davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-14
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 (IL)

I had a car loan for a XXXX Honda XXXX XXXX. I paid the bill timely ran into some employment issues filed a Chapter XXXX with the car loan paid slightly ahead. While being paid through the chapter  XXXX I was also making additional payments on the car loan to Honda financial services. The car was totaled in XXXX. XXXX XXXX XXXX XXXX   paid off the balance of the car before the end of the chapter XXXX. XXXX XXXX made an overpayment and a balance of {$130.00} was returned to me. Honda financial services then tried to recoup the one {$130.00} overpayment from me. I filed a complaint after they added this to my credit report. They told me that they would remove it. They never removed it and now are also refusing to remove the charge off status for the {$130.00} overpayment that was returned to me. I have the actual payoff letter from Honda financial stating that the car was paid in full. Currently when I call the representatives are ruled they refused to allow me to speak to a supervisor they hang up in my face and they refused to answer questions. I am hoping that someone would be able to help me rectify this issue.
Consumer complaint received 2020-10-14
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: Waypoint Resource Group, LLC (NY)

I DISPUTED SEVERAL ACCOUNTS ON MY CREDIT REPORT THAT WAS OPEN FRAUDENTLY WITH THE 3 CREDIT BUREAUS XXXX, XXXX   AND XXXX. I HAVE ALSO FILED AN FTC REPORT
Consumer complaint received 2020-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BOEING EMPLOYEES CREDIT UNION (RI)

I applied and was approved for membership with BECU in XXXX. This was my tenth time applying ( my   partner has an Acct and we wanted to make them joint ) - and after sending in all the required documents and funding the account from my XXXX XXXX checking my checking and savings accounts were opened. 

I decided to apply for a credit card and was approved. However when the credit card came I could not activate it. After NUMEROUS calls to BECU I was informed that I didnt pass their fraud screening test and that all my accounts were closed and to throw away the credit and debit cards. ( Mind you they hard pulled my credit report and XXXX AND my debit card still works - but supposedly Im not a member ). 

The problem now is that they are reporting this credit card to all the credit bureaus as an open active account when in fact they claim this was never opened. 

I would like them to at least remove this account from my reports as it is fraud in their eyes anyways. Of course in their responses they never mention the credit card because they know it is still reporting but how could that be?!?
Consumer complaint received 2020-10-14
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: ENCORE CAPITAL GROUP INC. (NY)

I DISPUTED SEVERAL ACCOUNTS ON MY CREDIT REPORT THAT WAS OPEN FRAUDENTLY WITH THE 3 CREDIT BUREAUS XXXX, XXXX   AND XXXX. I HAVE ALSO FILED AN FTC REPORT
Consumer complaint received 2020-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NJ)

A few years ago, I want to say early 2000 's, I froze my credit with Experian after watching a new report about identity theft, and then later on, in late 2000 's, I decided to unfreeze my credit, as I realized that I couldn't do anything like get loans or credit cards with my credit frozen. I attempted several times to work with Experian to unfreeze my credit. I initially called them, and after some hassle with their automated system, I was able to speak to a person who asked that I send them proof of my identity, since I did not have the 4 digit number they claimed I had gotten when I froze my credit via their website. I sent them a copy of my ID, proof of address, SSN, and some other paperwork that was requested. They then contacted me and said they could not use the copy of my ID as it was unreadable, as it was too small. So, I then enlarged my next copy and sent it to them. They then refused to unfreeze my account as they said that they could not authorize the unfreeze as they could not prove it was me. Which I do not understand as I sent them everything they had requested several times. I no longer feel comfortable resubmitting my information again, as I do not know what they did with the other info I sent before, and it's become uncomfortable for me to keep sending them my info. when they keep telling me they can't verify my identity.
Consumer complaint received 2020-10-14
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: Navient Solutions, LLC. (PA)

I am filing a complaint of non-compliance against the following collection companies : 1 ) XXXX XXXX 2 ) NAVIENT 3 ) XXXX XXXX   This is formal complaint that you have failed to respond in timely matter to my dispute letter deposited by certified registered mail with USPS.

Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the FTC ( see 15 USC 41, et seq. ). I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. ( I have attached letters I sent to XXXX  and all 3 companies ). The following on the letters needs to verified : In 2000, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the PCM for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the  consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account. Consent Decree Order, Section II. As per FTC opinion letter from Attorney  General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter.
Consumer complaint received 2020-10-14
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Honestly I do not know the laws governing this issue or if I have a legitimate complaint. Unfortunately I have a few collections on my report because of myself being on XXXX and just can't pay them. The collections agencies close and open add and remove collections accounts at will. One moment the collection is on my reports and then they close it and remove it which causes my score to go up and down constantly. It is taken off my report and closed and as soon as my score goes back up they report it and open it again. This can't be fair can it? How am I suppose to get to a point where I can get back on my feet to even pay them when they play this game with the credit report. I have contacted the credit bureaus and they say the account is verified but i know this is an automated feature and no one actually looks at the information which is another unfair situation. I have been affected by the pandemic and this is really stressing me out there has to be something that can be done to stop them from playing games with my reports.
Consumer complaint received 2020-10-14
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings (TX)

Good afternoon, On XX/XX/2020. This account was placed on my credit report as a collection for the amount of XXXX. However, I never received any notification of this debt. I tried to get the company to verify this debt but they did not send me anything that shows that I owe this debt and I sent this on XX/XX/2020.
Consumer complaint received 2020-10-14
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

Please refer to complaint # XXXX this is my response to the company because their representatives violated FDCPA and TCPA laws. Portfolio Recovery XXXX Associates contacted me many times during the month of XX/XX/2020. I advised numerous times for the company to quit calling and to communicate via US mail. They did not honor such request, and the representatives did not provide me with the address to send a cease and desist letter. The company states that they do not have record of the calls made to my phone number. The reason for this could be that I was called from a series of phone numbers, not just one phone number. The following are dates and phone numbers I that I was contacted by this company after advising that I did not want them to contact my cell phone, and to send information via US mail. I was told that they could not stop these calls until I verified who I am by giving them the last 4 of my Social Security Number ( which they provided XXXX, date of birth, address, and phone number. I was advised on XX/XX/2020, that the company would continue to call until they could verify who I am- this alone is harassment. This is blatant disregard for the law and harassing behavior from this company. This company contacted me each time with an auto dialer, which is a willful violation of the TCPA. On XX/XX/2020, the day that I filed my original complaint, I called the company and spoke to a woman who identified herself as an executive assistant. Once I advised the executive assistant that I was filing a complaint, the calls stopped, but why the harassment for over a month? This company has willingly and knowingly violated my rights under the TCPA and FDCPA and I am seeking compensation for emotional distress, harassment, calling with an auto dialer ( after being told not to ) not sending the information regarding the debt in the US mail, as I requested. I can also request a recordings of these calls because they will provide proof that I advised to contact me by US mail because I am not giving my personal information out to a complete stranger, but this company did, and you can tell if you listen to the phone calls, they provided the last 4 of my SSN and my address trying to confirm who I was. I should also mention that the representatives with this company never provided what business they were calling from, they always said their name and asked my name, last 4 of SSN, and address. 
XX/XX/2020 ; XXXX XX/XX/2020 ; XXXX XX/XX/2020 ; XXXX XX/XX/2020 ; XXXX XX/XX/2020 ; XXXX XX/XX/2020 ; XXXX
Consumer complaint received 2020-10-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: TD BANK US HOLDING COMPANY (NJ)

On XXXX XX/XX/2020 I tried to access my account with TD Bank. I noticed that my password wasn't working. After changing my password and looking at my accounts, I noticed that I had {$1000.00} less on my Landlord account, which is always at a specific balance. Then I noticed that my checking account had a transfer of {$1000.00} on XXXX XX/XX/2020 to a XXXX XXXX through an app called XXXX that is available on the TD Bank website. The only time I use this app is to pay my rent to my landlord, which is clearly documented on my transactions with XXXX. I do not know a XXXX XXXX, nor did I send him {$1000.00}. 
I called the bank and also went to the bank and closed all my accounts and opened new ones on XXXX XX/XX/2020. They filed a claim the same day at the bank. I gave them time to investigate the claim and on XXXX XX/XX/2020 when I didnt hear back from the bank I called again and was told the claim was denied. They also told me that I should call the person who is on the transfer information which has a phone number from Florida. I called that number and got a answering service the first time and the second time, he said he didnt know who I was and didnt have my {$1000.00}. I went back to the bank to get an explanation as to why this was denied and was told the claim was denied on XXXX XX/XX/2020. They told me that I would need to file a police report. That same day I went to the police station and filed a report. Currently investigator are reviewing the documents they asked me for. When I got home I had a letter from TD Bank stating the claim was denied and I could request documentation of the investigation the bank did. That same day I called the bank and ask for the documentation. I spoke to XXXX and she listened to my story and looked at my file and said that this looked questionable and she resubmitted my claim that same day. I called the bank again on XXXX XX/XX/2020 to check the status of the resubmitted claim and XXXX told me the claim is still pending and that is a good sign because usually they deny them right away. He also told me that he sees some questionable activity on my account from IP addresses from Florida and another location. I gave them another few days and called them again on XXXX XX/XX/2020 and spoke to XXXX who told me that he doesnt see anything in the system at all from the resubmitted claim from XXXX XX/XX/2020. He said he could only go back to XXXX XX/XX/2020. He suggested to submit the claim again. This is going on for over a month and all I am getting is the run around with no resolution.
Consumer complaint received 2020-10-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I want you to delete this account from my credit report. This account is not mine, i would never ruin my credit this way. Its affecting my everyday life, I'm not able to get insurance or anything. I already try to fix it with the store and they told me they cant do nothing about it and i believe this is very unfair. to have to pay for something that's not mine.
Consumer complaint received 2020-10-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (OK)

Disputed with the company on XX/XX/2020. Company received my disputes as it shows according to my certified mail receipts. It is now XX/XX/2020 and I have not received back from the company any information in regards to verification of these debts. The FCRA gives the company 30 days to respond. I have not received a response. This has been my 2nd attempt to resolve this matter with the creditors listed on my report and the credit bureau reporting this information. The bureau is in direct violation of my consumer rights because they have ignored my requests for there methods of verification and documentation used to validate these debts. XXXX  has already removed several of these unverifiable accounts and yet XXXX and Experian are still reporting some of them. XXXX  in particular has not even responded to my dispute request at all. Experian is continuing to claim that these accounts are certified or verified but has not provided me with any proof of the matter, although I requested it way more than 15 days ago. This is a violation.
Consumer complaint received 2020-10-14
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: Experian Information Solutions Inc. (FL)

I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I do not have access to the documents related to these accounts, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need.
Consumer complaint received 2023-01-12
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. (TN)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXXXXXX Balance : {$17000.00} XXXX  XXXX Balance : {$18000.00} XXXX  XXXX Balance : {$22000.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$300.00} XXXX XXXX Balance : {$870.00}
Consumer complaint received 2020-10-14
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

My father, XXXX XXXX XXXX, owned a CD at Bank of America. The CD was in his name and in the name of " XXXX XXXX XXXX Living Trust. '' XXXX XXXX died XX/XX/XXXX. 

The XXXX XXXX XXXX Living Trust was revoked on XX/XX/XXXX but Dad failed to notify Bank of America of the change. The CD thus remained in the name of the trust upon his death. 

I, XXXX XXXX XXXX, am personal representative and executor of XXXX 's will. 

I first contacted Bank of America on XX/XX/XXXX regarding the CD. Due to a misunderstanding I provided the wrong information at first. But on XX/XX/XXXX I had a conversation with XXXX XXXX in the estate management department of Bank of America who told me what needed to be done. 

I followed XXXX XXXX 's instructions. On XX/XX/XXXX I submitted a notarized Letter of Instruction and Account Closure Request, death certificate, and Letter of Administration of a Small Estate from the XXXX XXXX, MD, Register of Wills to Bank of America. I obtained an EIN and opened a bank account for the estate of my father to receive the check from Bank of America upon closure of the CD account. 

On XX/XX/XXXX I received an email from XXXX XXXX. She informed me that the closeout had been rejected. She said she would make a complaint. I never heard from her again. 

On XX/XX/XXXX I received a phone call from XXXX at XXXX who identified herself as a representative of Bank of America 's estate department. She told me that by the end of the day, or at the latest by Friday, XX/XX/XXXX, she would call back regarding the resolution of the CD account. She never called back. 

I called Bank of America 's estate department today XXXX, ext. XXXX. No one answered. I was on hold for nearly 70 minutes. I hung up. Then I called XXXX at XXXX. She did not answer. I left a message. 

There is no reason for Bank of America to make it so difficult to obtain the funds in my deceased father 's CD. This is NOT Bank of America 's money. It belongs to the heirs of my father. This almost amounts to theft. What I have been through is absurd.
Consumer complaint received 2020-10-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (CA)

I am contacting Federal Reserve consumer ( consumer financial protection bureau ) regarding this branch and XXXX XXXX. 
This guy working at US Bank XXXX XXXX XXXX. XXXX CA XXXX doing some shady stuff. 
XXXX XXXX is withholding my father money. he put the block and my father for the past months cant access his account and money. 
I have been calling the main office and corporate office and no body take care of the issue. This guy XXXX XXXX is controlling the whole entire bank system. 
He XXXX XXXX could be stealing and touching peoples account and money without permission and there is no one above him to supervise his misconduct. 
My father had XXXX and XXXX attach past few months and he knows that my father is an elderly. 
I will report XXXX XXXX also to adult protective services for elderly abuse as well.
Consumer complaint received 2020-10-14
Product: Mortgage — Conventional home mortgage
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Specialized Loan Servicing Holdings LLC (GA)

As of XX/XX/2020 SLS manually reported to the bureaus an updated balance and now the payment history is not showing on the credit report, causing the score to drop. I have attached pictures showing what my credit payment history looked like with payment history reporting and what it looks like now
without it reporting since your last manual update on XX/XX/2020. 

The credit report now shows no payment history for any of the months.

I am closing on a new house. I was supposed to close this week but due to your error my new loan is now in jeopardy.