davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

I took notice to inaccurate information on my credit report. The accounts goes as follows ; [ 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 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  ] The inaccuracies are that I was " late '' when I never was. This is tarnishing my reputation. This is violation of multiple federal laws set forth by Congress in regards to the above accounts. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, late payment status ), between the consumer ( myself ) and the person ( CREDITOR ) making the report. 

Additionally, a creditor CAN NOT mark a consumer as late for any reason/purpose as it violates 15 USC 1666b - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This is my consumer instruction ; remove all late payments from each account and update the reporting to reflect current/paid as agreed never late. 

I am not in dispute of the ownership of the accounts so there is no need to " verify '' it, but if your company insists on " verification '' of these late payments then I request that you mail me a copy of the complete consumer file that you maintain concerning me after you act on this dispute. Note, the term file means all of the information on [ me ] and retained by [ you ] regardless of how the information is stored. 15 U.S.C. 1681a ( g ). Therefore, it is unlawful to send me a partial disclosure and not the entire file. 

If you verify or deem the item of information that I disputed above as accurate and complete, then I request a description of the procedure used to determine the accuracy or completeness of the information including the business name and address of any furnisher contacted in connection with such information and the telephone number of such furnisher, pursuant to the provisions of 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), in no later than fifteen ( 15 ) days after making such determination. See 15 U.S.C. 1681i ( a ) ( 7 ).
Consumer complaint received 2024-09-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I am writing to file a formal complaint regarding an unauthorized transaction made by XXXX XXXX using my closed debit card associated with my Capital One Bank account. On XX/XX/year>, XXXX XXXX deducted {$2100.00} from my account without my consent or authorization and Capital One paid the transaction even though I didnt have even close to this amount available in my account. 

I had cancelled and closed my debit card linked to my Capital One Bank account a couple weeks prior due to security reasons. Therefore, I am deeply concerned as to how XXXX XXXX was able to process a transaction using a cancelled card. This is a clear violation of my privacy and security, and I demand immediate action to rectify this situation. I did not provide any authorization for this transaction to take place. 

I urge Capital One Bank to investigate this matter thoroughly and provide a resolution promptly. I demand the full amount of {$2100.00} to be reimbursed to my account immediately. I also request that measures be put in place to prevent such unauthorized transactions from occurring in the future. 

I trust that Capital One Bank will take this matter seriously and provide a satisfactory resolution to this issue. I expect a response within 7 days regarding the actions taken to address this complaint. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-09-29
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Rosebud Economic Development Corporation (TX)

Zoca Loans hired a collection company, actually 2 different debt collection companies. The first is XXXX XXXX  XXXX. The second does not have a website address anymore. The first company called a family member several times, stating they were from a legal company had a lawsuit filed and needed to find me. I then spoke to the company and a man on the phone stated they were going to have me arrested for bank fraud and I would never be able to open another checking account again. They then began screaming and yelling at me after I declined to give payment information over the phone. I believe the collection company was XXXX. They stated they collected for Zoca loans. 

I told the collection company, I was working with a debt repayment company. I have been getting unverified phone calls from fake process servers telling me to be home between certain hours. If I am not home, it will be considered a refusal to pay the debt back and legal action will be taken against me. No phone number or name was left. I then received a call from a person named XXXX at XXXX. The number is a XXXX XXXX or burner phone number. The debt relief company called and there was no response. They did answer the phone last week stating they would stop certified mail since I called. We have called and attempted to contact both companies about the debt. 

One of the companies is holding the debt without validity. I can not pay two collection companies. XXXX XXXX  XXXX have the information on my credit report, but I am also getting unprofessional scary, and stocking-like phone calls from the second company. The phone calls are making me feel as if my life is in danger. We need to come to a resolution on who we are paying. My debt relief company is not going to work with 2 companies and also when they are acting suspiciously and elusive. I have not received any paperwork on the debt in the mail either.
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Velocity Portfolio Group (AL)

Received a smalls claims summons from a process server from a Debt Collector Velocity Investments , LLC on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Supposedly I took out out close to {$5000.00} on XX/XX/XXXX, but that is impossible as my father was sick and I was on my way to Ohio to see him and he died XX/XX/XXXX. Needless to say I was distraught and couldn't have tried to take out a loan at that time. I have never heard of this company and feel that I am a victim of fraud.
Consumer complaint received 2024-09-29
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Rosebud Economic Development Corporation (TX)

I was contacted by XXXX XXXX XXXX  The woman on the phone began yelling at me immediately stating I owed a debt. She then hung up me after saying they had been attempting to collect money owed to Zoca loans. This was the first phone call they had made to me. 

The debt is now on my credit report. There are also 2 collection companies trying to collect on the same debt.
Consumer complaint received 2024-09-19
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA (NC)

I was told by Marcus that they like to go rogue and randomly invent and fabricate fictitious account details of an account that never existed for authorized users - and theyre allowed to invent their own facts and rules. 

I had removed an authorized user on my account on XX/XX/year>. 

Namely, if an authorized user is on my account- their credit report should report the account details of my actual account. I was told - no - Marcus doesnt feel like abiding by these established rules. They just go rogue and invent randomly fictitious account details on the authorized users credit report - including- for XXXX XXXX  - a false and fictitious account opening date and a false and fictitious account closing date ( even though the account is not closed ) Marcus thinks theyre allowed to go rogue and invent randomly fictitious credit reports for people that are not accurate because they feel the customer service department are allowed to unilaterally make up and invent their own laws and rules
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: SOFI TECHNOLOGIES, INC. (DE)

I purchased plane ticket from XXXX XXXX on XX/XX/XXXX for $ XXXXThe authorization went through on my SoFi XXXX ( debit card for checking acct ) that day. On XX/XX/XXXX, both the authorization *and* a charge for that same amount were deducted from my checking account. I called XXXX and they said they were given information from XXXX XXXX that the 2nd charge would not fall off until XX/XX/XXXX. This put me almost {$700.00} in the hole ( negative balance ) on my checking XXXX XXXX. They blamed XXXX XXXX, and they blamed XXXX rules. But this is not a credit card, this is a debit card. Messing with people 's actual money, not their credit. I called XXXX and the rep was very nice, but she said even if she asked a manager or other department, she had seen it many times before and they would not do anything to remove charge or even make a small refund on flight for the inconvenience. I have checked every day and the extra authorization has not been removed, which means it truly will not fall off until at least Monday, XX/XX/XXXX, as no banking transactions generally occur on the weekends. I need the cash for my trip. 

SoFi and XXXX XXXX also did the same thing on a plane trip booked on XXXX XXXX XXXX from XXXX to XXXX. I did not know this site existed, or I would have filed a complaint then, too. XXXX XXXX XXXX XXXX for {$340.00}. Email attached.Can you investigate this one also? I believe they also did it for an XXXX charge also in XXXX but I will file that complaint seperately.
Consumer complaint received 2024-09-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MA)

I booked a travel package with XXXX for a trip to XXXX, XXXX for the duration of XXXX XXXX to XXXX XXXX. When I landed in XXXX on XX/XX/XXXX found out that the hostel stay and private car transportation were CANCELLED. This termination was not done by me : the flight overseas encountered many delays including a hotel stay overnight in XXXX, Massachusetts. Without a proper accomodation in XXXX I returned to the USA on XX/XX/year> through XXXX XXXX. 
I blame XXXX for the NON-COMPLETION of this voyage and all hardships encountered in this disatrous adventure.
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (CA)

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 : Account 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Southwest Credit Systems, L.P. (TX)

I contacted XXXX in regards to the account, Southwest Credit Systems. This has been a reappearing credit collection being passed around by XXXX. Please advise XXXX and XXXX have deleted the collection but XXXX has not and this has been ongoing for 2 years! This is against my rights and surely in violation of FCRA and FDCPA as it was already proven that the alleged debt owed was incorrect! I demand XXXX to remove the debt immediately from Southwest Credit Systems as it is damaging to me! This company has been very aggressive and harmed my credit. It was originally passed to some company called XXXX XXXX XXXX on XX/XX/year> and they responded with a bill attached stating I allegedly owed {$1500.00}. The amount appears to be incorrect as my last bill with T-Mobile was a different amount of {$1400.00} which was already settled. You can not report inaccurate information nor do i owe t mobile! And now Southwest Credit Systems is doing the same! Doesnt seem to be a reputable company if its inaccurate! I want it removed immediately. Not to mention I have never heard of Southwest Credit Systems until today, meaning I never received proper communication that they would be reporting to my credit! This is several violations!! This time I will seek damages!
Consumer complaint received 2024-09-20
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

An Amex {$250.00} gift card still attached to the paper that came in shows a balance of {$10.00}. 
How is this possible? 
This issue has happened on numerous Amex gift cards purchased from American Express. Unfortunately, American Express has failed to protect consumers from fraud and hackers using their gift cards. 
I would appreciate resolving the issue.
Consumer complaint received 2024-09-20
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Resurgent Capital Services L.P. (NJ)

XXXX This is NOT a duplicate complaint. This complaint is to address to LVNV Funding, the company that opened this account with my authorization and sold this account to Resurgent. I have not heard of this company until I received the collection letter from Resurgent stating this information.
Consumer complaint received 2024-09-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc. (NJ)

For the last 3 weeks, I am trying to redeem my {$200.00} rewards Their website says " Redeem Reward Dollars Important : To request a direct deposit, please call Customer Care using the number on the back of your card. You can still request a statement credit here. '' I submitted my first request on XX/XX/24, I was not provided with any sort of confirmation for my request and to this date my request has not been processed. I have followed up with them a dozen times and every time I am told more exotic excuses and lies by their out sourced call center in XXXX. Even those guys seem a bit helpless because even they say that they fill out a request on customer 's request and then it goes into a black hole. 
When you request for a supervisor, they simply hang up on you and then block your number. I once got hold of a XXXX and even he was clueless and could not provide any answers.
Consumer complaint received 2023-11-22
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)

Equifax : XXXX # commission file number XXXX. Equifax is obligated by the FCRA to report accurate accounting. I have advised Equifax and numerous fraud specialists the charged off accounts, all late payments, and any non-account holding inquiries were fraud. Said company had XXXX days according to the law to remove such items. FTC, fraud reports was filed as a consumer and demanding Equifax to provide such documentation used to determine the remaining inquiries. Charge of late payments were made by the consumer like you said! Equifax has 15 days to provide me with the name of persons spoken to, documentation used, signed applications with wet ink signatures. Consumer is not asking for an XXXX report. If Equifax does not have the documentation with the form mentioned requirements to to show as a fact that these were authorized by the consumer, then it must be removed immediately! Said company is liable under the SEC to follow rules precisely. Equifax commission file number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, New York. XXXX. I will be filing form XXXX treasury XXXX forms to audit my accounts. Equifax is secure consumers data, yet refuses to provide me and millions of other consumers a copy of the consumer file not the consumer report. Attached will be a detailed invoice with all violations amounts owed for each one supporting documentation. As well as proof of my information, my Social Security accounts, and other information being negligently handled during data breach along with detailed invoice with money orders to be payable to XXXX XXXX XXXX address XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, CA XXXX.
Consumer complaint received 2024-09-26
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: DISCOVER BANK (TX)

Discover pays 5 % cash back on certain quarterly categories and 1 % cash back on " Everything Else ''. For the statement ending XX/XX/year> I had no spending that qualified for the 5 % cash back but did spend {$30.00} during the period that qualified for the 1 % cash back on " Everything Else ''. 

The issue is that the calculation is incorrect. I only earned XXXX cents on the {$30.00} of eligible expenses when that number should have been XXXX cents ( rounded ). 

Although this is not monumental in money to me, this has been going on for months. To my knowledge, I've noticed the issue in XXXX. This is concerning.
Consumer complaint received 2024-06-28
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. (OR)

I recently reviewed my credit report and noticed an account that was not reported accurately. I had 2 late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account hasnt not been late on the payments. I have attached a copy of my report to this complaint on the following dates ( XX/XX/year> and XX/XX/year> ) Im now requesting you to investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on-time immediately. Thank you for understanding and prompt action.
Consumer complaint received 2024-09-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Interest rate
Company: Mr. Cooper Group Inc. (CA)

mr cooper overcharged and imposed extra amount on my account for several consecutive months constitute a violation of our loan agreement and California consumer protection laws, as well as California Civil Code 3300. 

mr cooper only corrected and notified of their errors when I filed complaints with you and Attorney General 's office. 

As result of their breach and overcharging me in violation of the terms of the agreement for several months I asked mr cooper the following : Compensation not only for the overcharge but for the stress, emotional strain, time spent and other associated damages that I have suffered due to the mishandling of my loan account and time spent communicating with your company. The exact scope of your violations and their impact may not be fully known to me at this moment, which is why I am requesting a thorough and fair settlement. 

1. Financial Overcharge Compensation : {$45.00} 2. Compensation for Time Loss : {$1200.00} 3. Emotional Distress Compensation : {$3700.00}.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

XXXX A XXXX Equifax is reporting the following items incorrectly in my credit report published by Equifax. I filed a police report for identity theft and have also requested these companied to seize all communications but are still communicating via credit reporting company Equifax. Under the FDCPA section 15 US Code 1692 -C ( Ceasing communications ) Equifax is violating my rights by illegally reporting the following items. 1. XXXX XXXX Account # XXXX. Please have Equifax remove this trade line immediately as it is a violation of my FDCPA rights, section 15 US Code 1692 - C.
Consumer complaint received 2024-09-18
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: TD BANK US HOLDING COMPANY (LA)

On XXXX XXXX, XXXX XXXX, Recovery Specialist, with TD Auto Finance called me stating that I would have to pay {$150.00} a month ; otherwise, my account would be sent to collections with a lawyer. He sent a letter stating that my balance was {$10000.00} on the loan. It had been years since I heard from the company. 

In the year XXXX, my son living in XXXX, XXXX  after Hurricane Katrina asked me to purchase a car from XXXX. His car had been badly damaged, and he could not get another car for work. He made the payments toward the car loan. Initially the loan was with XXXX XXXX then it was switched to TD Auto Finance. A representative with XXXX was sent to XXXX, XXXX my hometown, to sign the papers for TD Auto Finance. Initially, when the loan was approved I was in XXXXXXXX XXXX  caring for my ill daughter. 

In the year XXXX, the car was repossessed and eventually sold leaving a balance of {$13000.00}. A lawyer wrote a letter to TD Auto Finance to have the loan transferred to my son. It was not transferred. I began paying TD Auto Finance {$200.00} a month until I could no longer pay this amount. I wrote a letter stating that I could only pay {$50.00} a month because of financial hardship. I have made payments up to XX/XX/XXXX. 

I asked XXXX XXXX colleague, XXXX, why I owed {$10000.00}. He said the interest. I believe that the Recovery Department only gets certain statements. 
I told XXXX that initially I was offered a payout of {$5000.00}, but I couldnt get the money. XXXX said that if I could get the {$5000.00} before the end of the month the loan would be cleared. 

Today XX/XX/XXXX, I received the payment history of the loan from TD Auto Finance. I have paid including XXXX and XXXX of this year a total of {$5000.00} ; therefore, I dont owe {$10000.00}. XXXX XXXX XXXX dollars minus {$13000.00} doesnt equal what theyre asking. The account was charged off, and there was no interest charged. Also the car was purchased in the state of XXXX, and when it was repossessed it was registered in XXXX What are the XXXX laws about a debt being XXXX years old.
Consumer complaint received 2020-02-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (CA)

I was trimming the trees in my backyard, I got a scratched XXXX, went to the ER and they washed my XXXX, after they sent a bill for XXXX. There is no justification for this charge.