davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-27
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: GOLDMAN SACHS BANK USA (CA)

I was involved in an elaborate scam facilitated by a self-professed XXXX customer service representative XXXX XXXX, whose XXXX number was published on XXXX XXXX search results. 
This scam, misrepresented as a necessary process to lock down credit cards that were considered vulnerable due to what they believed as a worm attached to my computer. These transactions would all be reversed but would trigger a lock on these card as a result of the recipients contact names and transfer amounts. 

All other financial institutions credited me for the transactions that involved their organizations : XXXX XXXX, XXXX, XXXX, XXXX  XXXX XXXX among them. ( All settled within 48 hours ) The only hold out was XXXX XXXX who assured me they would make their Fraud Claim report and their actin to cancel one of their transactions to Goldman Sachs Apple Card. XXXX separate submissions of a claim each taking XXXX  months to research were all rejected as a result of being a completed transaction made by the merchant, XXXX XXXX dispute repeated assurances with every submission this would be settled as a scam and not my responsibility to pay myself. 

Know that it is clear Goldman Sach is severing ties with Apple Card in XXXX, its clear to me that this is process is an attempt to run out the clock and leave me holding me ultimately responsible.
Consumer complaint received 2024-08-27
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: CREDIT ACCEPTANCE CORPORATION (MI)

Well to start I came to review my car options and how they operate I had to apply before I could know which car I qualified for. I explained to the sales person I was looking at other options for cars but the sales person told me dont get a car from them just get this car I told them I wanted time to think about this but she convinced me this was a nice car and I stupidly trusted them. All I was told was how much I need down for the car and when I asked what the total amount of the car was I was told I am in a credit building program and this would help my credit misleading me. I was not given paperwork break down of what the apr was or even the finance charge when I signed my initials on the lease agreement I was given some blank command prompt to add my signature and this transferred over to the paperwork I was never given the printed paperwork until after it was already signed. The very next day of riding the vehicle there was an engine light coming on I go get it checked they say the car had a bad catylac converter and this is when after reading my car loan paperwork I was told that I have been completely overcharged for the vehicle I was financed that came with major problems. The cars value is only about XXXX in good condition unlike mine but I was sold the car for double that at XXXX the vehicle isnt even worth this price and had cosmetic damage. Then on top of this additional XXXX over the car value I was being charged a high interest rate for no reason 24.49 % and my credit was about a XXXX when I applied adding a XXXX interest on top. So monthly it says my bill is XXXX only XXXX of that goes towards the payment on my loan which they have been fluctuating monthly and the interest off XXXX goes to them which I dont understand how the interest amount changes monthly I believe I am being scammed corrupted and robbed by this company and they need to be stopped. From the car lot charging double of value to this car to the loan company having sketchy tactics since I payed my first bill the amount it went down to {$16000.00} then now two months later my balance is XXXX which I dont see how it is going up after I made payments. The signatures I made you can clearly seen were done from a computer not by hand.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC (ND)

CB Indigo- XXXX past Due XXXX Balance XXXX starting XX/XX/year> to present. I never used that card and it was closed, but for som reason its affecting my credit report. 

In accordance with the fair credit report act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account Without my written instructions. under 15 USC 1666B 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 2024-08-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Credit Control, LLC (FL)

This company, Credit Control , LLC is threatening potential legal action about an alleged debt that, according to their company is not even subject to collection in a court of law because the alleged debt is allegedly past legal collection dates I have never had any dealing with or any contracts with Credit Control , LLC and I want them to please cease and desist all calls and any contact with me immediately Reference number # XXXX I do not recognize any alleged debt this company, that I never had any dealing with, is communicating with me about They have called and sent letters, I do not want this company to contact me ever again
Consumer complaint received 2024-08-27
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC. (DC)

I was contacted via phone about a balance I owed for {$120.00} and I let them know I was waiting for my check to come to pay that balance and the upcoming payment. During this time I am literally in the hospital with a sick child for an XXXX XXXX and shes hospitalized. They continued to try and get in contact with me so someone they have reached out to someone that I personally know. Once called I was told that clearly they asked was I XXXX XXXX ( female ) and hes said no but he knows who I am and he being male. Instead of saying they were trying to reach me for business matter or anything professionally without disclosing my private information or protecting my consumer rights she ( the bank person ) decided it would be ok to tell him that she needs me to pay my balance on my vehicle that I was behind on. Im behind {$120.00} and I was clear when I spoke to the previous person it would be paid. This is beyond ridiculous, embarrassing, and violated my rights as a consumer! This person isnt even close enough to me to have known or should know my private matters ESPECIALLY when I have rights. I would like the resolution to be monetary compensation because Im sure if this was done to me shes doing this to other people! Again, my child is in a XXXX and I have to worry about someone calling me to tell me they know my personal business that I didnt give the rights to disclose with ANYONE.
Consumer complaint received 2024-08-27
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: U.S. BANCORP (KY)

On XX/XX/year> I missed a phone call from a local area code ( XXXX ) XXXX. This entity left a voicemail stating that a lawsuit was filed against, provided an alleged case number and that I needed to contact them at XXXX ( XXXX ) XXXX. I called the provided number which was to a XXXXXXXX XXXX XXXXXXXX. The gentleman stated he could tell I was confused as to why I was receiving this phone call. He stated his firm was representing US Bank who was filing suit for a closed checking account I'm alleged to have had between XXXX. He stated I owed approximately {$2500.00} plus legal fees and court costs. He also stated vehemently that they've been trying to resolve this issue, but I've not responded to any attempts made. He stated that they had just attempted to deliver legal documentation via a " courier '' within the past few weeks. I explained that I have no knowledge of this supposed debt. He stated that I could have 30 days to discuss it with an attorney before they move forward with legal action if I choose to dispute. I advised again that I have no knowledge of this alleged debt from XXXX  years ago and asked why I would just now be contacted or threatened with legal action. He stated they've been hired by US Bank to clean up any outstanding debt. He asked if I was planning on disputing it and I stated yes as I have no knowledge of this supposed debt. He advised that he would be marking it in their database that I was going to dispute, insinuating that by disputing I was waving the previously claimed 30-day window for legal review, thus escalating the issue towards legal action. I've also contacted the XXXX XXXX XXXX 's office and have an appointment on XXXX with the XXXX XXXX XXXX 's office at XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (CA)

Months ago I discovered that I have been a victim of XXXX XXXX  again. I currently have and had in past fraud alerts on my credit but yet it is still being compromised. I have created police report, ftc report, affadavit letters along with all supporting documents. I sent documents to credit bureaus and issuers of the credit accounts that were fraudulently opened on my behalf. I reach out to here as the companies and credit bureaus do not want to abide by the fair credit act and remove these fraudulent items from my credit report as it is hindering my life.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: ID Analytics, Inc. (MO)

I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.
Consumer complaint received 2024-08-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken (CA)

Commencing on or around XX/XX/year>, I fell victim to XXXX multi-layered scam operations run by XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my XXXX account to fraudulent investment firm ( XXXX )
Consumer complaint received 2024-08-27
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 (CA)

In an unsigned letter dated XXXX XXXX XXXX, Newrez Mortgage LLC stated : According to our records, your earthquake insurance policy is about to expire and we have not received a renewal or replacement policy. For your protection, as well as ours, and as required by your mortgage, your property must be kept continuously insured. 

In a letter to Newrez Mortgage LLC dated XXXX XXXX XXXX, I asked Newrez Mortgage LLC to : Please provide me, in writing, with a clear and concise statement of the exact provision in my loan documents that obligates me to provide earthquake insurance coverage for the subject property. 

I have not received a response from Newrez Mortgage LLC. 

On XXXX XXXX XXXX, in a second letter to Newrez Mortgage LLC, I requested a response to my XX/XX/scrub>XXXX XXXX XXXX, letter. Regrettably, I have still not received a response from Newrez Mortgage LLC to this very important issue. Because Newrez Mortgage LLC has not responded to my two written letters, I am worried that Newrez Mortgage LLC has, or will, place earthquake insurance on the subject property without my knowledge, consent or means to dispute the claim, and charge me for the cost of that earthquake insurance.
Consumer complaint received 2024-08-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (CA)

Savings trapped in Chime account - Please help* I have been a Chime customer since I moved to XXXX XXXX XXXX XXXX 3 years ago. 

Last night I had my chime bank card stolen, so I cancelled the bank card and issued a new one. 

This morning I woke up, and tried to login to the Chime app. I was locked out and had to prove my identity to the company- which makes sense as a security measure. However, I was stunned to realize that they did not accept any forms of ID that I used to open the account. 

I spent many hours this morning pleading with Chime customer support to accept any of the following IDs. But they insisted that they only accepted a XXXX XXXX or XXXX driving license. I am unable to get these IDs as XXXX XXXX XXXX XXXXXXXX citizen and therefore can not get a XXXX passport. I can not currently get a XXXX drivers licence or state ID. They promptly hung up on me without escalating the issue. 

Chime let me open my account with my SSN & XXXX XXXX, but now wont let me get into my account with the same ID. 

Forms of ID I have, and willing to supply to Chime to prove Identity : - I have a XXXX XXXX, XXXX Drivers License, American Social Security card, Multiple American Visas, XXXX XXXX XXXX XXXX ( All photo IDs ). I have lived in the US Cumulatively for almost 7 years. 
- I answered all of the security questions asked by account verification team - I have the login details of the online app, and use faceID Chime will not let me access my money despite having an internationally recognize passport and American social security card with matching name. I can not access my money and $ XXXX is a huge sum to me and my family.
Consumer complaint received 2024-08-27
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (MD)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against IQ Data and XXXX XXXX regarding a serious error that has significantly impacted my credit report. I was a tenant at XXXX XXXX, located at XXXX XXXX XXXX, XXXX XXXX, for XXXX years, during which I consistently paid my rent on time. On XX/XX/XXXX, I moved out, leaving all accounts settled with XXXX XXXX. 

To my surprise, in late XXXX, I received a communication from IQ Data stating that I owed {$500.00} to XXXX XXXX. I immediately contacted IQ Data, explaining that this debt was incorrect and requesting that they contact XXXX XXXX to resolve the error. I also visited XXXX XXXX, provided them with the collection notice, and was assured that they would rectify the situation with IQ Data. In fact, XXXX XXXX confirmed that I had no outstanding balance and even issued me a refund of {$850.00}. 

Despite my repeated assurances from XXXX XXXX that they had communicated with IQ Data to clear up this mistake, IQ Data continued to pursue the debt. They called me twice, and each time, I reiterated that the debt was not mine. I even provided them with my account statement, clearly showing that I owed nothing to XXXX XXXX. Yet, IQ Data persisted and unjustly reported this false debt to my credit report, causing significant harm to both me and my son, who was also listed on the lease. 

The collection agency, despite having clear evidence that I did not owe any money, failed to take appropriate action to verify the information with XXXX XXXX. As a result, they have wrongfully reported me as a debtor, severely damaging my credit. 

To further support my case, I have attached a document that clearly shows I do not owe any money and that I never had any outstanding debt with XXXX XXXX. This document serves as clear evidence of the mistake made by IQ Data in pursuing this collection and reporting it to my credit file. 

I wish to bring to your attention the violation of my rights due to this false reporting. Both IQ Data and XXXX XXXX have failed to take responsibility for this situation, leaving a damaging and incorrect report on my credit history. This has not only affected my personal life but has also caused considerable harm to my financial standing. 

I respectfully request that the XXXX require IQ Data and XXXX XXXX to take immediate action to correct this error and notify XXXX to amend my credit report without delay. The negligence of these companies has caused undue damage to my credit, and I seek your intervention to protect citizens from such abuses. 

Thank you for your prompt attention to this matter, and for reviewing the attached document, which clearly supports my claim. 

Sincerely,
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CREDIT ACCEPTANCE CORPORATION (MS)

I called a car dealership and was advised to be able to view cars I would have to agree for a a credit report to be run. When I asked if this was a hard inquiry, I was informed that it was not and that is it general to see how much I would have to solely based on my income. I never heard back from the dealer and later received a notice that a hard inquiry was submitted on my behalf and that I was denied credit, even though I never agreed to have my credit report pulled for financing. I did not go into the dealership to view a car or provide any form of identification yet the dealer submitted my credit to several banks even though I asked them not to do so because I was undecided.
Consumer complaint received 2024-08-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Block, Inc. (IN)

XX/XX/year> froze my account after my ID was verified by your system. Holding my funds illegally by not allowing the transfer or withdrawl. Closing my new card without authorization keeping me from using my funds. Not allowing me to link any bank accounts to transfer my funds.
Consumer complaint received 2024-08-27
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

My copy of the signed lease agreement shows a monthly payment of {$480.00} however the amount reflected on the electronic signed filed copy by Nissan Finance is {$520.00}. Currently Im being charged late fees and Nissan Finance is declaring my account with late payment history which Ive been paying on time. I personally sued the dealership for punitive damages but they have failed to update my account to reflect the correct monthly payment.
Consumer complaint received 2024-10-28
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. (MO)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-08-17
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: Experian Information Solutions Inc. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-07-28
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. (NJ)

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 XXXX # XXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXXXXXX XXXX  XXXX XXXX # XXXX, Account Name : XXXX # XXXX, Account Name : XXXX # XXXX, XXXX  # XXXX, Account Name : XXXX # XXXX, Account Name : XXXX XXXX XXXXXXXX # 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.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (AR)

In accordance with the FCRA, ( XXXX, XXXX, XXXX, ) have violated my federally protected consumer rights to Privacy and confidentiality under 1681. According to 15 U.S.C 1681c- ( a ) ( 4 ) Except authorized, NO CONSUMER REPORTING AGENCY may make any consumer report containing accounts placed for collection or charged to profit and loss. I have the list of Accounts that I will post here! ( XXXX XXXX XXXX account # XXXX but for XXXX showing account # **** which is also INACCURATE REPORTING ) I am Attaching identity and proof of address.