davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-21
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL (OK)

My husband and I set up an account with XXXX to have monthly security monitoring at our house. A technician came out to set up the equipment. XXXX outsources all of their installations. The technician was at our house for hours, much longer than we thought he should have been. We had evening plans, and told him he would have to go. He said he could stay and finish, and he asked for me to leave my phone with him. He said he would install the equipment and get it set up on my phone. I left my phone and the technician finished the installation. We quickly found out that while he had my phone, he had approved a {$5000.00} credit card to pay for his services. I was NEVER given a total amount to approve, and I NEVER approved the card to begin with. On the phone, we agreed with a plan through XXXX. Then the installer came out, opened a credit card, and charged it for {$5000.00} when I had never authorized anything outside of XXXX. I have been fighting this charge from the very beginning and it is now going on close to a year. The charge card is through Home Design/Synchrony Bank XXXX This happened in XXXX of 2023 and Synchrony Bank has refused to help me.
Consumer complaint received 2024-10-07
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (WA)

Goldman Sachs Apple Card dispute on fraudulent charge from XXXX was not properly resolved. It canceled my XXXX XXXX subscription that I had to restart. Refer to attached pictures. The bank billed me when subscription was cancelled. Subscriptions are billed in advance. 
Goldman Sachs Apple XXXX number XXXX I believe the bank violated Fair Credit Billing Act and ECOA.
Consumer complaint received 2024-10-07
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Regional Management Corporation (TX)

XXXX XXXX called me from Regional Finance. She was looking for a XXXX XXXX and I advised there is nobody by that name. My name is XXXX XXXX. She then proceeded to rudely tell me my payment was due on XX/XX/year>. Keep in mind she did not know who she was speaking to and stated the wrong name twice where I had to proceed to correct her. Did not fully verify she was talking to the correct person where she then started giving me information about this account. I am at work, therefore I stated I would make payment online. Lady got loud and demanded to ask when I would be making this payment. I understand there is processes we have to follow but not with that attitude. I dropped the call. XXXX XXXX then proceeded to return my call to further harass me to where I advised I had dropped the call on purpose. And she knew that, she was just trying to make a statement and harass me in the process. I asked for corporates number where she then proceeded to tell she she did not have to give any number upon request. I wanted to file a formal complaint with their home office. XXXX then stated she would transfer me to her manager where I stated I did not wish to talk to her manager, I needed corporates number to file a formal complaint. She refused to give me the number to the company and yelled across the phone, " XXXX they want to talk to you! '' Dropped call and called office number to get a hold of corporate number. XXXX answered the call once again and continued with same disrespectful attitude. I was left on hold and was hung up with my request not being honored. I did not get to speak to a manager nor was given corporates number to file a formal complaint. XXXX had the time to return my call to harass me and demand a payment where I was not able to obtain any of the information I requested.
Consumer complaint received 2024-09-24
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. (TX)

EQUIFAX IS NOT RESPONDING TO ANY OF MY DISPUTES AND COPIES OF MY IDENTIFICATION HAS BEEN PROVIDED ON SEVERAL OCASSIONS. SEE ATTACHED COPIES OF DISPUTES THAT HAS BEEN SENT TO EQUIFAX, XXXX AND XXXX. 

PLEASE CONSIDER THIS LETTER AS AN INITIAL COMMUNICATION DEMANDING ANY EVIDENCE OF MY OBLIGATION TO THE ABOVEMENTIONED ACCOUNTS. AS A REMINDER, ANY ACCOUNT THAT YOU CONTINUE TO REPORT WITHOUT BEING ABLE TO VALIDATE IS A DIRECT VIOLATION OF MY RIGHTS LISTED THROUGH THE FDCPA AND FCRA BOTH TOGETHER AND SEPARATE. 

I WANT ALL OF THESE ACCOUNTS EITHER VERIFIED OR DELETED
Consumer complaint received 2024-08-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

Dis is faurd I never did business with dis company also I never sign anything with my name on it how can I owe dis company any debt. Also da law stats 15 usc 1692 c clearly states if a consumer notified a debt collector in writing the consumer refuses to pay a debt the debt collector
Consumer complaint received 2023-09-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (GA)

Today, XX/XX/2023 I tired calling customer service at XXXX ... the system was not able to authenticate the last XXXX of my social security number. After several failed attempts to obtain my mortgage information I was told by a recorded message that the office was currently closed ( XXXX est  ) and when I did not put in the last XXXX of my ss number the system indicated that it recognized me by my phone number. But, I still was not be to be recognized when I entered my account loan number or the last XXXX of my social. It appears that there is a class action law suit on this mortgage lender. 

I have XXXX different mailing addresses : Rushmore Loan Management Services, XXXX XXXX XXXX, XXXX XXXX, CA XXXX www.rushmorelm.com. and Rushmore Loan Management Services, XXXX XXXX XXXX, XXXX, CA XXXX www.rushmoreservicing.com/welcome It keeps saying I was unable to find a match for the last XXXX of my social security number XXXX est They say we seem to be having difficulty, have a good day. 

I was told to contact my state agency Department of Banking and Finance XXXX XXXX and send a report dbf.ga.gov to submit complaint for residential mortgage broker I called Rushmore Servicing Accessibility under the Americans with Disabilities Act XXXX. I gave him both account/loan numbers and I still was not able to get any information. I was told that I was not able to be found in the new servicer system. Still not able to obtain any mortgage information. 

I contacted The consumer financial protection bureau to report this issue and was directed to this website. The problem is improper business practices by this mortgage lender that their problem has become a problem for me since I have received letter that my loan has been transferred, but the new servicer has not past account information to located me in the system.
Consumer complaint received 2024-08-09
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CarMax, Inc. (CA)

CARMAX AUTO FINANCE Account # XXXX ... 
{$4400.00} This account has made it very hard for me to apply for anything. 
CARMAX AUTO FINANCE XXXX XXXX XXXX XXXX XXXX, VA XXXX Subject : Dispute of Unauthorized Information Disclosure under 15 USC 1681 Dear Sir/Madam, I am writing to dispute certain information that appears on my credit report maintained by your bureau. Pursuant to the provisions outlined in 15 USC 1681, it has come to my attention that you have been furnishing and obtaining my personal information without my written consent.

Upon reviewing my credit report, I discovered several entries that I did not authorize or provide written consent for your bureau to obtain or furnish. Specifically, Carmax Auto Finance account # XXXX. It is essential to note that I have never provided explicit written consent for the disclosure or acquisition of this information by your bureau. 

As per the Fair Credit Reporting Act ( FCRA ), specifically outlined in 15 USC 1681b, it is mandatory for consumer reporting agencies to obtain written consent from individuals before providing their consumer reports to third parties. Additionally, under 15 USC 1681c, consumer reporting agencies must also provide a summary of rights to individuals who request their credit reports. However, I have not been notified of such actions nor have I provided authorization for such disclosures.

I am requesting that you promptly investigate this matter and provide a detailed explanation of how this unauthorized disclosure of information occurred. Furthermore, I demand that you remove all unauthorized information from my credit report immediately, as it is in violation of my rights under the FCRA.

Please provide written confirmation once the investigation has been completed and the unauthorized information has been removed from my credit report. Additionally, I request that you provide a copy of my updated credit report free of charge, as per the FCRA regulations.

Failure to comply with the FCRA regulations may result in further legal action. I expect your prompt attention to this matter and appreciate your cooperation in resolving this dispute.

Sincerely,
Consumer complaint received 2024-08-08
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: TOYOTA MOTOR CREDIT CORPORATION (CO)

The lease is with Toyota Financial Services. They acknowledged receipt of the payoff check on XX/XX/2024. To date the lease has not been paid off. After contacting them to follow up I was told that it could take as long as two months for the payoff to be processed as they changed vendors. In the mean time I was told that I needed to continue to make the lease payments so that my credit rating would not be negatively affected.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (NY)

XXXX XXXX XXXX, Midland Credit Management INC and XXXX XXXX XXXX are in violation of my rights as a federally protected consumer. 
They are in violation of The Privacy Act of 1974 and FCRA.

They have not given me any notice to opt out although it is my right as a federally protected consumer as per 15 USC 6802-6805 and 16 CFR 313.7 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX, Midland Credit Management and XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law.

They are in violation of 15 USC 1681a by reporting transactions and also in violation of 16 CFR 433.1, 433.2, and 433.3 Attached is my opt out letter as XXXX, Midland Credit Management and XXXXXXXX XXXX failed to give me an opportunity to do so.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: United PanAm Financial Corp. (PA)

On XX/XX/year> my account XXXX was charged off to attached this debt to be taxes as part of my gross as I was suppose to by law. I asked this company if they did so they did not. I have ask this company if they reported this information because I am liable for this debt they did not please hold this company liable because there breaking the law. This is a repeating issues and now I have seek legal advise because this is affecting my life.
Consumer complaint received 2024-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NJ)

i am a XXXX who is in a vulnerable situation with some financial problems, I bank with Wells Fargo and fell into a financial scam and the bank froze my account and close abasis of scam with no possibility of appeal on XX/XX/XXXX .i believe that this is the first time that this occur and i have had good relationship with the bank for this occur.
Consumer complaint received 2024-09-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: American Credit Acceptance, LLC (FL)

Hello, on XX/XX/year> I called at XXXX American credit acceptance to work out a payment plan to get my car back from repossession. I originally let them know I was going through bankruptcy & I wanted to leave my car loan out of the bankruptcy & work with them on a payment. I asked the rep if there was a way I could have an extension on the account and I pay a month bill and get my contract restructured & he agreed. Later at XXXX I called back to see if I could get the loan restructured and the agent was very rude & didnt allow me to speak. The agent also hung up on me. I called back again to speak to a supervisor at XXXX and the supervisor stated they were going to escalate the matter. I told them I was going to report them to the consumer agency and sue them for customer mental abuse & slander during a stressful moment in my life. I asked them to let me get my vehicle back & restructure the lease & they still said that it wouldnt be a guarantee. They currently are charging me {$510.00} a month with a 24 % interest rate & I am now finding out even the interest is illegal in Florida to be this high. I submitted a complaint recently & I wasnt composated for being discriminated against, verbally abused by there agent on the phone & the agent hung up in my face. I want {$70000.00} rewarded to me for my pain & suffering. I am will to take full legal action on this company if Im not compensated for everything I went through in this stressful time.
Consumer complaint received 2024-09-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to file a formal complaint against TransUnion for their unlawful refusal to block a fraudulent account from my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ). 

I recently submitted a fraud block request to TransUnion regarding an account ( XXXX ) that was opened as a result of identity theft. Despite providing all necessary documentation, including a police report, TransUnion denied my request. They responded with the following justification : TransUnion at this time declines to block the information you have identified because either the item reflected a history of previous payments made, a history of previous disputes, other than ownership, or was opened prior to when the fraud was reported to have occurred.

This response is not only inadequate but also unlawful under the FCRA. The FCRA does not place the burden of proof on consumer reporting agencies to determine the validity of identity theft claims. It explicitly requires them to block information related to identity theft upon receiving appropriate documentation, including a police report, as I provided. TransUnions refusal to comply with this legal requirement denies me the lawful remedies the FCRA guarantees to protect consumers against identity theft.
In this case, TransUnion is acting as the judge, jury, and executioner, by making arbitrary decisions regarding the validity of my identity theft claim. The FCRA does not grant them such authority. Their refusal to block the fraudulent account is not only an overreach but also a denial of the lawful remedies available to victims of identity theft. Furthermore, I have requested, on multiple occasions, the physical contract between myself and XXXX, which would substantiate their claim of account legitimacy. To date, TransUnion has failed to provide this contract, further violating my rights under the FCRA Despite multiple disputes Ive filed, TransUnion has consistently failed to meet their legal obligation to either provide the REQUESTED DOCUMENTATION or block the fraudulent account. To be clear, I have explicitly asked for physical documentation, specifically a contract that bears my signature and the creditors signature. However, TransUnion has failed to produce this documentation. 

Thank you for your attention to this serious matter.
Consumer complaint received 2024-10-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (MD)

On XX/XX/year> and on XX/XX/year> was Cash App card was charged, in association with a company called XXXX XXXX XXXX. My phone was broken at the time. So, when I replaced my phone, on XX/XX/year> I noticed the charges. So I contacted Cash App, to inquire about the charges. So I filed a dispute accordingly. After a short investigation, my dispute was denied of aking for a refund. I didn't know what to do. So I decided to file with the CFPB.
Consumer complaint received 2024-09-10
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: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/year>, a fraudulent transaction in the amount of {$1100.00} from retailer XXXX XXXX was charged to a card connected to my Amex account that I never had possession or knowledge of. ( Case # XXXX ) I filed a dispute with Amex detailing how I did not authorize, purchase, or receive any products from XXXX XXXX and was unaware that I had an additional card until the fraud activity occurred.

As the case was closed by Amex I was notified that they would be re-debiting the transaction citing that the reason was because I provided the merchant with my financial information.

I attempted to email, chat ( per Amex direction ), and called twice in an effort to resolve this. In my chat session, the agent noted that something was strange about my dispute as it was showing that it was initially debited twice but only credited once. ( I'm not clear on what that means ).

In a phone conversation with an Amex agent on XX/XX/year> I explained that there is another address that gets confused with mine as it has the same address number and nearly identical street name ( mine is XXXX  XXXX XXXX , the other is XXXX  XXXX XXXX ) and that delivery often get mistakenly sent there. I asked to review the picture of the residence the package was delivered to and the agent was unable to provide me with it. I asked if I could send her a picture of my front door to see if it matched and she told me I could not. Her suggestion was to contact law enforcement to claim a theft occurred but I explained that I have no information or delivery information to file a case.

On the credit card statement I attached there are two names. " XXXX XXXX XXXX '' is my Amex card I use regularly. " XXXX XXXX '' is used to reference the additional card I did not have in my possession and I was unaware existed. On the statement you will see on page 4 the transaction for {$1100.00} under " XXXX XXXX '' from XXXX XXXX. On page 3 you will see the credit from Amex for this transaction.

Ultimately, despite my efforts, I am being made responsible for a charge to a card I didn't know existed for a package I never received.
Consumer complaint received 2024-03-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: PROPEL FINANCIAL SERVICES LLC (TX)

Indicated to XXXX XXXX XXXX ( Propel Tax Loan Officer-NMLS # XXXX ) during the month of XX/XX/year> on or about XXXX. XXXX discourage me from applying for property tax Loan financed by my primary residence due the fact that i was over XXXX XXXX XXXX. My understanding of the provisions of Equal Credit Opportunity Act ( ECOA ) that it may be discriminatory to discourage an individual from applying for a loan financed by real property if Loan discouragement is based on these specific factors : your race, color, religion, nation origin, sex, marital status, age, your income from public assistance or whether you've acted on your rights under the Federal credit Laws.
Consumer complaint received 2024-08-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Colony Brands, Inc. (GA)

Recently started my credit building journey in XX/XX/XXXX upon disputing accounts and claims on 2-attempts from XXXX XXXX XXXXXXXX orders I discovered a bunch of unauthorized accounts. I spoke with fraud /collections department about finding out about account from such disputes they created an account so I would get an email for any notifications I got on for a payment XX/XX/XXXX they are still reporting the late and the amount is incorrect. They collections department said to get a notarized letter signed which I have thats stated it was a XXXX XXXX XXXX family member who was buying unnecessary things out of their magazines. They had been paying on them for years I was unaware until I disputed the accounts and they were frozen upon this action my family still has been paying but because of the unauthorized accounts XXXX XXXX has still been taking the payments but still reporting them late and incorrect account balances
Consumer complaint received 2023-08-29
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: EQUIFAX, INC. (FL)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX