davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (FL)

On Tuesday, XX/XX/XXXX, I received a text message from NewRez, informing me that I haven't made a payment. This infuriated me because I have until the XXXX of each month to make my payment. There have been issues with this company lying on me constantly and reporting my account to the credit bureaus. Their conduct has been unacceptable ; I don't like the way they do business. I have never missed a payment in my life, and I have never been XXXX XXXX XXXX  days late with a payment. I have spoken with a representative regarding my financial situation. I wanted to be able to split my payments up. These people never make proper notations in their system. 

They never send me a letter acknowledging and confirming the payment arrangement that I have with them. Whenever I need to make a payment arrangement with a credit card company, that company would send a letter, confirming the arrangement that they are honoring. NewRez is an awful mortgage company, and I wish it was possible to do some investigation regarding their business practices. Attached are the letters I have sent to NewRez.
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: CREDIT ACCEPTANCE CORPORATION (IL)

Under the laws of UCC 9.506 as well as the state XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure times were adhered to. 
I demand proof that the repossession of the subject vehicle was legal in accordanceYou are required to provide me with copies of the legal notice and proof of the commercially reasonable manner of the notification and the resale of the subject vehicle. If no such proof is provided within XXXX  days from receipt of this certified notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.
Consumer complaint received 2024-08-07
Product: Credit 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: WELLS FARGO & COMPANY (SC)

I would like to know what legal actions I can take against this company for falsely reporting information that led to me paying for purchases I did not make with my credit card before I close my accounts. I am currently researching my terms and conditions but would like to see if you can assist.
Consumer complaint received 2023-09-20
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. (FL)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my XXXX XXXX. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2024-08-09
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: GOLDMAN SACHS BANK USA (KY)

On XX/XX/XXXX I was charged {$330.00} at a XXXX On XX/XX/XXXX I was charged {$2000.00} at a XXXX XXXX 

On this date if XX/XX/XXXX my phone and debit card were stolen. I filed a police report with XXXX police dept. XXXX XXXX contacted me and an investigation was implemented. Upon investigation a woman was seen on surveillance buying things. 
I have filed multiple disputes with Goldman Sachs on this case. It keeps getting dismissed for lack of evidence. I filed a XXXX page police report to them. 
Case number of the disputes are as follows XXXX XXXX XXXX XXXX XXXX I have made many phone calls to no avail. 
I have paid over {$2000.00} in interest charges and still owe {$1800.00} that I will not be paying.
Consumer complaint received 2024-08-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: States Recovery Systems, Inc. (GA)

Remove this account from my credit report because the original creditor sold my account to a collection agency without properly notifying me and it's clearly violating my rights. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-08-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I am filing a complaint against USAA regarding a chargeback dispute ( XXXX XXXX. XXXX ) that I initiated on XX/XX/2024, for services not provided by the merchant, XXXX XXXX XXXX XXXX. The original transaction date was XX/XX/2024, and the invitation date was XX/XX/2024. 

USAA initially credited my account with the {$5000.00} in dispute. However, this amount was subsequently debited from my account without any explanation or communication from USAA. Despite multiple checks in the USAA app and several calls to customer service, I received no satisfactory updates or information regarding the status of my dispute. 

According to XXXX guidelines and the Fair Credit Billing Act ( FCBA ), a merchant typically has 30 days to respond to a chargeback. Since XXXX XXXX XXXX XXXX  did not respond within this timeframe, the dispute should have been resolved in my favor. The FCBA ( 15 U.S.C. 1666 ) requires credit issuers to resolve disputes within XXXX billing cycles ( not more than 90 days ) and to side with the consumer if the merchant fails to respond timely. Additionally, under the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693, consumers have the right to be kept informed about the status of their disputes. USAAs failure to provide updates and its unexplained reversal of the provisional credit violate my rights under these federal statutes. 

Given the merchants lack of response and USAAs failure to provide adequate updates or explanations, I believe that the chargeback should be resolved in my favor immediately. I request the CFPBs intervention to ensure that my rights are upheld under both the FCBA and the EFTA. 

Thank you for your attention to this matter.
Consumer complaint received 2024-08-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: United Consumer Finance, Inc. (MA)

DEAR UNITED CONSUMER FINANCE ; I was shocked TODAY when I reviewed my credit report and found late payment on the dates below : XXXX AND XX/XX/year> .... 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2024-07-12
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. (KY)

I appreciate you taking the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The three credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be corrected right away. 
XXXX XXXX
Consumer complaint received 2024-08-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (WA)

XXXX this was the first call made to me to verify the {$2200.00} withdrawal I made. They said they werent able to verify it was me and they had to escalate it to the security team. I was told to wait up to XXXX business days for them to review the account XXXX I called back and talked to a supervisor ( XXXX  XXXX and was told that an Affidavit will be mailed out XXXX business days to verify my identity. 
XXXX-The affidavit was to be sent out on the XXXX and for me to receive it on XX/XX/year>. I was told that after receiving, filling it out and sending it back, it would takes XXXX business days to review. ( XXXX ). 
XXXX I called back to check on the status and an employee ( XXXX XXXX told me that I now had to wait XXXX business days. 
XXXX XXXX I got the affidavit and sent it out the same day. They were supposed to receive it on XXXX XXXX I called to check and see if they received it and they hadnt. 
XXXX I called again and they said they still didnt have it but they were able to take the lock off my account after asking me if I approved the transfer that was made. It looks like they never needed the affidavit. I tried to now transfer the money out and I was told that it has to go back to the bank I deposited it from ( XXXX  ) and they are not able to do it from their end. In order to transfer the money to my XXXX account, I tried to link it to my XXXX account but o wasnt able to because they are not compatible with that bank ( even though they accepted the deposit ). The other problem is XXXX doesnt let you add cash to the account from a linked bank, it only lets you deposit/cash out the money. I explained all of this to them and they said that my only option is to keep the money in the account for a certain amount of time ( which they cant give me an exact time period ) in order to be able to transfer the money to a compatible bank. Otherwise it will be flagged as a quick money movement. 
XXXX they said that they can cut me a check for the {$2000.00} that was stuck and I said okay. I tried to withdraw the money o had leftover in order to get ready to close my account. 
XXXX I try to login into my account to find that Im locked out. I call to get it resolved and they take the lock off my account but still have a fraud alert on my account even though I just went through this whole exact process which got cleared up on XXXX.
Consumer complaint received 2024-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (GA)

I found out today, XX/XX/XXXX, that Truist has locked up my account for any activity. I can't login to my account. No warning whatsoever. Our only income is Social Security benefits. I have bills that are due. I am locked out from doing anything. They are sending me a check from our joint savings account but my funds in checking are frozen in their bank and I have no access to my money. Can't go food shopping or withdraw any of our money to pay for things. 

XXXX XXXX
Consumer complaint received 2024-07-12
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. (GA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-07-12
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. (PA)

I have received your computer-generated notice informing me that you did not do any action or investigation for the disputes I sent out last time because you think I may have used a third-party credit repair company. Not only do I think this is just your delaying tactics to get an extra 30 days to fulfill my first request, but I also think it's a clear violation of the Fair Credit Reporting Act. Again, please be informed that you are reporting inaccurate and incomplete information on my credit report.
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

On XX/XX/23 I wrote a letter to Experian to investigate an old account, in the name of XXXXXXXX XXXX XXXX Account Number XXXX. The balance was reporting inaccurately so I sent them a letter requesting a verification. As a consumer I have done my research and know that they have 30 days to complete an investigation and respond to me from the time the dispute was received. Well today marks over 60 days of no response at all in regard to my dispute. I haven't even gotten a notice stating that there was an investigation in progress. This leads me to believe that they were unable to complete an investigation into this account and therefore the account must be removed. I have read of on the law that consumer bureaus are held to and right now they have racked up several violations!
Consumer complaint received 2024-08-08
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: U.S. BANCORP (CA)

I applied for a new credit card online with US Bank to purchase appliances for my home as I am doing new construction. I was waiting for the card to arrive. On Saturday XX/XX/year> I checked my US Bank credit account because I have another credit card with them and the banking app informed me that my newly applied credit card was activated and there was already a charge made to the account. I immediately notified US BANK that day and they issued me a new credit card, canceled the fraud card ending in XXXX, and issued me a temporary credit of {$610.00}. Refer to US Bank case # XXXX Bank sent me a letter on XX/XX/year> informing me that they believe the fraud charge on the card was valid because it was charged through the chip. US Bank reversed the credit they gave to me and closed the investigation. I asked for when the incident and time took place. They informed me that the official charge was on XX/XX/year> at XXXX XXXX. There is no possible way for me to purchase shoes and/or go shopping in person at that time as I am on duty conducting child abuse investigations during the hours of XXXX XXXX  until XXXX XXXX. I am a XXXX XXXX for XXXX XXXX. I contacted US Bank again and they advised me to file a police report. I have filed a police report with XXXX XXXX XXXX to report # XXXX. US Bank has failed me as a credit card consumer, did not protect me and support me from fraudulent charges that I didn't make. I should not be held responsible for someone's crime. US Bank has not conducted a sufficient and proper investigation into this matter.
Consumer complaint received 2024-08-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Synovus Bank (MA)

DEAR XXXX ; XXXX was shocked TODAY when I reviewed my credit report and found late payment on the dates below XXXX XXXX XXXX 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2024-08-08
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (GA)

Subject : Complaint Regarding Zales Credit Card Account Dear Consumer Financial Protection Bureau, I hope this message finds you well. 

I am writing to express my concern regarding an issue with my Zales credit card account, which was paid off on XX/XX/year>. Despite the account having a XXXX balance, I have noticed that interest continues to accrue. Additionally, it has come to my attention that Zales has reported a late payment to the credit bureaus, which is negatively affecting my credit score.

Zales has offered a credit to my account, but I feel the money should be reimbursed to me since the account was paid in full. Furthermore, Zales has stated that they will notify the credit bureaus to remove the delinquent payment assessed to my account. However, I am still seeing the negative impact on my credit report. 

Could you please explain the continued interest charges and clarify why the late payment was reported to the credit bureaus? I would appreciate it if Zales customer service would review my account history and take the necessary steps to rectify both the interest charges and the incorrect reporting to the credit bureaus. 

Thank you for your prompt attention to this matter. I look forward to your response and to resolving this problem as soon as possible.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (OH)

Request for VALIDATION, NOT Verification Your Name : XXXX XXXX Address : XXXX Company : XXXXXXXX XXXX XXXX Address : City/ State/ Zip : XXXX oh XXXX RE : Trade Account # XXXX XXXX CO XXXX XXXX & Any collection on my report. 

To Whom It May Concern : XXXXXXXX XXXX XXXX has faced numerous interruptions in its accounts due to fraudulent activities, as reported by the Federal Trade Commission ( FTC ). For more detailed information, please refer to the FTC report. 

Remove the Attached negative reporting trade accounts. 

Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed, and validation is requested.

At this time, I will also inform you that if your offices have reported invalidated information to any of the three major Credit Bureaus { XXXX, XXXX, or XXXX XXXX XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. 


I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment, and I will have no choice but to file a suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.

It would be advisable that you ensure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.

- 15 U.S. Code 1692g : Validation of Debts - 15 U.S. Code 1681n : Civil Liability for Willful Noncompliance - LII U.S. Code Title 15 XXXX XXXX XXXX XXXX 1681s2 : Responsibilities of Furnishers of Information to Consumer Reporting REMOVE ACCOUNTS XXXX, XXXX, XXXX
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$42000.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$2000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$37000.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$110.00} XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-06-26
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

As a cXXXX XXXX XXXX XXXX  Bank of America has refused to close my XXXX XXXX XXXX XXXX XXXX XXXX After several submissions of my court document, I finally spoke to an agent who confirmed they were on file, and that my authority was recognized, however, I have " informational access only '' and no ability to close or withdraw from the account. My legal document of authority states " no restrictions ''. When asked why I am not granted the ability to withdraw, all the agent can do is read from a scripted answer from the legal department- which did not state what was lacking. When asked what language can be incorporated or if a Court Order would be sufficient, Bank of America was not able to provide any guidance. This means I have to ask my attorney to go back to the Judge and request yet another version of my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  take a guess at what language to include, and hope for the best that BofA will find it acceptable. Getting a XXXX to sign off means requesting a hearing date, set XXXX days out, and paying my attorney to file a Petition and appear at Court. In the meantime, my ward has received an eviction notice due to nonpayment. BofA says it will take one month to review new documents. I'm now looking at over 60 days before I can liquidate the account to pay for care. 
BofA decides which court documents they will abide by without any guidance on how to move forward. They are unlawfully withholding funds that my ward needs to live and it's wrong.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

I am challenging and requesting a thorough investigation of the inaccurate accounts on my credit report. The Fair Credit Report Act stipulates that I should receive {$1000.00} for each error. FCRA 605B mandates the reporting of any incorrect information on a consumer 's file.