davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-31
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. (CA)

I have been a victim of identity theft for about 5 years now, my information was leaked during the XXXX breach. I have disputed the items that are fraudulent on my credit report 3 times with all 3 bureaus and they all do the same thing. They open a dispute and close it within a DAY! Sometimes its closed within the hour! They DO NOT INVESTIGATE! Investigations take time and require a human being look over the evidence, which has never happened in my case. I have sent in the identity theft reports, police reports, and recently their were 2 individuals arrested with my stolen information and items. I sent them this evidence as well and it has gone unrecognized. Its beyond frustrating! The items that need deleted from my report that have DESTROYED MY GOOD CREDIT, are XXXX, XXXXXXXX XXXX XXXX  and XXXX. I will upload all the evidence on this complaint.
Consumer complaint received 2021-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANCO POPULAR DE PUERTO RICO (TX)

My XXXX XXXX Credit card ( issued by Popular Credit Services ) charged an annual fee of {$140.00} on XX/XX/2021. Due to the COVID travel restriction, I have not had the chance to travel in the past year and never once get to use the card so I decided to cancel the card. I cancelled the card within 30 days ( cancelled on XX/XX/2021 ) after the Annual Fee was posted to my account, but was informed that I still need to pay for the fee even after the card was cancelled! Tried to work it out with the reprehensive over the phone but they refuse to listen to me.
Consumer complaint received 2020-01-17
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (IL)

Called numerous times from different phone numbers each time, but same caller ID name. 
Been told to stop calling, but calls back the next day from different number. 
Also called a couple of times before XXXX XXXX. Phone records available if needed.
Consumer complaint received 2023-06-07
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)

Its has been since XXXX of XXXX  to current, I have sent individual FCRA Section 604 letters out to dispute and request written evidence of specific hard inquiries and FRAUDULENT/INACCURATE Accounts on all the Credit report to EQUIFAX. I notice several companies that I do Not recognize nor authorized consenting to.The letter detailed the specific Unauthorized FRAUDULENT Accounts, INACCURATE Accounts, and Inquirys in question and was sent certified mail/return receipt, copies are attached and so are the credit bureau XXXX XXXX. Below are the detailed Unauthorized FRAUDULENT/INACCURATE Account and Unauthorized FRAUDULENT Inquiries I asked to have investigated in early XX/XX/ to Current days date. Unauthorized FRAUDULENT/INACCURATE Accounts XXXX. XXXXXXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please verify Within 5 business days in compliance with FCRA XXXX XXXX AND EQUIFAX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.
Consumer complaint received 2022-02-25
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MD)

On or around XX/XX/2022, Synchrony Bank started block consumer from accessing their Sam Club credit card accounts. I have been unable to pull statements, verify transaction and process payments. My bill was due XX/XX/2022, I should be able to pay said bill via computer which currently being denied and charged/access late payment fees while website is down or under construction. This is an deceptive business practice to generate late fee income plain and simple.
Consumer complaint received 2022-02-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. BANCORP (CA)

This toll fee number is pretending to be calling from US Bank to collect a presumed unpaid debt on my business credit card. The scrupulous rep is asking for bank information to collect payment. US Bank was informed but this thugs kept calling me. Below is the phone number they are calling from. 

XXXX ( XXXX ) XXXX
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

This credit bureau stated that they investigated this issue and mailed me the results. I received these results but it failed to state how they did a fair investigation on the thing I am disputing. How did the credit bureaus verify my bankruptcy as 100 % Accurate? Did they get the information from the courts? Because the court stated that they do not report to any credit reporting agency. So, how was this investigation done fairly and accurately. 

They never did a fair investigation according to the 15 USC 1681. 

The credit bureaus violated my given rights under 15 USC 1681. 

According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I have attempted, repeatedly, to get a fair and accurate credit report with this bureau by disputing and have gotten no resolution from them.
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Windham Equity Company (GA)

Lease & Rental MGMT Corp aka Auto Use has been reporting a repossession on my credit where the dates of recent payments are wrong, the balance owed is wrong and the date of last payment is not correct. This is wrong information is making this account look newer than it should be. The date of repossession was XX/XX/2016 and the last payment was before that. The car was repossessed and sold and the sale amount was not applied to the balance owed and reported. 

The company also did not send me any documentation that showed what the car was sold for and how that was subtracted from the balanced owed. I have repeatedly in the past tried to request this information and they have not responded.
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

My credit report is reporting several wrong personal identifiers in my file, which may jeopardize my identity if its not changed immediately! I want this resolved as soon as possible so please remove all inaccuracies from your records before any bad consequences happen because these things are really harming my life. My only name is XXXX XXXX XXXX, I do not have another name or alias. I insist that you remove all names from your system that do not match XXXX XXXX XXXX. Also, my current address is XXXX XXXX XXXX XXXXXXXX, MA XXXX! I am requesting that the information in my file be updated to reflect only my current correct address. Any address that you have on file for me that deviates from XXXXXXXX XXXXXXXX XXXX XXXX MA XXXX is not accurate and should be removed immediately. I also ask that you remove any employers and phone numbers associated with my credit report. I do not AUTHORIZE you to retain or report any information, which consists of unverified claims about myself being potentially outdated or inaccurate.
Consumer complaint received 2022-09-30
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. (NV)

I'm a victim of Identity theft my information was found on the dark web, Equifax data breach, and other places. Someone has purchased cars, tried to buy houses and apply for credit under my name. This is defaming my character, violating my privacy, and destroying my life. I demand this item be removed and blocked from any future reporting. There are also fraudulent inquiries on my credit report i never applied for. I demand immediate removal I'm trying to purchase a home for my child, and this is in my way as i reported this is not mine doesn't belong to me. 15 U.SC 1681 is right to privacy act which there are a lot of violations.
Consumer complaint received 2023-01-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: GreenSky, LLC (MN)

They are not applying my payments timely, then sending texts and emails stating missed payments. They will likely attempt to report negative to my credit report. I notified them of payment had been made timely, and they simply repeated that they do not have my payment, despite having proof of payment, with confirmation number.
Consumer complaint received 2020-01-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (CA)

I never open any of accounts at Chase bank. The information with my social security is not match my identity. Ive tried talk to manager about the situation, theyve asked me to come with my proof. They couldnt help anything. I need my social security to be protected that match my identity. Ive never share with anyone unless the employee involvement. I really need your help to clear the false information off my social security number.
Consumer complaint received 2023-01-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: REGIONS FINANCIAL CORPORATION (FL)

So I recently rejoined Regions Bank on XX/XX/XXXX. I opened a checking account in the savings account. The issue that I'm encountering with Regents is with their online platform. It will not allow me to use XXXX XXXX XXXX It will not allow me to use XXXX XXXX and it will not allow me to use check deposit services. I'm receiving an error message when I do it online with their online website. I received an error message saying we're unable to complete your request at this time. highlighted in red. And then, when I do it on my mobile app for regions, it gives me the same error message but with the error code XXXX. I have tried calling the regions online. Electronic banking team, no one seems to be able to help me. One agent stated to me that my online credentials may need to be purged. But the call got disconnected, and I'm trying to call back again to get an agent that understands what I'm talking about. No one seems to understand what I'm talking about. But they work in the electronic mobile banking department, which is absurd. I don't understand how you work in that department, and don't know anything about online. So at this point, I'm really frustrated, and I would really like for someone who knows how to deal with the online servers for regions to assist me in regaining access to the bill-pay services. The XXXX XXXX also the mobile check deposit service.
Consumer complaint received 2020-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Porsche Financial Services, Inc. (CA)

BENTLEY FINANCIAL SERVIC Account number XXXX is wrongfully reporting late payments on my credit report for this lease agreement. I paid off the lease from XX/XX/XXXX-XX/XX/XXXX as agreed with NO lates EVER. In addition I have paid off the lease extension for XX/XX/XXXX-XX/XX/XXXX. After XX/XX/XXXX THERE WAS NO NEW LEASE OR LEASE EXTENSION AGREEMENT, THUS NO CONTRACTUAL OBLIGATION FROM ME TO PAY THEM. Bentley had scheduled to pick up the car but was late by several weeks on completing their task .... This is NOT my error, I DID not agree to keep the car I did NOT agree to extend the lease I did NOT have obligations to pay. 

I have complained before with no avail from Bentley financial. No I'm filing my complaint with you again, and preparing my complaint with DA 's office and for FTC. I will go as far as I need to stop this abuse of consumer trust and this has ruined my credit and cause great financial hard to my credit report. I have summed up my financial damages for their error and will seek justice!!!!
Consumer complaint received 2022-09-30
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. (NV)

I'm a victim of Identity theft my information was found on the dark web, XXXX data breach, and other places. Someone has purchased cars, tried to buy houses and apply for credit under my name. This is defaming my character, violating my privacy, and destroying my life. I demand this item be removed and blocked from any future reporting. There are also fraudulent inquiries on my credit report i never applied for. I demand immediate removal I'm trying to purchase a home for my child, and this is in my way as i reported this is not mine doesn't belong to me. 15 U.SC 1681 is right to privacy act which there are a lot of violations.
Consumer complaint received 2020-08-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

I had a mortgage loan with Mr Cooper since XX/XX/XXXX. I always paid house insurance and property tax by myself. I received notice that my mortgage needs hazard insurance to cover the loan in XX/XX/XXXX. Then I contacted my insurance company to verify if my current insurance can cover for that. The answer is yes. Then my insurance company contacted Mr. Cooper for a couple of times to explain that. But mortgage company still charged me extra fee ( {$220.00} more than usual ) on XXXX statement to force me to buy the insurance {$53.00} and a fee called shortage payment {$120.00} that never showed on my account before. After we communicated, they took out the charge on XXXX and XXXX payment. However, it charged me again on XXXX XXXX payment for {$35.00}. I set up auto-pay with my account, then I can see after they charged. I request to change and correct on my XXXX payment, but no action from them. Also, every time I called they transferred my call to different departments and held on for a long time. No credit went back to me so far. I really disappointed their system and compliance to customers.
Consumer complaint received 2020-01-17
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. (FL)

THE DISPUTED ACCOUNTS NEED TO BE PURGED OFF MY CREDIT FILE, THOSE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THE ACCOUNTS ARE INACCURATELY PLACED AND I WOULD LOVE THEM TO BE REMOVED OFF MY CREDIT FILE
Consumer complaint received 2020-01-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Subject : Fraudulent Mortgage Origination-Non existent Lender not registered in PA or  any other state and not registered as a Lender in New York. 



Dear Sir, I have recently come across information that I have been paying on a mortgage and note funded by a nonexistent entity since XX/XX/XXXX. 

America 's Wholesale Lender, was never registered or licensed in Pennsylvania or any other state for that matter. It is recorded on my note as being a corporation registered with the state of New York., it is not nor has it ever been. The lender is not a real entity and has no employees. My note was " sold ' to Bank of America in XXXX, with the note endorsed in blank signed by a representative of Countywide, dba America 's Wholesale Lender. Nowhere on the original note appears Countrywide Home Loans or any other Countrywide reference. 

I am XXXX XXXX XXXX, since XX/XX/XXXX. 

Recently and occurring now my Servicing Company, XXXX XXXX XXXX has sent me Act 91 documents threatening foreclosure. They say I have missed 3 consecutive months of payments, not true. My mortgage payments have always been 100 % current and on time. This 30 day late mark has dropped my credit rating 87 points, XXXX refuses to remove the mark and restore my former credit score of XXXX. I have bank records showing the payments directly wired from my bank account to XXXX XXXX XXXX XXXX bank account using the Bill Pay feature, that I was advised to use by XXXX XXXX XXXX personnel. XXXX XXXX XXXX has my bank statements, yet still send me foreclose letters. The only way in the past I can get any thing correct with XXXX, is to go through XXXX Ombudsman Department. For the current situation I have had no success with resolution over the incorrect missed or late payments. I would also like XXXX XXXX XXXX to prove to me the original mortgage documents are not fraudulent and the debt is valid, the stated lender is a nonentity, not licensed and not registered. I'm afraid to do so, worried XXXX will retaliate by initiating a court case against me. I have no money for representation in court and fear I would lose my home. My home was purchased by my Grandparents on XX/XX/XXXX, it has always been home. I suffer from XXXX XXXX XXXX, XXXX and XXXX XXXX being under constant professional care since XX/XX/XXXX. The current situation is causing great XXXX XXXX and worsening my XXXX XXXX. I am exhausted from explaining to XXXX representatives the situation everytime I call them. When they do pull up my account information, there are no records of my calls, just records of the letters they have sent me. I can't continue to maintain semi healthy living with this threat and worry on my shoulders. Anything you can do for me personally will be greatly appreciated, I need permanent relief from this situation with XXXX that is causing me physical, mental and financial injury. Please send me some kind of status report on what is being done on my behalf. 

Respectfully, Concerned
Consumer complaint received 2022-02-25
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Utah , XXXX, United States XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , NY XXXX XX/XX/2022 NOTICE TO CEASE AND DESIST I am hereby notifying you XXXX XXXX XXXX that I refuse to pay this alleged debt in full accordance with 15 usc 1692c ( c ). I demand that you cease and desist all collections attempts and reportings on this alleged debt. 

I never signed a contract with XXXX XXXX XXXX and you have usedmy personal information without my consent. You have violated my consumer rights pursuant to 15 usc 1681b.

You have caused my phone to ring at inconvenience times, while Im even at work in with connection of this alleged debt without my permission. This type of harassment is strictly prohibited by law pursuant to 15 usc 1692d ( 5 ). 

I am invoking my specified remedy as a consumer and account administrator with the demands listed below : 1. Stop negatively reporting and remove this alleged debt from all reporting agencies.

2. Stop infringing on my intellectual property rights immediately.

3. Provide an original contract with wet endorsement as well as a full audit trail of alleged debt.

Failure to comply with consumer demands will result in litigation.

I do not consent to E-Oscar or any other means of automated verification.
Consumer complaint received 2023-01-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (FL)

T D BANK had several forms of advertisement, ie internet, direct mailing, in bank personnel/ employee, and also listed on other websites such as see XXXX XXXX ( copy uploaded ) The promotion under which I opened my account with TD BANK stated the following : The bank employee took a copy of the " Social Security Check '' with both names listed to confirmed with manager on duty that we qualified for XXXX of the " PROMOTION '' being offered which was ( XXXX ) days of " DIRECT DEPOSIT '' of {$500.00} or more after the XXXX  days we would qualify to receive {$250.00} deposited into the account being opened. The only EXCEPTION was, we had to keep {$100.00} in the account each month by our statement due date of the XXXX of each month, if not we will be charged a below {$100.00} fee OF {$15.00}. 

THE ACCOUNT WAS OPENED IN THEIR XXXX XXXX XXXX XXXX AND XXXX XXXX BRANCH ON XX/XX/XXXX CALLED A : TD CONVENIENCE CHECKING. OUR XXXX  DAYS OF DIRECT DEPOSIT WOULD EXPIRE ON XX/XX/XXXX ( XXXX ) DAYS ON XX/XX/XXXX The account was ( $ XXXX Cents ) of the required {$100.00} required end of month the account had {$99.00} I could not get to the bank and XXXX was not set up ( to do so would take XXXX days to verify the account by TD BANK REQUIREMENTS. I GOT TO THE BANK THE NEXT DAY TO DEPOSIT THE {$0.00} Cents but was charged {$15.00} SPOKE TO XXXX XXXX IN DEPARTMENT OF SUBMISSION CONTACT CENTER FOR TDBANK WHO SAID TO AVOID THE {$15.00} FEES SHE CAN SWITCH US OVER TO THE TD SIMPLE CHECKING FOR {$5.00} PER MONTH WITH NO {$100.00} REQUIREMENT, AND I WILL BE OK BECAUSE I HAD ALREADY HONORED THE XXXX  DAYS REQUIREMENT, AND I WILL STILL BE A TD BANK CUSTOMER WITH DIRECT DEPOSIT. 

I am filing this official complaint with the CFPB because all my EFFORTS IN HAVING THE MANAGER, THE ASSISTANT MANAGER ALONG WITH THE CUSTOMER SERVICE DEPARTMENT TO HAVE TD BANK HONOR THE PROMOTION HAVE FAILED. 

THE REASON BEING GIVEN BY TD BANK FOR NOT HONORING THE PROMOTION {$250.00} UNDER WHICH THE ACCOUNT WAS OPENED IS, STATING THAT MY NAME WAS NOT ON THE PROMOTION. ( Which by the was it was ) THE PROMOTION DID NOT REQUIRE A NAME IT WAS ON THE INTERNET, IT WAS BEING MAILED TO HOUSE OWNERS, AND MOST OF ALL IT WAS CONFIRMED BY THE MANAGER ON THE DAY I OPENED THE ACCOUNT THAT I QUALIFY FOR THE PROMOTION. 
THIS IS A BAIT AND SWITCH DECEPTIVE PRACTICE AND I PERSONALLY ALSO FEELS IT'S A DISCRIMINATORY ACT. 
I HAVE BEEN TO SEVERAL BANKS WITH THE ISSUE AND NO ONE WANTS TO HONOR THE PROMOTION FOR OVER A YEAR. WHY? 
ALL REQUIREMENTS WERE MET. IS IT THE XXXX OR THE PIGMENT OF THE SKIN.
Consumer complaint received 2020-12-24
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 (CA)

On XXXX, 2019 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.