davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-23
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Colony Brands, Inc. (OK)

After Montgomery credited the late payment fees, I did have scheduled a {$40.00} payment as said in previous complaint. I failed to put the {$40.00} in that checking account because I got payed late. I called Montgomery and fought the automated system to get ahold of someone when I finally did I spoke with a credit supervisor about a frustration I had. I got charged a return check fee, and after making that {$40.00} minimum payment due I got told i need to pay for another {$20.00}. The very rude supervisor abruptly told me that they do not credit return check fees as life doesn't happen. I proceeded to ask her why am I being charged again when I already made the minimum due payment, she says that was a past due balance and I owe {$20.00}. I asked her why wasn't it included in my minimum payment, because normally when you owe past due your monthly payment is due with it. She again said that {$20.00} is due avoiding my question. I advised her that if I owed that {$20.00} this month it would've been included in my {$40.00} payment, and it would've said XXXX if. She proceeded to once again tell me that the {$20.00} is due. I advised her I wanted to close the account due to her rude behavior and I no longer would like to continue my service with you guys. This is unacceptable. Life happens and people forget, I understand there are fees but when you can not void a simple {$25.00} fee it becomes frustrating especially when a Supervisor can not seem to tell you the reason why your now due payment wasn't included in your minimum due. I am completely disgusted what I experienced.
Consumer complaint received 2024-07-23
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. (TX)

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 in XXXX 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc. (TX)

I am writing to file a formal complaint against SWRecovery concerning a matter that has left me with no choice but to seek your intervention. My name is XXXX, and I recently discovered an unauthorized debt reported on my credit report by SWRecovery. 

Here are the key details of the case : Unauthorized Charge : SWRecovery has reported a debt on my credit report, claiming an account that I have never opened or had any association with. 

Communication Challenges : The contact number provided on their website is unresponsive, and despite leaving numerous voicemails, there has been no response. Additionally, emails sent to XXXX have gone unanswered, making it impossible to resolve the matter through direct communication. 

Unsuccessful Dispute Attempts : Despite my persistent efforts to dispute this charge since XXXX, all attempts have been met with failure. 

In light of these challenges, I have no choice but to escalate this matter to the Consumer Financial Protection Bureau and seek your assistance in resolving this dispute. I have attached relevant documentation, including communication records and proof of my attempts to resolve the issue.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc. (FL)

Per 15 USC 1681 FCRA as a federally protected consumer I am intitled to fair and accurate credit reporting. On XX/XX/XXXX I reached out to CREDIT COLLECTION SERVICE concerning a debt of {$98.00} which the original creditor was XXXX XXXX XXXX XXXX. I agreed to pay the debt with specified instructions that CREDIT COLLECTION SERVICE contact all credit reporting agencies reporting the collection on my credit profile and have it updated from a negative collection account to PAID IN FULL or PAYS AS AGREED promptly. As i've continued to monitor my credit profile through XXXX, XXXX AND XXXX the account is still showing as a negative remark in collection after ive given CREDIT COLLECTION SERVICE precise instruction as to the correct and accurate reporting of the account to my credit profile which they fail to perform and is a direct violation to my rights as a federally protected consumer.
Consumer complaint received 2024-01-07
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. (NC)

This company has refused to provide a copy of the purchase agreement, bill of same and the chain of assignment for the debt. A certified letter was sent to them in XXXX of 2023, the company chose to not respond and furnish unverified information to my consumer report.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according XXXX ( b ) ( XXXX ).
Consumer complaint received 2024-01-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (FL)

I am writing to you to express my serious concerns and dissatisfaction with the response provided by LVNV Funding LLC and Resurgent Capital Services L.P. to my original complaint filed with your bureau ( CFPB Case # : XXXX ). The response I received is not only unsatisfactory but also appears to contain misleading or false information, which exacerbates my situation and distress. Firstly, LVNV Funding LLC claims that they sent me a letter, which I have never received. Furthermore, there is no record of such a letter in the USPS mail tracking system, suggesting that the claim of sending the letter is false. This not only misleads the CFPB but also violates my rights as a consumer under the Fair Debt Collection Practices Act ( FDCPA ). Secondly, the lack of proper validation of the alleged debt, and the failure of the agency to provide clear and accurate information, has left me in a state of uncertainty and frustration. The agencies have failed to provide substantial evidence that substantiates their claim, making it impossible for me to take appropriate action or defend my position. Given these circumstances, I urge the Consumer Financial Protection Bureau to take a more in-depth look into this matter. The behavior of LVNV Funding LLC and Resurgent Capital Services L.P. raises serious questions about their compliance with federal laws designed to protect consumers from unfair and deceptive practices. I request a thorough investigation into their conduct and appropriate action to ensure compliance with the law. Furthermore, I seek guidance on how to proceed under these circumstances. The distress and potential harm caused by these unsubstantiated claims and the lack of transparency in their communication are matters of great concern.
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MO)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-01-08
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Payfare International Inc. (GA)

On XX/XX/XXXX, I was charged {$66.00} at a location called XXXX. This is not my transaction, nor anyoneI know as my card is ALWAYS on my person. I called in to XXXX XXXX ( XXXX ) and have tried to resolve this for several months. I cancelled the card and received a new one. They claimed they sent out an email for me to fill out, I could not find it so they resent another one on XX/XX/XXXX. I filled out immediately the same day and never heard from them again. In the process of them claiming they sent the first email to the second one, I was in the hospital for a bad reaction to XXXX. I called again on XXXX XXXX to find out what's going on with the refund, andI was hung up on 3 times! The last person told me I did not return the form in time ( XX/XX/XXXX ). I responded I did not receive the first form, ( I went back and looked in spam and regular email ) and I was hospitalized. Also, why would they resend the form on XX/XX/XXXX???? The lady hung up on me and told me they would not be issuing a refund due to my negligence!!!
Consumer complaint received 2024-01-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Axiom Acquisition Ventures, LLC (AL)

Company taped incorrect financial information and warrant on a house that I do not live, in a state that I do not live in exposing my personal information to random people. This information was screenshot and sent to someone else, who then sent to me. Was not properly served, did not provide validation of debt, and have never done business with this company. In addition to not properly serve, it is in the incorrect jurisdiction, XXXX  hours away from where I live.
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credence Resource Management, LLC (TX)

XXXX XXXX I filed a complaint dispute with XXXX XXXX and XXXX on behalf of information they are listing from Credence Resources Mana, XXXX. XXXX, XXXX and XXXX XXXX XXXX 
Per the FCRA, as a federally protected consumer, I am now opting out all authorization I the consumer may have given you. This includes verbally, nonverbally, written and unwritten permission per 15USC 6802. Effective immediately and indefinitely.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX 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 2024-03-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (AL)

This would be my second complaint as the first was no where near complete. I had a total of {$95000.00} withdrawn from my checking account and Wells Fargo returned {$35000.00} of it. They have gone on to say that the remaining amount was my fault and they " assume '' it was me. I have stated over and over that it makes no sense to refund any of the amount if you " assume '' I am the one who has done this. If Wells Fargo was so positive of this fraud being me, they would not have returned any of the money that belongs to me. There is more to the story and I have yet to hear any of it. I have still yet to hear where the money has gone or if there's even a little bit of chance I'll get the money back. Like stated, it makes no sense to refund some of the money but then accuse me of the other bit of it. No one would do such a thing.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (AZ)

There are multiple lines of credit open through XXXX XXXX XXXX XXXX that are close to {$15000.00}. There is also an open auto loan through the same credit union for about {$42000.00}. There is also a credit card through Chase bank that is open, a XXXX XXXX store credit card ( possibly the one through Chase ), and 2 other names besides mine on my credit report. None of these things are mine.
Consumer complaint received 2024-02-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (GA)

Freedom Mortgage company has reported fraudulent information on my credit report and on my annual 1098 form. The amounts listed on our current billing statement and our 1098 form are completely different. The amounts on the 1098 have been inflated. Our premium payment has tripled since inception of the loan. They have consistently inflated numbers, with no refunds or credits to our principal balance when premiums change. We have had a recent change in premium. It has decreased ; however, we have not received any credit or refund check to reflect this change. They have consistently done this for the life of the loan. I confirmed amount of payoff from a FHC agent and email. Versus what the 1098 states. They have inflated amounts that we actually owe. This is fraudulent activity!
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (CA)

Firstly i would like to make it clear that this account is reporting as charged off and the debt is now considered a CERTIFICATE OF INDEBTEDNESS and is now also considered income WHICH SHOULD NOT BE REPORTING ON CREDIT REPORT. I am writing to request a detailed and accurate accounting of my debt, which is currently being managed by your company. As a debtor, I believe it is my right to have access to precise and transparent information regarding my financial obligations. To ensure the integrity and clarity of the financial information provided, I kindly request that the accounting of my debt be conducted in accordance with Generally Accepted Accounting Principles ( GAAP ). This will help ensure that the financial statements and records are consistent, comparable, and reliable. 
The details of my account are as follows : 1.Account Number : [ Your Account Number ] 2.Original Creditor : [ Original Creditor 's Name ] 3.Date of Debt Acquisition : [ Date ] 4.Current Balance : [ Current Balance ] As a federally protected consumer I am now opting out of any and all authorizations, I the consumer may have given written, unwritten, verbal and non verbal per 15 USC 6802. Due to the misinformation reporting on my credit report it is hindering my family and I because I am in the process of buying a home.
Consumer complaint received 2024-02-21
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (AZ)

I attempted to use my Vanilla card at several retail locations and it wouldnt work. I contacted the company XX/XX/XXXX and completed all of the information required by the company for them to correct the issue. Vanilla correctly noted that the balance on the card is {$100.00} and disabled the card that is in my possession. I did not receive a replacement. I contacted Vanilla customer care on XX/XX/XXXX. Was told a new card was mailed on XXXX. I said I didnt think that was correct because I hadnt completed the required information until the following day. Was told to just watch for it in the mail. Still have not received the replacement card.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

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 : XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX 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 XXXX 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 2023-12-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (MI)

I closed my American Express credit card in XXXX, XXXX, and subsequently cut up and disposed of the card as my husband and I were no longer flying to destinations. On XX/XX/XXXX, I received a notice from American Express that my credit card charge was overdue. I called American Express to inform them that this was a fraudulent charge and needed to be sent to the attention of their fraud department. Subsequently, I received notice from XXXX XXXX that I had an overdue account ( American Express ), so I filed a dispute with them. I called American Express again to find out what they needed to investigate this matter and personally spoke with their fraud department representative, but they offered no help. I looked up the charge myself and gathered the following information : around XX/XX/XXXX, someone used my American Express credit card number to make a purchase at XXXX ( which has a XXXX XXXX, CA, base ) in the amount of {$200.00} for an event titled " Loud Luxury ''. I once again called American Express with this information as they continued to send me statements for this charge, and my call was forwarded to the fraud department, so I inquired as to what more information they required. They responded with a letter dated XX/XX/XXXX, informing me I did not provide sufficient information for them to conduct a reasonable review of my claim. On XX/XX/XXXX, they sent me a letter to let me know the charges were now {$510.00} and they were transferring my account to XXXX XXXX XXXX XXXX, for collection.
Consumer complaint received 2024-07-23
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. (FL)

My repeated efforts to resolve the issue of false, inaccurate, and misleading information on my consumer report have been unsuccessful. These entries have severely disrupted my life, causing considerable stress and XXXX. As a victim of identity theft, I must emphasize that I never authorized or agreed to have this information associated with my name.