davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (OR)

Numerous ( 10 ) fraudulent charges were made to our card to merchant " XXXX '' in XXXX XXXX. We immediately contacted CitCard to report these as fraud. After an unreasonable amount of follow-up phone calls, persistence and unnecessary XXXX due to their lack of response, they finally credited our account for the fraudulent transactions. Now, several months later, they have reversed one of the credits stating that the merchant has disputed it. This is DESPITE my statement with documentation to the contrary submitted at their request on XX/XX/XXXX ( and confirmed received ). ( Their request for additional information was received by us on XX/XX/XXXX with a due date of XX/XX/XXXX. ) I spoke to yet another Citi XXXX today, XXXX, who said he is sending this transaction dated XX/XX/XXXX back for review AGAIN, can give NO timeline about how long that will take and stated if I don't pay it in the meantime that I will be charged finance charges and late fees. I can not bear the thought of having to follow up again like I did the first time ( probably a dozen phone calls and months of attempting to get someone to fix this ).
Consumer complaint received 2020-04-09
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2021-03-15
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

For over ten years XXXX XXXX and XXXX XXXX of XXXX XXXX , XXXX have illegally tried to foreclose on my home. 

How it works. Select Portfolio Services , Inc ( SPS, Inc a mortgage servicers ) claims to work on behalf of XXXX XXXX. ( the alleged owner of my loan ) SPS, Inc then hires XXXX and XXXX as the foreclosing attorneys on behalf of XXXX XXXX. XXXX and XXXX then claim to work on behalf of XXXX. XXXX. in order to act as if they are running legal public notices and perfecting the steps to perform a non-judicial foreclosure. 

The only problem is that XXXX XXXX. DOES NOT OWN MY LOAN. XXXX XXXX. has written letters and have verified verbally over the phone on several occasions that XXXX XXXX. does not have an interest in the loan or home. I have even contacted XXXX XXXX. certificate holder for the alleged loan ( XXXX XXXX  ) and they also have verified that they do not house or furnish any certificates on behalf XXXX XXXX. for my home or loan. I have documents and emails to prove my stance. 

The main problems are XXXX and XXXX perform illegal foreclosure every month. XXXX and XXXX have been asked to Validate the Debt as a XXXX party debt collector. When they can not legally validate the debt or the relationship between myself and XXXX XXXX. they still attempt to foreclose. XXXX and XXXX also go as far as submitting themselves into state, federal and bankruptcies proceedings claiming to represent XXXX XXXX, in which XXXX XXXX. has no knowledge of. 

They are regularly performing fraud before the courts, act as imposters before the courts and are clouding titles knowing they do not have a right to foreclose upon. The State of Georgia should not allow these individuals to practice law or have a business entity registered in the state of Georgia. I am reaching out to you because I have filed complaints with the Georgia Bar and the FTC but no one seems to care that legally barred professionals are performing illegal foreclosure knowingly. The Supreme Court of Georgia made it clear that only a Secured Creditor can foreclose in that state of Georgia. You vs. XXXX XXXX It seems to be clear that XXXX and XXXX do not respect their oaths, state law, federal law or state supreme court rulings. They STEAL PEOPLES HOMES and just get away with it.
Consumer complaint received 2020-04-09
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2021-03-15
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: AMERICAN HONDA FINANCE CORP (TX)

i financed a XXXX honda XXXX on XX/XX/XXXX payments was XXXX a month. i was on XXXX  and had gotten very sick loss my job and couldnt work told honda about problem they worked with me at first paying XXXX every month then they said they need the back due in XXXX. i was in hospital XX/XX/XXXX to XX/XX/XXXX wasnt able to answer phone no one could help me with sitation when car was repoed
Consumer complaint received 2021-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

Due to the recent Pandemic our world has faced, I had to be placed on a financial hardship program with XXXX Bank Credit Card. My payments are due on the XXXX of each month, however I am unable to use their mobile app to process these payments due to being on the financial hardship program. When I contact the XXXX provided no one answers and there is no way to get in contact with an automated payment system. Due to this issue I have been experiencing late fees and also this is hitting my credit score. I'm on hold with customer service for hours just to make a payment and not able to get ahold of anyone. This is unjust and is hurting me when I'm doing everything to make the payment. Please help! Thank you.
Consumer complaint received 2021-03-15
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: Diverse Funding Associates LLC (CA)

In XX/XX/2021, I pulled my XXXX credit reports and noticed fraud on each report. The debt was fraudulently and erroneously reported on my credit reports. I did not open the accounts and did not authorize anyone to do so on my behalf. This information belongs to someone else, who I have no knowledge. I'm not an existing customer of these organizations. The organizations were contacted via telephone and can not provide any contracts or signed documents with my signatures which can link me to the debt. On XX/XX/2021, I notified each credit bureau of the fraudulent accounts which are unauthorized. The credit reporting agencies have advised me to file this complaint with the Consumer Financial Protection Bureau. 

Please see the fraudulent accounts and amounts below : Account Name Amount XXXX XXXX {$490.00} XXXX XXXX {$690.00} XXXX XXXX XXXXXXXX XXXX {$820.00} XXXX XXXX XXXX {$100.00} XXXX  - XXXX XXXX {$690.00} XXXX XXXX {$0.00} Thank you for your time and support.
Consumer complaint received 2021-10-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I NEED TO FILE A COMPLIANT REGARDING INQUIRES AND AN ACCOUNT REPORTING ON MY CREDIT REPORT. I NEVER AUTHORIZED ANY OF THESE.
Consumer complaint received 2021-10-14
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I natural person, consumer, and creditor PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )
Consumer complaint received 2021-03-15
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: Nationwide Recovery Systems, Ltd (TX)

On XX/XX/XXXX, I checked my credit report on XX/XX/XXXX and saw an unfamiliar report on my account. The original creditor is XXXX XXXX XXXX XXXX for the amount of {$1200.00} opened on XX/XX/2021. Ive never heard of this place nor visited. I called the company and couldnt get any information. I have done more research on my own and noticed this is happening to many others. This company is terrible and reporting fraudulent activities hoping we would pay without investigating. I want this report removed from my account before it damages my credit more than it already is.
Consumer complaint received 2022-04-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc (CT)

President- since paypal is a bank and falls under your jurisdiction I complaining that paypal refuses to give me my account routing numbers or account numbers or a paypal cash/debit card. now I cant set up direct deposit for XXXX for over a year if not two. do this now. signed president of the usa XXXX XXXX XX/XX/2022 XXXX est.
Consumer complaint received 2021-10-14
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: WELLS FARGO & COMPANY (TX)

This is a formal complaint against Wells Fargo Card Service located in XXXX XXXX, IA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Wells Fargo Card Service has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2021-10-14
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. (IL)

On XXXX XXXX I disputed the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with XXXX , Equifax, & XXXX and they have yet to respond in the time allowed by the FCRA. XXXX, XXXX, & Equifax are violating my rights as a consumer and Im requesting legal action to remove these accounts immediately.
Consumer complaint received 2021-01-15
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synovus Bank (PA)

I entered into a consumer credit transaction with First Progress. Pursuant to 15 USC 6802 First Progress never disclosed to me that I had the option to opt out of this transaction being reported. First Progress also reported this transaction to consumer reporting agency which is a violation of 15 USC 1681. The transaction arose from a credit card which is supposed to be excluded from a consumer report. First Progress was also in violation of 1692j because is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
Consumer complaint received 2021-03-15
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: CCS Financial Services, Inc. (CA)

Around XX/XX/2021, I pulled my XXXX credit reports and noticed fraud on each report. The debt was fraudulently and erroneously reported on my credit reports. I did not open the accounts and did not authorize anyone to do so on my behalf. This information belongs to someone else, who I have no knowledge. I'm not an existing customer of these organizations. The organizations were contacted via telephone and can not provide any contracts or signed documents with my signatures which can link me to the debt. On XX/XX/2021, I notified each credit bureau of the fraudulent accounts which are unauthorized. The credit reporting agencies have advised me to file this complaint with the Consumer Financial Protection Bureau. 

Please see the fraudulent accounts and amounts below : XXXX XXXX XXXX {$100.00} Indigo - XXXX Bank {$690.00} XXXX XXXX {$0.00} Thank you for your time and support.
Consumer complaint received 2021-10-14
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: EQUIFAX, INC. (OH)

There have been several FCRA violations FCRA 611 ( 15 U.S.C. 1681I ) You have yet to provide with information I have requested : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Consumer complaint received 2021-10-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (MD)

I applied for XXXX XXXX XX/XX/2019 and never used it but was charged. I have dental insurance and my insurance paid for most of it. I paid my part, and I have proof. I have mailed a letter to the Resurgent asking for verification of the amount and I didn't get it. Also, I sent a letter to each of the credit reporting agencies to verify the debt amount. And I didn't get anything that proved that I owe them. I have the original bill from XXXX it shows the amount I paid. And I recently got a letter from XXXX XXXX XXXX XXXX , XXXX for the same bill.
Consumer complaint received 2020-06-11
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: Colony Brands, Inc. (MA)

I was shocked when I reviewed my credit report and found late payment on my payment history coming from your company. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2021-10-15
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. (AL)

On XX/XX/2021, the agent provided the incorrect amount of XXXX, resulting in me being reported as 30 days late because the amount was XXXX. 

The agent is maintaining that I was informed that they informed me that the amount XXXX, but that was not what I heard the agent tell me. 

I am clearly disputing that I was furnished the incorrect past due amount that resulted in me being reported 30 days late because I did not pay the current past due amount.
Consumer complaint received 2021-10-14
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: HYUNDAI CAPITAL AMERICA (IL)

My promissory note is what paid for this consumer transaction, I don't see how I owe you when promissory notes turn into negotiable instruments. Please provide the documents I asked for in my debt validation, cease and desist, and Debt Declaration. Also, please respond to my Affidavit with an Affidavit. Account number : XXXX
Consumer complaint received 2021-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

First, I must preface this by saying the Bank of America credit card website is by far the worst, most difficult to navigate, misleading, and convoluted of all the banking and credit card websites I have used. 

I do not use my Bank of America credit card anymore, and I keep it open just by having one monthly subscription billed to it and then set up automatic payments to pay the balance in full every month. 

Because I have had my identity stolen a few times and people have used my credit cards illegally and it took me months to get it back from the credit card companies, I set up, what I thought, was a do not pay over {$50.00}. 

I don't pay attention to this card because I don't use it and thought everything was set up automatically. 

Then, I discover months later that I was charged a {$25.00} dollar late fee and was just about to be charged another. I'm like what the XXXX, I set up automatic payments. I haven't had a late fee in like 12 years. Perturbed, I called Bank of America, wondering what was going on. I discovered that my yearly XXXX XXXX membership was billed to this card. They said that what I set up was a do not pay IF over {$50.00}. Why on earth does this even exist except to catch people off guard. If I had not called they would have continued not paying my card, even though I set up automatic payments, and charging me {$25.00} late fees every month and interest on that. 

Nobody called or anything to say that the payment wasn't going through. They said they sent an email so I searched my inbox and saw that they've sent me over 600 emails in the past year ; sometimes up to 8 per day. 

I explained my intentions with setting that up but they said they couldn't reimburse me because it would violate the fair lending act. 

Even if i knew what they meant and said don't pay if over {$50.00}, why on earth would they not take the minimum {$25.00} dollar payment when I gave them the OK to take up to {$50.00}. I know this was contrived in some boardroom as a way to squeeze money out of people and the person who thought of it probably got a raise. I always pay all my payments on time and feel violated that they would do this to me when I told them what I thought I was signed up for. This is all because of the word IF. They were not sympathetic at all and did not do anything to remedy the situation, or even compromise. It isn't about the money, but the principle. They could easily have an option for paying the entire balance, but not if it is over a certain amount, but still taking the minimum payment or up to that amount. None of my other credit cards even have that ridiculous do not pay if over option and their websites are clearly worded and easy to navigate. 

This has been my worst customer service experience, not just with banks, but with any company in my lifetime.
Consumer complaint received 2021-03-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (VA)

On XX/XX/XXXX, we applied for re-finance our home. Got 2.75 rate with {$1500.00} point. 
Now they want us to pay {$11000.00} instead of {$1500.00}. They are not complying their GFE ( Good Faith Estimate ). They claim we did not lock the rate. when I showed several email to our loan officer XXXX to lock our rate he replied we are good we do not need to lock the rate. As soon as, we provided them the proof, their XXXX XXXX said XXXX policy " does not allow customer to lock rate. 
We are ready to close but they want us to pay extra {$11000.00} which is not according to original GFE.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. 
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.