davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CarMax, Inc. (TX)

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 2023-01-19
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report 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 blocking 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 ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 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 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.
Consumer complaint received 2022-03-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (TX)

Jefferson Capital System at XXXX XXXX XXXX XXXX XXXX, Mn XXXX has been sending me collection notices in the amount {$2700.00}. The collection has been reported as a pasted due balance. i do not know this company.I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2022-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Ive contacted all 3 credit bureaus regarding a 30 day late payment posted on my credit report for my car loan with XXXX for the month of XX/XX/2021. This account was never 30 days late. XXXX investigated and couldnt verify that the info was correct. They removed it. XXXX and Transunion both keep stating the info is accurate, but neither will provide the proof of this accuracy or the person they contacted or documents showing it is in fact accurate. I have requested this 3 times. They have not removed it.
Consumer complaint received 2020-03-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (KS)

Synchrony Bank has sent me two letters in the past two months ( XX/XX/20 and XX/XX/20 ) concerning an alleged PayPal account ending in XXXX that I do not have. I have never had accounts of any kind with PayPal or Synchrony Bank, and have never had any other communication of any kind from either company before concerning a credit account. 

The first letter stated " Synchrony Bank has reviewed your request to increase the credit line on your account. A credit line of {$10000.00} has been established, unless you declined the partial increase. We regret we were unable to approve the higher credit line you requested. '' The letter then lists Synchrony Bank 's XXXX if you have any questions. I blew that letter off as a clumsily worded attempt to get me to open an account. 

The XX/XX/20 letter, however, states that " after a review of the account, Synchrony Bank has decided to close your account. The reason ( s ) for our decision are listed below. The number of dishonored payments on this account. Please note that although charging privileges are suspended, you are still required to make payments on your existing account balance under the terms of your account until paid in full. '' The letter then directs questions to the same XXXX. This letter made me angry. 

I called the 844 number and finally got through to a live customer service rep., who could not find any account, or even an account application, tied to the name XXXX XXXX XXXX ( they mispelled my last name which is XXXX ) at XXXX XXXX XXXX XXXX, XXXX XXXX, KS, XXXX. She checked under both name spellings. 

She kept getting back to asking for my social security number to try and find an account, which I refused to give her, and eventually tried to transfer me to PayPal 's customer service, which I knew was just an attempt to get rid of me. I pointed out to her that the fine print at the bottom of each letter states : " Account is owned by SYNCHRONY BANK ''. She couldn't answer why SYNCHRONY 'S data base couldn't find an account under the name yet could also have no trouble generating such letters to me. 

This is either a case of identity theft with a bogus Social Security number, or a new twist on the XXXX XXXX scam of opening accounts in customers names without their knowledge. But in this case, they could be trying to use fear of identity theft to trick customers into giving them a Social Security number to finish opening an account in their name and then offering some kind of free credits on SYNCHRONY for the inconvenience this has caused the caller. 

It should be illegal for any credit line to be opened in anyone 's name without a confirming letter sent to the address of the consumer to validate they are in fact the one 's who opened the account. And if this is just a scaremongering marketing ploy to deceive consumers into opening accounts, that should be illegal too.
Consumer complaint received 2021-03-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

As a result of the Covid-19 pandemic I was laid off of work on XX/XX/XXXX ... I immediately called my mortgage company ( Select Portfolio Servicing ) and alerted them to my situation ... .I called as instructed on the 10th of every month to update my status, which remained unchanged, with SPServicing as instructed ... Additionally, in my communications with them I wanted to be made aware of any potential long term solution ... .With the magnitude, complexity and unpredictability of the virus little was done for months with policy guidelines that loan services were dictated by ... .It wasn't until XXXX that I received a request to make 3 monthly pandemic related payments of {$170.00} which would enroll me into the pseudo pandemic assistance program ... .I immediately called and asked to speak with someone that could explain the guidelines and parameters that SPServicing was going to use to determine any forbearance or deferment ... .I continued to check in on a monthly basis while still not having had a single return call as to an explanation in detail of the " pandemic assistance program '' that was being offered ... .A second request was sent for {$170.00} per month to be entered into the " pandemic assistance program '' ... .I immediately called ... .Got the same vague explanation about requirements and guidelines ... Reluctantly made the 1st payment and then received a determination from SPServicing requesting 3 years worth of payments to be made at {$2300.00} per month for 36 months to make up for the deficiency and arrears on the mortgage ... .Collecting a {$120.00} per week on unemployment I am sure you can sense my alarm at their repayment plan ....!!! ... My normal payment is {$1500.00} ... .I immediately called them and explained the feasibility of being able to pay this amount as impossible and immediately appealled the payment restructuring ... XXXXI formally appealled on XX/XX/XXXX via email ... .I also called on XX/XX/XXXX to verbally verify receipt of my appeal email ... I received verbal confirmation as well as electronic confirmation that the appeal email was received ... ..As I continue to call on a weekly basis SPServicing will only state that they loss mitigation department isn't connected with the servicing department and that loss mitigate will contact me in 30 days ... .I find this situation has not been handled as it should have been ... None of my own financial criteria has been used to formulate any assistance aside from not reporting as delinquent or filling for foreclosure ... .My latest call today to SPServicing produced no changes in status with loss mitigation and my appeal ... .Very disingenuous that in my very first call in XXXX of XXXX, which was recorded, that forbearance and deferment were all that was discussed ... ..
Consumer complaint received 2022-03-22
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. (NY)

I set up an account with Experian in XX/XX/XXXX. In XX/XX/XXXX, I received an email from the company saying that my email had been changed. I had not requested this so I tried to log back into my online account. When I could not do this, I emailed Experian to explain that someone had fraudulently accessed my online account. They locked my account and told me to either mail or FAX identity proof to them. I faxed them the proof but never received confirmation of receipt of the FAX nor of my account being rectified. I have tried to call them numerous times, but ended up going through their automated menus and being hung up on. Today I was able to get someone on the phone who said they could change my email address. However, when I tried to sign back in, I was rerouted to an offer, and then when I tried to complete that " purchase '' the website threw an error. This happened several times. It gave me a number to call. When I called it, it was the same automated menus. I could continue to email and send mail, but there is no confirmation that it works.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Owed : {$30000.00} XXXX XXXX XXXX XXXX Balance Owed : {$4100.00} XXXX XXXXXXXX XXXX Balance Owed : {$680.00} XXXX XXXX XXXX Balance Owed : {$600.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Owed XXXX {$30000.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$4100.00} XXXX XXXX XXXX XXXX Balance Owed : {$4500.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXXXXXX XXXX XXXX Balance Owed : {$930.00} XXXX  XXXX Balance Owed : {$600.00} XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$680.00} XXXX XXXX XXXX XXXX Balance Owed : {$930.00} XXXX XXXX XXXX Balance Owed : {$100.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-03-17
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: Santander Consumer USA Holdings Inc. (NY)

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 XXXX 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 2022-03-22
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. (MD)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2023-02-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: BMO Bank, N.A. (ID)

Bank of the West made an error with my RV loan account for XX/XX/XXXX statement that was due XX/XX/XXXX. They claim that I missed that payment. I tried calling them dozen times at least only to get transfered from one customer rep to another then hung up on. So I tried to email them just to get a request to call. That don't work. So I mailed them a letter to their XXXX office as described on the back of my statement. Explaining their error along with a copy of my bank statement and a copy of the processed check that was posted to my checking account on XX/XX/XXXX. This was the XXXX of XX/XX/XXXX and by the first of XXXX I still have had no response or credit correction made to my account. So I mailed again the XXXX of XXXX all documents to the XXXX office and this time also their XXXX XXXX office where I make the payments. Still the XXXX of XXXX and no response or correction to my account. I am convinced by phone, email, and standard mail that if they just ignor me I will just go away and forget the whole thing! 
.
Consumer complaint received 2022-03-22
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO. (CT)

Received a tax bill from Chase Auto in XXXX of XXXX for XXXX XXXX XXXX. 
Property taxes of {$380.00} was paid on XX/XX/XXXX to Chase Auto. ( This is the attachment labeled : XXXX  ). 

Car was purchased from XXXX on XX/XX/XXXX after lease was up. 
In XXXX of XXXX received tax bill from XXXX of XXXX for {$350.00}. 
When questioning the town of this and showing them the {$380.00} was paid in XXXX they indicated Chase Auto should have only paid {$64.00} for the XXXX time frame and that a refund was to go back to Chase Auto and then come to me after it was paid to Chase Auto . Document labeled : XXXX shows this. This was mailed to Chase Auto and in speaking with them they indicated they received this in early XXXX and mailed the request form for repayment to my town Tax Collector. 

I am in weekly communication with the tax collector and to date they have indicated they have not received the signed form. 

I called weekly and sometimes multiple times to Chase Auto and I when I asked to speak with a manager they put on on who assured me it would be handled. 

I faxed the document : XXXX on XXXX. This is shown in the document labeled : XXXX 

I have not heard word back from her since then even though repeated attempts to inform her that the mail was never sent. 

I did speak with another manager on or around XX/XX/XXXX and spoke with a manager named XXXX and he advised that sending to an email address was the best method and that it was best to left in XXXX 's hands so the case didn't have to start over. 

I did verify the email address with him by having him read it back to me and we also confirmed that the mailing address for my tax collector was correct. 

I called back on XX/XX/XXXX to ask again and they told me my case was closed and when I asked to speak to another manager they told 48 to 72 hours on the call back. 

This is very frustrating as I keep being told different answers, from 2 to 4 weeks, to 12 weeks to 18 weeks. This is money owned to me that I put out. I don't understand how this practice is allowed and how they can take advantage of people that need that money. This has been hard times for a lot of us and it was money we put out to cover our bills but can use it back for paying federal and state income tax. 

I also want to know what penalties can be imposed on Chase Auto to correct their bad business practices. If there is another agency that I can contact after I am refunding what is owed me I would greatly appreciate knowing this. 

Thank You! 
XXXX XXXX
Consumer complaint received 2020-03-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (IN)

1 ) I asked PNC Bank to make automatic deductions of {$82.00} from my checking account monthly and pay XXXX XXXX XXXX. 
2 ) Deductions were made sporadically. 
3 ) XXXX XXXX XXXX contacted me around XXXX stating that I no longer had to pay a XXXX Late penalty of {$6.00}. 
4 ) Around XXXX payments were decreased to {$79.00}. 
5 ) PNC did not make deductions in XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX which resulted in me being disenrolled from the insurance. 
6 ) In XXXX, XXXX- {$79.00} payments were made.
Consumer complaint received 2021-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

In XXXX I made a purchase from XXXX. When I placed the order I realized I used my checking account which ends in XXXX, so I immediately changed it to my capital one credit card which ends in XXXX. Capital one paid funds from my checking account and my credit card to XXXX. I reached out to XXXX and they assured me they only received the money from the account ending in XXXX. So I Disputed this charge with capital one. So long story short after 3 disputes they keep saying they did not find a error. I contacted capital one and they told me the reason why they keep denying it is because I am not emailing them XXXX proof or information. I emailed them 3 times plus I went to a branch in XXXX XXXX on XXXX XXXX. The teller emailed and fax them over the paperwork and they still said they did not receive it from her. Unfortunately I do not have the fax receipt anymore because I thought the situation was handled. When I asked them was there anyone I can talk to in that department they said the department who handles the disputes do no take phone calls. I asked them about their legal department and they stated several times they do not have one. They never referred me to you all.