davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (DE)

Hello Consumer Financial Protection Bureau, XX/XX/XXXX I signed a car lease agreement with XXXX XXXX XXXXXXXX XXXX AMERICAN CAR CENTER in XXXX, North Carolina. The car was a XXXX XXXX XXXX XXXX and the agreed upon value which is stated in my lease was {$21000.00}. XX/XX/XXXX my car stopped while I was driving to get on the highway and would not start once I tried to keep starting it. I contacted ACC that same day and was told they have ties with XXXX and to tow it .. since it was under 30 day warranty. Upon arrival I was told that the engine blew and was not able to contact the finance team of the company, in which I previously had contact with! XXXX XXXX XXXX contact XXXX XXXX the regional manager for this company. I was contacted and they put me in a rental car. 4 days go by I hear nothing. 6 days go by and I contact again and hear nothing. I go back to the establishment I purchase the car from and the lot has no cars and has the door padlocked. I immediately felt as if I was scammed. Then I go on XXXX and see they have filed for bankruptcy out of nowhere and left town, this is all public record. The car does not work or move and I have not drove it at all. XXXX is still in possession of the vehicle because no I was not able to pay for an engine. Now they have sold my information to a place called Westlake Portfolio and they are hitting my credit for a XXXX auto loan. I have never had any contact with this company! I have no access to the vehicle and once again I never ever signed anything with this company they should have no information of mine. This is really hurting my credit. I have contacted them several times on behalf of This matter and have received no response. This whole situation was fraudulent behavior and I just need help.
Consumer complaint received 2024-01-29
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MI)

I received a {$500.00} Amex gift card XXXX. I have tried to use this card at a wide variety of merchants for the last year. I have called the company numerous times and they continue to tell me it should work and then it never does.
Consumer complaint received 2024-07-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (WA)

phones and phone numbers on or about XX/XX/24. Since that time I have continued to have access my Coinbase account. I have added payment accounts to deposit funds into the account, have made a {$2000.00} deposit ( XX/XX/24 ) and a {$2000.00} deposit ( XX/XX/24 ). I have been able to execute multiple purchases of cryptocurrencies on the platform during this time. On XX/XX/24 I initiated a transfer of crypto from my Coinbase trading account to my personal Coinbase wallet. I was prompted for a Passkey for 2 factor authentication. This is a feature I have never set up nor had I ever been prompted for this previously. All of my 2 factor authentication had been one time use verification codes sent via SMS. I was unable to verify this passkey and no alternative verification options were provided. I have attempted to contact the customer service line which turns out to be an automated system that provides 5 options that each just route you to refer to the help page and then hang up.After having my ID verified twice by sending copies of my government issued ID, I was able to get an email response from service staff who have no idea how to utilize the system and continue to copy and paste generic troubleshooting ideas from their help page. After more than a dozen emails, they have informed me that they are aware of the problem, will not be responding to the issue further and that I should just periodically continue trying to log in to see if the issue is resolved. I have over {$4000.00} in the account, no access currently and Coinbase has no path forward to regain access. I have the same email and password login information, my name and physical address has not changed.
Consumer complaint received 2024-07-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Colony Brands, Inc. (GA)

I had an account with Montgomery Wards while on active duty. I was never offered a lower interest rate. I paid this account in full and its showing up with a balance and in collections on my credit report. I requested a letter and they refuse to give me one of zero balance and remove from my credit report.
Consumer complaint received 2024-01-28
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (LA)

Hello! I applied for XXXX benefits to be added to my credit card last year & I havent received any feedback from Amex. I have called them twice with no luck. I am currently XXXX XXXX XXXX and am stationed in Louisiana, which is a KP ( Key Provision ) state. All debt incurred BEFORE AND DURING service qualifies for XXXX  % XXXX & refund of ALL interest paid beyond the XXXX  %. However, Amex offers XXXX % APR and full refund as a courtesy to service members.
Consumer complaint received 2024-01-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NY)

On XX/XX/2023, I noticed a large check ( {$27000.00} ) had cleared that day through my bank, XXXX XXXX XXXX. When I clicked on the check, I did not recognize the recipient or the address. Then I noticed the font was changed. I immediately realized this check was changed and forged and deposited into a Wells Fargo bank in Pennsylvania. No account number was written on the back of the check. 
Realizing this check was deposited less than 24 hours prior, I emailed my Personal Business Banker at XXXX and called their Fraud Department to report this. The Fraud Department told me I needed to complete several pages of paperwork, which they will mail to me. 
I completed it all and immediately faxed it back to XXXX. I felt that valuable time was lost. I feel this would have been quickly settled had they only contacted Wells Fargo the day the check cleared in my account. At least they could have warned Wells Fargo that an inquiry was being made. 
As of today, Wells Fargo has not answered the 2 attempts that XXXX made in contacting them regarding this claim. 
My company is too small to just let {$27000.00} get stolen when I check my account on a daily basis for fraud and theft. 
I filed a complaint on XX/XX/XXXX. On XX/XX/XXXX, Wells Fargo contacted XXXX and asked for information the same information that XXXX originally sent to Well Fargo. XXXX responded to this request on XX/XX/XXXX and sent them everything they requested. 
Wells Fargo followed up with 2 letters to me. These letters contain a phone number that does not work and the name XXXX XXXX When I get through to Wells Fargo on another phone number, no one has any idea who this XXXX XXXX is and needs a last name. 
Please help. How can a bank be so corrupt? 
Thank you
Consumer complaint received 2024-01-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IN)

I did not charge {$1600.00} to my XXXX XXXX account in XXXX. I disputed it repeatedly. They turned it over to portfolio recovery and all these years later they are threatening to garnish my check for charges I did not make.
Consumer complaint received 2023-05-22
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. (OH)

I Have no knowledge of this account, XXXX XXXX XXXX ACCT # XXXX, but it is being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. Therefore, this is in violation! According to 15 US Code 681s-2, a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-27
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Specialized Loan Servicing Holdings LLC (CA)

Specialized Loan Servicing continues to attempt to collect an alleged debt from me. I do not lawfully or legally owe. Per the IRS publication I am entitled to the principal balance and interest from this account. Specialized Loan Servicing is required by law to pay the taxes on this and account accurately report this to the IRS. Specialized Loan Servicing has failed to comply. My promissory note is what is being used as the security in this credit transaction. Specialized Loan Servicing does NOT have possession of the note therefore there can not have a claim for performance. Furthermore I have the higher exclusive equitable claim in ALL of my financial assets and as the beneficiary owner of my estate I am demanding subrogation rights therefore I can not be held more liable than Specialized Loan Servicing nor harmed more than Specialized Loan Servicing. The Federal Reserve Act strictly prohibits banks or financial institutions to require anything other than commercial paper for security so pledging my family home as collateral violated the law and requirements in place by the Federal Reserve Bank who issues the Federal Reserve Notes.
Consumer complaint received 2024-07-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (DE)

LVNV FUNDING LLC Subject : Notice of Violation of Rights under FDCPA Dear LVNV FUNDING LLC, I am unaware of this debt. I did not have an opportunity to dispute this information.

Per my records, your agency has violated my federal rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( a ) ( 15 U.S.C. 1692g ( a ) ). According to the FDCPA, debt collectors are required to provide a validation notice to the consumer within five days of the initial communication regarding the collection of any debt.

If in fact you believe you gave me proper notification, then please send me the certified receipt with my name on it. Otherwise, I request that this account be immediately removed from my credit profile.
Consumer complaint received 2024-01-28
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NY)

I applied for and received an American Express Delta XXXX card on XX/XX/2023. The card has a {$550.00} membership fee. When I enrolled and agreed to the fee, the primary benefit was purchases made on the card would trigger " XXXX XXXX '' and XXXX Waiver benefits. 

Delta and American Express subsequently changed the program so " XXXX XXXX  '' and XXXX  Waiver benefits were no longer offered after XX/XX/2023. See XXXX XXXX XXXX American Express stated that their user agreement allows them to change the terms and conditions at any time. 

I believe these changes are not merely of the terms and conditions. They are a fundamental change in the product that negates the reason I enrolled and agreed to pay {$550.00}.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Harley Davidson Financial Services Inc (NH)

I financed a vehicle with Harley Davidson Financial Services in around XXXX. I voluntarily let the vehicle go to repossession early in XXXX. The account took a long time to be listed as closed. After disputing the closed dates multiple times through my credit monitoring service, the account suddenly changed to an open with missed payment status. I contacted the creditor directly, and a representative agreed that the account shouldn't be reported this way and agreed to change it and remove the missed payment. 

The change took place about a month after my request. At this time it was reported as being closed in XXXX XXXX XXXX. Now once again for no reason the account is being reported as open with a missed payment. 

The actions of this creditor blatantly violate the Fair Credit Reporting Act and they are indeed fraudulently reporting this account in an effort to damage my ability to rebuild my credit. I hereby request that the creditor be notified of their breach of legality and remove the account from my personal credit history once and for all. I appreciate any help you can provide with this matter! 

Regards, XXXX
Consumer complaint received 2024-01-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (MT)

I dont think I even have a collection with them anymore there is an incredible amount of calls all days and times including weekends. No voicemails and Ill block the number then they use another number. Emails and etc I can get a log if needed theres a ton over the last 3 weeks.
Consumer complaint received 2024-01-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (KY)

A check was deposited for the amount {$5000.00} on XX/XX/2023 in my account it was cleared and on XX/XX/2023 bank closed my account and said you will get this money by cashier check in the mail. Now its more than a Year and bank is saying that we will send this money back to sender but after visiting branch many times banks is not sending money back. I want this money back to me or sent back to the sender. I have the detailed statement we have requested the bank to give our money back as soon as possible but they didn't hear. Please help us to get our money back. Thank you My Details : - Company Name 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 2024-01-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DISCOVER BANK (OH)

Charged off account that was past the 7 years took money from my savings account. I never received court papers to dispute this in court. Money was garnished out my savings account on XX/XX/2024 in the amounts of {$75.00} and {$88.00}
Consumer complaint received 2024-07-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: Real Time Group, Inc. (AZ)

I saw a report on XXXX XXXX about zombie 2nd mortgages & felt I needed to submit a new complaint. I have been a legal assistant in AZ for over 30 years. I filed XXXX XXXX XXXX in XXXX & received a discharge in XXXX. During my XXXX, my XXXX ( $ XXXX ) & XXXX ( $ XXXX ) mortgage servicer ( XXXXReal Time Resolutions ) foreclosed & was required to reverse the foreclosures. I never received any supporting docs about the fees charged. The Judge ordered me to modify the XXXX & they added more fees. In XXXX, I got divorced and sold my home. Real Time charged me over $ XXXX in default interest on my $ XXXX HELOC. I want people to know what these crooks do to collect their money.
Consumer complaint received 2024-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Coinbase, Inc. (NY)

On XX/XX/XXXX, I received a refund from XXXX for a purchase that I used using my coinbase card in the amount of {$320.00}. They told me that there was a known issue with refunds that has been resolved on Monday XX/XX/XXXX. 

I still have yet to receive the refund.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA (CO)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( Section 6 0 4 A Section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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
Consumer complaint received 2023-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I paid off my Capital One Quicksilver Card on XX/XX/23 and the payment posted on XX/XX/23. The balance was {$1400.00} and I received an email confirming the balance posting, taking it to {$0.00}. Today, XX/XX/23, there is an interest amount due of {$27.00}! I called Capital One, ended up having the call escalated to a senior manager that would not remove the charge, siting its Capital Ones policy. Thats the only answer I received after asking why that amount was not included in the total balance owed. Any help would be appreciated since that balance is due on XX/XX/23 and Ive never missed a payment. Thank you.
Consumer complaint received 2023-09-20
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. (IL)

15 U.S.C 1681i ( 5 ) In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, # XXXX, # XXXX, # XXXX violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15U.S.C 1681 section 604 section 2 ; it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-07-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

I learned of a collection debt from XXXX XXXX in Texas, on XX/XX/year> through a collection agency ( LVNV Funding LLC ). XXXX XXXX filed a collection claim against me, for an energy /utility debt in Texas XXXX a state I have never lived in. This is a case of identity theft, as my social security number and name were utilized to open this account. I have reported XXXX XXXX  and XXXX to the XXXX. I reported XXXX XXXX to the FTC because this involved stolen social security number. XXXX XXXX informed me they requested XXXX to stop the collection process, but as of today this has not been done. XXXX will send me an affidavit to dispute this within the collection agency. 

However, there are many red flags in dealing with XXXX XXXX, and I failed to include this additional information in my FTC complaint. My FTC complaint was general but I need to disclose information XXXX XXXX requested from me, that to me is very suspect-especially considering this transaction involved identity theft. XXXX XXXX representative, XXXX XXXX, informed his supervisor stated I needed to send in the following documents to dispute this charge ; police report ( which sounds reasonable ), a copy of my driver 's license, and a copy of my mortgage deed. The last two documents make me feel extremely uncomfortable. This is such sensitive information when already dealing with identity theft-it makes me question whether this energy company is committing fraud against me? 

I called several collection agencies to get their expert opinion on collection processes, and asked if it was a normal or typical practice to ask consumers for copies of drivers licenses and mortgage deeds. Not one collection agency has ever heard of this practice? 

The agency 's name : XXXX XXXX, ( XXXX ) XXXX, XXXX XXXX
Consumer complaint received 2024-01-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Freedom Mortgage Company (IN)

I started loss mitigation packet in XXXX, they let is set for 90 days then said they didnt receive it. After getting more papers they asked for. Then I did it again to do loss mitigation and then assume loan like stated in our divorce degree XXXX yrs ago. They are still asking for papers due XX/XX/XXXX even tho there is sale date for XX/XX/XXXX. I need help stop sale date. After that I want to sure them for ruining my life for XXXX years straight now and for messing up my escrow and I would like to make sure they didnt scam the inhaf fund I got last year with all thier fees and charges. I am a veteran and I work for the XXXX XXXX I should not have to deal with this nor should any other American!!
Consumer complaint received 2023-06-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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


Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number:XXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX XXXX Account number:XXXX Account name XXXX XXXX XXXX Account number:XXXX 15 U.S.C 1681 Section 602 A4. States I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681 b- permissible purpose.

15 U.S.C 1681 E- compliance procedure.
Consumer complaint received 2024-01-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (CA)

Affirm has reported several payments to XXXX and This account is continuing to report errors without verifying it. I have a common name and have been a victim of identity theft stole Id and social security card I have reason to believe that you failed to conduct an investigation. Therefore this account could not have been verified. Provide proof of any/all evidence that you actually conducted a reasonable investigation to ensure maximum accuracy of your reporting on my credit report or IMMEDIATELY DELETE THIS INFORMATION FROM MY CREDIT REPORT because this information is UNVERIFIABLE
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SANTANDER HOLDINGS USA, INC. (TX)

I do not recognize this inquiry, and I did not authorize it. I request that XXXX provide me with documentation showing proof of my authorization for SANTANDER CONSUMER USA to make this hard inquiry on XXXX XXXX  2024 or remove this item from my credit report and adjust my credit score accordingly.