davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-02
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. (TX)

While I was checking my credit reports I kept seeing different addresses that were listed as " previous/ current '' address in which I do not have any affiliation with except one of the address in question. The address that is listed on my credit report that I have any affiliation with at all would be my ex wife 's address located in another state that I have never personally been to nor have I ever used on any applications whatsoever. I have notified the credit reporting agencies about this very concerning and fraudulent matter asking for them to remove the addresses listed not associated with me after being denied more information about the addresses in question and what accounts that they are connected to ; even though it is my right as a consumer to have my credit report accurate and upated.
Consumer complaint received 2021-03-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (ID)

In XX/XX/XXXX Community Loan Servicing said that I had contact them to do a modification on my loan so they started the process of that which begins with a house appraisal. I contact them and said that it was a HUGE MISTAKE, I didnt asked for that, my payments were and are up to date. Last time I was late on a payment was in XXXX. The result of this mistake is that according to them I have to pay for the paper-work related to the loan modification, the one that I did not requested!. 
In XX/XX/XXXX I was finally able to talk to XXXX XXXX who is my account representative and said that the charge was going to be removed. Today in XXXX The charge still showing in my statement and when I called I was told that the charge cant be taken off and that my representative couldnt talk to me. I had to be put on hold for over an hour and be transferred to three different people just to hear that answer. 
Why do I have to pay for their mistakes?? 
I really need help with this!
Consumer complaint received 2021-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (TX)

XX/XX/XXXX At Wells Fargo, I have had account since year XXXX. Wells Fargo is constantly making account " Dormant '' starting XXXX suddenly. I did not agree to such terms and conditions. They need activity and deposits account every month. I have verbally and in writing notified them that i do NOT agree and i never did agree to such terms when i opened account in year XXXX.
Consumer complaint received 2022-11-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CT)

On XX/XX/2022 I sent a certified, return receipt requested cease and desist letter to Portfolio Recovery regarding this debt which falls into the Statue of Limitations of owing this debt. I received the notification that the letter had been received on XX/XX/2022. The debt is over seven years old. I receive a phone call every day from this company.
Consumer complaint received 2020-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY (GA)

I opened this nordstrom account many years ago. I paid it off when I moved overseas. While living overseas `I was a victim of identity theft. I made several attempts to contact this company while overseas but to no avail. I even ended up paying most of the outstanding balance which was not my collection.
Consumer complaint received 2020-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

The bureaus not following the law.. They have not provided me with any of my investigation results.. I have sent out several disputes and they are not complying with the law.. I demand concerns be resolved and deleted off my credit report.
Consumer complaint received 2022-02-22
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: SYNCHRONY FINANCIAL (VA)

in pursuant to [ 15 USC 1681b ] a reporting agency may furnish a report on a consumer if it has written consent or a court order and SYNCHRONY BANK has neither. SYNCHRONY BANK is acting as a consumer reporting agency under [ 15 USC 1681a ( f ) ] because they regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. Also, I ceased all communications with SYNCHRONY BANK through all mediums except mail. SYNCHRONY BANK has acknowledge my cease and desist but failed to abide by my written request and are still communicating with me ( consumer ) through consumer report which is violating the means of cease and desist sent to SYNCHRONY BANK.
Consumer complaint received 2022-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Top Flight Assistance (Top Flight Credit Assistance) (CA)

I saw an advertisement on XXXX about this credit repair company claiming to fix your credit score and delete collections from your record. I called them and spoke to a person name XXXX, I explained to him my situation which is that i was looking to buy a house with my fiance soon but the only thing stopping us was my credit score. I also told him that I needed to move out my place within 90 days of the day I spoke to him which was on XX/XX/2021 and he then said, no problem they can fix my credit score within 60 days or so. I asked how much and he told me {$2800.00} dollars for the VIP service and that I will then receive a credit line that was already used for over 5 years and that will be my new credit score within the 90 days. I told him i could not afford to pay {$2800.00}, he put me on hold then told me he can do the same deal, " VIP service, credit fixed in less than 90 days with a credit line for {$1400.00} but only if i paid upfront. So i agreed, it all sounded very promising. I then proceeded to give him my card information, he took all my information down debited {$1400.00} from my card instantly but then they never answered my phone calls. I have received 2 messages from them ever since, asking me to upload and update my information and thats it. My credit score never improved XXXX single point, I have never been able to contact them, and I most definitely have not being able to even apply for a house with " the credit line '' they said I will get within 90 days. I feel so betrayed and fooled. They definitely need to give me my money back or they all need to go to jail. It is so sad to think they are doing this to many other people. I still see their ads on XXXX and XXXX but if I call them they never answer their phone and on their website they have a link to their email but if you write them they do not reply. I tried to get my money back through the bank but the bank said they couldn't do it because it had been longer than 90 days since I made the purchase of this service. They are getting away with my money and still on social media ads trying to get other people when they know XXXX  well they do not fix anything or wont answer once you pay them. Please do something. Im so mad they took my money by deceiving me, they took advantage of my need and capitalized on it, I was vulnerable and they took my money furthering my chances of buying a house. I tried to contact them just now and their phone message says they are open monday through friday XXXX it is tuesday XXXX pm but no one is there to answer. Its a web of lies. This is fraud at its finest, scam XXXX taking advantage of people in need.
Consumer complaint received 2022-07-02
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Central Mortgage Funding, LLC (GA)

This all started in XXXX when I attempted to refinance with central mortgage funding LLC but we had multiple issues within the two months it took to close. The rep initially promised a lower rate than we were getting with our current lender. It turned out my score was just under what was needed so he stated I could remove my name from a card I was the joint owner on and that would move my score up. So, I did this and it did not work. He then stated I would need to put {$700.00} on the card I just took my name off of in order to move the credit score. When I stated that was not an option, because who has {$700.00} sitting in the bank and needs a refi anyway, he stated that the credit bureau had that account under investigation and we would have to go a different way to get the loan. 
Over the next month, we signed paperwork to start the process, which I thought was strange because I had refinanced before and only signed one set of paperwork at the end. The rep assured me this was just their process. I continued to ask questions regarding the total monthly payment and expressed concern over the bill continuing to be raised. He stated that based on the interest rate and the low score it was just part of the process. Two months in I was persistent in getting the final numbers before closing and was informed he would call the day before and go over all the paperwork. HE NEVER CALLED. The final paperwork was due to be signed and we were told at the table what the payment would be. It was on the high end but as long as we were getting the cashback we expected it would be fine. We signed and were told a couple of pages were missing but if they needed us to sign them they would call. We never got a call so we waited the expected three days for the cash to be deposited. The days went by and we started calling the rep asking what was going on. He said it's based in California so it may take an extra day or two to hit the account. By the end of the week if finally does end up in the account but we were {$5000.00} short of what we asked for. When I spoke with the rep he stated it was an oversight and nothing could be done since it was past the three days but in six months if we refi with them again we won't pay closing costs. When I explained that is not okay and this needs to be fixed, he sent me to the branch manager who again reiterated that since we are past the three days they can not do anything to correct their mistake, even though the original paperwork clearly showed the intent to have the additional funds pulled from the refinanced loan. 
This has been the absolute worst experience I have ever had with a company. I am now having to refinance the refinanced loan with the original company, which means double closing costs on what we originally wanted, just to get away from this company. DO NOT USE THIS COMPANY. They will swindle you out of your money and attempt to blame you for allowing it to happen.
Consumer complaint received 2021-04-12
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. (TX)

Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2022-07-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY (NJ)

TD bank allowed someone to open an account in my name and address. I contacted them to report this account was fraudulent, after receiving a bank statement. I spoke with their fraud department, who assured me the account was being closed. However, I just received another bank statement from them for this fraudulent account. I will be personally driving to the closest bank branch to demand answers as to why this account was not closed. I have never had an account with this bank and never will.
Consumer complaint received 2022-10-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (NC)

This company charged me a XXXX dollar nsf fee for a payment that was XXXX cents short. I am unemployed and waiting for my XXXX approval and to have XXXX these fees that Truist keeps charging me are keeping me from buying groceries! When I noticed the discrepancy I immediately tried to remedy it. As you can see by my attachment.
Consumer complaint received 2022-07-02
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. (TX)

There are inquiries on my credit report that I did NOT benefit from and that I did NOT authorize, they must be deleted. This constitutes as fraudulent activity due to the unauthorized use of my credit card ( social security number ). I have reached out numerous occasions ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) about such issue and this will be the last time before seeking legal action. 

As I told You ( " EXPERIAN '' ) before, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I did not give you ( " EXPERIAN '' ) permission to furnish this this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b which constitutes as fraudulent activity and is also a serious breach of my privacy rights. 

I have demanded you ( " EXPERIAN '' ) validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature you have not and seems as if you can not. I've demanded you ( " EXPERIAN '' ) to produce a contract between you and I, consumer, bearing my signature showing that I gave you permission to furnish any information on my behalf. You have not and seems as if again can not. 

In absence of such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 

If my demands are not met then legal action will be taking for damages due to lack of compliance. If you ( " EXPERIAN '' ) will not abide by the laws that govern you I definitely don't want to do business with such company and will request my information be removed from your records.
Consumer complaint received 2022-10-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I am writing to report that I am a victim of identity theft, and I have enclosed copies of my police report, identity theft report, drivers license, Social Security card, and proof of my current address to verify my identity. I am formally requesting that you immediately block and remove the fraudulent information detailed below from my credit file. 

I recently obtained a copy of my credit file, and it includes information that does not relate to any transactions I have made. This is not a regular dispute, and I have filed a complaint with the Federal Trade Commission to document my identity theft.

Per Sections 605B, 615 ( f ), and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), I am requesting that you block and delete the following fraudulent accounts and incorrect personal information from my credit file within 4 days of receiving this letter : Incorrect Personal Information Account Number : Former : XXXX XXXX XXXX Incorrect Personal Information Account Number : Former : XXXX XXXX XXXX Incorrect Personal Information Account Number : Also Known As : XXXX XXXX XXXX Incorrect Personal Information Account Number : Also Known As : XXXX XXXX XXXX Identity Theft - Inquiry Creditor : OneMain Date of Inquiry : XX/XX/XXXX Please remove this from my credit report. 

Identity Theft - Inquiry Creditor : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Please remove this from my credit report. 

Identity Theft - Inquiry Creditor : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please remove this from my credit report. 

Identity Theft - Inquiry Creditor : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please remove this from my credit report. 

Identity Theft - Inquiry Creditor : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please remove this from my credit report. 

Identity Theft - Inquiry Creditor : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please remove this from my credit report. 

Identity Theft - Inquiry Creditor : XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX Please remove this from my credit report. 

Identity Theft - Inquiry Creditor : XXXX XXXXXXXX XXXX  Date of Inquiry : XX/XX/XXXX Please remove this from my credit report. 

Identity Theft - Fraudulent Account Creditor : XXXX XXXX XXXX Account Number : XXXX Please remove this from my credit report. 

Identity Theft - Fraudulent Account Creditor : XXXX XXXX  Account Number : XXXX Please remove this from my credit report. 

Identity Theft - Fraudulent Account Creditor : XXXX XXXX XXXX. 
Account XXXX : XXXX Please remove this from my credit report. 

Identity Theft - Fraudulent Account Creditor : XXXX XXXX Account Number : XXXX Please remove this from my credit report. 

Identity Theft - Fraudulent Account Creditor : XXXX XXXX XXXX  Account Number : XXXX Please remove this from my credit report. 

I expect prompt attention to this matter, and I look forward to receiving confirmation once the fraudulent information has been removed.
Consumer complaint received 2022-07-18
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello I'm having a hard time getting bofa to replace my edd funds which were stolen from me I applied for edd back in XX/XX/2020 and I never heard from them again so I thought I was not approved well come to find out someone stole and activated my debit card out of my mailbox they took over my account and now I keep having my claim denied and it's says reason for denial is there is no posting errors whatever that means please help I'm really going thru alot with them its been months now back and forth thank you for your time
Consumer complaint received 2024-11-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (IL)

Company : Hyundai Motor Finance ( XXXX ) XXXX, XXXX XXXXXXXX XXXX Auto accident on XX/XX/XXXX, total loss. On XX/XX/XXXX Hyundai Motor Finance received {$3300.00} from Hyundai XXXX XXXX. On XX/XX/XXXX received {$25000.00} from XXXX XXXX XXXX. On XX/XX/XXXX received {$8500.00} from GAP Benefits. The last payment had the auto pain in full with an overpayment of {$3300.00} that was to be refunded to me. I called several times, to include today XX/XX/XXXX about my refund, every time it was a different story. Today the said that the overpayment was going to go back to GAP, I spoke to GAP many times and the last conversation they stated that the overpayment needed to go to me. This company has always had a different answer to all my calls, they keep telling me changes, but no proof of policies that dictated what they were telling me. I feel that I am getting the runaround, I was told that I should be getting the refund in 10 to 14 days, now it has been 45 days.
Consumer complaint received 2022-06-28
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. (GA)

On XX/XX/2022 I sent a letter disputing several inaccuracies on my credit report. The company continues to state that the inaccuracies are verified. NONE of the disputed accounts have been DELETED from my credit file. 

ALL account are inaccurately reporting which goes against my rights as a consumer according to the FCRA
Consumer complaint received 2022-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NY)

I have two credit cards through come out. Victorias Secret and XXXX. Im unable to make any payments and it has been for well over a week now and you can not get in touch with Comenity. I dont want this affecting my credit score or to be charged late fees due to their system problems.