davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (GA)

SYNCB/CARE CREDIT SYNCBXXXX XXXX SYNCB/ASHLEY HOMESTORE Debt Validation Request Account Number XXXX XXXX Account Number : XXXX I am writing to verify some information I have discovered on my consumer report that is violating my rights. I am requesting that you provide me with proper documentation to validate this debt in accordance with the Fair Credit Reporting Act ( FCRA ).

Under 15 USC 1681, Section 602, I have the right to privacy. In accordance with my rights under these laws, I request that you cease and desist all collection activities related to this debt and remove it from my credit report within 14 days of receiving this letter. Should you fail to comply, I will initiate debt validation methods.

For my debt validation methods these are the things I would require from you. I would require the following information : To validate this debt, I require the following information : 1. Proof of Agreement : Provide a copy of the original contract or agreement with my signature indicating that I agreed to this debt.

2. Bonding Insurance : Provide evidence of the bonding insurance you have as a collector, in case I choose to pursue further legal action.

3. Chain of Title : Provide documentation showing the chain of title for this debt from the original creditor to the current collection agency.

4. Debt Details : Provide the date and the amount of money that I officially became in collection with your company.

Until you provide all of the above information, this debt remains an alleged debt, and I do not acknowledge any responsibility for it. I expect your prompt and complete response within 14 days.

Failure to provide the requested information will leave me no choice but to pursue all available legal remedies under the Fair Credit Reporting Act, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal counsel.

Thank you for your immediate attention to this matter.
Consumer complaint received 2024-10-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (OH)

I was scammed and harassed by this XXXX XXXX XXXX fell for a scam and signed an agreement to not contact the bank which I did later to find out they were advertising there services for free so thats false advertisement first of all and chase is not on my side with the dispute which they took the money out of my account for {$3000.00}.
Consumer complaint received 2024-08-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Debt Recovery Solutions, LLC (FL)

I don't know DRS!! My account is frozen!! That minds any scam false report can enter to my credit report, buy experian know my credit report is frozen and experian still letting scam and false enter to my credit report!
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (MD)

There is a BANKRUPTCY reporting on my credit report, These BANKRUPTCY is not mine and is result of FRAUD/ERROR. Please REMOVE it from my credit report IMMEDIATELY! because it is hurting my credit score so much. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-10-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (SC)

I requested an application for forbearance in XXXX. ( Please note that XX/XX/2024 request was not the first request for forbearance. ) I emailed FirstMark requesting forbearance due to temporary hardship while I am in legal proceedings regarding permanent and total XXXX. FirstMark declined to discuss forbearance with me via email, stating that I would be required to call their office. I informed FirstMarXXXX of speech impairment and requested a reasonable accommodation to write to them via postal mail or correspondence through email. 

In XXXX of XXXX, FirstMarks representative responded to my email stating that I must call. From XXXX until now, I have repeatedly contacted FirstMark to request forbearance application. I filed a CFPB complaint in XXXX when I was received notice of pending default. 

Following the CFPB complaint, a FirstMark representative emailed me stating that they would process my forbearance. I immediately submitted the requested details on XX/XX/XXXX. FirstMark also informed me that they could report to the credit bureaus on the last business day of the month. 

FirstMarks website indicates that they respond within XXXX hours. However, I did not receive responses to my many requests for status updates although I received confirmation emails following each request between XX/XX/2024 and today. 

Today, I received notification that FirstMark reported delinquencies for XXXX ( XXXX ) accounts. This action predated the timeline they sent to me. Reporting would have been reported on XX/XX/2024. 

This is a repeat incident wherein I have made good faith efforts to maintain good standing on my account, only to experience a negative outcome corresponding with FirstMarks processing delays or outright refusal to communicate with me via email. These actions reduced my FICO score by XXXX points today. Including, the two prior incidents, my overall credit rating has been impacted and my XXXX score has dropped approximately XXXX or so points. 


I contacted FirstMark today, XX/XX/2024, to advise that I would be filing an additional complaint with CFPB. FirstMarks representative then responded stating, in error, that the application for forbearance was submitted today. That statement is verifiably false, so I do not have confidence that FirstMark will handle my account details with integrity.
Consumer complaint received 2024-08-20
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: TD BANK US HOLDING COMPANY (WI)

I am currently locked out of my online account due to a recent online portal change TD enacted. I recently paid off my account and want to close it. 

I have been trying to get a hold of a representative and was on the line for XXXX hours XXXX minute before someone answered. I was away from my phone for a sec and they disconnected. They never attempted to call back. 

The online system does not give you the option to leave a callback request, there is no email, no chat function, no mailing address listed or anyone other option located online to reach the company. 

They do have a XXXX complaint number that I called. But they advised they could do nothing to help me, they do not have a contact number, email or mailing address they can provide for their USA peers. 

I have read other reviews that state the same concerns, waiting extremely long hold times or spending days trying to connect to a representative. How can the XXXX part have a complaint contact center that you can get a hold of someone immediately and the US not have any other option but holding for multiple hours? 

People have lives, a call can drop, they might need to get back to work. It is not feasible to ask people to wait multiple hours in the hopes of possibly getting connected to representatives.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Continental Finance Company, LLC (TX)

The derogatory rating on my account has directly caused loan denials and increased interest rates on my existing credit accounts. This inaccurate rating must be deleted and blocked from reporting to all three consumer reporting agencies immediately, as required by law.
Consumer complaint received 2024-10-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NC)

I called XXXX XXXX XXXX for a payment deferral and they said no, I escalated and was told I would get a call back and never did. I checked online and it showed a payment due doe XXXX and a credit of XXXX but it was in fact a past due amount. They use the same field for credit and past due amounts without differentiating which it is for. 

Based on how the website reads, I assumed the payment was deferred since no one ever called me back.
Consumer complaint received 2024-10-23
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Maximus Federal Services, Inc. (GA)

Someone used my social security number and got a loan. I never had a school loan in my life. They had the email that the person used and when I told them mine, they started sending me email saying I owe them money which is XXXX  XXXX that nobody will help me and I've never ever got a student loan in my life
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Upgrade, Inc. (MI)

Opened XX/XX/year> XXXX of XXXX This matter has been resolved with the third party debt collector that the company sold my information to without my consent. I ask that UPGRADE INC remove this debt off my credit report or my lawyer XXXX XXXX will be during this company for improper use of my personal information. Thank you
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MD)

I purchased a car or lease over 10 years ago now at the end of the lease I turned the car around. They were persistent on trying to keep me to continue to keep the car which I did not want the car due to the XXXX transmission issues and was ready to purchase a car which Ive had after that and that was the Infiniti XXXX XXXX.
Consumer complaint received 2024-10-18
Product: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: TD BANK US HOLDING COMPANY (NY)

Had a checking and a savings account. Transferred all the funds to the checking account XXXX Went to branch to close the account. They gave me a cashier 's check and told me the account was closed. XX/XX/XXXX they credited {$0.00} interest to checking, and then hit me with a {$25.00} overdraft fee ; XXXX  they credited my checking account with {$0.00} interest and hit me with a {$15.00} overdraft fee. They sent me a letter that my account is overdrawn. I called in ( I'm on hold right now even ) and they're telling me I need to visit a branch to clear this up. 

This is ridiculous and I don't have time for this nonsense. They made a mistake. They need to fix it.
Consumer complaint received 2024-10-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY (FL)

On XX/XX/XXXX I reviewed an email from TD bank thanking me for opening a TD Essential Banking with account number XXXX. I immediately called them and told them I did not open an account with them. They told me they closed the account and would be sending me a letter with information about the case. The FTC requested the letter as part of a possible identity theft case. After a month I called them again on XXXX  XXXX after I had not received a letter. They told me they sent it to an address on file which was an old address and not the one I gave them originally. I was told that they didn't sent it to the XXXX cause they have to send it to the one on file cause of fraud issues. I gave then the correct address again and was told it would take about XXXX days. I never received it so I called again on XXXX XXXX stating the same thing and they said they sometimes just don't send them out. I was informed they would be telling their fraud department to send me another one within XXXX days. A day later I sent out a letter to TD bank using the FTC template provided and mailed them regarding the same info. As of filing this complaint XXXX weeks later I have yet to receive any information regarding this incident.
Consumer complaint received 2024-08-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NJ)

i made a claim to wells fargo regarding fraudulent activity on my account and found over {$9000.00} in fraud activity in my account, i tried everything to get help and wells fargo twisted and manipulated my statements and said it wasnt fraud!! Oh and the worst part is they made me pay back a couple XXXX dollars which i did because my account was negative, then they proceeded TO CLOSE MY ACCOUNT!! they said this was due to too many transactions??? im very frustrated and try and contact wells fargo to get my money back and hopefully open a new bank account somewhere else but they have seemed to tarnish that for me. i need help and i want my money back!!
Consumer complaint received 2024-10-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (TN)

I filed my taxes and used my chime bank account because it was already on file with XXXX XXXX  for the prior year. After not receiving my taxes I called the bank to see where they might be and was notified on how my account was closed without reason before I filed my taxes. I checked with the IRS they said my taxes were sent to this account and still currently trying to contact the bank to trace my funds which theyve been unsuccessful at doing. I was hung up on by man representatives from this company while looking for my funds and they constantly say they havent received.
Consumer complaint received 2024-10-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TD BANK US HOLDING COMPANY (GA)

I have made previous attempts to fix these issues directly with them and They are violating my rights and I'm entitled to {$1000.00} for every violation I listed, they either pay me or delete these accounts ASAP. 



these agencies is violating your Consumer rights by using false misleading, misrepresentation, and deceptive means.
Consumer complaint received 2024-07-24
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. (AL)

I have recently reviewed my consumer reports and observed an account for which is not reporting accurately. There are 2 late payments on this account that were paid on time. As you know, consumer reporting agencies have assumed a vital role and are responsible for reporting consumer information to the best of their ability with maximum accuracy. I have never been late on the payments for the account in question : Account name : XXXX XXXX XXXX, Account # : XXXX and, I am including screenshots with this complaint, specifically for the dates XX/XX/year> and XX/XX/year>. I request a thorough investigation into this matter and require proof in the form of statements that validate these alleged late payments. If no proof can be provided, I demand that these payments be corrected to reflect " paid as agreed '' and/or " paid on time '' as they should be. Thank you for your understanding and prompt attention to this matter.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AmeriHome Mortgage Company, LLC (TX)

I am writing to formally dispute the inconsistent and inaccurate reporting of my XXXX Mortgage account ( Account # XXXX ) across the three major credit bureausXXXX XXXX, and XXXX. Upon review of my credit reports, I identified several inconsistencies in the reported payment history, which constitute a violation of the Fair Credit Reporting Act ( FCRA ). I will list out each inaccuracy so that there is no confusion and to avoid a general response that all information is reporting accurately. I will also attach the account for your reference. XXXX reports XXXX consecutive months of XXXX late payments ( XXXX to XX/XX/XXXX ), which is not reflected in XXXX or XXXX reports XXXX XXXX and XXXX report XXXX, XXXX, and XXXX late payments inconsistently, with no agreement between the XXXX bureaus. XXXX lists the account status as XXXX  days past due, while XXXX shows " Paid or paying as agreed '' and XXXX lists " Pays account as agreed ''. The Date Last Active varies significantlyXXXXXXXX XXXX, XXXX, according to XXXX, while XXXX and XXXX report it as XX/XX/XXXX. These reporting discrepancies are clear evidence of negligent and inaccurate reporting in violation of FCRA guidelines, specifically 15 U.S. Code 1681e ( b ), which mandates that credit information must be reported with maximum possible accuracy.
Consumer complaint received 2024-10-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Delays with the closing process
Company: American Heritage Lending, LLC (IN)

Ive been denied twice for the same loan even thou they approved it the first time they denied it because they said it was a clause in the appraisal which said the neighborhood had to many vacant and burned down houses! XX/XX/XXXX was the first denial on the date of closing in which they still is beneficiary on my insurance! And XX/XX/year> they denied me for not enough collateral even for Ive been telling them that I will take XXXX loan. And my appraisal wasnt done to until XX/XX/year>. Which came in lower and I couldnt even speak with them about the reason.
Consumer complaint received 2024-10-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Second Round Limited Partnership, Austin, TX Branch (FL)

Upon separation from my ex-husband I became aware that numerous accounts where opened up fraudulently in my name by him & his girlfriend & were now being reported on my credit. The account in question is from XXXX XXXX original account # XXXX & was opened approximately XX/XX/XXXX. In the process of cleaning up my credit I tried to reach out to XXXX who was the original holder of the account but was told it was sold to Second Round. I finally was able to have contact with Second Round & informed them the account was fraudulent & was not opened up with my consent. They argued with me & basically told me I was lying. After numerous phone calls and failed interactions they opened up a dispute & on XX/XX/XXXX sent me a letter informing me they would need an FTC report & also stated they have requested the credit reporting agency update the account as disputed ( which never happened ). I filed my FTC report & on XX/XX/XXXX & faxed it over to them. I gave it some time & reached out once again because nothing was changing and it was still being reported. I spoke to XXXX at extension XXXX who stated they did intact find the account to be fraudent but they were running into a problem with who should actually remove the account because she then stated they didn't hold the account the original company XXXX did. She suggested I call them and tell them the situation and that I could even give them her extension & she would explain her company found it to be fraud so on and so forth. It didn't make any sense to me at all because one company would say the other held the debt and it was there job to remove it and the other would say the same. I grew increasing frustrated with the situation and was told to give it some time to run through the necessary channels. I am now once again trying to resolve this issue so I can clear my credit and once again today XX/XX/XXXX after calling XXXX & pressing ex XXXX was hung up on after explaining some of the situation ( being told nobody by the name of XXXX works there ) & they now are refusing to answer the phone. I've had it with this company and don't know where to go to move foward. During all of this I also filed an Ftc report for an account that was opened fraudulently with XXXX. They found it to be fraud & immediately removed from my credit per the law. So why is this company allowed to continue reporting something they said they know is fraud & then make it impossible for consumers to communicate with them while they are rude, call you liars, hang the phone up or refuse to answer it, & a drag this process out for over a year. Totally ridiculous & I'm expecting them to finally do the right thing & remove this account.
Consumer complaint received 2024-10-22
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA (NY)

Goldman Sachs / Marcus is not allowing me to close my account and wire funds to my other external account, despite validating that account with a tri-party call. They are holding my savings hostage. Each time I call about the status, the status reverts to not having initiated any wire and that I need to continue to wait 1-3 days. The account reps are gaslighting me and have no accountability.