davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-30
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NC)

Accounts opened in my name online ( specifically the one listed below ) : Wells Fargo High Yield Savings Account Number : XXXX Statement Dates : XX/XX/XXXXXXXX  - XX/XX/XXXX Statements sent to : XXXX XXXX XXXX, XXXX XXXX CA XXXX : Which was not my address The XXXX Savings Account was Opened on XX/XX/XXXX along with 3 other accounts created on the same date. 

XX/XX/XXXX : WFB Opening Deposit Online Transfer from Checking : XXXX Ref : XXXX XX/XX/XXXX : Cash eWithdrawal in Branch/Store - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wells Fargo Claims that they were only able to locate four debit cards : Card ending in XXXX, activated XX/XX/XXXX and closed XX/XX/XXXX Card ending in XXXX, activated XX/XX/XXXX and closed XX/XX/XXXX Card ending in XXXX, activated XX/XX/XXXX and closed XX/XX/XXXX Card ending in XXXX, activated XX/XX/XXXX and closed XX/XX/XXXX I never received all of the statements, I never got the withdrawal slips, I never got correct debit card numbers
Consumer complaint received 2024-09-30
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Bridgecrest Acceptance Corporation (OH)

On XX/XX/year> BRIDGECREST ACCEPTANCE CORPORATION committed a non judicial repossession ( not an order given by the judge ), on my personal property from a private location and pursuant to 15 USC 1692F that is illegal. There was no present right to possession of the property claimed as collateral through an enforceable security interest, the property is exempt by law. These corporations, these BANKRUPT MANUFACTURERS have been taking advantage of the people for so long they fail to stay in compliance. According to 15 USC 6802, BRIDGECREST should not and did NOT have my permission to disclose my non-public personal information to a non affiliate third party XXXXXXXX XXXX XXXX, that I have not done any business with, that is identity theft. No court order was signed by a judge nor was I notified in writing that such action would take place I was never given an opportunity to cure and my property was stolen. I never received any non disclosure forms to exercise my rights to opt out. The third party non affiliate XXXX XXXX XXXX was closed all weekend and I was without transportation and my wallet and other important items. My credit was extended to XXXX and BRIDGECREST bought this obligation for pennies on the dollar and is trying to coerce me into making payments for a consumer credit transaction before the Consumer Financial Protection Bureau has had time to complete its investigation. All payments should have been suspended during this administrative process. I informed BRIDGECREST that late payment was being held in escrow after seeking legal advice so there was never any refusal to pay.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights .

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 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 2024-09-24
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (CA)

My credit was ran by a company I did not give my approval to, I do not or did not live at the address that was given in the credit application pertaining to this address which makes this inquiry fraud! If I didnt give the approval and the address is not on my credit report and I never lived at this address this inquiry must be removed.
Consumer complaint received 2024-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (CA)

An account was opened from a residence where I used to live my phone number was XXXX XXXX and they got my card and made purchases. I have asked them the purchases are not mine and checked with XXXX XXXX at Chase Fraud, and yet they are saying I am responsible for it.
Consumer complaint received 2024-08-24
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (MO)

This is in regards to Synchrony Bank. I have ( had now ) three cards through this credit provider - MyLowes Rewards, XXXX XXXX and Amazon, which I have had amazon for about 10 years now. 

At the beginning of XX/XX/year>, I received an email stating that my account information had changed on the Lowes Card. Upon logging into the account, I noticed that someone changed my address to a XXXX South Carolina address and had made two payments to pay off the account in the sum of {$4300.00} from TWO separate checking accounts that were saved under my Lowes Account. And I pointed out that I did not make the payments, as I am not going to attempt to pay a card off if I do not have that amount of money, considering my wife and I live paycheck to paycheck taking care oXXXX XXXX XXXX 

The agent ( s ), I spoke with more than one, stated that they were going to start an investigation, all in which over the next week of changing passwords repeatedly because someone kept getting into the account with every password change I made, makes me seem to think that someone from Synchrony was actually getting into my account and making these changes.

Just a couple days ago, Synchrony closed my XXXX XXXXXXXX account and my Amazon credit accounts, due to their reasoning that I made payments on the account of Lowes that were dishonored by my bank, even after calling Syncrhony and reporting the fraudulent payments that were made under my account. 

So all-in-all, they are punishing the customer by closing all my accounts with them, due to fraud from someone getting into my account because of the dishonored payments that I did not make to the account and that I reported as fraud. 

Then on the phone calls, wanted to accuse me, the customer, of doing this. I do not think that Synchrony should have been able to close my other two good standing accounts with them over the fact that I reported fraud to them about the payments and that the full {$4300.00} payments twice were returned because of not having that amount of money in my accounts. I had also setup XXXX XXXX payments on the Lowes card to pay off the balance because that is all I could afford to pay on the card each month. 

I am not going to make a payment to pay off an account without actually having the funds in my account. They are actually hurting a consumer rather than trying to protect them and then punishing the consumer/customer AFTER reporting fraud on their own accounts.
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (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. 

XXXX XXXX, account # : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2024-10-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (MO)

NationStar DBA Mr Cooper ( loan number XXXX ) has held many monthly payments in suspense ( at roughly {$7000.00} at this point ) and had not applied these payments to the principle/loan. They attempted to remove a XXXX XXXX  stay to begin foreclosure. Additional monies were paid and still not applied to principle and they just sent someone to photograph our home. We are concerned that they are attempting to illegally foreclose when there is approximately {$2000.00} over what we owe at this point. We want our payments applied and with each attempt to do so with a customer service agent, it is referred to another department but not applied.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I send supporting documents because am a victim of XXXX XXXX  and send all documents to verified my disputed .i was told by XXXX that my documents was not authentic and all negative accounts will remain on my credit profile .i send even laws to back up my dispute and was still denied.
Consumer complaint received 2024-08-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
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 (OK)

I had a 2nd mortgage with Specialized Loan Servicing. This loan was purchased by Shellpoint. While with Specialized Loan Servicing I entered into a modification agreement with three trial payments. After making the third trial payment but before the loan modification was finalized the loan was sold. Now Shellpoint is refusing to honor the terms of the modification agreement and is insisting that I fill out " their '' forms and start the modification process again from scratch. I do not believe they are allowed to disregard the agreement I had in place with SLS. The first time I called on this matter they told me to just continue to make my modified payment while the documents catch up with the transfer of the loan. When I went to make the payment they refused payment, that is when they told me I must start the modification process over again.
Consumer complaint received 2024-10-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Adler Wallach & Associates, Inc. (CA)

The AWA Collections should up on my credit report. This account is not only old, XX/XX/year>, but never wanted XXXX XXXX because the company did not want to give me mortgage insurance. So it didn't make sense to leave XXXX XXXX XXXX. As a result, the XXXX rep failed to cancel the account and I was charged for services that were never rendered. 
Also, I tried to resolve account with AWA Collections and they only wanted to help me if I purchased their services which is totally illegal. I just wanted to resolve and get this account out of my credit report. Very hard company to work with. I told them I needed this resolved because I was going through a refi.
Consumer complaint received 2024-09-06
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. (MN)

In XX/XX/year>, I received a credit alert from Equifax stating that my XXXX XXXX credit account had been closed as of XX/XX/year>. I confirmed on my credit report that, indeed, my XXXX XXXX credit card account was reporting as " closed by consumer. '' I noted that Equifax was the only credit bureau reporting the account as closed ; XXXX and XXXX were reporting my account as open and in good standing. I contacted XXXX XXXX credit card customer service in XXXX, and the representative I spoke with confirmed that my account is open with a credit limit and available to spend limit of {$10000.00}. I further confirmed on my XXXX XXXX app that my credit card account is still open and has a {$10000.00} credit limit, all of which is available for me to spend. The representative stated she would file a credit dispute on my behalf, which would send data to Equifax to state that my credit card account is open, active and not closed. I also filed a credit report dispute of my own, directly with Equifax, to dispute that this credit card account is open and active. As part of my dispute through Equifax, I uploaded documentation to their dispute portal -- screen shots from my XXXX XXXX credit card showing that the card is open, active and I have {$10000.00} available to spend -- to support my dispute. On XXXX XXXX, Equifax completed its investigation into my dispute, and they state that the creditor has verified to them that the account is correctly reporting as " closed '' and " closed at consumer 's request. '' This is knowingly false and inaccurate information by both Equifax and XXXX XXXX credit card. I called XXXX buy on or around XXXX XXXX, and the representative again confirmed my account is open and active. She also stated she saw the internal credit report dispute that XXXX XXXX filed on my behalf, and the response they received to that dispute did not make any sense. As the consumer, I am caught in the middle between Equifax blaming XXXX Buy and CitiBank/Best Buy XXXX Equifax for falsely and XXXX reporting my account as closed, when the account is no such thing. Furthermore, I believe that both Equifax and XXXX XXXX are doing nothing more than passing the buck, each blaming the other, but neither of them taking the legally required steps and actions to correct this error on my credit file. My credit score dropped several points as a result of this reporting, so it has caused me tangible harm when I applied for a mortgage loan this week. I have attached a copy of the XXXX XXXX Equifax dispute investigation results, showing that both companies are irresponsibly and knowingly reporting false, inaccurate data to each other about my account.
Consumer complaint received 2024-08-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (AR)

I requested a XXXX XXXX XXXX from Navient. I was denied an application. 
Their response was that I had federal loans. 
I am a full class member of XXXXXX/XX/XXXXXXXX. 
I attended XX/XX/XXXXXXXX who defrauded students with their deceptive behaviors. It was ruled that students should be refunded all payments made on federal loans. 
Not allowing all students to be refunded the payments made on all of their federal loans is not a fair practice. We all were defrauded. 
I think students have been deceived enough by the XX/XX/XXXX XXXX XXXX and other for-profit schools. The Department of Education was deceptive with denying our BDTR claims. We were all originally denied and had to sue to get anything done. XXXX are considered Federal Student Loans. 

The Department of Education needs to make this right for XXXX and XXXX loans.
Consumer complaint received 2024-08-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harris & Harris, Ltd. (CO)

I visited XXXX XXXX XXXX on XXXX in XXXX, TX multiple times throughout the course of XXXX and XXXX and gave them my up-to-date email address, phone number, and permanent physical address each time I visited. On XX/XX/XXXX, I visited their XXXX  and paid the {$30.00} copay before receiving their services. I was tested for XXXX, strep, and the flu. At no time during the clinic was I told that I would be charged out-of-pocket costs for these tests, and I was not given a bill while at the XXXX. XXXX ( parent company of XXXX ) never contacted me through phone call, text message, nor email about the {$150.00} that I owed to them. No residents of my permanent physical address received a bill or a notification of the debt either. XXXX failed to notify anyone of this debt. I was not made aware of this debt until today, XX/XX/XXXX after I received a text message from Harris & Harris Ltd. that read, " [ My first name ], Harris & Harris is a debt collector for XXXX, '' with links to their website as well as their phone number to pay the debt. It provided no other information about my debt until I logged into Harris & Harris ' consumer portal. XXXX gave Harris & Harris an outdated address despite the fact that neither I nor any of my family had resided at this specific address since XXXX of XXXX. ( I had been taken to other facilities within the XXXX system while I was a minor, and living at this outdated address. ) I had never provided XXXX XXXX XXXX on XXXX in XXXX, TX with this address, and had solely given them my current address from XXXX onward. The clinic passed my debt off to Harris & Harris before ever reaching me through phone call, text message, or email, and without billing the address I had provided them with at time of the visit. I suspect they have been sending bills to the same outdated address that they provided Harris & Harris Ltd. with, which I have never given to them as a valid permanent address since I've visited their urgent care.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc (TX)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15USC1681 section 602 states, I have the right to privacy. 15USC1681 section 604A, section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2024-06-24
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. (NV)

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 Account XXXX Account Name : XXXXXXXX XXXX  XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Hi XXXX  Managers ; I trust this message finds you well. Enclosed within this correspondence, please find the attached documents that unequivocally demonstrate my XXXX XXXX status in the XXXX XXXX during the period when an account on my credit report was reported as late. I have engaged in numerous discussions with your esteemed customer service representatives regarding this matter, and on each occasion, I diligently provided evidence supporting my absence and limited communication during that time. 

Upon my return from military service, I promptly fulfilled all of my financial obligations, addressing both past and current bills with unwavering commitment. I believe this issue to be satisfactorily resolved following my previous interactions with your company. However, to my surprise, I recently discovered that late payments were once again reflected on my credit report. This development is perplexing, as I had been under the impression that these derogatory marks were removed from my credit report several months ago, following my last communication with your organization. 

It is important to underscore that the reporting of late payments during a period when I was actively serving our country is not only deeply concerning but also seemingly incongruous with the protections afforded to servicemembers under the XXXX XXXX XXXX XXXX ( XXXX ). I had a reasonable expectation that I would be shielded from such adverse credit reporting while fulfilling my duty to our nation. 

In light of these circumstances, I respectfully request your immediate attention to this matter. I implore you to investigate and rectify the reporting of late payments associated with my account. I believe it is crucial to uphold the principles of fairness and adherence to the XXXX, ensuring that my credit report accurately reflects the sacrifices made during my military service. 

Your prompt response and action in resolving this issue would be greatly appreciated. I trust that, through our collaborative efforts, we can swiftly address this concern and uphold the integrity of my credit report. 

Thank you for your understanding and attention to this important matter.
Consumer complaint received 2024-07-11
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.