davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LEXISNEXIS (GA)

LEXIS NEXIS SUPPLIED FRAUDULENT INFORMATION TO THE CFPB regarding complaint # XXXX. Lexis Nexis stated the information was removed per the letter to the CFPB, my insurance rates yet increased again to {$430.00} dollars a month starting in XXXX. I was notified via another Insurance Company as their rates were vastly different with a rate of $ XXXXa month. 

LexisNexis has violated the following : 1. 15 USC 1681 ( a ) ( 4 ) " Infringed Upon a Consumer 's right to privacy '' and 2. 15 USC 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction I had recently received notification from a customer service representative from XXXX as my insurance rate has increased ; when I inquired about the increase in my insurance premiums, the rep advised that it was due to a report obtained from Lexis Nexis and a ticket that I was reported in XX/XX/2021 I am still waiting for the case to reset regarding the alleged ticket issued due to the request for reasonable accommodations based on my XXXX. ( See attachments from the courts ). Therefore, the Information obtained is inaccurate and fraudulent at BEST. 

Accordingly, I REQUEST THE FRAUDULENT INFORMATION THAT IS BEING REPORTED TO BE REMOVED EFFECTIVE IMMEDIATELY BEFORE A LAWSUIT IS ENSUED AGAINST LexisNexis/XXXX 

Based on my XXXX and the discriminatory terms provided I will also contact the U.S. Department of Justice civil rights against LexisNexis. I am REQUESTING USAA DELETE THE INFORMATION FROM LEXISNEXIS due to their violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq., as amended. 

A complaint with the FTC and CFPB along with Securities and Exchange Commission ( SEC ), Commodities and Future Trade Commission ( CFTC ) and the IRS will be filed to include the Department of Justice for FINANCIAL CRIMES AND INSURANCE FRAUD. I am utterly disgusted of the fraudulent, deceptive business trade acts of the insurance companies and banks and LEXISNEXIS for provided the deceptive information to a federal agency to avoid penalties. However, they continue to has no regard for stealing from consumers by any means NECESSARY.
Consumer complaint received 2023-08-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (GA)

This complaint is against Wells Fargo. In a recent response letter from Wells Fargo in response to my CFPB complaint, the following was stated on paper and thus on record : If I wished to close my account, they gave me their Customer Service # to call in order to close the account. This was needed because they have refused to give me access to my account, as the Identity thieves have controlled my accounts since XXXX XXXX, and Wells Fargo has consistently refused to help me, yet give the ID thieves total access to my accounts. They told me that I needed a reference # to close the account. I've been given no reference #. They refuse to accept their letter as verification. The reason this account needs to be closed, is due to the fact that they allow the identity thieves to have access to my accounts, and thus drain the monies. It is impossible to work with Wells Fargo. They tend to treat customers with pure hate. Don't take my word for it, just review the many, many, complaints, available for the world to see!!!
Consumer complaint received 2022-09-15
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. (CA)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXXXXXX Balance : {$21000.00} ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; AFS XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-09-15
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (NY)

Quote from XXXX XXXX XXXX, XXXX " The XXXX protects cell phone users against unwelcome robo-calls and calls made using an automatic dialing system from companies '' " Debt Collection is a legal activity. But when it translates into stress and anxiety for the consumer, it no longer is legal. '' Everyday, Mon-Sunday, at random times XXXX sometimes XXXX  on the dot I receive an 'automated ' call from supposedly " Synchrony Bank '' requesting I call back. It is the same automated voice and same message every time regardless of day, whether the banks open or not, and even on holidays. It is not a person and when you answer you get the same automated message. If you call the number you get an automated message saying " Thank you for calling paypal credit ''. They don't specify any information regarding having contacted the correct person or specifics as to why. 

I looked up the number that is called XXXX and multiple sites and users report it as a spam caller that calls multiple times a day phishing for XXXX XXXX  info, pretending to be XXXX. The automated message from incoming calls says it is Synchrony Bank however. Regardless of their legitimacy or connection to XXXX or synchrony bank, they are not following the guidelines of the XXXX XXXX XXXX XXXX and are skirting the rules set by the FTC ( can't call before XXXX so they call at XXXX on the dot ) and they need to stop.
Consumer complaint received 2022-09-27
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. (NY)

To : Consumer Financial Protection Bureau, Equifax is continuously noncompliance of the Federal Law, and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you
Consumer complaint received 2022-09-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (TX)

I have joined XXXX XXXX XXXX using several accounts. Synchrony is one of the companies that I have settled with and paid off for an Amazon Store card. I believe I also had a Discount Tire card that got behind at COVID when it was around {$600.00}. I don't understand why they can call the phone I buy for my business and keep my voicemail full all of the time. And it doesn't show on my display. I don't see how to block the number. The voicemail always starts in the middle, is automated and says call back XXXX
Consumer complaint received 2022-08-08
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Arias Bosinger (FL)

I wasnt aware that I have 2 accounts for my HOA I did pay one account this year and I ask the agent if I owe any money she said I dont few months later I received a letter I owe a amount for different account. I ask her for the payoff amount. And is way too much for attorney charger and fees last time the amount was more than this one and I payed less amount. I need help please
Consumer complaint received 2024-10-22
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Freedom Mortgage Company (CA)

My mortgage was sold from XXXX XXXX to Freedom Mortgage on XX/XX/XXXX. Loan Number XXXX. Per the instructions, I was paying after XX/XX/XXXX so I sent my XXXX mortgage to Freedome Mortgage as instructed. I sent check # XXXX for {$3100.00} by mail and they cashed it on XX/XX/XXXX. 

In paying my XXXX payment, I noticed that the XXXX payment was not credited. Sent an email through their website on XXXX inquiring, no reply. On XXXX I called and the Customer Service Agent said they could not locate a payment and told me to report it through the website. I therefore sent ANOTHER email on XXXX, no reply. 

Received a letter threatening reporting me to CRA 's dated XXXX, received XX/XX/XXXX. I sent ANOTHER email to the mortgage company. No reply. However miraculously my payment was suddenly posted to the loan and back dated posting of XXXX. 

However, I then received a CERTIFIED LETTER advising no payment and that they would report me to CRA on XX/XX/XXXX. Sent another email saying they were incorrect and no reply. 

On XX/XX/XXXX I called Customer Service and went through the entire issue with them. They confirmed receipt of payment. I asked for a letter confirming they are not reporting me to a CRA. On XX/XX/XXXX they sent a letter that states that they can't report me for 60 days upon payment of a mortgage payment to the prior lender. The letter does not say that they can not report me for a payment made to the new mortgage holder.
Consumer complaint received 2022-09-15
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: Experian Information Solutions Inc. (NC)

Im contacted XXXX XXXX XXXX XXXX In regards to the report on my credit report, 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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt, this company has contacted me several times via phone & mail another violation of my rights, this company has violated my rights, I do not owe this creditor listed any money,
Consumer complaint received 2022-08-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Midwest Acceptance Corp. (MO)

Today XX/XX/XXXX I received a call at my place of employment from someone who didnt share their name yet asked for mine. Seeing that we are a business I didnt seem to mind it and told her who I was. It was at this point the lady responded by saying, oh Im calling to verify employment for a XXXX XXXX in which I immediately said no we do not have anyone with this last name. She then responded back saying okay thank you and hung up without acknowledgment of who or where she was calling from. It was at this point I decided to verify the number she called From and came to realize it was a company called Midwest acceptance who I had financed a vehicle through back in XXXX, so I decided to Call them back and ask if the call was for me and not a XXXX XXXX. The lady then said for me to hold and put me through to another gentleman who was very unprofessional confirming that I was the reason for the call and almost immediately threatening garnishments. Now in the prior years I disputed these charges due feeling that I was lied to by the dealership and Midwest because of a car accident that i was not at fault for but left with a balance and no car due to not being provided or offered gap. Midwest and the dealership knew that this was my first time financing a vehicle and argued with me stating that the reason I was not offered gap was because I would not have been approved for the vehicle if gap was added. After one year of fighting I decided to go to this dealership and came to find they had closed their doors for good leaving me once again in the dark. Fast forwarding to XXXX while checking my credit report I had seen that their had been 2-3 collecting agencies assigned at different periods to collect this debt but without communicating was showing closed and written off as a loss which then made me believe that I was now going to be left alone as the damage to my credit had already been done. As for today not only was I lied to about who was calling and who they where looking for but was immediately intimidated with threats to garnish if I did not make a payment. I then explained everything about my discrepancies and that I had seen multiple debt collectors assigned but that this had gone away and written as a loss but was told that Midwest has never reassigned and that I was a lying. This then printed me to request my original signed documents so that I could dispute this once again but before getting off the call was told that I needed to make a payment or expect garnishment.
Consumer complaint received 2022-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (NJ)

On XXXX2022 I reported to TD Bank about unauthorized transactions on my Credit card : XX/XX/XXXX2022 amounts {$260.00}, {$260.00}, {$260.00}, {$19.00} total {$820.00} ( claim # XXXX ). Since I spoke with TD representatives on XXXX/XXXX/2022, XX/XX/XXXX22, XX/XX/XXXX22, XXXX/22,XXXX/22,XXXX/22,XXXX/2022 I still don't have resolved result about above fraud. Charges still on my card account. Bank is continuing charging late fees and interest from me ( up today {$63.00} ) .Please help me to resolve this issue. 
Thank you XXXX XXXX.
Consumer complaint received 2022-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CO)

Best Buy Credit Card Company I made a purchase for goods for delivery and returned it the next day. Everything was credited to my account except for XXXX dollars. I paid that off immediately but they continued to charge me interest over the next months plus late fees that I could not figure out where they were coming from. 

They charge me close to XXXX dollars in late fees and I never had a balance on my credit card. Fraudulent company and policies I finally closed the account and then the lady told me I would still be charged interest even though I had a zero interest plan!!
Consumer complaint received 2022-09-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

Upon applying for a HELOC loan from Bank of America, we were told if approved the bank would be responsible for making the payoff for all the accounts. 
XXXX Bank did not receive a payment for this credit card. the first payment according to bank of America the first payment was mailed on XX/XX/2022, this check was not received by XXXX Bank. A stop payment was placed on this check # XXXX on XX/XX/2022, and a new check ( XXXX ) was issued. 

The second check XXXX, was mailed to XXXX Bank which has no business relation with XXXX. This check was cashed on XX/XX/2022, by XXXX bank and Bank of America representative told me chase cashed on XX/XX/2022, even as I reported that XXXX said they have not received or cashed a check from bank of America. Please the documents and the circle I made at the endorsement of the check. It's now XX/XX/2022, and XXXX still have not received the payment and I was told that my account is in danger of closing.
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MS)

I am writing to bring to your attention several discrepancies and instances of improper use in my credit report. As a responsible consumer, I am concerned about the integrity and accuracy of the information contained in my credit file. 

I have recently reviewed my credit report from your agency and have identified issues. 
I request that you investigate these discrepancies and rectify any inaccuracies promptly. My credit report should reflect accurate and up-to-date information, and these discrepancies are negatively affecting my creditworthiness. 

I also want to bring to your attention the improper use of my credit report, which I believe violates my rights under the Fair Credit Reporting Act ( FCRA ). They accessed my credit report without my explicit authorization, and I would like this matter to be thoroughly investigated and any necessary action taken to rectify this situation. 

Please inform me of the steps you intend to take to address these issues and provide me with a written explanation of your findings once the investigations are complete. I am relying on your cooperation to resolve these matters promptly. I enclosed all documents I appreciate your prompt attention to this matter. I expect a response within the legal time frame as stipulated by the FCRA.
Consumer complaint received 2022-10-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (VA)

I only use XXXX for the convenience of my clients to pay me. 

On XX/XX/2022, I noticed 2 unauthorized, fraudulent transactions on my XXXX XXXX screen, along with several names on my XXXX page of people that I do not recognize as contacts : On XX/XX/2022 there was a XXXX unauthorized money transfer out of my Wells Fargo checking account, that is linked to XXXX, of {$65.00} ( case # XXXX ). 
On XX/XX/2022 there was another XXXX unauthorized transaction out of my Wells Fargo checking account, that is linked to XXXX, of {$600.00} ( case # XXXX ) On XX/XX/2022 upon noticing these 2 unauthorized, fraudulent transfers, I filed an online complaint thru Wells Fargo. 

On XX/XX/2022, without anyone contacting me to gather any information about these transactions, they told me today that the {$600.00} XXXX transfer was DENIED by Wells Fargo after their investigation. 

I've been reading that there are several complaints against XXXX for this and other type of illegal transfers with the same resolution : denied. 

Since Wells Fargo is not willing to assist me further with these illegal transfers, I'm filing a complaint here to see if further assistance could be rendered or to at least, make this known.
Consumer complaint received 2022-09-15
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc. (GA)

Delete Collections from Convergent Outsourcing from XX/XX/2020. Your company is in clear violation of the law under 15 U.S. Code 1602 p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 
15 USC 1692b Not state that such consumer owes any debt ; XXXX XXXX debt collector seeking location information must identify themselves by name, but must not identify his employer unless asked. When asked, however, the collector must give the true and full name of the employer to comply with this provision and avoid violating other sections of the FDCPA. An individual debt collector may use an alias if it is used consistently and if it does not interfere with another partys ability to identify him ( e.g., the true identity can be ascertained by the employer ), and the collection laws of his or her state allow the same. 
15 U.S. Code 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 
Best Regards, XXXX XXXX
Consumer complaint received 2022-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE (TN)

I received this card earlier in the year and have used it heavily because it gives me airline miles for my purchases. I have never been late on my bill and Ive actually paid off the full statement balance every time I have use the card. And roughly 6 weeks ago I received a letter from Barclays saying that my account was under investigation. They requested a copy of my transcripts from the IRS. Ive had some problems with a previous accountant who had my XXXX and XXXX taxes in complete disarray. It took me some time to get my taxes filed so transcripts would be available. Barclays did not have anybody available to have a conversation or to consult with about this investigation. I called and spoke to somebody three times holding for an hour to an hour and a half each time. Every time I called in they really couldnt tell me anything other than to get the information that the bank was requesting in. I was never even told why my account was being investigated. I protested the cancellation and sent a letter to the Office of the president at Barclays including the transcripts that they requested. I did speak to a very nice lady but she told me that a decision has been made already and there was nothing they could do to reverse it. As a result this shows up negatively on my credit report. I take my credit very seriously and I find it troublesome when negative information has to appear on my credit report even though I lived up to my commitments and paid my bill 100 % on time. They even pulled my credit which has another inquiry on my credit report that I did not authorize. I never ever had a problem paying my bill and I had some huge balances I felt like I was a very good customer and living up to my end of the card holder agreement. Barclays customer service through this process was extremely difficult to deal with with long hold times And once you finally got through nobody could really tell you anything It was like a big secret. What an awful way to treat your customers. I wish I wouldve never applied for this card Had I known this is the way they treat their customers I wouldve avoided this.
Consumer complaint received 2022-09-15
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: Experian Information Solutions Inc. (CA)

I submitted a letter to the XXXX Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}