davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (FL)

I filed a complaint and they ignore me and they think they are above the law. Wells Fargo Has violated my rights the truth in lending Under regulations 523 ( a ) ( 6 ). A willful and malicious injury under Section 523 ( a ) ( 6 ) requires proof of a deliberate or intentional injury, not merely a deliberate or intentional act that leads to injury. Kawaauhau v. Geiger, 523 U.S. 57, 61 ( 1998 ).

As I understand the regulations ( 12 CFR 226.13 ( d ) ), I have the following rights : 1. The statute gives the consumer the right to dispute the claims 2. Your creditors are prohibited from issuing an adverse credit report to the credit reporting agencies while this matter is in dispute Wells Fargo posted a late payment on a closed account. See attached this violates my rights and it is a deliberate and intentional injury. When my rights is protected to the point when I have any items in dispute It cant be on my credit report until they prove they have a legitimate claim. Under the rules and regulations truth in lending they must be 100 % accurate in their reporting. 
Wells Fargo is {$4400.00} according to the letter they sent they have stated the balance {$4000.00}. Do you see anywhere in this letter balance is {$4400.00}? Read their validation letter Does the letter says XXXX high balance? Then it is incorrect! Remove it. 
That is factual error and according to the rules this must be deleted immediately. Furthermore, the late payment on a closed account is intentional malice behavior that indicate their slandering is malice and against the law. I hold you XXXX responsible to allowing this Malicious attack and you are an accomplice to this behavior See attached this is incorrect and not factual it lacks the 100 % accuracy and therefore you must remove immediately. late payment as I have enclosed their malicious slandering and I hold you XXXX responsible for my injury. For you have failed to obey the rules and caused me haram and damages As per the regulations ( 12 CFR 226.13 ( d ) ), I have the following rights : 1. The statute gives the consumer the right to dispute the claims 2. Your creditors are prohibited from issuing an adverse credit report to the credit reporting agencies while this matter is in dispute You must remove all negative and derogatory slandering from my report until it is validate it. Till then you MUST REMOVE ALL IN DISPUTE OF MY REPORT.
Consumer complaint received 2022-10-27
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. (MO)

Going by the FAIR CREDIT REPORTING ACT, the list of accounts below VIOLATED by 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  15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681C ( A ) ( 5 ) 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 7 years 15 USC 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 2022-03-23
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (TX)

Payment of {$320.00} was sent on XX/XX/2022 through USPS and was traveling from XXXX, Texas to XXXX, Texas. Company did not process payment till XX/XX/2022 which incurred a late fee assessed on XX/XX/2022. Enough time was given to send payment through USPS going XXXX miles within a state. The company is holding payments and processing them after they are recieved and causing late fees to be assessed. I have asked the company for proof of when they recieved the payment and they have not replied with any proof of the date payment was recieved. I have requested the late fee to be removed and they have denied the request.
Consumer complaint received 2024-01-26
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (IL)

On XX/XX/ Navy Federal Closed My Account Due To A Mistake On Their End And Took My Account For Fraud Because Of Something They Did On XX/XX/XXXX XXXX XXXX  Navy Federal Bank Took My Hard Earned Work Checks From A Closed Account
Consumer complaint received 2022-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (MI)

Someone attempted to open a Discover Credit Card in my name. I did not have anything to do this with nor any knowledge of this happening. Discover contacted me and notified me of this. This hurt my credit score and I just want to be safe that I do not get my identity stolen.
Consumer complaint received 2022-03-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: ROBINHOOD MARKETS INC. (NV)

In attempting to close out XXXX trading platform accounts and unable to close out XXXX ) XXXX, XXXX ) XXXX XXXX, XXXX ) XXXX XXXX Account, and still unable to via customer service standard operating procedure. At least, what I would consider standard operating procedure. The account values are not of any great amount. I could just say 'at least you'll never go broke with them owing you XXXX Federal Reserve System XXXX '. But I have a certain standard that I must live up to, since I am also a XXXX XXXX XXXX veteran, who resides in the XXXX XXXX XXXX sphere. That accountability stretches to all financial matters, so that the Homelessness task force, all government organizations have a full accounting of my financial picture. Granted all I have is the Name, address, and other biometric data. for each of the XXXX accounts and no relevant data such as account numbers, as though I invested in a ponzi scam or some other nefarious activity. I need for the accounts, to be XXXX ) closed as of today if at all possible, XXXX ) a statement that tells the government organizations that the accounts are closed, XXXX ) the Statement to be sent to Honorable XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX. XXXX ) that my biometric data such as the social security number be removed from their files. XXXX ) that anything that remains after account fees, be sent to the address on file in a money order and or cashiers check to : Rev. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX XXXX
Consumer complaint received 2022-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (FL)

I have chime bank. My card was fraudulent, I sent bank over the documents to show I was never in that area, card was with me.I never shared my account information with anyone I was in a store shopping which miles away from where card was used and bank still denied my claim. This issue has caused me a financial crisis and I want my funds back.
Consumer complaint received 2019-11-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TAYLOR MORRISON HOME FUNDING, INC. (TX)

We applied a mortgage with Taylor Morrison Home Funding , LLC ( which is the in house lender for XXXX  XXXX  in the new home purchase agreement ). When we were told by loan officer that our loan was not approved by the underwriter ; instead of receiving the reason for rejection, they sent us an email stating withdrawn by applicants. 

We have never verbally or in writing withdraw our application. This is happens when there were less than 30 days before we supposed to close on the house. Now the builder ( which is affiliated with Taylor Morrison stated clearly in the purchase agreement ) pressured us to go with another bank otherwise we would not get our earnest money back. I feel ( its a conspiracy ) this is a common practice where they are forcing borrowers to get a high interest loan because both salesperson for the builder and Taylor Morrison mortgage banker said we would definitely get a loan from this lender ( XXXX XXXX  ). This also avoid the chance the purchase agreement would be void due to the inability to obtain loan from Taylor Morrison Funding. 

I tried to reach out to Taylor Morrison ( via email asking for an explanation ) and they have not replied as to why they put withdrawal by applicants when we were told that loan was rejected. 

I feel they are conspired to refuse a loan and direct us to another bank with higher interests. This seems to be an unethical and fraudulent practice and I am really scared to lose my earnest money ( pressure from salesperson from XXXX XXXX ).
Consumer complaint received 2019-11-20
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: EQUIFAX, INC. (CA)

I have been a victim of identity theft. I have had someone use my identity with different names, addresses, and information. I need this to be investigated and fixed immediately! 

XXXX XXXX  XXXX name and address wrong XXXX XXXX XXXX name and address wrong XXXX  XXXX  XXXX  name and address wrong
Consumer complaint received 2019-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX VIA XXXX XXXX XXXX Date : XXXX2018 This inquiry was not authorized by me. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. If you have no proof immediately I would like it removed immediately.
Consumer complaint received 2024-05-08
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AK)

In Alaska nonjudicial foreclosure sales require strict adherence to legal procedures, including ensuring that the legal descriptions of the properties are accurate. If the legal description of a property is incorrect, the foreclosure sale can not proceed as it may lead to potential legal disputes and challenges from interested parties. 

It is important for lenders and foreclosure trustees to carefully review and verify all legal descriptions of the properties before initiating a nonjudicial foreclosure sale in Alaska. Any errors or discrepancies in the legal descriptions should be promptly addressed and corrected to avoid any delays or complications in the foreclosure process. 

In case of incorrect legal descriptions, lenders may need to seek legal advice and assistance to rectify the issue and ensure that the foreclosure sale can proceed in compliance with Alaska 's foreclosure laws. It is crucial to follow the proper legal procedures and requirements to avoid any potential legal challenges or complications during the foreclosure process.
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, 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. (PA)

Can u please delete the " duplicate hard inquiry request '', thats what " XXXX XXXX XXXX '' told me to say in this report that it was done in error. They said they dont know how or why that is showing that they only requested XXXX time on " XX/XX/2022. I know nothing about this new inquiry qt all. 

As i will provide documentation of the duplicate inquiries. I also froze my accounts and reported to the XXXX  for further security measures. Thank you so much. 

Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-16
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: Experian Information Solutions Inc. (MN)

Hi This is XXXX XXXX SSN ; XXXX, I sent you a letter last month and I was expecting to get a result or at least a response but until today ( XX/XX/2022 ) I still haven't gotten any. I joined an online discussion about XXXX credit repair online and I learned from some people that you were supposed to provide a response according to FCRA or I file a complaint. Please look into my issue because it's affecting my ability to obtain credit.
Consumer complaint received 2024-05-08
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AK)

Bank Of America and XXXX XXXX XXXX are illegally pursuing non-judicial foreclosure of a federally back mortgage that that is not been verified to have any current amount owed from the books and records and Nonjudicial foreclosure without due process and without any legal conveyance of title can be considered a form of bill of attainder. 

A bill of attainder is a legislative act that punishes an individual without a trial or judicial process. In the context of nonjudicial foreclosure, the lender or trustee is effectively acting as a legislator, judge, and executioner, depriving the borrower of their property rights without due process. 

By bypassing the judicial process and using a nonjudicial foreclosure process, the lender or trustee is essentially imposing a punishment ( foreclosure ) on the borrower without a fair and impartial trial. This can be seen as a violation of the borrower 's constitutional rights, including the right to due process and the right to a fair trial. 

Furthermore, if the nonjudicial foreclosure process does not involve a legal conveyance of title, it can be argued that the lender or trustee is attempting to unilaterally impose a punishment ( foreclosure ) on the borrower without any legal authority to do so. This is similar to a bill of attainder, where the legislature attempts to unilaterally impose a punishment on an individual without a trial or judicial process. 

So, in essence, nonjudicial foreclosure without due process and without any legal conveyance of title can be seen as a form of bill of attainder, which is a violation of the borrower 's constitutional rights and a violation of the principles of due process and the rule of law.
Consumer complaint received 2022-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

My personal information was used to access personal bank accounts, change login information, alter account activity notifications, access personal emails, impersonate me for fraud, withdraw funds from my personal bank accounts, use existing cards to make transactions, request credit line increases, use my credit information to get approved for purchases, credit applications, apartment verification, alter my personal data, access my online accounts ( social media, third party payment apps, employment verification ), resolve debt collection issues, and ruin my credit score.
Consumer complaint received 2022-05-16
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. (DC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Account # 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 a account without my written instructions
Consumer complaint received 2022-03-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

In accordance with the Fair Credit Reporting act Convergent Account # XXXX XXXX XXXX XXXXXXXX, 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 a account without my written instructions
Consumer complaint received 2022-03-23
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: MoneyLion Inc. (GA)

Ive contacted money lions fraud department via customer service several times over the years the latest was XX/XX/2022 and they keep verifying the account as mines and I was incarcerated during the opening of the account from XXXX
Consumer complaint received 2019-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc. (WI)

I looked up my credit report and there is a debt on my credit report that is not mine. I have never had any type of debt with this company and do not know why they are reporting that I owe them. I have received several phone calls from them all times of the day and the phone calls are always very threatening. I have asked that they stop contacting me and that I do not owe them any money. The phone calls have continued, and the debt is on my credit report and negatively affecting my credit. 

Credit Collection Service Debt Amount : {$190.00}
Consumer complaint received 2022-05-16
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. (DC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Account # 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 a account without my written instructions
Consumer complaint received 2022-03-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

The company Portfolio Recovery at XXXX XXXX XXXX XXXX, VA XXXX has been reporting an alleged debt to my credit report. I do not know this company and have never done business with them, they could be anyone trying to get money out of me. I've never done business with them and they don't have a contract with my signature. 

I've asked them to please provide the following information within XXXX days and they have not done so : What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service
Consumer complaint received 2024-05-04
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Didn't provide services promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AK)

Bank Of America breach the HAMP agreement with FNMA and they filed false proofs of claim in bankruptcy without applying the payments received from FNMA to the borrower account.

Bank Of America does not comply with their HAMP agreement and did not credit the payments received from FannieMae to the borrower account, and on top of that they double-dipping filed false FCA proofs of claim in bankruptcy without applying these payments to debtor account.
Consumer complaint received 2022-03-23
Product: Credit card or prepaid 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. (PA)

XXXX XXXX offered bonus miles ( XXXX ) for opening a Citi Bank credit card. Card approved XX/XX/2022 and used the next day. The offer required me to spend a certain amount over the first 3 months and I wasn't sure if it was {$3000.00} or {$5000.00} miles so I called to check. I was then advised the if I had a card in the previous 48 months I would not receive the bonus. 

If I did not qualify for the offer I believe I should have been informed prior to acceptance and given an option as to whether to continue the application process.
Consumer complaint received 2022-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO. (NY)

There was an interest rate increase on my Chase Credit Card ( XXXX XXXX XXXX XXXX ) to XXXX ( XXXX ). I have an XXXX credit score and I do not accept this rate increase.
Consumer complaint received 2022-05-16
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: Social Finance, Inc. (MO)

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

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purposes.
Consumer complaint received 2024-06-04
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC (SC)

I came to the titlemax and agreed to a loan for {$3500.00}. The staff person did not explain to me the correct information about the finance charges. Everything was quickly scrolled through by the worker on a computer screen and my interest rates were not suppose to be so high. He tells me the money will be in my bank account but he put {$5200.00} in and to bring back {$1700.00} the following day. None of that made sense to me. I brought back the {$1700.00} the following day and didnt receive any paper work.! I came back to the store but the employee no longer worked there so another staff gave me a copy of my contract. When I looked over it, I was immediately furious because these are not the terms I agreed to. It looks like I role out a loan for {$5200.00} and made a payment to refinance for {$3500.00}. That is NOT true. My loan has been falsified. I did not agree to this loan.