davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

In XX/XX/year>, my USAA Federal Savings Bank account was closed without warning after fraudulent charges were made on my account. I immediately filed disputes for the unauthorized transactions, which totaled over {$5000.00}. USAA accepted the disputes and credited the funds back to my account, acknowledging that the transactions were fraudulent. 

However, shortly after, USAA unexpectedly closed my account and began holding the credited funds, totaling over {$5000.00}. Despite repeated requests, I have been locked out of my account and am unable to access or even view my account status. I have asked for access to my account until the funds are released or for a check to be sent, but USAA has not granted either request. 

Their failure to release my funds has caused me significant financial hardship. I run a business and have been unable to access the capital needed to maintain my operations. This has resulted in lost business opportunities, significant delays, and potential damage to my reputation. Ive had no choice but to consult an attorney regarding my legal options, and I am now preparing to file a lawsuit against USAA for the damages theyve caused due to their unfair practices. 

To date, USAA has not offered any resolution, and their refusal to communicate has compounded my financial losses. I am requesting immediate action from USAA to release my funds and provide a fair resolution to the hardship theyve caused me and my family. 

Actions taken : XX/XX/year> : Filed disputes for fraudulent transactions totaling over {$5000.00}. 
XX/XX/year> : USAA credited the funds but then closed my account without explanation. 
Multiple requests have been made for access to my account or to have a check sent, with no response from USAA. 
Consulted an attorney about pursuing legal action for lost business and financial hardship caused by USAAs practices.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (TX)

I am writing in response to a collection notice I received from your agency regarding a debt that you claim I owe. I am requesting validation of this debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). Please provide me with the following information :.

1. The original creditor of the debt 2. The amount of the debt 3. The date the debt was incurred 4. Any documents proving that I am responsible for this debt 5. A copy of the original contract or agreement I am also requesting that you cease all collection activities until this debt has been validated. Please send me the requested information within 30 days of receiving this letter.

Sincerely,
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (MS)

You are in Violation of the Fair Credit Reporting Act. The information you have on my credit report is incorrect and causing a negative impact on my credit, my livelihood, and ability to obtain employment. This has also hurt my ability to get a loan from lending institutions. I did not consent to them doing this. 15 U.S.C 1681 section 602 A. Clearly states that 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 tarnish an account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purposes. Remove all late payments hard inquiries from my credit report immediately and update this account immediately as you are in direct violation of several laws under the Fair Credit Reporting Act you are in violation of 15 USC 1681 section 602 a you are in violation of 15 USC 1681 section 604 a section 2 you are in violation of fifteen USC 1666 B which is hurting my ability as an XXXX American woman to do business in this country..... I want this and any all-other violations removed ASAP!!!
Consumer complaint received 2024-09-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (GA)

Today I received a letter saying I'm in default but I make my payments on time. This is also the company that changed my loan when I was at the dealership I was told my vehicle was {$8000.00} payments 3 years but I paid {$1500.00}, making my amount owed less, they and the motorvation did a bait and switch for a vehicle that has XXXX miles now they are reporting to the credit bureau I'm in default I want my credit back and credit for my loan they switch up
Consumer complaint received 2024-09-12
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

I went to comenity.net/torrid on XX/XX/XXXX to make a payment and paid my full balance of XXXX. On XX/XX/XXXX, I received an email to make a minimum payment of XXXX. Confused, I went back to the site and saw that I had a balance of XXXX. I called the comenity today, XX/XX/XXXX and was advised that this is a late fee. I questioned the fee since I paid the full balance at the time and XXXX advised that the late fee was added after the fact. I told him that I wanted the balance adjusted off since I paid the full balance as per what was on the screen of XXXX on XX/XX/XXXX and was advised that only XXXX can be adjusted off. I was transferred to a supervisor and was advised the same. She advised that she would adjust off XXXX and I told her that she would lose a long-time customer for XXXX and to close my account and that I would file a complaint against them. She didn't seem bothered at all by it.
Consumer complaint received 2024-09-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (FL)

When we bought our car at a Toyota dealer, we bought GAP insurance through Toyota Financial Services, we paid off the car on XX/XX/2024 and had a balance in our favor of {$510.00} from the GAP insurance, we never received this money, upon contacting Toyota Financial Services they said we cashed out the check, we explained we didnt receive any check and ask for a copy of the check in order to do a police report, until now we have not received the money the owe us nor the copy of the check. Their customer service is horrendous and unwilling to help, they only repeat over and over that we cashed the check that we never received.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital One Auto Fin account is reporting inaccurately for the year of XXXX i have been on a payment plan with this company. Please correct incorrect late payments reporting for the year XXXX.

See 15 U.S Code 1666b please remove incorrect late payments.
Consumer complaint received 2024-09-12
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (RI)

Subject : Dispute of {$230.00} Charge on Closed Account Ending in XXXX I am writing to formally dispute a recent {$230.00} charge on my Sephora Visa Credit Card account ending in XXXX. My last payment of {$540.00} was made in full on XX/XX/scrub> 2024. Despite this, I noticed a {$26.00} charge on my account the following month, which was unexpected given that the previous month 's balance had been fully paid.

Upon contacting customer service, I was informed that this charge was a late fee for not paying the {$540.00} by XX/XX/scrub> 2024. I requested to pay any outstanding late fees and close the account to avoid further charges. Although the representative suggested keeping the account open to have the late fees removed, I preferred to close the account to avoid ongoing fees. The representative confirmed that my only outstanding balance was {$26.00}, which I paid promptly, and I was assured that the account was closed.

However, I have since received calls and letters indicating a {$230.00} late fee on this closed account, which I believed had been paid off in full. I have previously sent a letter to the company seeking clarification, but the issue remains unresolved and I am still being charged.

Please review this situation and provide assistance in resolving this matter. I would appreciate your prompt attention to this issue.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Systems,Inc. (DC)

Hello, I have been a victim of identity theft since 2009. There have been plenty of accounts started in my name and social security. I have disputed a many of items, however they still remain on my report. This is holding me up from progressing in life as provider for my family. Also the dispute was submitted and the claim is more than seven years old. Once I disputed an educational debt. I was told it started over. I need help removing this. My job is now asking for me to sign a contact giving access to checking my report. I have been working this job for five years. I can not afford to lose this job due to something that is absolutely not me. Please help!
Consumer complaint received 2024-09-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kimball, Tirey & St. John LLP (VA)

I got a call from KTS collections on XX/XX/year> around XXXX east. They did not state who they were when I answered until later in the conversation. They said a paper about the debt was sent to an address I haven't lived at in 6 years. They refused to email me anything on the matter and they threatened that if it is not paid by XX/XX/XXXX my credit would be negatively impacted. I dont know if this a scam, but it seems very scam like to not be able to send any verifying information and to threaten to negatively impact my credit.
Consumer complaint received 2024-09-11
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: Affirm Holdings, Inc (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear AFFIRM INC, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Missouri Revised Statutes, specifically Section 570.223, which covers identity theft.

It has unequivocally come to my attention that AFFIRM INC has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri law, under Section 570.223 of the Missouri Revised Statutes, emphasizes the gravity of unauthorized access and misuse of personal information, particularly in cases of identity theft and fraud. This statute further underscores the importance of ensuring that consumer information is handled lawfully and only with proper consent.

I assert with unwavering certainty that I have not provided consent for AFFIRM INC of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and a clear disregard for federal and state laws. 

I demand, with the utmost certainty, that AFFIRM INC immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws under Missouri Revised Statutes Section 570.223 .

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that AFFIRM INC will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (MS)

You are in Violation of the Fair Credit Reporting Act. The information you have on my credit report is incorrect and causing a negative impact on my credit, my livelihood, and ability to obtain employment. This has also hurt my ability to get a loan from lending institutions. I did not consent to them doing this. 15 U.S.C 1681 section 602 A. Clearly states that 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 tarnish an account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purposes. Remove all late payments hard inquiries from my credit report immediately and update this account immediately as you are in direct violation of several laws under the Fair Credit Reporting Act you are in violation of 15 USC 1681 section 602 a you are in violation of 15 USC 1681 section 604 a section 2 you are in violation of fifteen USC 1666 B which is hurting my ability as an XXXX American woman to do business in this country. I want this removed from my report ASAP!!!
Consumer complaint received 2024-09-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: U.S. BANCORP (FL)

On XX/XX/XXXX I sent Us Bank via email the application for mortgage assistance. Via mail Us Bank requested additional information that I sent to them on XX/XX/XXXX ( proof of income for XXXX and I ). I called and spoke to a representative on XX/XX/XXXX about an agency with the city of XXXX making a {$1700.00} payment for my XXXX mortgage payment. I called today XX/XX/XXXX and was advised my application had been removed. The agent I spoke to could not tell me who authorized the application to be removed. Said that I would have to submit a new application. I asked to speak to a supervisor was put on hold for more than 15 minutes and was eventually randomly hung up on.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (OR)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ID Analytics, Inc. (TX)

I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.
Consumer complaint received 2024-09-11
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (PA)

A company Fair Collections & Outsour ( per credit report ) is illegally and unethically trying to collect a fabricated debt! 

There is no such debt and property management company ( XXXX at XXXX 's XXXX ) intentional skipped steps of due process for confirmation of debt. There is notated retaliation and scams of rental company using such actions. 

Fair Collections & Outsour has not properly communicated with me or other parties for dispute process. The company also has added other to file in a biased and unethical manner!
Consumer complaint received 2024-09-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (CT)

I need to know about why wasnt the {$1000.00} unauthorized withdrawal refunded back to me that happened while I was incarcerated I showed prove of that smh and this bank keeps ignoring that part as well. I deserve some type of reimbursement Talk to XXXX XXXX at the XXXX location please # XXXX XXXX XXXX XXXX was the investigator I should be reimbursed that {$1000.00} I had nothing to do with these transactions I didnt approve any of it this is not right Look into XX/XX/year> transactions from someone named XXXX XXXX ( {$1000.00} ) I need to be refunded that money
Consumer complaint received 2024-09-15
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: CAVALRY INVESTMENTS, LLC (PA)

This complaint is in regards to Cavalry Portfolio Services , LLC for Account # XXXX I refused to pay this alleged debt since I feel it was not validated. Mark this account cease and desist!

.

Under 15 U.S.C. 1692c ( c ), If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt the debt collector must cease all communication. 

Reporting to my consumer report is a form of communication. Delete this alleged debt from my credit file, which you are reporting to the consumer reporting agencies, in accordance with the cease and desist notification in this complaint.
Consumer complaint received 2024-09-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

I had received a payment to my Venmo account for a piece of furniture I sold to someone. About a day after I received the payment, I received an e-mail saying my account was suspended but they wouldn't give me a reason why other than that I had broken the " Terms of Agreement ''. They also stated my Venmo account was on social media platforms of mine, but I have no social media with my Venmo attached to it. I had reached out to them to try to resolve the matter, and they initially asked for my ID. So I sent it in hoping this would fix the issue. Then they sent me an automated response exactly like I received initially saying that I was banned and that the decision was final. In frustration, I closed that account and tried to open a new one. The new account was seeming to work just fine. Then I received a payment from a friend for dinner and had realized my debit card was not yet connected to the account. Once I went to put it in, my account was immediately banned yet again, and my {$90.00} is stuck in the account. I think Venmo/PayPal is not providing proper assistance to help customers who have been wrongly suspended, and also not providing them with information as to their decision. This is a service many people use and depend on for various things, and for them to revoke privileges, especially when someone is using it for what it is intended to be used for is quite frustrating and honestly wrong for consumers.
Consumer complaint received 2024-09-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC (CA)

I sent in a validation of debit letter to the company and have been receiving many phone calls where i have given notice to only contact me by mail under the fair credit act. they continue to call daily even after being asked to only be contacted by mail. This debit was taken off my credit due to fraud and is over 10 years old they are trying to create the debit and collect on fraudulent debit
Consumer complaint received 2024-09-15
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Maury Cobb, Attorney at Law, LLC (NJ)

I closed my XXXX account on XXXX. My information including current address and current phone number were updated. I contacted them to ensure I paid any outstanding balance before closing. I looked at my credit report and score on XXXX and it had dropped XXXX points in a period of ten days because of a Collection notice from XXXX. I did not know who this was. I looked into it by researching on XXXX. It appeared XXXX had sent a debt I did not know about to XXXX without contacting me. I called XXXX customer service immediately and the rep said to go to the store the next day. I did. On XXXX, XXXX, the rep at the store showed me XXXX was referencing an old address and an old mobile number on file to contact me about a balance I was unaware of, and I was confused because I had already updated all that with XXXX when I closed my account on XXXX. He got customer service on the line, I paid the balance immediately in the store and I asked to have this debt and collection notice removed. I did not know who XXXX was. A letter dated XXXX arrived a few days AFTER by letter from a lawyer named Maury Cobb trying to collect the debt. I called XXXX ( listed on the credit report as the Collector ) and they said I had to call Maury Cobb. I don't understand what this debt was I the first place since I was told I had settled balances with XXXX when I closed my account but I have now paid the balance of {$200.00} directly with XXXX in-store . Now I can't get XXXX to remove the collection from my credit report. I also don't understand how {$200.00} can cause my credit score to plummet XXXX points in a period of ten days, especially because I was never contacted by XXXX about the balance between XXXX and XXXX ( when I discovered the collection ). I was never contacted by XXXX or Maury Cobb. This is predatory behavior. XXXX needs to be held accountable for how they mishandle outstanding balances, any collection notices and their practice of sending it to collections without notifying the Consumer when an account is closed. They punish Consumers for leaving XXXX. XXXX is renowned for selling phone number and personal information including email addresses to scammers, I frequently get junk email and spam phone calls because XXXX sold my information when I had accounts with them.