davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I opened an account with citizens bank and had transferred money to fund the new account ( {$500.00} ). They closed my account the following day saying I didnt qualify etc ; the {$500.00} transactions had posted on my original online bank account statement. I called citizens to see where my money and what they did with it. The following day they told me that had no information on that even after I provided them with transaction IDs and an email stating they accepted the funds ( they had emailed me the day I opened and funded the new account ). They said that it was cancelled but they couldnt see anything else since the account was closed. I notified my bank and they told me to contact them.
Consumer complaint received 2022-12-31
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2021-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FC HoldCo LLC (CA)

There are three hard inquiries I dont recognize on my credit report through XXXX. 
XX/XX/2019 XXXX XXXX XX/XX/2019 Flagship Acce XX/XX/2019 XXXX XXXX XXXX XXXX  has not been helpful and refuse to remove the inquiry even though I reported that it was fraud because it wasnt me. I contacted the creditors and they have given me the runaround and referred me back to XXXX. I just want these fraud inquiries off my credit report.
Consumer complaint received 2022-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-10
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Didn't provide services promised — 
Company: Mr. Cooper Group Inc. (FL)

XXXX XXXX did not sign the mortgage note. They have produced fraudulent transactions under XXXX XXXX. XXXX XXXX is not the owner of the property and they are committing mortgage fraud documents and violation of charges against illegal activity in this case. We have asked multiple times to produce the note signed under the name XXXX XXXX. Remove all mortgage fraud documents and to dismiss the foreclosure proceedings due to fraud. Its a felony crime for XXXX XXXX XXXX XXXX XXXX XXXX, successor trustee to XXXX XXXX XXXX, XXXX, as trustee for the XXXX XXXX trust XXXX. Does not own the note. Theres fraud upon the court.
Consumer complaint received 2024-04-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (TX)

Dispute Initiated : XX/XX/24 Amount XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX A subscription charge that had not been charged for 6 months because I called to cancel. 

XXXX XXXXXXXX XXXX XXXX They did not cancel my services. I disputed with Discover Credit Card services and they said the charge is valid despite no evidence that I wish to continue services.
Consumer complaint received 2021-03-20
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. (NY)

Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2021-03-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Williams & Fudge, Inc (NC)

This company WILLIAMS and FUDGE has reported me to the credit bureaus falsely without first contacting me which is against the Fair Credit Reporting Act. 

The Bureau of Consumer Financial Protection ( Bureau ) recognizes the serious impact the COVID-19 pandemic is having on the financial well-being of many consumers and on the operations of many supervised entities, including actors in the consumer reporting system, and the challenges of this unique and rapidly evolving situation. XX/XX/XXXX the President signed the Coronavirus Aid, Relief, and Economic Security Act ( " CARES Act '' ), which provides critical emergency assistance to consumers and businesses affected by COVID-19 and includes provisions addressing consumer reporting requirements. 

This should have also prevented this company from sending and false information to the credit bureau without first contacting me giving me a chance to dispute this information before providing this information to the credit bureau.
Consumer complaint received 2020-03-15
Product: Vehicle loan or lease — Loan
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: Santander Consumer USA Holdings Inc. (MO)

- On XX/XX/XXXX I paid off my loan with Chrysler Capital. I received a letter from them stating it was paid off and that I was due a GAP refund of XXXX -On XX/XX/XXXX a fax from XXXX in XXXX XXXX XXXX  was sent to Chrysler XXXX at XXXX ( attached ). Jeep in XXXX XXXX  XXXX is where I originally bought my XXXX  and Gap insurance. The fax stated how much my refund was, and where to send refund. This was received by Chrysler Capital on XX/XX/XXXX at XXXX XXXX -On XX/XX/XXXX my cancellation request was accepted by Chrysler Capital . They stated how much my refund was due to me. 

-On XX/XX/XXXX Chrysler  XXXX sent my refund check to XXXX of XXXX XXXX XXXX. NOT made payable to me. It was made pay to the order of XXXX of  XXXXXXXX XXXX  XXXX. XXXX returned the check back to Chrysler Capital and on XX/XX/XXXX Jeep stated they could not give it to me because it was not in my name. It was made pay to the order of them. I was told by XXXX in XXXXXXXX XXXX XXXXXXXX that Chrysler would have to send it to me and to my address since it was my refund. They did not understand why they sent it to them. XXXX sent the payment back to Chrysler Capital. 

-Between the dates of XX/XX/XXXX through XX/XX/XXXX I have called Chrysler Capitall at XXXX. I have spoken to them no less than 20 times trying to get Chrysler Capital to send me my GAP refund to my address and in my name. The most recent time was on XX/XX/XXXX. I was escalated to the 'Executive Department. '' I have spoken to a Mrs. XXXX. She told me that my refund was again " sent in error to XXXX in XXXXXXXX XXXX    XXXX and not to me. 

- I called XXXX in XXXXXXXX XXXX XXXX on XX/XX/XXXX and again they told me that Chrysler XXXX has my refund. They sent it back because they can not legally give it to me because it was not in my name. 

-I paid off my loan in XX/XX/XXXX. We are now approaching XX/XX/XXXX. 

-I paid off my entire loan with Chrysler Capital faster ( about 7 months ) than it has taken for them to refund my GAP insurance properly. 

- I would like to say again that I have called Chrysler Capital no less than 20 times in the course of 7 months trying to get them to correctly send me my GAP refund.
Consumer complaint received 2022-12-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Credit Systems,Inc. (NC)

my wife and i signed a lease with XXXX XXXX in XXXX XXXX it was for 1 year. in XXXX of 2020 our goverment put everyone on lockdown, isolation. not by our choice did we stop working. in XXXX we were served eviction papers in the middle of covid XXXX unable to work or go anywhere we were being forced out of our home. when we went to court we met the attorney for XXXX XXXX who told us that they didnt want any monies owed. if we would agree to vacate the premises then this would not be on our credit because it was no fault of our own, we agreed in front of the judge, unfortunately this did go on our credit and for 2 years we have been trying to have it removed. we have contacted XXXX XXXX and national credit XXXX  to please remove this. this wasnt what was agreed upon. everytime we contact them they raise the price of what is supposedly owed, its horrible enough to be put out in the middle of covid but they continue to torture us by ruining our credit. laws were passed to protect us from companies like this. im attaching the court document where it clearly states posesion only. we are also including copies of the laws that were passed, hopefully it helps others as well
Consumer complaint received 2021-03-20
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. (FL)

My University of XXXX XXXX loan was discharged on XX/XX/XXXX for XXXX XXXX XXXX XXXX. They use XXXX XXXX XXXX  as there servicer. However i was charged for 2 late payments between XXXX and XX/XX/XXXX. This should have never happened because the student loan was discharged on XX/XX/XXXX. See attached documentation and date of discharge.
Consumer complaint received 2020-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NJ)

Back in XXXX of XXXX, I reached out to XXXX XXXX because I realized that the amount owed to them was reflecting as over {$13000.00} when I only owed {$1100.00} on a collection account that had been out since XXXX. I spoke to an agent at XXXX XXXX who quickly corrected the information. Within a few weeks, the information was provided to all 3 credit bureaus. XXXX and XXXX  updated my information and it helped increase my credit score substantially. Unfortunately, Equifax reported this change as a new charge-off account, which was not the case and it dropped my score dramatically from XXXX down 75 points to XXXX. As soon as I noticed the drop in my score I reached out Equifax shortly after XX/XX/XXXX. I spoke with an agent who stated that there was nothing that they could do as the system just takes the information provided by the creditor and factors it into its algorithm. They suggested I reach out to XXXX and have them make changes to the account and that may help. I called XXXX and paid the amount owed XXXX {$1100.00} XXXX in hopes that this would help ; it did not. They just reported the payment and Equifax just updated the remarks to " Paid Charge-Off '' ; my score stayed the same. I called both XXXX and Equifax a few more times and got the same answers from both. Eventually, I gave up since it seemed none of them were budging. I figured that I'll let time correct the issue. Recently on XX/XX/XXXX, I tried submitting an online request to remove the account since I'm only a year away from it being removed from my account. Unfortunately, that led to my score dropping another 18 points after having gone up to XXXX. I called XXXX once again today XX/XX/XXXX spoke to an agent who stated that they can not remove trade lines from my report and all they can do is provide an updated report showing the dates of the payments. I don't think this will help and would like the XXXX XXXX account removed altogether and my score returned to over XXXX for Equifax.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Amsher Collection Services, Inc. (FL)

XX/XX/2024 To Whom this may concern, I am writing this letter to dispute the following account ( s ) falsely listed on my credit report with your bureau. My personal information was recently breached. I have highlighted the items in dispute on the attached copy of my report.
Consumer complaint received 2020-03-27
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: SYNCHRONY FINANCIAL (MA)

On XX/XX/XXXX I received a letter from Synchrony bank in XXXX FL saying my request to open a Paypal  account was not approved. I had not requested this and after many attempts to connect with the bank, I was told to contact XXXX. I did and they referred me back to the bank to have this removed from my credit report.. The bank said they could do nothing and XXXX  was the only one who could remove it from my report. 
As of todayXX/XX/XXXX I am in the same place. I've made a police report and hope that you can help me get this removed. 
Thank you
Consumer complaint received 2020-03-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (CA)

Simply stated, I filed an application for loss mitigation with Flagstar Bank in XX/XX/XXXX, the application was denied and I had to refile in XX/XX/XXXX. The application I refiled was approved and I went on a trial plan XX/XX/XXXX through XX/XX/XXXX. Meeting all those payments, my loan was accepted as permanent and I signed and returned the documents. I made the permanent payment amount which was a slightly higher amount then the trial period. Flagstar claims I didn't signed the permanent agreement correctly and closed the deal without proper notification and while I was doing everything possible to communicate and work with them. I have attached many supporting documents including a timeline of events, and similarities to the administrative action filed against them in XX/XX/XXXX. I have been in contact with Flagstar daily and done everything asked of me. Flagstar withheld critical information that closed my application.
Consumer complaint received 2022-03-24
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. (TX)

After pulling my credit report an open record of bankruptcy XXXX  XXXX was on my report. I reach out to my local courthouse and XXXX to find out who reported this information to the credit bureaus however they both responded they do not give out that information and XXXX removed the bankruptcy from my file on there end. The three credit bureaus were all giving a copy of this information and was asked for them to verify they information if they couldnt i needed it to be remove and neither company took this into action. Bankruptcy is still being reported.
Consumer complaint received 2021-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX my vehicle XXXX XXXX XXXX was repossessed, at about XXXX, I immediately called XXXX XXXX to determine what monies I would need to pay to redeem my ve.hicle, the representative advised me to pay XXXX, which I did, the total amount came out to be XXXX including the service charge of the XXXX XXXX company, I was not fully advised of the details of what will happen once I redeemed my vehicle, in which I paid all fees and received my vehicle out of repo in less than 24hrs. I was in constant contact with the lender regarding my financial situation due to covid, my husband and I were unemployed during XXXX, and the business we had open was just getting off the ground as a restaurant caught in the pandemic issues. In XXXX my the vehicle was totaled, this week we were trying to get another vehicle is when I discovered that XXXX XXXX had added to the credit report in a matter of days a repo on my credit report which prevented me from helping my daughter to purchase a vehicle, I called on the same day to speak with a manager in the finance department and was told that's what they do once a vehicle has been repossessed and then redeemed, I advised that this is an unfair practice, this is the first they have added this type of derogatory information to my credit report, and it was nothing they will be doing about removing this from my credit report. 
I do not believe this is fair to add this to my credit report, being that I redeemed my vehicle in less than 24 hours, so from XX/XX/XXXX the date of repo, date redeemed XXXX, repo information added by XX/XX/XXXX, I need help to have this removed, we have as a family dealth with a lot including losing my mother in XX/XX/XXXX XXXX
Consumer complaint received 2021-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC (FL)

My University of XXXX XXXX loan was discharged on XX/XX/XXXX for XXXX XXXX XXXX XXXX. They use University accounting services as there servicer. However i was charged for 2 late payments between XXXX and XX/XX/XXXX. This should have never happened because the student loan was discharged on XX/XX/XXXX. See attached documentation and date of discharge.
Consumer complaint received 2021-03-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CURO Intermediate Holdings (TX)

I consumer XXXX, XXXX, XXXX entered into a consumer credit transaction with XXXX XXXX XXXX XXXX on XX/XX/2019 I consumer XXXX, XXXX, XXXX starting receiving several notifications after the Consumer credit transaction with XXXX XXXX XXXX XXXX from AD ASTRA RECOVERY SE stating I owe a alleged debt in the form of mail as well as furnishings other deceptive forms to make me believe I owe a debt when in fact, I know I dont. Ive never heard of or do I have a binding contract between myself and AD ASTRA RECOVERY SE. AD ASTRA RECOVERY SE Is in Fact in VIOLATION OF 15 usc 1692j ( a, b ) ; Furnishing certain deceptive forms.
Consumer complaint received 2020-03-27
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I am Disputing CREDIT REVERSALS OF TEMPORARY CREDITS  XX/XX/XXXX NEVER APPLIED OR MADE PERMANET TO REVERSE THE CREDIT. ( YOU CAN NOT TAKE BACK WHAT USAA NEVER PROVIDED!!! ). See attatched XX/XX/XXXX FRAUD CLAIM DATE XX/XX/XXXX {$470.00} Completed. USAA Policy is that Temporary Credits ** MUST BE MADE PERMANET** TO APPLY TO BALANCE. See attatched XX/XX/XXXX Credit Reversals XX/XX/XXXX. {$110.00} TEMP CREDIT. XX/XX/XXXX * {$110.00} REVERSED BEFORE APPLIED PERMANET SAME DAY ACTUALLY. XX/XX/XXXX * {$21.00} Reversed XX/XX/XXXX {$21.00} NEVER MADE PERMANET XX/XX/XXXX * {$200.00} TEMPORARY XX/XX/XXXX {$200.00} CREDIT NEVER APPLIED NEVER MADE PERMANET XX/XX/XXXX * {$280.00} TEMPORARY USAA CREDIT REVERSED XX/XX/XXXX NEVER APPLIED MADE PERMANET See  statement XX/XX/XXXX XXXX NO USAA CREDITS PROVIDED for XX/XX/XXXX FRAUD of * {$470.00}
Consumer complaint received 2020-03-27
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: EQUIFAX, INC. (AZ)

I sent in a dispute to have an account verified by Equifax almost 60 days ago, then another asking them to comply with verifying this account or removing it and I have received no communication back. 

I also recently received a letter from the court that this account came from that they do NOT send any information to any 3rd parties. So there is no way for this account to be verified and unless they prove otherwise and they haven't which tells me it should be removed. 

I will attach the letters I sent as well the letter I received from the courts.
Consumer complaint received 2020-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (TX)

I was trying to help my daughter finance something for her school, but found out I had a bankruptcy of my credit report. I did not recognize - and CRA said some company called LexisNexis told them it was accurate. I sent this strange company a letter and disputed it - it has been over 30 days and according to what I read on FTC website they have 30 days to respond or the information has to be removed. They never responded to my request.
Consumer complaint received 2024-04-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Date Opened : XX/XX/2016 Date Closed : XX/XX/2016 I did not give permission to report this to anyone because I have a right to privacy, according to 15 USC Code 1681 Section 4.