davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: SANTANDER HOLDINGS USA, INC. (SC)

On XX/XX/XXXX I received a call from Santander I had a conversation with the representative and she said if I paid on that day {$400.00} that they wouldnt repossess the car for the entire month of XXXX and I explain to them that Im selling my home in XXXX and I would be able to pay off the car in XXXX. On XX/XX/XXXX they repossessed the car when I called try to get them to work with me if they refuse to work with me anymore after the car was repossessed and they even acknowledged that they saw the note saying that they wouldnt repossessed the car in XXXX but they did it anyways I had a verbal agreement they admitted that they had a verbal agreement and broke the verbal agreement anyways I would like our car back I would like back pay for the rental cars weve had to get it also has cost us to not be able to close on our house as soon as you want to because we couldnt get to the bank to sign paperwork.
Consumer complaint received 2020-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THIS INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2020-08-14
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America has failed to close my Home Equity Line of Credit per my request in a timely manner. I have called several times and have been on the phone for 0ver 8 hours. On Tuesday, after being on the phone for 5 hours waiting to speak to someone, I was able to speak to XXXX and he assured me that my HELOC would be closed in no later than 48 hours. Yesterday, after being on the phone for over 2 hours, I was able to speak to  XXXX in XXXX and she informed me that my HELOC was in process to be closed yesterday by XXXX XXXX  and it would be reflected no later than midnight. I asked to wait on the line ( 30 additional minutes ) until XXXX XXXX  to make sure that the HELOC was closed but the phone got disconnected and I did not receive a call back. Today at midnight and this morning I checked my online banking and the HELOC is still showing active and has not been closed. I ask that Bank of America please close this account immediately.
Consumer complaint received 2022-12-18
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: Experian Information Solutions Inc. (KY)

XXXX XXXX XXXX account number XXXX date open XX/XX/XXXX balance {$6400.00} I'm not aware of this account I've tried to take it off and it has not been removed Account : XXXX account XXXX XXXX date open XX/XX/XXXX balance XXXX not aware of this account and I've tried to have it removed and disputed but it has not been taken off Account : XXXX XXXX  account number XXXX XXXX date open XX/XX/XXXX balance XXXX Had it account removed but it's still on my credit Account : XXXX XXXX XXXX account number XXXX date open XX/XX/XXXX balance {$1500.00} not aware of this account and I've had it removed and it's still on my credit
Consumer complaint received 2020-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST CITIZENS BANCSHARES, INC. (VA)

I opened my checking account on XX/XX/2020. They had a promotion for a {$300.00} sign up bonus upon meeting the following requirements : Establish a direct deposit of at least {$1000.00} per month or make 10 debit card transactions within 90 days of account opening Enroll in eStatements Open a new savings account. 

I met and exceeded these requirements. I followed up with the bank and they denied the bonus. Based on the terms of the promotion, they said the bonus should be paid out around 120 days after opening the account, so on or around XX/XX/2020. They have not been helpful at all.
Consumer complaint received 2020-08-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (OH)

Notice for Proof of Claim for the following Account : XXXX XXXX XXXX XXXX To Whom it may Concern : This complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless  it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.

Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you  have 30 days to supply these proofs if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Consumer complaint received 2020-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. XXXX XXXX {$450.00} XXXX XXXX {$740.00} XXXX XXXX {$630.00} XXXX XXXX {$1500.00} XXXX XXXX {$1000.00} XXXX XXXX $ XXXX XXXX {$460.00} XXXX XXXX {$230.00} XXXX  XXXX {$2100.00} XXXX XXXX {$470.00} XXXX  XXXX {$100.00} XXXX  XXXX {$950.00} XXXX XXXX {$230.00} XXXX   XXXX {$550.00} XXXX XXXX {$0.00} XXXX XXXX {$260.00} XXXX XXXX {$190.00} XXXX  XXXX {$740.00} XXXX XXXX {$2600.00} XXXX XXXX XXXX XXXX   XXXXXXXX XXXX {$0.00} XXXX XXXXXXXX {$530.00} XXXX   XXXX {$0.00} XXXX XXXX {$580.00} XXXX   XXXX {$1600.00} XXXX XXXX {$1300.00} CHAPTERXXXXBANKRUPTCYDISCHARGED XXXX XXXX XXXX {$2300.00} XXXX XXXX {$1300.00} XXXX XXXX {$530.00} XXXX   XXXX {$740.00} XXXX XXXX XXXXXXXX {$850.00}
Consumer complaint received 2020-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. XXXX XXXX {$450.00} XXXX XXXX {$740.00} XXXX XXXX {$630.00} XXXX XXXX {$1500.00} XXXX XXXX {$1000.00} XXXX XXXX $ XXXX XXXX {$460.00} XXXX XXXX {$230.00} XXXX  XXXX {$2100.00} XXXX XXXX {$470.00} XXXX  XXXX {$100.00} XXXX XXXX {$950.00} XXXX XXXXXXXX {$230.00} XXXX   XXXX {$550.00} XXXX XXXXXXXX {$0.00} XXXX XXXX {$260.00} XXXX XXXXXXXX {$190.00} XXXX XXXXXXXX {$740.00} XXXX XXXX {$2600.00} XXXX XXXX XXXX XXXX   XXXXXXXX XXXX  {$0.00} XXXX XXXXXXXX {$530.00} XXXX   XXXX {$0.00} XXXX XXXX {$580.00} XXXX   XXXX {$1600.00} XXXX XXXX {$1300.00} CHAPTERXXXXBANKRUPTCYDISCHARGED XXXX XXXX XXXX {$2300.00} XXXX XXXX {$1300.00} XXXX XXXX {$530.00} XXXX   XXXX {$740.00} XXXX XXXX XXXX {$850.00}
Consumer complaint received 2020-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I am super frustrated with XXXXXXXX XXXX XXXX XXXXXXXX XXXX ID XXXX Acct number # XXXX, XXXX XXXX am young single female and purchased my first home through XXXX XXXX who then transferred to XXXX. I purchased with a Conventional loan and XXXX offered thru a State of Texas program. This XXXX   was supposed to be a silent second. However, XXXX reports it on my credit report : ID HOUSING AGENCY Last reported XX/XX/2020 {$6700.00} Reported balance Highest balance {$6700.00} You've paid off 0 % of this loan It looks like a " Personal Loan '' and worse I never make payments. It isn't even due until 30 years is up or if I pay it off when I sell. 
The credit bureaus all have said this is bring my scores down below 700! My brother purchased down the street from me on the identical program and his credit report does NOT reflect this silent second. I am powerless to fight these giant companies that control our lives, I appreciate your help.
Consumer complaint received 2020-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Idaho Housing And Finance Association (TX)

I am super frustrated with HomeLoanServ, XXXX XXXX  XXXX XXXX ID XXXX Acct number # XXXX, XXXX I am young single female and purchased my first home through XXXX XXXX who then transferred to HomeLoanServ. I purchased with a Conventional loan and DPA offered thru a State of Texas program. This DPA was supposed to be a silent second. However, HomeLoanServ reports it on my credit report : ID XXXX XXXX Last reported XX/XX/2020 {$6700.00} Reported balance Highest balance {$6700.00} You've paid off 0 % of this loan It looks like a " Personal Loan '' and worse I never make payments. It isn't even due until 30 years is up or if I pay it off when I sell. 
The credit bureaus all have said this is bring my scores down below XXXX! My brother purchased down the street from me on the identical program and his credit report does NOT reflect this silent second. I am powerless to fight these giant companies that control our lives, I appreciate your help.
Consumer complaint received 2020-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am super frustrated with XXXX, XXXX XXXX XXXX XXXX ID XXXX Acct number # XXXX, XXXX I am young single female and purchased my first home through XXXX XXXX who then transferred to XXXX. I purchased with a Conventional loan and XXXX offered thru a State of Texas program. This XXXX   was supposed to be a silent second. However, XXXX reports it on my credit report : ID HOUSING AGENCY Last reported XX/XX/2020 {$6700.00} Reported balance Highest balance {$6700.00} You've paid off 0 % of this loan It looks like a " Personal Loan '' and worse I never make payments. It isn't even due until 30 years is up or if I pay it off when I sell. 
The credit bureaus all have said this is bring my scores down below 700! My brother purchased down the street from me on the identical program and his credit report does NOT reflect this silent second. I am powerless to fight these giant companies that control our lives, I appreciate your help.
Consumer complaint received 2020-08-14
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: Experian Information Solutions Inc. (VA)

Experian and XXXX constantly failed to removed an alleged charged off account that is inaccurate and misleading I disputed this same account with XXXX and got it removed aren't they under the same standards as the FCRA to have it removed? The account has various inconsistencies across multiple bureaus different dates of last payment and activity the company the alleged charge off is assigned under wont even issue me a 1099-C for cancellation of debt yet they claim it was charged off - Please remove this account from my credit report ASAP I am trying to get a mortgage loan and this erroneous reporting is making it impossible.
Consumer complaint received 2020-08-14
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: MOHELA (LA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-08-14
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: ENCORE CAPITAL GROUP INC. (GA)

I have a loan with XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX, and MIDLANDMCM. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX, and MIDLANDMCM with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2024-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (NC)

I dispute a charge on my bank account ( PNC ) hoping to get my money refunded because my whole XXXX order ( XXXX ) teaching number ( XXXX ) usps says delivered but I waited till the post man came to drop off my package when the mailman came to my mailbox he didnt drop off my order when I came outside to check there wasnt any packages so I went up to him when he stopped at my neighborhood house and ask him he told me there wasnt any box that supposedly delivered! Im upset and frustrated that my order still has not yet to come he also told me to go check my local post office but they said the package is with the mail man! And he informed that he doesnt have
Consumer complaint received 2020-08-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of America Ltd. (GA)

collection company name is : collection bureau of america, XXXX XXXX   XXXX XXXX, XXXX. CA XXXX tel : XXXX My account with them was paid off and they sent me a letter said it's {$0.00} balance since XX/XX/2020. but it still showed on my credit report. it's over 30 days, but it still how son my credit report. they are not willing to report to XXXX and XXXX to remove this record from my credit report.
Consumer complaint received 2020-08-14
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. (VA)

I recently sent letters over 60 days ago to this bureau or theses bureaus and they are disregarding a regular consumer disputes. I'm stressed out and have been sending letters to have theses issues resolved before this and still no response. This is stopping me from pursuing my future for me and my kids
Consumer complaint received 2020-08-14
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

My spouse had passed away on XX/XX/2020, we had a joint bank account with Bank of America however she was the primary account holder. The savings account has {$10000.00} which was supposed to be mailed to me in form of a check. I had filed all the necessary paperwork on XX/XX/2020 and submitted a copy of my spouse death certificate. I was assured by the bank manager XXXX XXXX that the whole process will take about a month. As per today, XX/XX/2020 I had not received any checks or updates from the bank. This branch of Bank of America is located at XXXX XXXX XXXX, XXXX XXXX, NY XXXX.
Consumer complaint received 2020-08-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (CA)

This company has added their information to my credit report and I in fact had NO DEALINGS or NO CONTRACT signed with this company. Please remove from my credit report now or I will be forced to take legal matters! Please remove from my credit report NOW!!!
Consumer complaint received 2022-10-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Klima, Peters & Daly, P.A. (MD)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. and law firm Klima , Peters & Daly , P.A . will not properly verify and validate the alleged debt and they refuse to identify and respond to discrepancies found within statements they sent to me. Moreover, they have been submitting false robo-signed affidavits to the courts. 

The consumer has reason to believe that the affiants and notary public as well as the debt collectors, Klima, Daly & Peters, P.A. and XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. are fraudulent and has presented inaccurate documents and false affidavits. Upon my research, I have found that the affiants, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX are all notaries public in the state of Virginia along with other notaries public that may work for the same company. They create what appears to be false and robo-signed affidavits using the same template that claims they are both Litigation Support Specialists and notaries public by switching roles and witnessing each others signatures which is illegal as they do not have firsthand knowledge of record keeping of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. records as they claim they are employees of an agent or affiliate, XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) that does not appear to be a part of XXXXXXXX XXXX XXXX XXXX XXXX XXXX. Moreover, I have asked the plaintiff to provide the original signed contract/agreement and to investigate the discrepancy found within the statements sent by the Plaintiff that shows three different accounts under the defendants name and they have failed to do so, as the original contract will reflect the original account. 
The affiant and the notary public claims in other affidavits that they/he/she : Is allegedly a Litigation Support Specialist who claims to be employed by an agent or affiliate XXXX XXXX XXXX XXXXXXXX not a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. employee The affiant and his/her partners are all notaries public in the state of Virginia The notary public XXXX XXXX XXXX acts as the affiant in other cases as an employee of XXXX and as a Litigation Support Specialist when on her XXXX profile, she claims to be an employee of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. as a Sr. Legal Coordinator. On the fake affidavit that was presented in this case, she is the notary public under the alias XXXX XXXX XXXX. How can she be both the affiant and notary public, then work for two different companies? 
Attached to this complaint are affidavits used in different courts by the same affiants and notaries public who claim to be working for an affiliate or agent of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
I have notified other agencies of this discovery as well. 

Please see attached documents.
Consumer complaint received 2023-03-17
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. (IN)

I live in Indiana. My identity was stolen, and someone opened an account in my name in a state I have never been to or lived in for utilities with XXXX XXXX XXXX XXXX XXXX, in the amount of {$600.00}. This account was turned over to a collection agency in Kansas by the name of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX KS XXXX XXXX. I disputed this on my TransUnion Credit Report after discovering it when I applied for credit for a car loan. Trans Union did an investigation and verified it as accurate! 
I called XXXX XXXX XXXX after the dispute was verified as accurate by TransUnion as they are the ones who put it on my report. They could provide no information claiming that they are going by what XXXX XXXX is reporting to them. I called XXXX who said to prove it wasn't mine, I had to verify my identity XXXX. I searched the web and was unable to locate this website. I am getting the run around and it has already cost me money. I had to purchase a car and my interest rate was 18 % due to this false collection on my account. It is common sense that someone who lives in Indiana does not have utility account in Kansas. They could have no proof of this debt as it is not mine! I need Help.