davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-13
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Riverwalk Financial Corporation (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx showed up on my credit report XX/XX/2018. Trying to collect on a old account with XXXX XXXX XXXX who as of 2 years ago stop taking money out of my account monthly. This was solely based on their decision to do so. And removed it from my account. This company has now placed this on my credit report as a new debt and has dropped my score 41 pts. They have called and i asked them to send me documentation. They told me that they are not the account holder and that they dont have to provide me any of that information. they threatened to garnish my wages. They also stated that time is of the essence and that they can do what they want. They are horrible people and very nasty to talk to over the phone.
Consumer complaint received 2018-10-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I malied in list of disputes ffrom false and inaacurate information listed on my XXXX  Credit report. I did not recieve a response within 30 days of XXXX  recieving my disputes and still have not recieved any update. In addition the items listed on my XXXX  Credit report are inaccurate and negatively affecting my abilty to obtain credit.
Consumer complaint received 2018-12-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc (NC)

collection on my credit report since 2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX going around circles with them on a bill I paid to XXXX XXXX XXXX XX/XX/2017 that I already have paid them. They are rude and keep talking around circles for a payment of XXXX. I can't believe how many times I have called them and no help. faxed them a copy of the check that this has been paid. Tell me to call back another time.
Consumer complaint received 2018-04-13
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (PA)

Despite my on time payments and credit score rising 100 points form XX/XX/XXXX to XX/XX/XXXX credit score was lowered causing utilization to rise and credit score to drop. Criteria used to determine the decrease was pulled in XX/XX/XXXXbut score used was fromXX/XX/XXXX without my authorization. Creditor directed me to contact XXXX who is not responsible for the decision. Creditor is Walmart/Synchrony.
Consumer complaint received 2023-07-09
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I received a letter from Capital One Auto Finance dated XX/XX/2023. Reference number : XXXX. This serves as notice of discrimination and violation of the Equal Credit Opportunity Act. I am an injured consumer to whom you discriminated against and did not approve my application requesting to extend credit. Specifically, it states : " we're unable to provide you with a pre-qualified offer for auto financing. '' Capital One failed/never tried to make me a counter offer. I've submitted an application, pursuant to 12 CFR 1002.2f, to extend my credit to me. To my understanding, you are a corporation doing business with a living entity, a consumer. My personal information was given and used, including my credit card as defined by law : " any card, plate, or other like credit device existing for the purpose of obtaining money, property, labor or services on credit. '' This, to my understanding, was to be treated as a consumer credit transaction ( 15 USC 1679a ( 2 ). Being that I am an applicant pursuant to 12 CFR 1002.2 ( E ) I'm requesting an extension of my credit. How can I lawfully be denied extension of my own credit? 12 CFR 1002.2 ( h ) defines Consumer credit as credit EXTENDED to a natural person primarily for personal, family, or household purposes, in this case a car. Pursuant to 15 USC 1611 CAPITAL ONE AUTO FINANCE gave me false information. You are willingly and knowingly denying me an extension of my own credit. CAPITAL ONE AUTO FINANCE has discriminated against a consumer with an adverse action. Credit is the right granted to me under law, pursuant to 15 USC 1602 which Congress has set into place to protect the consumer. 15 USC 1681a, 12 CFR 1002.7 denial is an adverse action according to Congress ; it shall be UNLAWFUL FOR ANY CREDITOR TO DISCRIMINATE AGAINST ANY APPLICANTS WITH RESPECT TO ANY ASPECT OF A CREDIT TRANSACTION. Also according to15 USC 1691 ( a ) 3 : activities constituting discrimination also include : " because the applicant has in good faith exercised any right under this chapter. '' Corporate policies do not supersede law. I extended my credit in good faith, meaning a transaction has taken place and I, the consumer, have not received an equal benefit. I being the card holder as defined by 15 USC 1602 have received no benefit from this matter which under 15 USC 1602 ( p ) you have unauthorized use of this card. Adverse Action against a consumer is against the Law according to the Equal credit opportunity Act which is codified in 15 USC 1692 and is pursuant to civil liability under 15 USC 1692k. The letter you sent is deceptive and clear proof of such willful negligence under law. I expect that you will rectify this matter accordingly.
Consumer complaint received 2018-10-07
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. (MA)

I XXXX XXXX am not disputing that I once had a credit card with XXXX XXXX Bank. What I am requesting is a copy of the actual transfer of ownership from XXXX XXXX Bank to XXXX XXXX XXXX. Since XXXX has posted that they have purchased the debt, under Fair Debt Collection Practices Act I am well within my rights to be given 100 % validation that the debt was purchased. XXXX did not have a right to even post this collection on any of the pertinent credit bureaus without such a validation finalized. Accordingly, the collection must be removed until the debt transfer is completely validated. I am open to a settlement letter to be emailed to me at XXXX if possible, but I would still like to see a copy of the actual transfer.
Consumer complaint received 2018-10-09
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (CA)

I am unable to get information on account number XXXX. My attorney sent XXXX XXXX several emails requesting for a loan modification with a payment I could afford. Its been over 30 days and no response. I have been recording the automated information on my account. On XX/XX/2018 there was a sudden change to the account during the time the servicer was merging with XXXX and I recorded it. The automated system informed me that a new mortgage payment in the amount of {$2900.00} is due XX/XX/2018. On XX/XX/2018 the trustee sale was postponed to XX/XX/2018. On XX/XX/2018, the automated system gave me different information again. Since XXXX  XXXX is not responding to my attorneys emails I called Ocwen myself to get information on the account, my call was automatically transferred to the law department, the representative told me I would need to contact XXXX XXXX to get the update. How am I suppose to get information on the account if the servicer and its outside lawyer wont give me information?
Consumer complaint received 2018-10-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FINEX Group LLC (GA)

Received a voice mail on my phone number that has not been used in 3 years saying that she was XXXX XXXX from financial group with FINEX GROUP collecting a " Debt ''????? Call her at XXXX XXXX XXXX XXXX I did not return this call because I OWE NO ONE. I have NO CREDIT CARDS< I HAVE NO CAR PAYMENTS< I HAVE NO MORTGAGE, I HAVE NO DEBTS!!! These low-lives are all over the Internet with similar complaints. Put them in jail, out of business, deport, fined, whatever it takes.
Consumer complaint received 2023-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am not liable for this debt with XXXX  and do not have a contract with XXXX XXXX XXXX date opened XX/XX/XXXX I am not liable for this debt with XXXX and do not have a contract with XXXX XXXX XXXX date opened XX/XX/XXXX. 
They did not provide me with the original application like I asked. 
Please take a look at this information above and have this info above removed IMMEDIATELY, because it violates my consumer rights along with my FDCPA consumer rights. Thank you!
Consumer complaint received 2018-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

XXXX XXXX is reporting late payments after my loan was paid off. I paid my loan off in XX/XX/XXXX, which the attached report shows it was XXXX balance paid off. Then when I got a new credit report pulled in XX/XX/XXXX XXXX XXXX has 2 NEW late payments on a PAID OFF and closed account for XX/XX/XXXX and XX/XX/XXXX. 
I disputed these and the bureaus and XXXX claim they are valid. I want to know exactly, how NEW LATE PAYMENTS are accurate when the account has been paid. This has affected my financing and caused me to LOSE a house. So XXXX XXXX needs to delete these late payments or the next correspondence will be from my attorney. The bureaus are in violation as well. I mean this is ridiculous.
Consumer complaint received 2019-06-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

XXXX  ( now XXXX XXXX ) agreed to terminate my Merchant Service Agreement on XX/XX/15. XXXX XXXX, bank branch officer, was given a copy of the letter terminating my agreement. Since the termination, on a monthly basis, XXXX XXXX has been allowed to debit my account anywhere from $ 40- {$120.00}.

This has added up to between $ 2500- {$3000.00}, the exact amount being difficult to determine. The reason it is difficult, as you will see on my attached document, the bank has made it very difficult to know it was being charged by a third party. This is why it was not picked up till 4 years later. The bank told me that anyone can debit an account and it can only be stopped by the owner of the account. They said take it up with XXXX XXXX. I am contacting you for help.
Consumer complaint received 2018-01-08
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc (LA)

Despite my three requests to delete the speedy cash account that ad astra is trying to collect on that I do not own, Ad astra still remain to report the UNVERIFIED account. The account remain on my credit report in violation of federal law. In the results of AD ASTRA re-investigation AD ASTRA stated in writing that the items on the account is being reported correctly and that they verified the account sold to them by speedy cash that I do not own. I have never had a Contract with speedy cash or AD ASTRA and I still DO NOT have an account nor CONTRACT with the companies. They still have not identified who in their company verified the accuracy of the account or how they verified them. XXXX 's Law Dictionary, 6th edition 1990, defines " verification '' as confirmation of correctness, truth or authenticity, by affidavit, oath or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in arerments or statements of persury. AD ASTRA failure to provide me with verifiable proof required for they company to post the account is evidence that it does not exist and therefore is proof that AD ASTRA can not properly verify the accuracy of the disputed account. Under section 611 ( 5 ) ( A ) of the FCRA, AD ASTRA are required to promptly " DELETE all information which can not be verified. DUE TO AD ASTRA willful disregard of the law I intend to pursue litigation in accordance with the fcra to seek relief and recover all monetary damages that i may be entitled to under section 616 & 617 if the unverified account are not deleted within 10 days. AD ASTRA is violating the law by not deleting the account after several requests for the account to be deleted if it wasnt verified. I am well aware that a bill is not verification of a debt. I also stated to AD ASTRA that I wanted to see a contract or something with my signature on it which they did not and can not provide because the account is not mine. AD ASTRA has it bad about not responding to a request and just putting verified as the dispute resoultion without correctly handling the situation. The law is very clear as to the civil liability and the remedy available to me.
Consumer complaint received 2018-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (TX)

I took advantage on XX/XX/XXXX of an American Express promotion to receive XXXX XXXX XXXX points after adding an authorized user and spending {$1000.00} on the authorized user 's card within three months of adding it. This spending threshold was met on XX/XX/XXXX. On that date I contacted AmEx 's customer service by online chat through their banking portal, and was told the points should post within 6-8 weeks. 

These points have never posted, despite several follow-up contacts on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX.
Consumer complaint received 2018-04-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CO)

I am having two issues with this company. One is that I  accidentally paid my property taxes when they are supposed to so the city has advised they will issue a refund to the mortgage company. I asked my mortgage company for a refund. No response. 

My second issue is that I have requested, in writing, for them to remove my pmi charges from my mortgage. I got an email that theyll address within 5 business days. No response since then.
Consumer complaint received 2018-04-14
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: EQUIFAX, INC. (IN)

XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX= I did not authorized ( Dont know who they are ) XXXX XXXX XXXX Inquiry from XX/XX/XXXX=I did not authorized ( Dont know who they are ) XXXX/XXXX Inquiry from XX/XX/XXXX=I did not authorized XXXX/XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2024-09-09
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On XX/XX/2024 I was informed by Capital One that my account was being closed due to my past criminal convictions. I want to emphasize that none of my past convictions involve fraud or financial crimes. Despite this, Capital One has decided to close my account, which I believe is both unfair and possibly discriminatory. I reached out to Capital One to seek clarification on this decision, but the explanations provided were vague and did not adequately justify the closure of my account based on my past, especially considering that I have not been convicted of fraud. The closure of my account has caused significant inconvenience and financial disruption. I have been a loyal customer of Capital One and have maintained my account responsibly. Not to mention they closed my account after I paid a XXXX $ bill. I request that Capital One either reopens my account especially since the closure does not seem to be related to any fraudulent activity. I appreciate your assistance in this matter and look forward to a prompt and fair resolution. Thank you for your attention to this issue.
Consumer complaint received 2018-04-13
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: EMG ACQUISITION GROUP, LLC (LA)

I was disputing a loan amount and requested that in the interim, my account with the payday loan company be transfixed until the issue of my consumer rights violation could be resolved and the company never responded to CFPB and Im turn, CHARGED my bank account for {$380.00} on XX/XX/18, this causing me to be late with other bills. I was consequently assessed a {$130.00} lien fee to my storage unit because I couldnt pay them, because XXXX XXXX XXXX TOOK the money and was NOT authorized on XX/XX/2018 to do so. I hereby dissolve and rescind and/or revoke any and all of their claims ( real and perceived or implied ) to any authorization to my bank account or applicable cards in case there should be any further mishap ; this statement by myself is thereby documented via this complaint as such.
Consumer complaint received 2019-11-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (IL)

On XX/XX/19 I received 2 emails from PayPal stating there were transactions on my account to a person named : XXXX XXXX email : XXXX. Two transactions for XXXX and XXXX CAD. I called and filed a dispute on the transactions to cancel them and stop them from going through. Within 8 hours I received emails from PayPal stating that the claims were denied as they found the transactions to be " not unauthorized '' allowing the transactions to continue, making me have to file fraudulent charges on the transactions with my bank. I also received an email from PayPal while I was making the complaints on the transactions that there seemed to be suspicious activity on my account. Yet the transactions were still allowed to continue.
Consumer complaint received 2018-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

With failure to regulate credit reporting agencies, or their ability to continually lie, misinform, and fail to investigate factual issues, instead just consider their own financial well being without serving the consumer. In order to join the pending class action against XXXX, or not join I sent XXXX a copy of all my identifications, social security verification, and address verifications, and they still refuse to investigate information. In their response they list my actual name, but embedded within their report is a name that is not legally my identification, which is the method they use to continue reporting inaccurate information. Additionally, In a previous disputes which has caused me economic harm, they have listed two public records bankuptcies, which I disputed, they responded with they verified the information with a third party and it remains, I contacted the third party vendor concerning the entries, and received a letter which i provided to XXXX, which was ignored, and a response that they wouldn't reinvestigate information that they have previously investigated, given the fact that I proved that their information was inaccurate, they continue to fail to perform their statutory duties under the regulations.. Most recently on XX/XX/18 i received a letter stating that they refused to reinvestigate a entry on my credit report, XXXX, indicating that they had previously investigated it. In that request, i provided proof of my name, address, social security number to XXXX, and they still refused to reinvestigate, considering the fact that they entry is verified with inaccurate information on their part, but in their statue violation performance when information doesn't verify, XXXX will just add the name of the wrong person, to justify their entry. In this XXXX entry, XXXX  previously deleted an account reported as XXXX XXXX XXXX XXXX, which is the same company as XXXX, but refuse to delete this unverifable entry. 
It is my belief that XXXX will ignore their responsibility to factually report accurate information to the CFPB, which again will give me leave to join the pending class action against them for the same performance.
Consumer complaint received 2018-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

With failure to regulate credit reporting agencies, or their ability to continually lie, misinform, and fail to investigate factual issues, instead just consider their own financial well being without serving the consumer. In order to join the pending class action against Experian, or not join I sent Experian a copy of all my identifications, social security verification, and address verifications, and they still refuse to investigate information. In their response they list my actual name, but embedded within their report is a name that is not legally my identification, which is the method they use to continue reporting inaccurate information. Additionally, In a previous disputes which has caused me economic harm, they have listed two public records bankuptcies, which I disputed, they responded with they verified the information with a third party and it remains, I contacted the third party vendor concerning the entries, and received a letter which i provided to Experian, which was ignored, and a response that they wouldn't reinvestigate information that they have previously investigated, given the fact that I proved that their information was inaccurate, they continue to fail to perform their statutory duties under the regulations.. Most recently on XX/XX/18 i received a letter stating that they refused to reinvestigate a entry on my credit report, XXXX, indicating that they had previously investigated it. In that request, i provided proof of my name, address, social security number to Experian, and they still refused to reinvestigate, considering the fact that they entry is verified with inaccurate information on their part, but in their statue violation performance when information doesn't verify, Experian will just add the name of the wrong person, to justify their entry. In this XXXX entry, experian previously deleted an account reported as XXXX XXXX XXXX XXXX, which is the same company as XXXX, but refuse to delete this unverifable entry. 
It is my belief that Experian will ignore their responsibility to factually report accurate information to the CFPB, which again will give me leave to join the pending class action against them for the same performance.