davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-12
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. (MO)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-01-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Bureau of the Hudson Valley, Inc. (PA)

I sent this company a letter to validate a debt that I owed according to them. I sent the letter on XX/XX/XXXX I gave them 30 days to validate the debt but they never responded. Again I sent another letter on XXXX to let then know about the previous letter that I sent which they also did not responded. I never received anything from them no letter, nothing!! Under the ( FDCPA ), I have the right to request validation of the debt they say I owe. Normally they have 30 days to respond if not they have to stop the collections and delete it from my Credit Report and today is XX/XX/XXXX that's over 4 months. This is very unprofessional from their company and they are still affecting my Credit Report. I have all my letters and receipts In case I have to take this to small claims court, this is affecting me XXXX and I was very generous I waited this long. I am also contacting CFPB about this issue also.
Consumer complaint received 2022-09-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC. (CA)

My checking and savings accounts were closed. I called in and was told there wasn't a reason why it was closed, I would get a letter and the money from my account in the form of a check in 7-10 business days. I was not satisfied with this so the agent looked and looked, and found no reason, but said she thought I might have violated their deposit agreement. I wish I had enough money to violate a deposit agreement .... Eventually when I went to escalate the call, she contacted someone in another department, and said that because I had a fraudulent charge of {$4.00} from XXXX ( confirmed from XXXX it was someone else ) they were going to close my account. Mind you, this had already been credited and a new debit card had been issued and was being used. So two reasons, neither one makes sense There was absolutely no warning whatsoever and it doesn't take a genius to realize a bank is not going to close the account of a 5+ year member over a {$4.00} charge. I even asked if they could expedite the money in the account to me, and they refused. 

I believe it may have had to do with receiving public assistance. I really can't think of another reason why it would be. Obviously, this is illegal, so I am here filing the complaint.
Consumer complaint received 2021-03-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: WESTERN ALLIANCE BANCORPORATION (CO)

I am writing to complain the Alliance Association Bank ( AAB ), at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX AZ XXXX and the phone number is XXXX I own two condos, XXXX XXXX XXXX XXXX CO XXXX and XXXX XXXX XXXX XXXX CO XXXX. AAB is the bank that handled the XXXX fees. The rules of paying monthly fees to AAB was set as follow, BILL PAY SERVICE Ensure the check is made payable to your association XXXX XXXX and the memo portion includes the following information/instructions : a. Management Company ID : XXXX b. Your Individual Account Number for XXXX XXXX at XXXX XXXX is XXXX. 
a. Management Company ID : XXXX b. Your Individual Account Number for XXXX XXXX at XXXX XXXX is XXXX. ( Please see attached copies ) I used my bank bill pay service to pay my monthly fees and it was repeatedly returned by AAB. I have an example of my payment check sent to AAB which is attached to this letter. I believe I followed the rules and any reasonable banker would accept the check. AAB refused my payments with the same format of the letter, I have an example attached. In the letter, AAB added extra rules and restrictions as the reasons to refuse. I also attached my bill pay profile to this letter. I believe it is a typical case of discrimination against particular customers. I hope you can help me and held them accountable of these discriminatory practices. 
I can be contact at XXXX or XXXX XXXX XXXX XXXX, XXXX CO XXXX. 
XXXX XXXX XXXX
Consumer complaint received 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. charge-off with 3 different dates listed under " date of last activity '' XXXX XX/XX/2016 XXXX TransUnion XX/XX/2016 XXXX XXXX XXXX XXXX Based off that information provided I show a violation of my fair credit reporting rights on accurate reporting.
Consumer complaint received 2021-01-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (AR)

I received a letter from Sequium Asset Solutions , LLC that was dated on XX/XX/XXXX. It claimed that it was tasked with collecting debt from XXXX XXXX XXXXXXXX XXXX XXXX for {$110.00}. I have never been to that doctors office so I do not know why I am receiving this bill. I sent a letter requesting them to prove that I actually owe this amount of money on XX/XX/XXXX. They never responded. However, they added the debt to my credit report on XX/XX/XXXX. I do not believe that this debt is mine, nor do I believe that it should've been added to my credit report since they never validated my debt in writing.
Consumer complaint received 2021-03-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

I have been in a dispute with DITECH since 2013! 
The loan transfer from XXXX has been reported to my credit that the loan has been paid in full as well as received a 1098 from XXXX DITECH has refused to investigate my payment dispute Even while they are under court order to do so instead they continue to drowned me in litigation fees and I can no longer afford to represent myself discovery process has gone on for three years now
Consumer complaint received 2021-03-28
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. (NJ)

XXXX XXXX - Account # XXXX. 
Newly acquired lease was obtained in XX/XX/2020 at the start of the COVID19 pandemic. We were forced to close our XXXX on XX/XX/2020. I had reached out to to XXXX to request to be enrolled in the COVID relief program that was offered. I was told that we missed the requirement by 1 day. Vehicle needed to be purchased After XX/XX/2020 to qualify for a 6 month freeze. 
We then agreed to have payments deffered which was approved starting in XX/XX/2020. 
XXXX payment was not honored. XXXX payment was honored. XXXX payment was not honored. Account was then paid and brought up to date. 
Credit report is now showing derogatory payments of 60 days late due to this. 
Payments have been made on time for the entire length of the lease prior and has currently had no missed payments
Consumer complaint received 2022-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX has consistently made errors for the last several years with sending me erroneous statements, charging me invalid late fees and allowing my payments to sit in their processing department for over two weeks causing interest to continue to accrue on my loan and late payments that I should have never been responsible for. I have spoken to XXXX more than 60 times of which I have documented in the event that I proceed with next step and take legal action against this financial institution. Recently, XXXX engaged a subservicer by the name of XXXX. During this transition, they held onto XXXX consecutive payments that I made and did not timely process my flex modification with XXXX. Instead, they dropped the ball, discontinued answering borrower phone calls and completely ceased all communication and engagement with regard to the loans that they service. I had to call XXXX a total of XXXX times and then yet and still, escalate the situation to XXXX directly. Once XXXX became engaged, XXXX took action to track down my mod agreement and payments that were sitting in a suspense account with XXXX. Further, XXXX neglected to pay my taxes in 2021 causing multiple penalties in excess of $ XXXX which could have resulted in a tax sale. To top off the entire situation, XXXX is wrongfully reporting to my XXXX 's that a ) I have XXXX mortgages with the same balance and further, that I was late by three months causing my credit score to be substantially and negatively impacted. I completed a XXXX  plan in accordance with the Cares Act issued by Congress and the President of the United States and under such protection, I should have zero negative impacts to my credit report. XXXX held onto the funds that I sent them every single month during the time of the XXXX and did not timely process the modification, despite having the funds in house. This matter needs to be corrected immediately. Unfortunately, do to their dysfunctional business processes and lack of accountability and integrity to their borrowers, there is no one to speak with or email who will respond at XXXX. XXXX simply advises that they are not responsible. If this matter is not corrected within the next week, I will be taking legal action against XXXX via my Attorney. I will also send a duplicate copy of this complaint to the AG 's office and the FTC. I have had it with XXXX XXXX XXXX XXXX and the negative impacts and unduly burdensome level of stress they have caused to my life despite me going above and beyond to try and do the right thing.
Consumer complaint received 2021-03-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

I am familiar with the PayPal User Agreement and point out I have not violated any policy or law but PayPal closed my account for no reason and will not help me with getting it back and going. 
I am not sure if this is some mistake XXXX I asume it has to be! 
I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. 
I am very affected in these times of pandemic with Covid-19 by this decision of PayPal! 
My email linked to my PayPal is : XXXX XXXX
Consumer complaint received 2021-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: SYNCHRONY FINANCIAL (CA)

In XXXX, 2021, I submitted a credit application with Synchrony Bank for a Synchrony Home Credit for a mattress set purchase on us-mattress.com for the approximate amount of $ XXXX dollars and about one ( 1 ) year with zero finance charge if paid in full. I was denied. 

Today, XX/XX/2021, I received a letter from Synchrony Bank, XXXX XXXX. XXXX XXXX, XXXX, FL, XXXX dated XX/XX/2021, and that my request was denied for the following reason ( s ) : Credit bureau reports applicant is deceased. 

THIS is an out-right LIE. 

I have a few synchrony bank accounts and my My Credit is IMPECCABLE. 

Furthermore, they " state '' in this letter to me that some information used to make this decision was obtained from consumer reporting agency XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX ; that this consumer reporting agency DID NOT make this credit decision.
Consumer complaint received 2019-02-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AMERICAN HONDA FINANCE CORP (CA)

IN ABOUT XXXX OF 2017 XXXX REPORTED A REPOSSESSION TO MY CREDIT WHEN MY BANK ACCOUNT WAS FROZEN FOR A 2 MONTH PERIOD OF TIME DUE TO IDENTITY THEFT. 
THE ACCOUNT ON XXXX WAS PAID AND THEN WRITTEN OFF BY THE COMPANY. THE ACCOUNT SHOULD NO LONGER SHOW ON MY ACCOUNT AND SHOULD BE REMOVED AS IT WAS TAKEN CARE OF.
Consumer complaint received 2022-09-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PDQ Services, Inc. (GA)

Im in the process of applying for a home loan. I noticed this {$420.00} collections from PDQ Services on my credit report. I spoke with a representative back in XXXX and asked to be send an invoice they agreed. In XXXX I was recovering from XXXX XXXX which had me out of commission for XXXX weeks never received an invoice. On XX/XX/XXXX they put {$420.00} on my credit report. To be honest I was quite devastated since I had a credit score of over 700 at the time. I called them and spoke to a representative that said they mailed the invoice back in XXXX. I told him I never got it, he then quoted me the WRONG ADDRESS. I have since PAID OFF this invoice once I received it on XX/XX/2022. Im requesting PDQ Services be REMOVED from ALL 3 credit reporting agencys due to the collection agencys error.
Consumer complaint received 2022-09-26
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: EQUIFAX, INC. (OH)

I went to purchase a car from the dealership and I discover that there were hard inquiries on my credit report. These are the inquiries that are errors in my report : US SM BUS ADMIN ODA INQUIRY DATES : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2022-09-26
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. (MD)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX/dept of ED XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX  XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX C XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-03-28
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: HYUNDAI CAPITAL AMERICA (NJ)

XXXX XXXX - Account # XXXX. 
Newly acquired lease was obtained in XX/XX/2020 at the start of the COVID19 pandemic. We were forced to close our XXXX on XX/XX/2020. I had reached out to to XXXX to request to be enrolled in the COVID relief program that was offered. I was told that we missed the requirement by 1 day. Vehicle needed to be purchased After XX/XX/2020 to qualify for a 6 month freeze. 
We then agreed to have payments deffered which was approved starting in XX/XX/2020. 
XXXX payment was not honored. XXXX payment was honored. XXXX payment was not honored. Account was then paid and brought up to date. 
Credit report is now showing derogatory payments of 60 days late due to this. 
Payments have been made on time for the entire length of the lease prior and has currently had no missed payments
Consumer complaint received 2022-07-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I sent a payment through XXXX for an item ( authentic XXXX XXXX purse ) I did not receive. I was scammed out of {$900.00} on XX/XX/22 and was denied reimbursement by my bank, Capital One. The seller will not answer any of my calls.
Consumer complaint received 2021-03-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Home Loan Center, Inc. (OH)

Told them to stop sending emails have not stopped yet. Has been non stop emails since XXXX. XXXX XXXX ( XXXX ) -XXXX-XXXX. This person has numerous cellphone numbers send Lending Tree advertising and text messages about loans. The company did nothing about this in fraud. Please have them STOP. XXXX received another advertising this is constant. This has to Stop.
Consumer complaint received 2022-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc. (PA)

I AM WRITING THIS TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED TO DELETE ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT XXXX REMOVE THESE ITEMS FROM MY FILE TO CORRECT MY CREDIT REPORT. I ALSO REPORTED THE THEFT OF MY IDENTITY TO FEDERAL TRADE COMMISSION & ENCLOSED COPIES OF THE FEDERAL TRADE COMMISSIONS IDENTITY THEFT AFFIDAVIT. HOWEVER, I REQUEST YOU REMOVE THESE ITEMS IMMEDIATELY OR I WILL GET MY ATTORNEY INVOLVED.
Consumer complaint received 2021-06-07
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. (NY)

I filed five complaints with Transunion because they are mixing me up with my father. His credit card keeps showing on my credit file and I want to get it removed. We share the same first name but our last names are different and we share the same address. My first complaint filed to them was some time back in XXXX. My following complaints were XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX and I believe XX/XX/XXXX I also made a complaint to them over the phone. I try to contact XXXX XXXX but when I tell them about the situation I get told that there isn't a card registered to my SSN and that I should take it up with a credit bureau. I am confused because if XXXX XXXX is telling me a card doesn't exist under my identity why does Transunion insist that it does. I do not understand how Transunion thinks the card belongs to me when I have filed so many complaints to them even going as far as to send them a photo of our IDs next to our respected cards to prove that the card does not belong to me.
Consumer complaint received 2021-02-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (CA)

We recently refinanced our homes with XXXX XXXX XXXX. The refinance was initiated on XX/XX/2021. The refinance was completed on XX/XX/2021. The loan was paid off in full ( see proof of statements attached ) to our current bank -- Guaranteed Rate, XXXX. and servicer XXXX XXXX XXXX. The receipts show that the principal balance was paid in full on XX/XX/2021. We received updates from our new servicer, XXXX XXXX XXXX, requesting for payments starting XX/XX/2021. On XX/XX/XXXX, we received yet another letter from our old lender/servicer ( Guaranteed Rate LLC. ) informing us that the servicing of our loan is now transferred to XXXX starting XX/XX/2021. We now have two lenders asking us to pay two mortgages on the one loan.
Consumer complaint received 2022-11-18
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. (MA)

There is an account being reported by XXXX XXXX  which was opened on XX/XX/2022 with an original creditor as XXXX  in the amount of {$140.00}. I have had this fraudulent account removed several times. Experian is being negligent by reporting this account. I have never done business with XXXX. Experian has not done their part and I'm tired of Experian reporting accounts have not been verified properly or investigated properly. My attorney and I am prepared to file charges against Experian for violating the FCRA.
Consumer complaint received 2023-03-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (FL)

I am writing to file a complaint against Navient regarding their unfair practices and harassing behavior towards me and my late mother. Despite multiple attempts to come into a fair payment arrangement with them, I have been repeatedly charged for payment arrangements, and my principal balance never seems to go down. 

Furthermore, during the pandemic, when I was in financial difficulty and asked for deferment, they refused to help and instead called me and my late mother every day. I politely requested them to not call me and my late mother, but they continued to do so. 

The situation has now escalated to the point where they are calling my job and being rude to my coworkers. They even disclosed my account details to my coworker, which is a blatant violation of privacy. I feel extremely uncomfortable and harassed by their actions. 

I am frustrated and deeply concerned about Navient 's unfair practices and unethical behavior towards their customers. I have tried to resolve the issue with Navient directly, but to no avail. 

Therefore, I am requesting your assistance in resolving this matter. I urge you to take appropriate action against Navient and ensure that they comply with the relevant consumer protection laws and regulations. 

Thank you for your attention to this matter