davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-25
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

Contacted the company regarding my credit and they sent me this letter voluntarily. Sent it to all 3 credit bureaus and they sent back letter stating verified/updated when i want the account removed as per letter they stated they would dismiss. I called Credit bureau and was told they reached out to company and was told account was acurate and they werent removing account
Consumer complaint received 2021-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Greetings! For months I have been disputing these items with the 3 major credit bureaus. I am 100 % sure they are breaking the law and I'm humbly asking that they delete and remove each negative item because I do not recognize or honestly own or will ever accept their errors for the items they can not prove are mine. From Last fall to this year and spring I have been disputing yet they keep breaking the law. They keep saying the items are verified without proof. Since they broke the law multiple times I am ready to file a suite against them. These companies have broken the law and I am humbly asking that you please help hold them accountable.
Consumer complaint received 2021-03-25
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

Contacted the company regarding my credit and they sent me this letter voluntarily. Sent it to all 3 credit bureaus and they sent back letter stating verified/updated when i want the account removed as per letter they stated they would dismiss. I called Credit bureau and was told they reached out to company and was told account was acurate and they werent removing account
Consumer complaint received 2021-03-25
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 (CA)

1. PayPal, without warning and time to respond, increased the requirements for a PayPal account that does not allow me to login to my existing account. ( I DO NOT have a text capable/enabled or any mobile phone, nor do I intend to bear the expense of mobile phone service just so I can continue to use an existing PayPal account. ) 2. PayPal has REMOVED INFORMATION from their web sties ON ALL methods of contacting them WITHOUT logging in to the account ( which I no longer can do because of the added requirement blocking access to my account ). 

XXXX. I was not provided with the opportunity to close my account and request that all my personal identity, financial information, and statements, purchase information etc. be deleted from their files / servers since THEY HAVE BLOCKED ACCESS TO MY ACCOUNT, YET REQUIRE ME TO LOGIN TO THAT ACCOUNT TO RECEIVE SERVICE. 

4. PayPal is effectively blocking me from control of my personal data - e.g. is blocking me from closing my account and removing all my personal information from their service.
Consumer complaint received 2021-03-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (NY)

In XX/XX/XXXX I called Flagstar Bank to resume payments from the forbearance. They let me know that I qualified for the deferred back payment plan. They instructed me that I will be receiving the paperwork within 2 weeks and to notarize it and send back with payment. I contacted them again with the 2 weeks and they said it has not gone out yet but I should be receiving it shortly. Then I called them again on XX/XX/XXXX and was told the same thing. I called seveal time in XX/XX/XXXX and XX/XX/XXXX and the continue to be stalled and say they are still doing the title search. This went on for two months. I called them a total of 13 times. Then on XX/XX/XXXX they said there was a mistake and I have to start the process over again. So I started the process over again and they stated that I will be receiving the paperwork within 12 days but once again I still have not gotten any paperwork for the deferred payment ( I forgot the name they called the deferred payments at the back of the mortgage ). Nor have anyone ever reached out to me concerning this matter. But they would give me mortgage statements saying I am in default and the total amount due.
Consumer complaint received 2021-03-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

On Monday, XX/XX/2021, I attempted to withdraw {$1000.00} from my savings account at an ATM on XXXX XXXX in XXXX, OH. XXXX through the transaction, during a loading screen, the machine hung on the loading screen for multiple minutes before crashing to a black screen, resetting, and not dispensing the funds. I contacted the bank and got a dispute opened immediately. The temporarily refunded the funds, but on Thursday XX/XX/XXXX I received a letter telling me that my claim had been denied and the funds were removed from my account. 

I called the number on the letter and the customer service representative could not tell me anything other than the " ATM was balanced, but it's possible they counted the wrong ATM. '' She was not able to provide documents used as evidence, nor footage from any of the multiple cameras in the area of the ATM. The only thing she did was collect more information and re-open the case, saying that it may be another month or two before I hear from them again.
Consumer complaint received 2021-03-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (TN)

On XX/XX/2021 I logged into my Suntrust mobile app and saw an unauthorized transaction to " XXXX '' for the amount of XXXX $ and immediately I contacted Suntrust to have the transaction cancelled. However, they refused to saying that " the transaction have already been approved. I had never heard of " XXXX '' nor have ever used their services, yet I was being charged and the only thing my bank could do was lock my debit card and then file a claim. completely useless. the next day XX/XX/XXXX, I went to a branch to have access back to my account and my online banking, there I requested a new debit card and reset my online password. However, the second I got home and changed my password there already was another transaction to " XXXX '' even though the previous day Suntrust had assured me that any further transaction to and from " XXXX " would have been blocked. this time a transaction of XXXX $ still pending. so I picked up the phone and called my bank again with no help again whatsoever and saying that they can't cancel the transaction even though my account had been locked for the past 24 hours, suntrust again let " XXXX '' withdraw money from my account despite the fact they had locked the account and said that they would block any further transactions from " XXXX ''
Consumer complaint received 2021-03-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (FL)

On XXXX I went into the TD Bank in XXXX, Fl at XXXX XXXX XXXX XXXX and spoke with XXXX XXXX to report fraud on my account since I had been XXXX for nearly 3 years. She said the the Fraud department would contact me in 2 weeks and if not to come back into the branch and she would contact them again on my behalf. They never contacted me so on XXXX I went back into the branch. When I try to call the Fraud department myself, they say they cant help me since the account was closed and that I would have to go the branch. But when you go to the branch, they tell you have to wait for a phone call. The last transaction I made on my account was for {$7.00} on XXXX and I should have had a balance of {$690.00}.
Consumer complaint received 2021-03-25
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. (SC)

There are serveral account reporting I didn't authorize these accounts are violating my rights. Please remove these inaccurate accounts from my credit report and send updated copy to me. 
XX/XX/XXXX# XXXX {$500.00} # XXXX {$55.00} - I DON'T EVEN KNOW WHAT THIS IS XXXX XXXX XXXX {$800.00} XX/XX/XXXX # XXXX {$960.00} i'VE Tired reaching out to each company and got no help! These accounts are fraudulent and causing me great distress. I'm having a hard time getting approved for house because of these accounts that does not belong on there. The credit reporting agency is violating my rights. Please remove these accounts from my credit report.
Consumer complaint received 2021-03-26
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (MI)

In XXXX, I had my lease bought out by a third party dealer. Ally has received the payment for the buyout. I noticed in XXXX that my account online was showing past due on the website. I called Ally XXXX and after an hour of reps not being able to figure out why, I spoke to a supervisor, XXXX, who told me NO ACTION is needed on my part and Ally and the Dealer are finishing paperwork and I should not make payments.. However, now they are reporting that my account is PAST DUE on my credit report, significantly dropping my score. I spoke to another supervisor today XX/XX/26 who told me this is correct but there is nothing they can do to report the correct information on their side.
Consumer complaint received 2021-03-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions of Ohio, Inc. (OH)

I went visited XXXX XXXX  today to find out a bill from my sons mother wasnt paid. Im not listed with the provider. However they wrote a derogatory statement that said I was in collections. Never received a bill from them nor was I there during said services. My score dropped 32 points because of this. Please help.
Consumer complaint received 2021-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (UT)

Midland Credit is reporting an erroneous debt on my credit file and it must be removed. I recently checked my credit file and noticed this debt reporting on my credit file. I immediately called and settled this debt with them. I never received any letters, statements or calls regarding this debt. This violates my 30 day right to dispute under the FCRA and it is a violation. This must be removed from my credit. 
I am also aware that while this account is under review, you can not report this on my credit file. If any negative information continues to report to any of the three major credit bureaus this could constitute fraud under state and federal laws. Please remove this account from my credit file immediately.
Consumer complaint received 2021-03-26
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (FL)

I XXXX XXXX was entered into consumer transaction with XXXX on XX/XX/2016. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but XXXX took cash. The finance charge is suppose to include insurance, but XXXX made me purchase insurance separately. I XXXX XXXX was also a victim of identity theft because I entered into a consumer transaction with XXXX XXXX on XX/XX/2016. A consumer credit transaction in which I was tricked into thinking that I got a loan when in reality I only came for the credit, the promissory note was for them because XXXX XXXX got the loan 15 usc 1431. XXXX XXXX used my information to obtain an extension of credit, 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person. my information was used by capital one illegally to obtain my approval status for an extension of credit. can you guys please stop violating my rights as a Consumer? I have kids that have I have to take care of. it is hard to maintain a normal lifestyle because I can barely work because I have to spend countless hours studying the laws of the FCRA so I can finally get this issue resolved. I sat here for hours personally typing this letter myself with blood, sweat and tears because many nights I cried myself to sleep over these issues. I am begging you to please help me. do the right thing, I am a single father trying to survive during these covid times.
Consumer complaint received 2021-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BARCLAYS BANK DELAWARE (OH)

I have had Barclay credit card for almost 5 years. I paid my credit card off and then a payment hit from XXXX. It went two months without being paid and never received a phone call. If it was way more I wouldve received a phone call. Well it hit my credit report for a delinquency over {$4.00}. Ive never missed a payment since I have owned the card. It killed my credit score. I just want it removed or a note added to help me.
Consumer complaint received 2021-03-25
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On the 3rd week of XXXX, I sent a letter to the bureaus disputing errors on my credit report and have not received any response within 30 days which is stated in the FCRA. I sent them another letter on the XXXX of XXXX to complain about it and still up to this date they ignore my dispute. This highly affects my scores and opportunities and it is against my rights to have them report inaccurate information on my credit report, and not responding to my disputed within the time stated by the LAW. Legal actions will be taken if this was not resolved as soon as possible.
Consumer complaint received 2021-03-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

For XX/XX/2021, my income was too low or unstable to pay the monthly payments in full, so I had to make installments ... Nissan Motor Acceptance Corporation extended me for one month but their attitude was inappropriate and they were asking personal questions they shouldn't have asked. Then I started making payments around XX/XX/XXXX or the XXXX to cover XXXX XXXX payment which I did. Then I was going to send 2 installments of XXXX for that month but they stated I have to give them XXXX dollars to prevent recovery/repossession of vehicle. I explained to them about my financial hardship but they showed lack of concern. Then I had to talk to somebody like you to help me handle this situation professionally and legally. I'm awaiting a stimulus check so I can pay the rest of my debt..I only am behingdnow 2 months instead of three.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

There are several inaccurate accounts on my credit report that I have tried to address with the actual creditor, collection agency, and credit bureau they have ALL failed to provide me with the requested information. I am now seeking to summon them ALL to small claims court to assist with rectifying the situation. I have asked them numerous times and they have ALL stated that they have verified this account belongs to me without providing proof as requested. This is causing me great stress and if this is not fixed asap, I will be suing ALL.
Consumer complaint received 2021-03-26
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: FIFTH THIRD FINANCIAL CORPORATION (OH)

Fifth third bank has violated the Fair Credit Reporting Act ( FCRA ). They are still reporting a closed/charged off account from 2012. The first date of delinquency was on XX/XX/12. I was harassed and shamed by their recovery department. XXXX, a employee of the recovery department at fifth third bank also lied about the FCRA and stated that they will not remove this account from my credit reports because the date is actually from the last payment made which is 100 % false. He wouldnt let me speak. He was incredibly rude. I have record of my payment history with fifth third bank which I obtained from a local branch in XXXX, Ohio which clearly shows that my first date of delinquency/late payment occurred on XX/XX/12. After years of mistreatment and harassment from fifth third bank, I only ask that they respect the FCRA and my rights as a U.S citizen. I am not asking for any favors but just that they do the right thing.
Consumer complaint received 2021-03-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (FL)

This complaint is my debt was settled with Synchrony Bank after they had offered me a settlement amount {$1000.00} ( 3 Installments = 2 x {$360.00} and 1 x {$370.00} ). Per my conversations with numerous representatives from Synchrony Bank, please see attached notations made by me with dates, times and conversations. 
I am filing this complaint because I believed Synchrony Bank subsequently were Unfair, Deceptive and used abusive practices when they reported negative information about my account repayment to the Credit Reporting Agencies providing inaccurate information which is detrimental to my credit and is unfairly hurting my financial ability to raise my family after they made an agreement with me for a settlement amount, in which I paid them that said amount. 
Filing this complaint was my last course of action because I have reach out disputing through the Synchrony Bank and the Credit Bureaus and nothing has been resolved. I have spoken to numerous representatives for Synchrony Bank, including but not limited to the following : XXXX ( ID # XXXX ) located in the Ohio Office on XX/XX/2019 at XXXX XXXX. In addition, also on the said date, I was transferred to XXXX in the Collection Department at ( XXXX XXXX XXXX XXXX XXXX. On XX/XX/2019, I spoke to XXXX in the XXXX, he stated he could not provide his ID Number or extension to me, however, she stated he went ahead and filed a report on my behalf. After speaking with XXXX, he transferred me to the system to make the 1st Installment of the Settlement Payment. The system somehow was unable to take my credit card payment. 
On XX/XX/2019 at XXXX I spoke to XXXX in XXXX who took my payment and provided me a Confirmation Number : XXXX. On XX/XX/2019, I wanted to speak to a US Representative to confirm the conversation I had with XXXX on XX/XX/2019 in regard to removing the Charged Off from my credit file. After I was on hold for a few minutes, I spoke to XXXX XXXX ID # XXXX XXXX in XXXX at XXXX. She stated the US office closed at XXXX she then confirmed that the account was Charged Off and closed on XX/XX/2019 the same day, they told me to make the fist payment which was due on XX/XX/2019. I was upset but nonetheless, I requested a supervisor to give me a call back. 
On XX/XX/2019 I XXXX I spoke a Resolution Specialist, Tallyn at Extension XXXX I explained the situation and she instructed me to go ahead and make the final payment of ( {$370.00} ) which I comply and she stated, shell go ahead and take care of the issue and to extend her some time to research the issue and get back with me. 
The actions that took place was that I tried numerous times to reach her but to no avail. However, I later received the attached letter in the mail dated XX/XX/2019 stating the account is closed and that synchrony had that right. Subsequently, nothing has happened to rectify the situation to show Paid in Full for a lesser Amount and Not the Derogatory Status as currently being reported by the Credit Bureaus as Charged Off.
Consumer complaint received 2021-03-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (CT)

Received a letter informing us my husband was lucky, that XXXX XXXX was willing to accept a greatly reduced amount of money in order to cancel a loan. We wrote informing them there was never such a loan ... wrong party. Today we received a letter wanting everything from social security numbers, drivers license numbers, etc.and to have this informative letter notarized. I called XXXX XXXX ... they have no loan as described by the letter. The company sending the letter is Convergent Outsourcing, Inc.XXXX XXXX, XXXX, XXXX. They are located at XXXX XXXX XXXX XXXX, XXXX, Wa. XXXX ... The loan is to be for {$3000.00} ... 

At this point, having made several inquiries, we are suspicious this is not a legitimate investigation. We are unwilling to release our personal and private information, such as social security numbers, drivers license numbers, etc to this company. Any advice would be greatly appreciated.
Consumer complaint received 2021-03-25
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: OneMain Finance Corporation (TX)

CRA :XX/XX/XXXX Issue : Removed a closed positive account from Reporting without passing XX/XX/XXXX year XXXX XX/XX/XXXX. The item was there in the report on XX/XX/XXXX. 

Item : OneMain Financial Opened XX/XX/XXXX and Closed XX/XX/XXXX. 

On XX/XX/XXXX Called XX/XX/XXXX Customer service and the Dispute Department Agent said they didn't delete it and there were no disputes against the item. Asked to call creditor if deleted it. 

XX/XX/XXXX called " OneMain '' Credit Bureau and verified that they didn't send a Deletion. 

XX/XX/XXXX Called back XX/XX/XXXX again and they say they can't add the record back to the credit file. 

Impact : The wrongful deletion caused my Mortgage score to drop 18 point making my ability to Qualify for Mortgage which I need to Close in about 3-weeks.