davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (MO)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 the informationisinaccurate.
Consumer complaint received 2024-05-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (GA)

XX/XX/XXXX - I logged into my online account with Shellpoint Mortgage and followed the instructions for uploading a supplemental property tax invoice in the amount of {$1000.00}. This invoice was generated by XXXX XXXX XXXX XXXX after I settled a value appeal with them. The invoice was for the balance due for XXXX and the payment was due XX/XX/XXXX. I have an escrow account with Shellpoint Mortgage for Shellpoint to pay my property tax and insurance. As of XX/XX/XXXX my available escrow balance over {$6400.00} ( well above the tax invoice due ). 

XX/XX/XXXX - I logged into my online account with Shellpoint Mortgage and initiated an online chat with a representative. I expressed concern that my property tax invoice had not yet been paid. The representative informed me that my uploaded invoice was received on XX/XX/XXXX and that the concern would be promptly handled. 

XX/XX/XXXX - I emailed Shellpoint Mortgage at XXXX and expressed concern that my property tax invoice had not yet been paid. I did this in addition to the chat because I was unable to print the chat text and didn't fee confident the situation had been handled. I did not receive an email response from Shellpoint. 

XX/XX/XXXX - I called Shellpoint Mortgage and listened to an automated message indicating that my concern would be addressed in XX/XX/XXXX. This is well after my property tax invoice due date of XX/XX/XXXX. I then spoke with a representative in the property tax department who confirmed Shellpoint received my uploaded invoice on XX/XX/XXXX. The representative indicated the bill would be paid, but indicated they were unsure if Shellpoint was responsible for any late fees. I explained Shellpoint is 100 % responsible for any late fees/interest/other charges due if the invoice was not paid on time. 

XX/XX/XXXX - I confirmed on the XXXX XXXX XXXX XXXX 's website that my property tax has not been paid from my escrow account by Shellpoint Mortgage. The bill is now late and XXXX XXXX has begun charging interest for the unpaid balance.
Consumer complaint received 2024-05-07
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Shellpoint Partners, LLC (AR)

The loan was paid off in full on XX/XX/XXXX of XXXX. After not receiving escrow funds remaining as a refund after 20 business days I have repeatedly emailed and called mortgage company to request those funds be returned to me. The mortgage company made claims of having sent a check with no tracking number or ability to ensure delivery. On XX/XX/XXXX representatives of the mortgage company claimed they were issuing an ACH transferred to my bank account. That money was never received. I have documentation as proof of my repeated requests and their delays or vague answers on when the money would be returned to me. 

As of the state, I still have not received my refund which totals {$3500.00}. Not a small amount for a retiree on Social Security.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc (TX)

As per the Fair Credit Reporting Act ( 15 USC 1681, section 602a ), it's crucial to ensure that consumer reporting agencies uphold their duties with fairness, impartiality, and respect for consumers ' privacy rights. XXXX and XXXX, being consumer reporting agencies, must adhere to these principles. As a consumer, I assert my right to safeguard my private information, as reinforced by 15 USC 6801, which emphasizes financial institutions ' obligation to respect customer privacy.

According to 15 USC 1681, section 604a ( 2 ), consumer reporting agencies may only furnish consumer reports with the explicit, written consent of the concerned consumer. Neither the financial institution nor XXXX and XXXX have obtained my consent to share this information, revoking any implied or otherwise assumed consent. Moreover, 15 USC 6802 ( b ) ( c ) dictates that financial institutions must inform consumers of their right to opt out of information disclosure to third parties, a requirement not fulfilled in this case.

Furthermore, 15 USC 1681C ( a ) ( 5 ) strictly prohibits consumer reporting agencies from including adverse information in consumer reports without authorization, which is being violated here. The account name, AFFIRM INC, with the account status of paid and closed, is being reported without my consent, which is against the law. Additionally, under 15 U.S. Code 1681s2 ( A ) ( 1 ) and 15 U.S. Code 1681e, XXXX and XXXX are obligated to maintain accurate information and reasonable procedures to prevent violations, which they are failing to do. 

In accordance with 12 CFR 1016.7, I hereby exercise my right to opt out of your reporting services.
Consumer complaint received 2024-05-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: OPTUM BANK, INC. (NY)

I opened this HSA through my employer and started having money deposited directly from my paycheck effective XX/XX/XXXX. I have not been able to access my account online at all to manage my money or change my investments, so my money is currently sitting uninvested. I get the same error message on their website saying that their service is temporarily unavailable and that I should contact customer service. I tried speaking with customer service more than 3 times and I have 3 different reference numbers from calls that ended with no resolution. The customer service agents walked me through multiple troubleshooting steps ( clearing cache & cookies, using different device, using different WiFi network, updating XXXX XXXX ID password, using their app, etc. ) and I did them all multiple times with no change in the error message. 

These are the ( approximate ) dates and the reference numbers : XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX The last agent that I spoke to on XX/XX/XXXX told me that somebody from the help desk would be reaching out to me with more information but nobody has. At this point I would rather move my money out of Optum to a different HSA but the agent told me that they will not waive the transfer fees, even though I have no access to this account.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SANTANDER HOLDINGS USA, INC. (FL)

i have sent in numerous letters asking for these items to be removed off my credit report due to reporting violations FCRA VIOLATIONS FDCPA VIOLATIONS XXXX XXXX XXXX XXXX XXXX XXXX SANTANDER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P. (TX)

I have sent this company a cease adhere this company has refused to adhere to the federal guidelines by ignoring my request in my attempts to resolve this matter the company is not legally bonded and or insured to collect in the state of TEXAS. please have this company cease all collection activities this my last attempt to complain outside of court.
Consumer complaint received 2024-05-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Collection Bureau, Inc. (TX)

I am writing to bring attention to a concerning matter regarding my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2024-05-10
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: CAVALRY INVESTMENTS, LLC (SC)

I am disputing the account with Calvary Portfolio Services, account number XXXX, which has been reported on my credit report. I have taken several actions to resolve this matter, including : Contacting Calvary Portfolio Services by phone and mail to request verification of the account information and the purchase agreement showing full ownership of the account. 
Sending a certified letter to Calvary Portfolio Services, exercising my rights under the Fair Credit Reporting Act ( FCRA ) Section 605B, which requires creditors to provide proof of the debt 's validity. 
Despite my efforts, I have not received any verification from Calvary Portfolio Services. As such, I believe this account does not belong to me, and it should be removed from my credit report immediately. 
This account 's presence on my credit report has prevented me from applying for a mortgage to purchase a home for myself and my children, leaving us homeless.
Consumer complaint received 2024-05-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (IL)

XXXX calls : XX/XX/XXXX XXXX am Hello, my name is XXXX with XXXXXXXX XXXX and I am calling to get the name and number of the attorney respresenting you regarding XXXX XXXX I have different options available. My phone number is XXXX Please press option XXXX to enter my direct extension XXXX I will be in the office today until XXXX p.m. central standard time. XX/XX/XXXX XXXX am : Hello, my name is XXXX with XXXX XXXX  and I'm trying to get a message to XXXX XXXX regarding business with XXXX XXXX. I was hoping that you could forward this message and let them know that I am trying to reach them and I have different options available. My phone number is XXXX Please press option XXXX to enter my direct extension XXXX I will be in the office today until XXXX p.m. XXXX XXXX XXXX DIED XX/XX/XXXX and I divorced him in XXXX. I am NOT associated with him, nor his depts, nor his continued crimes.
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2023-04-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (GA)

I was scammed out of XXXX by this individual named XXXX XXXX I was dumb enough to let him use my card information to cash checks in my account knowing something was off but I had no knowledge of what he was doing whatsoever it happened XX/XX/2023.
Consumer complaint received 2023-05-29
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: ID Analytics, Inc. (CA)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, has violated my rights. 15 U.S. Code 1681 section 602 A States I have the right to privacy. 15 U.S. Code 1681 section 604 A Section 2 : States a Consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2024-05-10
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (LA)

Last fall my Citi Credit Card was locked due to some " fraud '' they noticed on the account. I never saw any proof of fraudulent charges because I could no longer log into the account online to view the transactions. I've never seen an online account get locked also with the card. 

Anyway, I ended up getting a new card issued which required me to set up a new online account - something I've never had to do with XXXX or any other reputable credit card company. 

I am diligent about paying cards on time and using rewards programs. One of the main reasons I have this card is for its 5 % rewards on its highest category. 

After finally logging in, I see I have {$31.00} in rewards from last fall and have been unable to redeem them for a statement credit or for cash. It gives me this error : " We've experienced a system error. Please try again or select a different redemption option like statement credit, gift card or Shop with Points. '' I've called and asked for help- they just blame that there's some investigation going on for the fraud and that's why I can't redeem the points. None of the rewards dollars are associated with the " fraud '' but they also don't show me what the fraud was on the site. 

Either way, in this economy, them sitting on {$31.00} that is owed to me for greater than six months as part of the rewards program just seems dishonest. If there is a fraudulent purchase within that rewards amount, they should be able to easily adjust the amount owed to me and we can both move on with our lives. 

I don't want to use the credit card again until this is resolved because I fear I won't be able to accrue any rewards that I can cash in. They probably don't want me to use the card either because I pay on time and cash in on rewards. 

Thanks, XXXX XXXX
Consumer complaint received 2023-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE SER XX/XX/XXXX EQUIFAX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX EQUIFAX MORTGAGE SER  XX/XX/XXXX EQUIFAX MORTGAGE SERVI XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NC)

I was approved for Borrowers Defense against my College. 

I can't get anyone on the phone to answer ANY questions. Both Navient and the Dept of Education bounce any blame for the delays on my refund and the cancelation of my loans between each other.
Consumer complaint received 2024-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (HI)

I sent my sister in law $ XXXX {$240.00}, XXXX XXXX is alleging, they have no way to track or trace the amount. USAA has said for me to go back to XXXX XXXX to resolve the matter. I have, and they advised me to dispute it with my bank.
Consumer complaint received 2024-05-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC. (KY)

I am writing to dispute charges from Santander pertaining to a vehicle that was declared total and for which Gap insurance had paid it. 
On XX/XX/2023 my brother XXXX was driving his car on his way home which car I was a co-signer when the driver behind him accidentally hit him, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the car was totaled. 
Immediately, we, notified the Gap insurance provider, and the claim was processed and paid to Santander in full, covering the remaining balance of the loan. 
Despite the Gap insurance payment, we have been receiving unwarranted charges and notices from Santander, indicating outstanding amounts related to the vehicle. 
These charges are erroneous and contradict the terms of the Gap insurance policy, which specifically covers the shortfall between the vehicle 's value and the outstanding loan balance. 
We have attempted to resolve this matter directly with Santander through multiple calls and written correspondence, yet, the issue persists. 
The result is, that we were reported to all three credit bureaus for late payments but actually all the payments were on time until this accident occurred.
Consumer complaint received 2019-11-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bonneville Billing and Collections (ID)

I had an ex open a utility account in my name using my information. I have disputed this several times. I never had a written contractual agreement with XXXX XXXX XXXX. I have disputed this account through the credit bureaus multiple times. I have letters from a room mate that states I was living in a completely different residence at the time the power account was opened somewhere else. I want this debt collection agency to cease all attempts to collect on this fraudulent account. As well as to discontinue reporting to all 3 major credit bureaus.
Consumer complaint received 2024-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (AZ)

Chime didn't give me any of my money I was owed to me {$15000.00} and fused to deposit it into my chime account and saying that it would not be deposited and never was a deposit that's what they said they stole {$15000.00} for me I want to sue them for my money
Consumer complaint received 2024-03-24
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. (IL)

I ask to see verify information of the inaccurate thats showing the wrong information on these accounts. They validated so many of my rights and its a lot inaccurates. They done skip months and also one of the account XXXX show nd no data how is that possible. XXXX account shows 30 30 90 days inaccurate.
Consumer complaint received 2023-11-01
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: ALLY FINANCIAL INC. (MN)

XX/XX/2023 XXXX XXXX XXXX XXXXXXXX XXXX {$97.00} Someone use my XXXX account to make a unauthorized charge, so I closed my XXXX account and called my credit card Ally Card. And they said i did the charge and they will not provide me with any proof of it. XXXX will not dispute it because I closed the account. Ally will not dispute it because it was done through XXXX so I have no recourse, I asked to be provide written proof of the change and received nothing but being hung up on and being called a liar. I closed my Ally Card and will not pay them anything. 

Ally Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-29
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: CORELOGIC INC (CA)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, has violated my rights. 
15 U.S. Code 1681 section 602 A States I have the right to privacy.

15 U.S. Code 1681 section 604 A Section 2 : States a Consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-12-29
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. (GA)

In accordance with the credit reporting act XXXX XXXX XXXX Account # XXXX has violated my rights. 

In accordance with the credit reporting act XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602A states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2, also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Prosper Marketplace, Inc. (NY)

The bank sent me a statement prior to the credit card. I was charged a {$39.00} fee on XX/XX/2022 before I activated the card. I did not have the opportunity to enroll in automatic payments to have the fee waived and did not activate the card until XX/XX/2022.