davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-26
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: SYNCHRONY FINANCIAL (AZ)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Arizona Laws Dear SYNCB/LOW, I am writing to address the blatant violation of my rights regarding the unauthorized reporting of information to my credit report. This action is in direct violation of the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-XXXX ( a ), the XXXX Revised Statutes under Sections 44-3301 and 44-3303, and identity fraud laws, specifically Arizona Revised Statutes Section 13-2003. 

It has unequivocally come to my attention that SYNCB/LOW has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, XXXX  state law, specifically Section 44-3301 of the XXXX Revised Statutes, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section 44-3303 of the XXXX Revised Statutes establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws, such as XXXX Revised Statutes Section 13-2003, underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for SYNCB/LOW to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that SYNCB/LOW immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 44-3301 and 44-3303 of the Arizona Revised Statutes. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Arizona state law, and identity fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that SYNCB/LOW will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2024-08-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: WELLS FARGO & COMPANY (CA)

I recently received a check for {$500.00} from Wells Fargo, accompanied by a brief note stating that a mistake had been made and that the enclosed amount was meant to " fix it. '' However, there was no further explanation or documentation provided to clarify the nature of the error or how it impacted my now closed/sold modified mortgage account. 

This is particularly concerning because the mortgage in question is closed and was previously modified. Why was this payment sent without any detailed information regarding the error?
Consumer complaint received 2024-05-14
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. (TX)

FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2400.00} Status Account charged off. {$2400.00} written off. {$2400.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$850.00} Status Closed. 

XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$670.00} Status Collection account. 

FCRA violations : inquires are not mine XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : not my names XXXX XXXX
Consumer complaint received 2024-08-25
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (NV)

Creditor Name : LVNV Funding LLC Amount Claimed : {$7400.00} Date Opened : XX/XX/year>2022 I have no knowledge of this company, nor have I had any debt in the past XXXX  years subject to my name. This company has fraudulently opened debt that is older than XXXX  years subject to XXXX  state limitations for debt collection, this company has also went to court and obtained fraudulent judgment on me which is illegal, I was not provided any evidence of their claims nor was I given proper documentation for representation I court since judgement was given without proof of evidence nor my presence or knowledge.
Consumer complaint received 2024-08-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

I've had multiple problems with Mohela as a loan service provider. They are transitioning direct federal loans to a new online platform. During this process they cut off access to my online account so that I couldn't make payments. Additionally, auto payment stopped working so my account was put into late payment but I was unable to make a payment.

I had to call their customer service number to find out that I had to make a new account on their new website ( mohela.studentaid.gov ). They never communicated this to me or even told me what the new website was prior to me calling.

Since then I've tried to set up autopayment multiple times. It has never worked. It has missed multiple payments without notifying me until the payment is late. This has happened three times now. I've tried calling them about this to see what the problem is only to be told that it was being blocked by my bank ( it wasn't, I checked ) or that something " hadn't been transitioned correctly '' and I'd need to re-enroll in autopayment. This is now the third time I've re-enrolled in their autopayment system which has not worked at all for the last 8 months. Additionally they over credited my account for an extra payment I never made. I tried to get them to correct this and at first they said it must have been a double payment due to autopayment! This was immediately after telling me that autopayment isn't working for some unknown reason and I'd need to re-enroll. Completely absurd.

This company is absolutely ridiculous. Completely incompetent at best. But I guess I'm a captive consumer since I have no choice about who administers these loans without reconsilicating and paying a higher interest rate. They have no incentive to give a XXXX so why would they?
Consumer complaint received 2024-08-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (NY)

Concerns Regarding Escrow Tax Payment Delays and Shellpoint Communication Practices I am submitting this complaint to raise serious concerns regarding the handling of property tax payments through the escrow account for my mortgage, which I share with a co-borrower. On XX/XX/year>, Shellpoint Mortgage Servicing sent an email to my co-borrower, informing them that the property taxes would be paid within XXXX to XXXX weeks of their due date. 

This email presents several issues : Delay in Tax Payment : The email indicates that Shellpoint will pay our property taxes up to XXXX weeks after their due date. This delay introduces the risk of penalties, interest charges, or other financial consequences, which could negatively affect us as borrowers. 

Unclear and Incomplete Information : The email provides an estimated payment amount but does not explain how this figure was calculated or why Shellpoint is uncertain about the final amount. 

Lack of Transparency and Consumer Guidance : The email does not clearly outline borrower rights in the event of late payments or errors. It also fails to provide regulatory contact information for escalation if a dispute arises. 
Actions I have taken include reviewing previous escrow statements and seeking clarification on whether prior tax payments have been made. The communication raises further doubts, as it conflicts with previous notices from Shellpoint.
Consumer complaint received 2024-07-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please delete the following fraudulent inquiries : 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 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 2024-07-01
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. (VA)

Please review, why until now these negative accounts are still here it's been a while since I've done this I have filed a complaint with the FTC for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter
Consumer complaint received 2024-08-19
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (FL)

1- I'm XXXX, I financed a used vehicle worth {$7000.00} with a {$2000.00} down payment and they financed a value of more than {$11000.00} contract in English where I didn't understand anything they placed insurance without informing me vehicle with problems where I had to fix them out of my pocket and there are still problems in the vehicle where I reported and I didn't get a response purchase date XX/XX/year> 2- they placed a payment due on an account without authorization and I canceled the debit via the bank app, this month of XXXX I paid on time via debit card on the app and they still debited another installment, that is, I paid XXXX installments and there are none in arrears, I sent them I sent several emails without a conclusive response and I was left with no money to buy food for my family as I never expected this abuse financial western funding account code XXXX
Consumer complaint received 2024-08-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (MI)

Chase banks continue to charge excessive banking fees to my consumer account. Since Chase Bank is FDIC insured they do not incur any loss so charging these excessive fees is essential extortion and impeding on my right to use the banking system they have acquired a license to do.
Consumer complaint received 2024-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (OK)

I applied for a Citi XXXX XXXX credit card in order to achieve a XXXX point sign up bonus after spending {$4000.00} in 3 months. I exceeded the required spending amount well before the 3 month threshold. The application was done through an advertisement on my Citi account member overview page. I fulfilled the requirements, but was not granted the bonus. I called to investigate and was told that I am not eligible for a bonus since I received a bonus for another Citi credit card ( not a XXXX XXXX ) within the last 48 months. I informed them that I did not see this information at any time during my application for the card, and I should not be advertised an offer through my own personal Citi login for which I am not eligible. Further review of the " fine print '' for a new application does NOT state any 48 month bonus eligibility period/restriction. They were unable or unwilling to provide the rewards points I earned, an equivalent value statement credit, or offer any other resolutions.
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: CITIBANK, N.A. (NY)

To remove the following that are fraudulent inquiries : XXXX XXXX XXXX XXXX ( XXXX ) THD/CBNA Every one of these inquiries are from a couple of years ago already not XXXX. They keep reoccurring on my XXXX account as hard inquiries.
Consumer complaint received 2024-08-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC. (TX)

Hello, On XX/XX/year> Robinhood closed my paid account with no notice or refund for the month 's subscription costs. They provided no explanation or appeals process. Since then they have repeatedly dismissed my concerns, closed support tickets inappropriately, and obstructed my efforts to report their conduct to their managers. They also failed to address my previous complaint, responding with empty copy that did not resolve any of the issues in the complaint. 

I want a report of what happened, why my account was closed, who authorized it, an appeal on the basis of there being no cause, and a refund of my subscription fee. 

Thank you.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I attempted to put a freeze on my credit report via normal customer login. Was unable. TransUnion required I set up a new account to do so. My username and password works. TransUnion is refusing my request by method of requiring a new consumer account when I already have a consumer account with TransUnion. 

This is not relevant but almost 40 years ago I had to sue TransUnion to take my mother 's name off my credit file as my wife. They have not gotten any better.
Consumer complaint received 2024-08-30
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: EQUIFAX, INC. (CA)

I did not get a response for the 605 ( b ) Blocking Request for the Fraudulent Accounts on my consumer credit report that was sent to credit bureaus over TWO MONTHS ago.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (IL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-08-22
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: FIRST PORTFOLIO SERVICING INC (TX)

So I have been sick with XXXX for the last several weeks, I recently received an email from First Access Credit Card Company because I was sick it allowed a lot of interest to accrue to my account and a ton of negative tradelines to report to my credit reports.

The email sent offered a settlement amount which in turn would close the account out, I refused the offer and went with the Hardship Program they offered which was a more better option for me. And I want to thank the Representative at First Access for making this possible and dedicating the upmost best customer service that I have seen in a quiet a long time this man deserves a promotion in my book. 

But again, I need additional help
Consumer complaint received 2023-03-06
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: Experian Information Solutions Inc. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-19
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelnet, Inc. (VA)

Dear Firstmark Services, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.
Consumer complaint received 2024-08-19
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: T.S. Holdings (FL)

I attempted to make a payment plan and the deb collector representative was rude and belligerent when I asked to make a payment plan. In a threatening manner he said and I quote you can make payment plans however by the XXXX of this month you have to pay the total amount. I tried to explain to him that I did not have the entire amount and he said that of I dont pay he will send my account to the credit bureau . If I am attempting to pay what I owe why be so rude and threatening to people. I am not saying I will not pay what I owe am just in a situation that I am not able to pay it all at this time. People with that attitude and unprofessional should not be working with the public. Specially when I spoke to the manager of XXXX XXXX and she stated I am able to make a payment plan.
Consumer complaint received 2018-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (AZ)

I paid for repair services from XXXXXXXX XXXX and 4 items were supposed to be DISPUTED from very beginning. I was given information that the collector has 60 days to respond then when I spoke to XXXX was told its 30 days. I stayed with company for more than 60 days with no response from any of these creditors. The accounts are 2 XXXX XXXX XXXX, 1 XXXX XXXX, 1 XXXX XXXX/XXXX XXXX. The 2 XXXX are a hospital and I've always had covered by access and should have never been billed. The other two were secured credit cards paid in full already with the deposit. I called and canceled the repair service because all the items disputed and recieved no response were not removed. I then called the creditors and they just reopened the accounts. I had to dispute directly with the debt collectors myself when that's the job of the repair unless they did not receive a response then they wouldn't need to. The debt collectors disagreed the reasons to take it off so the accounts stayed. The 4 are still  showing up and I need them removed to have nothing negative on my credit.
Consumer complaint received 2024-08-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Chime Financial Inc (CA)

I had a XXXX membership account and i was overcharged for more than the contract of 3 months commitment. I couldnt cancel due to not having phone number linked to account. I couldnt stop transactions. I had chargeback when first started in XX/XX/year>. And for XX/XX/year> for the double accounts. I still needed the rest of the illicit charges on my card. Included are the charges and the contact correspondence for the dispute claim and hoe many time I tried to get back into my chime bank account. 
Please help, XXXX has not responded with a human and ask incompetent questions when thy should have read what I was asking for instead of asking. If I needed help getting into my account. 
I've waited long enough, this has caused financial hardship and need to be reimbursed. 
Thank you