davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY (LA)

I sold my car on XX/XX/XXXX. A Cashiers Check # XXXX was issued to TD Auto Finance on XX/XX/XXXX in the amount of {$12000.00}. Later, I received a bill from TD Auto Finance and I noticed the payment had not been posted. So, I called my bank and found out that the Debit to the Cashier Check had not cleared and I was informed by them that it was most likely lost in the mail because it was over a month it had been sent to TD Auto Finacne. I called TD Auto Finance and sent them over the bank credit copy of the cashier check that was issued to them on XX/XX/XXXX and we both agreed it must have gotten lost in the mail. I spose with XXXX XXXX a manager there and he said they would honor the payoff if I faxed over all the information for him to see. ( Bank Credit Copy that was issued to them on XX/XX/XXXX, Stop Payment of Cashiers Check and Reissued Cashiers Check ) I did do that and have all the documentation to prove it. Today, XX/XX/XXXX I received a bill from TD Auto Finance for {$59.00} that included a late charge. When I called I was on hold for 30 minutes before a representative said I had called the wrong number she could not help me any further. So, I called the number she gave me and it was the number to the Charge Off Department which my loan is absolutely NOT charged off so they told me I had called back the department I previously called. Once I called again I was transfer again and then transferred again to a manager who I either became disconnected with or was hung up on. ( I will go with the positive and hope I was just disconnected ). After that I called back and just paid the {$59.00} because I was not spending anymore of my time on he phone with no one that could help me. I just fee that I was lied to as a consumer by being told they would honor my payoff when they ended up charging me a late fee and additional interest. I have not checked my credit report as of yet but I'm sure this late payment will reflect negatively on my report and I feel as though this is not my fault because I contacted the company and sent them all information they asked for. Thank you for your time in this matter.
Consumer complaint received 2021-05-10
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (KY)

Someone had submitted multiple fraudulent applications with multiple banking institutions, including 5 inquires ( of both hard and soft ) which are XXXX XXXX XXXX XXXX, XXXX and 2 COMENITY/VICTORIA SECRET inquiries ( all were reported to the credit bureaus around XX/XX/XXXX to XXXX XXXX 2021 ), and of the 5 applications, 1 was able to go through and be approved, and a fraudulent COMENITY/VICTORIA SECRET store credit card was fraudulently created underneath my name. ( reported to the credit bureaus around XXXX XXXX, 2021 ) I have contacted all the creditors and banks listed above and they had all started an investigation ( except forXX/XX/XXXX, as they indicated they can not find any record of an application underneath my name and SSN that was filed with them, when I can see that on my credit report ) and had closed the account that has been fraudulently opened ( the VICTORIA SECRET store card ). However, all of the information listed above has already been reported to all 3 of the credit bureaus and has already begun to have a negative impact on my credit score.
Consumer complaint received 2022-11-01
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: REGIONS FINANCIAL CORPORATION (IL)

I reported to Enerbank USA by postal mail, letter dated XX/XX/2022, by USPS Certified Mail with Return Receipt number : XXXX XXXX XXXX XXXX XXXX, that the account they are reporting to all major credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, etc., is a fraudulent account as I did not open any such account. I did not receive a response back and mailed them another letter, dated XX/XX/2022, USPS Certified mail with Return Receipt number : XXXX XXXX XXXX XXXX XXXX. On XX/XX/2022 I received a letter from Enerbank USA, copy attached, dated XX/XX/2022, stating that they verified the debt as valid and is accurately reporting to the credit bureaus along with a Note & Disclosure statement and a Payment Authorization form. I do not have any knowledge of this account not did I make any payments to this fraudulent account. The letters received, which are attached, are also proof that the signature, that looks like someone just typed out and printed, is not mine and also the address listed on the account is not mine. I do not have any contract or any business with EnerBank USA nor ever did. This account is not mine nor did I authorize anyone to use my name for to obtain any goods or credit. The total amount stated on the letters I received is {$12000.00} but Enerbank USA is reporting this fraudulent account balance of {$24000.00} to all major credit bureaus.
Consumer complaint received 2021-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (NY)

I have a Paypal 2 % cash back rewards MasterCard from Synchrony Bank. In late XXXX/early XXXX Synchrony stopped giving me my 2 % cash back. 
Typically, I'd log in to my account to transfer the accrued amount and the page would tell me " We are unable to process your redemption at this time. Please try again later. '' ( See Syncrony 004 attached ) The next time I would try, the rewards would be gone altogether, but the yearly total would have increased to include the amount I never received. 
There would be no deposit into my bank account, no cash showing up in my regular Paypal account, nothing. The " cash back rewards '' were just gone.

Synchrony ignored my complaints, except for one letter ( Syncrony 001-attached ) that falsely claimed that the amount had been updated to reflect my correct balance, which it did NOT. 
Other than the running total claiming to show what I'd " earned '' to date, Synchrony has NO place to check on how much I was supposed to have received, when they claim I was " rewarded, '' nor where it went. 
Synchrony has stolen money from me.Synchrony KNOWS they stole the money because I pointed it out each time, only to be ignored. 
I've attached several screen shots showing the amount I owed for one cycle, syncrony 002, the next show that amount as PAID syncrony 003, a screen shot of the failed attempt to redeem, syncrony 004, and finally, the end result of every attempt, syncrony 005, the disappearance of the money. 
These screen shots are from the XX/XX/XXXX billing cycle, from XX/XX/XXXX through XX/XX/XXXX. I have more saved screenshots but they're on a computer that has crashed and I'm trying to recover those files. 
I was able, yesterdayXXXX, to claim {$42.00} in current cash rewards. The only other amount I've received was {$86.00} on XX/XX/XXXX, for a total of {$120.00} received by me. 
Paypal/Synchrony claims I've been paid {$230.00}. 
The difference, {$100.00}, while not Earth shattering, is still MY money, and I'm ready to proceed in Small Claims Court if necessary. 
I originally made this complaint to the NY State Attorney General 's office. and it has been passed along to the Department of Financial Services, and the OCC, yet nothing has been resolved.
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC. (CA)

A credit card account was opened at XXXX XXXX XXXX  on XX/XX/2022. 

On XX/XX/XXXX, I received information that there was an account in my name and that the address was changed to an address I do not recognize. 

On XX/XX/XXXX, I called and spoke to the supervisor asking them to close the fraudulent account, which they claimed they would but did not. 


On XX/XX/XXXX, I check my credit report and I see that the account was not canceled. 

So I called them to follow up on the situation and they claimed that they would cancel the account today. 

I do not believe them and am working very diligently to have them close the account immediately.
Consumer complaint received 2023-06-01
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. (MD)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 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  {$2200.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-05-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN HONDA FINANCE CORP (CT)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXXx XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXXXXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX NON-FCRA OPT-OUT TAKEN - HARD INQUIRIES DISPUTES : I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is bot 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the XXXX Edition of the Privacy Act published by the U.S. Department of Justice. 
LISTINGS OF ALL HARD INQUIRIES I DISPUTE AS DAMAGING TO MY CREDIT PORTFOLIO PLEASE DELETE THE FOLLOWING UNAUTHORIZED INQUIRIES : AMERICAN HONDA FINANCE XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS SUCH AS XXXX XXXX AND XXXX  XXXX. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASSE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated. 

Thank you for your full consideration in this matter. 


Sincerely, XXXX XXXX
Consumer complaint received 2023-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

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 15USC1681 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, XXXX XXXX XXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX  XXXX XXXX XXXX XXXXXXXX, XXXX XXXX : # XXXX, XXXXXXXX XXXX XXXX # XXXX, # XXXXXXXX XXXX XXXXXXXX : # XXXX 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681C ( A ) ( 5 ) 15 USC 1681s-2 ( a ) ( 1 )
Consumer complaint received 2021-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I received the PPP Forgiveness Loan on XX/XX/2021 through my Capital One personal checking account. Since then my account has been frozen due to me receiving a business loan in my personal account ( which is not illegal ). Since then I have submitted legal documents proving my loan is authentic. Today is XX/XX/2021 and I still do not have access to my funds and still no real update of when I will have them. Ive been told many many times that my account will be closed and my funds will be sent back to the lender but nothing still has not been done. Plus the bank is still collecting interest off my money and I cant even touch it. I was even told the secret service was investigating my case. Ive been patient long enough this is a cry out for help. Please help me and my family. 

Lender- Capital Plus Financial Lending AgencyXXXX XXXX XXXX Thank you, XXXX XXXX
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX 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
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

A credit card account was opened at XXXX XXXX XXXX  on XX/XX/2022. 

On XX/XX/XXXX, I received information that there was an account in my name and that the address was changed to an address I do not recognize. 

On XX/XX/XXXX, I called and spoke to the supervisor asking them to close the fraudulent account, which they claimed they would but did not. 


On XX/XX/XXXX, I check my credit report and I see that the account was not canceled. 

So I called them to follow up on the situation and they claimed that they would cancel the account today. 

I do not believe them and am working very diligently to have them close the account immediately.
Consumer complaint received 2023-06-01
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX Balance Owed : {$28000.00}.
Consumer complaint received 2021-05-08
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (NY)

Comenity closed my XXXX card after I paid the full balance without any explanation or reason.

I did nothing wrong.

I would like my card reopened or the XXXX card or inquiry/account removed from my credit report.
Consumer complaint received 2023-01-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (FL)

Florida HAF said a payment of XXXX was sent to Loancare in beginning of XX/XX/XXXX2022. Has not been posted by Loancare. I called Loancare on XX/XX/XXXX22 and they say they haven't received it yet. Please help.
Consumer complaint received 2023-01-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (FL)

Midland collected and garnished my wages once before, without serving me properly or attempting to meet face to face in court.

Then they have threatened and contacted my employer first with the same judgement they use the first time to garnish my wages, and now is threatening with garnishing my wages again after I agree to make monthly payments until the debt is satisfied.

They still have not served me with court documents to appear in court. Midland wants to garnished wages from employment when I can't even keep up with regular bills. 

The thread of garnishing my wages have me in a state of XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-09
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 (OH)

PayPal close my account for not reason and them will not help me with Getting it back up and going. Every time when I try to withdraw my money from my account PayPal hold my access. 
They just made all difficult for me. My account was already verified with all my personal information and I never made any mistake. 
I never had dispute or charge in my account. I do not know what the problem with PayPal is, but many Users have same problem, and the only answer of PayPal is said was Fraud activity. 
IF PayPal just hold money for everybody, I Guess PayPal must fix the problem. 

my account is associate with the email XXXX XXXX
Consumer complaint received 2021-05-10
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. (FL)

My car was totaled XX/XX/XXXX, the finance company who was XXXX was paid by my car insurance company and the gap insurance company to cover the total amount of the vehicle. My husband and I tried to purchase a new car and found out that XXXX put a charge off on our credit. When I called the agent said it was a clerical mistake, someone put it was charged off/repossessed instead of a total loss. They said they needed a supervisor to correct it, the supervisor refused and said we owed over {$3000.00} in late fees and other fees that accumulated after the total loss. I tried to explain to them we didnt have the car it was totaled and there should be no charges after the total loss date, they still refused. We even agreed to pay them if they would delete it from our credit and give me written proof. I had an agent agree to do that only to be told that they would not delete it off our credit because they cant, which I know they can and they would not give me proof. I told them I would speak with a lawyer at this point. I spoke with a lawyer who said not to pay it and no longer have contact with XXXX, that they would speak with them on my behalf and my husbands behalf. I called back to try and resolve this issue again they still would not work with us. I told them we would not pay it and I would fight it with the credit bureaus, m. They said that they would wait until the 28 day mark on the 30 days they have to respond and would fight it back. They said they would keep doing it because they have better more expensive lawyers and would sue me for everything to get the money and then they would sell it to someone else so it would never end and ruin my husband and Is credit. They also said that if I wait until the 7 years for it fall off they would just sell the debt and keep reselling it. I dont know what to do at this point but its ruined our credit and continuing to ruin it so we can not get another car or even our fist house. It is supposed to fall off in XXXX but Ive been fighting with them and the credit bureaus to try and get it off sooner and hopefully reverse the damage, Ive been working with my lawyer as well but we are having a tough time. The credit bureaus keeping saying it a valid debt even though they information they have reported is incorrect, we never had the car repossessed and I even have proof from my insurance company, the gap insurance company and a police report to prove the information is incorrect but they still wont remove it. XXXX is the worst company we have ever had to deal with and refuses to work with us at all. Im just afraid that when its supposed to fall off that they will follow through with the treat and sell the debt and it will never end and we will never be able to get another car or our first house
Consumer complaint received 2023-01-04
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 my several requests that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$870.00} ; XXXX XXXX XXXX  XXXX Balance : {$18000.00} ; XXXX XX/XX/2021 2021