company protocol in regulations at all. Im suppose to receive a notice and reason when the hold is out on I didnt on XX/XX/XXXX they only added it because i called and complained. They didnt honor the receipt I was given at the time of my deposit. They accused me of fraud basically said my check would return. They place a false hold on my account.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2016-07-11
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (GA)

Midland Funding has inaccurately reporting on both my XXXX and XXXX credit reports. I never established any contract with this company and they are trying to collect a debt I do n't owe them and they are in violation of the FCRA.
Consumer complaint received 2024-08-20
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. (CA)

You violated the United States Code Law : 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to thedebt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, adebt collector shall assume that the convenient time for communicating with a consumeris after XXXX XXXX antemeridian and before XXXX XXXX XXXXostmeridian, local time at the consumers location ; ( XXXX ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to acommunication from the debt collector or unless the attorney consents to direct communication with the consumer; or ( XXXX ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to thedebt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of anydebt, with any person other than theconsumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes thedebt collector to cease furthercommunication with the consumer, the debt collector shall not communicate further with the consumer with respect to suchdebt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that thedebt collector or creditor may invoke specified remedies which are ordinarily invoked by suchdebt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumeris made by mail, notification shall be complete upon receipt. ( d ) Consumer defined For the purpose of this section, the term consumer includes the consumers spouse, parent ( if the consumer is a XXXX ), guardian, executor, or administrator.
Consumer complaint received 2016-12-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FIDELITY CAPITAL HOLDINGS, INC (CO)

XXXX sent my name to collections with Fidelity Information, but I do not owe her money. I was not a party to the lease and do not owe her. She has said on numerous occasions that she is aware, but wants to be paid anyway. I 'm in the middle of buying a home and this has put a halt to my purchase. I want her criminally prosecuted.