davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: SYNCHRONY FINANCIAL (NC)

I suddenly received a Credit Card Statement from Synchrony Bank/Lowes in XX/XX/XXXX for charges I did not make or authorize. The bank called me and I told them this account had been paid off many years ago. They said they would mail me copies of charges with dates of purchase, etc to review. I did receive a very heavy large envelope with copies of many statements and I immediately knew I was a victim of Identity theft. Since this time I continue to get letters from the bank and/or calls indicating I am past due and now late fees and interest are being added. 

After I realized this had happened I requested copies of all my Credit Reports from XXXX, XXXX, and XXXX. The credit reports indicate multiple hard inquiries on my behalf that I did not authorize. 

XXXX XXXX  was one Company that I had to also reach out to when I received a letter indicating my credit was approved. I called them to report that I did not apply for credit. I then received a letter dated XX/XX/XXXX, that indicated I was not responsible for said account ( Copy attached ) I have copied their letter as they requested and sent to all ( 3 ) Credit Reporting Agencies. 

I am a XXXX Vet age XXXX and am very overwhelmed with stress and to the point that I had to reach out to a friend to help me get this resolved since I do not own a computer much less know how to use one. ( I only use email on my cell phone. ) She has written all letters for me on my behalf that I am attaching for you. I told Synchrony Bank that I did not use a computer, own a computer, and they stated that someone had been paying the statements/bill up until XX/XX/XXXX making payments online. They then stated the last email for payment request had bounced back to them and they were given my address to send paper statements. 

Please help me get this resolved.
Consumer complaint received 2020-05-18
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: Experian Information Solutions Inc. (AR)

My husband and I have been a victim of identity theft. We have never opened joint accounts or done rental agreement together. We have been trying to remove these things for our reports for 4 years since we first found out. This account on my report and inquiries are not mine. Please remove these fraudulent items from my report.
Consumer complaint received 2020-05-18
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CREDIT ACCEPTANCE CORPORATION (SC)

I filed a complaint about Credit Acceptance on XX/XX/14. They are now harassing me by repeated calls. I want them to leave me alone, no calls and communicate in writing, if necessary. I only owe XXXX more payments and I want make them in peace. This is typical of the way they work.
Consumer complaint received 2020-05-25
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Receivable Recovery Services, LLC (FL)

I received a letter from Receivable Recovery Service LLC dated XX/XX/2020. The letter stated Notice of Default with a balance of {$330.00}. I logged onto their system XX/XX/2020 disputing the account and asking for validity of debt. Please note that this company violated the FDCPA laws because for one they reported it on my credit XX/XX/2020. Which was before I even received the letter which stated I have 30 days from the date of notice to dispute the validity of this debt. I made aware of this being reported on my credit through an app called XXXX XXXX. This company made a negative remark on my credit and back dated it to XX/XX/XXXX with a mark saying disputed by the consumer! They did partially respond to my request for validation of debt but they did not provide all requested documentation for an account that does not belong to me. They responded on XX/XX/2020 and I asked for documentation on XX/XX/2020 to the person with an email address of : XXXX I never heard anything back from them. A copy of communication is attached to this complaint. They have violated a lot of my consumer right and have made a negative remark on my credit! They need to be fined and they need to delete this from my credit history! For one I dont owe and didnt owe the debt. Once I saw it on my credit report I freaked out!!! I paid half which they didnt even report that payment until I threatened this on XX/XX/2020. They updated the payment and still once again ignored my request of proving me with proof that the account belonged to be. They never provided proof that they are licensed to collect in my state which is Florida. 
They were inconsistent with the amount due! The letter stated {$330.00} and they reported to the credit bureau as {$240.00}
Consumer complaint received 2020-05-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Looking on the Federal Reserve site, Reg D was temporarily done away with on XX/XX/XXXX due to COVID-19. " Q : What changes has the Board implemented to savings deposits in response to COVID-19? 
Posted : XX/XX/2020 A : On XX/XX/XXXX, the Board announced an interim final rule to amend Regulation D ( Reserve Requirements of Depository Institutions ) to delete the six-per-month limit on convenient transfers from the savings deposit definition. The Board took this action in light of the elimination of reserve requirements on all transaction accounts, making the retention of a regulatory distinction in Regulation D between reservable transaction accounts and non reservable savings deposits unnecessary. In addition, financial disruptions arising in connection with COVID-19 have caused many depositors to have a more urgent need for access to their funds by remote means, particularly in light of the closure of many depository institution branches and other in-person facilities. The interim final rule was intended to allow depository institution customers more convenient access to their funds and to simplify account administration for depository institutions. Further information, including a full set of frequently asked questions and answers, is available here. '' This came straight from the Fed site. I tried to make another transfer today on XX/XX/2020 and Bank of America was going to charge me for the transfer. This violates what the Federal Reserve has put into place because of this pandemic. 
So I called Bank Of America on XX/XX/2020 and spoke with XXXX in the New York office. She argued with me that this was not correct with what I was telling her. So I ask to speak to a supervisor to let them know about this update. Bank of America is still charging people fees for Reg D transfers when they are not suppose to even count the Reg D at this point. Please look into this matter. I can not seem to get anyone on the call to listen. Thank you,
Consumer complaint received 2020-05-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I had a credit card through XXXX XXXX, which was charged off back on XX/XX/2015. It was a credit card for the store XXXX, which went out of business. My credit limit on this card was around {$300.00}. I have been dealing with Portfolio Recovery Associates,  LLC since then. I have tried to reason with them, stating that there is no way I owed {$1100.00}, as my credit limit was not that high. They have refused to discuss this with me. I just received a fraudulent credit card statement from Portfolio Recovery with a statement showing I owe {$1100.00}. This statement was fraudulently created by Portfolio Recovery. It shows on the statement ( attached ) that it's from XXXX, this is a complete lie and a fabricated document made by Portfolio Recovery. I demand this account be removed from my credit report and Portfolio Recovery investigated for their practices.
Consumer complaint received 2020-05-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Wilber and Associates, P.C. (CA)

As previously noted, the XXXX  XXXX XXXX owned by Mrs. XXXX XXXX was the victim of a HOSTLE and ANTAGONISTIC assault and battery by an unknown assailant. To be specific, the XXXX XXXX COUNTY SHERIFF 's DEPT. has noted this accident as an assault with a deadly weapon ( A XXXX XXXX XXXX XXXX ; license plate already noted in a previous report ).
Consumer complaint received 2019-11-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am a victim of Identity Theft. There are 2 accounts with Bank of America that are damaging my credit. They are not mine. I have send several demand letters to Bank of America and have heard no response to help is resolving my issue. I have also disputed these fraudulent accounts with the bureaus and am getting no where. I will attach my credit reports and identity theft affidavits. 

Account numbers are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONS DIRECT MORTGAGE, LLC (FL)

to whom it May concern. The present is to show that since I lost my old job on XX/XX/2019 I have been requesting help through the bank that I have been assigned to pay my mortgage loan which is called Nations Direct Mortgage. These people offered me a help system called Loss Mitigation to approve something called Forbearance and then a Loan Modification since I was unemployed. These people required me a number of papers to be sent to the following e-mail : XXXX, but it has not helped since they continue to request the same papers that were already sent. I have even made arrangements by calling the offices to verify if the documents are correct and they have confirmed yes. I have phoned the bank in charge of my mortgage loan and the service provided to me has been the worst ; from insults to hang up the phone. I need to resolve this situation in the most professional way possible and without empty promises.
Consumer complaint received 2019-11-15
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

( XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$750.00} does not belong to me.This complaint is not a duplicate This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2019-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WAKEFIELD & ASSOCIATES, INC. (IN)

Two XXXX  bureau I have several issues on my credit report # 1. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In XXXX XXXX XXXX XXXX I was waiting on my XXXX  to process I was not even a month behind., so I informed them taht my check would be arriving with in 36 hours. They said turned your vehicle in or we will come after it so I took it to the dealship where I bought it then they said they sold it and I owe them almost 5000 dollars. That XXXX was like new and they got close to 8000.00 plus for it. So the pay off was meet and they willl not produce any documentation on whom they sold it to plus what it was sold for. I want proof of this XXXX XXXX XXXX
Consumer complaint received 2020-05-25
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. (CA)

it has now been over 60 days with no response at all from the bureau into my problem which is in complete violation of the FCRA guidelines that govern them. I hope that by reaching out to you this problem can finally be solved.
Consumer complaint received 2020-05-25
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: Experian Information Solutions Inc. (SC)

XXXX XXXX  XXXX XXXX reported a unsubmitted balance to my insurance as a founded balance to a collection agency called XXXX  XXXX XXXX XXXX whom failed to rendered supporting documentation that they are in compliance with services that would have been covered under insurance but, due to the negligence of the doctors office, as I was covered my XXXX  within the state of Maine as I was XXXX  and unemployed at the time. The provider and the insurance confirmed there was no bill and since they failed to submit the claim nor did they notify me in a timely manner ( until it was presented to collections ) the insurance will/did deny coverage because the claim is untimely. Moreover, substantial risks and delays associated with continuing to pursue their lien rights instead of being paid by the clients health insurance need to be brought to the providers attention as well, due to this gross balance causing a huge impact on my creditworthiness If not removed litigation will be set forth, and court will rule and i will sue to the negative impact caused over the years
Consumer complaint received 2020-05-25
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. (SC)

XXXX XXXX  XXXX XXXX reported a unsubmitted balance to my insurance as a founded balance to a collection agency called XXXX  XXXX XXXX XXXX whom failed to rendered supporting documentation that they are in compliance with services that would have been covered under insurance but, due to the negligence of the doctors office, as I was covered my XXXX  within the state of Maine as I was XXXX  and unemployed at the time. The provider and the insurance confirmed there was no bill and since they failed to submit the claim nor did they notify me in a timely manner ( until it was presented to collections ) the insurance will/did deny coverage because the claim is untimely. Moreover, substantial risks and delays associated with continuing to pursue their lien rights instead of being paid by the clients health insurance need to be brought to the providers attention as well, due to this gross balance causing a huge impact on my creditworthiness If not removed litigation will be set forth, and court will rule and i will sue to the negative impact caused over the years
Consumer complaint received 2020-05-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

it has now been over 60 days with no response at all from the bureau into my problem which is in complete violation of the FCRA guidelines that govern them. I hope that by reaching out to you this problem can finally be solved.
Consumer complaint received 2019-11-15
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Renew Financial Holdings Inc (CA)

We applied for a loan to do some upgrades on our house with XXXX. They, in turn, had us finance with Renew Financial. We had no option at the time. Unfortunately for us we did not read the fine print. We did ask if there was any prepayment penalty ; we were told and read that there was not. 

We decided to prepay this loan. We paid it off on XX/XX/2019. It was recorded as paid in full at the XXXX XXXX XXXX County Assessor 's office on XX/XX/2019. 

Our tax lien payment of {$1500.00} was sent out to Renew Financial on XX/XX/XXXX, XXXX from the XXXX XXXX XXXX County Assessors office. 

Yes, it is the same date. 

I have repeatedly called to get our tax payment back ( with interest ). I have been repeatedly been told not until XX/XX/2019, no interest. 

My question is, why, when the loan is paid off, have they held our tax payment? And then, why no interest paid. They have had his money for over 6 months. Why? 

When I called today, XX/XX/2019, to ask where my refund is, I was told there was an internal problem and that the checks went out on Wednesday XX/XX/2019 from their XXXX, CA office. 

I have no receipt of a check reimbursement as of XXXX XXXX, XX/XX/2019.
Consumer complaint received 2019-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

Good Afternoon, I have for many years been writing and calling ect. I have not been able to resolve this. When i go to get my credit report checked for an apartment or a car it shows 8 to 10 closed accounts since XXXX. I am in good standing with my loans for a long time now with a XXXX XXXX. I been denied for many years because it shows all account on as closed and all i want is it to be removed. I recently just disputed them once again and now they are going to stay on my report til XXXX which i find is unacceptable. I have written letters to all creditors one by one 2 years ago no response. I have also called them as well and no one can seem to help me. I am also working with Massachusetts attorney general because the school i have attended was shut down for where these loans were used for and i have been struggling for years to clear this off my report and i feel helpless now. I would like to see if i can get help to solve this for my future and my family as well. Please i would really appreciate this so much. 

Thank you Sincerely, XXXX XXXX
Consumer complaint received 2020-05-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: SYNCHRONY FINANCIAL (GA)

I am submitting a complaint against XXXX XXXX which is a third party company who has purchased an inaccurate collection list from Synchrony Bank. They are reporting to XXXX, XXXX, and XXXX that I owe there company XXXX on an account that is not my account. They are in violation of the Fair Debt Collection practice Act section 807-8 because they have no competent evidence bearing my signature showing I am contractually obligated to pay this debt. They are also in violation of the fair credit reporting act section 623-b. for defamation, negligent enablement of identity fraud violation. They are also trying to collect funds from my social security benefits.
Consumer complaint received 2019-11-15
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. (MA)

Good Afternoon, I have for many years been writing and calling ect. I have not been able to resolve this. When i go to get my credit report checked for an apartment or a car it shows 8 to 10 closed accounts since XXXX. I am in good standing with my loans for a long time now with a XXXX XXXX. I been denied for many years because it shows all account on as closed and all i want is it to be removed. I recently just disputed them once again and now they are going to stay on my report til XXXX which i find is unacceptable. I have written letters to all creditors one by one 2 years ago no response. I have also called them as well and no one can seem to help me. I am also working with Massachusetts attorney general because the school i have attended was shut down for where these loans were used for and i have been struggling for years to clear this off my report and i feel helpless now. I would like to see if i can get help to solve this for my future and my family as well. Please i would really appreciate this so much. 

Thank you Sincerely, XXXX XXXX
Consumer complaint received 2020-05-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX Company Inquiries XXXX/XXXX  XXXX CARD XXXX  XXXX  XXXX XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2020-05-25
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. (SC)

XXXX XXXX  XXXX XXXX reported a unsubmitted balance to my insurance as a founded balance to a collection agency called XXXX  XXXX XXXX XXXX whom failed to rendered supporting documentation that they are in compliance with services that would have been covered under insurance but, due to the negligence of the doctors office, as I was covered my XXXX  within the state of Maine as I was XXXX  and unemployed at the time. The provider and the insurance confirmed there was no bill and since they failed to submit the claim nor did they notify me in a timely manner ( until it was presented to collections ) the insurance will/did deny coverage because the claim is untimely. Moreover, substantial risks and delays associated with continuing to pursue their lien rights instead of being paid by the clients health insurance need to be brought to the providers attention as well, due to this gross balance causing a huge impact on my creditworthiness If not removed litigation will be set forth, and court will rule and i will sue to the negative impact caused over the years