davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-09
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: EQUIFAX, INC. (FL)

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. 

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  has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 information is inaccurate.
Consumer complaint received 2023-09-28
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC (NY)

Lexington Law charged me a subscription fee of {$60.00} a month for 2 years promised me results but i never received any results tried to contact them it was very hard to reach someone and when I did, they would just hang up on me.
Consumer complaint received 2024-07-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY (TN)

Wells Fargo XXXX Bank sold my note as a security on my XXXX form it doesn't show that I owe Wells Fargo for a debt Wells Fargo foreclosed on my home after stringing me along saying they will be working with me to give me all the information that I need showing proof that they did not give me the loan that my signature is self is what gave me the loan because they are a bank and they do not give loans I have attached an affidavit because Wells Fargo after telling me they will work with me and while in the midst of working with me they went ahead and foreclosed on my home send me a letter XXXX weeks later saying that they are sorry about the inconvenience and they had already foreclosed on the home without giving me proper information or giving me proper time to get what I needed
Consumer complaint received 2023-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account. I have consistently made timely payments in the past, and it is unfair for me to be penalized for something that is not my fault.
Consumer complaint received 2022-10-29
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: Experian Information Solutions Inc. (SC)

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX, Equifax and XXXX inaccurately reported hard inquiries on my credit report. 

Remove the following hard inquiries from my XXXX, Equifax and XXXX credit reports immediately! 

The hard inquiries below were reported as soft pull inquires that I do not recognize and XXXX, Equifax and XXXX inaccurately posted them on my credit report as hard inquiries that are not mine. 

Soft pull inquiry errors, inaccurately reported as Hard Pull inquiries that i do not recognize, that must be deleted - 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  Cc : FTC Report # XXXX Cc : Attorney Generals office Cc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Consumer Financial Protection Bureau Also, see uploaded screenshots/ document. Please provide proof of my signature, giving permission for any inquiries to be posted to my credit report for the dates above. If you can not provide my signature as proof of verification and validation, giving permission, then the above inquiries must be removed immediately. Or I reserve the right to sue under the Fair Credit Reporting Act and Metro 2 Deletion of soft pull inquiries inaccurately reported as hard inquires that I do not recognize.
Consumer complaint received 2023-09-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (IL)

I recently checked my credit report and noticed Wakefield & Associates is attempting and trying to get me to pay {$1200.00} to them. 

I dont know this company or never did business with this company.This companies doesnt have any proof or written signature of mine to validate this debt saying I owe them.
Consumer complaint received 2024-03-10
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. (TX)

You have committed a Trespass by way of an Invasion of Privacy, Material Misrepresentation, Fraud, Unauthorized Use, Negligence, and Identity Theft pursuant to 15 USC 1681a ( q ) ( 3 ) and, Texas Business and Commerce Code Sec. 521.051. You are a consumer reporting agency as defined by the Fair Credit Reporting Act, " FCRA '', and a financial institution, and a nonaffiliated third party as defined by the Gramm-Leach-Bliley Act, " GLBA '', who obtained, used, and furnished my nonpublic personal information, personal identifying information, and identifying information without my consent pursuant to 15 USC 6801, Texas Business and Commerce Code Sec . 521.002, and Texas Penal Code Sec. 32.51.
Consumer complaint received 2023-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (AL)

I went to XXXX to deposit money into my chime bank account since it was free. I deposited {$330.00}. That was in XX/XX/XXXX at XXXX. As i drove home, i got a notification from chime. I assumed it was to tell me that my funds were deposited. Once i got home, i took a closer look at the notification. It stated that {$320.00} was sent via XXXX XXXX and my new balance was {$12.00}. It was very upset. I didnt make that transaction. Since it was Friday, i knew it would be Monday before i could start my dispute with them. On Sunday night, XX/XX/XXXX, i called chime because the transaction was posted. Upon calling and verifying my identity, they started by dispute and issued me another card. They told me to be on lookout for the decion via email and gave me step by step on how to upload my documents to support my claim on the app. I did just that. On Wednesday, XX/XX/XXXX at XXXX XXXX  i received a email from chime stating they were denying my claim and saw no error. I called them to make a rebuttal. On that same day, atXXXX XXXXXXXX  they sent me another email stating my claim was again denied. I called them again to get it escalated. They said someone would email me at the end of the day and i can speak to them about my concerns. I never received the email. I called again on XX/XX/XXXX. and got the same thing. Someone would email me, no problem. I never got the email. I contacted XXXX on XX/XX/XXXX at XXXX XXXX  to be on the safe side to mabe see if they could track it by the amount or something. I was desperate. They couldnt do it that way and they stated because XXXX XXXX is an authorized payment service ( using XXXX XXXX  ), they couldnt do anything anyway. That same day i tried to do another rebuttal with Chime. I updated the information and sent it to the claims team. I was again denied at XXXX.
Consumer complaint received 2023-07-06
Product: Credit card or prepaid 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: Bread Financial Holdings, Inc. (WA)

I had a XXXX credit card through Comenity Bank. I always paid my card in full and on time. I paid my final balance and closed the card on XX/XX/2020. Last spring, I got a phone call from Comenity Bank asking why I was delinquent on my payments. While talking with the customer service rep, I discovered a charge had been put through on my canceled card. I have called the company numerous times and talked to many people. Some are helpful, others are verbally abusive and have accused me of attempting to defraud the company. I have waited hours on hold, only to told the problem has been handled, or to be disconnected. 
I wrote them a letter trying to resolve this issue. The response was to call them at the same number I've been dialing for over a year! 
Today I got an email from XXXX, who just bought my " debt ''. I am furious and making good on the threat to contact your bureau if Comenity didn't resolve this. 
I'm sending a copy of a statement they sent me, a copy of the letter I sent them, and information about the " debt '' they sent to collections. Since the account was closed nearly 3 years ago, I no longer have my account number.
Consumer complaint received 2023-04-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (TX)

My mortgage was bought in XX/XX/XXXX. The new lender increased my payments {$300.00} a month. They sent a letter on XX/XX/XXXX stating when my mortgage was transferred to them the escrow was negative {$3400.00}. I spoke to previous lender XX/XX/XXXX and they stated that is not true. When my account was transferred it was showing {$630.00}. I spoke to previous lender XX/XX/XXXX and requested my payment history for the entire length of them having my account. I have not received that yet. I also spoke to current lender same day and told them the previous lender messed up my account and they didnt even pay my XXXX taxes till XXXX XXXX XXXXXXXX. I had to audit my own account every year. They will not contact the previous lender to sort this out. Told them if they did the math, add up the escrow I paid every month and add up the taxes and insurance they would see the previous lender made a mistake somewhere. But they will not do that and changed my monthly payment from {$1200.00} to {$1500.00}. They will not do anything to find the mistake. I have made every payment in the full amount and on time. I have excellent credit. I feel like they are double charging me. Since I have paid everything how is it short? Add up my payments and its more than enough to cover taxes and insurance. So why am I being double charged?
Consumer complaint received 2022-10-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Before I started, I would like to let you know that this is my first complaint and I'm not using any third party for this matter, I represent myself by myself. 
It is my sworn statement that, I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621.

The trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these account without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 
In accordance with the Fair Credit Reporting act. The List of account bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX  XXXX 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 US.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681 c. ( 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 crime which antedates the record by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person known or reasonable cause to believe that the information is inaccurate. 
Please note, that account has been posted only by Transunion Credit Bureau, I have obtained my report from all XXXX Credit Bureau, XXXX and XXXX has removed this fraud account from my report, but Transunion keep posting and completely neglecting my rights. HOW THEY CAN saying to me VERIFIED OR VALID OR UPDATED WHILE OTHERS AFTER RECIVING MY PROOF OF STATMENT HAVE BEEN DELETED THAT ACCOUNT IMMEDIATELY.
Consumer complaint received 2023-06-15
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: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

On XX/XX/XXXX I was notified from my employers legal team that they were served with legal documentation of a wage garnishment from Portfolio Recovery Associates. That same day, I conducted a search of my name on the Maryland Judiciary Case search and saw that there is a judgement against me with Portfolio Recovery Associates. As I was reading the judgment, I saw that a hearing was scheduled on XX/XX/XXXX. I was not notified of the hearing, I had no clue that I was being sued. I didn't found out about this until my employers legal team emailed me on XX/XX/XXXX. On XX/XX/XXXX, I contacted Portfolio Recovery Associates to obtain documentation of the debt that I owed Portfolio Recovery Associates. The representative that I spoke to stated that my account with Portfolio Recovery was closed because legal action has been taken and there is an active wage garnishment. The representative then transferred me to their manager because I wanted documentation that I owed Portfolio Recovery Associates and why is this company suing me. The representative stated that my account is closed because there is an active wage garnishment and can not provide the documentation. I contacted Portfolio Recovery Associates via telephone every weekday from XX/XX/XXXX - XX/XX/XXXX and received the same answer from each representative " Your account with Portfolio Recovery Associates is closed because legal action has been taken and there is an active wage garnishment, we can not provide additional information or documentation. '' I did not know I had an account with this company nor owed them any money. Today, XX/XX/XXXX I received an email from my employers payroll office stating that my wages will now be garnished, 25 % of my disposable income starting XX/XX/XXXX.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2021-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Due to me being a victim of identity theft I spoke with XXXX at XXXX  on XX/XX/XXXX, and XXXX at Transunion on XX/XX/XXXX about the unauthorized account that appears on my credit report I request the following account to be delete and removed off my XXXX  credit report and Transunion Credit report : " XXXX XXXX XXXX '' Open Date XX/XX/XXXX Amount {$300.00} Account XXXX .Doing the trouble sometime when acquiring funds to sustain everyday life is crucial, This unauthorized account has severely hindered me I am requesting that the above unauthorized account be removed immediately from my XXXX credit report, and my Transunion credit report due to my identity been stolen.
Consumer complaint received 2023-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOUTHSTATE CORPORATION (MD)

On XX/XX/, I received a paper payroll check in the amount of {$870.00} from XXXX XXXX XXXX XXXX ( XXXX XXXX  ). On that same day, I used mobile deposit to deposit the check into my bank ( South State Bank ). After the check was deposited, I discarded it in the trash without shredding it. 

Somewhere in between, someone took the check out of the trash, washed the check, and cashed it at XXXX XXXX  XXXX XXXX. 

On XX/XX/, XXXX XXXX  XXXX XXXX presented the check to my bank ( South State Bank ), and the funds were removed from my account. 

First, I called my bank. They explained what happened and advised me to call the XXXX XXXX  XXXX XXXX to dispute the cashing of the check. XXXX XXXX  told me to call my payroll to start a dispute. 

XXXX XXXX  ( my employer 's payroll ) said they could not file a dispute because they only have a record of my mobile deposit and advised me to call my bank to file a dispute. 

South State said they can not file a dispute because they do not have a physical copy of the check. 

No further advice has been given.
Consumer complaint received 2023-09-28
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (CT)

I purchased furniture from Ashley furniture store in XXXX of XXXX for {$4200.00}. The XXXX and XXXX at the time convinced me to purchase the furniture by taking out a line of credit with 0 % apr which was on promotion from Synchrony. I informed them several times I did not want a credit card, and was assured that this was not a credit card. I signed the paper work for this promotion, and a few weeks later I received a credit card in the mail... I was angry, but it was not worth fighting at the time, given it was still 0 % interest. 

2.5 years later, On XX/XX/XXXX, I looked at my account expecting to see that I owed less than {$1000.00}. What I found instead was that my balance was {$4000.00} with {$3100.00} payed in interest! According to them, they had deferred all my payments to interest and said that I was notified via my statements. For 2.5 years I payed my bill with autopay setup, which they apparently set for less money than what was required to meet their requirements for deferred interest. Its a scam, and they used deceitful and confusing tactics. The last 6 months I payed {$900.00} with XXXX going straight to interest! And I was unaware! 

My receipt first page states that I signed up for synchrony XXXX XXXX XXXX payments, which I assume mean XXXX XXXX XXXX  payments, however that is not what I got. My first few statements were steady, then drastically dropped off each month. Again, another tactic to make me miss the XXXX XXXX mark ( which I was unaware of ). On the second page of my receipt, the salesman wrote that I had Synchrony for 12 months. I think he got lost in his own deceit. To further add to this deceit, I have no documentation of the " loan '' /credit card itself. Nothing explaining this apparent XXXX XXXX deferred interest promotion. My account on the Synchrony website also has no documentation or explanation of the terms of this account. With no available documentation, how can this be legal!?!?! 

I spoke to countless Synchrony customer support specialists, and worked my way to the final person. Explaining the situation to each one. Each and everyone said I was wrong, and owed them the money regardless of what I was told. They said all that mattered was what I signed and I owed them an additional {$4000.00} regardless of what I said or who I talked to. 

I immediately paid the balance to prevent any further interest charges, but still feel like I am owed all of that interest back, {$3100.00}!
Consumer complaint received 2018-04-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (OH)

Back in XX/XX/2017, I was in talks with LoanDepot for a refinance option that I ultimately decided to not go with. As part of that refinance negotiations, I got the attached appraisal report done by XXXX XXXX XXXX via LoanDepot. I am not disputing the amount on the appraisal report but there are mistakes on the report that the appraiser should correct and provide a corrected report. The most prominent mistake says that my home has a partial basement even though it is clear from both the photographs and the County Auditor 's website that my basement is a full basement : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, the report fails to acknowledge the fact that my house does have the following appliances : dishwasher, disposal, microwave and washer/dryer. The pictures in the appraisal report show that I have those appliances. I raised this issue with LoanDepot earlier as well but they didn't take any action. I request LoanDepot to ask the appraiser to provide a correct report as I paid for the report. I tried contacting the appraiser directly but they asked me to go through LoanDepot as they are the customer for the appraiser and not me. Please resolve this ASAP as I need the appraisal report for other purpose.
Consumer complaint received 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hindering my file. ive noticed alot of errors an this needs to be resolved asap. please review an remove all invalid item to clear my file. this is my XXXX attempt an no updates have been shown. please delete all infromattion asap.