davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-12
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: Self Financial Inc. (SC)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

Please see attached file for these items I am complaining.. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-06-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC (NJ)

Alleged Violation of 15 USC 1692g - Validation of Debt I am asserting that a debt collection attempt made by ALDOUS AND ASSOCIATES, breaches my rights under the Fair Debt Collection Practices Act ( FDCPA ), particularly under 15 USC 1692g, which mandates the validation of debt. 

**Lack of Opportunity to Dispute Debt** Despite being approached by ALDOUS AND ASSOCIATES , regarding an alleged debt, I lacked prior knowledge of its existence and was not afforded the opportunity to contest it. 

**Request for Certified Mail Receipt** Per 15 USC 1692g , debt collectors are obligated to furnish consumers with a written notice within five days of initial contact, outlining debt details and dispute rights. However, no such communication was received. I demand ALDOUS AND ASSOCIATES, furnish the certified mail receipt, corroborated by my signature, confirming compliance with statutory notification requirements. 

**Unlawful Debt Collection Practices in New Jersey** It has come to my attention that ALDOUS AND ASSOCIATES , lacks authorization to pursue debt collections in New Jersey , my state of residence. Consequently, any pursuit of this alleged debt contravenes state regulations.
Consumer complaint received 2024-08-13
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: TD BANK US HOLDING COMPANY (OH)

I have a credit card from TD Bank to purchase specifically XXXX products ( XXXX XXXX ). I have called them multiple times to request that they close my account but they 1-Never answer the phone at the phone number provided on the website. 2- They keep me on hold every time for over 2 hours and I end up hanging up because I have a life to tend to and can't spend my days on the phone waiting for them. I have also called other phone numbers for TD Bank, their customer service, but they keep transferring me to the same number listed on the website, which is never answered. A message states that they are receiving high volume of calls, but I have called at different times of the day, including in the XXXX  of the night, and the message is the same. I don't believe the entire world is calling TD Bank all day and all night.
Consumer complaint received 2024-06-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Avadyne Health Holdings, Inc (AZ)

I had an XXXX  last year my coworkers from my previous employer took me to a fire station had first responders they called a helicopter that wasn't needed and im now being charged with my previous employer said that the insurance company would take care of it or the fire-station
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (TX)

XXXX XXXX reported incorrectly an account that I never opened. 
XXXX XXXX charge of {$350.00} XXXX XXXX {$1000.00} XXXX {$320.00} Amex {$1800.00} XXXX XXXX {$7100.00} all these accounts are incorrect and I disputed these all.
Consumer complaint received 2024-06-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK ()

My Discover Card has been closed for some time. A refund of {$100.00} was paid to this card on XX/XX/XXXX ( XXXX ). The refund was confirmed by both XXXX and XXXX the payments company. XXXX confirmed the refund was processed to my Discover Credit Card ending in XXXX expired XX/XX/XXXX. My details on file should be social ending XXXX, last card XXXX digits XXXX, XXXX XX/XX/XXXX, name XXXX XXXX XXXX, phone XXXX, email XXXX Discover are unable to locate my account and I have not received the refund processed and confirmed by XXXX. See attachment for the confirmation codes of the refund from XXXX their processor. 


-- - In the last CFPB complaint, Discover said that they had now refunded the money to XXXX, subsequent to my complaint. According to XXXX and XXXX their payment processor, it is still not the case that the Discover payment from XXXX has been returned.
Consumer complaint received 2024-06-11
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: Experian Information Solutions Inc. (FL)

I mailed off a letter to XXXX about unauthorized inquiries reporting on my credit report on XX/XX/year>. I did not received anything back from them. I asked them to please remove the inquiries and to write me back a letter when they have been removed. they didn't do that. I also requested them to send me something saying they received my letter. I got no response. I also got the letter notarized by a publicly bonded notary. Some of the things I included in the letter was a violation of 15 USC 1681b2 explaining that they didn't have my written permission to include such information on my consumer report and the inquiries were unauthorized because they were in no benefit to me and I didn't submit any application to get any extensions of credit. I mailed that off certified mail which I can include a picture for proof of delivery. I have also done this same process with Experian and XXXX. Attached I have proof that I have mailed all these credit reporting agencies twice and have received no response from any agency. I also have attached a letter I sent to XXXX informing them of the inaccuracies. I didn't include XXXX or Experian 's letter because all I did was switch the credit reporting agency that was violating my consumer rights. 

I sent a second letter titled opportunity to cure giving XXXX a chance to redress the situation. The letter contained the same information in the first XXXX and I still did not receive written request. The day I mailed off the second letter was XX/XX/year> certified mail. I can also provide a picture for proof of delivery of the second letter. In the second letter I included that 15 USC 1681n is the violation for civil liability for noncompliance and they still didn't not try to reach out to me the consumer/principal. 

I am seeking monetary relief for {$2500.00} and this is a fraction of what is due to me due to the noncompliance, violations, and improper use of my credit. XXXX is sharing information that is inaccurate and unfair per 15 USC 1681a and they have effected my credit worthiness, credit standing, credit capacity, my character, and my general reputation as a consumer. Thanks for your immediate attention to this matter.
Consumer complaint received 2024-08-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: LD Holdings Group, LLC (IL)

I called my mortgage company ( loan depot act # XXXX ) to ask them to remove XXXX the said they had to look into it. They asked about upgrades and such so I told them stuff we had recently done to our home. This was on XX/XX/scrub> 2024. Today XX/XX/XXXX, I recieved a letter from the loan company stating I was ineligible.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (GA)

Creditor : Credit Acceptance Amount Reporting as Owed on Credit Report : {$12.00}, XXXX Credit Acceptance is operating fraudulently by reporting false, inaccurate information on my XXXX and XXXX XXXX reports. I had an auto loan with them beginning in the year of XXXX. In XXXX, I was involved in a XXXX accident and the car was totaled out. I notified Credit Acceptance of the accident and left the vehicle at the scene of the accident as it was undrivable and destroyed. They informed me that they would go to the tow yard to assess the damage of the vehicle and determine what if anything I owed. 

At the time of the accident, I had already paid most of the balance on the auto loan. After the accident, Credit Acceptance asked me to make a payment to satisfy the account. I sent the payment to Credit Acceptance, yet they continued to report the account as open and delinquent on all XXXX of my credit reports. I then contacted them to discuss this issue, and they continued to demand MORE money from me. I refused to pay any additional money as this was not our agreement. So, they continued to report the account as open and report payments as delinquent each month. After my refusal to pay additional money, Credit Acceptance turned my account over to a credit collection agency. 

However, in XX/XX/XXXX, Credit Acceptance sent me a letter stating that I PAID the account off and that they were releasing their security interest in the vehicle and that they were releasing the auto title of the vehicle over to me. I have both the letter, envelope which the letter was sent, AND a CLEAN car title sent from Credit Acceptance as evidence. I have uploaded this documentation below. 

In spite of sending me a payoff letter and a clean title, Credit Acceptance still continues to seek money from me and refuses to close the account unless I pay additional money. When I asked them why they sent me a letter stating that I paid the account out and why they sent me a clear title to the vehicle with NO LIEN HOLDER LISTED, they stated that they made a mistake and sent the documentation to me in error. 

This has been a XXXX battle of dealing with a CORRUPT auto lender who lies and takes advantage of people for their own financial gain. They have damaged my credit for 5 years and continue to do so by engaging in illegal business practices such as double-dipping and seeking money from me which I do not owe them for a car that they have already been compensated for. 

Please rectify the 5 years of damage that this company has illegally done by deleting this item from ALL XXXX credit reports. 

Thank You, XXXX XXXX
Consumer complaint received 2024-06-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC (NJ)

In XX/XX/XXXX, I contacted Aldous & Associates to make payment arrangement of debt owed to XXXX XXXX. A payment plan was developed and emailed, however it was scrambled and unintelligible. I contacted the collection agency again on XX/XX/XXXX and a new email was generated with the updated balance owed of {$480.00}. The email also documented XXXX final payments owed : {$230.00} ( due on XX/XX/XXXX ) and {$230.00} ( due on XX/XX/XXXX ). All payments included debt owed to the XXXX ( {$800.00} ) plus miscellaneous fees from Aldous & Associates ( {$430.00} ). My final payment was made on XX/XX/XXXX in the amount of {$230.00}. I called Aldous & Associates on XX/XX/XXXX, to advise that the collection was added to my credit report ( although I was advised that it would not go into b my report due to me voluntarily making payments ). Also, my credit report shows that I have a current balance of {$480.00}, which is not accurate. I explained to XXXX, XXXX XXXX, today that there was false information reported on my credit report. He advised that he could not assist me. XXXX XXXX also advised that I have a balance due of {$11.00}. I advised that I was unaware of any additional monies that were owed and I asked if he could provide a written breakdown of the amount owed, as all fees were previously included in the total amount paid. To add, this information was not included on the email documenting my payment plan. After the agent stated that he would terminate the call, I advised that I would be disputing the debt and I requested the address to the agency. The agent ended the call and sent me an email stating that I have a balance owed of {$11.00} ( which I was never told before today ) and the email also ( falsely ) states that a written letter was also sent to me. Ive never received a letter or a phone call about this NEW debt owed. This collection agency has not been transparent, the agents are demanding and cold and refuse to answer questions, AND Ive been blindsided with this NEW, MISCELLANEOUS fee and the agency can not provide me with any proof that this is owed ( as it was not included in my payment plan ) and theyve never sent me any documentation. I deserve transparency and ACCURATE credit reporting.
Consumer complaint received 2024-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (TN)

On XX/XX/year> I did a mobile deposit of my paycheck for {$370.00}. I received a response that my funds would become available on XX/XX/XXXX to ensure my paycheck wouldnt bounce. XX/XX/XXXX I contacted Chime and asked why my funds were still not available. They could not give me an answer. Then when I logged back into the app, the date changed to XX/XX/XXXX. This has caused an overdraft on my account. I am unable to feed myself and children or put fuel in my car.
Consumer complaint received 2024-08-06
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY (AZ)

On XX/XX/year>, I purchased an American Express gift card and had it loaded for {$300.00} from the local grocery store where I live. When I got home I went to check the balance on the website listed on the card to make sure it was showing on the gift card. I got an error message, something was wrong with the card. I called the XXXX # on the back of the card. I was advised that someone had called to try to claim the card, so they need me to email a copy of my receipt and picture ID along with the front and back of the card and utility bill to determine ownership. I was advised to allow XXXX business days for the process to be complete. I called each week from XX/XX/year>, until now XX/XX/year>, and I am still being told they are working on it. XX/XX/year>, was the XXXX business day, and yet American Express Gift card customer service refused to send me the {$300.00} back or a replacement card.
Consumer complaint received 2024-08-15
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: All State Credit Bureau, Inc. (MI)

I have recently discovered that Allstate Credit Bureau accessed my credit report without my consent. According to the guidelines set forth by the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), any entity must have a permissible purpose to pull a consumer 's credit report. Since Allstate Credit Bureau is not the original creditor with whom I have an account or any existing financial relationship, their action to pull my credit report without authorization is a violation of these regulations. Collection Entry Dispute : Additionally, I have noticed that a collection entry has been added to my credit file by Allstate Credit Bureau. However, it is important to note that Allstate Credit Bureau is not the original creditor for this debt. As such, Allstate Credit Bureau is required to provide verifiable information regarding the debt in question, including proof of ownership and the details of the original creditor, as mandated by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). In light of these issues, I request that : Immediate Removal of Unauthorized Inquiry : The unauthorized credit inquiry made by Allstate Credit Bureau be removed from my credit report. Verification of Collection Entry : Allstate Credit Bureau provides verifiable information to substantiate the collection entry on my credit file. If they are unable to provide this information, the collection entry should be removed. I already removed fraudulent inquiry this company had no permission to pull. I will be filing a lawsuit against company. This company needs to follow guidelines of the ftc. Reporting incorrect balances and also illegally pulling credit. I know my rights and guidelines when it comes to collections illegally reporting and inaccurately reporting false info. You have to get my written approval to pull credit. I will constantly make sure i will keep pressing on this issue until this is removed since it was already removed and and now currently reporting. Also you have to verify information regarding this company has not provided information. I will make sure this company will be on the block list. This company already has complaints regarding illegal reporting. I will certainly make sure this company is completely block for neglecting to provide any information to verify accurate info
Consumer complaint received 2024-06-06
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CO)

Again requested remediation payment and checks. Still waiting on one since XXXX ( {$250.00} ) the one they promised in XXXX ( {$6800.00} ) for XXXX product. They drag their feet at every step to correcting their deceptive and unlawful practices.
Consumer complaint received 2024-07-21
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB (CO)

I made a purchase for installment payments when purchasing a new phone through klarna.com. 

Their system failed to process the order at XXXX but it still charged my card I contacted them so they could submit a reversal of the payment as there is no order I provided two agents all of the information and none of them knew what to do when requesting an authorization removal for a company error. 

They all refused to submit a ticket for me to get contacted by a supervisor or for them to escalate it in any way if they weren't capable of doing so I'm aware you can do this as I am a customer service manager and have done it many times. The last agent that finally submitted the request for a supervisor which I don't even believe could not providing me any verification ticket number anything for a call back from a supervisor, and also continued to press the issue beyond what I asked of filing a complaint on the customer service is why I wanted to speak to a supervisor I am about ready to lose a {$1200.00} promotion because their system failed to process the order none of them would even look into it as this is not a normal situation
Consumer complaint received 2024-06-11
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: Aldous & Associates, PLLC (WA)

YOU STATED IN MY LAST DISPUTE I SUBMITTED ON HERE ; that you sent proof of the debt to my mailing address, I am writing this to formally dispute the debt claimed against me by your company under the Uniform Commercial Code ( XXXX ) as a holder in due course. I have never entered into any business arrangement and I have never signed any contract to conduct any kind of business with you! I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on your consumer report.

You have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) Collection agency is violating your consumer rights by using false misleading, Misrepresentation and deceptive means.

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) Im unaware of this debt, I did not receive proper notification if in fact you believe you gave me proper notification then please send me/provide the certified mail with a receipt with my name on it, my signature stating that I received it, if you can not provide that you need to delete this off my consumer report!.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Aldous & Associates, PLLC (FL)

On XX/XX/year> I received an alert that I had a collections account on my credit report from Aldous and Associates. I never had any form of contact with Aldous and Associates in regards to this debt. I called Aldous and Associates and was given the run around about this debt and everytime I asked to speak to a supervisor I was put on hold for XXXX minutes and that's when the call always dropped. I paid this debt off with the original creditor XXXX XXXX XXXX XXXXXXXX XXXX. 
I need Aldous and Associates to remove this collections off my credit report immediately.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Paypal Holdings, Inc (CA)

XX/XX/XXXX. I received an email from a PayPal stating that they are going to withdrawal {$490.00} from my account. I dont use PayPal and I had clicked a link through my email. They resumed to have me download an app called XXXX XXXX XXXX. They somehow knew I had a XXXX account and made some transactions of {$1.00} and {$1.00} to see if it would go through and it got credited back. I fell for this scam and didnt realize it. I deleted the app now.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Was trying to receive a clearance for my job and my investigator had informed me of the credit cards accounts that were opened under my name, and they are cards I have never heard of or seen before. I contacted the credit card company and they confirmed with me that my current and past addresses do not match, and my phone number does not match as well. I do not know anything more, but I did not authorize and was not aware about these accounts and I want them removed from my record since it was not me. The accounts are closed, and I believe one of them had went to collections from what I was told. Cards were opened with Captial One.