davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc. (TX)

I signed with XXXXXXXX XXXX XXXX and was not aware of my loan was transferred to Mr. Cooper without my knowledge or consent to find out XXXX years later when they are harassing me to pay them and if not, they are going to foreclose on my mortgage. I'm asking XXXX XXXX when did the transfer happened and why, I did not consent to the transferring of my personal information, nor did I consent to the transfer. The NOTE says the I've paid {$86000.00}, for my property and the WARRANT DEED says I gave {$10.00} was even equivalent to {$86000.00}, So what is the Afflation with Mr. Cooper
Consumer complaint received 2024-03-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (FL)

This account is being reported incorrectly ; it is being reported as an OPEN COLLECTION PAST DUE. Per FCRA I have the right to accurate reporting. DELETE IMMEDIATELY and provide me with an updated report
Consumer complaint received 2017-01-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

I have been working with my lender Wells Fargo in regards to loss mitigation options. I have sent in all information and documents they have requested and was just informed last week on XX/XX/2016 that they are requesting a occupancy bill for my renter. I did send it to the lender and they are unable to tell me if they will be postponing the sale or not and not giving me time to consider other options. I am now afraid my house will sell because I can not leave my job to go file a bankruptcy with the sale being tomorrow morning.
Consumer complaint received 2024-03-06
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc. (NY)

My account number with Kickoff XXXX, I opened my kikoff account back in XX/XX/2023, we have a current issue, I setup autopay for my Kikoff account during XXXX XXXX XXXX, and my bank was supposed to send Kikoff automatic payments, however I come to find on my credit report with XXXX, and XXXX that there was a 30 day late payment, this is not accurate and false and it needs to be adjusted immediately, my bank was supposed to issue that auto pay to Kikoff and it seems they didnt receive it, upon contacting my bank they said it could be because the account number is in letters and numbers and the system could have had issues sending it, they also mentioned that kikoff could have not received the payment because there under another bank etc. Whatever the case may be, I made my payment to Kikoff and once the issue was discovered I immediately made prompt payment once I discovered the issue. 

I request of kikoff to adjust this late payment thats inaccurate with the credit bureaus and to please fix there systems with auto payments so this doesnt happen again! 


Account # XXXX
Consumer complaint received 2024-03-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY (FL)

I did not open the credit card there is a 4 digit security pin. On the card to get information. I do not know the pin and have asked multiple times for the pin to be removed. 

If I didnt open the card why would I know the security pin. They are denying me access because I dont know the pin.
Consumer complaint received 2024-03-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY (FL)

Someone opened a credit card under my name without my permission. 

I called Amex to ask what address and phone number was used to open my card. 

They denied the fraud claim because they said I benefited but if you look at the address and phone numbers are different. 

Amex please provide the address and phone number used to open the account.
Consumer complaint received 2017-08-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Coinbase, Inc. ()

My Coinbase.com account has been restricted for no reason. I am unable to purchase any cryptocurrency. I have contacted Coinbase Customer Support since XXXX XXXX, 2017 with zero responses. I have contacted them multiple times and via different routes but still no response or action on their behalf to unlock my account. Please advise what I should do as they have my personal information, IDs, and credit cards on file. Thanks in advance
Consumer complaint received 2024-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (MI)

Wells Fargo is denying my dispute and for some reason every time I call I either get hung up on ignored they say the same thing and act like robots. Wells Fargo isnt following regulation and is refusing to tell me why my dispute got denied. I would like to help the CFPB start an investigation/lawsuit against Wells Fargo and one of the employees called me a XXXX and hung up! I want my money back it is a huge sum. I dont want to wait 60 days I want my money back now. I will be stop using Wells Fargo once I get my money back worst bank I have seen! I will continue to be annoying and open multiple claims against Wells Fargo until I get my money back! And I also requested a call back for XXXX weeks now and still havent got a call back. And every time agent get assign to me they give me a fake number and dont even answer!
Consumer complaint received 2024-03-05
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY (FL)

I called Amex to day and I am being denied access. Someone opened a credit card under my name and SS. I dont know the XXXX digit pin or phone number to grant access. 

This is a fraudulent account and Amex is denying me access to clear up this account.
Consumer complaint received 2020-10-13
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. (OH)

DEPT OF EDUCATION/XXXX  is stating I was late as of XXXX and XX/XX/XXXX ; however, you look at the account it show this account was NEVER LATE AT ALL! Please the the prior months of XXXX which is displayed in the pictures that are attached. If I was NEVER LATE in all of XXXX, how can I be 90-120 late in XXXX and XX/XX/XXXX. 

PLEASE CORRECT PAYMENT HISTORY AND THIS IS VIOLATION OF FAIR CREIDT ACT 611. THIS INFORMATION IS NO ACCURRENT. 

The credit agencies will be held responsible and liable for damages.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (PA)

JPMCB - AUTO FINANCE Account type - Auto Lease Date opened - XXXX XXXX, 2017 Address XXXX XXXX XXXX XXXX, NY XXXX Above Account created under JPMCB - AUTO FINANCE without my consent. It does not belong to me and should be deleted and removed from all three credit bureaus under my credit file immediately please. 
According to15 U.S. Code 1692j a person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that information is inaccurate.
Consumer complaint received 2024-03-05
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XX/XX/2024 SOUTHWEST CREDIT SYS XXXX XXXX XXXX, XXXX, TX XXXX Subject : Dispute of Collection Account and Violation of Consumer Rights To Whom It May Concern, I am writing to dispute the collection account that has been placed on my consumer report by your agency, as well as to assert my rights under relevant consumer protection laws.

Firstly, it has come to my attention that your agency has failed to provide validation information as required under 12 CFR 1006.34 ( b ) ( 5 ). Despite this omission, you have proceeded to report this collection account on my consumer report, which constitutes a violation of my rights under federal regulations.

Furthermore, I have not been afforded the opportunity to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This failure to provide me with the necessary avenues for dispute resolution is a clear violation of consumer protection regulations.

Moreover, I assert that your agency is engaging in false, misleading, and deceptive practices by reporting this collection account without adhering to the requisite legal standards. This conduct violates my consumer rights and undermines the integrity of the credit reporting system.

Additionally, I dispute any and all ownership of the alleged debt to your agency. I hereby revoke all rights of communication with me via phone, text, or email. Henceforth, all correspondence must be conducted through written communication sent to the address listed above.

In accordance with my rights under the law, I demand that your agency provide validation of the debt, including the purchase agreement between your agency and the original creditor. Furthermore, I request proof of your agency 's licensing and bonding, as required by law.

Failure to comply with these requests within the legally mandated timeframes will result in further action to protect my rights as a consumer. I expect a prompt and thorough response to this dispute letter. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

I deposited a check from XXXX XXXX XXXX XXXX for {$5400.00} on XXXX XXXX. The funds were withdrawn from the XXXX account on XXXX XXXX and I sent proof of this to Chase and attached the proof here. Chase claimed they needed to verify the funds availability even after I provided proof. Chase then asked for the contact information of the business that wrote the check. Chase then claim ed their reason for the hold was confidential. I do not believe a bank can legally hold funds assigned to me by a check after Chase has withdrawn the funds and if they can provide legal documentation I demand they produce it. As of today no portion of my funds have been released causing me severe financial hardship. And the fact that Chase lied to me is reason enough to warrant an investigation into their business practices.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I XXXX XXXX am writing this letter concerning the following XXXX Capital One accounts : XXXX, XXXX & XXXX. I, XXXX XXXX have the right to make sure my private information is not shared on the platforms of reporting agencies. This ruling is reiterated by 15 US Code 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Capital One is a financial institution by definition under that title and I, Melrose McKenzie is the customer. 15 US Code 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Capital One the financial institution and the XXXX reporting agencies XXXX, XXXX and XXXX do not have my consent neither written nor verbal to furnish such information. I, XXXX XXXX now hereby revoke any and all consent to Capital One whether it be verbal, non-verbal, written, implied or otherwise to furnish my information to any reporting agency. 15 US Code 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a non-affiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX, XXXX and XXXX are non-affiiliated parties of Capital One on which my information is shared. Capital One Never informed me of my right to exercise my non-disclosure option. Also, 15 US Code 6508 states that I have the option to opt out of any account reported to my credit report and I am supposed to receive an opt out notice every XXXX ( XXXX ) days. CAPITAL ONE FINANCIAL CORPORATION has never sent me such notice. Furthermore, 15 US Code 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), 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. '' The above listed accounts are adverse items which are being reported by Capital One without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of Capital One reporting my information to consumer agencies.
Consumer complaint received 2024-03-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (VA)

In XX/XX/year>, I received notification to update my address from the XXXX XXXX or XXXX  to a physical mailing address. 
I was confused because they have my mailing address, which is physical. I explained to them that what I have is in fact a physical mailing address where I received all my mails. Subsequent correspondence requesting the same thing as irritating, but I reached out and someone explained to me that it had to be a physical address, to which I said yes it is, and it is also a place where I get my packages. Further communication regarding this matter occurred around the holiday season of XXXX after explaining the situation, the Wells Fargo representative told me not to worry about it anymore since its a physical location/address. 
Eventually, I went on their website and made some changes on my account through the app, but did not change the address on file. 

Two weeks ago, I found out that my account was closing when I went to conduct business at one of their location. A case was open in an attempt to stop the closure, but I received a letter today stating that they could not reverse their decision. They state, however, that even though the responsibility of informing me not to worry about the issue any longer was their mistake, the only recourse was to provide further training to their staff, and completely disregard the fact that nobody explained to me that they needed a residential address instead, until two weeks ago. This irresponsible Wells Fargo behavior has led to much financial woe for me.
Consumer complaint received 2022-10-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (TX)

Not sure if this is the right department. I received a call this XXXX @ XXXX from XXXX their company is offering a Government loan modification program. They stated I would have to make 3 trail payments in order for the modification to go into effect. When I kept asking what the terms were they just stated I would receive them after I made my first two trial payments. I let the gentleman know I would not agree to anything without knowing the terms. He kept insisting I would receive them after making two trial payments. I thought was weird because at first he said 3 payments. I eventually stressed to him that I would not agree to anything without knowing the terms he said they would be texted to me and hung up. I never received anything. I called Shellpoint directly and the customer service lady stated there was no notation that anyone had called me this morning. I asked where I could report and she stated I had to do my own research to report. I thought this was odd or she was just being rude. I went online and it stated to call XXXX to report spam or fraud. I called and expressed to the customer service representative I just need to know where to file a complaint about a spam call. She gave me an email of loan XXXX and stated they would forward to the correct department. The gentleman who stated his name was XXXX XXXX, called me from your number XXXX. I wanted to make you all aware as this is possibly happening to other people. Not sure if it is Shell calling or spam.
Consumer complaint received 2024-03-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (CA)

I deposited a check on behalf of my new tenant. Check is XXXX XXXX funds. They are not named on my account. Within XXXX minutes of depositing check I get alerts stating my accounts are scheduled to close. The next day I speak to agents on the phone and they say if I go into the branch with check owner they will release hold. So I made an appointment with the branch and went in the branch with check agent. The agent is actually her son who has a power of attorney and that power of attorney is registered in the county of XXXX in California. They take copies and should have already cleared this up by now. Everything is up and transparent. I dont know why my account is still inaccessible and funds are still tied up.

Please help.

Thank you.
Consumer complaint received 2024-03-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I have two credit card accounts with Capital One bank which I have had for numerous years. I make my payments faithfully with 5+ years of on time payments. I attempted to login to make my payment due XX/XX/2024 and was unable due to issues with their website and mobile app. 

I attempted later again that day, with no success. It was a weekend, so I waited until the next business day the following week and when I logged on, they had charged me late fees on each account. I reached out via the customer service line to make my payment and get the fees removed, since it was an error on their end that prevented me from making my payment on time. They VERBALLY ACKNOWLEDGED that they had several issues with their payment processing over the weekend and that they had been getting many calls with the same issue, but REFUSED to remove the late fees.
Consumer complaint received 2024-03-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (TX)

On XXXX XXXX  an unauthorized payment was pending and then taken from account. I contacted Westlake Financial and spoke with a supervisor named XXXX that confirmed that the payment pending was a double payment however he stated he could refund it until the transaction completed so he said to call back after it has so they could complete the refund. I called back after the transaction completed to have them complete the refund and they say they can not complete the refund and only request it for management approval despite me informing that it was already approved with a superviso. So they end up submitting the request for it to be refunded and request that i call back in 1-2 business days. I called back after the that time had elapsed and the rep I spoke to said the request was denied. I then spoke to another supervisor who still did not refund the payment but instead said that she needed to review a call that would take another 72 hours and need to be requested through higher management. So after many days and calls later I still have not had the unauthorized payment refunded. Westlake financial should not only refund my money but also grant a skip a pay that should have been granted when I spoke with them to request the XXXX payment to be skipped. This is service has been horrible, unfair, and incompetent.
Consumer complaint received 2024-03-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (VA)

On XX/XX/2024, I pulled my 3 credit reports from XXXX, XXXX and XXXX and I noted the following collection : LVNV Funding LLC, c/o Resurgent Capital Services LP XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina XXXX Account number XXXX Amount : {$1400.00} '' The following day, XX/XX/2024, I sent a Debt Validation letter via USPS Certified Return Receipt to LVNV Funding LLC c/o Resurgent Capital Services LP at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX South Carolina XXXX requesting Validation of the debt and proof that I am the party they are asking to pay this debt, and proof of any contractual obligations binding me to pay the debt. 

As of today, XX/XX/2024, I have not received any response yet the collection is still being reported with all three credit bureaus. This collection is severely and negatively impacting my credit scores.
Consumer complaint received 2022-09-21
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. (LA)

15 USC 1681c-2 BLOCK AND DELETE. NOTICE TO XXXX / XXXX/ AND TRANSUNION ON XX/XX/2022 | FTC Identity Theft Report - Proof of identity - Copy of Credit Report - FairCredit ReportingAct Section 605B ALL INCLUDED.
Consumer complaint received 2022-09-21
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. (LA)

15 USC 1681c-2 BLOCK AND DELETE. NOTICE TO XXXX / EQUIFAX/ AND XXXX ON XX/XX/2022 | FTC Identity Theft Report - Proof of identity - Copy of Credit Report - FairCredit ReportingAct Section 605B ALL INCLUDED.
Consumer complaint received 2024-03-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sentry Recovery and Collections, Inc. (NV)

i noticed in XX/XX/2022 that there was something on my credit that did not belong to me neither did i have any knowledge of these accounts or debts i also did not have any knowledge of the companies that were associated with these said debts i had no knowledge of any kind and did not consent to or enter into contract with any of their entities this is fraud and i need your help in resolving this matter i also noticed fake name and addresses that do not belong to me as well on my credit report