davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-07
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: NAVY FEDERAL CREDIT UNION (GA)

There were multiple transactions on my XXXX XXXX and XXXX XXXX cards with Navy Federal Credit union over the course of several months from a vendor named XXXX. I have never been in contact nor done business with this merchant. They had a recurring transaction on both of my credit card over the course of the end of last year XXXX to XXXX XX/XX/XXXX where I reported the transactions. They had gone unnoticed because I regularly max out my credit cards each month and pay them off in full. Upon opening the fraud dispute with Navy Federal Credit Union, I was given a credit for the disputed amounts of {$6000.00} and {$10000.00} for both credit cards. Later this credit was removed and the charges were said to be found as valid. I reopened my dispute several times and included the communication from XXXX support with them verifying that I, XXXX XXXX, had never done business with them or signed any contract. I had gotten them to send me the associated contract for the charges they pushed onto my card which was signed by a XXXX XXXX. When I confronted them that the contract had no attachment to me, but that my card was fraudulently used to pay it, XXXX informed me that they would need to contact their legal team. They Then asked me to dispute the charges with my credit card as they could not communicate with me any longer or offer support. I forwarded all this information to XXXX XXXX whom still refused to open a dispute even with the correlating evidence/documentation. 

Dispute Numbers : XXXX {$6000.00} XXXX {$10000.00}
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

In accordance with the Fair Credit Reporting act Convergent Account, Capital One, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC. (AZ)

Account info : Account name MIDLAND CREDIT MANAGEMENT Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$450.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$450.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$450.00} Highest balance - Terms 1 Months On record until XX/XX/XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Thank you for your assistance. Sincerely, XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (VA)

I submitted Proof of identity address and FTC affidavit Please let me know if you need any other information from me to block this information from my credit report. 

I Really BEEN TRYING TO BE POLITE ABOUT THE THE SITUATION BEFORE TAKING LEGAL ACTION FOR DEFAMATION OF CHARACTER .HOW MANY TIMES DO I HAVE TO EXPRESS IM A VICTIM OF IDENTITY THEFT! 
Please Resolve this inconvenience for us BOTH Sincerely, XXXX XXXX
Consumer complaint received 2024-07-07
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

I was contacted by the debt collection agency informing me that I have a debt owed in my name to some apartments in XXXX XXXXXXXX XXXX. XXXX XXXX this was not me and is not my debt XXXX
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have hard inquiries on my XXXX credit report that I didnt Authorize and they need to be remove. And my old XXXXXXXX XXXX account was closed due to be hack and identity theft. I never missed a payment but it say I miss XXXX  payment and the account is closed.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

On XXXX XXXX XXXX XXXX XXXX, someone applied for a XXXX XXXX XXXX XXXX under my name. I was notified by my banks and various credit bureaus. I got in contact with XXXX XXXX and they said they would cancel the application and remove it within 60-90 days off my credit report ; I then followed up by contacting the credit bureaus to report the fraud and up the security on my all credit under my name. I then called the Sheriffs department to report the fraud. I am very worried about this because it could get much worse.
Consumer complaint received 2024-08-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank (OR)

I have two Accounts with First Progress secured lines of credit. I have always paid off in time and fully. I have a bank account connected to my cards and the payments process and clear and the first progress always hold the payments not putting them towards my available credit for almost two weeks as of recently. This is excessive especially when there has been no returned Un honored payments, and I put a down payment securing the lines of credit on each one to build and repair my credit.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ALLY FINANCIAL INC. (MI)

I was the cosigner on a loan for my daughter 's XXXX XXXX XXXX that was traded in for a new leased vehicle in XX/XX/XXXX. The loan was supposed to have been paid by the new creditor for the new lease arranged through the dealership that she leased the new vehicle with. Neither my daughter nor I have received any bills from the creditor attached to the XXXX XXXX XXXX since it was supposed to have been paid off in XX/XX/XXXX. Now the company has put an alert on my credit report saying that the loan is over 30 days past due effective XX/XX/XXXX. I have requested statements showing the balance before and after the payment in XX/XX/XXXX and have not received them.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (WA)

I received a " free '' credit report in XX/XX/year> from Experian, aka " Consumer Info Com ''. It was unclear to me that it started a premium membership at {$27.00} a month starting in XX/XX/year>. I called, complained and they " said '' they would refund the most recent XXXX charge today but that is all. Experian is again taking advantage of their customers at a ridiculously high fee without properly communicating the terms of an agreement..
Consumer complaint received 2024-08-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NJ)

Wells Fargo is not issuing XXXX transfers on the spot until 24 hours later and is fraudulently charging overdraft fees for not crediting transfers in a timely manner.

If they have made deductions from my account for recurring payments and Wells Fargo has notified me that I have 48 hours or two business days to settle the debts on my account by making payments on time. Wells Fargo is reflecting XXXX transfers up to 24 hours after transfers have been issued to Wells Fargo. I have evidence of the same thing, recordings of calls, complaints to the bank ignoring what happened and charging overdrafts fraudulently to my account on repeated occasions.
Consumer complaint received 2024-07-03
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. (AZ)

Fraud accounts unverified and sent to local police are being relisted. Please block all fraud accounts and related inquiries per FCRA, XXXX PD and CFPB. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charges filed with Arizona supreme court for all 3 credit reporting agencies : Litigation ref # XXXX -Officer XXXX ORIGINAL POLICE REPORT ON FILE address, emails, bank statement, FTC, police report and ID attached for full verification
Consumer complaint received 2024-07-06
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: NAVY FEDERAL CREDIT UNION (DC)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful mis-statements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating this account. I demand you to delete fraudulent account now.
Consumer complaint received 2024-07-06
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: NAVY FEDERAL CREDIT UNION (DC)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful mis-statements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating this account. I demand you to delete fraudulent account now.
Consumer complaint received 2024-07-05
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Guild Holdings Company (NM)

The lender, XXXXXXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX and a direct affiliate of Guild Mortgage ) in XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ] promised that the loan would close by XX/XX/XXXX. Not only did it not close before XX/XX/XXXX, the lenders ( XXXX & XXXX XXXX, branch manager/operator ) took a two-week vacation to XXXX and no one from the office worked on the loan packet during their absence. The lender was also incredibly unresponsive to the buyer 's agent, not being available or returning calls or emails in a prompt manner. By the time the lender returned to the office, it would be the XXXX or XXXX before closing could occur. Now the closing date is expected to be the XXXX, but ( again ) the lender has not responded to the buyer 's agent with their request for information pertaining to a set-in-stone closing date as well as final estimate for closing costs ( likely a TILA violation ). The seller has had to complete multiple amendments as they have a contingency to close on another property in another state. Because of XXXX XXXX XXXX 's failures and incompetence, both the buyer and seller are now paying out of pocket for short-term living, costing each upwards of {$1000.00} and rising.
Consumer complaint received 2024-07-05
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (OR)

I make payments towards my CareCredit credit card from Synchrony bank each month on the XXXX or before and I'm getting charged late fees for doing so. Examples : I made a payment for XXXX on the XXXX of $ XXXX but then charged a late fee on XX/XX/XXXX for {$41.00}. 
I made a minimum payment for XXXX on the XXXX of {$59.00} and then I made a payment XX/XX/XXXX for XXXX for {$100.00} but was again charged a late fee of {$41.00} I made a payment of {$100.00} for XXXX on the XXXX and then was charged a late fee of {$41.00} on the XXXX. 
Then I made a payment of {$100.00} on XX/XX/XXXX for XXXX but again was charged a late fee on XX/XX/XXXX for {$41.00}. 
Now they say I owe for both XXXX and XXXX because the Payment for XXXX I made on XX/XX/XXXX was not counted for XXXX. 
They say the reason is that I'm paying before the bill is generated on the XXXX of each month even when I paid on XX/XX/XXXX I was still charged a late fee. 
When I talked to them they acknowledged that I'm basically getting charged a late fee for paying my monthly bill early or on the XXXX of the month.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I thought the economy was bad, but after looking at my credit report it is clear which is way worse all I see are inaccurate information which is causing me immense stress. I want to uphold my rights as a consumer, it is so XXXX  that I have to go through all this and I wouldnt even be able to afford a XXXX for that because my cards will just get declined due to my credit score being low with all these wrong information.
Consumer complaint received 2024-08-13
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: MAS FINANCIAL SERVICES, INC. (CA)

We made our payment partially in good faith we are less than a month late and they call me up to four to five times a day, they accuse me of " ducking my responsibilities '' and then when i asked them to not call anymore as is my right they called four to five times a day. This is with me having a credit from last month. They demand XXXX XXXX one month and then XXXX the next so im not sure whats going on. They even had a XXXX person take my case because i mentioned my wife was XXXX so he had to tell me basically how he can get a job and manage his responsibilities. I dont need that i have a job and made a good faith payment instead of ZERO payment and then they harass me even after i have told them time and time again in writing when i intend to not only pay the late stuff but make another payment. They are harassing us for no reason other than to be XXXX. They are a XXXX predatory lending company.
Consumer complaint received 2024-07-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

The representative at the Call Center identified as " XXXX '' not willing to give any other information. I asked to speak with his supervisor XXXX, he advised XXXXXXXX XXXX  id is XXXX. 

I am in the process of changing my banks locally, I had a returned XXXX in XXXX XX/XX/XXXX, I made the payment from a different bank XXXX XXXX on XXXX was on vacation thru XXXX of XXXX and never got a chance to change the banking information, again not late my payment will be made on XX/XX/XXXX using XXXX XXXX. 

XXXX advised I will no longer be allowed to use XXXX - forcing me to us wires, money orders, and cashier 's checks. I advised these will all cost additional money and time - also why wasn't I notified of this restriction after the XXXX infraction. They communicated on the XXXX infraction applying the mandatory restrictions. 

This does not allow for proper notice!
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Albert Corporation (IN)

The app is Albert. A while back I was in between jobs and needed money for food and essentials. The biggest complaint I have is with terms of service. You opt in to investing and depositing money into your wallet if you end up getting a loan. After having a job and not having a use for it anymore I come back to check if Im still not paying for anything. Turns out it puts money in my investing wallet and rainy day fund every week. Upon learning this, I immediately try and get everything out and shut my account down. Come to find out I cant transfer money out after recently depositing. Also another prompt Ill get is you dont have the available funds to transfer when I clearly do. You also can not cancel the account unless all of your wallets are emptied. I tried to get into contact with the support of Albert but turns out to be all bots and could never find a real human to talk to. Its just over all shady I know theres not much to do on shutting companies like this down and a lot of loopholes and shady business practices in place to keep them safe. Im just at the point where I dont know where else to turn to shut down the account or the ability to get the money in those wallets back.
Consumer complaint received 2023-06-14
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: American Credit Acceptance, LLC (MD)

I had a vehicle financed through American Credit Acceptance. I purchased vehicle in XXXX of XXXX. I have made on time payments for the past XXXX years. On XX/XX/XXXX, my vehicle was damaged and was determined to be a total loss. My wife spoke with a representative with American Credit Acceptance in regards to working with both our car insurance carrier and the company we purchased the car from. We were informed that the representative would work on our case and that we would be notified with a decision. We did not hear anything after that point. We are in the process of purchasing a home and on XX/XX/XXXX, we found out from our loan officer that American Credit Acceptance had posted a late payment on my credit report. I was shocked to learn that there was a remaining balance on my totaled vehicle and that a payment was delinquent. I had not been contacted with any of this information. My wife called American Credit Acceptance today ( XX/XX/XXXX ) explaining that we have made on time payments for 2 years and that we were unaware there was a balance owed. My wife requested that the late payment status be waived and removed from my credit report because we have always been on time with our payments. She made them aware that this late payment status was affecting our ability to close on our new home. My wife was told that there was nothing the company could do. The company stated a letter was sent on XX/XX/XXXX explaining there was still a balance. My wife let them know we had not received any letter. If we had, we would have made payments again. The representative for the company acknowledged that we had not received the letter and offered to have it emailed instead. She was then told that we could file a dispute with the credit bureau that could take XXXX business days to resolve. My wife told the representative that the time frame was too long, as we are closing on our new home at the end of the month. The representative stated there was nothing else the company could do. I feel we are being penalized because the company did not follow up with us about our total loss claim as promised. I have impeccable payment history with this company. The " late payment " status is a result of poor communication on behalf of American Credit Acceptance. This decision could jeopardize my family 's housing situation as we must leave our current residence by the end of the month ( XXXX XXXX ).
Consumer complaint received 2024-07-11
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. (TN)

15 U.S. Code 6821 - Privacy protection for customer information of financial institutions U.S. Code prev | next ( a ) Prohibition on obtaining customer information by false pretenses It shall be a violation of this subchapter for any person to obtain or attempt to obtain, or cause to be disclosed or attempt to cause to be disclosed to any person, customer information of a financial institution relating to another person ( 1 ) by making a false, fictitious, or fraudulent statement or representation to an officer, employee, or agent of a financial institution ; ( 2 ) by making a false, fictitious, or fraudulent statement or representation to a customer of a financial institution; or ( 3 ) by providing any document to an officer, employee, or agent of a financial institution, knowing that the document is forged, counterfeit, lost, or stolen, was fraudulently obtained, or contains a false, fictitious, or fraudulent statement or representation.

( b ) Prohibition on solicitation of a person to obtain customer information from financial institution under false pretenses It shall be a violation of this subchapter to request a person to obtain customer information of a financial institution, knowing that the person will obtain, or attempt to obtain, the information from the institution in any manner described in subsection ( a ). 


This law protects me as the holder of the consumer which is the person ( debt instrument ) and employees at XXXX XXXX XXXX had no authorization or consent from me to report any transactions to consumer reporting agencies and who have not provided the XXXX principles to prove a debt exist. Also theres no such thing as late payments on a loan which was never provided by the financial institutions. Bank dont loan money and the employee at XXXX XXXX XXXX proved this. I do not consent to have information reported on the deceased person where they are coercing against my will to be surety for debt. Theres no law which proves that late payments exist. How can a dead person be late on making payments?