davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Consistent with Congressional policy, I have the right to ensure my private information is not shared without my consent. 15 USC 6801. 15 USC 1681 ( b ) ( 2 ) states that " [ i ] n general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' See also P.L 90-321 ( 82 Stat. 146 ). Portfolio Recovery Associates , LLC ( " PRA '' ) does not have my consent to furnish this information and they surely do not have my written consent. This lack of consent is confirmed by the attached legal opt-out notice. Moreover, 5 U.S. Code 552a ( a ) ( 4 ) and 5 U.S. Code 552a ( b ) ( 12 ) ( hereinafter the Privacy Act ) protects my right to privacy. Under the Privacy Act, subsection ( a ) ( 4 ), the term records include a consumer report. The disclosure of a consumer report ( a record ) under the Privacy Act can not be furnished without the prior written instruction of the consumer ( the individual to whom it relates ). PRA does not have my written consent to publicly furnish these records nor can they produce the same as it was never given to them. Additionally, 15 USC 6802 ( b ) ( c ) forbids the disclosure of " nonpublic information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. PRA never informed me of my right to exercise my nondisclosure option. And per the enclosed notice, I revoked any consent - implied, express, verbal, or non-verbal- to which PRA may have been relying on is legally revoked indefinitely. 15 U.S.C. 1681s-2 ( A ) ( 1 ) states : [ 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 information is inaccurate. Also, 12 CFR 1016.17 states that [ a ] consumer may exercise the right to opt-out at any time. I am opting out of PRA 's reporting of this account. Accordingly, PRA has received lawful notice of my opt-out of their reporting of the following account to non-affiliated third parties- such as XXXX, XXXX, and XXXX. Thus, PRA is not lawfully permitted to continue reporting this account on any of the consumer 's credit reports.
Consumer complaint received 2024-01-11
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 (NE)

I am writing to file a complaint regarding an unresolved dispute with Apple concerning a XXXX XXXX purchase on XX/XX/2023. The product was never received by me due to its damaged condition upon delivery, which led me to refuse it. The XXXX tracking system confirms the refusal of the package associated with my address. 

Despite numerous attempts to resolve this issue with Apple, including discussions with supervisors, the response has been unsatisfactory and seemingly templated, lacking attention to the provided evidence. The purchase was made using an Apple Card with specific financing options for the XXXX XXXX. 

I have disputed the charge five times, with the first four attempts being denied without proper explanation or consideration of the evidence. The dispute process is lengthy, taking up to four months, with minimal communication other than requests for additional information, which I promptly provided. The lack of transparency and rationale behind the denial of my disputes is concerning, especially given the fact that the credit card company and the merchant are the same entity, suggesting a potential conflict of interest. 

The purchase amount was {$3400.00}, separate from the tax amount of {$260.00}. Interestingly, the dispute for the tax was quickly resolved, and I received a permanent credit. However, the main dispute involving the {$3400.00} has been denied four times, despite it being part of the same transaction. 

This situation has caused significant inconvenience and financial strain, and I seek assistance in resolving this matter fairly.
Consumer complaint received 2024-01-11
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Bread Financial Holdings, Inc. (CA)

At the beginning of XXXX ( during the pandemic ) I needed an emergency dental procedure and was encouraged by my dentist office to sign up for an interest free credit card program for low income patients called XXXX  XXXX. Upon doing so, I agreed to make an interest free automatic monthly payment from that day forward, in order to pay for the {$1800.00} procedure, and I have held up my end of the agreement. It has now been three years of these " interest free '' automatic monthly payments which by my calculations totals {$2000.00}. This amount exceeds the original amount owed. When I tried to reach someone to speak with, the person on the phone was difficult to understand due to a language barrier, and she was unable to see anything prior to this years billing statement. Upon requesting to speak to someone else regarding the matter, she would not transfer me to someone else who could possibly help me. I called numerous times and ran into the same obstacle by phone. When I looked at my online statement, I noticed that in previous months, my monthly automatic payments had fluctuated to higher amounts sometimes without my knowledge or consent. Most alarming, was that the current billing statement indicates that I have only paid {$400.00} of the original {$1800.00}. In reading through the recent statement, I noticed there have been new agreements made regarding the original contract, without my consent ( signature ), nor was I made aware of these changes. I have never signed a new agreement nor was I informed of one. As of XX/XX/XXXX, my payments have exceeded the original amount owed and I can not afford to continue to make payments on what appears to be a new amount owed, for a bill that is three times higher than the original amount owed. I was advised to write a letter to the company ( Disputes division ) and so I did. I am still waiting to hear back from the company.
Consumer complaint received 2024-01-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (PA)

While I was XXXX  in XXXX ( XXXX XXXX ) my debit card was stolen & used XXXX  times, XX/XX/XXXX- {$400.00} & {$990.00}, XX/XX/XXXX - {$60.00}. I submitted a fraud claim to Wells Fargo. On XX/XX/XXXX, they temporarily credited my bank acct for {$1300.00}. Then on XX/XX/XXXX, Wells Fargo took the money back out of my acct & refuse to reimburse me for it. Wells Fargo insists, even though I was XXXX, that I left the XXXX  XXXX, used my debit card ( which I did not have ) at the stores, then I returned to my XXXX  XXXX  room. This I was told by Wells Fargo yesterday, XX/XX/XXXX. None of what Wells Fargo stated makes any sense. I gave Wells Fargo a letter from my doctor verifying my XXXX. I'm finding out that Wells Fargo does very little investigations at all. On XX/XX/1923 Wells Fargo sent me, by email, a male customer 's claim decision. They had denied his claim exactly the way they denied mine. I now have this man 's name & am trying to find him. I feel this is violation of this man 's confidentiality by Wells Fargo & very sloppy work by Wells Fargo Claims dept, sending me another person 's claim resolution. I don't know if you can do anything, but I would simply like my y {$1300.00} reinstated to my bank acct. Otherwise I must file for Arbitration & file a case in small claims court. Thank you very much. XXXX XXXX
Consumer complaint received 2024-01-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Rocket Mortgage, LLC (IA)

So in the beginning we were trying to purchase a home through XXXX XXXX funding which fell through because the company had proceeded in some less than reputable ways that resulted in our personal loss of money and straining relations with the seller of the house. Enter rocket mortgage who originally had given us the impression that we would be able to get an FHA loan and have optimal loan options available. However as we got closer to closing the option that we were given resulted in a less than optimal choice which resulted in us being cash broke and having a high mortgage payment, higher than most people in our neighborhood. The only reason why we agreed to the terms of this loan was because we needed to sail to go through as we were in a dire situation and we were reassured that we would be able to refinance within 6 months of the sale as well as being able to pay dividends weekly as the mortgage was high in general, double what we were paying and rent beforehand. As it sits right now the loan is a conventional 15 year loan that we have now accrued over {$700.00} in late fees on as a result of paying as we were originally assured we'd be able to pay. Because of this they are no longer accepting payments and we are in danger. We are and have been in contacts trying to resolve this issue pleading with them to extend the terms of our loans and refinance our mortgage however we've come in and nothing but conflict and resistance forcing us to even higher levels of mortgage payment.
Consumer complaint received 2023-11-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: ALLY FINANCIAL INC. (NJ)

I have been with Ally since XX/XX/2023 and before I was with Ollo credit card services. I have never missed one payment nor was late with Ollo. Ally takes over and since XXXX I have had late payments every month. I have auto pay scheduled how is that even possible? I call in after I get a text that my payment is late and I am thinking I am set up for auto pay there must be a mistake. I call Ally and they tell me they see the auto pay but it is not making it to process. How is that my fault? I have had the same checking account same system for years. They do not know themselves. Well XX/XX/XXXX I get a text message that my payment is again late and I call in and with the rep she and I both look and see the auto pay is set up she apologizes and gets a man who is supposed to be escalations supervisor but does not have the authority to credit the late fee because Ally has already credited 2 of the late fees and it has to be approved by a special department. He did not offer to even see why the payments were not making it to process but he as well did see the auto payments coming out on the due date. I have had enough and this is not what I want to be late on my credit cards month after month and then have to ask for a return of a late fee that is not even my fault.
Consumer complaint received 2024-07-04
Product: Credit reporting 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)

Recently I looked at copy at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my undestanding that you Will investigate these item for me tu ensure accuracy. 
Here is the item I am asking you to verify as accurate. 
XXXX / XXXX XXXX
Consumer complaint received 2024-01-11
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: SUNRISE CREDIT SERVICES, INC (FL)

XXXX XXXX XXXX XXXX XXXX Account : XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above. Someone from the executive level needs to contact me asap before forwarding to my attorney for litigation.
Consumer complaint received 2021-08-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WINNPOINTE CORPORATION (CA)

While researching mortgage rates, I came across this advertisement that was misleading and deceptive. I've attached a picture of the ad to this complaint. I was ready to apply for the 1.5 % rate until I learned that the APR is 1.915 % when you see the small print. I understand federal law requires a mortgage lender to advertise the APR rate at the same font size of the rate and as you can see, the APR is much smaller. This is a deceptive practice and a violation of federal law. I've decided to take my business elsewhere. Thank you.
Consumer complaint received 2024-02-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Specialized Loan Servicing Holdings LLC (FL)

There was a Forbearance period ending XX/XX/2024. A payment was sent to XXXX  via bill payment as it is normally done. It was sent during the Forbearance plan.. It was scheduled the same method, Bank, account as it has always been done. XXXX rejected the payment. Per your XXXX  terms and conditions any paymwnt could be made during the Forbearance and the amount due would be reduced. XXXX decided to reject the account and make it XXXX  days due vs XXXX  days due. XXXX has XXXX the messages communication method. I have video proof. 
XXXX refused a Deferral. 
XXXX payments will be sent on XX/XX/XXXX and another one on on XX/XX/XXXX. Another payment on XX/XX/XXXX and another payment XXXX XXXXThis will make the account be caught up. 
XXXX  XXXX XXXX has provided proof it is exactly the same account the money always comes out of and exactly the same account of XXXX goes to. This demonstrates the bad faith, malice, predatory practices that XXXX has because it refused any payment during the Forbearance period. 
This is also XXXX XXXX. This is my primary home.

A full payment history with copies of all checks is requested.

A full note history is requested.

There is also a negative escrow on the account due to an insurance adjustment. A request for an escrow shortage spread is requested.
Consumer complaint received 2023-12-05
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelnet, Inc. (PA)

I submitted a complaint pertaining to a student loan I did not take out. The loan has transferred through multiple companies in a short time and it is currently held by XXXX. The complaint was submitted on XX/XX/2023 and their response was due on XX/XX/2023. I have received no response, and I am still receiving billing statements saying that the first payment is due on XX/XX/2023. I have worked hard to achieve a good credit score, and I fear that not making a payment on this loan I did not take out is going to impact my credit score. I am also a XXXX XXXX XXXX XXXX, and having unresolved debts negatively impacts my ability to get hired. I have been trying for XXXX months to get this issue resolved with no response whatsoever by this company. 

Original complaint ID : XXXX
Consumer complaint received 2024-07-03
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXXXXXX 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 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
Consumer complaint received 2024-01-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I filed several complaints with BofA in regards to my never receiving their debit card for my Edd benefits. Intially I was denied so I never followed up. I applied for welfare and they advised me to double check with BofA I did and they had approved XXXX claim, mind you its 2 years later. They had me refile 5 others : amounts {$19000.00}, {$9600.00}, {$1500.00}, {$1000.00} and {$300.00}. I filed these claims on XX/XX/XXXX. I was not provided any type of provisional credit until the day they completed their alleged so called investigations. XXXX XXXX  & XXXX That is when they posted all of the amounts but the larger one and the smallest. Ridiculous!! I NEVER received my card or any money back when i originally applied. If I had maybe i wouldnt have ended up living in a tent on the side of the freeway. Now to insult me like I am an XXXX and honestly they are doing the same to your company. Thinking Ill be happy w some of the money. They can with hold what is mine. They have put me through the wringer. My debit card is temporarily frozen everyday. Which means calling and verifying each transaction literally each and everyday, then there is the calls and hold times, wait times. 
Funny their documentation says they received and denied my claims on the very same. Its infuriating to be treated like an XXXX. 
In addition I still havent received the check for XXXX that they sent to the address that stole my original Edd bofa debit card. Why would you continually send things to address where I have and am telling you stole the tenants card? Strange if you ask me
Consumer complaint received 2024-01-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I am submitting this complaint against Bank of America, as an investor and bonafide purchaser, because I have submitted 2 registered securities to them as gifts to the U.S. Treasury to aid the public debt and to settle account. This first registered security was sent to on XX/XX/2023. The second security was sent to them on XX/XX/2023. They did not settle the account, nor did they send me the Securities back as per ucc1 3-603. They instead sent me 2 letters, stating that I am responsible for the debt. They are commiting securities fraud and are not reporting the taxes on this transaction as well as trading my securities on the secondary market.
Consumer complaint received 2024-07-04
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Shellpoint Partners, LLC (TX)

NEWREZ-SHELLPOINT! XXXX!! ARE CROOKS!!! XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/year>!!!!!! I've been trying to resolve this matter peacefully with this company, but no one has responded thus far. They are reporting information to the credit bureaus that's not mine. I did not open this account I didn't not signed loan documents. They've put this nonsense on my credit report and I would like this remove ASAP.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

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 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credence Resource Management, LLC (GA)

In accordance with the Fair Credit Reporting Act, the following accounts XXXX XXXX XXXX account number : XXXX CREDENCE RESOURCE MANAGEMENT account number : XXXX XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account number ( s ) : XXXX & XXXX XXXX XXXX  XXXX & XXXX XXXX has violated my rights. 15 USC 1681-602A states I have the right to privacy. 15USC 1681-604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I am not liable for these debts, I do not have a contract with these collections, and they did not provide me with the original contract as I requested. Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX  and Attorneys General Office and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate.