davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-07
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 (CA)

I subscribe to a credit monitoring service ( XXXX ), and on or about XX/XX/2024, I was notified by XXXX that my credit file was pulled for Synchrony Bank XXXX XXXX store card. 

I called Synchrony Bank XXXX XXXX customer service to say I did not apply for this card. The representative said they would cancel the application and delete the inquiry from my XXXX. 

It is XXXX months later ( XX/XX/2024 ) and the application is STILL active and the hard inquiry has not been removed from my credit file.
Consumer complaint received 2024-06-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TOYOTA MOTOR CREDIT CORPORATION (UT)

toyota finance reported to the credit bureau that i owe them {$13000.00} i called toyota and asked them to provide the contract bteween me and them stated the i owe them {$13000.00} all i got from toyota finance is the runaround
Consumer complaint received 2024-08-23
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: SN SERVICING CORPORATION (NY)

Received loan modification from XXXX XXXX  on XX/XX/XXXX, for payments monthly of {$1300.00}. Ive been making those monthly payments until XX/XX/XXXX. I was told in XXXX from XXXX XXXX of SN Servicing that I my payments were supposed to be going to SN servicing and not XXXX XXXX. Although I wasn't able to confirm this with XXXX  ( I tried a few times to contact XXXX  ), I started to send my payments to SN Servicing. 
From the moment SN took over my mortgage, they claimed I was months behind on my payments, and then XXXX started with his harassments. I was making monthly payments now of {$2000.00} and XXXX claimed he never received the funds, even though the money was taken out of my account. 
I now received a foreclosure notice on my primary and only home, and I don't know how to deal with this. SN has sent the foreclosure notice to my father in laws house last night at XXXX XXXX. The person showed up in my bedroom to deliver these documents. when I threw him out he cursed and threatened me.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

I attempted to place a credit freeze online but was unable to do so. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ) NAME : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (GA)

CCS Collections I am writing to dispute the accuracy of information provided to you by CCS Collections regarding my account with the original creditor, XXXX XXXX XXXX XXXX. This dispute is filed under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), which mandates the correction or deletion of any information found to be inaccurate or incomplete.
Consumer complaint received 2024-06-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

Today XX/XX/24 chase closed my bank account without notice or reason. When I called to inquire about this closure they refused to tell me why saying its confidential yet this is my money and my information tied to this account. I have XXXX in the bank that I cant use to pay any of my bills now Im going to be late on rent and phone and no groceries until they send me a check for my funds in the account.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX : {$35000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$6000.00} XXXX FIN XXXX Balance : {$0.00}
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.
Consumer complaint received 2024-06-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (NV)

Wells Fargo : XXXX loan, checking account closed without my knowledge, fees, higher interest rates, XXXX payments not applied correctly to loan. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (NV)

No dates and amounts. Too many times over the years. I have had my balance in the negative due to fees, which made my other payments get rejected and returned, causing me more fees. 

I also had a checking account ending in XXXX closed without my permission. I tried to find my exact account number that was closed but can not.
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2022, I spoke with XXXX from XXXX XXXX. I was informed my vehicle was in repossession status and I had three options. 1. To refinance my loan 2. Sell the vehicle 3. Allow XXXX to repossess the vechicle. I knew with allowing XXXX to repossess the Vehicle that my credit score would be severely impacted. So, I applied to refinance my loan which due to XXXX  and the lack of work, my credit score was not in any shape for refinancing. Extremely overwhelmed, I called XXXX back the next day to work out a settlement deal that was more feasible for me. I only owed XXXX XXXX on my vehicle and knew there could be a payoff request I could make. XXXX offered to drop the amount to {$9300.00} and once payment was received by XXXX, XXXX agreed to settled the account. XXXX also agreed to send me a letter for the credit bureaus noting the account was paid in full, the account was in good standing and to remove any negative impact in which the account currently had off my credit reports. I received the letter from XXXX dated XX/XX/, which did not state the removal from my credit report. The letter I received stated nothing close to what was agreed upon. XXXX received my payment as promised and failed to comply with their agreement. Due to XXXX failing to comply with the agreement, it has been detrimental to my livelihood, causing me enormous levels of stress due to my credit report having such a large delinquent on it from XXXX. I have made several attempts to resolve this matter with XXXX but to no avail has it been rectified. XXXX  received payment as promise once we agreed to settle.
Consumer complaint received 2024-06-07
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: Avant Holding Company, Inc. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Avant LLC/Web Bank XXXX XXXX XXXX XXXX XXXX, NM XXXX XX/XX/2024 Re : Account number : XXXX I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with your company for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 
Unfortunately, 2 years ago, I was in a financial dilemma due to job loss and XXXX XXXX XXXX. As a result some of my payments to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I paid those payments 30 days late on XXXX occasions over a nine-month period but I made sure to fulfill my obligation to ensure that your company suffered no loss. 
I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those XXXX late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 
This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a XXXX XXXX XXXX XXXX XXXX and fax it to the credit bureaus to remove those entries. 
The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I beg that you XXXX help me and take into consideration how good of a customer I have been and how long I have had an account with you. 
Thank you for your consideration, and I hope youll approve my request. 

Best, XXXX XXXX
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My account with TRANSUNION was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2024-06-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I opened a savings account with XXXX XXXX XXXX on XX/XX/year> and I got an email stating that my account was opened successfully. I wanted to open a separate savings account apart from my XXXX XXXX account. I entered my routing and account number so that I could transfer {$XXXX} into the savings account. Well once I entered my account and routing number they said the transaction failed and would not let me even log into my account for online banking. Then this morning I noticed that XXXX XXXX had notified me that XXXX XXXX XXXX  had withdrawn {$XXXX} from my account - XXXX days later ( XX/XX/year> ) and then when I tried logging into my XXXX XXXX XXXX  account they said it was closed. This is extremely deceptive and fraudulent behavior on their part for waiting to take out the {$XXXX} from my XXXX XXXX checking account - which by the way went into XXXX for this bank taking out the money. Not only is my account closed but it also is saying that they can not locate an account with my username and password when I try to login online - and then when i try to log in on my phone it says " As a part of XXXX XXXX XXXX 's proactive monitoring, we have observed a potential risk related to your account. For your protection, we have locked your access as a precaution and require you to reset your password. XXXX XXXX. They took the {$XXXX} out of my account and are not even giving me a way to reset my password. Also I have no idea what " potential risk '' they could of found since I apparently just opened the account on XX/XX/year> - was not even able to log on and they still took my {$XXXX} and not only locked me out of my account but apparently when I try to log on to my account on my computer it says " the information you have entered does not match our records. you have a few more tries remaining. please try again or click " forgot XXXX. '' and then when i click on forgot ID/password it says " based on the information you have provided, our records show you are not enrolled ''. SO not only did they take {$XXXX} out of my account XXXX days later, lock me out of my account, but they are also apparently lying thieves that state I am not enrolled in their bank. Please help me get my money back and thoroughly investigate the practices of this bank - I have NEVER had any issues with other banks that are remotely this concerning.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NE)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Adjusters, LLC (CA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-06-06
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (CA)

n accordance with the Federal Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. NATIONAL CREDIT ADJUSTERS LLC. I looked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. According to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-06
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (MS)

This collection agency is reporting fraudulent inaccurate information on my credit report. Under the FCRA, I am exercising my rights to request full validation of the alleged debt but they failed to do so. I need this account removed immediately.
Consumer complaint received 2024-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I am currently on XXXX  XXXX  my funds have been deposited on the account that Ive had since starting the job. The bank stated that no recurring funds were coming to my account because its been closed since XXXX was able to go to the account they said had been closed and see that recurring checks had been deposited since XXXX of XXXX. I visited the bank and they again stated there were no deposits in that account stating again it had been closed since XXXX so I at that time showed the bank that in fact there are now recurring payments well the manager perceived to tell me that it was the responsibility for me to inform my job to redirect them to a new account. My question then to her was I wasnt aware of the account being closed until I requested they send me the proof I received a letter dated XXXX XXXX and I asked if the account was closed in XXXX why when they received the first deposit in form my job not to send the checks because the account was closed. Also last week I received an email from an attorney who asked if I wanted to join a class action lawsuit with this company for charges like overdrafts and other, I filed out the forms for this class action lawsuit but this law firm text me and stated they would need my account number for this claim so I sent it to him but I did not tell them the account was closed. I downloaded the contents of what I signed up for but a few days later I started getting suspicious and tried to pull the information about this claim but this site wasnt secure so I had no idea of who sent the claim to me but I would like if you can find out who it is. Thanks you
Consumer complaint received 2023-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (VA)

After Navient threatened legal action. I paid them XXXX as agreed to avoid a legal judgment. Two days after I paid the account it seems Navient or their representative reopened the closed account. This meant the status on the account changed from charged off and delinquent for 120 days to bad debt/collections. It could have been reported as charged off/paid. Or anything that represented that they now considered the account closed as they had received my payment. Navient 's website acknowledges the payment. Their counsel acknowledges the payment but they failed to report it.
Consumer complaint received 2024-06-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (IL)

I am unaware of this debt ; I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you think I received proper notification, send me a copy of the certified letter that was sent to me with my signature.
Consumer complaint received 2024-06-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/year> my XXXX trading account XXXX was hacked into and compromised, someone unknown was able to send a total amount of {$3100.00} to an unknown address I am not aware of. 
I contacted XXXX right away and the customer rep decided to close down my account due to my account being hacked. I also contacted my bank, Wells Fargo, and attempted to file a dispute. I was given a provisional credit however I received a letter in the mail on XX/XX/year> claiming that they requested information from me however I never heard anything from them at all and decided to base the decision of deducting the credit from my account. I do not agree with this decision as I have been a victim of a fraud and would like to appeal this decision.