davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Privacy concern : CCPA violation I recently received a credit card from Capital One ( Venture XXXX ), and their XXXX factor authentication makes it impossible to use the card 's features, such as redeeming miles, without exposing personal information I did not agree to expose in the cardholder agreement. 

After speaking with customer support, the only way to log into the account is by providing them a postpaid cell phone number that is linked with my personal information, which I did not agree to provide in the cardholder agreement.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: T.S. Holdings (GA)

Dear IQ Data International, I am writing to formally dispute the alleged debt associated with account number XXXX XXXX XXXX, which you claim I owe. This letter serves as my official notice, as provided by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692c, regarding your communication and collection practices.

According to 15 U.S. Code 1692c, a debt collector may not communicate with a consumer in connection with the collection of any debt : At any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer.If the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorney 's name and address, unless the attorney fails to respond within a reasonable period of time.

At the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

I request that you immediately cease all communication with me regarding this matter at my place of employment, my home, and any other location that would be considered inconvenient as per 15 U.S. Code 1692c ( a ) ( 1 ). Additionally, I am notifying you that I am disputing the validity of this debt in its entirety.

Please provide me with the following information : Validation and verification of the alleged debt, including the original creditor 's name and address.

The amount of the alleged debt, including an itemized statement of the claimed balance.

Any documentation evidencing that I owe this debt.

Furthermore, I request that you provide me with a copy of the original signed agreement or contract which states that I have agreed to pay the alleged debt.

In accordance with 15 U.S. Code 1692g ( b ), I request that all collection activities and communication regarding the alleged debt be suspended until you provide me with the requested documentation and validation of the debt.

Please take notice that if your office fails to comply with the aforementioned requests, I will not hesitate to report your actions to the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) for violations of the FDCPA.

Thank you for your immediate attention to this matter. I expect a prompt response within the 30-day validation period as required by the FDCPA. 

Sincerely, XXXX XXXX This letter asserts your rights under the FDCPA and formally disputes the debt, while also demanding validation and ceasing inconvenient communication. Ensure you keep a copy of this letter for your records and send it via certified mail with a return receipt requested.
Consumer complaint received 2024-05-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Dovenmuehle Mortgage, Inc. (MD)

I called XXXX XXXX  customer service sometime in XX/XX/year> to set up an automated payment from my bank as > was traveling out of the country. I had previously contacted them a few months earlier to set up the automated payments and it did not work so I called them again. They worked me through setting it up and I made XXXX payments for XXXX and XXXX of 2023 and they told me the automated payments would start coming out of my account in XXXX of 2023. 

I came. Ack from my trip in XXXX of 2023 and when I tried to log on to find out the status of my account and to reconcile my account I was locked out of my account and told to contact customer service and that's when I found out that my monthly mortgage wasn't coming out of my bank and that my house was on foreclosure proceedings. 

I informed XXXX that I had set up automated payments with their customer service so I don't know what happened but in any case the money was still in my account, so can I send in the payments to get up to date. They never responded so I contacted them repeatedly to rectify the issue. Finally they sent me an invoice with an added {$4000.00} to catch up on my mortgage. I was surprised and asked what the additional {$4000.00} in fees was for, they never explained what it was for and proceeded with the foreclosure. I had to get a lawyer to help me communicate with them and even he had problems communicating with them but he helped me get them to have me apply for loss mitigation, again they were almost impossible to communicate with. Finally they approved the loss mitigation and called me over the phone and told me I had to agree to the terms without reading the document before they would mail it to me to sign. They never told me what the amount was or anything. When I recieved the document that's when I found out they had added almost {$9000.00} to my mortgage. 

They never gave me the opportunity to catch up on my mortgage and have now added {$9000.00} to my mortgage.
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.
Consumer complaint received 2024-05-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Volvo Car Financial Services U.S., LLC (OR)

In XXXX I moved bank accounts and mistakenly pulled funds from an account hooked up to autopay. I noticed within their grace period and made a one-time payment online to avoid late fees/issues. Additionally, I also called them and they confirmed no late fees would be assessed and the account would not be delinquent if I paid online immediately. They would not send me an email confirmation. I filled the account with ample funding and moved on with life. 

I saw my XXXX payment processed for the standard amount, I took this as confirmation that everything was good and everything was current. 

Today I logged in and noticed a {$XXXX} extra charge, composed of a {$XXXX} " miscellaneous charge '' along with a " late fee ''. Turns out the late fee was for non-payment of the {$XXXX} charge that I was never informed about. Additionally, this " miscellaneous charge '' was not requested and/or included in my regular autopay ( which was setup through their payment portal ). I was NEVER INFORMED of this charges existence, and their automatic payment never covered it. 

They eventually removed the {$XXXX} late charge ( for the miscellaneous charge I was never informed about ) but told me I was still responsible for the {$XXXX} returned payment fee as that was a charge that they incurred and intended to pass through to me, despite the fact that I made a payment within the grace period, and had been previously told I would not receive any penalties due to my prompt attention to the issue and full payment within the grace period.I asked to escalate the issue and speak to a manager/supervisor and they said that they would not escalate my issue to anybody with authority to give me a written explanation or confirmation. This felt very scammy.
Consumer complaint received 2024-05-29
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: JPMORGAN CHASE & CO. (MD)

My wife has a complex XXXX XXXX requiring a series of XXXX XXXX. 
We were going from NY to MI for XXXX of these XXXX. 
We booked via XXXX with the owner of a property and explained that the place needed to be kept up due to my wife 's severe XXXX. The owner assured us the property was well maintained and there would be no issues. 
I flew over to MI to check on the place after we booked it and found that it was covered in mold and had massive leaks throughout the home and was uninhabitable. 

I contacted XXXX and the property owner to cancel the reservation, but both refused despite the photographic evidence. I spent a total amount of XXXX minutes in the home. 

Yet I am being charged {$6200.00}, even though I had to find another location for my wife and me for another {$8000.00}. 

We disputed this with our credit card, and they refused to refund the amount even though the services promised were not rendered. No one is taking responsibility, and no one is liable, and this is unacceptable.
Consumer complaint received 2024-05-29
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ProCollect, Inc. (LA)

Spoke with XXXX, used vulgar language very rude, constantly hanging the phone up in my face. Dont know how to properly communicate and get A understanding, she hit below the belt stating You need to pay your bills and which is A 100 % unacceptable comment to make. Absolutely disgusting attitude, I will make sure I push the issue on her as she is not showing any empathy or remorse as she is trained to do so. I simply called trying to resolve a debt and got nothing but a lot of attitude and vulgar language and this is my 4th time dealing with this.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (CA)

These inquiries below are fraudulent and does not belong to me I did not authorize anyone to pull my credit for any credit application. XXXX has failed to uphold reasonable procedures to prevent FCRA violations and to restrict consumer report furnishing to the purposes delineated in 15 USC 1681b of the FCRA, as mandated by 15 USC 1681b. Promptly remove all inquiries from my credit report immediately and indefinitely. 

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 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  ) Per the FCRA, as a federally protected consumer. I am now opting out of any and all authorization I, the consumer may have given you, written, unwritten, verbal and non-verbal, per 15 USC 6802. I am also opting out of any and all authorization to give my information to a third party pursuant to 15 U.S. Code 6802. I have never received notice or disclosure to opt out per 15 USC 6802.
Consumer complaint received 2024-05-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (CA)

OnXX/XX/XXXX, I received an email from Credit Karma notifying me of a PIN Change to my Credit Karma Money Spend Account and if I did not make this change please notify Credit Karma. 

On XX/XX/XXXX, I submitted XXXX XXXX XXXX [ ref :! XXXX.! XXXX : ref ] letting Credit Karma know that I did not change my PIN. 

On XX/XX/XXXX, I noticed multiple unauthorized XXXX transactions that I didn't make sent to people I did not know. The total of these transactions = {$2600.00}. I sumbitted XXXX XXXX XXXX [ ref :XXXX  XXXX.! XXXX : ref ] on the same day notifying Credit Karma of the fraudulent transactions. My account was then locked. 

Despite calling/emailing customer service I did not revieve any updates for nearly a month. I was finally granted access on XX/XX/XXXX. 

On XX/XX/XXXX, I noticed additional multiple unauthorized XXXX transactions that I didn't make sent to people I did not know. The total of these transactions = {$1200.00} XXXX XXXX XXXX [ ref :XXXX XXXX.! XXXX : ref ] On XXXX my account was locked/scheduled to be closed and that was the last time I had access to my funds and any kind of visibility into my account.
Consumer complaint received 2024-05-29
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

I received a job offer from XXXX XXXX XXXX and they said my onboarding task was to deposit a check. So when i did as they asked, the check was put on hold and now my account is restricted and i have to go to work and school tomorrow with no gas.
Consumer complaint received 2024-05-29
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Affirm Holdings, Inc (FL)

Loan ID : XXXX for the amount of {$13.00} with case number : XXXX Loan ID : XXXX for the amount of {$32.00} with case number : XXXX Loan ID : XXXX for the amount of {$4.00} with case number : XXXX Loan ID : XXXX for the amount of {$34.00} with case number : XXXX Loan ID : XXXX for the amount of {$53.00} with case number : XXXX Loan ID : XXXX for the amount of {$64.00} with case number : XXXX XXXX XXXX I got an email for each account that said I had a refund coming and to verify my information ( name and address ). I verified this information immediately. 

XXXX XXXX I got an email that each of the checks were being sent out. 

XXXX XXXX I had multiple cases opened and was emailing XXXX back and forth. She kept closing my cases after sending me XXXX message. Each message had misinformation ( wrong address ) I went through all the cases copy and pasting my response that NO that was the wrong address and I had already confirmed my address on XX/XX/XXXX. I took a screenshot and attached it to show that the address she was referring to was not even XXXX that I had confirmed for my account. I was told I need to wait XXXX  days for them to send out my checks. 

XXXX XXXX I still have not received my checks in the mail, well past XXXX  days at this point. I started a chat with a representative and he confirmed my address. He had no answers for me and told me to call the main number for Affirm. I told him I would be contacting the CFPB instead as I have already tried to get my checks and keep getting sent in rounds.
Consumer complaint received 2024-05-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WorldRemit Corp. (FL)

On XX/XX/XXXX, I made a transfer for XXXX dollars to an account in XXXX. my transaction number XXXX. On XX/XX/XXXX, I contacted them through their virtual chat and they told me that they are having a problem with the transaction. They repeat this information every day I call, on XX/XX/XXXX I tell them that I need my money back since the XXXX limit according to the terms and conditions has passed. XXXX of their agents tells me that there is no problem and gives me a cancellation number ( number for cancellation : XXXX ), I contact them again on XX/XX/XXXX and they tell me that this number they gave me is false and that at the time they can not do anything.
Consumer complaint received 2024-05-29
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc. (GA)

A XXXX of mine XXXX XXXX and I must have signed her lease with her. She was charged a late move out fee that wasnt justified in the first place as she returned the key to the office prior to XXXX pm as indicated. She left XXXX in room to ensure everything was correctly done and cleared out and made a video showing an empty apartment at approximately XXXX pm. The company received the information a letter came from company clearing her of the debt. She and I disputed the debt and they indicated the debt for me was verified ; however, the actual tenant debt ( same debt ) was removed from her credit due to the letter indicating there was a XXXX balance and it should be removed. I need this information reported from my credit reports. The procollect fee of XXXX is inaccurate and my credit has XXXX for a while after repeatedly dealing with this issue.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Affirm Holdings, Inc (IL)

I reached out to them via phone on several occasions. Was unable to speak with anyone that spoke clear unbroken English. I requested a supervisor and nothing was done. My investigation was never properly conducted. I sent in proof of payments from the bank and from Affirm portal. Still nothing. I sent the dispute in twice with the credit bureau and nothing was corrected
Consumer complaint received 2024-05-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC. (IL)

XXXX company online were deliberately misleading advertised. i spoke to a salesman XXXX. XXXX via phone XXXX company recorded this conversation.. 
XXXX XXXX at XXXX after hours. i signed an agreement that XXXX knew they could not fulfill due to false advertisement. 
after i signed then they sent me the house rules and contract agreement.. 
realized there was a mistake and a miss understanding. 
XXXX XXXX i emailed and called salesman XXXX XXXX and XXXX account help desk for a termination within XXXX hours less then XXXX hours. 
with no response. 
i made a complaint with the Consumer protection division office of the attorney general.. 
that has submitted a citation against XXXX and i was asked to appear in court if needed. 
XXXX illegally sold my information to XXXX XXXX XXXX XXXX. 
and now for a second time to XXXX XXXX XXXX XXXX firm trying to offer XXXX  % lump sum settlement and threaten " including but not limited to filing a lawsuit " i Disputed the debt in writing and request that they provide validation of the debt.
Consumer complaint received 2023-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

According to the Fair Credit Reporting Act 15USC1681 section 602a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. " Equifax, XXXX and XXXX are consumer reporting agencies and I am the Consumer .I have the right to make sure my private information isn't shared which is backed by 15USC6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers nonpublic personal information. " ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX and XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or other wise is revoked.15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unlessthe consumer is given an explanation of how the consumer can exercise that nondisclosure option. " ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again with out my permission which is against the law 15 U.S 1681s 2 ( A ) ( 1 ) A states '' 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. 15U.S.Code168 1estates '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax XXXX and XXXX are not maintaining reasonable procedures. Also 12CFR 1016.7 states that '' A consumer may exercise the right to opt out at anytime. " I am opting out of your reporting services.