davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will file litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2021-01-25
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: First Direct Mediation (TX)

On XX/XX/XXXX, I received a debt collection call from : XXXX XXXX First Direct Mediation XXXX XXXX XXXX, XXXX, New York. 
XXXX XXXX He stated he was attempting to collect a debt obtained by XXXX XXXX via XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX in the amount of {$700.00} plus interest and the total due is now {$1000.00} He insisted I settle the debt today over the phone that he could settle it for {$720.00} The problem is : XXXX XXXX XXXX  have never obtained a XXXX Loan in any amount. 
2 ) I did not request this XXXX loan- I feel that my identity might have been stolen. 
My drivers license was lost on a trip between New Jersey & New York. 
I reported the license lost and/or stolen when we returned home. I do have a case number. 
3 ) He did have my name, SS # ( although I did not confirm that info for him ). 
He gave me an email address that was associated with this loan : XXXX ( not my email address ) and stated that when they tried to Auto Draft $ $ for repayment from my XXXX account, the draft was returned due to insufficient funds. 
I have NEVER opened or had an account with this bank. 
3 ) Mr. XXXX XXXX verbally told me that if I did not get back with him before XXXX ( Eastern Time ) he would have to turn the information over to the court, I might as well pay the amount- a lawyer and having to appear in Court will cost more money. He also told me that a lien could be placed on my home & other property owned my me or my husband. 
Can you please advise me on how to proceed with this issue of stolen identity? 
Thank you in advance, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (SC)

Our mortgage was transferred from PHH Mortgage Services to Shellpoint Mortgage Services late last year. Since the time of this transfer, we have experienced much confusion and disappointment. In XXXX of XXXX, we were placed on a trial loan modification. We were allowed to make our regular monthly payments for four months. Then at the end of four months, we were instructed to pay {$4000.00}. At the end of four months XXXX XX/XX/XXXX XXXX, we only had {$2000.00}. Shellpoint then told us that they would check to see if they would accept the {$2000.00} and place us on modification. Then a few weeks later we were told that it was ok that we did not have the full amount because we had made the payments on time. They would be sending the papers out for our modification. So, we waited for another three or four weeks and never received the promised documentation. Therefore, every time I called Shellpoint, I would get a different person and a different statement. Finally after calling for several months, we were told that we would not be able to receive a modification because we had exhausted all modifications. Then the next thing I know they are going to foreclose on our home. Our only option is to do a short sale or deed in lieu. We received very poor service from Shellpoint and feel that we deserve better than this. Of course we believe that there are other programs out there that can assist us in saving our home.
Consumer complaint received 2022-02-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Atlantica, LLC (MD)

In accordance with the Trial Period Payment Agreement signed XX/XX/2021, XXXX XXXX XXXX XXXX is in violation of this agreement. This is formal notice of violation of said agreement. Refer to page 2, bullet point XXXX. 

" Any pending foreclosure action or proceeding that has been suspended during the trial period may be resumed if you are notified in writing that you failed to comply with the terms of the trial period plan or do not qualify for a permanent modification. You will receive notice at your normal mailing address for receiving notices from us. '' Resumption of the foreclosure action was to take place if proper notice was given, yet XXXX XXXX resumed such action without sending proper notice.
Consumer complaint received 2022-02-10
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: EQUIFAX, INC. (NY)

An account is reporting to my credit file under XXXX as a secured credit card with a maxed out balance, open and always paid on time. This account is now paid in full, closed and always paid on time. Attached to this complaint is a copy of my last credit card statement from XXXX showing the account is now paid in full, closed and always paid on time.
Consumer complaint received 2019-10-25
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. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-09-10
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (OH)

Synchrony Bank took over the Lowes credit card division. The card changed to a My Lowes Reward card at some point after that. I have had a Lowes card for well over ten years. Until Synchrony Bank took over their account I had no problems with my Lowes credit account. My last purchase on this card appears to have occurred in XXXX of 2024, in the amount of {$20.00}. Until that point my account was paid in full. I pay my accounts off monthly. I did not receive a bill for the XXXX purchase. Instead, I received what Synchrony is titling a replacement statement. Synchrony says that I requested this replacement. I made no such request. Perhaps the bank realized its own error in not sending a bill and sent this instead. The balance on that bill is {$140.00}. My only purchaser on that bill is th3 {$20.00}. The remaining debt has to do with Fees, interest, and a fee for a paper statement. Then I began receiving phone calls and text messages from Synchrony. I received a voice mail that said I owed {$30.00}. In thinking that was possible I paid the {$30.00}. In XXXX I received a statement from Synchrony that says I owe {$160.00}. Since I have intentionally not made more purchases on this card, I know that is not for purchases. The amount they are charging is for fees and paper statements only. I paid the amount so that it would not affect my credit score however, I do not believe this money was owed to Lowes or Synchrony, and I would like to obtain a refund. Once Synchrony posts the amount paid, I will be cancelling this card. I have had prior problems with Synchrony and my Care credit account. In that instance they issued me a new card. I did not realize they had opened a new account under my name without closing the other account. In error I paid them under the former number. It took months of my calling and emailing Synchrony to correct that issue. I have heard at least one other person complain about the practices of Synchrony bank. I believe this Bank is overcharging people and acting in an unscrupulous manner. A review of my credit will show that I am always up to date in my accounts.
Consumer complaint received 2022-02-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CO)

On XX/XX/XXXX, I made a deposit of {$7000.00} from a sale of a motorcycle via mobile deposit with U.S. Bank. On XX/XX/XXXX, I was notified via email that the deposit was accepted and they released {$220.00} of those funds, pending verification of those fund. I checked my online banking account to verify that the {$220.00} was there and it was. The available balance was near {$0.00} at that time so any transactions would have been declined as I did not set up overdraft protection. I went out to eat and there was a second purchase that went through and mostly took from that {$220.00}. On XX/XX/XXXX, I noticed my account was negative. I went in to look at details and found that the {$220.00} was removed and I was charge overdrafts for my two transactions. After working with the bank via phone, they said that the check needed further security checks and had to wait XXXX business days. They could not explain why {$220.00} was released as they did not see it. On XX/XX/XXXX, I explained what happened and was basically told that I was lying as there is no evidence of the {$220.00} ever being released. I explained if that {$220.00} was not there, that my two transactions would have been declined. I closed the account because I feel I was extorted for those two overdraft fees and an additional extended overdraft fee because of those as well as making me look like I was lying as there was no evidence outside of my email, that says there was {$220.00} released from that deposit. Unfortunately, the only evidence I have is of the email, because I do not think to take a screen shot of every bank transaction and would not know that the bank would remove evidence of releasing such funds, they made the funds release look like it never occurred.
Consumer complaint received 2021-07-14
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: Onity Group Inc. (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 375 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2022-07-20
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. (PA)

The Credit Bureaus never did a proper " investigation '' according to the FCRA. 
The term " investigative consumer report ' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They did not do this. 

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 


The Credit bureaus stated my account XXXX XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 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 2021-07-14
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 — Their investigation did not fix an error on your report
Company: AMERICAN HONDA FINANCE CORP (CA)

I am buying a house. I am a loyal customer of Honda financial services for many years since XX/XX/XXXX. I have leased XXXX each time for three years lease terms and my payments were always on time with no problems. They reported that I was late in XX/XX/XXXX. Nobody informed me. All they did was just leaving me messages about advertisements or to come in and get a new auto lease. I also paid them and they informed me that their system was down which caused more delay of the payment. I explained to them the situation of being a loyal customer since XXXX and that Honda never had a problem with their system, but they kept refusing to remove it from my credit report. So not only I paid the following month balance of {$210.00}, but also I did pay all the remaining balance till end of the lease term because I did not trust their system. I did pay everything till XX/XX/XXXX, which is the maturity date, a few month ago and the balance has been XXXX since then. I asked Honda to remove the negative credit report that they submitted to credit bureaus on my behalf but they denied it. I was going to buy a house in XX/XX/XXXX but my credit score came down so tremendously, that I could not apply for a loan to buy a house. I have two XXXX  children and I am a XXXX XXXX and this added more problems on my shoulder especially during this difficult time of Covid-19. Both of my children are very XXXX  and buying a house for them is extremley essential. I do appreciate if this negative credit report could be removed asap from my credit, since it is the only negative report which brought my score down. Thank you very much. Please feel free to contact me if you have any questions. Thank you.
Consumer complaint received 2022-02-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIBANK, N.A. (CA)

My checking account with Citibank has been inactive since XX/XX/XXXX. There hasn't been a single activity on the account between XX/XX/XXXX and now ( XX/XX/XXXX ), yet the account was charged a {$12.00} service fee per month for 17 months. 

I reached out to Citi and asked for full refund. However Citi only agreed to refund for two months ' worth of service fee ( {$24.00} ).
Consumer complaint received 2021-07-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (PA)

XX/XX/XXXX i noticed a collection on my credit that is not mine. I sent many disputes to all 3 credit bureaus disputing the fraudulent account with no success. So in XX/XX/XXXX I sent a certified letter to Convergent Outsourcing with a copy of an FTC Fraud affidavit. I got no response from them. Again in XX/XX/XXXX i sent another certified letter, again no response. This company is violating 15 USC 1681 FCRA. They are reporting an account that they are fully aware is Fraudulent. IF this is not removed my next step is to sue them in Federal court. Certified mailing numbers via USPS are # XXXX XXXX XXXX XXXX XXXX and # XXXX
Consumer complaint received 2021-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ME)

I am a 20 year customer of Bank of America with a perfect payment history. My last statement arrived late in the mail for an unknown reason. I mailed the payment within two days of receiving the statement. Because the mail delay caused the payment to miss the due date, Bank of America cut off use of my card without any notice or warning. Only after having the card declined twice and calling Bank of America was I told that the system automatically cuts of use a card if a payment goes beyond the due date. I use this card for travel expenses when going out of state for medical treatments. 

Please enact a regulation that requires any card issuer to notify a customer in advance if the issuer is going to cut off use of the card so people do not end up stranded or unable to complete a necessary transaction through no fault of their own.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i despite sending them, a letter, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX  XXXX XXXX Balance : {$1800.00} XXXX XXXXXXXX XXXX Balance : {$1700.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Reference # : XXXX Asset Amount : {$0.00}
Consumer complaint received 2022-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

I have multiple UNAUTHORIZED inquiries listed on my consumer report and Experian has failed to remove them. They are willfully violating the FCRA as I have informed them multiple times that these are unauthorized. This is fraud. I have no idea why these inquiries are listed on my consumer reports and Experian has refused to remove them. I am sending off this complaint before I move to litigation. The exhibits that I have attached to this complaint will show my MULTIPLE efforts to resolve this issue with Experian and they failed to comply.
Consumer complaint received 2021-01-25
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)

THE ACCOUNTS/INQURIES LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS I HAVE MADE A CRIMINAL COMPLAINT TO LOCAL AND FEDERAL AGENCIESI am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2021-08-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

1 ) First, on XX/XX/XXXX I attempt to cancel my checking account with Bank of America. I was informed that in order to close the account my balance needed to be exactly XXXX. This was expressed to me while my account was above XXXX balance. I was then told that I needed to remove the money from the account myself in order to have a XXXX  balance. 
2 ) As a consequence of this, there were multiple times when I attempted to get my account to exactly XXXX  balance without success. There were multiple fees placed on my account totalling hundreds of dollars. I was using another account to deposit money in my BoA account to attempt to restore my balance back to XXXX. However, outside bank deposits take multiple days to show up. Essentially making it impossible for me to achieve a XXXX  balance unless the funds were placed there by another BoA account. 
3 ) I called bank of America one last time today, XX/XX/XXXX in order to ask about removing these fees and to cancel my account. The agent said there was nothing to be done about the fees. She then proceeded to close the account as I was able to coordinate a wire from another BoA account holder. I asked to speak to her manager who, frustratingly said she could not refund these hundreds of bank imposed fees specifically due to having my account closed, something the previous agent did not tell me. This agent also confirmed that the information given to me by a the first agent, that I could not cancel an account if it was not exactly XXXX balance, was incorrect.