davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-17
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. (AR)

I have been receiving letters in the mail for a while now about me owing child support money. Im not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX  XXXX due to a low credit score. I have pulled my credt and I saw various child support items and loans on my account that does not belong to me. I strongly believe my identity has been stolen. Please remove these items from my report. CHAPTERXXXXBANKRUPTCYDISMISSED XXXX CHAPTERXXXXBANKRUPTCY DISMISSED XXXX
Consumer complaint received 2023-03-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A. (CA)

My husband has an account at PNC bank. He passed away on XX/XX/XXXX. He receives social security direct deposit payments. He received a payment on XX/XX/XXXX ( which he was entitled to since social security pays a month behind, this payment was for XXXX ). The normal monthly bills were paid out of this account. When social security notified the bank of his passing and that they would not be doing any more payments the bank put a hold on the payment that had already been posted on XX/XX/XXXX. They were notified on or around XX/XX/XXXX. PNC told me I had to get an affidavit of stating small estate since this bank account was the only asset my husband had. I got the affidavit notarized and returned to them within 2 days. They then told me that because they froze the account and check ( {$2800.00} ) that the account was overdrawn {$1300.00}. They stated I needed to pay the money, they would return the payment to social security and then I would have to figure out how to get the money back. I do not have the money to pay that and when I called social security they stated the payment did not need to be returned and if it did they would have issued a reclamation against it immediately. PNC then told me I needed a letter from social security saying that he was entitled to the payment, which I went to the social security office and got and sent to them. They then stated that I had to pay the {$1300.00} and they were going to return the check. Per social security this is a long and difficult process to get money back ( the account actually has about {$1400.00} in it if they would release the hold on the check ). PNC sent me some green book screen shots which did nothing but prove that they only have to hold and return payments that enter the account AFTER they are notified of the death, which happened on XX/XX/XXXX. There were no payments after this date.They are holding a check that had already posted on XX/XX/XXXX. It clearly states on the social security website they do not have to return these funds unless they get a reclamation request ( which social security already told them they don't have to return the funds ). I have sent them all the supporting documentation and they keep stating it's the law they send it back, which it is not. Social security said they are always terrible and give people issues. Social security states the documents we have provided are more than sufficient to prove no funds are due back to social security and that they can release the hold, give me the money left in the account and then close the account.
Consumer complaint received 2023-01-31
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BMW Financial Services NA, LLC (NV)

Mini of XXXX XXXX is a dealership that is affiliated with Mini Financial Services. 

Summary : My wife and I paid off a lease of a XXXX XXXX XXXX Mini of XXXX XXXX and received a receipt of the payment acceptance on XX/XX/2022. On XX/XX/2022, the MINI XXXX XXXX XXXX submitted the fully paid-off amount to MINI Financial. On XX/XX/2022, MINI Financial reported receiving funds for the payoff. I do not know why there was a gap between the receipt of funds between Mini Financial and Mini of XXXX XXXX. On XX/XX/2022, Credit Agencies received a Balance Past Due notice from BMW Financial Services ( aka Mini Financial Services ). Also on XX/XX/2022, Credit Agencies received a Paid in Full notice from BMW Financial Services.

The issue is that my and my wife 's excellent credit scores were improperly impacted by Mini Financial Services for an issue that is internal to the Mini organization. 

Upon written notice of my complaint, Mini Financial did not respond within 30 days of the notice. They also claim that per the lease agreement, it is our responsibility to ensure that the Dealership actually transfers the funds we paid to them to Mini Financial.

This is a ridiculous business practice as there was no notice or warning given that we were late in our payment according to Mini Financial to even indicate that the payoff had not been received. In fact, if Mini Financial Services allows Dealerships to create leases and payoff leases at the Dealership, they should also take the responsibility for the funds paid to the Dealership to be transferred to Mini Financial. This is an issue between the Financial Institution and the Dealership as their agent and NOT with my wife and me as the consumer who is being impacted by their poor business processes. 

Mini Financial has responded to our complaint that their findings stand and they have reported their findings to the Credit Reporting agencies making it even more difficult to remove the credit impact, which again is unfair as this is their business process mistake to fix, not double down.
Consumer complaint received 2023-01-31
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: EQUIFAX, INC. (FL)

I am a victim of I dentity theft I have sent an FTC report and have spoken with the creditor let them know the account is not mine and it needs to be removed from my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/20XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/2022 XXXX
Consumer complaint received 2020-07-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (MA)

Good Morning and how are you doing during this pandemic? Listen, I was shocked when I reviewed my credit report and found this derogatory account in my credit file. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2023-01-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (CO)

On XX/XX/XXXX I received an email. from Wells Fargo stating that my Wells Fargo business account had been compromised and to please give Wells Fargo a call. I was busy working and did not see the email so Wells Fargo called me and said a wire transfer of {$13000.00} had been initiated. I stated I did not do that and and the said to read off the verification code that was texted to me and I did. they said they would cancel my cards and bank accounts and rush me new cards. so I waited tell Friday XXXX days later and nothing happened so I went into the bank and explained my situation. They stated that they did not know what was going on and transferred the money sense I gave them the verification code which I did not do! Turns out that I was talking to fraudsters on the phone and gave them the verification number. Wells Fargo has stated this is all my fault. I have made a police report with the XXXX  XXXX police department.
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (TX)

On XX/XX/XXXX I initiated a dispute to remove inaccurate personal information such as names at least XXXX different variations and or innaccurate names are listed, addresses at least XXXX differnet addresses and or inaccurate addresses are listed and phone numbers that LexisNexis was furnishing. On XX/XX/XXXX LexisNexis sent me results of the reinvestigation. They gave me access to an updated consumer report that was suppose to reflect the changes of the items that were deleted but nothing was done the report was the exact same one as before. The reinvestigation results don't say which personal information it pertains to but I will attatch photos for you all to see. On XX/XX/XXXX I initiated another dispute to again remove inaccurate personal information such as names, addresses and phone numbers that LexisNexis is furnishing. On XX/XX/XXXX LexisNexis sent me results of the reinvestigation. They gave me access to an updated consumer report that was suppose to reflect the changes of the items that were deleted but nothing was done the report was the exact same one from the previous XXXX. I called and asked why do they continue to furnish inaccurate personal information when I asked XXXX for it to be deleted I was told it is nothing they can do but for me to put in another dispute. I don't know what thorough investigation they are conducting but they continue to furnish inaccuate personal information and it makes me very uncomfortable that they refuse to delete it.
Consumer complaint received 2020-11-13
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CO)

I received an email on XX/XX/2020 stating that I owed a debt to a payday loan company and that I can settle it by paying in 2 installments. They also stated that they will garnish my paycheck from my employer for the amount of {$1300.00}. When I started to reply stating that I could not pay, they started to threaten me with taking the issue to court and being arrested and put in jail for a year. I started to question them with details of the company, their company name and requested the documentation of the loan, they kept threatening me with arrest. They also have been emailing me to give them information as to when I would pay them. I emailed the loan company that they say I have a unpaid loan with and they stated that if the emails are threatening arrest that they did not come from them. I have the emails and I can forward them if necessary.
Consumer complaint received 2020-11-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2020 at XXXX XXXX  from one business account to another was made a wire transfer of {$1500.00} what, based on the charged fees by Bank of America, should be deposited on the next business day. On the XXXX of XXXX, either XXXX or XXXX money still was not in the account. We called the customer service to figure out the problem, they were not able to find that transaction at all. We requested to fill out the claim about, but they were refused, referring to the fact that they could not find this transaction and since there is no transaction, so there is no case ... Just to be patient and wait. For how long, it's a big big question. 
Since the bank charges fees for, it should be full responsible for any oversights. 
As a customer we would like to be respected, as this is not the first time happened.
Consumer complaint received 2020-11-13
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CMRE Financial Services, Inc. (FL)

Keep calling from different numbers I stated to leave me alone and take me off the list.I also have no knowledge about the debt there stating I owe and I just had a baby and it's AGGRAVATING.They stay hurassing me I tried to dispute it.
Consumer complaint received 2020-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report.I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS
Consumer complaint received 2020-11-13
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. (NC)

I previously sent five letters to TransUnion disputing the bankruptcy and other negative fraudulent accounts on my credit report but Transunion keep sending me dispute results back saying that they verified the bankruptcy when XXXX  and XXXX deleted the bankruptcy and I sent Transunion proof of the bankruptcy being deleted and I sent them a letter from the bankruptcy court stating that they don't furnish information to third-parties and I also sent Transunion a letter from XXXX showing them that I had a security freeze on my XXXX credit report and they still say they verified the bankruptcy.
Consumer complaint received 2020-11-13
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

Last month, I got a letter from Capital One dated XX/XX/XXXX. The letter is 2 sentences long and it says my account was closed and " if you have any questions, please get in touch ''. There's no phone number or email address to reach anyone. I'd never received any other communication saying the account was going to be closed. 

On yesterday, I got my regular statement for XX/XX/XXXX with, as expected, a XXXX balance. This time there was a phone number on the statement. Today, Thursday XX/XX/XXXX, I called the bank to get the money that had been in the now closed account ( XXXX ). I was told that the money had been sent to the state ( XXXX  ) and I would have to contact them to get it. The bank gave me a website, which led me to the XXXX XXXX XXXX XXXX XXXX XXXX. There was no record of money from the Capital One Bank owed to me listed by the program. I called the bank back ( this was about my 7th call to the bank at this point ) and this time I was told that I would probably just need to wait for the money to show up to file a claim with the XXXX  government. 

Summary- 1. The bank never contacted me to let me know that they were going to close my account. 
2. Immediately upon closing the account, the bank immediately sent the money to the state even though one of the customer service agents that I spoke with today said normally the bank waits a " while '' to send the money to the state after they notify the customer that their account has been closed. None of the customer service reps who I spoke with today would quantify what a " while '' usually means. 
3. They have no idea when the money will be received by XXXX  government so that I can file a claim. 

Bottom line - Capital One was responsible for taking care of my XXXX and they didn't. They told me that my only recourse is to chase it down from XXXX  government. As an aside, getting money from XXXX  government takes years as my history with them has shown ... irresponsible and frustrating ...
Consumer complaint received 2020-04-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION (TX)

I have been asking the 5/3 bank so many time to close the account # XXXX by writing to them and calling them. The reason is that I moved out of their service area from XXXX  to XXXX where no any 5/3 branches exist. However, the banker insisted that I have to come into the branch which is 1000 miles away. Then they ask me to write to them, so I sent them the letter a few weeks ago. Still no response.
Consumer complaint received 2020-11-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IN)

I had a mortgage with Ditech ( account # XXXX ) until I sold the home in XX/XX/XXXX, at which point the loan was paid off on XX/XX/XXXX. On XX/XX/XXXX, my insurance company, XXXX, sent Ditech a {$1900.00} check for the overage amount of my homeowner 's insurance which was to be credited to me by Ditech ( XXXX has sent proof of the check that was sent to Ditech, which I have included as an attachment ). XXXX also has proof that the check was cashed on XX/XX/XXXX. 

Ditech has filed for bankruptcy and is no longer in service, and has no working phone number. I have tried since XXXX to get in contact with someone at Ditech. I previously filed a complaint with the CFPB and someone from Ditech responded that " it is likely that the check was forwarded to and cashed by [ Shellpoint Mortgage Servicing ] ''. This is 100 % not true ; I have contacted Shellpoint as well as their partner company NewRez, and they both have proof that Ditech never transferred my case over ( which makes sense, as I did not have a case/account/active loan with Ditech for them to transfer it over as part of their bankruptcy ). 

Someone at Ditech stole my homeowner 's insurance credit check of nearly {$2000.00}, and it has 7 months and still no one has attempted to send me my money. Even more infuriatingly, there is no way of getting in contact with anyone at the now defunct company, and they lied in their last CFPB complaint response.
Consumer complaint received 2020-11-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIDELITY CAPITAL HOLDINGS, INC (CT)

There is an account listed on my credit report with FIDELITY CREDITOR SERV. The account number is XXXX and the balance is {$2500.00}. I do not have a debt owed for this amount to anyone and I explained this to the company. I called them on XX/XX/2020 for help and was hung up on. I am requesting the original contract for this account. I need to see why this account has this balance and make sure this was agreed to with my signature. I am worried there is an error somewhere or even worse that someone has abused my personal information. Fidelity has not sent me anything I requested and I need them to comply with the laws to protect consumers. They are ignoring my requests. As this account has an in dispute indicator, I need the copy of what was already disputed and how they came to this meets requirement of " fair credit reporting act '' result they have on my credit. This is urgent and I am forwarding all correspondence to an FDCPA attorney of my choosing. I have already consulted with one attorney and will bring suit for all damages regarding this account. I am looking to get a mortgage and this account will cause me to lose the best rate possible. I will seek compensation for all lost monies if this is not removed immediately.
Consumer complaint received 2020-11-13
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. (NC)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX To whom it may concern ; RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of Dark Web identity theft. There have been accounts and services established using my personal Identification without my authorization. 
After careful review of my report, I have identified the information listed below, is the result of Dark Web theft on the affected accounts are listed below. 
I do not and have not obtained business or services under these accounts! 
You must remove it immediately without prejudice. 
XXXX XXXX XXXX  XXXX XXXX  ACCT : XXXX XXXX : {$2500.00} XXXX XXXX ACCT : XXXX XXXX : {$3600.00} XXXX XXXX ACCT : XXXX XXXX : {$7700.00} XXXX XXXX, XXXX. ACCT : XXXX XXXX : {$100.00} XXXX XXXX XXXX ACCT : XXXX XXXX : {$5500.00} There are also the below listed inquiries on my report which have never been placed by me. These need to be removed immediately : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX You have also listed several addressed for which I am not associated. Your company apparently is practicing in reporting inaccurate information and listing addresses on consumers reports that I have never lived. 

The below addresses need to be removed from my reports immediately! 

XXXX XXXX XXXX. XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX NC XXXX I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX, Ex, and XXXX via the CFPB. Investigations have been continuous and ongoing to no avail. 

This is again a demand to remove and block such information from the report in question. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2020-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2020, A charge-Off placed by XXXX/XXXX  was Disputed and removed from my XXXX XXXX credit report. Unfortunately, Experian and XXXX  are still showing this charge-off on their reports.