davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL (CA)

Subject : Disputing Information in Credit Report I am writing to dispute the following information that your company supplied to XXXX, XXXX and XXXX XXXX reporting agencies XXXX XXXX XXXX 

This item in specific detail retailer installment account last four # XXXX at XXXX XXXX XXXX XXXX is not delinquent and is inaccurate because pursuant to " Cal.Civ. Code sec 1810.4 '' ( " The finance charge shall include all charges incident to investigating and making the retail installment account. No fee, expense, delinquency, collection, or other charge whatsoever shall be taken, received, reserved, or contracted by the seller or holder of a retail installment account except as provided in this section. '' ) Also according to " Cal Civ Code Sec 1788.10 '' ( " No debt collector shall collect or attempt to collect a consumer debt by means of the following conduct : ( a ) The use, or threat of use, of XXXX XXXX or XXXX or any criminal means to cause harm to the person, or the reputation, or the property of any person ; ( b ) The threat that the failure to pay a consumer debt will result in an accusation that the debtor has committed a crime where such accusation, if made, would be false ; ( c ) The communication of, or threat to communicate to any person the fact that a debtor has engaged in conduct, other than the failure to pay a consumer debt, which the debt collector knows or has reason to believe will defame the debtor ; ( d ) The threat to the debtor to sell or assign to another person the obligation of the debtor to pay a consumer debt, with an accompanying false representation that the result of such sale or assignment would be that the debtor would lose any defense to the consumer debt ; ( e ) The threat to any person that nonpayment of the consumer debt may result in the arrest of the debtor or the seizure, garnishment, attachment or sale of any property or the garnishment or attachment of wages of the debtor, unless such action is in fact contemplated by the debt collector and permitted by the law ; or ( f ) The threat to take any action against the debtor which is prohibited by this title. '' ) I am requesting that XXXX XXXX have the delinquencies removed and account updated in accordance with Cal Civ Code sec 1810.4 and sec 1788.10. 



Attached are copies/exhibits of documentary evidence with description, supporting my request. Please reinvestigate this matter and contact the nationwide credit bureaus to have them correct the disputed item as soon as possible.
Consumer complaint received 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Credit Karma (NJ)

I called XXXX yesterday about the concerns about why my score has not been reported to credit karma. So I got in contact with credit karma they stated that XXXX wasnt report my score to them, they havent update my XXXX score to the company. So when I called XXXX fax they give me a XXXX  XXXX excuse saying they are reporting my score every month. I told the bureau that credit karma stated the last report was XX/XX/2022 they sit own the phone lie in my face! Which I have proof they never updated nothing!
Consumer complaint received 2023-01-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP (SC)

Mortgage was due for XX/XX/XXXX. Unable to make payment online due to account status staying in loss mitigation codes despite account being current. Had to make remaining XXXX payment of {$90.00} on XX/XX/XXXX. Was charged convenience fee of XXXX despite numerous attempts to make payment online and over phone to get fee waived since its illegal to charge processing fees for mortgage payment in XXXX XXXX. XXXX  days later the funds stayed in unnapplied equaling a full payment of {$1300.00}. Status still showing due XX/XX/XXXX online and unable to make payment for XXXX except over the phone. Was forced to pay processing fee which once again is illegal in XXXX XXXX.
Consumer complaint received 2017-04-03
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Nationwide Recovery Systems, Ltd (NC)

XXXX has some companies like XXXX on contract to serve their beneficiaries with their medical supplies. Based on my inquiries, I was assured by XXXX that I would not be charged out of pocket for the supplies or their services. Every time a shipment was mailed out to me I received a called most of the time from a gentleman name XXXX. Every time I say to him if I have to pay a copay do not send the supplies. For almost a period of XXXX year I was never notified of any unpaid amount, nor was I sent any bills along with the supplies. Out of nowhere, I received a bill from XXXX stating an unpaid amount for the supplies. Upon inquiry, I was not given a straight answer which led to my complaint with XXXX in XX/XX/XXXX. By XX/XX/XXXX, XXXX stopped responding to XXXX. In XX/XX/XXXX, XXXX closed the case. There was no communication from XXXX. Then suddenly in XX/XX/XXXX, I received a call from a collection agency attempting to collect on behalf of XXXX XXXX XXXX. Upon explaining the whole situation to XXXX from the collection agency, I was advised to contact XXXX. Upon several attempts to make contact, once delivering my information and the issue, XXXX hung up on me, this happened back in XX/XX/XXXX. I left several messages and finally, an agent XXXX XXXX XXXX, called me back on XX/XX/XXXX. She was extremely apologetic, and assured me that someone would contact me very soon to resolve this issue, but they had been very busy, which was why they had n't been able to call me back. It 's already been XXXX months and I have n't heard anything from XXXX or the collection agency ( XXXX ). Back in XX/XX/XXXX while speaking to XXXX I mentioned I will be contacting XXXX to make them aware of the issue with XXXX ; she laughed saying XXXX is not going to do anything. In XX/XX/XXXX I say to XXXX I was going to contact XXXX and make a formal complaint about XXXX, once again she said XXXX can not do anything about it. She was right ; XXXX does not even have a section where one can file a complaint against companies like XXXX 
I am tired of the harassment XXXX has put me through for 4 years. They lie over and over because they know nothing is going to happen. 
As per our talk ; I understand when you say is a matter of time ; and in the meantime what should I do? Keep my hands cross and let XXXX do to me and so many others as they please? 
XXXX has to be held accountable for their wrongdoings. I can assure you if we use media to find out how many more people have been treated the same way as I have, you 'll be surprised. XXXX has a count of just a few of them and even like that there are already too many. 
I will not tolerate XXXXs harassment any longer, it has to stop now because I do not owe them anything.
Consumer complaint received 2023-07-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (LA)

I was informed of a collection account with ERC through credit karma after it was reported to the credit bureaus. I received no phone call, no email, nor did I receive a letter in an attempt to notify me of this account before reporting to the credit bureaus. The account itself was wrongfully opened by a telecom company who did in fact receive their returned equipment. In my attempt to reconcile, their agents were aggressive and condescending and lied about tactics used to establish contact
Consumer complaint received 2022-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I would like to submit a complaint. I am also aware that capital one may retaliate by closing my account for whatever random reason that they choose to select because of this complaint. I have 2 capital one cards 1 with Walmart and one regular capital one card. My payments are due on the XXXX of each month. I made both payments at the same time XX/XX/22. Walmart card was charged a {$28.00} late fee and my regular capital one card was not. I called and spoke with a supervisor and was told it was because I made my payment after XXXX XXXX. I do not show this stated anywhere in your payment policy. It shouldnt matter if I make my payment at XXXX on the XXXX as long as I make it on the XXXX it should apply. 
Supervisor I spoke with was XXXX XXXX she placed me on hold 3 times for XXXX minutes supposedly looking for a resolution all to get back on the phone to tell me there is nothing she could do. I also made XXXX Extra payments in XXXX to get me a month ahead to prevent late fees because I have XXXX jobs and I forget while you guys are Late fee HAPPY and I STILL ended up with one. 
When it is my Error I will pay my late fee like ive done in the past. THIS IS NOT MY ERROR.
Consumer complaint received 2022-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

About a year ago, I opened up an account for my small business And I noticed that transactions were being made in the account without my permission, and I try to open a personal account report it and they just closed my account without my knowledge and refused to let me report the wrong doings and refused my request for account statements I immediately went to the local branch in XXXX  XXXX California and was not only treated horrible but then I was lied to. ABout the status of my account but was. Also refused service or explanation btw Im talking about chase and J.P. morgan a similar thing happen to me with my XXXX XXXX account as well but Ill wait to explain more when contacted I feel I have been bullied out of my accounts by these establishment and corrupt employees please help me
Consumer complaint received 2022-12-21
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I was frauded in XXXX and XXXX. Just received account investigation that I not responsible for charges. I called to order a new card 5 times and telling them I haven't received my card. They said I needed to talk to someone in the fraud department. I explained I received XX/XX/XXXX XXXX2022 the investigation was complete. Then they told me on account is in review and it has a frizz. I asked for what and they said there is nothing they can do until this is complete.
Consumer complaint received 2022-02-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL (PA)

Synchrony Bank has continued to harass me though my consumer reports and letters, they disturb my peace, disturbed my health, continues to threaten my reputation, and has continued to report without my consent these damaging allegations to the major consumer reporting bureaus, a responsibility they assumed and was never given to them. 
I have sent a debt validation letter by certified mail which they have never returned filled out. They have also discriminated against me for exercising my rights, pursuant to XXXX XXXX XXXXXXXX XXXX ( XXXX ), Synchrony Bank closed my care credit account, which was in perfect standing and had a credit line of {$500.00}, and also without my consent have closed my XXXX XXXX credit account which had a limit of {$4000.00} also after requesting and sending a proper debt validation request, which they never replied to. They after acknowledging receipt of my cease and desist have continued to cause harm to my reputation.
Consumer complaint received 2017-04-03
Product: Credit card — 
Issue: Transaction issue — 
Company: AMERICAN EXPRESS COMPANY (IL)

I had an American Express Delta Skymiles Card- had a high limit and paid on time consistently for several years. There was $ XXXX of fraudulent charges on my account and opened an investigation. The merchant never responded/provided any documentation that could substantiate these charges. In fact, the merchant responsible for these charges is n't even in business now. However, the 3rd party performing the investigation engaged in multiple phone calls that became borderline harassment as they were unequivocally trying to find a way to get me to back down so they could collect the money from me. I asked them if they could put the charges back on my account without any documentation/response from the merchant and they did n't answer as they apparently were not at liberty to do so. Subsequently, I requested to speak to a manager. I never had that chance because they cancelled the card and now are trying to collect the balance of the card PLUS the roughly $ XXXX of fraudulent charges. This is adversely affecting my credit which is deplorable considering they are ignoring my repeated requests for them to look further into the fraud situation. I believe this is unethical but also illegal business practice because my rights as a consumer are being ignored and they are attempting to use intimidation tactics to get me to back off which I will not since I refuse to pay for charges that I never incurred. Please let me know what my rights are as a consumer and what actions I can take to resolve this issue. Thank you.
Consumer complaint received 2022-12-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

Dear Sir/Madam, I am writing to file a complaint against a collection company, Fair Collections & Outsourcing ( FCO ), for violating the Fair Debt Collection Practices Act ( FDCPA ). Specifically, I believe the company violated 15 USC 1692c 805, which states that a debt collector should use obscene or profane language.

I have received numerous phone calls and emails from Fair Collections & Outsourcing ( FCO ) trying to collect a debt, and they have repeatedly used obscene or profane language. I have been in communication with XXXX XXXX XXXX XXXX  | XXXX XXXX  and Consumer Relations Agent from XXXX According to 15 USC 1692c 805, it is illegal for a debt collector to communicate with a consumer in any place or manner that is inconvenient to the consumer. However, this Fair Collections & Outsourcing ( FCO ) has repeatedly contacted me at work, despite my requests for them to stop and my notification that it is inconvenient to receive calls at work.

Furthermore, this Fair Collections & Outsourcing ( FCO ) has also been using abusive and threatening language towards me, which violates the Act 's prohibition against using abusive or threatening language ( 15 USC 1692d ). In addition to this FCO is also in violation of following 1. Using obscene or profane language.

2. Publishing the consumer 's name or address on a " bad debt '' list.

3. Continuing to communicate with me after the consumer has requested that the debt collector stop contacting them.

4. Contacting the consumer at inconvenient times or places, such as before XXXX XXXX PST 5. Misrepresenting the amount of the debt, the legal status of the debt, or the consequences of not paying the debt.

6. Using false or misleading representations or deceptive means to collect the debt.

I have asked FCO over the phone and in writing that the collection efforts were wrong because the original vendor had wrongfully added those charges without providing me a breakdown and copy of the invoices. All those charges were fraudulently created by the vendor, which I tried to explain to FCO. However, FCO is being bullied and told me they would get this collection, and they don't care about the authenticity of these charges so I requested them to let me work directly with the vendor and they said they don't care as the account is with them.

I would like to ask the CFPB to take action against this Fair Collections & Outsourcing ( FCO ) for violating the Fair Debt Collection Practices Act and that they cease their unlawful behavior immediately.

I would like the CFPB to investigate this matter and take appropriate action against Fair Collections & Outsourcing ( FCO ) to ensure that they comply with the FDCPA. I have included copies of the phone logs and emails as evidence of the Fair Collections & Outsourcing ( FCO ) 's actions. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-12-21
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

Hello I filed a complaint with these same scammers back in XX/XX/2022 and today they are back at it calling my husband and daughter and leaving urgent text messages. The scammers are XXXX XXXX  XXXX XXXX  trying to collect from capital one credit card saying I need to pay a settlement amount before it hits the court in XXXX XXXX ohio.i have nothing of this matter pending anywhere in XXXX XXXX
Consumer complaint received 2016-07-08
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Schukei Chevrolet Volkswagen (OH)

turned in leased vehicle, which I was suppose to either get another leased vehicle, or a new vehicle. I purchased a new vehicle in 2006. I was charged even though the agreement was that I would be able to take ownership and make payments. My car was repossed in XXXX the creditor changed hands 3 times, each time extending my lateness. car was sold at auction. it has been over 10 years and XXXX continues to have no information of my payment history, yet they do not know how much I paid, they say I have no late payments, they closed account and tell me I still owe XXXX. It was 10 years ago I purchased an XXXX, between my lease return, and purchasing the new vehicle, the XXXX original lender, sold my car note, then XXXX owned it and sold the note again to XXXX. XXXX is charging me for a repossession they have no explanation for what late payments, what paymens were made, and it is long overdue to remove this from my credit report since it looks like I own XXXX cars. my personal information was exchanged through all these agencies, and sensitive information. Phone calls 6x daily for years. I am now on XXXX, I was able to have XXXX and XXXX remove from credit report, but XXXX will not. They say it is closed account with outstanding balance of XXXX they charged me as if I never turned in the leased vehicle fully paid on time, added insurances I declined, and threatened me when I told them I was going to contact XXXX in Ohio XXXX the sales dealership was XXXX XXXX, XXXX, Ohio. I have no agreement with XXXX.
Consumer complaint received 2022-12-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (OH)

I placed an order with XXXX XXXX in XXXX and they use Affirm as their financing company. I have been making payments on time, but there have been substantial issues with ID neglecting to meet timelines promised and continuously pushing dates of delivery back while not paying their vendors etc. This is well known on the internet and in groups I am a part of, so I ended up having the order cancelled by ID with the assurance Id get my money back in full ( over $ XXXX ). That was at the end of XXXX. Their system shows its cancelled, but Affirm is still hounding me for a payment even though I filed a dispute AND submitted documentation that the order was cancelled. I will not keep making payments on something I will never receive, especially when theres no guarantee that if I DO make new payments Ill ever see my money come back to me. This is unethical. I should not be expected to make payments when I have proof the order is cancelled and no product in hand.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Mailed letters on XX/XX/year> to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2022-12-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

I made an agreement with and individual to buy a XXXX XXXXXXXX XXXX XXXX XXXX We were to use a broker/shipping company to do the transaction. I sent {$13000.00} to the account given to me by the company ; XXXX XXXX, from my bank XXXX XXXX XXXX XXXX, to HSBC UK. XXXX XXXX was to arrange for shipping and when I received the car I would inspect it and then notify XXXX XXXX and HSBC that it was in acceptable condition and they could release the funds. The car was supposedly destroyed during shipping and XXXX XXXX said they would tell HSBC to refund the money to me. There were delays from them on the return of the money that they said was caused by multiple things but in the end there was no refund. I was in continuous contact with them and the seller but then after a couple of weeks there was no response. I tried to contact HSBC directly but they would not give me any information about the account and told me to have my bank contact them. I contacted my bank and they worked through XXXX XXXX ( the wire transfer company ) to get the refund back. Today, my bank said XXXX XXXX closed the case because HSBC already released the funds to the recipient ( without my permission ) and there was nothing else they could do. My bank ( XXXX  ) says there is nothing more they can do since XXXX XXXX is the transfer company. I have been trying for over XXXX months to get my funds returned. The agent at XXXX XXXX was XXXX XXXX and the seller was XXXX XXXX and the bank was HSBC UK.