davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-19
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: ALLY FINANCIAL INC. (FL)

XX/XX/2018 Ally bank Market my account as over drafted but I never created an account with them, a while later i decided to create an account myself & when i deposited money. they took money from my account. {$2000.00} & then market my account has negative {$2000.00} it was a complete banking error and when i confronted them about it they just blocked my account & refuse my phone calls. 

I NEED JUSTICE!
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXXXXXX XXXX UNATHORIZED INQUIRY XXXX XXXX XXXXXXXX XXXX UNATHORIZED INQUIRY XXXX XXXX XXXXXX/XX/2022 UNATHORIZED INQUIRY XXXX XXXXXX/XX/2022 UNATHORIZED INQUIRY XXXXXXXX XXXX XXXXXX/XX/2022 UNATHORIZED INQUIRY XXXX XXXXXXXX XXXX UNATHORIZED INQUIRY XXXX XXXX XXXXXXXX XXXX XXXX UNATHORIZED INQUIRY XXXX XXXX XXXX UNATHORIZED INQUIRY XXXX XX/XX/2022 UNATHORIZED INQUIRY XXXX XXXX XX/XX/2022 UNATHORIZED INQUIRY
Consumer complaint received 2021-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My accounts have not been updated even though it shows last updated within a few days of me viewing my credit score and report. My credit card balances have not been updated or anything. My credit score with the other credit reporting agencies is a 56 point difference because this company Transunion is terrible and reporting wrong and incorrect information. It is fraud to have three different reporting agencies all reporting different scores. There should be one credit reporting agency and consumers info needs to continuously be updated and correct as this is unfair and causes problems for people who are trying to fix/repair their credit to say purchase a home or car etc. This needs to be fixed and Transunion needs to get correct on their reporting or be done away with period!
Consumer complaint received 2020-02-19
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: AIH Receivables Management Inc. (MO)

AIH Recievables has been calling my father 's office phone, his company phone and his cellphone repeatedly. They are only allowed to call once, and they continue to call several times a week. I don't know if they ever sent a written notice of any debt, because I am not sure what debt this could be in reference to. 

This is incredibly hard on my father and his company. It is a smaller, start-up type company and they really don't have time to deal with constant, harassing calls. 

I believe they have violated the FDCPA, due to : the harassing nature of the calls ( over 10 calls made to his office ), the fact that they have repeatedly tried to contact a third party, and because I NEVER provided any number related to my father on my medical accounts. 

Please let me know how I can move forward in submitting these violations, as this has been very annoying for my father, and myself.
Consumer complaint received 2022-09-26
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. (MO)

I am submitting this CFPB complaint to request that the Credit Bureaus remove the disputed Accounts and information that resulted due to identity theft. Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information that some Credit Bureaus provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. Also, the Credit Bureaus have claimed that the disputed items are verified and are reporting accurate information on my Credit file. However, the Credit Bureaus have failed to send me copies of proof of verification or any documents bearing my signature. I am now submitting this CFPB Complaint to request that the Credit Bureaus remove the following disputed accounts and information completely from my Credit file : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX STATE XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance Owed : {$510.00} ACCT XXXX XXXX XXXX Balance XXXX : {$370.00} ACCT XXXXXXXX XXXX XXXXXXXX Balance Owed XXXX {$370.00} ACCT XXXX XXXX XXXX Balance Owed : {$370.00} ACCT XXXX XXXX XXXX Balance Owed : {$370.00} ACCT XXXX XXXX XXXXXXXX Balance Owed : {$370.00} ACCT XXXXXXXX XXXX XXXXXXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2100.00}
Consumer complaint received 2020-02-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Optimum Outcomes, Inc. (FL)

Full amount of XXXX was paid on XX/XX/20 however account was placed for collections on XX/XX/20. I attempted to get this removed and even tho they say its been removed, its still reflecting on my file.
Consumer complaint received 2021-11-17
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I have asked Portfolio Recovery Collection Agency to not contact me by phone but only in writing to the address they have on file since XX/XX/2021. They have continued to call me and even argue with me instead of simply contacting me by mail only. I have a screenshots of just a few calls but almost daily I have been receiving phone calls from this company instead of them contacting me by mail as I have requested. They have even started calling old friends and some family members in attempts to contact me. Here is a log of the phone calls I remembered to keep record of. 
Wednesday XX/XX/2021 they called me at XXXX from XXXX Tuesday XX/XX/2021 they called me at XXXX from XXXX Sunday XX/XX/2021 they called me at XXXX from XXXX XX/XX/2021 they called me at XXXX from XXXX XX/XX/2021 they called me at XXXX from XXXX
Consumer complaint received 2021-11-17
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. (MO)

Hello, I requested a few accounts to be removed since they were inaccurate, they just ignored my previous request and failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish.I havent receive an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with my credit report.
Consumer complaint received 2022-03-25
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Persolve, LLC - Legal - Series 2 (FL)

I sent two debt validation letters via certified mail on XX/XX/22 and XX/XX/22. They have failed to validate based on laws and keep reporting on my credit. I owe them nothing. The laws are clearly being violated and my name is being slandered.
Consumer complaint received 2021-11-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: SCHOOLSFIRST FEDERAL CREDIT UNION (CA)

XX/XX/2021 I filed a fraud disput with school first because I was cheated by the XXXX XXXX XXXXy who charged me for the service repair tgey never provided After all this time on XX/XX/2021 I received a letter that Schoolsfirst wants a proof of I paid a fee for the service which its {$150.00} XXXX email and the fax number doesnt work and they arent helping at all after all this time not only they failed to resolve now tgey caused me extra head ache This past Sunday I fell and broke my knee and my husband is out of country I am by my self and cant drive School first thinks I made all this up and disregard my saying that email they gave me wont go So without resolving my issue after 6 month they took XXXX {$150.00} out of my account
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I've called every credit company and even sent in mail, and my addresses don't match up and the chargers don't match up, as well as I've seen hard and inquires hit my credit.
Consumer complaint received 2021-11-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NVR INC. (OH)

I am currently building a new house and had authorized my builder and their lending company to perform a hard credit pull back in XXXX ( XX/XX/2021 ) which they did. The problem I have now is they have done another hard pull on XX/XX/2021 without my consent and without informing me. I want this to be taken back and delete the hard inquiries from XX/XX/2021 from my accounts. 

Thanks!
Consumer complaint received 2021-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank (TX)

I obtained a secured credit card with First Progress Card. They have me at {$200.00} balance and reporting me as being late from solely late fees. I closed my account with them and used my deposit to pay off the account and they charged me another late fee!! If {$200.00} was given why would I be charged again and given another late on this card. I was charged the annual fee as well but closed the account shortly afterward. I should have this fee reversed as well.
Consumer complaint received 2020-02-19
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (NC)

XX/XX/XXXX I used to charge my Best Buy to purchase things. As of XX/XX/XXXX ( estimate date ), my true balance without interests was nearly {$4000.00}. I got the billing statement from Best Buy that dated on XX/XX/XXXX that my additional lump sum of interest was {$2100.00}. 

I called them last week to express my concern about the lump sum interest that is additional to my balance that I disagree. I do not mind paying the interests based on the principal that I purchased. They basically said that it was part of the contract per interest free for a term ( I think it is up to 18 or 24 months ). 
I hope I can attach those documents as summary : Page 1 - Show the lump sum of interest Page 2 - Show that I did pay some interest Page 3 to 5 - show that there was no interests. 

If you have more questions, here is my email address - XXXX XXXX, I do not mind paying interests on the actual principal that I am obligated to pay. By the way, I paid my payment on time. 

Hope that makes sense. 

XXXX XXXX XXXX
Consumer complaint received 2020-02-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (PA)

My daughter, XXXX XXXX and I have a joint checking account at XXXX XXXX XXXX XXXX. I had multiple issues with the account in forms of identity theft, unapproved transactions attempting to take money out of account therefore was over drafted by {$950.00}. I worked with XXXX to resolve this matter wherein I had set up {$50.00} a month payment arrangement. In the meantime, they still sent the account to collections with Transworld Systems Inc. 

On XX/XX/XXXX, I worked out a settlement regarding this account with XXXX, balance was satisfied and they agreed to put the account back into a positive status. 

On XX/XX/XXXX I received a letter from Transworld trying to collect on the balance that was paid in full. They didn't even deduct the payments I made through XXXX. I called Transworld and informed them that I worked out a settlement with XXXX and this balance has been satisfied since XX/XX/XXXX. I got no response. 

Transworld Systems Inc. is fraudulently trying to collect on a balance that is not due.
Consumer complaint received 2022-03-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (GA)

I XXXX XXXX was a victim of identity thief and therefore these collections were placed on my credit file fraudulently. 

Be advised this is not a refusal to pay, but a notice that your claim is disputed, and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Consumer complaint received 2022-03-25
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: Experian Information Solutions Inc. (GA)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-03-25
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. (FL)

I'm filing a complaint because TransUnion is damaging my buying power and my character. I have exhausted all of my options on getting matters escalated directly with them but yet they have ignored. Today was my final attempt after being on a phone call XXXX hour XXXX minute with no solution to the issue. My Information has been compromised and there has few accounts opened in my name without my authority. I have contact original creditor and they have agreed and close out the account however it's reporting due Transunion negligence. On XX/XX/XXXX I sent out proper documents and XX/XX/XXXX I sent out XXXX  fraud XXXX. XXXX has removed accounts for my credit report on XX/XX/XXXX and XXXX of XXXX and XXXX have removed accounts on my credit report XX/XX/XXXX. Admission is to deletion, the other credit bureaus have removed it then Trans Union should remove it especially because it's a fraudulent account. I have submitted all the proper documentations to them via certified mail which include my identity theft report as well as a dispute letter and out of my proper identification. Transunion has failed numerous of times and has violate my privacy as a consumer. The credit bureaus must report accuracy on my credit report and all accounts should have been properly verified before insertion.You have violated my federally protected consumer rights. Under 15 USC 1681e ( B ) you did not report my consumer report with accuracy. Transunion also violated 15 USC 1681 ( A ) ( 4 ) because you DID NOT report my consumer report with fairness, impartiality, and respect. In fact, you were biased with the instructions that I gave you and decided to do things your way by bullying me and forcing me to accept what you deem verified. I've been told numerous of guys from the Credit representative and they have failed to do any type of proper verification or to acknowledge my documents that were sent. There's also numerous address on my credit report that does not belong to me. During YOUR investigation period, Transunion REMOVED THESE ITEMS WITHIN 4 DAYS ACCORDING TO 15 USC 1681c-2 ( A ), WHICH YOU VIOLATED. This issue is considered negligence and aggravated identity theft. Keep in mind, I called several times and ask to speak to an executive supervisor in the consumer affairs department but I was also told thy can't and will not help. I'm beyond upset. The names the credit accounts are XXXX XXXX XXXXXXXX, XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (IL)

We received notice ( attached ) that our bill was past due. However, we never received a bill. Upon calling the cc company, we learned that we had an outstanding balance of {$370.00} which included {$28.00} of late charges and XXXX of interest. After expressing our displeasure with not receiving a bill, the late charges were waived, but not the interest. We paid the outstanding {$340.00} bill in full and cancelled the card. We were then threatened that we could never receive another Gap credit card.
Consumer complaint received 2018-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (FL)

I am filing a complaint against TD Bank. I mailed my mortgage payment to my mortgage holder for the XX/XX/2018 mortgage payment for the amount of {$490.00}. The check was made to XXXX XXXX. On XX/XX/XXXX XXXX XXXX contacted me to ask me why I did not send the payment for XXXX, I told that it was sent had had been deposited at my bank, since I saw on my statement that it had been deposited. I then uploaded the check from my computer and noticed that the front of the check had been altered and that XXXX   had been added in parenthesis next to his name and that the signature at the back was not XXXX XXXX name but that someone else had signed the check. 
I then went to the TD Bank on the same day and filed an affidavit of fraud and gave them the number of the police report I made. The paperwork was notarized at the bank and my husband and I was told that the money would be refunded in the next four days. 
Since then I have contacted them multiple times, I have been told that the affidavit had been sent to XXXX XXXX XXXX and that they can not be contacted by phone, then I was told that my case had not been assigned to anyone. They called me today and had me sign another affidavit telling me that they need to send it to New Jersey and restart the process. They are refusing to pay back for their mistake. 
Attached is all the paperwork that I have signed and provided them with. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-23
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: Synovus Bank (NV)

XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX First Progress Card XXXX XXXX XXXX XXXX XXXX, XXXX Re : Case no. XXXX CFPB complaint To whom it may concern : this letter is in response to your recent claim regarding case number XXXX XXXX filed with the CFPB in which you claim all of the late payments are valid. 
Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 
Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. 
As per FTC opinion letter from attorney XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation. 
Be aware that I am making a final goodwill attempt to have you clear up this matter the listed late payment items are inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing another complaint with the Consumer Financial Protection Bureau and the attorney general 's oice, mainly because of your pattern of mailing statements late and then extracting late fees habitually from your clients. 
I further remind you that you may be liable for your willful non compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I would be seeking a minimum of {$XXXX in damages per violation for : defamation camera negligent enablement of an identity fraud, violation of the fair debt collection practices act including but not limited to section 807-8, violation of the fair credit reporting act including but not limited to section 623-b. 
You will be required to appear in a court venue local to me in order to formally defend yourself. 
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
CC : Consumer Financial Protection Bureau CC attorney general 's oice CC XXXX XXXX XXXX
Consumer complaint received 2021-11-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

Shellpoint Mortgage Address XXXX XXXX XXXX XXXX XXXX Fl XXXX I was in a forbearance for my mortgage payments DUE TO COVID 19 and was also offered a deferment to move my missed payments to the end of my loan. In the month of XX/XX/2021 I finally got my old job back and Shellpoint mortgage offered me a loan modification and I started making new payments again in XX/XX/2021. Shellpoint HAD PROMISSED that they weren't going to report me to the credit bureau due to the National COVID 19 situation only to find out that Shellpoint did report me to the credit bureaus and will still report me for up to six additional months until I finish my trial period for my loan modification. 

I contacted them and they don't want to help me at all. I need to have good credit score in order to keep my current job position.