davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

Usaa sent document dated XXXX XX/XX/year> saying my account was closed. I currently have my VA disability checks and work checks deposited in account. They tell me i wont received that money for 60 days and it will be a check. I have contacted them on chat on phone call XXXX times as of right now, XXXX XX/XX/year>, with no luck. I keep getting emails saying they have escalated, but no one answers the phone and no email to respond back to. 60 days for me to find a new bank, adjust my direct deposits and have no funds to live off of.
Consumer complaint received 2023-10-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (OH)

Your claim form has been submitted Equifax data breach successfully Your claim number is : XXXX Supporting Documents Equifax Credit Bureau You May Print These Details And Keep A Copy For Future Reference By Clicking The Print Button. I sending a copy of the data breach form. Also XXXX forms to have all collections remove since my credit breach from Credit Angency allowed my information to get to third parties.
Consumer complaint received 2018-08-15
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TN)

I am Submitting this complaint with the CFPB due to Equifax NOT being in compliance with the law of the FCRA section 609 ( a ) ( 1 ) (  A ). you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. On XX/XX/XXXX I sent a dispute letter to Equifax on XX/XX/XXXX, I received a letter back of dispute results stating that the company  that reported the information certified to Equifax that the information was accurate. I went back to the original company/ courts and a administrator told me that the court does not provide any information to the Credit Bureaus. I also was informed from the court administrator that the 3 major Credit Bureaus gather or claim to verify information from a program or companies called XXXX, XXXX, and XXXX. According to the FCRA this is NOT verification because neither one of these companies are 100 % the ORIGINAL furnisher of these records! An with Equifax doing this it goes against my rights as a Consumer.Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed. I demand that with my supporting documentation from the original furnisher that all public records be deleted and blocked from my Credit Report immediately. 

Thanks
Consumer complaint received 2018-08-15
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: Williams, Alexander & Associates, Inc (NJ)

XXXX Refuses to delete/ remove a incorrect collection account from my credit report which does not belong to me & must be removed immediately as its hurting my creditworthiness, account info is as follows : WILLIAMS, ALEXANDER & ASSO XXXX XXXX XXXX XXXX , NJ XXXX A/C # XXXX {$55.00} XX/XX/2017
Consumer complaint received 2024-07-02
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: KLS Financial Services, Inc (NC)

Wow, where do I start? Well, for one, I'm still surprised they're in business. Let 's start with that they violated my FDPCA rights by refusing to provide a breakdown of the alleged balance. XXXX, their representative, claimed I owed the debt and had to pay it. She became aggressive after I reminded her they had to give me this documentation. XXXX refused my request for the second time and told me it was my debt and there was nothing they had to prove. After telling her I would report her, she laughed and said go ahead. She mentioned their affiliations with the XXXX  and the CFPB, implying they would side with her company. She then hung up on me. I called back and asked to speak to the supervisor on duty. The supervisor also did not want to provide proof, was just as rude, and used a threatening tone. She did not want to take my complaint, which was just as disrespectful. This company needs to be XXXX, and was investigated and shut down. This company is full of unethical people. I called back and asked to speak to the supervisor on duty. She also did not want to give me proof, was just as rude, and used a threatening tone as XXXX. Did not want to take my complaint on XXXX, and might I add that the supervisor was just as disrespectful? THIS COMPANY NEEDS TO BE INVESTIGATED AND SHUT DOWN. This company is full of unethical people. Further communication to resolve this debt will cause emotional distress, I hung up the phone and had an XXXX XXXX  from the rude and unethical behavior this company showed me.
Consumer complaint received 2024-07-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Fees charged
Company: Mr. Cooper Group Inc. (CA)

I checked my account today, and saw a {$25.00} fee that was not there before. I reached out to the company, and they said it was an expedited payoff quote fee, requested by a 3rd party mortgage lender that we have been trying to refinance with. The current company will not waive this fee, even though we were given no notice that this fee would be charged. We never agreed to the fee, and no 3rd party can make monetary decisions for us. They are saying now that the 3rd party lender should be contacted to pay the fee, even though it was our current company that has charged it to our account without our consent.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Continental Finance Company, LLC (CA)

I entered into a loan consolidation with my credit union ; XXXX XXXX XXXX XXXX to pay off several credit cards. One card was XXXX  and it is managed by Continental Finance Company. This card was paid off for the amount due at the time of the consolidation loan which was {$810.00} on XX/XX/XXXX. The check was cashed by them on XX/XX/XXXX and they closed the account on XX/XX/XXXX. They have continued to add charges to the balance which is now {$1300.00} and have reported it as a charge off on my credit report. I have made numerous phone calls attempting to resolve this and each time I am told to send the information to XXXX which I have done now three times. They will not give me a phone number to contact this back office and they have not responded to my emails. Each email has had the cashed check copy attached but they refuse to acknowledge me or their mistake. This false credit item is damaging my personal credit score. The only phone number I have is XXXX and they will not give me a phone number to contact their " back office ''.
Consumer complaint received 2024-03-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

I have autopay set up on Mohela. Ever since my payments started, I have been getting both a withdrawal notice and a notice after that my payments are delayed. I called Mohela customer service to see if they can tell me why I have an overdue balance and they were not able to resolve why. They said that they would tell accounting and that although they would work on the issue I may not be notified whether it is or isn't resolved.
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Colony Brands, Inc. (NC)

Account was paid in a settlement in XX/XX/2021. As of today, the account is still billing as a charge off. XXXX is now reporting as a Charge off and a balance of XXXX .... XXXX is showing a balance of {$650.00} ... when it was paid in XX/XX/2021. 

XXXX is also reporting.
Consumer complaint received 2024-07-01
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Foreman Financial Inc. (CA)

My complaint is against XXXX at Foreman Financial. Years ago about XXXX estimate time range, I bought and lost a XXXX XXXX. I was having my mail stolen as I lived in a XXXX  home. I did not get the court order to go to court and due to this lost the case. Regardless, the debt owed was presumed to be about XXXX. In which a judgement was passed on me for wage garnishment. I had my wages garnished until that amount and then randomly received a call saying I still owed XXXX and that he would begin to garnish my wages. I told him to do whatever he wanted and hung up. The second time he contacted me almost a year later and same argument but this time would not provide me any information and continues to tell me he couldnt give me a copy of the paper in front of him as it was not legal yet I have a transcript of his most recent voicemail. I also have proof of myself asking him for the total amount.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Webcollex, LLC (CA)

I made a payment arrangement and paid off the accounts. I paid the account and received proof of payment. I presented proof of payment several times, and yet this collection agency ( which is not the one who I had paid ) has come along and placed collection status on my account and refuses to accept proof of payment for may accounts. 

XXXX XXXX XXXX, XXXX {$500.00} Open balance XXXX XXXX XXXX XXXX XXXX XXXXXXXX Original creditor
Consumer complaint received 2024-07-01
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: CREDIT ACCEPTANCE CORPORATION (TX)

XXXX XXXX ( XXXX ) XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Formal Complaint Against Credit Acceptance for Violations of the Fair Debt Collection Practices Act ( FDCPA ) Dear Sir/Madam, I am writing to file a formal complaint against Credit Acceptance for what I believe to be serious violations of the Fair Debt Collection Practices Act ( FDCPA ) related to the repossession of my vehicle. The actions taken by Credit Acceptance have not only caused me significant distress but also financial harm. Below, I detail the key issues that necessitate investigation and action from the CFPB.

Unfair Practices : Credit Acceptance repossessed my vehicle without properly addressing or acknowledging my ongoing credit dispute. This action disregarded my rights under the dispute process, potentially constituting an unfair practice under the FDCPA.

Deceptive Practices : Throughout the dispute and repossession process, Credit Acceptance may not have clearly communicated the status of my dispute or misrepresented the process or their rights to repossess the vehicle. This lack of transparency and possible
misrepresentation could be deemed a deceptive practice under the FDCPA.

Failure to Communicate : Despite my dispute being in writing, Credit Acceptance proceeded with the repossession without adequately addressing the dispute, seemingly in violation of the FDCPA 's requirement for debt collectors to cease collection efforts until they verify the debt.

Furthermore, I wish to highlight a specific incident that underscores the aforementioned issues. I was informed by Credit Acceptance that I had until XX/XX/XXXX to retrieve my vehicle and personal belongings. However, on XX/XX/XXXX, the towing lot informed me that my vehicle had already been released to auction. This premature release of my vehicle to auction, despite my compliance with the deadline and having made the necessary payment, has caused me significant distress and financial harm.

Given these circumstances, I respectfully request that the CFPB investigate this matter and take appropriate action against Credit Acceptance for the potential violations of the FDCPA. I believe that the actions of Credit Acceptance not only violated specific provisions of the FDCPA but also fundamentally undermined my rights as a consumer. 


Thank you for your attention to this matter. I look forward to your prompt response and am hopeful for a resolution that addresses the injustices I have faced. 


Sincerely XXXX
Consumer complaint received 2024-07-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (TX)

This is a continuation of closed complaint XXXX. 

Chase Bank falsely and fraudulently responded to the XXXX complaint XXXX XXXX that they issued a cashiers check for my funds on XX/XX/24, and they also provided a fedex tracking number for this supposed cashiers check Before I investigated the validity of the FRAUDULENT cashiers check, I responded to the XXXX that I did receive the check. 

On XX/XX/24 I deposited the fraudulent check into a wells fargo checking account. XXXX XXXX advised me that they will not cash the Chase Bank cashiers check because Chase Bank refuses to release the funds, stating Chase bank has placed a HOLD of on the cashiers check. 

Chase Bank is now guilty of writing hot checks, and fraud, The actions by Chase Bank are malicious with a deliberate attempt to defraud, and are a pattern of misconduct. 

I need the XXXX to be more than merely a facilitator of communication between myself and Chase. Chase is currently committing bank fraud.
Consumer complaint received 2024-07-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (CA)

I recently pulled my credit Report and see that LVNV is reporting inaccurate information about alleged debts that I allegedly owe them! I dont know these people and have never done business with them. The amounts theyre reporting them have no proof to back them up! They are violating me by furnishing inaccurate information. 
( See attached )
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

XXXX XXXX fraudulent credit card take over and credit card FRAUD still on EXPERIAN illegally. 
Attached again is my Report FRAUD to the FTC and FTC Identity Theft Report. 
and XX/XX/year> letter to XXXX XXXX XXXX XXXX. 
XXXX XXXXXXXX SCAM to post negative info on my CRA 's.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

On XXXX I filed a complaint XXXX with the CFPB. In the complaint I stated : A review of my credit report shows I have a closed secured XXXX XXXX  XXXX credit card. When I reached out to XXXX XXXXXXXX XXXX to let them know I had not received my deposit back after the account was closed, they told me they don't have any records of me ever having an account with them. I explained to them the account is showing on my credit report and if they are saying I have never had an account with them I would like for it removed. XXXX XXXX  XXXX told me I needed to file a dispute with the credit agencies. I filed several disputes with which led to XXXX deleting the account. Experian and XXXX has refused to remove it as they and XXXX XXXX XXXX has returned it as verified. This is a violation of The Fair Credit Reporting Act. All information is expected to be 100 % accurate. 

As of XXXX Experian has not completed their investigation nor have they provided any status update. The Fair Credit Reporting Act states all investigations must be completed in 30 days. Experian has failed to comply with this law.
Consumer complaint received 2024-05-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A. (NC)

the company known as " XXXX XXXX XXXXXXXX '' with several phone numbers, ( XXXX ; XXXX ; and more. ) claims to be a debt arbitrator. I have tried to speak with them on several occasions, asking what this is about. each time they insist i owe money and they are trying to keep me from legal action in the county where I presently live. I have reminded them of of my bankruptcy discharge and they should check court records. They say the company they represent Citi Bank was not included in the discharge. I have records showing they were included. The original Bankruptcy was files in XXXX and fully discharged in XXXX. SWince filing for BK while living in XXXX, I have had to move numerous times. This Company could not even tell me my current address when I asked them to send me a letter with their request for additional information. 

I ' file additional complaints as needed.
Consumer complaint received 2021-02-05
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/2020. I requested Transunion and XXXX  to provide me with copies of the documents that they have in their files as of XX/XX/2020 that they used to verify the accuracy of the disputed account in the amount of {$8000.00}. The companies then sent me my credit report. However no evidence of the account being accurate was not recieved.This account does not show on my XXXX and is inaccurate.
Consumer complaint received 2023-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I sent XXXX XXXX XXXX a 1099C Form for cancellation in the amount of {$210.00} for the Capital One Platinum Card that I have on XX/XX/2023. Capital One Bank has restricted the card and hasn't sent me any documentation explaining the reason. Also I haven't received copy B of the 1099-C Form from them showing that the form is processed. The amount of {$170.00} is showing what's owed on the account because the payment was due yesterday, and I made payment although I can not use the account. Why isn't the amount XXXX? Capital One Bank has the statement showing that I made the payment of {$210.00}. They were instructed to deposit it into my Treasury Direct Account. Capital One also is denying me credit now.
Consumer complaint received 2024-05-08
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (OH)

I have a credit card with Synchrony Bank which I've been unable to pay for a while due to financial hardship. I can't pay anything at all so I never tried to set up a payment plan because I can't afford even that. Now they have sent me a court notice demanding I contact their attorney within 28 days or there will be a default judgment against me. However when I call the attorney they don't answer or return calls. Therefore there is no way to comply with their demands and i will have a default judgment against me without a chance to defend myself! I think they are refusing to answer the phone for this very reason, to take advantage of that loophole in the court system to get that default judgment. Is there anything you can do to help? Thank you!
Consumer complaint received 2018-08-15
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: EQUIFAX, INC. (NJ)

Equifax Refuses to delete/ remove a incorrect collection account from my credit report which does not belong to me & must be removed immediately as its hurting my creditworthiness, account info is as follows : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NJ XXXX A/C # XXXX {$55.00} XX/XX/2017
Consumer complaint received 2018-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (DC)

On XX/XX/XXXX Application for Chase Ink Preferred Business Credit Card was submitted. I called today to inquire as to the status. I spoke with XXXX in the Lending Department and was transferred to XXXX at Chase Business Accounts. He stated the account was denied to too many accounts. I then stated I do have personal credit cards and the only way to apply for a business credit card is with the use of a personal SSN despite the line of credit being extended to the company and use of FEIN. I then asked if is there a reconsideration phone number, to which he said no Chase Bank does not have that, this in itself is most certainly untrue. 

I called the business reconsideration line, XXXX, and spoke with an individual there who too told me the same thing. I asked how was this decision made. He stated that it was a systemic response. I asked what exactly does that mean-what 's the definition that Chase has provided for this term. He said it means just that. I asked was this reviewed by a human or machine / auto gen response. He repeated that it was a system response. I asked how was this decision rendered. He said " the system rejected it. '' I asked if a person reviewed it and or called me. He stated they do not do that. This is not true as when I applied for my Chase Sapphire Reserve credit card a representative from Chase did call me to verify that it was me and had personally reviewed my account and stated that yes I was approved. I then asked was this systems response due to their " 5/24 rule ''. 

" If you have 5 or more new credit card accounts in the past 24 months from any lender, you will get automatically rejected, no matter how good your credit score is. This policy is called the 5/24 rule. '' After several moments of silence he continued the conversation and avoided addressing the " 5/24 rule '', he then stated that they do not personally review accounts which I know to be false and find this to be discriminatory. 

The problem with this rule does make exemptions for authorized user accounts as it can not denote the difference. In addition they stated they do not personally review accounts which I know to be false and find this to be discriminatory.
Consumer complaint received 2024-05-07
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TX)

Had a JCPenney credit card since 2020. Always made timely payments. I received a letter stating Synchrony closed my account on XXXX a few days after paying off the total balance. I called synchrony for further clarification since the account has always been in good standing. Per synchrony, there were XXXX returned payments in the last XXXX months and the account was not eligible for reinstatement since it was closed. No further assistance or information was provided.