davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. 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. 

I have already filed a complaint to have this file removed from my credit report it was already removed from my XXXX but not on my XXXX and Equifax now I continue to get harassed with calls from multiple numbers which are disrespectful and also violating my rights 15 U.S.C 1681n civil liability for willful noncompliance states a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;
Consumer complaint received 2023-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (MD)

I banked with this Wells Fargo for my business banking needs. It was many times that my account had a lot of errors, fraudulent withdrawals and more. I tried to correct many issues until I decided to stop banking with this company. 

I have lost out on a lot of money from these problems I faced while banking with Wells Fargo. 

Many times, my funds were not deposited in total. I had to deal with missing funds in small and large amounts. I had to file many fraud investigations. Many times, my card was charged for thing that I did not purchase. I have had problems with overdraft fees that caused many unpaid bill payments due to lack of funds. It was a total nightmare that led up to me just allowing the account to close on its own.
Consumer complaint received 2022-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: COLLECTIONS USA, INC. (CA)

I started receiving calls from a group called Collections USA out of XXXX, AZ. This is from a judgment on an eviction that I had back in XXXX. Because their client XXXX XXXX XXXX gave me bedbugs on two occasions. That's the reason for the eviction. I have spoken with them about this and have for years, despite repeated calls to try to get me to pay the amount. I have told them that I do not have the money and that I owe other debts and that when I get those paid off that I would get to them when it's their place in line. I have told them that I do not want to pay it out of principal on account of the bedbugs. Which is neither here, nor there. During the last couple weeks, I have needed to find housing for myself and my credit is getting ran and they were possibly spoken to by the new apartment leasing company that I applied to - I don't know? But what I do know is that their calls started on XX/XX/XXXX and they called again on XX/XX/XXXX ( I didn't pick up either time ). These calls are coinciding at the same time I am looking for an apartment. Then on the same day XX/XX/XXXX I received a notification from my XXXX credit reporting app that I had another collections account added to my report and I looked and it's COLLECTIONS USA, again. This time saying that it's for the same debt, but for the {$3.00} difference in interest that the court taxes on every month ( the interest I have known about all along and another of their coercion tactics ). But it's saying that this account is from XX/XX/XXXX??? Why is there the original one on there from XX/XX/XXXX too?? This is where I have a problem. It is intimidation on their part and they shouldn't be allowed to conduct business this way if that's how they conduct business. I called and left a voicemail on Friday XX/XX/XXXX and told them to contact me immediately. It had turned into Monday XX/XX/XXXX at XXXX XXXX and I hadn't heard from them and so I contacted them to see why they would put that other flag on there and they told me that " they didn't know? '' but that " they could garnish my wages ''. I told them that I had already done this song and dance with them and that what they was saying wouldn't work. They then said they would have their billing department " look into it '' and " get back to me ''. I then proceeded to tell them that I would be contacting XXXX XXXX  for hire ( which I have ) because I felt that this was " probably not legal ''. XXXX XXXX has stated that they have " dealt with them before '' and that it " isn't surprising what they're doing ''. This is why I am filing this complaint against them, along with getting representation. They are predatory and advantageous at best and I would like them to leave me alone about this and I would like to see that they and the debt go away for their borderline fraudulent activities.
Consumer complaint received 2021-06-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NJ)

I closed on my loan with Fremont Mortgage on XX/XX/XXXX. I was approved for loan modification 2x in XXXX. I was approved for another loan modification thru Ocwen Mortgage in XX/XX/XXXX with trial payments starting in XX/XX/XXXX. After the trial payments Payments began. The loan modification shows {$52000.00} be removed from the mortgage for 3 years. Ocwen then turned over my account to PHH Mortgage Services, XXXX  XXXX NJ who then turned it over to XXXX Collector ; XXXX ; email : XXXX XXXX has added added additional money to the new modification by going back to the original loan
Consumer complaint received 2020-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (CA)

on XX/XX/2019 ordered product from revolution fit muscle using citi bank card, it involved a charge of XXXX for on a 14 day trial, was not happy with product cancel but was a little late, so when the second shippment arrivied I SEND IT BACK. when I disputed the charge of XXXX, citi bank investigated and but did not revers the charge, and reported it as late on my credit report. A disputed item is classifies as a billing error right. Why should I pay for an item that was send back. Citi card is wrong or they did a poor job of investigating. Sincerely XXXX XXXX
Consumer complaint received 2021-08-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

On XX/XX/XXXX I sent a certified mail return receipt letter to both XXXX  and XXXX  pursuant to my consumer rights listed in the Fair Credit Reporting Act. I have called and used mobile apps to submit disputes to no avail and my consumer rights were violated. Per the Fair Credit Reporting Act 15 USC 1681a ( 4 ) the consumer has a right to privacy and both XXXX  and XXXX  have violated that right. Written consent was not given to either company to harness my personal identifying information which includes my credit card account ( social security ). XXXX  and XXXX  are not government agencies and have a grave responsibility to the fairness, equity, and respect to a consumer. Also, per the Fair Credit Reporting Act, 15 USC 1681a. ( 2 ). ( b ) - any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; shall be excluded from the consumer report. Both XXXX  and XXXX  are in violation of 15 USC 1681a. ( 2 ). ( b ) for having these extensions of credit listed on a consumer report. To further attached to this complaint are my written instructions as they pertain to me, the consumer, pursuant to 15 USC 1681b. ( 2 ). To further all items listed on the consumer report for me, XXXX XXXX, stated that the companies are the creditors which is false and misleading as I am the creditor per the Fair Debt Collections Practices Act. I demand all of my information be removed from the systems of both XXXX  and XXXX. Lastly when I submitted a request for deletion before the account was returned as verified. Per the Fair Credit Reporting Act who was interviewed to verify any first hand knowledge of accounts.
Consumer complaint received 2022-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL (IL)

In XX/XX/XXXX, I tried contacting Synchrony Bank/Paypal credit numerous times in regard to suspicious activity and some charges on my account. There was no way to get ahold of them. I tried via telephone, online messaging, and email. Nothing worked and no one contacted me. As a result and for fear of my account being compromised, I put a payment block on Paypal until I was able to speak to someone. I spent over 5 hours on the phone on multiple occasions to no avail. In XXXX of XXXX, without prior warning, I was notified that Synchrony was closing my account. I had still made payments through their online system, however since my automatic payments were cancelled, due to suspected fraud, they closed my account. They sent me a notice stating this and my credit agency notified me that the account was closed with a XXXX balance. Because the account was closed by the bank, this adversely affected my credit report. I verified with my credit agency that the account had been closed with a XXXX balance, sent a letter to XXXX informing them I was told I did not owe any money after they closed the account. After a dispute, the credit agency ruled in my favor and removed the negative remark from my account. Now, four months later, Synchrony is back demanding payment via collection calls and they have once again filed a negative remark despite this having been settled. This is a violation of my rights and I am sick of being harassed by them. I want this to stop and I want my credit report restored to good standing. Maybe Synchrony should focus on responding to fraud investigations and customer complaints more proactively so they dont have to violate consumer rights due to their own mismanagement.
Consumer complaint received 2022-06-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: OpenRoad Lending (MI)

I reached out to Open Road Lending llc. Multiple times regarding this matter of trying to cancel gap insurance. I was very clear to them in the being that i did not want gap insurance. XXXX XXXX is the name of the agent that i worked with at open road lending and when i noticed the gap included in the docu sign contract that was sent to me i asked he about it and he stated that he would get this issue resolved this was on XX/XX/2022. Now i am still calling and getting the run around between opening road lending and this third party dealer XXXX XXXX XXXX on trying to cancel a policy i never wanted or asked for to begin with please help as i do not know where else to turn.
Consumer complaint received 2021-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CT)

My wife and I maintain freezes all of our credit report unless we need them open. If so, we open them temporally and then freeze them again. We are strict about this following the Equifax hack, especially after it came out how irresponsible they were with all of our personal data. 

We have decided to refinance our mortgage, and went to lift all 6 of our freezes. The only freeze that can not lift was my wife 's Equifax report. First, their website locked her out without explanation, second, their automated phone system is both very cumbersome and sensitive to background noise which resulted in her being locked out of her account unless she faxed or mailed documentation to Equifax. There is no way to speak to a US based call center, and no expedited process for users needing urgent support. 

Equifax has placed an unjust burden on consumers like my wife and I, and are effectively holding us XXXX in the face of a rising rate environment.
Consumer complaint received 2022-05-02
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. (PA)

Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now, this is my last attempt before I take legal action. The law you are violating is clearly here. The civil liability law which I will sue under is clearly here. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting the Congress make the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.
Consumer complaint received 2022-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: CarMax, Inc. (NV)

I applied for a car at CarMax I was told that I needed XXXX down was gon na put XXXX  down on the renegade. I was approved at this time it was make the money to buy the car I had made the money and paid rent for a family member I then was short, no money no big deal ill work extra and make the money back. They ran my credit over 5 different times I wanted the renegade and they destroyed my credit payments every month on time and no problems I was focused on building my credit and yes the car would have finished raising my credit these were unauthorized runs against my credit. I ask them to fix it they said it was identity theft and transferred me to a number and I now have left a message my credit dropped XXXX XXXX after I have worked so hard and was trying to help another not to loose their credit with their housing I have not once but over and over been putting up with this kind of business on my phone and others violating my life I am asking you please help me get this off my report and back to the score I had before trying to better my life somemore.
Consumer complaint received 2020-12-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (MI)

I registered for the PayPal promotion at https : //www.paypal.com/us/webapps ... XXXX on XX/XX/XXXX. 

The promotion offers a {$25.00} cash reward after three purchases of {$35.00} or more using PayPal at XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX. 

I made the 3 purchases at XXXX on XX/XX/XXXX, but did not receive the {$25.00} credit as promised from the promotion. The promotion fulfillment window of 5-7 business days has now passed, and PayPal has not credited the reward. 

I contacted PayPal support, who has been unable to resolve this issue. 

The promotion is still active and being advertised at the original link as of XX/XX/2020. 

I appreciate your help in resolving this issue and having the {$25.00} reward applied to my PayPal account.
Consumer complaint received 2022-10-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NV)

LVNV Funding & Resurgent Capital are harassing me for accounts that I did not open and filed police reports against. I gave the consumer credit reporting agencies copies of these documents in which the accounts were removed from my credit report. This means they corresponded with the original creditor of said account. I am displeased to see my identity and personal information ( SSN ) was shopped around to a third party. 

Today, XX/XX/2023 this account is showing on my credit report by a third-party collection agency. This is illegal pursuant to 15 U.S.C 1681b, permissible purpose. No account can be on a consumer credit report without written consent from the consumer. Additionally, I have no contract or business with LVNV Funding, and this account on my credit report has hurt my score. 

ACCOUNT : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX police report and proof of unathorized reporting of account onto credit report
Consumer complaint received 2020-12-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NJ)

The mortgage lender submitted the 1Q 2020 tax payment with an incorrect reference number and my city was unable to credit my property tax account. I've spent approximately 40 hours on the phone with the mortgage lender over the past year trying to remedy the situation. Each subsequent quarter, the mortgage lender submitted an incorrect amount resulting in our account being continuously overdue throughout the entire year. We've received delinquency notices monthly all year and finally the week before XXXX we received a notice of tax sale on our home. The lender finally acted, though once again did not pay the correct amount. Rather than waste my time and energy, I went down to city hall and paid the difference myself. To clarify, my mortgage lender did not pay 1Q 2020 property taxes that were due on XX/XX/XXXX2020 until XX/XX/XXXX. 

Now that this tax issue is sorted out, we've received an escrow disclosure statement where it is evident that the mortgage lender is attempting to charge late penalties to me. I was assured repeatedly throughout the year that the lender would be solely responsible for paying any penalties. It is my understanding that the reason I pay monthly escrow payments is so that the lender can make accurate and timely property taxes. Instead, the lender has wasted my time, caused XXXX  and XXXX, repeatedly made property tax payments incorrectly, late, or not all and is now attempting to charge me for their error. To add insult to injury, they are asking me to pay an escrow deficit of {$4400.00} by XX/XX/XXXX. 

I am at my wit 's end with this lender and I do not know where to turn. I have filed complaints with the XXXX  twice that have not resulted in anything outside of a letter from the lender indicating that they are reviewing my account and will get back to me on regarding my inquiry soon. I can't go through this for another year let alone another XXXX years of my life.
Consumer complaint received 2021-09-13
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX and XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected.
Consumer complaint received 2022-06-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MoneyLion Inc. (CA)

STATEMENT OF FRAUD RE : Case XXXX for account ending in XXXX I, ( name here ), hereby state that the above referenced card was ( select one ) : 1. ____ Lost / Stolen 2. ____ Never received in the mail 3. __x__ Used without my authorization, but still in my possession I have not used the card account described as above for the transaction ( s ) listed below. I have not authorized anyone else to use or have possession of the card account described above. I did not, and will not, receive any goods, services or other benefit as a result of the transaction ( s ) listed below. 
The signatures or other forms of authorization appearing on any of the sales drafts, ATM transactions, telephone/mail orders, or applications for the transaction ( s ) listed below, are and will be forgeries. 
Date Description Amount Disputed Amount XX/XX/2022 XXXX XXXX XXXX, XXXX, XXXX {$21.00} {$21.00} XX/XX/2022 XXXX XXXX  XXXX, NY {$81.00} {$81.00} XX/XX/2022 XXXX XXXX XXXX, XXXX, XXXX {$21.00} {$21.00} XX/XX/2022 XXXX M, XXXX, AZ {$19.00} {$19.00} XX/XX/2022 XXXX XXXXXXXX XXXX  XXXX, CA {$1.00} {$1.00} XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, CA {$1.00} {$1.00} XX/XX/2022 XXXX XXXX XXXX XXXX, CA {$1.00} {$1.00} XX/XX/2022 XXXX XXXX XXXX XXXX, XXXX XXXX CA {$1.00} {$1.00} XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA {$1.00} {$1.00} XX/XX/2022 XXXX XXXX XXXX, XXXX XXXX CA {$1.00} {$1.00} XX/XX/2022 XXXX XXXX XXXX  #, CA {$0.00} {$0.00} __x__ I have no knowledge of the identity or whereabouts of the person ( s ) responsible for the transactions listed above, OR : ____ I can identify the suspect as : Name : Phone Number : Address : City, State : Please provide any additional information you may believe may be helpful in our investigation ( you may attach additional pages, if needed ) : _________________________________________________________________________________ _________________________________________________________________________________ I certify that, to the best of my knowledge and belief, all the information on this Statement is true, correct, complete and made in good faith. I understand that this Statement and the information it contains may be made available to federal, state, and/or local law enforcement agencies for such action within their jurisdiction as they deem appropriate.