davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-30
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: VW Credit, Inc (OH)

Volkswagen Credit Account No. XXXX As of XX/XX/XXXX, there were three payments of {$310.00} due on the lease. The purchase option for the vehicle was {$13000.00}. Thus, the total due payoff the lease and to purchase the vehicle ( confirmed by phone by me ) was : 3 lease payments x {$310.00} = {$930.00} Purchase option {$13000.00} {$14000.00} The leased vehicle, a XXXX XXXX XXXX XXXX XXXX was traded to XXXX XXXX XXXX of XXXX, Ohio on XX/XX/XXXX. ( See attached Purchase Order ) XXXX purchased the vehicle for {$14000.00} and was supposed to pay off the lease and acquire title to the vehicle. 

I was unable to stop my bank from automatically paying the XX/XX/XXXX lease payment to VW Credit, thus I am due a refund of the {$310.00} payment. 

Volkswagen Credit has retained the {$310.00} payment and has refused to refund it despite my making a request on XX/XX/XXXX.
Consumer complaint received 2021-08-30
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: TD BANK US HOLDING COMPANY (NY)

I have these accouts that are not mine and i want them to be removed. 

1. Identity Theft XXXX  XXXX Account XXXX : XXXX This is not mine. 

2. Identity Theft XXXX/XXXX  Account XXXX : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft TD XXXX/RAYMOUR & FLA Account Number : XXXX This is not mine.
Consumer complaint received 2021-08-30
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: SYNCHRONY FINANCIAL (NY)

I have these accouts that are not mine and i want them to be removed. 

1. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

2. Identity Theft SYNCB/PCRICH Account XXXX : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX/XXXX XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2020-02-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kimball, Tirey & St. John LLP (CA)

I want to report multiple violations that Kimball Tirey & St. John is committing to the Free Credit Reporting Act and to my rights as a consumer. Just to mention two serious violations, see below : 1. Incorrect opening date 2. Incorrect last activity date I am demanding this company to remove the item from my report. I am having psychological issues because of this situation. Please send the attached documents to Kimball Tirey & St. John. 

Thank you so much.
Consumer complaint received 2020-02-28
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. (GA)

I have reached out to you all about several items on my credit that is not mine. I have also sent in a copy of my police reporting and documents and these accounts are still on there. Im reaching out one more time before I seeking other options XXXX XXXX. XXXX XXXX XXXX. XXXX. I have contacted the FTC and my local police.
Consumer complaint received 2021-08-30
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. (NY)

On XX/XX/2020 I settled a debt with XXXX, I recached an agreement with collector ( XXXX ) stating as follows, once my debit was payed a letter was sent out to the three credit bureau reporting agencies Experian, XXXX  and XXXX  advising them to take off any remarks relating to this debit. I have tired to reach the credit bureau 's to discuss there role in upholding the decision made by XXXX but i have not been able to secure that decision. I have the necessary documents proving that an agreement was made between me and XXXX to have any remarks regrading this debit to be completely removed from all of my three my credit files.
Consumer complaint received 2020-02-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (TX)

The company Sequium Asset Solutions has fraudulently and illegally placed their information against my social security number and it's causing great harm to my report. I tried to explain to this company that this account is not mine and get debt validation as I have not signed a contract with them. This account is fraudulent and was made without my consent. They have sent no verification of debt or a right to dispute the debt before reporting on my credit. This is the only thing on my credit profile that's holding me up and it's not my responsibility. This company is a scam and doesn't care about consumer rights. I am not obligated to pay this account as it's not mine. I will take legal action if this account does not stop reporting against my social security and is removed immediately from my credit report.
Consumer complaint received 2019-08-06
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. (NY)

I have paid down all my credit cards on XX/XX/XXXX and my credit card companies have sent an update to Transunion, XXXX, and XXXX   but they have still not posted the update to their reports - I have called each one and have asked them to update but they make me go through the process of doing a dispute rather than just publishing the new information. I need them to update it as I have to raise my score as much as possible to get a mortgage. I have even had the credit companies send letter to them - attached are copies of the letters
Consumer complaint received 2020-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (LA)

Target is reporting my account as over 30 days past due. They are also reporting it in 3 different months ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) on 3 different credit reports ( XXXX, XXXX, and XXXX ). I have asked them numerous times to remove the delinquency because there was an error on their part for the reporting. I never received any bills, or emails, or phone calls regarding the account. The first phone call I received was after the account was over 30 days delinquent. If you listen to the phone call, which is recorded, you can tell I didn't even think the account was delinquent. I told them that if they would have ever left me a voice mail notifying me the payment was due, I would have immediately paid it and the account never would have been delinquent. I have had the account since XX/XX/2006 and never made any late payments. This should show that something rather out of the ordinary must have occurred. I asked them to review the calls to my number and they would see that no voicemails were left EVER! They are adamantly refusing to do the right thing. I am in dire need of assistance because I am trying to purchase a home and I am over them not investigating and telling me conflicting information. I had one person tell me, in a recorded conversation, they would have the bureau remove the item. Then, when I called them back 45 days later, they told me to stop calling them because they WOULD NEVER remove the item. I am tired of playing games and need this situation rectified immediately. I have been dealing with this issue for nearly a year.
Consumer complaint received 2020-02-28
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. (FL)

I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-02-28
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)

I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for  which I am a victim of identity theft. ( ATTACHED ). They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2019-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

Experian is reporting inaccurate information on my file. I have sent correspondence and have contacted them via telephone on numerous occasions to have same corrected. The company is willfully and negligently non-compliant.
Consumer complaint received 2018-02-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (TN)

My request for mortgage modification is being processed with Shellpoint Mortgage. 
They have requested several times the schedule for my taxes reflecting the rental income and expenses associated with the rental property. I've emailed and faxed this information to them several times beginning XX/XX/XXXX until XX/XX/XXXX. Shellpoint was contracted XX/XX/XXXX to verify they received the information, Shellpoint customer service stated they received the email cover page but the IRS Transcript wasn't uploaded in their system were yet, and the document has not been received. I feel Shellpoint is giving me the runaround and is not processing the modification request. There is a pending property foreclosure sale set for my homeXX/XX/XXXX. I've provided them with all requested information and asked them to postpone the property foreclosure sale.. 


See Attachment
Consumer complaint received 2018-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

FRAUDULENT NAMES : 1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX FRAUDULENT ADDRESSES : 1. XXXX XXXX XXXX XXXX XXXX FL XXXX 2.XXXX XXXX XXXX XXXX XXXX # XXXX XXXX FL XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX 4. XXXX XXXX XXXX XXXX GA XXXX 5. XXXX XXXX XXXX XXXX XXXX GA XXXX 6. XXXX XXXX XXXX XXXX NC XXXX 7. XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX 8. XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2019-08-06
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP (CO)

We have been working with US Bank since XXXX of this year, XXXX. Our actual loan officer has been decent, and explanatory as we are first time home buyers. The woman who is under him that collects documents and is the one more in communication with you has failed to communicate through the entire process. Received all my documents vis US Bank portal ( w2s, tax return transcripts, employment letter ) all as of XXXX XXXX. Our closing date was supposed to be today XX/XX/XXXX at XXXX. Friday the lady in correspondence called and said I didnt provide my previous addresses for tax transcripts so she was able to pull them. Putting blame on me, I then screenshotted the email that had my previous address in it AND her response ( XX/XX/XXXX ). Needless to say, I had to go onto the IRS site and request the last 2 years for her. I had them sent to her at XXXX ish MT time. Yesterday XX/XX/XXXX, I got a call saying everything was a go for our signing today XX/XX/XXXX at XXXX. Great! We have driven 12.5hrs to do this and taken off work. At around XXXX the lady calls back to tell me the money that was gifted was unsecure and we couldnt close. She had all the documents and statements last Wednesday XX/XX/XXXX, I spoke with her several times, and this information was never mentioned. She tried to play it off again as if it were my fault. So here we are 12.5hours from our previous home and unable to sign and move in to our new home. Her superior, the loan officer contacted me and said there should be no reason we cant close as scheduled today because all the documentation has been provided. This has been such an awful experience as first time home buyers, id never wish it on anyone.
Consumer complaint received 2020-02-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (AZ)

Hello! 
I opened an account with Wells Fargo in XX/XX/XXXX with the impression that I was going to receive the bonus checking offer. I made sure I met all the requirements within the time frame. I searched how long it would take for the bonus to be in my account and it said 45 days. 

So I waited for 45 days, and then I called their customer service line in XX/XX/XXXX. I was told by the customer service rep that it's 45 BUSINESS days and to wait a few more days because I did hit all the requirements. I'll receive a message in my account letting me know that I successfully met all the requirements and when it will be deposited. 

I called again in XXXX since I haven't received it yet, and then I am told that it's because I didn't meet the requirements. I asked to speak to a manager and was transferred to " Escalation Support ''. XXXX told me that she will file a report and have it " further investigated ''. I explained that I was already told I hit all requirements. I wanted an explanation as to how, all of a sudden, I'm no longer eligible. She couldn't explain why, but said I'll receive an email or a letter in the mail. 

A month later I received a letter saying that I didn't meet all the requirements. 
The requirements were : 1. Open an account through the link I got in my email. 
Which I did. 
2. Deposit at least {$25.00} I deposited {$50.00}. 
3. Receive a total of {$3000.00} or more in qualifying direct deposits to the new checking account within 90 days from account opening ( the qualification period ). - I had direct deposits of at least {$4500.00} *I am in a participating area. ( Zip code is XXXX ) *My account never reached {$0.00}. 
*I opened a regular checking account. 
*I am a new customer. 

I attached : 1. 3 bank statements showing I met all the requirements. 
2. The email of the offer I received with a time stamp. 
3. A screenshot of their current offer that's similar to what I opened with. ( The only difference is now it's {$4000.00} instead of {$3000.00}. 
4. The letter that they mailed me after being told I didn't qualify for the bonus. 

As of today, XX/XX/XXXX, I closed my account over the phone. Explained this reason again and all I got was " our apologies ''.
Consumer complaint received 2018-12-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AMERICAN EXPRESS COMPANY (FL)

I open an account with american express but for some reason they decided to end the relationship and now they are holding on to my funds and don't want to return it nor refund it.american express national bank is holding my funds HOSTAGE and won't release the funds nor return the funds. I have contact them by phone and by mail and still no response.Please help me with this situation.
Consumer complaint received 2020-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

Credit card company will not distinguish between promotional and purchase balance when assessing interest charges. The are applying my entire payment, some of which is over the minimum payment, to the promotional balance while continuing to increase my high-interest purchase balance. 

Promotional balance began in XX/XX/XXXX - {$1300.00} Purchase made XX/XX/XXXX - {$280.00} Total payments thru statement closing date of XX/XX/XXXX - {$410.00} Interest charged XX/XX/XXXX - XXXX Minimum payment due - {$19.00} Balance subject to interest - {$260.00} promotional balance {$1100.00} Payment through statement closing XX/XX/XXXX - {$100.00} Interest charged XX/XX/XXXX - {$6.00} Minimum payment due - {$18.00} Balance subj to interest - {$270.00} Promotional balance {$990.00}
Consumer complaint received 2020-02-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

I received a letter during holidays on XX/XX/2019 while we were out of the country, that my mortgage was transfered to another Mortgage company. Mr Cooper indicated that all automatic payments would stop immediately thing that didn't happen. I got double charged ( new Lender ) and Mr Cooper. I've been calling, asking for the reimbursement of my money and they don't act, respond or do something about it. I am claiming the reimbursement of {$1400.00} with no success. Several phone calls, follow up and Mr Cooper Lender ( Nationstar Mortgage LLC ) just simply do nothing about it. The money is in their system as " Miscellaneous Payment ''
Consumer complaint received 2020-02-28
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: Experian Information Solutions Inc. (TX)

ftc violatoions XX/XX/2017, the Consumer Finance Protection Bureau filed a lawsuit against XXXX. The CFPB accused XXXX of failing to act in its customers best interests. Among other things, the CFPB charged that XXXX :
Consumer complaint received 2017-09-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (OH)

Citibank is calling me repeatedly and leaving voicemails. Here are the times/dates they have called me recently : XX/XX/XXXX - XXXX, XXXX, XXXX XX/XX/XXXX - XXXX, XXXX, XXXX, XXXX XX/XX/XXXX - XXXX, XXXX, XXXX, XXXX XX/XX/XXXX - XXXX, XXXX, XXXX, XXXX   XX/XX/XXXX - XXXX, XXXX, XXXX, XXXX XX/XX/XXXX ( today ) - XXXX, XXXX, XXXX
Consumer complaint received 2020-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

ftc violatoions XX/XX/2017, the Consumer Finance Protection Bureau filed a lawsuit against XXXX. The CFPB accused XXXX of failing to act in its customers best interests. Among other things, the CFPB charged that XXXX :
Consumer complaint received 2020-02-28
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. (FL)

I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2021-08-30
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: HYUNDAI CAPITAL AMERICA (NY)

I purchased the XXXX Hyundai  I was leasing from Hyundai Finance They received my check on XX/XX/XXXX {$10.00}, XXXX I waited for the title to be sent and I called XX/XX/XXXX and was told they needed an odometer reading < I was never told that I received the form and faxed it 4 times and emailed once. They keep claiming they never received it I have fax verifications I even emailed the dealership XXXX  Hyundai ( they do not answer the phone ) no response I am at the end of my rope I do not know what else to do
Consumer complaint received 2020-02-28
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: AMCOL Systems, Inc. (IN)

I am in a XXXX Savings Program called the Qualified XXXX Beneficiary ( XXXX ) Program. XXXX providers aren't allowed to bill for XXXX-covered items or services. Since XX/XX/XXXX, XXXX XXXX XXXX  Hospital, XXXX XXXX XXXX, IN, has been sending me a bill for {$380.00} for an attendant XXXX physician. 

In XX/XX/XXXX, XXXX XXXX sent this illegal charge to a collection agency : AMCOL SYSTEMS INC Type of Industry : Other Collection Agencies Account Number : XXXX Address : XXXX XXXX XXXX XXXX SC XXXX Phone Number : ( undefined ) undefined where it has appeared on my credit report since, decreasing my credit score and preventing me from obtaining credit. I made numerous attempts with XXXX XXXX Hospital to bill XXXX and they refused. I have contacted the collection agency and they refuse to remove this report. The culprit here is XXXX XXXX XXXX Hospital, XXXX. 

My XXXX number is XXXX
Consumer complaint received 2021-08-30
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. (FL)

According to the FCRA it is unlawful to report unauthorized inquiries on my credit report therefore i ask that the following inquiries be removed immediately!