davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC. (TX)

Ally Bank approved the financing of my auto loan from the XXXX XXXX XXXXXXXX XXXX in XXXX XXXX XXXX, Texas after the promissory note was signed at the dealership for full faith credit payment of said goods purchased. 

Under the FDIC Hold in due process 6000 Rule 433.2 ( a ) Take or receive a consumer credit contract which fails to contain the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

16 CFR Part 433 Staff Guidelines on Trade Regulation Rule Concerning Preservation of Consumers Claims and Defenses ( Holder in Due Course Rule ) Rule Summary The Preservation of Consumers Claims and Defenses [ Holder in Due Course Rule ], formally known as the " Trade Regulation Rule Concerning Preservation of Consumers ' Claims and Defenses, '' protects consumers when merchants sell a consumer 's credit contracts to other lenders. Specifically, it preserves consumers ' right to assert the same legal claims and defenses against anyone who purchases the credit contract, as they would have against the seller who originally provided the credit. ( I was not provided full disclosure, and my credit was not credited to my account. ) First, the seller may execute a credit contract with a buyer which contains a promissory note. In the event that the promissory note is assigned to a credit company, the credit company takes it free of any claim or defense which the buyer would have against the seller. This is true unless the buyer can prove that the credit company is acting in bad faith or with notice of actual seller misconduct. Second, if a local statute prohibits the use of such promissory notices in credit sale transactions, the seller may incorporate a written provision called a " waiver of defenses '' in the text of an installment sales agreement. A waiver of defenses is the consumer 's written agreement that his installment purchase contract may be treated like a promissory note in the event that it is sold or assigned to a credit company. ( I was not provided full disclosure, and my credit was not credited to my account. ) Ally placed a lien for payments on this loan when the dealership was paid in full faith per the consumer credit contract and the signed promissory note. My attached Certified XXXX Search 11 shows no lien was ever placed on the goods in question. 

I'm not able to access my online statements or contract, I did send Ally Bank a request for a copy of my contract or statements.
Consumer complaint received 2022-04-03
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-09-24
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Charged upfront or unexpected fees — 
Company: Cardinal Branch (CA)

In XXXXXXXX XXXX XXXX we were in default with our mortgage company and Cardinal Branch contacted me and said they could help. They said it would cost XXXX and they would need it up front before they could do any work on this so we paid XXXX for 5 month which I am now informed that this is illegal and they were not allowed to ask for payment upfront. After we finished paying them then they start on the modification for which I was only informed that the bank did not accept our application until last Tuesday and now our house is in foreclosure and has a sell date of XX/XX/XXXX. We have been trying to get a hold of them but they will not return my phone calls or my text. They did send our file to an attorney they work with who is now going to charge us XXXX for their services. Can you help us with this?
Consumer complaint received 2021-02-21
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (CO)

On XX/XX/XXXX received letter from Dept of Labor and Employment saying claim for unemployment benefits has been received. My husband is XXXX years old and did not file a claim.XXXX XXXX received a Visa debit card from US Bank. We are fearful that someone is stealing my husbands identity. Please advise us on what to do to stop this.
Consumer complaint received 2020-05-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

I have 2 collection accounts on my credit from this company. I have never been contacted by them and I don't know what the debt is for. I am a XXXX and not only do my dad and I have the same name- so do 2 of my uncles and 1 cousin. I DISPUTE THE VALIDITY OF THE DEBT AND THE PAYMENT HISTORY. I never received a collection notice or the right to dispute.
Consumer complaint received 2020-05-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (NC)

XXXX overdraft fee and 7 XXXXfee total of XXXX need to refund back to My account Wells Fargo policy Collapse We receive most incoming electronic direct deposits before XXXX XXXX  each business day. With the Overdraft Rewind feature, well initiate a second review of the prior days transactions on your account at XXXX XXXX  local time.Footnote 11 If you had an overdraft or returned/NSF item on the previous business day and your direct deposit would have covered it, we will use funds from your direct deposit to reevaluate the transactions and waive the overdraft or returned item/NSF fees that would have been assessed.

Well calculate a new balance, which includes your pending direct deposit ( less any pending debits ), and use this amount to reevaluate the prior days transactions on your account and waive the overdraft or returned/NSF item fees for transactions that would have been covered by your direct deposit.
Consumer complaint received 2022-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc (FL)

I have had an account with PayPal for several years and have not had previous problems. 
I contacted PayPal regarding charges on my account for items that were not ordered by me or anyone in my household. 
Corrections were made for all but one charge. 
The charge that was not adjusted involved a purchase from XXXX XXXX in the amount of {$200.00} dated XX/XX/2022. 
The {$200.00} was withdrawn from my bank account by PayPal on XXXX XXXX I received a statement from PayPal stating that after review they found that this WAS NOT an UNAUTHORIZED transaction. 
I also contacted XXXX XXXX on XXXX was subsequently informed that they are investigating At this time I have not been refunded for this unauthorized charge
Consumer complaint received 2022-12-31
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. (MD)

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

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$200.00} 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 alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-02-17
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. (FL)

I have sent letters to all three XXXX, XXXX, and Equifax about having fraudulent names and addresses on my credit report. I've called several times and they say they can't remove these addresses and names that are not mine and that is causing fraud on my report. By FDCPA, they are required to make sure my credit report is 100 % accurate and it is not.
Consumer complaint received 2023-06-23
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. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-10-18
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL (NV)

Synchrony Bank manages two of my credit cards- Lowe 's and Amazon. Up until late XXXX, I would log into one card and see only the information for that one card. In late XXXX I logged into one of the cards and both cards information showed up. On XX/XX/2022, I called Synchrony Technical Assistance and was advised there was a new feature " account manager '' and if I didn't want to see all my credits cards Synchrony manages, I had to toggle the button to " off '' before logging into each account. I did that. Now several weeks later, I go to log in and the toggle is back in the " on '' position. On XX/XX/2022, I called again and told them to fix this problem, as the toggle should always be in the " off '' position and if someone wants to have their information co-mingled, they should toggle to the " on '' position. 

I accused them of co-mingling my private information ( i.e. user name and passwords ) from two separate companies together without my permission. Who's to say that one credit card company would not accidentally get the information about log in and password for the other company??? Synchrony claims they have the right to put multiple accounts under one umbrella. I DISAGREE. My information from one company should not be lumped together with another, as I said SEPARATE USER ID AND SEPARATE PASSWORDS. It would be if I were an accountant and had a client with separate businesses and then lumped them together in one reporting to said client. THIS IS WRONG. They are not willing to see this is wrong and fix it so the account manager feature stays " off '' and you would be required to turn it " on ''. 

I advised them that this would cause me to cancel these store credit card accounts and tell everyone I know about their practice to automatically violate our privacy without our permission.
Consumer complaint received 2021-02-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MI)

LoanCare or XXXX XXXX is messing with the servicing of my mortgage. I have been sending my payments in like clockwork to XXXX XXXX for years now. Then I get a notice that LoanCare will now be servicing my loan at the end of 2020. I received no instruction on how to make future payments. I only got a welcome letter telling me to sign up for a new account at XXXX It's been months and I still am unable to get their new account procedures online to work. I have called their number, ( XXXX endured hours of a phone menu from XXXX and have gotten nowhere. I have been told they don't have all my information yet, the website is down and I am doing it wrong. That is a bunch of bologna! 

The latest is I am told my escrow went up {$130.00} a month. That is a 31 % increase!!! Michigan homestead is limited to a 3 % increase in taxes a year. There is something seriously fishy ... new loan servier but still have XXXX in the title?
Consumer complaint received 2023-06-22
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: Paypal Holdings, Inc (IN)

Purchased product from XXXX with Venmo debit XXXX on XX/XX/23 XXXX charges.. {$360.00}, {$63.00}. 
Did not receive any shipping info on order, XXXX was not cooperative in communication so informed them i would be contacting Venmo about fraud claim as I suspected fraud. Venmo opened 2 claims on XX/XX/23. The account resolution dept stated they offer vendor 50 days to respond. I tried contacting XXXX directly stating they shipped me product i asked them to cancel and i returned it to so why wont they issue credit? They told me they couldnt assist me and to go to Venmo. After following up with Venmo they are stating they need another 50 days to investigate the {$63.00} dollar claim and 2 more days on the {$360.00} claim. I asked to speak to account resolution dept @ Venmo they will not speak to me directly. I receive emails that appear to be bot generated aaking for survey responce. I asked to speak with their legal team and again no cooperation. I told Venmo I wished to close my account and again no cooperation due to open claims. Both XXXX and Venmo refuse to return/ credit me for the merchandise purchased. I bank with XXXX which is linked to this account. They resolve things fairly efficiently. I have never seem such reteric and incompetence from Venmo and XXXX. 
XXXX help me resolve thia issue
Consumer complaint received 2021-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

Equifax refuses to remove the security freeze they put on my account without my consent. They keep sending me stupid items in the mail asking for more information. I REFUSE TO continue to respond to their stupid requests and demand that they immediately remove the security freeze. I have had enough of this XXXX XXXX company and am going to file suit in the United States District Court for the XXXX District of California unless they immediately remove the freeze.
Consumer complaint received 2020-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My XXXX XXXX XXXX Account was reported as closed on XX/XX/20 with initial remarks as " Closed at consumer 's request '' that have since been removed. This resulted in my utilization decreasing and FICO Scores dropping several points. I never requested my account to be closed and my attached current statement shows that. I contacted the company XX/XX/20 and a representative confirmed account was still open and status would automatically update. As of yesterday XX/XX/20 a full month later, account is still showing on my report as closed even though a new statement was generated on XX/XX/20. I called XXXX XXXX XXXX a second time on yesterday XX/XX/20 and was informed by a representative that I would need to contact the Credit Bureaus myself to update since it was no error on their part.
Consumer complaint received 2020-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I have contacted the following companies numerous times and filed a claim with Experian and XXXX. I have contacted XXXX XXXX to inform them my score is incorrect and this problem has not been resolved. XXXX XXXX  has not contacted either Experian or XXXX to my knowledge. My card balance for the account ending in XXXX is {$1300.00} and balance for the account ending in XXXX is {$660.00} as of today XX/XX/20. I have made previous payments on both accounts to lower the balance over a month ago and have filed a previous claim. I have made sure to keep the balance low. We are trying to buy a home and are having an issue getting a non FHA loan because my score wont update due to my account balances. Thank you for your time hopefully they can resolve this.
Consumer complaint received 2020-05-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX  XXXX XXXX XXXX The account was to be REMOVED account was a account associated with Fraud of a Loan product that lead to loss of primary residence in 2007. 
I have written to XXXX  XXXX XXXX XXXX, your agency and Trans Union and XXXX  are still reporting this lowering my scores for years! Please reach out to them both I will attach the document which indicated the bank decision after the Fraud Case and The Federal Governments Decision to make XXXX  XXXX XXXX XXXX  correct the account. My problem is is this account was removed and placed back onto my XXXX  and Trans Union Reports after all the years. This needs a resolution immediately.
Consumer complaint received 2021-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc. (MA)

On XX/XX/XXXX i received a personal loan into my MoneyLion checking account via direct deposit. On that day I also made a purchase of just under {$1000.00}. On XX/XX/XXXX my debit card was declined for a small XXXX transaction. When I checked my account there was a noticed that said were seeing slower than normal responses retrieving your balance. Dont worry, you can still use your debit card to make purchases or withdrawal cash. After seeing this message I contacted customer support who informed me that that account had actually been deactivated due to suspicious activity. I was never contacted asking if the transactions made were initiated by me, they just shut my account down leaving me without access to my account and all of my funds. When I asked how the matter could be resolved I was instructed to send a copy of my current ID, proof of address and an explanation of the charges to their resolutions department. they then told me it would be 3-5 business days to get back to me. I asked to speak with someone in resolutions to expedite the process and they said they could not contact them. I have now been without access to my checking account for 3 days with no access to money. This completely cut me off from all funds and there is the potential this will not be resolved until Friday. This is not a normal banking practice. I was never reached out to by them regarding this and I only discovered it by my card being declined. It is completely unacceptable for the to cut someone off from their account for potentially a week. I sent them all information requested early on Friday as well as several follow up emails with no response. This online bank Id backed by XXXX XXXXXXXX XXXX whom I will also be filling a complaint with through the FDIC.
Consumer complaint received 2020-05-12
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. (GA)

Reached out to the three credit bureaus about an inaccurate collection item on my credit report and they are saying that the debt is verified as accurate, which it is not I told them that I received a one page lease that shows 1 of 8 pages and I only received page one. On the one page it does not say anything about a broken lease fee, I asked the agencies how did they certify the debt and got no response, I havent received a billing ledger for the collection agency and it says I sent a notice that I wanted to end the lease which is not attached. They are reporting information that is not accurate and unverified, you cant add something to my credit report without a full lease, full payment history, and proof of this debt. Please review the documents Im submitting and please tell me where it even states if a lease is broken there is a fee, therefore this is not acceptable and irresponsible reporting this.
Consumer complaint received 2022-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Account shows several incorrect amounts of late payments. XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
Account is over 8 years old.
Consumer complaint received 2021-09-27
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: EQUIFAX, INC. (AL)

In XXXX and XXXX of 2021, I filed a dispute with this credit bureau about UNVERIFIED COLLECTION ACCOUNT on my credit report : XXXX XXXX Account number XXXX. In those 2 months I have asked numerous times for a response into their investigation and I have not received anything in response from this bureau in over 2 months.. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this companythis account as of today. Thank you