davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Somebody we dont know made 7 different transactions on my savings account on XX/XX/XXXX for a total of XXXX dollars. We filed the complaint to bank of America but they rejected it. I am coming to you because we did not make those transactions and we can really use your help. 
List of transactions : Withdrawal from ATM XX/XX/XXXX : {$360.00} Withdrawal from ATM XX/XX/XXXX : {$260.00} XXXX XXXX XXXX Purchase XX/XX/XXXX : {$550.00} XXXXXXXX XXXX XXXX Purchase XX/XX/XXXX : {$14.00} XXXX XXXX Purchase XX/XX/XXXX : {$29.00} NNT XXXX XXXX XX/XX/XXXX : {$29.00} XXXX Purchase XX/XX/XXXX : {$82.00}
Consumer complaint received 2022-04-12
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. (FL)

In accordance with the fair credit act XXXX XXXX account # XXXX was paid off XXXX XXXX is violating my rights.

15 U.SC 1681 section 602A. States I have the right to privacy 15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-12
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. (CA)

In accordance with the Fair Credit Reporting act XXXX ( I BELIEVE KNOWN AS XXXX XXXX XXXX ) Account # UNKNOWN has violated my rights. I don't know who XXXX is. I have never signed any agreement or contract with them. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions They have violated my HIPPA rights as well. This is financial discrimination and XXXX inequities. They have violated my Equal Credit Opportunity Act- This Act ( Title VII of the Consumer Credit Protection Act ) prohibits discrimination on the basis of race, color, religion, national origin, sex, marital status, age, receipt of public assistance, or good faith exercise of any rights under the Consumer Credit Protection Act.
Consumer complaint received 2022-04-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TRUIST FINANCIAL CORPORATION (MD)

My XXXX  was originally signed through Suntrust. The problems began with the merger that resulted in Truist. Truist customer service is abysmal. I was unable to establish an online account and kept receiving error messages. When I call, the call center has wait times of over an hour. After waiting for XXXX min, I was dropped. When I attempted to get information at the branch, the XXXX has to call into the same call center and wait on hold. I am currently waiting for a call back from the branch XXXX at the XXXX, MD branch. I simply need a payoff letter to sell the property and settle. The title company was also unable to reach the bank.
Consumer complaint received 2022-04-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the fair credit act XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX account # XXXX was paid off. XXXX XXXX is violating my rights. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy XXXX XXXX XXXX section XXXX section XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions..
Consumer complaint received 2022-04-12
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. (FL)

In accordance with the fair credit act XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX account # XXXX was paid off. XXXX XXXX is violating my rights. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy XXXX XXXX XXXX section XXXX section XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions..
Consumer complaint received 2017-08-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I have been having problems with na vient for a few years now and have made complaints before with you guys then sent an email that it will get a follow-up in so many days and nothing and these type of non communications have been going okn for a year until it affected my credit and then there are increase that the complaint line could not answer by phone or email all of which i have. Please help me
Consumer complaint received 2016-01-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP (SC)

XXXX XXXX XXXX ( f/k/a XXXX XXXX XXXX ) took over my loan. After suffering a financial downfall in the recession we tried multiple, multiple, times to modify. XXXX had a Foreclosure Mill file for foreclosure while we were still submitting for XX/XX/XXXX or so time paperwork for a mod. Foreclosure was stayed b/ this is our primary residence and due to the DOJ halt on foreclosures on primary residence. The case was dismissed and XXXX quickly agreed to not only a modification but also a principal reduction. GREAT! We did our trial payments ... .we signed a modification agreement finalizing the conditions and all was back on track. A few months in I received a notice that our new payment was going to increase by several hundred dollars??? WHY? Apparently there was a negative {$13000.00} in our escrow account that was throwing off the monthly payment. I quickly called my BofA representative that handled our modification ( Not there anymore ), Called/ emailed the Foreclosure Mill that was involved as a contact with my modification. No help. Then went through the multiple departments at XXXX to try and correct the problem. Some reps in certain dept. said, " Yes, I can see the error but I can not correct it. '' They would just direct me to another department without any resolution. I was told the only way to try and clear up the error would be to apply for another modification. WHAT? I do not want another modification. I just want this error on the escrow account corrected! I ended up sending in all the modification docs yet again b/ it seemed to be my only option. I was denied and then sent to appeals ... .then my loan and servicing was closed/sold/transferred to Selene Finance . I quickly explained the situation to the Selene rep. that seemed to have NO information about my past with XXXX. I then sent a QWR certified mail requesting information on the accounting/servicing/terms of the loan they now claim I owe them. After XXXX days I received a reply from Selene which said it had enclosed items such as payment history, detailed acct. history, etc. etc. But none of those attachments were in the packet. I sent A SECOND QWR that was acknowledged by Selene on XXXX/XXXX/XXXX and again it has been 45+ days with no response. My concerns are 1 ) Selene Finance is not adhering to RESPA rules ( over 30 days, NEGATIVE reporting to credit agencies ) 2 ) My original XXXX loan was registered with XXXX but has been inactive since XXXX. 3 ) The assignment recorded in my county has known robo-signers with lapses in recording dates. XXXX XXXX No one will seem to give me a proper chain of XXXX. XXXX ) The assignment from XXXX to XXXX on file at XXXX XXXX is signed by ASSIGNOR : XXXX XXXX. XXXX XXXX is the VP for Selene. Where is the signature from XXXX to Selene? How is it they can purchase my loan at a steep discount and then try to collect much more? How do they have the right to report my loan since it originated on my credit report when they just purchased it 5 months ago?
Consumer complaint received 2022-04-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XXXX XXXX, there was {$450.00} balance reported from Capital one. Called Capital one and notified them this not my balance and someone opened this account using my name. No resolution. I need this balance taken off immediately because I have never used or notified of the collection by Capital one.
Consumer complaint received 2022-04-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (DE)

XXXX ( Synchrony credit ) has the incorrect amount owed on my credit report. The last bill received states balance due {$300.00} ( see attached ). However, on the credit report is reads : {$400.00}. Therefore, this account should be removed from all credit reporting agencies.
Consumer complaint received 2019-07-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NC)

My mortgage was sold to Loancare LLC on XX/XX/XXXX by XXXX who filed for bankruptcy. Loancare received my mortgage payment on XX/XX/XXXX by electronic payment from my bank. They have yet to post my payment to my account as of today XX/XX/XXXX. I have made countless calls to get this resolved. They asked for proof of payment which I sent them on XX/XX/XXXX and again on XX/XX/XXXX. I spoke to XXXX on XXXX and was informed that they did have all the info they needed and that the payment would be posted by XXXX. This did not happen and I made another call today XXXX. Spoke to XXXX today and was told again that they had all the info they needed and that it would take another week to fix this, until XX/XX/XXXX!!! 
This is completely unacceptable. They have " stolen '' my money for over a month. This is not an isolated case. If you look at their complaints on the XXXX website and social media sites ( XXXX, XXXX, etc ) you will see that this is an incompetent and corrupt company. People are being lied to and having their money stolen from them! The CFPB needs to do an actual investigation of this companies business practices. If the CFPB can't investigate please notify the government agency that can, because there are many consumers being taken advantage of by this company. I will attach the proof of payment documents that I sent to Loancare. Anytime that you email or call them they either give a generic response or lie to you about solving your issue.
Consumer complaint received 2022-04-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2023-07-02
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: GOLDMAN SACHS BANK USA (VA)

Late paymemt/missed payment and closed account was reported on my credit report during the Covid-19 Pandemic. I had difficulty keeping up with the payment due to being laid off from my job to job. I have tried to find multiple job just from being laid off job to job due to the business closing and not need much workers.
Consumer complaint received 2022-04-12
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BMW Financial Services NA, LLC (CA)

On XX/XX/2022 I, XXXX XXXX XXXX sent communications to BMW FINANCIAL SERVICES XXXX XXXX certified mail # XXXX, it was delivered on XX/XX/2022 at XXXX. In my communication, I requested validation of debt pursuant to FDCPA XXXX XXXX Code XXXX ( g ). BMW FINANCIAL SERVICES did not respond to my communication pursuant to the above law, instead on XX/XX/2022 they sent out a computer generated letter, subject " CREDIT REPORTING ''. In my debt validation letter to BMW FINANCIAL SERVICES I listed the what was required to validate the debt pursuant to the law, BMW response was the dispute I submitted did not contain specific details or documentation demonstrating an error. I'm not sure if there's another version of XXXX XXXX XXXX XXXX ( g ) and its requirements for creditors. I am writing this complaint to get some resolution, because there's numerous violations associated with this account.
Consumer complaint received 2022-04-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I depoisted a check into my XXXX XXXX XXXXXXXX XXXX ON XXXX XXXX SINCE I RECENTLY OPENED MY ACCOUNT I WAS TOLD IT WOULD BE A HOLD OF FUNDS UNTIL XXXX. ON XXXX I CHECKED THE ACCOUNT AND THE FUNDS WERE NOT IN THE ACCOUNT. I CHECKED THE ACCOUNT ACITIVITY AND SEEN THAT MY DEPOSIT WAS MADE ON XXXX, AND ON XXXX THE CHARGES WERE REVERESED.I CALL THE BANK AND WAS TOLD MY CHECK WAS INVAILD AND NOT GOOD. I RECEIVED A LETTER IN THE MAIL ON XXXX SAYING MY CHECK WAS INVALID AND IT WOULD BE RETURNED IN XXXX DAYS. WELL TODAY IS XXXX, I STILL HAVENT RECEIVED MY CHECK BACK OR A CREDIT TO MY ACCOUNT. THE CHECK IS A CLASS ACTION SETTLEMENT SO I KNOW THE FUNDS ARE THERE AND CHECK IS GOOD. NO ONE CAN HELP IN THE BRANCH LOCATION OR OVER THE PHONE
Consumer complaint received 2022-04-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2023-07-02
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC. (NV)

violated repo laws The Nevada Revised Statutes detail what specific information the notice must include. For example, the notice must : Itemize the loan balance, repossession costs, and any other costs or fees related to your default. 

show proof that i received it time stamped in date Never received right of redemption i never received it!
Consumer complaint received 2019-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

EQUIFAX CREDIT BUREAU IS REPORTING TWO NEGATIVE ACCOUNTS FROM XXXX XXXX XXXX AND XXXX XXXX BUT I PAID AS AGREED.I HAVE PROOF FROM EQUIFAX CREDIT REPORT HOW CAN IT BE A NEGATIVE ACCOUNT IF I PAID AS AGREED?
Consumer complaint received 2018-12-21
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Stuart-Lippman and Associates, Inc (NJ)

1. I received an alert email from the credit institution this morning on XX/XX/2018. 
2. A collection agency suddenly put {$4800.00} on my credit report. I do not recognize this amount and did not receive any detailed information although I requested that they should send the the detailed one to the attorney.

3. When I was terminated by phone suddenly on XX/XX/2018, although there was no debt but {$1000.00} credit I could not receive my credit amount when terminated. 
After several month, the company forwarded the sudden debt to the collection agency, XXXX XXXX & XXXX XXXX without any notice. 
4. Please delete immediately the collection amount on my credit report. That's not my own.
Consumer complaint received 2022-04-12
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: AMERICAN EXPRESS COMPANY (NJ)

American express did not give clear info on credit reporting. Signed up for a payment plan to make account current. Account became current on credit report now shows delinquent although Amex informed me that my account would no longer report as delinquent because my payments are automatically Withdrawal. Account went delinquent again and they refuse to resolve the issue.
Consumer complaint received 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (KY)

I have discovered inaccurate information on my credit report. I am informing your company the error in my credit report and request to delete the error immediately. The bankruptcy remarked hurt my credit report and might decease my credit score as well. Here is the detail : Chapter XXXX Bankruptcy / XXXX/ {$0.00}
Consumer complaint received 2019-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (GA)

Only disputed one account which is Synchrony/ Lowes as not my account. As XXXX requested, I sent a request to the creditor Synchrony Bank/ Lowes via 3 certified mail and no response or verification of account from the creditor : XXXX ; XXXX ; and XXXX. Last letter sent creditor refused to sign for letter. XXXX  and XXXX   have deleted account after creditor fail to validate account. Sent new certified letters today to creditor XXXX and 2nd letter XXXX. XXXX. Requesting monetary value of $ XXXX from XXXX for value of reporting account as it is damaging my reputation. Will seek damages from company also.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (DE)

Greetings, My name is XXXX XXXX XXXX IS NOT A REGULAR DISPUTE, I am a victim of identity theft and did not open these accounts. More specifically, my social security number was compromised and used to open these fraudulent accounts. These accounts are now being furnished onto my credit report without permissible purpose, consent, or my knowledge FOR THE THIRD TIME. 15 USC 1681c-2- ( a ) which states, " a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt ''. I appreciate your due diligence and assistance in remedying this situation in advance. Please NOTE : This account was previously reported as identity theft and blocked from my credit report. No other credit reporting agency is reporting this fraudulent information this is inaccurate and is in direct violation OF MY CONSUMER RIGHTS! This time, I am fully prepared to move forward with litigation, FOR WILLFUL NON-COMPLIANCE. The next letter will be a request for payment of invoice. I DID NOT GIVE PERMISSIBLE PURPOSE FOR THIS NEGATIVE FRAUDULENT INFORMATION TO BE FURNISHED TO MY CREDIT REPORT!! Block the reporting of the following fraudulent accounts within 4 days, as outlined in the Fair Credit Reporting Act to avoid immediate litigation. 
XXXX ( Original Creditor:XXXX XXXX  ) Account Number : XXXX Opened : XX/XX/XXXX Balance : {$420.00} I did not open or authorize the opening of the following account. BLOCK immediately from my credit report. 

This fraudulent account has brought me undue hardships. I have also notified the Federal Trade Commission and the CFPB of this identity theft. I have provided the CFPB report as well as my identity theft affidavit with this letter that will be sent via certified mail for tracking purposes. Understand I am completely prepared to move forward with litigation as this account continues to reappear FRAUDULENTLY on my credit report under different debt collectors. The Fair Debt Collection Practices Act also outlines in full your duty in these instances. Please note I DO NOT WISH to have any SECURITY FREEZES added to my credit report. However, I am aware of my right to do so. I appreciate your due- diligence in rectifying this matter. 

With Kind Regard, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX SSN : XXXX Date Of Birth : XX/XX/XXXX Enclosed with this letter : FTC Affidavit CFPB Complaint Identification Social Security Card Utility Bill Please note, I stated, I DO NOT WISH TO PLACE ANY FRAUD ALERTS ON MY CREDIT REPORT.
Consumer complaint received 2022-04-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I have discovered inaccurate information on my credit report. I am informing your company the error in my credit report and request to delete the error immediately. The bankruptcy remarked hurt my credit report and might decease my credit score as well. Here is the detail : XXXX XXXX Bankruptcy / XXXX/ {$0.00}