davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-26
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 — Was not notified of investigation status or results
Company: Santander Consumer USA Holdings Inc. (FL)

To whom it may concern : A letter was sent ( USPS TRACKING # : XXXX, Delivered XX/XX/XXXX ) to Santander Consumer USA submitting a formal dispute of their account reporting on my credit reports. I also request validation bearing my signature showing I had a contractual obligation to pay them. 

I have not received a timely response from the company. 

I sent another letter ( USPS TRACKING # : XXXX, Delivered XX/XX/XXXX ) stating " I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a 'notice of dispute ' on my account within 30 days of my dispute, which you signed for on XX/XX/XXXX. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. '' I will include a copy of my credit report from XXXX dated XX/XX/XXXX, as proof that the company did not furnish the required disclosure. 

Today 's date is XX/XX/XXXX, and I still have not received a response from the company nor the required dispute disclosure on any of my credit reports.
Consumer complaint received 2019-11-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CENTERSTATE BANK CORPORATION (FL)

At CenterState Bank, I made a cash deposit to my account via the ATM on Saturday XX/XX/2019. In the amount of {$840.00}. 

As of today, Tuesday XX/XX/2019, the deposit was not credited to my account. I contacted the bank by phone, and was not able to get any resolution or speak to a manager. 

I drove to the bank. 

They immediately found the issue, and told me they have a problem with their ATM, and it has been a known issue for quite some time, yet, their ATM still accepts deposits. 

They refused to give me a credit, without balancing the ATM, which they advised they only do once a week, or they " would not get any work done '' even when they have a KNOWN ISSUE. 

I advised they need to balance the ATM, so I can get this credit. They advised they will do this, but are making me wait for hours. 

I also advised I would contact the feds, as this does not seem correct to me, that they can knowingly accept deposits in a machine that has a problem, further exacerbated by not balancing. 

I have tried to escalate this issue with the bank, as high as to XXXX XXXX, Regiomal Presiednt, yet can not get anyone to take a phone call. 

I believe a review needs to be done of not only this branch ( XXXX XXXX  in XXXX XXXX, FL ), but of the bank in general. 

This is ridiculous in today 's electronic and heavily regulated environment. 

Ironically, they have time to have 2  employees walking around with XXXX while I sit here.
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

In accordance with the fair Credit reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX BANKRUPTCY CHAPTER 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 1681 section ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-03
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: Resurgent Capital Services L.P. (TX)

I Sent a Identity theft alfadavit form to XXXX, XXXX, and XXXX on XX/XX/2023. Listing the following accounts as identity theft : XXXX XXXX XXXX # XXXX XXXXXXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This now my second time sending in a identity theft alfadavit disputing these accounts There is an attachment for XXXX XXXX XXXX XXXX Account XXXX XXXX showing they were ceasing the collection for the debt and removing it from all bureaus and have not yet. I have also seperately online disputed these accounts as well with experian and XXXX and XXXX but they keep coming back fromt the creditor as verifed.
Consumer complaint received 2023-06-16
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. (KY)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-16
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. (MI)

Pursuant to 16 CFR 313.1 financial institutions are required to provide a 30 day opt out notice to ALL consumers rather they would like their nonpublic information reported. 

Both XXXX and EXPERIAN failed to provide me with such notice. This is a violation of FCRA.

VIOLATION 1 : XX/XX/XXXX VIOLATION 2 : XX/XX/XXXX VIOLATION 3 : XX/XX/XXXX VIOLATION 4 : XX/XX/XXXX VIOLATION 5 : XX/XX/XXXX XXXX
Consumer complaint received 2023-06-16
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. (FL)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.
Consumer complaint received 2023-06-16
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)

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (VA)

I had a XXXX XXXX account back in XXXX it is a closed account and paid in full. The company is paid in full on all credit reports. This company is closed and paid in full and the credit reports reflect this. I tried contacting XXXX XXXX and they are no longer in business and now this company Jefferson Capital Systems LLC shows up on my report. A collection company called Jefferson Capital Systems LLC put on the credit bureaus that we owe money to them. I have documents from credit bureaus that this account is paid in full. Please help as no one at the credit bureaus are even looking into my accounts. This company is trying to collect something that is not owed to them. This company has impacted my credit horribly and they should not be allowed to get away with it. I am sending the credit information showing this company is fraudulently reporting and refuses to remove it. The credit bureaus are not taking the time to investigate the companies actions. Below is the information they are reporting to all three credit agencies. I called the company never heard of me. FRAUD! 
JEFFERSON CAPITAL SYSTEM Last reported XX/XX/XXXX {$6000.00} Open balance XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( 9 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements This is what it states on credit bureaus but it is fraud and does not meet FCRA requirements. It is actually violating FCRA in sections 608 and 611. Please investigate thoroughly as this company is violating FCRA and FDCPA very badly and falsely putting information on my credit reports under collection.
Consumer complaint received 2020-04-29
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. (VA)

I have previously sent disputed and the account came back verified. On XX/XX/XXXX I sent a Method of verification to the credit reporting agency for a chapter XXXX that is on my credit report. The agency received it and has failed to give me any results or verification. On XX/XX/XXXX I called and spoke with supervisor XXXX XXXX and asked him for the Method of verification, he said in order to verify it has to be verified through their original creditor or court system and since the courts dont verify with the credit bureaus They use their internal systems and that is their method of verification because it is public record. He then proceeded to tell me that it was my job to go to the courts and see if that was on my report because they didnt have to show me proof of verification.
Consumer complaint received 2020-04-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: WESTERN UNION COMPANY, THE (NY)

In two different months I tried to send money to XXXX as I am a XXXX-XXXX  to an American citizen in XXXX who needs the money and both times Wester Union has not processed my debit card which they charge at a lower rate and force me to use a credit card with, in my case, {$20.00} markup. The option to pay with debit card is available but no in practice. I wonder if this is another fee issue with WU, they have a checkered story. I checked with my bank ( XXXX  ) and they have no problem since I had money in the account and they have no issue of fraud with either. It is not a lot of money, but it does multiplied by many customers can be significant.
Consumer complaint received 2020-04-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (AZ)

Talked to their loss mitigation department I was offered a verbal loan modification and then 30 days later they said no to the modification and are now going to auction off my house I have talked to at least 8 different people at Shellpoint mortgage services and appear to be getting the run around I have been making payments all along but now they want to increase my payment amount which I can not meet They even sent back my last house payment twice now
Consumer complaint received 2020-04-29
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (SC)

I attempted to speak with the leasing company XX/XX/XXXX as I was working to recovery all balances owed so that I could setup balances due with a credit counseling company to complete my action plan directive, so that I could purchase a first home. I received a ledger signed by a XXXX XXXX rep advising the balance owed was {$1100.00}. I emailed them again shortly prior to my in person visit to confirm the balance and see about rendering the balance, and as of to date i still have not received a response, I was noticed on XX/XX/XXXX that XXXX XXXX XXXX, had forward my account to collections without communications to me regarding the balances owed/responses to call or emails. National Credit Systems , Inc. XXXX. XXXX XXXX XXXX, GA XXXX Toll Free : XXXX Phone : XXXX EMail : XXXX. 

I reached out to the collections company whom enabled me access to their site where i was able to get a brief itemized balance advising I owed XXXX when I was finally able to reach someone from XXXX XXXX after several calls on XX/XX/XXXX I was advised the balance was for damages to carpet. But according the prior ledger ( attached ) it was written off in XX/XX/XXXX. But re-added and submitted to collections shortly after my in person visit seeking the ledger so that I could remedy the balances as per my action plan for first time homeownership I pulled the documents rendered to the collections agency to find that the charges where not correct/ matching the balance due on the ledger of {$1100.00} as well as the lease or rental agreement they rendered is not me
Consumer complaint received 2020-04-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: PNC Bank N.A. (VA)

I am trying to establish a account connection for funds transfer from SEC registered XXXX XXXX XXXX and PNC Bank , National Association. PNC has been been non responsive in fixing the issue of allowing my XXXX Account to request fund transfers.
Consumer complaint received 2023-07-06
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. (FL)

Hello these companies has been reporting fraudulent accounts. Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-04-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (TX)

I got a derogatory mark on my XXXX  and XXXX  credit report stating this account got sent to collections. However, I don't have no knowledge of this debt and, that it doesn't belong to me. I would like to address this immediately and get this negative remark remove from my report. The account was removed and now has being reinserted back onto my credit report without know knowledge of this account. I've proof of account showing deleted and reappearing. 

CAINE & WEINER COMPANY INC
Consumer complaint received 2020-04-29
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. (GA)

I have contacted the creditors below and the credit reporting agencies on various fraudulent accounts multiple times and requested an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed below were opened in result of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2020, I saw a member of a watch forum listed a watch for sale at at online forum. 

I reached out to him through the email, and received instruction to pay him at an account also at Chase bank, so I wired him XXXX dollars. I did not notice that the account owner 's name was different at the time - his email name was XXXX XXXX and his bank account name was XXXX XXXX ( these are likely fake names, see below ). 

Later that day however, I researched more into the seller and realize he goes by a different name on XXXX. So I reached out to him through XXXX, and the real owner of the account confirmed that this was not him and his watchnet account was hacked. He never owned the email address in question, this was created by the scammer. 

I reached out to Chase, and they initiated a wire recall request. However, they say that they can not do anything without the other party 's communication, which is unlikely because they're scamming me and advised me to contact law enforcement. My banker also informed me that the scammer 's Chase bank account was very recently created, likely with fake credidentials. 

A week later, Chase closed the investigation since the other party did not respond. My banker advised me to reopen the case, which I did. However, it has been a month and I have not heard back from Chase. I tried calling the bank phone numbers I was given but could not reach anyone.
Consumer complaint received 2019-11-27
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: Experian Information Solutions Inc. (FL)

I did a voluntary repossession of the vehicle I purchased on XX/XX/XXXX due to going into labor more than 3 months early for my daughter. I understood it would be a balance remaining on the loan with XXXX XXXX XXXX also DBA XXXX XXXX I do not dispute that, however I filed bankruptcy and this debt was included in my bankruptcy on XX/XX/XXXX and it was discharged on XX/XX/XXXX and the company is still reporting a balance and missed payments on my Experian and XXXX  credit reports.
Consumer complaint received 2019-11-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

Bank of American is purposely misleading on their auto-pay setup process so Consumers like myself can not understand what proper selections to make to pay off your " Statement Balance '' each month to purposely mislead you and charge you interest. 

When setting up auto-pay on the Bank of America credit card, the only " Amount '' options are : - Amount Due - Minimum Amount Due - Account Balance - Fixed Amount None of these options *clearly* state or clarifies to me ( the Consumer ) that I am selecting the option to pay off my " Statement Balance '' on a monthly basis and it is purposely setup in this manner so I ( the Consumer ) makes a mistake and has to pay them ( Bank of America ) interest. 

Due to this confusing language, I had to call Bank of America to figure out how to setup auto-pay. The agent also was confused by the setup and had me set it up incorrectly and I was charged interest on my next bill. If Bank of America customer service themselves are unable to distinguish between the options then how am I ( the Consumer ) supposed to figure it out?! 

All the other major credit cards that I have XXXX XXXX XXXX, XXXX, XXXX, and XXXX XXXX clearly state in their auto-pay setup the option to pay " statement balance '' without any issues.
Consumer complaint received 2023-02-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

I have made several attempts to resolve this issue with XXXX. They continue to hold/misapply my payments resulting in principal application much later than payment received date and overcharging me interest. I make XXXX XXXX payments per month which they receive on the XXXX and XXXX of each month. They continue to put these dollars in " suspense '' and not correctly reduce principal until the last day of the month when they apply the full {$2400.00} over. I pay early intentionally to reduce principal, this is not appropriate treatment of my payments, and effectively forcing me into a scheduled interest scenario, versus a true calc based on principal days outstanding.
Consumer complaint received 2023-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

Please remove the incorrect addresses from my credit file. 
They have never been used by me for mailing or credit application purposes. I have requested for them to be removed many times. This is a violation of the Fair Credit Reporting Act. I have attached a notarized certificate of residence affidavit as well.