davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (MD)

One of my problems ; This car Start giving me problems in XXXX. In XXXX I start checking my contract. My credit score at that time when my purchase was around XXXX to XXXX XXXX. I went to the Truist bank, They refused to give me any information.They told me to go back to the call dealership. I've been going back and forth from the bank to the dealership. They gave me. 
Interest rate XXXX My note is {$430.00} a month. When I did the chicken about 3 months ago? My interest rate should have been a XXXX Off the credit score I had at that time. They grade me as an interest rate XXXX and under. When I went back they say now today you got a good interest rate. Second problem ; Since I start asking questions about my interest rate And got in touch with the headquarters, I was three months late Due to sickness and it slipped my mind, it was in XX/XX/XXXX. I call them in XXXX to make a payment, They said you haven't made a payment since XXXX. I said can't be your never call me. You'll always call me when I'm 5 days late from my due date. Why I never got ta call. They say I have no number on file. I said because y'all calls me. I think this was a conspiracy against me. This took XXXX parts off my credit. The third problem ; I've been having problems with the engine when it was around XXXX miles. Now XXXX Car insurance Warranty. XXXX warranty end at XXXX I do not like driving this car a distance. It would get overheat, without the needle moving. the engine is knocking They say every week you might have to put oil in twice. They're just dragged me alone. The last time I was there I. 
Was humidinated embarrasses. They see that the engine had no oil in it. So this time it had another problemthe engine cord, They say to fixed that problem.It 's gon na cost about XXXX XXXX, I say I don't have that right now, So they let me left, with out change oil. say I refuse to get my oil changed. That was written on the paper. Why would I say that when I know this engine giving me problems. Like I said, the last time I was there a couple months ago. I was humiliated. I never want to go back there again. They did it in front of everybody. So how can you help me? Cause I want all my money back form this car. I never want to go back there again, never. Thanks for your time, but please refer me to someone. Because I need to take this to court. I never wantna go back there again.
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: World Omni Financial Corp. (SC)

Ive tried online disputes 3 times already and they only come back saying account was verified. I was told the account was closed but it is still showing as open. Theres a balance of XXXX with monthly payments of XXXX. Theres no way we can owe XXXX a month if the whole amount owed is XXXX. I contacted southeast Toyota finance today and they told me it wasnt their issue and I needed to call the reporting agency. XXXX, the XXXX reporting agency Ive checked, told me it was the companys responsibility. So Im just trying to get this fixed! Any help you can give would be greatly appreciated!
Consumer complaint received 2022-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc (NY)

On Saturday morning, XX/XX/2022, my car was broken into and my PayPal debit card was stolen and used fraudulently at several locations, including XXXX 's twice and the XXXX XXXX three times, for a total of {$6800.00}. As soon as I realized my card had been stolen, I promptly locked it, reported it stolen, and filed a police report. I also have surveillance footage of the break-in. 

In response to the fraudulent charges, I opened XXXX cases with PayPal. XXXX of these cases were closed in my favor, but XXXX  were closed not in my favor, even though the charges were made within a few minutes of each other at the same store. For example, the XXXX charges made at XXXX 's were made just a minute apart, with XXXX charge for {$2100.00} being refunded and the other charge for {$960.00} not being refunded. 

On Friday, XX/XX/XXXX, I called PayPal customer service and after being transferred multiple times, I spoke with someone who promised to reopen the XXXX cases that were closed not in my favor. However, as of today, XX/XX/XXXX, this has not been done.
Consumer complaint received 2022-12-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: AMERIS BANCORP (FL)

Hi! We were approved for HAF with payments to start XX/XX/XXXX. They have made two payments to Ameris Bank XXXX # XXXX. Ameris states they did not receive any payments from HAF. HAF  states there was two payments sent with the first on XX/XX/XXXX and another on XX/XX/XXXX. I have spoken multiple times with HAF to no avail. Ameris continues to say they haven't received it. In the meantime, our mortgage was transferred to Truist effective XX/XX/XXXX which I have notified them of multiple times and even called to verify they had the correct information. What recourse do I have as I am stuck in the middle of this mess? HAF states they have sent proof of payment to Ameris Bank. 

To make a long story short, we are missing two  payments that Ameris has received that should be forwarded to XXXX Bank XXXX # XXXX. 

I would greatly appreciate any help you can provide. Thank you!
Consumer complaint received 2022-12-06
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: CBC Companies, Inc. (VA)

Since XXXX, 2022. I have contacted all the creditors on the distribution list I have provided about opting out, and having my information furnished on my credit report. Since learning about the XXXX XXXX breach, I've noticed the inaccuracies being reported on my credit report and I have reached out to all of these creditors by mail requesting to opt out, I am even in a law suit over the miss information being reported. These inaccuracies are hindering me from holding down a professional position, causing me anxiety, mental fatigue and even the break up of my household. These false reporting have cost me many business deals one that would have worth close to a XXXX dollars, credit cards being closed and/or reduced to the point. I went from $ XXXX balance now it's at {$800.00}, my lively hood has been uprooted and now I'm losing my house. Because I can not get any loans or credit to help support my household and family.
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Foursight Holding LLC (SC)

On XXXX XXXX, 2022, I received XXXX hard inquiries in regards to accounts being open with : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX In communication with XXXX XXXX, the credit inquiry is in regards to a vehicle loan not requested by myself from XXXX XXXX XXXX XXXXXXXX XXXX in Texas. This is a case of stolen identity and fraud. 

Foursight Capital, LLC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT, XXXX In communication with Foursight Capital, I was advised to send an email in regards to the credit hit but not given any information on what the credit hit was for. This too is a case of stolen identity and fraud. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX In communication with XXXX XXXX, I was informed a XXXX Credit Card was opened without my consent and not by me. I was informed the account was now closed and reported as fraud and disputed for credit resolution. This is a case of stolen identity and fraud.
Consumer complaint received 2022-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CA)

My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, In the month of XXXX I found out that I had a late payment from Wells Fargo Bank on my XXXX XXXX XXXX There was a balance on it for {$2.00}, XXXX the balance was from XX/XX/XXXX. For some reason I have not been receiving any statements at my new address which is XXXX XXXX XXXX XXXX XXXX ca XXXX. I was also sick with XXXX in and out of the hospitals. Once I found out that I have a late payment I went ahead and payed off my balance. Now It is reported in my credit with XXXX and all the other credit places as a late payment. I am trying to buy a new car and this is really effecting my credit score. If it's possible can the late payment please be removed. I have a great credit score, I have never been late on any of my credit card bills. For some reason I am not sure why I wasn't getting any statements from Wells Fargo. I do not have the card with me since it is a closed card but my social security number is XXXX birthday is XX/XX/XXXX
Consumer complaint received 2022-12-06
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: ID Analytics, Inc. (VA)

Since XXXX, XXXX. I have contacted all the creditors on the distribution list I have provided about opting out, and having my information furnished on my credit report. Since learning about the XXXX data breach, I've noticed the inaccuracies being reported on my credit report and I have reached out to all of these creditors by mail requesting to opt out, I am even in a law suit over the miss information being reported. These inaccuracies are hindering me from holding down a professional position, causing me XXXX, XXXX XXXX and even the break up of my household. These false reporting have cost me many business deals one that would have worth close to a XXXX XXXX, credit cards being closed and/or reduced to the point. I went from $ XXXX balance now it's at {$800.00}, my lively hood has been uprooted and now I'm losing my house. Because I can not get any loans or credit to help support my household and family.
Consumer complaint received 2022-12-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (CA)

I submitted an earlier CFPB complaint XXXX related to this company. In that complaint, this company said it would put this debt on hold and verify information with the creditor, and then the complaint was closed as problem not addressed. Today, again I received another text message from this company and harassed me on the debt that i do not owe. It say This is XXXX XXXX XXXX  ( a debt collector ) regarding XXXX XXXX. We provide self-service XXXX Reference file # XXXX. To opt out, reply STOP. 
my complaint is, this company never verified my information before sending the collection letter to an address thats no associated with XXXX 2nd, it says it would put the debt on hold yet it never did and lied in its response to CFPB complaint XXXX. XXXX, it keeps harassing me with the debt and resumed the debt collection practice after CfPB closed the previous complaint. Please do something and ditch those bad collection agencies.
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SANTANDER HOLDINGS USA, INC. (SC)

On XXXX XXXX, XXXX, I received three hard inquiries in regards to accounts being open with : Chrysler Capital XXXX XXXX XXXX XXXX, XXXX TX XXXX In communication with Chrysler Capital, the credit inquiry is in regards to a vehicle loan not requested by myself from XXXX XXXX XXXX XXXX Dealership in Texas. This is a case of stolen identity and fraud. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT, XXXX In communication with XXXX  XXXX, I was advised to send an email in regards to the credit hit but not given any information on what the credit hit was for. This too is a case of stolen identity and fraud. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX In communication with XXXX XXXX, I was informed a XXXX Credit Card was opened without my consent and not by me. I was informed the account was now closed and reported as fraud and disputed for credit resolution. This is a case of stolen identity and fraud.
Consumer complaint received 2022-12-06
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: EQUIFAX, INC. (MI)

Multiple names, numbers, and addresses that are not associated with me. I was able to locate an open credit card with XXXX  XXXX. For a ( {$1000.00} ), the company was contacted and cancelled fraud report was filed. 

Equifax XXXX XXXX and XXXX were notified, ant the fraud protection was communicated with. 

Nothing was completed except more harm to my credit.
Consumer complaint received 2022-12-06
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: ENCORE CAPITAL GROUP INC. (FL)

The midland credit management company is contacting me about an alleged debt. Remove this from my credit file now. 15 U.S. Code 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
Consumer complaint received 2022-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (TX)

On XX/XX/2022 someone went into a PNC branch and withdrew {$220.00} from my account. I did not authorize this person and after talking with PNC it was a human error of the teller. The teller put in the incorrect account number which turned out to be mine and withdrew the money. I called PNC to alert I did not authorize this withdrawal, they explained the error however I was not immediately refunded my money. In the past, I have been given immediate credit however they say this dispute is " different ''. At first, I was told it would take up to 10 business days, and now anywhere from 1-2 business days. The fact that I was not credited immediately for an error that PNC employee made and they acknowledged as such is unacceptable.
Consumer complaint received 2022-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I had an overdraft on my account due to financial issues. I mobile deposited a check from XXXX for {$1400.00} on XX/XX/2022. This is a certified check. Citizens placed the funds on hold until XX/XX/2022. Due to this, I am going to receive late fees on bills that I must pay. I contacted both customer service and a branch XXXX. In both instances, I was advised to speak with the other, meaning customer service told me to contact a branch, and the branch told me to contact customer service. I offered to contact XXXX and citizens together to verify the check so that funds could be made available sooner, but citizens said that this could not be done. I have had this account for over 5 years and have regular direct deposit is biweekly. 

This is a difficult situation due to the financial issues I have recently had, and I have no resolution after contacting the company repeatedly, and the late fees I will receive are going to further extend the hardship. I also understand that it would not cover the overdraft, but citizens also did not make {$220.00} of the check available per Regulation CC.
Consumer complaint received 2022-12-06
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: FIRST NATIONAL BANK OF OMAHA (VA)

Since XXXX, 2022. I have contacted all the creditors on the distribution list I have provided about opting out, and having my information furnished on my credit report. Since learning about the XXXX data breach, I've noticed the inaccuracies being reported on my credit report and I have reached out to all of these creditors by mail requesting to opt out, I am even in a law suit over the miss information being reported. These inaccuracies are hindering me from holding down a professional position, causing me anxiety, mental fatigue and even the break up of my household. These false reporting have cost me many business deals one that would have worth close to a XXXX XXXX credit cards being closed and/or reduced to the point. I went from $ XXXX balance now it's at {$800.00}, my lively hood has been uprooted and now I'm losing my house. Because I can not get any loans or credit to help support my household and family.
Consumer complaint received 2022-12-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I received a phone call from Navient, claiming that I have a student loan with them, which I don't. I have never had any account with Navient. The woman referred to Sallie Mae and said that they got my information from Sallie Mae. I had a private loan with Sallie Mae from about XXXX, which was written off sometime in about XXXX when my cosigner filed for bankruptcy. I did not hear anything from Sallie Mae about that loan or account after that. I checked my spam folder in my email and the first communication I have had from Navient claiming they hold my student loan was in XXXX, XXXX I dispute that I have any indebtedness to Navient, especially following their settlement with the various state Attorneys General in XX/XX/2022. I do not know if Navient has or will report this to my credit. The woman I spoke with, upon hearing that I dispute this debt said that collection efforts will continue.
Consumer complaint received 2023-03-10
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: National Credit Adjusters, LLC (PA)

In accordance with the fair credit Reporting act XXXXXXXX XXXX # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-12-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NJ)

I switched insurance companies with NewRez mortgage over a month ago. I was contacted by the insurance company stating that they never received payment. When attempting to contact the mortgage company about this they were impossible to get in touch with and when I did, NewRez created false information. I was told a number of things by different agents. I was told I did not have a mortgage with this company, I was told a check was mailed, and I was told they did a wire transfer. Finally, I called and said I need to speak to a supervisor, as I am now getting letters saying they are canceling my insurance. When I spoke to a supervisor, they stated that they had no documentation of this issue ( despite multiple emails and other representatives being able to pull this information up in the past. ) I told her that this was serious and this issue needed to be resolved and the agent hung up on me. I have been trying for well over a month to get this resolved. However, it is hard to know when this will be resolved due to NewRez agents lying to me about what has/has not been done. I have documented all of this in email. I was also told by the insurance company that they frequently see this with NewRez insurance and they almost always fail to pay insurance through escrow. I am concerned that NewRez is scamming customers and keeping escrow money.
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..
Consumer complaint received 2022-12-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: U.S. BANCORP (UT)

XXXX XXXX  made an ACH transfer of {$500.00} to my account on US Bank on XX/XX/2022. The money didn't show up on my US Bank account so far. I made many phone calls to both of them. They didn't help much. US Bank wanted me to call XXXX XXXX  to ask for the trace ID of that transaction but XXXX XXXX  refused to give it to me.
Consumer complaint received 2022-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY (PA)

TD Bank reduced the credit line without sending prior notice, a letter arrived explaining the action they took afterwards, the credit limit was XXXX they reduced it to XXXX in this way the card appeared completely full, this affected my credit, the payments for this card have always been on time, we could not go online to see the statement because we are XXXX  and we were XXXX, the amount of the card for that month had changed, we did not notice it, we paid the same amount from the card previous month, the TD Bank system said that there was no payment received, we tried to call but the call system was not very accessible, immediately we noticed what happened we sent the money that completed the payment plus the late fee, all this happened because it is more favorable for us to receive the statement in the mail, when we explained the situation to TD Bank in writing, they did nothing to resolve this situation.