davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNCOAST CREDIT UNION (FL)

My name is XXXX XXXX XXXX. My address is XXXX XXXX XXXX, XXXX, FL XXXX. My ssn is : XXXX. 

I hold an account with Suncoast Credit Union in XXXX. My account number is XXXX. On XX/XX/XXXX XXXX a forged check number XXXX in the amount of {$1900.00} was presented and honored by the bank. As soon as I discovered the fraud in early XXXX, XXXX, I filled out an affidavit of fraud and took all steps required by the bank to receive my funds back. 

This account has never had checks issued to be used with it. The account has solely been used as a deposit account with electronic transfers out of the account along with the use of a debit card. Notwithstanding the fact that no checks have ever been issued for this checking account, the above referenced check was presented with an address unassociated with me, with a clearly forged signature, and made out to an unknown person. This could not have been a stolen check because none has ever existed for this account. 

I have had several similar issues with Suncoast which were resolved expediently. Those issues involved a money market account under the same account number. No checks were ever issued for that account either and the fraud was identical : unknown address, forged signature, and unknown person. At that time, despite my request that the account be closed, Suncoast assured me that I did not need to close the account and merely changing the suffix was sufficient. Obviously that was ill advised. 

I have been in contact numerous times to determine the status of the return of my funds. Each time I have been given the run around to the effect that they are processing the request. When I spoke to them this morning ( XX/XX/XXXX - more than 3 months later ) they claimed that they needed to do their due diligence and that they were extremely busy. This is unacceptable to me. This is clear fraud identical to fraud for which they refunded my funds within a couple weeks. They have failed and refused to refund my funds in a timely manner. 

The handling of this matter and the entire series of frauds committed on me has been abysmal. I have received contradictory advice from different representatives and different stories justifying Suncoast 's failure to return my funds. My entire family is leaving Suncoast over this matter. We have been with Suncoast for 30 years.
Consumer complaint received 2023-01-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC (TX)

We have fixed conventional mortgage with Flagstar Bank in XXXX for home since XX/XX/XXXX, by XXXX after paying same monthly payment for over a year, they reported an escrow shortage. They demanded that we added {$1100.00} on top of our {$1900.00} payment for all of XXXX and still insists that the escrow was in shortage of - {$3700.00} after records show we paid over {$16000.00} to escrow that year with only {$7800.00} real property taxes and {$2400.00} home insurance, {$1500.00} flood policy. We are moving the mortgage to another company but they indicate the bank is asking more to close with more money added to principal balance.
Consumer complaint received 2023-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GOLDMAN SACHS BANK USA (CA)

Purchased an awning from XXXX XXXX XXXX XXXX who uses XXXX XXXX credit card services. XXXX XXXX credit terms was 12 month promotion ending XX/XX/XXXX, deferred interest. The purchase was XX/XX/XXXX, for {$6500.00}. The product was delivered XX/XX/XXXX and payments commenced XX/XX/XXXX, minimum payments were {$260.00}. I have consistently made the minimum monthly payments until XX/XX/XXXX when I made a {$4500.00} payment reducing the balance to {$1200.00}. Despite the new balance of {$1200.00} which a minimum payment of $ XXXX would pay the balance off by XX/XX/XXXX ; XXXX XXXX XXXX XXXX same minimum payment which would accelerate the pay off and would prevent me from taking advantage of the 12 month promo period. I have spoke with multiple representatives ( XXXX, XXXX, XXXX, and XXXX ) from Green Sky they insist on imposing the minimum payment which is not stated any where in the contract I see or they can point out. If I don't pay the minimum they will report it the credit bureau adversely affecting my credit score.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY (TX)

My account was closed, they stated that I deposited a check that was bounced and I didnt put no check in my account, so I dont understand where its coming from. So my account was closed and they saying I owe them money...
Consumer complaint received 2020-04-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have disputed the three major credit bureaus for a few items that each of the 3 are not being truthful about a different problem that has either been deleted or they have not redisputed the information reciting that they have disputed it before and that the information to dispute is frivolous and will not be investigated. File Number XXXX. The items specifically on Transunion are 1. XXXX XXXX. account # XXXX 2. XXXX XXXX account number XXXX. XXXX XXXX XXXX the other one was deleted I was a victim of identity theft. These accounts were opened fraudulently, they were deleted and now reappearing back on my report. " In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ) they were required to notify me of the reinsertion in writing and failed to do so, this is a violation. 

There are bankruptcies on Transunion and XXXX  file in 2019 that they claim they got from XXXX XXXX, I have a copy of my XXXX XXXX report, Consumer Number XXXX which shows no bankruptcies, as well as a XXXX XXXX, report Consumer ID XXXX which has cleared any bankruptcies because of proven identity theft. 

3. XXXX XXXX ( XXXX ) account number XXXX was deleted from my credit report. It was a stolen credit card and was deleted now reappearing. " In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ) they were required to notify me of the reinsertion in writing and failed to do so, this is a violation. 

4. XXXX XXXX XXXX. '' In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ) they were required to notify me of the reinsertion in writing and failed to do so, this is a violation. 

5. XXXX  XXXX balance is {$620.00} This account is mine but I have never been late. They have been charging me XXXX dollars per month stating Im late. My credit limit is {$40.00} dollars, and my payment is {$14.00} in which I pay {$20.00} per month on via my checking account. It should be paid in full by now, but instead the balance keeps going up. 
6. The XXXX. Account # XXXX I have never been late on this account. This is my son 's car and is being paid through XXXX they have never missed a payment. " In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ) they were required to notify me of the reinsertion in writing and failed to do so, this is a violation. 
7. XXXX XXXX XXXX was deleted from one bureau and is saying correct on the others how can that be. The same 5 day reinsetion applies. 
8. XXXX XXXX : Never had this account, was deleted and reinserted. 
9. XXXX XXXX. Never opened an account with this company or the company that sold it to them. It was deleted and reinserted with XXXX  only. Please make these companies redelete these items and keep them off
Consumer complaint received 2020-04-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MECHANICS BANK (CA)

I am not happy with Mechanics Bank. I tried to use my debit card at XXXX gas station in XXXX, CA on XX/XX/XXXX. It kept saying declined. I finally got authorization, only for there to be a permanent hold placed on my card. I went to two other locations to fill up my other car. There was still a hold. I spoke to customer service on XX/XX/XXXX. They were very rude. Talked over me and wouldn't let me get a word in. I also was told the fraud department called and text me. I show no record of their attempt to call or text. I asked to speak to a supervisor. The supervisor XXXX has not made any attempt to call me back to give an answer on why I was never contacted. That is why I am writing on here. If I have to, I will just give my business to my other bank and shut Mechanics out. You can't give an answer on your poor service but you can hurry up and respond when you want to charge XXXX for overdraft and charge service fees. I was told I would get a call back in 30 minutes from a XXXX. Thirty minutes has turned into 1 hour.  Bottom line is they don't want to deal with me.
Consumer complaint received 2020-04-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PlusFour, Inc (NV)

PLUSFOUR INC ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$94.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2017 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2020-04-19
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: Waypoint Resource Group, LLC (CO)

I have a collection on my credit report for a {$400.00} opened XX/XX/2018. The original creditor is XXXX XXXX XXXX. The collection agency is Waypoint Resource group. I came to a settlement agreement with Waypoint to pay {$260.00} of the {$400.00} collection to close and remove the account which i paid. The collection is still being reported. I'm currently in the process of buying my first home and this collection still being reported has my lender at a stand still. I can not proceed any further buying a home because of this reported collection. I've paid the debt as agreed and am still being hindered as if i didn't pay the debt. I disputed this with the credit bureaus and asked them to investigate and requested all documentation verifying where they came up with the {$400.00} balance. XXXX  responded in about 10 days and I never received any documentation which means they didn't investigate anything. I then contacted Waypoint Resource group asking for good faith to remove the paid collection and inquiring about why they have not removed the settled account from my report. I was told " that the contract they have with their client XXXX XXXX XXXX. doesn't want anything removed from the report no matter what the status of the collection is ''. I then contacted XXXX XXXX Rapid Review Department and explained my situation to them and asked why their contract with Waypoint doesn't allow for paid collections to be removed. The Rapid Review Department informed me that there is no contract. During my phone call with Rapid Review I found out that that Waypoint did not complete everything needed once i paid the settlement. they were supposed to contact XXXX XXXX to inform them we came to a settlement agreement that i paid and the remaining balance of {$140.00} of the original debt was to be credited to me as a balance of {$0.00} which never happened. XXXX XXXX showed that I still had an outstanding balance of {$140.00}. If the the credit bureaus had properly investigated and gathered the documentation I requested this should have been brought to light. I was told to contact and file a complaint with the Consumers Financial Protection Bureau, State Attorney Generals Office and a consumer law, law firm. Thank you for your time.
Consumer complaint received 2019-05-19
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: Experian Information Solutions Inc. (PA)

Reviewed credit report and saw a number a hard inquiry from XXXX XXXX XXXX, SD XXXX. Never applied for a XXXX Card and made company aware. There have been no feedback from company. Requested information regarding hard inquiry.
Consumer complaint received 2020-04-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I have a collection on my credit report for a {$400.00} opened XX/XX/2018. The original creditor is XXXX XXXX XXXX. The collection agency is XXXX XXXX XXXX. I came to a settlement agreement with XXXX to pay {$260.00} of the {$400.00} collection to close and remove the account which i paid. The collection is still being reported. I'm currently in the process of buying my first home and this collection still being reported has my lender at a stand still. I can not proceed any further buying a home because of this reported collection. I've paid the debt as agreed and am still being hindered as if i didn't pay the debt. I disputed this with the credit bureaus and asked them to investigate and requested all documentation verifying where they came up with the {$400.00} balance. XXXX responded in about 10 days and I never received any documentation which means they didn't investigate anything. I then contacted XXXX XXXX XXXX asking for good faith to remove the paid collection and inquiring about why they have not removed the settled account from my report. I was told " that the contract they have with their client XXXX XXXX XXXX. doesn't want anything removed from the report no matter what the status of the collection is ''. I then contacted XXXX XXXX Rapid Review Department and explained my situation to them and asked why their contract with XXXX doesn't allow for paid collections to be removed. The Rapid Review Department informed me that there is no contract. During my phone call with Rapid Review I found out that that XXXX did not complete everything needed once i paid the settlement. they were supposed to contact XXXX XXXX to inform them we came to a settlement agreement that i paid and the remaining balance of {$140.00} of the original debt was to be credited to me as a balance of {$0.00} which never happened. XXXX XXXX showed that I still had an outstanding balance of {$140.00}. If the the credit bureaus had properly investigated and gathered the documentation I requested this should have been brought to light. I was told to contact and file a complaint with the Consumers Financial Protection Bureau, State Attorney Generals Office and a consumer law, law firm. Thank you for your time.
Consumer complaint received 2020-04-21
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. (CA)

FOR THE PAST 8 MONTHS I HAVE BEEN TRYING TO RESOLVE THIS MATTER WITH THE BUREAU AND THEY ARE NOT COMPLETING THE INVESTIGATION, THEY ARE NOT PROVIDING SUFFICIENT EVIDENCE, AND I AM A VICTIM OF IDENTITY THEFT, I HAVE GIVEN MY POLICE REPORT MY FTC REPORT, I FILLED OUT THEIR REQUIRED AFFIDAVIT AS WELL AS WELL AS NOTARIZED THE DOCUMENT AND THEY REFUSE TO REMOVE THE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT, I AM IN THE MIDDLE OF TRYING TO REFINANCE MY HOME AND THESE 2 ACCOUNTS THAT ARE REPORTING ON MY CREDIT REPORT ARE NOT BEING REMOVED WITH ALL THE CORRECT INFORMATION THEY HAVE RECEIVED. I HAVE TRIED SEVERAL ATTEMPTS AND THEY SIMPLY ARE NOT COOPERATING. WORST CUSTOMER SERVICES REPRESENTATIVES AND CUSTOMER SERVICE BY XXXX  AND EQUIFAX.
Consumer complaint received 2020-04-21
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. (MI)

Experian refuses to investigate certify letter that was asking for documentation associated with the account bearing my signature, certify mail was sent onXX/XX/2020
Consumer complaint received 2020-04-21
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. (OH)

I had identity theft. I sent letters in XXXX and followed in XXXX and have heard nothing, I am doing this online through the CFPB because of COVID-19 and perhaps the letters have not been processed. 

I have multiple accounts that need to be blocked from record due to investigations of indentity theft. These are XXXX  XXXX XXXX and XXXX. 

I have attached my identitytheft.gov report, my reports, and the letters I sent the CRAs
Consumer complaint received 2020-04-21
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. (KY)

There is a false claim against me that has effected my credit score negatively. It is a credit card account. I have never knew anything about this account. Someone has committed fraud and needs to be held responsible. When I received a bill in the mail about an account I never knew existed I did some investigating. As of now on this account it says there is {$5500.00} due balance. How is that even possible when it says there is a {$2000.00} limit? It also says the account was closed on XX/XX/2019. And on XX/XX/2019 the account had a {$0.00} balance due. This makes no sense. All I can say is my credit score needs to be fixed and I never even knew about this account. Please see the attached images I have attached to support my claims.
Consumer complaint received 2020-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (LA)

Since 2014, every time I try to request my XXXX report for Experian, I get the following : We're sorry A condition exists that prevents Experian from being able to accept your request at this time. 

To obtain your Experian annual credit report, please mail your request to the address below using the XXXX XXXX XXXX Request form. 

XXXX XXXX XXXX  Request Service XXXX. XXXX XXXX XXXX, GA XXXX I have had no issues with XXXX  or XXXX. I do not have any freezes with any credit bureaus.
Consumer complaint received 2020-04-21
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2023-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NH)

My USAA checking account was fraudulently accessed in XXXX and XXXX of 2023 and approximately {$22000.00} was stolen via a remote device that sent checks to fraudsters. USAA reimbursed for the XXXX theft and told us to change passwords, pins, etc but did not discover the remote device on my account. I was then subsequently robbed again and a fraudulent {$6000.00} check was sent to an individual in North Carolina. USAA fraud dept is saying it is my fault because I must have shared my security information with someone which of course I did not do. Customer Service has been an absolute nightmare with USAA and they failed to notify me in writing of their decision to close the fraud case and not refund my money. I am afraid to keep my money and insurance business with them as I don't know how the fraud occurred.
Consumer complaint received 2020-04-21
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. (OH)

I had identity theft. I sent letters in XXXX and followed in XXXX and have heard nothing, I am doing this online through the CFPB because of COVID-19 and perhaps the letters have not been processed.

I have multiple accounts that need to be blocked from record due to investigations of indentity theft. These are XXXX XXXX XXXX and  XXXX. 

I have attached my identitytheft.gov report, my reports, and the letters I sent the CRAs
Consumer complaint received 2020-04-19
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

This is my second complaint about this account!! Its not fair how im being treated by capitol one.!!! They are constantly causing big credit score drops because of them removing late fees then replacing them back ... i just recieved a 73pt drop ... i have always paid on time my account was closed without my knowledge due to them claiming fraud i have never called them about fraud on my account.! and capitol one never called me to inform me about fraud!! I'v made them whole and paid off the account and they have not done right by me!! I want all negative/late payments removed! This issue is not my fault and i should not be punished due to the lack of communication and professionalism on the matter of this account!! Please make things right because as of today they are still reporting late payments and they should not be!
Consumer complaint received 2020-04-21
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CREDIGY USA CORP. (CA)

On XX/XX/2020 The law offices of XXXX XXXX XXXX XXXX was trying to XXXX all of my bank accounts for the amount of {$8200.00} I don't have any knowledge of this debt and why they are tying to levy my account I want an end to this harassments from this company XXXX XXXX XXXX  Thank you