davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-01
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. (MA)

Hello, it has come to my knowledge that the information reporting on my credit is Noncompliant according to the Metro 2 Compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!
Consumer complaint received 2021-09-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

A collection company named Portfolio Recovery Association has been harassing me with calls about a debt collection in the amount of {$450.00}. I havent done any business with this company and I have no contract with them. I would like them to stop the harassment.
Consumer complaint received 2021-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: SYNCHRONY FINANCIAL (NJ)

Paypal Credit Card Mastercard, It's been over a month trying to get a replacement card. I called them 3 times and spent over an hour each time trying to get my card sent to my home, still no card. 

They have the absolute worst customer experience, I literally had a rep tell me to try and go to the XXXX XXXX XXXX to try and get my card that was being sent back to Paypal since they put an incorrect address, I legit had to try that option but I couldn't. They made the mistake of putting the wrong address, then I opted for the card to be mailed and still no card. 

Still no card, I ask them for a resolution -none offered. They don't care and I regret even having an account with them. 

There customer service is atrocious, they keep you on hold forever and send you to several departments.
Consumer complaint received 2021-09-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XX/XX/2021, I purchased living room furniture from XXXX XXXX XXXX, I received two emails one dated XX/XX/2021 one stating thank you for your purchase the second email dated XX/XX/2021 stating we have processed your order, I was never contacted with a tracking number or estimated delivery date as website stated, by XX/XX/2021 after several emails, and phone calls, finally someone answered a resident whom claimed that the number I called belong to her residence she don't know why or how this company got her phone number, people keep calling her number, that's when I realized this was fraud, so I contacted Bank of America , on XX/XX/2021, spoke with XXXX who file initial claim over phone, ( claim number given XXXX ), Bank of America has fraud protection on my account so when my money wasn't credited back I call Bank of America again on XXXX XXXX, 2021 spoke with XXXX was told they contacted merchant and money will be credited back on XX/XX/2021 at XXXX. on XX/XX/2021 money was not credited back to my account called Bank of America again spoke with XXXX who said the same thing still nothing called back again and got XXXX, who tells me oh its going to take 45 days we are waiting to get the money back from the Merchant than we will issue you your money back, I begin to ask how is that if I am telling you the company does not exist, So I make appointment at the branch I opened my account at hoping to get somewhere, Mrs./Ms. XXXX XXXX assisted me on XX/XX/2021 called the fraud department spoke with XXXX from Arkansas, who assured me my money would be credited back to my account XX/XX/XXXX, or XXXX they had file the wrong claim thus the reason for the two different claim numbers : XXXX, Mrs./Ms. XXXX assured me that this will handled due to she was putting it in as escalated, Well I sit here today still without my {$1800.00}, and was told today by XXXX from XXXX she saw they expedited it but they have to get the money back from the Merchant 's bank and it shouldn't take 45 days, but if it did it will be issued by XX/XX/2021 this is well over 45 days, my initial file date was XX/XX/2021 therefore 45 days would be XX/XX/2021 and I am only counting business days. this is not fair any other time there's fraud or I purchase something and never received the merchandise I always receive a temporary credit until the claim is resolved. Bank of America advertise that your not responsible for fraud to your account they will cover it, well why is it not applying to my account.
Consumer complaint received 2021-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I requested my consumer report on XX/XX/2021 from Experian, XXXX and XXXX  XXXX XXXX XXXX. When I received the report, there were accounts and inquiries listed that I never gave consent to be reported. According to 15 USC 1681a ( W ) the term " bureau '' means Bureau of Consumer Financial Protection. At no time have I ever signed a contract with Experian, XXXX and XXXX  XXXX XXXX XXXX ( widely known as two of the three major credit bureaus ) that would allow them to report my private information and/or to third parties. In accordance with 15 USC 1681a ( q ) ( 3 ) this constitutes as identity theft.
Consumer complaint received 2021-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I requested my consumer report on XX/XX/2021 from XXXX  XXXX XXXX XXXX and Experian. Upon receiving the report, there were accounts and inquiries listed that I never gave consent to be reported. According to 15 USC 1681a ( W ) the term " Bureau '' means Bureau of Consumer Financial Protection. At no time did I ever sign a contact with XXXX  XXXX XXXX XXXX and Experian ( widely known as two of the three major credit bureaus ) that would allow them to report my private information and or to third parties. In accordance with 15 USC 1681a ( q ) ( 3 ) this is identity theft.
Consumer complaint received 2021-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm writing this complaint to help XXXX  and Transunion understand that I'm in the middle of lawsuit with XXXX XXXX over Identity Theft and I would be more then happy to AMEND them to this lawsuit that i have submitted. Under the FCRA XXXX  and Transunion are both violating my consumer right pursuant to 15 USC 1681a ( 2 ) ( B ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. As you can see you can not include any extension of credit to my consumer report which you have.

Also do not try to investigate to get information from anyone for the purpose of my consumer report info unless you have obtained information through personal interviews with neighbors, friends, or associates as it states pursuant to 15 USC 1681a ( 3 ) ( e ) INVESTIGATIVE CONSUMER REPORT.
Consumer complaint received 2021-09-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: World Omni Financial Corp. (FL)

I purchased a vehicle with Toyota finance..I currently paying {$630.00} for a XXXX XXXX  ... Toyota utilizes sells XXXX that will make you purchased a vehicle regardless that challenges that the consumer might face in the near future ... I need your help ... my fico score is currently XXXX. ... I always purchased the my vehicles from the same place ... .I feel like I have been played by the vehicle outside down transaction terminology ... .where people ends pay double for a vehicle..after the dealer satisfied the trade in vehicle ... .absolutely unfair for a buyer
Consumer complaint received 2021-09-01
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: WELLS FARGO & COMPANY (WY)

A withdrawal of XXXX on XX/XX/2021 took place in order to payoff a lien from a Wells Fargo Auto account. The next payoff amount on the lien of the vehicle was made on XX/XX/2021 in the amount of XXXX. This would be to fully satisfy and release the lien on the vehicle. We received the title for the vehicle in the mail, with the certification that this was fully satisfied on XX/XX/2021. 

We then received a statement in the mail stating that we owed money. This statement was dated XX/XX/2021 with an account statement that we owed XXXX Wells Fargo Auto then sent us a letter XXXX XXXX stating that there was a system outage and they were unable to process our account payoff of the vehicle. The outage was on XX/XX/2021 and XX/XX/2021. This outage happens to be at the same time our payments were satisfied. In the letter it states, that there will be a reversal of payment back into our account. There was no deposit back into our Wells Fargo checking account. 
This only shows the two withdrawals on XX/XX/2021 and XX/XX/2021 with no reversal from the " outage ''. 

I have reached out to many Wells Fargo customer service reps, with no help at all. There were numerous reps that led me down a rabbit hole, with nothing to show for, or a response that made me think they weren't taking this seriously. 

I have put in one complaint with the help of CFPB, with a response from Wells Fargo Auto. This was done on XX/XX/2021. I just received a status update from the Wells Fargo complaint management office on XX/XX/2021. My case # XXXX with XXXX XXXX. After a month of working on my case, Wells Fargo has come to the conclusion that this was not fulfilled due to the XXXX outage. They are stating the payment was made on XX/XX/2021, and never actually taken out, this is not true. My transaction history in my checking account clearly shows there was a payment withdrawn from my account on XX/XX/2021 and another on XX/XX/2021. They are stating that this was not debited according to their research. In conclusion, they are showing a balance of XXXX. They now want us to send back our title to XXXX XXXX, Wells Fargo Auto, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, NC XXXX. I feel like this is not being resolved, but only a bully maneuver attack by a big corporation, and not owning up to a mistake. 

A solution is for Wells Fargo to own up to their mistake, find where our money went, and to clearly release this from payment. We paid this in full, outage or no outage, nothing was credited to our account. We received the title and certificate that this was satisfied. This now needs to be resolved on the ownership of Wells Fargo Auto company. 

I would like them to stop sending me statements stating we owe them money, and a release of this company. This is a scam on their part, and needs to be dealt with immediately. 

Please review this case again. They are subject to their " outage '' mistake. 

Thank you, XXXX XXXX
Consumer complaint received 2022-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XXXX XX/XX/2022, XXXX XXXX sent a refund for {$3500.00} in a check that was written to myself and my ex-wife. The check was written as PAY TO THE ORDER OF : EX-WIFE & MYSELF. On XX/XX/2022, EX-WIFE endorsed and cashed the check without informing me that she had the check or my endorsement. Bank of America cashed the check without my endorsement as well. I called Bank of America informing them of the issue and filed a formal complaint. I received a call on XX/XX/2022 from the complaint department. They stated that the check should not have been cashed and that they were in fault, but there was nothing they could do. The case was closed leaving me less the money.
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I am writing to formally file a complaint regarding several collection accounts that have appeared on my credit report, which I suspect may be a result of identity theft. Despite my efforts to address this issue with the credit reporting agencies and the involved creditors, the matter remains unresolved. 

Upon reviewing my credit report, I noticed the presence of multiple collection accounts that I have no knowledge of and have never initiated. These suspicious accounts include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Thank you for your attention to this matter. I appreciate your efforts in helping victims of potential identity theft like myself find a resolution.
Consumer complaint received 2022-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One credit card authorized a merchant to charge me twice without my approval and although I had cancelled the original card and the merchant didn't have the updated credit card information, Capital One updated the merchant with the new credit card that I have yet to this day activated. I have been in dispute with Capital One since the charges in XXXX and they refuse to submit documentation they state they have that shows that I authorized the transactions. Not only are they refusing to resolve this issue for me, they are also stating that I never submitted proof, even though I did twice, once through a secure link and once via hard copies. They have now added late fees and interest charges that they are refusing to remove as well, even though I have not had a single transaction on the account and it has been in dispute since XXXX.
Consumer complaint received 2023-10-07
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the fair credit reporting act XXXX  account numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX- Account # XXXX XXXX- Account # XXXX XXXX- Account XXXX XXXX All accounts from these companies Has violated my rights 15 U.S.C16 81 section 602A. States I have the right to privacy.

15 U.S.C 1681 section 604A. Section 2 : also states a consumer reporting agency can not furnish an account with my consent.

The accounts listed above not only are in accurate but also reporting as ( PAST DUE ) on my report which is a VIOLATIONS. 

Continuing to collect on a closed ( debt ) account after it has been sold unlawfully theres also a violation to a third-party damaging why credit leading me further to financial hardship.
Consumer complaint received 2022-08-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

I reached out to PHH Mortgage Services back on XX/XX/2022 about having my PMI removed from my mortgage. They mailed me a form to request an appraisal and charged me {$150.00} to do so. I filled out the form and mailed it back to PHH with the check. PHH cashed the check and scheduled a property appraiser to visit my home to perform the appraisal. The property appraiser visited my home in XXXXXXXX XXXX ( I don't have the exact date, it was near the end of XXXXXXXX XXXX ) and performed the appraisal. Its been a month now, but they have failed to drop my PMI. I opened a case with PHH early XXXX to find out why it was not dropped quickly as it is clear my property has increased in value enough to drop the PMI. 

Ive emailed customer care at PHH on XX/XX/XXXX, but have not received a response. I emailed again on XX/XX/XXXX and again, no response. I called Customer Care just now, XX/XX/2022 and when I requested to speak to a manager, all of a sudden, they couldnt hear me. It took me over 6 minutes to reach a customer service representative, navigating through a myriad of options that kept sending me back to generic loan information. I had to enter my last 4 ssn numbers 3 times before I finally got to a representative. This is unacceptable. The voice response was unacceptable going through loops and the representative making excuse to not escalate my call to a manager.

I paid PHH for the appraisal, but they have failed to drop my PMI and several attempts to resolve the manner have failed. Customer service is terrible.
Consumer complaint received 2021-09-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (TX)

On XX/XX/2021 I signed a loan modification agreement with Citizens One XXXX XXXX. I was originally told that I had 3 trail payments which were XXXX XXXX, XXXX XXXX and XXXX XXXX which were all paid. I was informed after that my loan modification would start XX/XX/2021. I started making my payments XX/XX/XXXX as requested and I continued to receive mortgage statements stating that my payments were past due. I called and I was informed that I owed a payment in XXXX. I informed the mortgage company of the previous agreement and every time I called the representative would pull up the notes and say ok I reviewed the notes and you don't owe a payment for XXXX. The company told me it would take a couple of months for their system to reflect the updated modification. I would have to call monthly and I was told the same information every time I called which is I was current on my payments. In the month of XXXX their system was finally updated and it showed I was a month behind. The new updates also displayed loan terms that were different from the modification we agreed on which is a loan of {$100000.00} for 30 years ( which payments from XXXX and so on should be applied ) and a second loan of {$40000.00} which is a HUD loan. I believe my payments have been misapplied. I requested detailed info on how the company arrived at the loan amount and how the payments have been applied before and after the modification with no response. I also believe the company is attempting to make me pay extra money when it's not warranted. Please investigate.
Consumer complaint received 2021-11-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX XXXX XXXXXXXX I spoke with customer service at Bank of America in regards to making XXXX  payments and the protections should the transaction be fraudulent. I spoke with " XXXX '' ( XXXX : XXXX ) who incorrectly advised me that if fraudulent, I would be able to file a claim to get my money back. This was not the case Series of events XX/XX/XXXX XXXX XXXXXXXX I spoke with XXXX : XXXX ( XXXX ) XX/XX/XXXX XXXX XXXXXXXX I spoke with XXXX : XXXX ( XXXX ) Following that call, the following XXXX payments were made on XX/XX/XXXX {$800.00} to " XXXX  '' {$600.00} to " XXXX  '' {$1500.00} to " XXXX '' and on XX/XX/XXXX {$1100.00} to " XXXX '' On XX/XX/XXXX I called several times XXXX XXXX  11 mins - To report fraud XXXX 3 mins - Voice mail XXXX 13 mins - XXXX department I believe XXXX 95 mins ( filing claim with fraud department On XX/XX/XXXX I also filed the following Complaint with Florida Attorney Generals Office Complaint with ITC3 Internet Fraud Police Report XXXX XXXX County Sheriffs Office , FL On XX/XX/XXXX I spoke with a XXXX of BofA to get information so I could file a complaint with BofA. XXXX confirmed the call history, and provided me the agent 's id. I was then told to contact XXXX XXXX in the Client Care Department to register a complaint XX/XX/XXXX I sent email to XXXX XXXX stating my claim. 

XX/XX/XXXX Spoke with a " XXXX '' from bank of america regarding my complaint. SHe told me she would research the call on XX/XX/XXXX to determine exactly what advice I was given. 

XX/XX/XXXX - " XXXX '' called back and said that the recorded call on XX/XX/XXXX does not exist and that there was no call history for my account prior to XX/XX/XXXX. This contradicts my phone records and the info previously provided to me in other calls to BofA. 

It is my firm belief they are not acting in good faith or with due diligence
Consumer complaint received 2022-08-29
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: Bread Financial Holdings, Inc. (LA)

I am writing a letter about a pressing request concerning a XXXX XXXX XXXX XXXX  in my credit files that I would like to have revised. I received the XXXX Comenity card in XX/XX/XXXX and never missed a payment. In XX/XX/XXXX, I experienced XXXX damage to my home and was unable to live in it. I did not have Utilities or mail service. I recognize my responsibility with respect to making sure my payments are received on time and until XX/XX/XXXX, I never missed a payment, and my account was at a XXXX balance. I never made a purchase on my XXXX  XXXX  in XX/XX/XXXX ; therefore, when I received the call from Comenity bank collections in XX/XX/XXXX, I was in total shock. She informed me that my account was well over 45 days past due and without reviewing the charge, I immediately paid the bill to avoid any further fees and to bring my account current. 
Once I was able to log in the account, I was appalled. The charge in XX/XX/XXXX was not an authorized charge. It was for a O membership that I did not give authorization to charge. I immediately called XXXX and the customer service member reversed the charge and credited my account for the {$21.00} unauthorized charge. I assumed that would correct the credit reporting issue ; however, it did not. Comenity bank issued me a refund by check for the {$21.00} because my account had a XXXX balance but did not reverse the payment history to reflect I never missed a payment. 
After losing my home, I begun to shop for a mortgage, and it has come to my attention that the late notations from my XXXX card ending in XXXX has caused me to disqualify for a loan. Since those notations do not reflect my true payment history, I am requesting revise those tradelines. I have reached out to the company, sent in proof of the reversal and contacted the credit bureaus. Nothing has been done. I ask that you respond within 30 days by removing the negative mark from all credit bureaus.
Consumer complaint received 2021-09-01
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. (GA)

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.