davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-30
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: WELLS FARGO & COMPANY (NY)

This case is to be attach with My XXXX XXXX XXXX XXXX filed on XX/XX/XXXX mob # XXXX both of us is on the mortgage deed and title. 
I spoke to our lawyer he side dont need to sign any more papers. He did every thing at closing so why is well fargo threatening my husband and I to sign for package of papers about 45 pages. They are doing fraud we dont know who to trust if we have a home that we work hard for. Well FARGO EMPLOYEES discriminated against us and give us fraudulent contract to sign which need to be investigated by CFPB. I am doing a case under my name with more information Wells Fargo have to answer since my husband submitted new information about his case today XX/XX/XXXX that is why he withdrew the previous case. And when we look at what we down loaded someone at your company CFPB is removing important information and the down load proof papers he submitted is all mix up and not in order so I I putting every thing we need to address so all our questions will be answer since XXXX XXXX at Wells Fargo told us we cant withdraw our case and she was consent if I will send all the fax I sent her which I put in my husband case but it is missing when we check. Every document is numbered on my case on each paper. On a peace of paper attach. Starting with number 1-50pages Thanks
Consumer complaint received 2024-01-24
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I am writing to formally file a complaint with the Consumer Financial Protection Bureau following notification that I was the victim of a data breach which has led to the appearance of unauthorized and suspicious accounts on my credit report. 

Upon reviewing my credit report, I have identified several accounts that I believe have been opened fraudulently as a direct result of this breach. 

Please see attached documents. 

As a consequence of these unauthorized accounts, my credit score has been adversely affected, and my personal financial standing is at risk. This situation constitutes a serious infringement of my rights and privacy. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I hereby demand the immediate removal of these items from my credit report. Furthermore, I am seeking statutory damages in the amount of {$1000.00} for each instance of illegal reporting by the credit bureaus as allowed under the FCRA. It is my understanding that entities who fail to maintain proper procedures to ensure the accuracy of my credit information are liable for such damages. 

I trust that the CFPB will take my complaint seriously and assist in rectifying this situation promptly. I expect to be notified of the actions taken on my behalf and to receive confirmation that the fraudulent accounts have been removed from my credit files. 

Please find enclosed copies of my credit report highlighting the suspicious accounts, along with any other relevant documentation.
Consumer complaint received 2024-01-24
Product: Vehicle loan or lease — Lease
Issue: Repossession — Account reinstatement or redemption after repossession
Company: AMERICAN HONDA FINANCE CORP (NJ)

On or about XX/XX/XXXX my XXXX XXXX XXXX was repossessed. Before this date, I in good faith submitted an ACCORD AND SATISFACTION XXXX XXXX XXXXXXXX XXXX XXXX with a redeemable Postal Money as payment. on XXXX different occassions. The XXXX money orders were redeemed. Therefore, I thought the payments were settled. XXXX XXXX later I began receiving threatening phones from a representative XXXX XXXX XXXX informing me that my vehicle would be repossessed. She informed me that the ACCORD and SATISFACTION was an unacceptable for of payment. yet she refused to provide me with proof. After that encounter I began properly filling out my XXXX  statement ( on XXXX occasions ). Again she informed me that that was unacceptable and refused to provide me with proof. Within XXXX XXXX my Honda XXXX  was locked and my vehicle was repossessed. Upon researching my contract and rights in this matter I have found that several of my consumer rights were violated. Also they are inaccuratlely reporting on my credit report. Honda has charged off the debt. A XXXX XXXX is income. Make it make sense. 

15 USC 1601, 15 USC 1667 ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ), 15 USC 1667a ( 3 ) ( 4 ) ( 5 ) ( 6 ) ( 7 ) ( 8 ) ( 11 ), 15 USC 1667b ( a ) ( b ) ( c ) ,15 USC 1667d ( a ) ( b ) ( c ) 15 USC 1602 all, 12 CFR 1002.7, 12 CFR 1002.4, 12 CFR 1022 ( v ), 18 USC 8, 12 CFR 1016 ( p ) 15 USC 1692 ( g ), 15 USC 1692 ( f ) 31 USC 312, 12 CFR 1005.34, 12 CFR 1005.36 15 USC 160, 15 USC 1666 ( b ), As well as, my 4th amendment/ article 6th " the right to secure in my person... property ... without seizure .... ''
Consumer complaint received 2024-01-24
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. (MD)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-26
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

When I applied for unemployment in XXXX  I ask for the prepaid card the first amount XXXX was put on a prepaid card that I never received it shows in my account on the unemployment website that the money went to the car but I never received the card I called Bank of America they stated that the money was in the account but the name did not match the social did the name did not I called unemployment office they told me it was a Bank of America issue and Bank of America stated the same thing it was an unemployment issue The unemployment office sent the money in under a different name but with my social security number Bank of America will not release the money because the names have to match I asked if Bank of America could just send the money back to the unemployment office they stated the unemployment office would have to call them and ask for it to be returned The unemployment office would not do that so the money is still sitting at Bank of America and I am unable to get it I have tried and tried I have all the information the name of the person that is supposedly on the car but it's under my social I have all of the information I got a police report You can check the unemployment website showing that the money supposedly went to the prepaid card that I never got but I am unable to get the funds
Consumer complaint received 2024-01-24
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (GA)

I had reopened a Victoria Secret card after It was closed prior when it was fully paid off. I had issues with them lowering my credit limit each time I paid a large amount or paid off the balance and they made excuses for why they did it, yet it made my credit score even worse due to it showing I was over the limit, when the credit limit was lowered to less than the current balance. I filed a complaint previously with ID XXXX stating this and they said that IT NEVER HAPPENED and that's not their practice. 

Here I am sending another complaint about the same thing. My new Victoria 's Secret card credit limit was AGAIN lowered AFTER paying off the balance. It was lowered {$200.00}. The balance was always mainly 10 % - less than 30 % of the limit, but they lowered it anyways. The letter I received said it was because of my revolving accounts with high limits, no real estate loan info, too many delinquent or derogatory accounts, and too many bank cards with high balance.. Yet, I had those same credit factors BEFORE I applied for the new one. This company really doesn't support their customers by lowering the credit limits making it harder to keep or increase the score due to higher utilization when they lower the limit.
Consumer complaint received 2024-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (MD)

XX/XX/2024 XXXX XXXX XXXX XXXX & XXXX XXXX XXXX Truist XXXX XXXX XXXX XXXX XXXX, NC XXXX RE : Help Requested Checking Account XXXX Dear XXXX XXXX XXXX I have tried to seek help through Truist Customer Service but have not been able to understand the logic behind a ten ( 10 ) day hold on a personal deposit of {$400.00} that I made via the Truist phone application on Friday, XX/XX/2024. 

Background I made a check deposit of {$400.00} from my XXXX XXXX XXXX XXXX ( XXXX ) checking account ( XXXX ). My XXXX checking account is linked with my Truist checking account ( XXXX ) and vice versa. The deposit was made via my Android phone and at the time of the deposit, my Truist checking account was overdrawn in the amount of negative forty-one dollars and twenty-eight cents ( - {$41.00} ). My deposit when fully cleared would have left a balance in my Truist checking account of {$360.00}. 

When I made the deposit on Friday, XX/XX/XXXX, it was posted with {$220.00} immediately available. 

However, on Saturday morning, XX/XX/2024, I received a text message indicating that a XXXX Administrative hold had been placed on the full deposit amount. I called my local Truist branch and was told I need to call back on Monday to speak with the back office. I also called on Monday, XX/XX/2024, and after being on hold for about XXXX minutes waiting to speak with a manager or supervisor, I was still unable to get a reasonable explanation from the Customer Service Representative who placed me on hold. 

Follow-up Request Sir, is there anything that you can do to help me? Why is there a 10-day hold on a check from an account that is linked to my Truist checking account? 

I would appreciate hearing from you. Thank you! 



Sincerely, XXXX XXXX XXXX ( work ) XXXX ( cell, no cell access at work ) XXXX ( home ) XXXX ( email )
Consumer complaint received 2024-01-24
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: CITIBANK, N.A. (OR)

The audacity! I have said repeatedly, remove all names but 1. Remove all address but 1. Remove all jobs. Then XXXX posted a fraud alert with a phone number listed to call first, which I have repeatedly said remove all phone calls but 1. 

This company and the many other XXXX some agency in banking, credit, reporting, all are acting and behaving like XXXX year olds. Do not listen, and further Perpetuate this operation which keeps the record filled with incorrect information relating to misinformation and bad credit status. 

I have repeatedly instructed that its a violation of my rights to have this material listed and please remove it. 

Im told one told, and find the actions are something completely other than what was discussed. 

Unfair, unjust, unethical and fraudulent conduct continues with this greedy rotten industry thirsting off my credit and sharing none. 

This has gone too far.
Consumer complaint received 2024-01-25
Product: Credit 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: Newport Intermediate Inc. (VA)

On XX/XX/XXXX I noticed unauthorized charges on my Northlane debit card. I notified them while the charges were outstanding but they still let them process. 

I sent in requested paperwork on XX/XX/XXXX, disputing the charges. 

Their customer agreement says it can take up to 30 days to have the funds returned. I called after the 30 days and was told it could be 45 days. I called on Friday XX/XX/XXXX and stated my claim would be escilated. 

Today I was informed it would be up to 90 days as that was the time alloted the company who accepted the charge to dispute and provide evidence. They stated that this time would expire on XX/XX/XXXX while 90 days is actually XX/XX/XXXX. When I try to discuss it I get hung up on. 

XXXX  charges were in dispute for {$280.00} XXXX XXXX {$77.00} and {$56.00} XXXX XXXX {$150.00}
Consumer complaint received 2024-01-25
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL (TX)

Synchrony Financial is not reading the information and reviewing the evidence that is being presented. Amazon clearly stated to me that the return had been recieved and I provided evidence of this through chat transcripts and emails from Amazon. Then Amazon submitted to Synchrony that the return had not been recieved which is false. Amazon has been inconsistent in their details and story. This is a {$1900.00} that I have had charged to my account and I do not have the item and Amazon admits this. Synchrony continues to commit what I would consider fraud and refuses to provide the proper resolution to this issue. Syncrony is using an outsourced call center which can not understand XXXX  or communicate properly. Numerous times I have had to explain the situation just to have to reexplain the situation to them. Simple things Synchrony customer support can not understand or respond to in an appropriate manner. This has created a hostile situation between myself and Synchrony financial. I just want my money back it has been since XX/XX/2023. Synchrony has failed in their responsibilities to the customer and the providing quality service to their US customer base.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (OH)

In accordance with the fair credit reporting act XXXXXXXX XXXX has violated my rights. 15 USC 1681 section 602 states i have rights to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.

The response they sent back STILL violates these codes listed above please read 15 USC 1666B. Please REMOVE ALL LATE PAYMENTS
Consumer complaint received 2024-01-29
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Chime Financial Inc (TX)

Chime recently mailed me an unsolicited Debit card. I called Chime several times to inquire as to why I received an unsolicited card and to request close out account info. Chime made it very difficult to talk with a live representative. Im not sure if the Chime debit card was issued via some type of fraudulent activity requiring a conversation with a Chime rep for an explanation. The phone number provided by Chime is : XXXX.
Consumer complaint received 2024-01-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DISCOVER BANK (CA)

DISCOVER CARD ACCT XXXX XXXX XXXX I was unable to keep up with the monthly credit card payments in XXXX due to financial hardships Before & After the COVID pandemic. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and I was supporting another XXXX XXXX also. I was helping other family members living in the XXXX who needed financial help due to major health issues and Typhoon storm disasters. My income source as a XXXX XXXX was always unstable and required. long grueling hours.
Consumer complaint received 2024-01-27
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation (MA)

In XXXX and XXXX I had late payments to Bridgecrest credit XXXX for an auto loan I had. The reasons for the late payments were due to XXXX and me being out of work. I communicated that with the company numerous times to which they didnt seem to care. These are the ONLY negative items on my credit report! I ask that they be taken off my report seeing as they are also being reported as missed not late. The account is up to date and Ive made every payment on time for over a year. These missed payment marks on my credit report are killing me and its the only negative thing on there.
Consumer complaint received 2023-09-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (VA)

On XX/XX/2023, I attempted to make my car payment through the West Lake Financials website. Due to the website was not accepting my payment at the time, I tried again to avoid my payment being late. On XX/XX/2023, I received XXXX emails saying that my payment had been processed and given XXXX different confirmation emails. To avoid having my account overdrawn, I contacted both Westlake Financial and Bank XXXX XXXX.XX/XX/XXXX XXXX suggested to avoid my payment being late, to contact Westlake Financial. I contacted Westlake Financial on XX/XX/2023 at XXXX PM EST. I was told by the first employee that they were unable to see on their system that they had processed my payment XXXX extra times. I requested a supervisor and was on hold for XXXX minutes. I hung up and called back immediately. The second employee I spoke to informed me that he did see the payments. I requested to speak to a supervisor when I was placed on hold for another XXXX minutes. When the employee came back on, I was told that he had canceled the extra payments to avoid my bank account being overdrawn. On XX/XX/2023, my account was overdrawn with a total of {$2800.00}. My car payment is {$700.00}. On XX/XX/2023, I called Westlake Financial to be told that they could only refund XXXX payment at a time and I would have to call again the next day, Monday, and Tuesday to be refunded each of my payments. I asked to speak to a supervisor and was told that they were unable to be reached, I was on hold for XXXX minutes until the employee hung up on me. I again immediately called back and asked for a supervisor. I was placed on hold for another XXXX minutes before speaking with a XXXX, XXXX. I made the XXXX, XXXX, aware of all incidents that had occurred and demanded the refunds be processed all at once. She then placed me on hold. When XXXX returned to the call, she informed me that she has processed the return for the XXXX payments that were not supposed to be processed. On XX/XX/2023, XXXX claims she returned my payments.
Consumer complaint received 2024-01-26
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company (GA)

Freedom Mortgage reacquired my loan in XXXX of XXXX ( they had sold it and repurchased a few years later ). I had the same insurance policy since I purchased the home in XXXX of XXXX. When Freedom bought my mortgage they failed to pay the insurance and no one, XXXX or Freedom Mortgage, informed me. Freedom claims they sent me letters but nothing was ever received by me as I informed them multiple times. This is also a a recurring complaint against Freedom Mortgage of failure to pay insurance or notifying home owners. As soon as I was finally made aware ( by the increase in nearly {$6000.00} a year in escrow expense on my monthly bill ) I called them got the information and got new insurance within the week. Despite this, I'm still being charged roughly {$2500.00} more a year in escrow for insurance that was cheaper than my original insurance that they failed to pay. I've requested it be remedied on numerous occasions and even turned autopay off recently while they were supposed to investigate and get back with me. Despite them still blaming me for their failure to pay my insurance, which no other mortgage company has had an issue with ( my mortgage has been sold about 8 times since XXXX ), they've failed to respond timely, respond at all, or correct the issue. On top of that, after speaking with someone today from Freedom regarding the hit they put on my credit for late payment, they informed me that they themselves had received cancellation notice from XXXX regarding my insurance ( she said this twice even after backtracking it after the first time ), but at the same time claim to have no record of the insurance due.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account Name : XXXX Acct # XXXX 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 an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information ANY other adverse item ( s ) of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.