davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequoia Financial Services (CA)

On XX/XX/2024, I was contacted by Sequoia Financial Services by mail. They claimed that I owed them {$110.00}. 

On XX/XX/2024, I replied to the company by mail. I informed them that I did not owe this debt and requested them to cease communication with me. I informed them of my intent to file a compliant if they did not cease communication. 

On XX/XX/2024, I was contacted again by mail by the company claiming that I owe this debt. They changed the amount of the claim and now claim I owe {$110.00}.
Consumer complaint received 2019-06-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

For the last 2 plus years, I have not received a copy of my monthly billing statement nor have I been afforded the proper application of my monies I paid to this account. There is a huge discrepancy with my auto loan payments and I have also asked for the total amounts of interest paid since loan inception which began in XX/XX/2016 to current and the presidents office in Texas as well as the auto loan office in California failed to send me accurate account of my loan as last year it stated I paid over XXXX dollars and now my online account states I have only paid slightly over XXXX. They will not release my total payments towards principal vs interest for the years 2016 to current on their letterhead although I was informed it was mailed. I need this document as well for tax purposes. Additionally they are not reporting my account balance monthly to the credit bureau, I have spoke with Capital one on this as well, and no one seems to know how my payments are being applied, it is a simple interest loan and thats about all i get. if you look at my ledger, if i pay early they take a huge chunk of my payment and apply to interest, but if i pay post my due date which is the XXXX of the month, they apply a good amount towards principal and less towards interest. Doesnt add up and no one is talking. I advised if i do not receive my billing statements for the last 2 plus years, as i have called and msg them constantly and nothing. i also have been blocked from msg them inhouse as well as looking at my statements online and nothing received by mail. they have blocked me out of my account and play XXXX as nothing is going on with my account, with me having a prior background in banking and financials i know this is a bunch of malarkey. I advised if i do not receive a statement, no more monies will be paid to this account as i only purchased the vehicle for XXXX and i was to have a gap policy of XXXX added to the account but that is even wrong. I am done. I want all of my documents and fyi this started from the beginning in XX/XX/2016 where they refused to send the dealership and myself a copy of my loan terms and payment slips or information on how i was to pay after having the car 1 month. i have only missed a few payments the 2nd year of having car due to furlough but i caught up and paid in advance in lump sums so nothing is adding up and need your assistance as i am no longer talking to this lender it is pointless. Lastly, they refused to send me a copy of my title as well last year so that I could register my car this is how dirty these ppl operate and just like i paid off my cc, i know my car is paid for, how am i paying XXXX more than what i bought the car for its a XXXX car, payments XXXX have had already 3.5 years, not behind in payments, but you still saying i owe XXXX smh.the math even with the interest doesnt add up
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item for me to ensure accuracy. Here is the item that I am asking you to verify as accurate. XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (OH)

I had/have a Cashapp account and they asked me to verify the account with my social security number. When I entered my social security number, the account immediately shut down. That leads me to believe someone is committing fraud using my social security number. I filed a complaint on XX/XX/year> and was given a case number # XXXX but received no follow up. I complained again today XX/XX/year> that NO ONE has addressed my original complaining concerns so I was given another complaint case number of # XXXX. Then told me that they were closing my complaint and only their email support team can answer my questions. But I believe the email support dept is ficticious since I never received a response. So I filed another complaint today XX/XX/year> that they are improperly closing complaints without addressing the concern and was given complaint case number # XXXX. I believe they are purposely giving me case numbers then closing them out to hide the possible fraud going on. I need to know why my social security number initiated closing my account immediately for my only logical reasoning is due to fraud. And their lack of investigating this makes me feel like they are complicit
Consumer complaint received 2019-06-27
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

HSBC offered me a line of credit and a credit card. I applied and received a XXXX line. I can not get information on my account. My credit score was affected and I am unable to access this line of credit. I never received checks, or a card or anything from HSBC.
Consumer complaint received 2023-07-05
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

Under the Fair credit report, I am exercising my right to remove all errors from my credit report. This issue damaged my report. This is a defamation of character. It has impacted my reputation.
Consumer complaint received 2024-05-21
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: Experian Information Solutions Inc. (GA)

this is the follow up of my complaint... I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : 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
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In XXXX of XXXX, I charged {$25000.00} to my XXXX XXXX credit card. All three credit bureaus refuse to accurately submit that I pay my balance in full on all purchases. 

This is fraud that millions of customers are being wrongly scored. 

I demand, respectfully, a class action suit against all 3 credit bureaus. 

With my XXXX XXXX  and 15 years of management of tens of billions of dollars every year, I promise I can prove that credit bureaus are intentionally damaging consumers and their credit ratings, for profit. 

Point : a customer that, for years, charges to their credit, but, pays the balance in full every single month, accumulating rewards, paying XXXX interest. 

I made {$250.00} dollars ( should have been {$500.00} ) in rewards, on my XXXX XXXX card. The company, XXXX, refused to honor the XXXX XXXX charge, 2 % bonus, but honored the 1 % reward. 

Please consider me a key witness, that can explain this before XXXX XXXX, and all honorable members of Congress, to protect citizens, from rogue credit bureaus, dumpster divers, that now force citizens to pay for righting wrongs.
Consumer complaint received 2024-09-07
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (MD)

I am guarantor for my son 's lease of a " cottage '' up at XXXX XXXX, PA for school year beginning XXXX and ending XXXX. We helped him move out at the end of XXXX ( XX/XX/XXXX ). The lease was with " XXXX XXXX at XXXX XXXX '' and they apparently send any final fees owed to them to a collection agency, in this case it was " Columbia Debt Recovery LLC, dba Genesis ''. 
We received our " Initial Notice '' email from them on XXXX XX/XX/XXXX at XXXX that we owe {$170.00}, which includes {$0.00} in interest charges. 
I called " Columbia Debt Recovery LLC, dba Genesis '' at the number listed in the email to get a list of items we were being charged for after leaving the rental property. 
I stated I am OK with the charges and that I would pay within the next couple of days via the online link provided in the email. 
The representative then proceeded to inform me a accruing interest on a daily basis and stated if I pay NOW over the phone the {$0.00}, in interest will be " waived ''. 
Well, that didn't go over well with me, I then asked about this interest and the representative stated that it has been accruing since THEY were notified to collect the debt ( I believe she stated XXXX XX/XX/XXXX ). 
I then asked, how is it they can charge me interest starting from XXXX XX/XX/XXXX when I just received the initial notice today. 
NOTE : The representative did state at the beginning of our conversation that it is being recorded. 
Today, I am writing them a check and mailing it for the amount they say I owe MINUS the {$0.00} interest they claim I owe. 
I am writing to you to report this because I am thinking this is illegal activity and how many other people have they done this to where people just go ahead and pay the interest.
Consumer complaint received 2024-08-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MI)

Refer to Complaint # XXXX. Still not resolved by Mohela even after they acknowledged that they made a mistake. 

Mohela transitioned to a new platform in early XXXX. When my account transferred from old account to new account, a loan that I paid off is showing in my balance. It is referenced as XXXX XXXX XXXX XXXX XXXX. The loan was paid on XX/XX/XXXX. it was for a loan disbursed on XX/XX/XXXX. They payoff amount was {$45000.00} under confirmation # XXXX. Mohela has confirmed they see the payoff and keep telling me the system will update, but it has not. Interest is accruing on a paid off loan.
Consumer complaint received 2024-08-26
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Tesla, Inc. (FL)

On the night of XX/XX/XXXX, I visited a Tesla dealership with the intention of purchasing a XXXX XXXX During the process, I was led to believe that I was securing a loan to purchase the vehicle. After signing the agreement and driving the car off the lot, I later realized that what I had actually signed was a lease agreement, not a purchase agreement as I had been led to believe.

Upon discovering this mistake on XX/XX/XXXX, I immediately contacted Tesla to rectify the situation. I explicitly informed them that my intention had always been to purchase the car, not lease it. I also made it clear that I needed to purchase the vehicle due to the specific benefits related to my job, which required an electric, premium vehicle. Despite my requests and explanation of the situation, Tesla refused to allow me to purchase the car, stating that since I had driven it off the lot, the lease was finalized. 

I returned the vehicle on XX/XX/XXXX, only to be told that I could not convert the lease into a purchase. Instead, I was required to return the car and start a new purchase agreement for the same exact vehicle. This process resulted in financial losses, including non-refundable deposits and other fees associated with the lease. Despite reaching out to Tesla multiple times ( approximately 8-10 attempts ) to seek a refund and clarify the situation, I received no satisfactory resolution. Tesla 's response was consistently dismissive, with no alternative options provided to resolve the issue.

Additionally, due to a cybersecurity issue I experienced, I lost significant amounts of data, including email correspondence with Tesla, which has made it difficult to track all payments and communications accurately. I estimate that the total amount paid related to the lease is approximately {$11000.00}, though this amount may not be entirely accurate due to the volume of transactions and the loss of data.

I am seeking restitution for the financial losses incurred due to Tesla 's misleading practices and their refusal to allow me to purchase the vehicle as initially intended.
Consumer complaint received 2024-08-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (NJ)

In XX/XX/2024, I requested validation of an alleged debt from Jefferson Capital Systems , LLC, as required under the Fair Debt Collection Practices Act ( FDCPA ), specifically under 15 U.S.C. 1692g, and the CFPB 's Debt Collection Rule ( Regulation F ). Despite my request, the company failed to provide adequate validation, including the chain of title and proof of the amount they paid for the debt, as required by law. Instead, they reported this unvalidated debt to credit bureaus, resulting in significant harm to my credit score and financial well-being, including higher interest rates and denial of credit applications.

Additionally, I was not properly served in connection with a garnishment order related to this debt, further complicating the matter. I sent a letter to the court addressing these issues, but Jefferson Capital Systems , LLC has not corrected the situation. Their actions may constitute violations of the FDCPA, Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681s-2, and Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ).

The company also failed to provide proper disclosure of my
rights to dispute the debt within the required timeframe, a violation of both the FDCPA and Regulation F. I believe these practices may not be isolated, and I request that the CFPB investigate whether these actions are part of a broader pattern of behavior by Jefferson Capital Systems , LLC that could be affecting other consumers as well. 

Despite my good faith efforts to resolve this matter directly with the company and the court, the issues remain unresolved. The continued reporting of this unvalidated debt threatens my creditworthiness and financial stability, which could have long-term consequences if not corrected. Additionally, the stress caused by these ongoing collection efforts has impacted my emotional well-being. 

Please see the attached documents for detailed information and supporting evidence regarding the events and actions taken by Jefferson Capital Systems , LLC that have led to this complaint.
Consumer complaint received 2024-08-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BARCLAYS BANK DELAWARE (CA)

XXXX XXXX was a vendor that repeatedly sent me what I ordered but such items were significantly distinguishable than how they were advertised. On many occasions the items did not follow the industry wide standard size chart or simply did not completely resemble what was online. For example, receiving a XXXX XXXX instead of a XXXX, or a XXXX instead of an XXXX. Instead of assisting me in retrieving the amounts paid when all merchandise was returned to XXXX XXXX in the condition in which it was sent, Barclay piled me with requests for more information that they did not use when they did not proceed with the requests for refunds associated with such transactions. I also found that the customer service received through the Barclaycard was well correlated with the amount that I would pay off my balance. When I made significant payments, such as 200-500 % more than usual, open disputes were quickly and promptly resolved without much paperwork. When such payments are not made, Barclay does very little with the responses for large amounts of information that they request. They are also not specific with which further information that they request and they refuse to communicate in writing, deferring to very unproductive phone calls that involve little new information but will move fruitfully forward, in either event irrespective of amount of payment, to closing the case. I find these phone calls wasteful and when the issue is not resolved, completely abusive. I also find that I have to send them notice of the letter submitted more than once, i.e. the company doesn't communicate in response to my communication unless I persist in finding out what occurred in response to their receipt of my communication.
Consumer complaint received 2024-08-17
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CLGF Holdco 1, LLC (FL)

Destiny credit card. The advertising stated that I would receive {$1000.00} line of credit on card thru XXXX XXXX. They said I can only get {$500.00} credit. I said you can keep your credit card with the {$120.00} annual fee. They sent me a bill, statement, asset voucher or remittance coupon whatever you want to call it. I will ask how can you send me a statement, coupon, asset volcher or remittance coupon with no physical credit card. If necessary I will place the ceo on a federal court asking for a jury trial. I will ask the judge for a jury trial with no XXXX XXXX XXXXXXXX laws dictionary uncompendent XXXX. I will request a jury with XXXX XXXX XXXX. I will ask the ceo questions under oath without a lawyer or attorney present.

1- why does your company spell my name in all capital letters?

2- why does your company as me for my social security number? It is because you want to get into my trust as a authorized agent.

3- you sent me a bill, asset volcher, remittance coupon or what ever u want to call it. Your remittance coupon stated please pay the new balance of a positive {$120.00}. If I owe someone {$120.00} the number needs to be- {$120.00} for the books to balance, then you want me to pay u another {$120.00} in federal reserve notes what you people call money. Am I lost. {$120.00} plus another {$120.00} positive equals to {$250.00} positive. I am confused. Your books do not balance. I will request to see the books because they do not balance plus IRS audit as well.

4-.What does article one section ten clause one say? Explain in full details.

5-What does this symbol mean $ $ $??

6- is the United States of America under bankruptcy? If so what year did. It happen?

7- why does your remittance coupon have routing numbers on it? What is it linked to?

8- what is the book called XXXX laws dictionary about? 

9- does your company think of me as a person or slave?

10- what is privacy act of XXXX? If you violate this act can you be charged with a misdemeanor? 

11- what does capitas diminutio maxima mean in full details? 

12- what is the truth and lending act about?

13- what is the credit river decision all about? Explain in full details.

13- what is identity theft, security fraud explained in full details.

14- what is the cestique act trust of 1666? Explain it in full details.

15- what is your definition of money?

16-what is XXXX XXXX about ?
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (CA)

Shellpoint Mortgage Servicing illegally changed/increased the amount of my Previous Balance and is charging interest on that inflated amount, when the servicing of my HELOC was transferred to them. 

XXXX, XXXX, XXXX statement indicates Previous Balance amount of {$280000.00}. This is INCORRECT. On the Deed Of Trust, the original commitment amount is {$150000.00}. The statement indicates that Shellpoint is basing the interest only payment on the {$280000.00} amount. This is an illegal fabrication of my loan amount. 

The current draw amount is {$140000.00}. 
Shellpoint has a copy of the Deed of Trust and the Note. 

Interest is currently 4.25 %, interest only payment. 

The statement is completely inaccurate. I made the XXXX, XXXX payment of {$880.00} UNDER DURESS. 
I have called numerous times, beginning in XXXX, XXXX, e-mailed on XXXX site which they acknowledged receipt on XXXX/XXXX/XXXX, XX/XX/XXXX, XXXX, and XXXX and and sent a complaint by certified mail. 

Just today, XXXX, their site indicates a payment of {$900.00} due for XX/XX/XXXX. Shellpoint states this is a P & I payment, but doesn't break it down. The term expiration is XXXX/XXXX. Even if the payment is XXXX & I on the balance of {$140000.00} it only equals roughly {$680.00}.