davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc. (CA)

XXXX XXXX XXXX   representing XXXX XXXX deleted negative information on my credit because they had no supporting documentation that I owed the debt, then Diversified Consultants bought the account and has repetitively sent correspondence demanding payment for the same debt. When I requested by law that they send me identifying documents to show that I owe this debt such am ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit : XX/XX/2019 DIVERSIFIED CONSULTANTS {$870.00}
Consumer complaint received 2019-12-25
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: TOYOTA MOTOR CREDIT CORPORATION (CA)

I am a victim of identity theft and on XX/XX/XXXX of 2019 per certified letter with tracking # XXXX I contacted credit reporting agency XXXX  XXXX XXXX XXXX TX XXXX regarding reporting of fraudulent Credit accounts on my credit report, out of 5 accounts they only deleted one fraudulent account and they are still reporting fall information about me.
Consumer complaint received 2019-12-25
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- OPEN ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account.
Consumer complaint received 2019-10-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (NY)

I purchased two items from Macy 's department store. the first was in XX/XX/2019 and the other was in XX/XX/2019. Both items were paid for with my XXXX XXXX credit card. I opened a macy 's in store credit in XX/XX/2019. I paid for the items the same day. When I received the card I never activitated the card. I received payment notices from macy 's I sent copies of my receipt several times. I was told a payment of {$30.00}. was made from my checking account. The number is correct but, I never authorizied the payment. my credit rating has gone down 94 points due to this problem. I made a payment of {$39.00}. yesterday XX/XX/19 to offically close my account with Macy 's after paying the bill I swreated the card. The paying institution for Macy 's is Citibank, NA Department os Stores National Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Attached are receipt of payments to Macy 's Department store.
Consumer complaint received 2019-09-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NM)

XXXX XXXX XXXX has sent a debt to the collection company TransWorld System. I was a former employee and had the email sent to me to deliver to my landlord. Which the original statement is sent in their name not mine. I had provide the mailing address to XXXX XXXX to mail the invoice to the landlord. The own has a bad feeling about me as I walked out as an employee without notice. This is not my debt.
Consumer complaint received 2019-10-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (NC)

Paypal is exploiting their virtual platform to avoid reliable human resolution and taking consumer funds without recourse. They then hung up the phone without resolving. 

I sent {$750.00} instant deposit to my daughter via Paypal for an emergency. Minutes later my daughter advised she received notice she will receive funds via e-check in 3-5 business days and not in minutes as advertised. 

I reached out to Paypal to express urgency. Spoke to multiple reps and supervisors. They said they could not stop the transaction nor expedite the payment. Paypal effectively hijacked my money by not giving me an option to cancel the transaction or providing a stop payment. I voiced the fact that they deceptively advertised an instant deposit and did not provide disclosures setting true expectations of funds availability. No pop-up was provided to say " before you send, funds will be sent by check in 3-5 days '' ... no clear notice.

I stayed on the phone for more than 2 Hours. I believe they purposely kept me holding on the phone to wear me down so that I can go away. But I'm not quitting on my daughter during an emergency because a company has poor customer service or simply no respect for customers. 

I even offered to provide additional documentation confirming that my bank account has sufficient funds. They still claimed that they couldnt help me. 

This company is exploiting their virtual platform to avoid reliable human resolution and taking consumer funds without recourse. They then hung up the phone without resolving.
Consumer complaint received 2020-10-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COLLECTECH DIVERSIFIED, INC. (CO)

This company responded to my last CFPB complaint advising that this debt was verified. This debt was NOT verified lawfully under the FCRA. I have yet to receive any PROOF that I signed any contract to be in agreement with them and that I owe them any money. 
They did not send me proper verification ( WHICH I ATTACHED. ) They sent alleged account information. That is not enough. They need to send invoices bearing my signature or a contract bearing my signature to properly verify this debt under the FCRA. They have not and I am willing to pursue this matter legally as my rights are being violated.

I reached out to Collectech Diversified on XX/XX/XXXX in regards to account XXXX. This is for XXXX XXXX and XXXX for an address I am not associated with and never lived at. I attached the letter I sent certified. I also attached their response I received on XX/XX/XXXX which was only the name of the original creditor and alleged dates of service and amount owed. FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Collectech Diversified has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
Consumer complaint received 2019-09-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MO)

I have two mortgage loans that were transferred to Loancare from XXXX earlier in 2019. Since then, I get a statement for one account but not the other and I have struggled with their online system because I can only access one account there. 

I paid my XXXX payments by sending two checks together in an envelope along with clear directions on how I wanted the payments applied to two accounts. One check was applied and the other was not. The unapplied payment pertained to the only account I can access online and I saw that I did not get credit for the check. So to avoid further charges against me, and assuming they threw the check away with the envelope, I made another payment online. I was charged {$5.00} because it was considered late. 

When my XXXX bank statement arrived, I found that the missing check was indeed cashed and I did not get credit on my account. So I made two XXXX payments for that account, one check and one online. I want the extra payment to be applied as my XXXX payment and also receive a refund for the {$29.00} charged to me for fees, {$24.00} for trying to pay by automated phone system and {$5.00} for them not crediting my account. I did speak with someone in their internet help department and she said she fixed the issue of not being able to view the second account online. It is not fixed. I can see the second account number on the drop down menu, but the account information will not open. 

Also, I have received two calls from unidentified numbers with messages to c all Loancare about my account. One was from Hawaii and when I called, the number was disconnected. Somehow, my information seems to be in the hands of phone scammers now. I did e-mail a copy of the cancelled check to Loancare, but given the numerous complaints concerning them, I am not confident that my problem will be addressed without government assistance.
Consumer complaint received 2020-09-14
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. (MS)

TransUnion and XXXX are fraudulent are on my credit accounts XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX
Consumer complaint received 2019-12-24
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Company closed on loan XX/XX/2019 stated that had two months to resolve issue with company on a fraudulent acct and held in escrow l. I was told {$1100.00} for XXXX told not to pay because Accts was incorrect from start insisted precondition to close that this be held in escrow until settled with XXXX. This has been removed from reports yet after 4-5 months no interest on escrowed funds or return of funds to me to date and as of today XXXX has not been paid and should not be paid on this acct which is wrong for many reAsons! I have never been given an Esxrow Acct number! XXXX has sent bill showing no payments in the last 2days and Citizens Bank given letter on XX/XX/2019 Explainibg that this was an incorrect acct and more yet insisted that I pay someone elses acct! Escrow funds were collected for closing on loan of {$5000.00} yet can not get any info on these funds to date REFusal to provide this or return info on escrowed funds of $ XXXXCollected at closing! MOST IMPORTANTLY CAN NOT GET INFO ON WHAT HAS BEEN PAID TO DSTE TAXES ON HOME etc ... NO INFO ON ESCROW FUNDS OF {$1100.00} and {$5000.00} collected at closing!
Consumer complaint received 2019-12-24
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (PA)

Purchased a shower door through LOWE 'S. Was offered to apply for a credit card to take advantage of 6 months no interest - I consented since it was a large purchase. Received my first statement and showed that i am being charged interest. Called Lowes, they told me to take it up with the credit card company. Called the credit card company - they say take it up with the store. NO one seems to care, this is highly deceptive, I am being charged interest, I have hard credit inquiry that impacted my credit, and for some reason they processed a business card for me and I do not own a business. Certainly a bait and switch.
Consumer complaint received 2019-10-15
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Byrider Franchising, LLC (IL)

Car was repossed twice in a month. Just paid over 1300 to get the car back. They had my car for 2 weeks, yet the payments were still going so when i got the car back the payment was due again the next day. I asked could they adjust the payment to the following week or 2 and was refused. 7 days later they came and took the car off private property.

The VIN number shows the car is a lemon and I'd been making payments 3 times the amount the vehicle was worth. XXXX for an XX/XX/XXXX. 


I am not working they didnt have a hardship program. 

I want to sue for emotional trama as well.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (CA)

I am requesting to have the negative impact of a revolving account removed from my credit report. I settled this debt prior to it being seen by the court, and expected the judgement to be completely vacated. I am requesting relief as per the following circumstances... 

This account was charged off and settled. Upon waiting for an update on my credit reports, I became aware of the negative impact this account has had on my credit report, which is very concerning to me. 

In XX/XX/XXXX, I enrolled in a debt relief program with a company called XXXX XXXX. Their program was intended to help consolidate my debt and expedite my path toward returning to the XXXX credit score I'd had, and becoming debt-free. Unfortunately, I was misled. I was not informed that this company would deliberately allow my accounts to become delinquent in order to negotiate settlements with my creditors. This action severely damaged my otherwise strong credit profile. XXXX XXXX also implemented a Power of Attorney over my finances, assuming control over all communications with my creditors. 

As a result, I was disconnected from any direct communication with the company and my other creditors for over a year. This has had a profound and damaging effect on my credit profile and score. After realizing the detrimental impact of my relationship with XXXX XXXX, I terminated my involvement with them in XX/XX/XXXX. Despite their promises, they failed to act in my best interest, continuing to collect payments from me while not making payments to my creditors as agreed. 

I was discouraged by XXXX XXXX from communicating directly with my creditors or considering alternative options they may have been able to offer. I now understand that this was not in my best financial interest. Given the circumstances, I am hoping to explore potential options to address this situation and possibly correct the negative reporting on my credit profile. I am committed to working with you to find a resolution that benefits both parties. 

Thank you for your time and consideration of this request. I look forward to hearing from you and working together to resolve this matter.
Consumer complaint received 2019-03-05
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: EQUIFAX, INC. (TX)

Sent Equifax disputes of inaccurate and incomplete information asking them how they verified the information on my credit report on XX/XX/XXXX and got no response. I then sent another letter on XX/XX/XXXX notifying them of non-compliance of the law that requires them to respond within 30-45 days and asked them to delete the innacuarte and incomplete information based on non-compliance and did not get a response again. I pulled my credit report and the inaccurate and incomplete accounts are still reporting. I then called Equifax and they claim they never received the dispute letters after they confirmed I had the address correct. It seems Equifax is refusing to investigate and can claim they never received the letters to get around the law. Equifax has a complete disregard for my consumer rights and is blatantly breaking the law.
Consumer complaint received 2019-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GLA Collection Company, Inc. (KY)

Two companies are at fault. The first agency is XXXX. I can't believe they are still in business and used by so many companies. I have tried for weeks, probably 20 times, to dispute an item and the website never works. When I finally tried to call ( as website directed ), I was transferred twice and then the " rep '' stated the system was unavailable and to call back in a few hours. She was clearly lying per script. Outrageous. XX/XX/2019 The submitting collections company is GLA Collections - I called and informed them the account in question was fully paid and asked that they inform both XXXX  and XXXX. The original creditor explained they have a 30 day rotation before they would infowm GLA and recommended I contact GLA directly. I gave GLA the confirmation number from my payment and they refused to update my report. They repeated the same excuse that they needed to verify with the creditor but, could not contact creditor and would have to wait to be updated by them. Terrible response. Item is still on my reports.
Consumer complaint received 2020-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

There are several student loans that is reporting inaccurate status. They are reporting that I was 90 + days late and this information is incorrect. Please remove this inaccurate status. I was never 90+ days late on the following accounts : Dept of Education/XXXX - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$5200.00} ; I was never late 90+ days late Dept of Education/XXXX - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$11000.00} ; I was never late 90+ days late Dept of Education/XXXX  - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$4800.00} ; I was never late 90+ days late Dept of Education/XXXX  - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$3500.00} ; I was never late 90+ days late Dept of Education/XXXX - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$1400.00} ; I was never late 90+ days late Dept of Education/XXXX  - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$6800.00} ; I was never late 90+ days late Dept of Education/XXXX  - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$3300.00} ; I was never late 90+ days late Dept of Education/XXXX - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$3900.00} ; I was never late XXXX days late Dept of Education/XXXX  - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$5300.00} ; I was never late 90+ days late XXXX XXXX - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$0.00} ; I was never 60 days late XXXX XXXX - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$0.00} ; I was never 30, 60, 90, 120 or 180 days late XXXX  - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$35000.00}, XXXX, & XXXX ; I was never 30 or 60 days late
Consumer complaint received 2021-01-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2020 I started receiving phone calls on my cell phone - non-stop. I called my cell phone provider to report that my phone wouldn't stop ringing from unidentified numbers. 
12 hours later, I found out that someone XX/XX/XXXXout almost {$15000.00} out of my checking account. Initially, they made two deposits XXXX XXXX and XXXX ) then transferred money out of my account by hijacking the network. I had spotted the transfer on the same day, called the bank filled a digital fraud claim, explained to the representative what had happened that that someone used my phone to complete the transactions. I had requested that these transactions would be denied because they were in the " processing '' status. 

Bank of America representative kept on asking me whether I had called in earlier that day, and then had confirmed with me that someone called the bank, claiming to be me, but was unable to bypass security. 
I filled a police report at XXXX XXXX Sheriff Station on the same night. Two hours later all calls have stopped. ( I am attaching a screenshot of the calls so you can reference the frequency of the incoming calls ). 

XXXX has a record of all the incoming calls, which there are almost 70 pages of incoming calls ( which an operator from XXXX had confirmed with me ). 

On XX/XX/XXXX, I have received notification from the bank that Bank of America will not honor my claim because " their investigation found that the transaction in question was completed using a device that is consistent with previous valid account activity ''. 
Bank of America - never looked into the fact that my phone was accessed by criminals hacking the network!! Please HELP!
Consumer complaint received 2019-10-15
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (WV)

In XX/XX/XXXX I called Nissan Motor Finance to get a two month extension that they said I was approved for. In Early XX/XX/XXXX they were calling me and telling me I was 3 months behind. I told them I was not because I got the two month extension. They said I was approved for it but it wasnt applied. So I told them to apply it because I was already approved for it. They said they couldnt because I was showing three months behind. I told them that if they would have done it when it was approved I wouldnt be three months behind. I told them that I was going through a lawyer to file bankruptcy and now they are trying to repo the vehicle.