davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance : {$690.00} XXXXXXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-06-24
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. (WA)

XXXX ; XXXX and Transunion are reporting incorrectly late payments on the XXXX XXXX partial account number XXXX. This loan was sold ; paid in full and settled. XXXX XXXX is still reporting incorrectly late to all three ( 3 )  bureaus. ( Please see pages 8 and 9 of the attached credit report. This incorrect reporting is harming my credit score. Please remove these line items from my credit report.
Consumer complaint received 2023-04-22
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. (MA)

XXXX XXXX  reported I had a late payment in XX/XX/2022. 

My payment did not process due to my bank XXXX XXXX XXXX being bought out by XXXX XXXX XXXX XXXX  and a processing error. 

XXXX XXXX  did not honor that I had submitted a payment and reported to the credit agencies resulting in a much lower credit score. 

This is outrageous that XXXX XXXX XXXX said they would honor the old account number and did not, and is under current lawsuits in the state of Massachusetts and that XXXX XXXX  wanted to report to this as a late payment. 

This payment was not late on my part but a banking error.
Consumer complaint received 2024-07-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (NM)

This is about the XXXX XXXX charge card issued from XXXX, in which my owed amount went up quickly. I noticed double charges and an unidentified person had requested that a duplicate card be sent to my address. I kept receiving emails indicating someone else was in my account which made it look like it was me. It was not. Additionally, a payment exceeding {$2000.00} was not credited to my account even though I have the receipts in my email. I tried to bring this up with customer service through XXXX 's chat feature and was only told to email the hardship debt resolution center. I called and got put on hold for over four hours causing me to give up and I decided they would contact me when I didn't pay the bill. My credit limit also got reduced significantly enough to lower my credit score excluding me from being accepted to a consolidating loan I was considering. This created a snowball effect and my credit suffered immensely. My charge account was referred to Calvalry SPV XXXX without notice and I was summoned to court. Before I was summoned to court, Calvary called me and I informed them of the fraudulent actions on my account. They ignored it and took me to court anyway. Because I was representing myself, I never got a hearing and my case was pushed into a default judgment. I never received anything from the court about my case even though I answered the complaint timely. About a month after the default judgment, Calvary sent me a form to fill out about the fraud, they required a convicted person for proof. I filed an identity theft report and affidavit with the FTC and mailed it to them plus the three credit reporting agencies. At this point, I am at a loss because neither the credit agencies, the debt collector, the bank, or the store has taken me seriously. I know I owe some of the debt, but the amount I owe is significantly less than I am being accused of. This is a complaint against XXXX XXXX for the security of their system whether its employees or outside the store, XXXX for not investigating, Calvary for not stopping collection actions until investigated, and the civil court in my district for ignoring my side of the case and not providing me with the answers I needed to defend myself properly, including where and how to file motions.
Consumer complaint received 2024-07-07
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: SANTANDER HOLDINGS USA, INC. (FL)

The dealership did not follow through with what they said they were going to do which was fixed the vehicle that was broken before I bought it. That was a condition of me buying the vehicle for them to fix it. The manufacturer did not make the part to fix the vehicle anymore so instead of them, just taking the vehicle back unwinding the deal on that vehicle and setting something up to maybe purchase something different. They wanted me to keep a broken vehicle. They wanted me to keep a vehicle that 65 % of the car was controlled by this head unit which is the touchscreen of the vehicle controlled the AC climate control features XXXX XXXX back up radio 65 % had its own Wi-Fi signal. None of that worked Because the head unit was broken. I bought the vehicle on XX/XX/XXXX of 2023 and never had it. I requested the dealer jacket from them. They wouldnt give it to me. I tried to resolve this multiple times with the used car manager, XXXX nothing went through nothing ever happened XXXX the finance manager Im guessing she refused unwind the deal. She thought it was nice of her to make me try to keep a broken vehicle. She was the one that told me that I couldnt just leave and walk out that night when I was there, the last one literally was there was me and XXXX and XXXX, my sales XXXX, and she actually told me that I wasnt allowed to leave no not lying so I was misled to believe that something was supposed to happen that didnt and then on the paperwork it says that I bought the vehicle from XXXX XXXX XXXX which I never went to XXXX XXXX I was at XXXX XXXX the door sticker and the window sticker on the vehicle said XXXX XXXX and that the vehicle was never in any accidents and Will had been into accidents before I owned it Attempted to buy it however you wan na put it its on my credit thats what XXXX care about. I want it off my credit. I want my money. I never paid the first payment nor did I take delivery of the vehicle because I wasnt gon XXXX XXXX around in a vehicle that could not control the AC the radio everything that I described meanwhile it was only worth about I believe is less than {$10000.00} with a broken head unit The loan is {$22000.00} so {$2000.00}. Thats a big difference. Ive attempted to resolve this with them for the past year and a half and Ive gotten nowhere but laughed at left to sit in the in the waiting room for four hours at the dealership, nobody has helped me, I paid {$1400.00} for Lawyer because its been over a year since Ive had them send the documentation and demand letter to XXXX XXXX which is XXXX enterprises XXXX and XXXX XXXX is owned by XXXX real estate XXXX The whole situation to me was an exact was a scam. They took advantage of me totally and I was told that I could not leave the finance office that I wasnt allowed and that I was told that I needed the key. I was gon na have to keep the vehicle that oops no big deal. Well, thats just not gon na happen.
Consumer complaint received 2024-07-04
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc (IL)

I booked a hotel through XXXX and used Affirm to pay for the accommodations on XX/XX/year> at The XXXX XXXX XXXX XXXX XXXX. Upon arrival at the hotel, me and my family were disgusted of the cleanliness and condition of the hotel room. We decided not to stay at the hotel and the hotel manager gave me a full refund as well as a bill ledger showing the refund to the original form of payment. I contacted and bought XXXX and Affirm regarding the cancellation of the accommodations and the refund starting XX/XX/year>. I also sent bought companies all the evidence showing the full refund. Affirm is still showing that I owe the amount and overdue on my account and on my credit report. I feel that I should not owe this amount to Affirm since I canceled the accommodations and the payment was refund back to the credit card that either XXXX used or Affirm used to pay the hotel. 
Please help me with this issue, since bought companies are reluctant to resolve this issue. Thank You in advance.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Recently, I reviewed my credit report and discovered that PORTFOLIO RECOVERY ASSOCIATES accessed my report without my permission on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They have not met the requirements under the FCRA to gain access.
Consumer complaint received 2019-06-24
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. (TX)

l have contact all three credit bureau and stated that have been a victim of identity theft. I was told to send certain documents to prove that i was victim of identity theft. I sent all documents on XX/XX/XXXX and placed a fraud alert on my credit and the fraud accounts are still there.
Consumer complaint received 2024-07-03
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (CT)

Wells Fargo has been mailing me mediation request forms pertaining to unauthorized accounts opened in my name including account ending in XXXX, a checking account, as well as account ending in XXXX, a Jewelry Account. I've filled out a total of XXXX or more of these forms, sent in, acknowledgement letters received. When I call number on letter, XXXX, I am told all efforts exhausted and or am hung up on. I can assure the CFPB, there were no such efforts made with regard to accounts mentioned above, I've requested a manager call back, in which case, I am either told managers are in a meeting or told they do not accept calls. I believe any efforts referred to might be from a prior mediation in XXXX, which refers to prior deposit accounts opened in my name, also unauthorized. I was offered a payment amount of {$3700.00} by XXXX XXXX, payment never received, reported to IRS, in which case, I am liable to taxes on funds not received.
Consumer complaint received 2024-07-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc. (CA)

Date of transaction : XXXX XX/XX/2024 Amount of money : XXXX ( including XXXX fee ) Business : international money transfer within XXXX days Nature of dispute : Today is XX/XX/XXXX, after XXXX days, I haven't received my money they promised to transfer ; however they already marked in their system that they already delivered. They confirm all recipient information I sent is correct, and told me wait for XXXX  days but I never receive. In the XXXX time I reached out to them, they kept ask me to wait without any solution. In the last chat, the agent left me in the chat box without any notice of leaving. 
Whether or not business has tried to resolve the problem : No, they just told me keep waiting and doing nothing.
Consumer complaint received 2024-07-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Fay Servicing, LLC (MD)

There is NO RECORDED ASSIGNMENT OF MORTGAGE on my deed/propertysee attachments Loan No : XXXX MERS MIN NUMBER : XXXX 1 ) I advised servicer* I am aware XXXX XXXX SOLUTIONS & XXXX XXXX, is the Trustee on my DEED OF TRUST. 
XXXX 2 ) I requested who is the Trustee, full address, city, state, and zip code on my Promissory NOTE. I have yet to hear back from them.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Spring Oaks Capital, LLC (GA)

XXXX date- XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Company/date- SpringOakCap XX/XX/XXXX Company/Date - XXXX XXXX  XX/XX/XXXX The accounts above are fraudulent and is not mine.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc (GA)

XXXX date- XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX Affirm incXXXX XX/XX/XXXX Company/date- XXXX XX/XX/XXXX Company/Date - Affirm inc- XX/XX/XXXX The accounts above are fraudulent and is not mine.
Consumer complaint received 2024-07-03
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bridgecrest Acceptance Corporation (CO)

I called bridgecrest ask them for all contracts that was sign I ask them if car was sold at Market value not a Auction I need the Information for that lady told me it was sent I told her I never received anything from yall I told her I did not Authorize the sale and use of my Personal Information my Social data of birth did not give them right to us it the woman did not want to send me all the documents I asked for
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Exeter Finance, LLC. (MD)

EVERY time that I have called someone at that company, they are NEVER helpful. I want to turn the page on this matter already. I DON'T KNOW WHAT EXETER FINANCE IS. I SIMPLY WANT/NEED THIS INQUIRY TO BE REMOVED FROM MY CREDIT PROFILE. SPECIFICALLY -- -- -- -- -- A PERMISSIBLE PURPOSE LETTER SENT TO ALL 3 BUREAUS.
Consumer complaint received 2024-07-03
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Guild Holdings Company (TX)

I bought my house on XX/XX/XXXX of XXXX, I had {$13000.00} for closing costs. The Escrow had {$880.00} for the 2 months of taxes in XX/XX/XXXX to the date of XX/XX/XXXX which equals {$880.00}. I'm XXXX XXXX  XXXX Veteran and am tax exempted for property tax in the state of Texas.I have the documents to prove both, I had missed a payment due to situations out of my control, I had been saving cash to get caught up and in XXXX I was robbed and lost everything. I explained to the Guild mortgage company and they were understanding. I kept paying my mortgage and XX/XX/XXXX I tried to make a payment and it would not accept payment online. I than called Guild Mortgage and they refused my payment saying I was 3 months behind, which I was not. Guild Mortgage and myself figured out a option, for deferred payment but once I got the paper work, my Mortgage payment went from {$1900.00} to {$2000.00}, when I asked WHT they said they lent me money to pay my taxes on XX/XX/XXXX for {$800.00}. Here we are in XX/XX/XXXX this is the first time I'm hearing about this. Guild Mortgage said they sent me a check for {$880.00} for surplus, which was the check for my taxes, which the title company sent to Guild Mortgage on XX/XX/XXXX that was documented for taxes. I never received a check I have bank statements from all of XX/XX/XXXX and XX/XX/XXXX, also I have USPS Informative mail, which shows my mail the day before delivery and nothing from Guild Mortgage. They sent me a copy of a check with my name on it, the front of the check perfectly legible, the back of the check you can't read anything everything is smudged, except my signature was perfect. The only thing is I signed my name a little bit different when signing my mortgage papers, I was so tired I forgot to cross the T an F on my signature like I always do. So someone in Guild Mortgage tried to falsify a check to cover up the theft of {$880.00}. I have all the proof and I have reached out for the last 2 months, they have been rude, talk down to me about my XXXX, call me a liar, their Accounting team said they won't look into a fraudulent check older than 4 months, all I asked is where the check was cashed and where did they send the check, they informed me they did know. They refuse to reach out to XXXX XXXX XXXX to look up the check by the tracking #. This has caused me to not sleep, miss my opening night of my XXXX XXXX, my girlfriend left me over all this it has caused so much grief, I stay on the phone for hours with them and nothing gets done and they want me to sign papers that increase my Mortgage to crazy amounts. Please help me I have all the proof and documents to prove my allegations...
Consumer complaint received 2024-07-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TX)

My credit score decreased and my credit limit on my credit cards decreased first, then my score went down. The company started calling me to make arrangements, on the debt they said I owed. I tried asking them what the was the name of the company, that I said owed on a debt because I hadn't taken any debt out. They asked if I wanted it disputed and I said yes. They mailed me a letter stating that it was XXXX and I electronically signed up for an XXXX XXXX XXXX. They had my name and address on the form, but there was a different email address on the paperwork, it was someone else email address. I did not sign up for this vacation. They also have it listed on my credit report twice for XXXX different amounts. The first amount is {$2700.00}, the second amount is {$3700.00}. I've also start receiving accessive emails from random things.
Consumer complaint received 2024-07-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (GA)

Macy 's XXXX XXXX XXXX received payment via USPS certified Mail with tracking on XX/XX/year> and did not credit payment to the principal account nor did Macy 's XXXX XXXX XXXX continues return the payment in accordance with UCC 3-603 this means DIsCHARGE. Macy 's XXXX XXXX XXXX continues to furnish inaccurate information to third party credit agencies without due process and this action is causing me and my family great harm. after careful review of the statements I also noticed that the statement amount that Macy 's XXXX XXXX XXXX is alleging the principal owes is in a positive form which is inaccurate and needs to be corrected. If these actions are not completed upon receipt of this notice I will have to report Macy 's XXXX XXXX XXXX because I will not participate in any fraud.
Consumer complaint received 2024-07-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

To Whom It May Concern, I am writing to formally request that you cease all collection activities related to the above-referenced account. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request that you stop contacting me regarding this alleged debt.

The reasons for my request are as follows : 1. **Validation of Debt** : I request that you provide validation of this debt, including the original signed contract and a detailed account history. If you are unable to substantiate this debt, you must cease collection activities immediately and remove any negative information from my credit report. 

2. **Disputed Debt** : I dispute the validity and accuracy of this debt. Continuing to pursue collection without proper verification is a violation of the FDCPA. 

XXXX. **Harassment and Inconvenience** : The frequent communications regarding this debt have become harassing and disruptive to my daily life. 

Please treat this letter as a formal notice under the FDCPA to cease all further communication with me and to cease all collection efforts regarding this debt. This includes phone calls, letters, and any other form of communication. Failure to comply with this request may result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and/or legal action. 

I appreciate your prompt attention to this matter and expect written confirmation that you have ceased collection activities. 


by this means I am contacting you to ask you to desist and stop sending me documents with accounts that you purchased, to try to collect alleged debt, I currently collect not enough to pay that type of debt and you are taking away my peace of mind, I just got divorced and I'm going through a bad situation and you are interfering with my peace.
Consumer complaint received 2024-07-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY ()

Re : Closure of Account Request for Explanation and Reconsideration Reference Number : XXXX To Whom It May Concern, I am writing in response to the letter dated XX/XX/year>, which I received from your office, informing me of the impending closure of my account ( account number XXXX ) effective XX/XX/year>. I am deeply concerned and perplexed by this decision, which appears to have been made without prior notice or explanation. 

As a loyal customer of TD Bank, I find this action unjustified and detrimental to my financial wellbeing. The letter states that TD Bank can no longer support my banking relationship due to an internal review, but it fails to provide any specific reasons or evidence for this decision. This lack of transparency is unacceptable, and I demand a clear and detailed explanation for the closure of my account. 

I require the following information as a matter of urgency : 1. A comprehensive explanation of the reasons behind the decision to close my account. 
2. Any specific findings from the internal review that led to this decision. 
3. Details of any alleged breaches or issues related to my account. 

Until these details are provided, I formally request that the closure of my account be suspended. I also expect immediate clarification regarding this matter to avoid any unnecessary disruption to my financial affairs. 

Please treat this letter as a formal notice of dispute regarding the closure of my account. I expect a written response within 7 business days from the date of this letter. Failure to provide a satisfactory explanation will compel me to seek legal advice and explore further actions to resolve this matter. 

I hope that TD Bank will handle this situation with the urgency and seriousness it deserves. 

Yours faithfully,