davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-16
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. (OH)

I received a copy of my credit reports and am writing to dispute the following information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX transunion XXXX XXXX XXXX XXXX XXXX {$4800.00} Date Opened XXXX  XXXX, XXXX I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

XXXX Balance {$3800.00} Date Opened XX/XX/XXXX I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

XXXX XXXX XXXX date opened XX/XX/XXXX {$720.00} I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

XXXX XXXX date opened XX/XX/XXXX {$18000.00} I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

XXXXXXXX XXXX XXXX Date opened XX/XX/XXXX Balance XXXX I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

sunrise bank self lender date opened XX/XX/XXXX balance XXXX I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

Inquiries 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
Consumer complaint received 2023-05-30
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA (CA)

Hello, This is the second time we have turned in a vehicle to Hyundai and had issues. This time, first we got a letter saying we turned in our vehicle early and therefore it was going to auction and we would be responsible for the difference which likely was going to be $ XXXX. Was absolutely not correct. Next we were told there was damage to the car and that we owed them money. I have a long video of me walking around the car in detail at the dealership due concerns over past issues. I also paid for the damage insurance and had the car serviced at the dealership less than a month before turn in when it received a clean bill of health. The images used to show the damage, never showed the whole car to validate it was my vehicle, which it could not have been as mine was not damaged. They also want to charge me for not getting a new car, which I did and financed thru them. When I try and tell them that, they just seem to ignore the comment. I keep getting a bill for {$850.00}. I have excellent credit and have had for years. All payments are made autopay as is for my new car. I love Hyundai cars, but HMFUSA is a just a joke. 

I talked to them on the phone numerous times and finally said I wanted to go to arbitration which was in accordance with a document they made me sign when I got the lease. All issues would go to arbitration. I said that I wanted arbitration verbally on three different calls which I was told were being recorded, sent them two registered letters and still it has not happened and now the debt is on my credit report. 

I see they were fined just last year for bad behavior and I think they should be fined again. They are abusing their position and need to get their house in order or continue to face fines and penalty payouts until they do.
Consumer complaint received 2017-03-22
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (CA)

We received a notice from Specialized Loan Servicing in XX/XX/XXXX saying our HELOC was approved and we mailed in a signed form agreeing to the new HELOC terms. SLS sent another notice in XX/XX/XXXX, at a higher interest rate, which we signed and mailed in. SLS said the original agreement was not received. The second HELOC SLS said they received it two days late so they were unable to agree to the terms and the loan was due. We subsequently filed for a loan modification under the HARP program. Starting in XX/XX/XXXX we sent in the required documentation only to be told that additional documents were needed. We sent in the required documents only to be told that some were not received. We contacted our account manager and he suggested resending everything. We then faxed, emailed, and mailed all of the same documentation to their address. We made multiple calls to find the status of the loan and recently SLS said all documents were received and it was in review. 
During this same time period we were having payments taken out with automatic monthly withdrawals, paying the interest payment plus a additional {$1000.00}. In XX/XX/XXXX SLS said they were stopping automatic payments per our request. We did not request a stop to the automatic payments. To continue making payments to SLS we used their website to make a payment to our account on XX/XX/XXXX in the amount of {$1100.00} which was accepted by XXXX. The following month we used the payment coupon form provided by SLS which was mailed monthly to us to send a payment to SLS. The payment was rejected and returned saying the loan had reached maturity date and they are unable to cash the check. We were attempting to keep the loan current while the loan modification was being made. Subsequently, SLS has been sending reports to credit agencies that we were delinquent in payments even though we made good faith payments to keep the loan current through the loan modification process. Concurrent with this process we were working with our bank to get a personal loan for {$100000.00} to pay off the loan to SLS in case the loan modification did not go through. Due to SLS making negative reports to the credit agencies the bank did not go through with the loan. We also made a payment to SLS on XX/XX/XXXX for the amount of {$2900.00} to keep the loan current, to date they have not cashed the check or sent any written correspondence.
Consumer complaint received 2024-04-30
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: IDAHO CENTRAL CREDIT UNION (AZ)

This is response to ICCU 's response to my complaint. I am intending to sue as they are continuing to violate my rights as a consumer and furnishing false information to my credit report.
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc. (CA)

I received an alert e-mail from my bank on Sunday XX/XX/2023 stating a lender checked my credit report AND verified my identity. After accessed into my bank 's mobile app, I found info on the lender and called Monday XX/XX/2023. To my surprise and relief a rep answered and after exchanging info, she informed me the credit card that I didn't apply for was flagged and on hold pending further investigation. She also informed me it was applied for on-line and none of my personal devices were used for this action. Please consider this a concern and not a complaint against the lender. My complaint is with the person/people who attempted to use my info to get a credit card!
Consumer complaint received 2023-05-30
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (GA)

Nissan motor acceptance corporation informed me that my vehicle was repossessed on XX/XX/XXXX my vehicle was inside a gated parking lot that only in supposed to let anyone in. But I received a letter from XXXX police dept that my car was stolen and found in XXXX XXXX Florida on XX/XX/XXXX. So either Nissan was lieing ti me or my device is being hacked again and Im getting false information from someone impersonating NMAC. But this has cause me to miss a lot of appointments and important matters. Also on my credit report it says vehicle was registered in XXXX on XX/XX/XXXX
Consumer complaint received 2017-03-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P. (CA)

In 1998 XXXX XXXX turned over an unpaid bill for {$840.00}. To Pinnacle Collection Agency. ( This debt is not mine. I have never had services with XXXX XXXX. ) I have written to them previously and informed them that this is not my debt. I asked them to send me proof that this debt was indeed mine. They sent me copies of phone bills. ( Not a contract signed by me ) They have assigned the same debt to another Collection agency. I need help getting this information removed from my credit profile and stopping these folks to continue to contact me for a debt that is not mine. I thank you in advance for your assistance in this matter. 

Sincerely yours,
Consumer complaint received 2023-05-30
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. (SC)

CC : Consumer Financial Protection Bureau ( CFPB ) CC : South Carolina Attorney General ( Complaint Filed ) CC : XXXX XXXX XXXX XXXX XXXX  ) XXXX : Federal Trade Commission ( FTC ) CC : XXXX, Equifax, XXXX Dear XXXX XXXX I am writing to dispute the charge-off that appears on my credit report for account XXXX. I believe that this charge-off was the result of multiple violations of federal law, including the Uninformed Decision Law ( 15 U.S. Code 1601 ( a ), the Lack of Evidence of Indebtedness Law ( 15 U.S. Code 1602 ( g ) ( 2 ), and the Adequate Notice Law ( 1643 of 15 U.S. Code 1602 ( k ). Therefore, I am requesting that it be removed from my credit report.

Firstly, I was not properly informed of my rights and responsibilities under the Uninformed Decision Law. This law requires that creditors provide consumers with certain information, including the cost of credit and the consequences of non-payment, before they can legally charge off an account. I believe that I did not receive adequate information regarding my rights and responsibilities, and as a result, I made an uninformed decision. Such notice may be given to a cardholder by printing the notice on any credit card or honest on each periodic statement of account issued to the cardholder or by any other means reasonably assuring the receipt thereof by the card holder. 

Secondly, I have not received any documentation from the creditor showing that I owe the debt in question, which is a violation of the Lack of Evidence of Indebtedness Law. I am therefore unable to verify the accuracy of the charge-off. The only evidence of this debt was the agreement but the agreement, but that agreement was null and void because I made an uninformed decision, I did not understand this agreement and it was not clear and conspicuous. 

Lastly, I do not believe that I received adequate notice from the creditor regarding the status of the account, which is a violation of the Adequate Notice Law. I did not receive any communication or notification from the creditor regarding the impending charge-off, and I was not given an opportunity to rectify the situation before the charge-off occurred. 
Given these violations of federal law, I request that you investigate this charge-off and provide me with a detailed explanation of why it was reported. If it was indeed the result of violations of federal law, I ask that you remove it from my credit report. 

Thank you for your attention to this matter. I look forward to resolving this issue as soon as possible. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP (NY)

I received a promotion that stated : Pay at least one insurance bill with your Fidelity Rewards Visa Signature Card by XX/XX/XXXX to earn a one-time offer of XXXX Reward Points I paid a XXXX bill on XX/XX/XXXX in the amount of {$210.00}. 

The terms state within 2-3 billing cycles but the promotional points have not posted.
Consumer complaint received 2023-05-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (GA)

This company has added a debt to my credit report that does not belong to me. They are sending a bill for large amount owed for a company I still do business with and am in good standing with. They have not responded to my disputes or any of my identity theft documents I've sent.
Consumer complaint received 2023-05-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. ()

On XXXXXXXX I have conducted the payment in the amount of XXXX USD from my account with XXXXXXXX to account of XXXX XXXX opened with XXXX XXXXXXXX XXXX  XXXX JP Morgan Chase Bank was an intermediary bank in this chain. On XXXX XXXXXXXX XXXX  XXXX was designated under the Executive Order 14024. Considering this, my payment must be blocked by intermediary bank according to US sanctions regulation. In order to unblock the payment, I need to apply for a specific license to OFAC. However, JP Morgan Chase Bank has not still blocked the payment or has not informed originating bank about freezing measures. Thus, I can not apply to OFAC for a license that is necessary to unblock my funds because to do so, I must fill in some data and specifically the date when the payment was blocked. Otherwise, OFAC may not locate the records of the blocked payment. On XXXXXXXX we tried to contact JP Morgan Chase Bank via XXXX from XXXX XXXX asking them to clarify if the payment was blocked and reported to OFAC and when. Still, JP Morgan Chase Bank has not responded. Thus, I can not apply to OFAC for a license that is necessary to unblock my funds.
Consumer complaint received 2023-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank (IN)

I paid first progress on XX/XX/23. They sent me a confirmation code saying they received my payment. I noticed my score went down almost XXXX points. I called them and they 1st said my bank declined it. There are no declines on my account and on that day I had more than enough money to cover it. Then they told me that they weren't authorized to take it. I asked how did I receive a message saying that my payment was received and a confirmation number if it wasn't paid. They told me that they couldn't see that and I would have to send a letter to a XXXX XXXX XXXX Then I was told they have the confirmation but they can't wave the extra late fee and that I can only send a letter to the company and they might do it. I have screenshots showing that I made the payment to them and that they are showing that I'm current.
Consumer complaint received 2021-03-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P. (FL)

I have had a reoccurring problem with a debt that my son incurred in XXXX when he was XXXX years old and living on his own. Paramount Recovery Systems has put this on all three of my credit reports and I have disputed it and had it removed on more than two occasions. They can not tell me any other information than the debt was for a company called XXXX XXXX XXXX XXXX and can not give me any other information. I know that it belongs to my son because he was hospitalized in XXXX and received XXXX XXXX. I have disputed this time and time again but they keep bringing it back. This time it has caused severe circumstances to my financial well being. I need this to stop because it is not me and I will not pay a debt that I did not incur.
Consumer complaint received 2023-05-30
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Confusing or missing disclosures — 
Company: TD BANK US HOLDING COMPANY (MA)

Transferee from TD checking account to TD credit card XXXX $ payment. Bank took money from checking account immediately, but says my credit card payment is pending for 24 hours! I lose interest from checking account. I still pay interest on credit card and bank keeps my XXXX $ somewhere for 24 hours
Consumer complaint received 2023-05-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: TransferWise Ltd ()

Its fraud company name is wise transfer i will made account in this application and i will pay XXXX usd of debit card payment and XXXX $ in my account but this company deactivate my account without my permission and I still haven't got my funds back yet they gave me 30 days time and I have not received my fund till now nor have I received any email from him.
Consumer complaint received 2023-05-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IL)

On XXXX my phone was taken and it appears it was able to be accessed and someone sent themselves around XXXX $ on XXXX. I disputed via XXXX app but could not get any success via their support. I tried to call chase bank and report this and get it reported as fraud but all the rep did was order me a new debit card from the returning correspondence I received from chase. I do not have a copy of my police report yet but have included a screenshot w the tracking number awaiting it to be filed. 


Also it appears there may be some flaws via the XXXX app that are not being addressed as a quick look into this it happened for others, but the XXXX app auto disables biometric settings on updates which leads to this.
Consumer complaint received 2023-05-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FIRST CITIZENS BANCSHARES, INC. (MA)

Without notice, First Citizens closed my checking and savings accounts and I have not received a check for the combined balances ( about {$700.00} ). I opened the accounts in approximately XXXX to obtain a lower interest rate on a home mortgage loan then offered by the Bank. I enrolled in the paperless option, meaning that I received statements and other communications by email. I regularly reviewed my account statements online, most recently the XX/XX/XXXX quarterly statement which I received notice of by email from the bank on XXXX ( attached ). 

Last week, I went to the bank 's website to update my security settings. I was able to log in but my accounts were missing from view. I contacted the bank both by phone and secure message. The phone representative advised that my accounts were closed recently and a proceeds check sent to a Florida address I maintained from XXXX. But the written response I received on XX/XX/XXXX ( attached ) conflicts with that information and instead advised that the funds were escheated to the State of Florida.
Consumer complaint received 2017-02-10
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: NAVY FEDERAL CREDIT UNION (VA)

On XXXX/XXXX/XXXX, I purchased a room rental from XXXX for a college trip with my parents, when I returned from the trip I noticed that the hotel had charged me for the room additionally, I spoke with the lady manager at the hotel and she stated that she would correct the mistake, which did not happen, I disputed the charge with my credit union, they gave me a provisional credit, fast forward to XXXX, XXXX XXXX, my credit union took the Provisional credit back from my account, I supplied the credit union with the documentation of my receipt from XXXX, and they still took the money from my account. I attempted several calls to the rep that is investigating the claim in addition to her supervisor and no one will return my calls. The charge is {$150.00} I also have XXXX additional fraud charges on my debit card, and the credit union will not even investigate these charges at all. {$21.00} from XXXX and {$30.00} from XXXX XXXX, whom I do not have service with.
Consumer complaint received 2017-03-09
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo opened XXXX+ checking & savings accounts in both my name and my companies name without my permission. They never sent me statements or provided online access to the accounts so I never knew I had them. They also were charging me $ XXXX-XXXX+ per account for not meeting the account balance thresholds. This money was removed from my other accounts without me knowing. At one point a teller told me about it and I tried to close my accounts and XXXX account even had more than {$9000.00} dollars of my money in it. Wells Fargo will not help me resolve this. I 've spent over 50 hours on the phone and in their offices trying to resolve this and they just keep giving me the run around. They have fired everyone associated with it then when I call they just transfer me back and forth and take my statement over and over then never call me back. I have a print out that shows XXXX accounts from that teller that helped me otherwise there would be no proof. Wells Fargo has stolen a lot of money from me. Please help.