davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-16
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Prosper Marketplace, Inc. (NJ)

This company did NOT give me any opt out disclosures as dictated by 15 U.S. Code 6801 through 15 U.S. Code 6805. In other words, Gramm-Leach-Bliley Act. Additionally, In their terms and conditions they stated that they CAN NOT and will NOT share my nonpublic financial information to nonaffiliated third parties, which they have. This is a breach of agreement and a violation of my right to financial privacy. Consumer reporting agencies such as XXXX, XXXX, and XXXX are NOT bureaus. The only XXXX true bureau is the Consumer Financial Protection Bureau. I have attached the consumer reporting agencies XXXX or XXXX form from the SEC to prove that they are financial institutions. I, as a federally protected consumer, am now exercising my right to opt out of any and all authorization that, I, the consumer may have given you, a financial institution, written, non written, verbal, and non verbal to furnish my nonpublic information to all consumer reporting agencies.
Consumer complaint received 2024-03-16
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA (NY)

XXXX XXXX trying to get funds from my closed account : Numerous calls to customer support to transfer monies from our account were refused due to security concerns. 
Transferred to a specialist that confirmed that the account could be closed and funds wired back to the original source Called back to advise specialist that the funds could not be returned to original routing number/account due to size of transfer ( > {$250000.00} ) and the account, a XXXX  account, would not accept the transfer. We were told a check would be sent to us via certified mail. 
Received letters from Marcus by Goldman Sachs that the account was closed I could no longer log in to the account and can not verify where my funds are Called back XXXX, XX/XX/XXXX and I was notified that a check was sent but they could not provide tracking information but I was assured that I would receive the funds. 
Called back XX/XX/XXXX where representative XXXX assured me that a check was being sent via certified mail. Interaction number XXXX. Complaint number XXXX. 
Called back XX/XX/XXXX representative told me that no check would be issued despite numerous calls previously assuring me that the account was closed and the funds were being sent via certified mail. I asked for a supervisor and he told me that they went home for the day since it was after XXXX ( my call was answered at XXXX ).
Consumer complaint received 2020-07-15
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC. (MO)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and XXXX   Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Consumer complaint received 2017-05-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (MI)

On  XXXX / XXXX /  XXXX   I noticed that our bank Chase put thru a preauthorized payment for car insurance even though the funds were not there to honor the transaction. We were under the impression when signing up for our account that the overdraft protection we signed up for would prevent transactions from being processed if we did not have the money in the account. I attempted to contact the Chase customer service and spoke with many different people. I requested they cancel the transaction as it is still pending. They told me no since it 's a preauthorized transaction they could not even though in their contract it states if an amount is different or you do not recognize the merchant they can cancel the transaction. So if that 's the case why was I told they did not have access to cancel the transaction when last year I forgot my car payment was going to go through and I called the bank and they were able to cancel the transaction. I find it very discouraging that  one  person with CHASE can but a different rep ca n't. Now we not only will have no money but all other transactions made prior to the pending transaction are still pending and when they honor the transactions again they will make more money off of us for NSF fees. This is an immoral way of doing business and I am utterly disgusted in my experience with CHASE.
Consumer complaint received 2017-05-26
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (GA)

They have called my phone over 10 times a day from different numbers and restricted, they have been unwilling to work with me when it comes to making payments. I have been with a XXXX XXXX and struggling to make it Day to day. I regret going to school at this point for having to take out a loan and it landing with this company.
Consumer complaint received 2021-01-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: 3rd Generation, Inc. (CA)

In XX/XX/XXXX I came to the United States for the first time and I spoke no English. Shortly after I met XXXX XXXX. In XX/XX/XXXX we were struggling to commute to work so he told me he needed help asking for a loan because the chances of us getting a loan with two incomes would be higher. I was new to the County so I was not really sure how it worked. XXXX XXXX made me sign the paperwork after I expressed I didn't think we could afford it. Shortly after we broke up because of financial problems and he kept the vehicle with VIN # XXXX. Shortly after I found out he stopped making payment to California Auto Finance because I kept getting calls treating me to pay all the balance or I would be sent to collections. I did not understand what was happening and I kept explaining that my ex was the one that kept the vehicle and not me and the loan was under his name ( I have copies of the coupons with his name ) the calls eventually stopped and I was sent to collections. Eventually I found out the Vehicle was repossessed. I tried to settle the debt in XX/XX/XXXX but the California Auto Fianance kept demanding the whole amount even with the vehicle in their possession. They recorded the debt and the collection in my credit report even though I tried to settle and I was forced into cosigning.
Consumer complaint received 2016-08-16
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (GA)

I contacted Ditech Financial several months ago to have the PMI removed from my loan. I meet all the requirements to have it removed and have given proper notification to this company several times for months. They are neglecting to get back to me in any sort of timely manner. When my wife contacted the company last week ( again ) the company representative was at a loss why we have n't been contacted to get the process started. She also informed my wife she would get back to us with an update or something, but again, just another way for this company to blow off its customer. Time and time again this company neglects our requests to manage my loan. I 'm retired from the XXXX and am really trying to save as much money as I can. I have met all the necessary requirements to have this additional fee removed from my loan but Ditech will not assist me in any way, shape or form. I want to report this poor excuse of a company to the proper Agency and hope to get a resolution ASAP,
Consumer complaint received 2023-08-23
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC (GA)

I had an Auto lease with this company US auto Sales and in the middle of my contract the company went out of business as well as my insurance i had with them. I was involved in an accident right before they went out of business and now Im left with the Damage car and no one to contact. And a company named Westlake portfolio is asking me to pay a loan, and Ive never heard of this company
Consumer complaint received 2022-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

on XX/XX/XXXX an account was opened in my name without my permission with XXXX XXXX XXXX XXXX, i never applied for this account and never used this account. it was opened fraudulently. i called the company and they said its in there system so i had to pay. account number XXXX the amount {$6900.00} on XX/XX/XXXX an account was opened in my name without my permission, with XXXX XXXX, i never applied for this account and never used this account, they were supposed to investigate the fraud and they still placed it on my credit anyway the account number is XXXX in the amount of {$340.00} on XX/XX/XXXX an account was opened in my name without my permission, with XXXX XXXX. i never applied for this account and, never used this account, i called them and they were supposed to investigate and remove it from my credit and they never did.. the account number is XXXX the amount was {$6400.00} on XX/XX/XXXX an account was opened in my name with XXXX XXXX i never applied for this account and, i never used this account. i spoke with them and they said that its in there system and that, im responsible for it and there was nothing that they could do, they advised me to file a complaint
Consumer complaint received 2016-10-09
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (WA)

Midland credit management L.L.C continues to report a collection account on my XXXX credit report even though the original creditor has removed the charge off from my account. I disputed the account " does not belong to me '' and was deleted from XXXX XXXX. I have never received any form of verification from midland funding regarding this open collection account.
Consumer complaint received 2016-09-24
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (TX)

I am a Wells Fargo mortgage holder. I pay my monthly mortgage payment via the Wells Fargo website each month. Unfortunately, I pay my payment after the XXXX of each month so I incur a late fee. I used to be able to pay the monthly late fee each month with my monthly payment. However for a few months I was not able to pay the late fees but I paid my mortgage payment. 
The issue is that within the last couple of years, the Wells Fargo payment website was changed so that it does not allow you to pay that months late fee without paying the entire late fee balance. As a result, I have about 18 months work of late fees racking up and that will continue to rack up. 
The complaint is that Wells Fargo changed their payment website to not allow customers to pay that months late fee without paying the entire late fee balance.
Consumer complaint received 2017-04-01
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (AL)

Credit bureau was contacted due to unauthorized inquiries placed on credit bureau. I have been a victim of fraud and it is noted with the bureaus. I was not contacted as instructed in the report data base by any organization. As followed XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX XXXX. Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XXXX/XXXX/XXXX XXXX Date of Inquiry : XXXX/XXXX/XXXX XXXX Date of Inquiry : XXXX/XXXX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XX/XX/XXXX Date of Inquiry : XX/XX/XXXX
Consumer complaint received 2017-02-24
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Convergent Resources, Inc. (CA)

I received a collection notice in the mail, however never received a notice of right to dispute the charge. I do not have any outstanding debts and they are reporting to my credit erroneously. It appears this may be a scam to collect on debts that are not actually owed, because i have never received service from the medical provider that they are referencing, and as such there is no reason that i would have an outstanding balance with them.
Consumer complaint received 2024-03-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (MD)

Received a XXXXXXXX card in the mail from Chime on XXXX XXXXXX/XX/XXXX. 

I called on XX/XX/XXXX. They confirmed an account was tied to my name and confirmed the last XXXX digits of my social were used to open the account. They would not give me info of any transactions or when the account was opened. 

They claimed the account was closed and then told me to submit this report.
Consumer complaint received 2022-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Credit Karma (NV)

I recently read about the FTC lawsuit against Credit Karma for the misleading of credit approval odds and pre-approvals. I was also a victim of Credit Karma misleading me and informing me of outstanding approval rate with over 90 % approval odds and a {$250.00} sign up bonus. I decided to select this offer on the Credit Karma app for the XXXX XXXX XXXX. I was almost instantly denied despite Credit Karmas misleading approval rate. I have also noticed Credit Karma shows poor approval rates for the XXXX XXXX XXXX XXXX, which ironically, I already possess. Their process for determining approval rates is misleading and false advertisement. I am glad action is being taken against them.
Consumer complaint received 2017-10-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I 've reached out to Equifax several times (XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) about unauthorized inquiries. addresses that were never associated with me and each person I spoke with was incompetent and refused to submit a dispute for the unauthorized inquiries. There were 4 addresses that I requested to be removed, and 10 unauthorized inquiries I requested to be investigated/verified, which were from XXXX XXXX ( XX/XX/XXXX and XX/XX/XXXX ),  XXXX XXXX ( XX/XX/XXXX), XXXX XXXX (XX/XX/XXXX ), XXXX (XX/XX/XXXX ) , XXXX (XX/XX/XXXX and XX/XX/XXXX), XXXX XXXX (XX/XX/XXXX), XXXX XXXX ( XX/XX/XXXX ), XXXX (XX/XX/XXXX) and XXXX XXXX (XX/XX/XXXX . The agent I spoke with on XX/XX/XXXX gave me a confirmation number and told me address would be removed and the inquiries would be investigated and to allow 30 days for dispute results. On XX/XX/XXXX I received an emailed stating that the dispute was complete. Equifax online dispute system did n't allow me to check the results online. Which resulted in me having to call them, only to realize that only one of the addresses removed and none of the unauthorized inquiries were ever sent be investigated.
Consumer complaint received 2017-02-20
Product: Debt collection — Auto
Issue: Communication tactics — Threatened to take legal action
Company: SRA Associates, Inc. (NJ)

XXXX XXXX, the supervisor at SRA Associates threatened me directly in regards to my auto loan. I have been fighting this with XXXX, but agreed to pay $ XXXX/mo in the meanwhile. XXXX would not accept the payment and proceeded to tell me multiple times in the call " you will see what XXXX is capable of doing to you '', making me feel threatened, vulnerable and extremely uncomfortable. He brought up legal action- whereas they are NOT a law firm but a collection agency.
Consumer complaint received 2020-06-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

XX/XX/2020..applied for XXXX credit card I was denied approval due to not enough revolving Accts etc..But DENIAL ALSO STATED LIEN. Didnt say from what company, where, when. this decision was based on XXXX, XXXX, Equifax  report. 
By law Liens are not to be disclosed on a credit report or a decision for credit approval. I have searched all State, Govt sites and find no Liens under my name.
Consumer complaint received 2016-04-22
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CO)

During the last recession, like many Americans my husband ( at the time ) and I lost our home. It was a difficult time for many. And it takes years to recover. Seeing the 'foreclosed ' debt drop off my credit report in XX/XX/XXXX was what I thought to be a brand new start. I was going to own my own home again someday. Then XX/XX/XXXX I received a notice from an attorney that I was being sued for our XXXX mortgage that had a balance of $ XXXX, PLUS interest and Attorney fees now totaling an amount of over XXXX. This is nearly 9 years later. I 'm not an attorney nor can afford to hire XXXX. While I responded to the Attorney immediately I did not send it to the court and now have a judgment against me. 
I 'm a XXXX year old single mom of XXXX. I work hard, XXXX jobs sometimes to make ends meet and to provide for me and my family. This will now haunt me for at least another 10 + years. 10 if I just file for bankruptcy and possibly up to 20 years if I do n't. What good is the statute of limitations if they can do this? How are we not protected? The Obama Mortgage relief plan is helping some ... .just not those of us that paid the price 9 years ago. 
Wells Fargo bought/acquired the loan at some point. When I have no idea as the original lender, XXXX XXXX XXXX XXXX has gone out of business and it was the one reported on the credit report. I have NEVER until XX/XX/XXXX received anything from Wells on this old debt. 
Sincerely, XXXX
Consumer complaint received 2024-03-16
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Absolute Resolutions Corp. (LA)

Absolute Resolutions lied to the court about the amount of debt I owed and that they have not delivered proper notices, which were never delivered, and submitted false documents to the court. This has caused me great emotional distress and attorney fees for a debt that was never correct. I told them I wanted to arbitrate the matter and the contract demands they could no longer use any court. However, they continued to pursue a judgment and garnish my employer under fraudulent and false misrepresentations.
Consumer complaint received 2016-06-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (NC)

The home was in the mothers name who purchased the home for her daughter. The daughter has lived there 20 plus years. Her father passed away first and then her mother passed away. The home was willed to the daughter ; however, the daughter went into a XXXX. Long story short she has recovered and regained employment and is well able to afford the mortgage. The loan is in the mothers name only and for almost a year the daughter tried to get them to acknowledge her and deal with her in regards to the mortgage. She finally got help through a non-profit and was in the middle of assuming the loan. We began the process on XXXX XXXX, they asked for credit authorization on XXXX XXXX, which was uploaded through XXXX on XXXX XXXX. It went back under active review on XXXX XXXX and today, XXXX XXXX the file is still under review ; however, they proceeded to foreclosing on the home today.