davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-03
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. (NJ)

Over the past 2 months I have tried to have my creit locked due to identy theft and credit buros did not, lock my credit resulting in almost 50 inquires and XXXX refuses to remove and account that was a result of identity theft The fradualnt acount is XXXX XXXX XXXX  for {$120.00} The fradulant inquires are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Automated Consumer Interview System XXXX XXXX XXXX. Automated Consumer Interview System XXXX XXXX XXXX   Direct to Consumer Report XXXX/XXXX Promotional Inquiry XXXX ID Report XXXX  Automated Consumer Interview System XXXX XXXX XXXX. Automated Consumer Interview System XXXX XXXX XXXX. Automated Consumer Interview System XXXX XXXX ID Report XXXX XXXX/XXXX  ID Report XXXX XXXX XXXX XXXX Promotional Inquiry XXXX XXXX Prequalification for Credit Card XXXX Promotional Inquiry
Consumer complaint received 2021-08-17
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. (CA)

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT DONT BELONG TO ME. A LETTER OF EXPLANATION IS ENCLOSED
Consumer complaint received 2022-07-20
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)

It appears that my credit file has been compromised. I was going through my records & noticed many items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Bureaus are required by law to remove & block any items or information which is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove the following Fraudulent items listed below : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX.
Consumer complaint received 2019-01-04
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CMRE Financial Services, Inc. (CA)

I received a bill from CMRE Financial Services , Inc. about three weeks ago. 

I received a missed call from them yesterday. I would like to know why. What was the purpose of the missed call? I believe that element of bad intention and fraud does in fact exist regarding this matter. 

Secondly, I have requested numerous times from them to please provide me with proof that I owe this debt to them. However, they didn't provide me with the proof. 

I believe that I have not been treated fairly. Thanks.
Consumer complaint received 2021-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

On XX/XX/XXXX I applied for a Secured Unlimited Cash Rewards Platinum Plus Visa card with Bank of America. Reference # XXXX. My application was denied the same day. I received a letter stating that one of may accounts was included in bankruptcy or thy received notification of my intent to file bankruptcy. Both of these allegations are false. Bank of America did not validate/verify any of this fraudulent information through me in regards to me. I do not have any accounts from Bank of America included in a Bankruptcy and I have not informed Bank of America of any intent to file bankruptcy. They are receiving inaccurate information in regards to me as the consumer without receiving factual information from me. The Fair Credit Reporting Act ( FCRA ) is intended to inform consumers about the accuracy and fairness of credit reporting in pursuant to 15 USC 1681. Denying me of getting a secured credit ( using my own funds ) is not accurate and fair.
Consumer complaint received 2019-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I'M HAVING A PROBLEM WITH BANK OF AMERICA REGARDING MY CHECKING ACCOUNT, ROUTING NUMBER XXXX CHECKING ACCT XXXX ON THE AFTERNOON OF XXXX XXXX PRIOR TO CLOSE OF BUSINESS DAY, I DEPOSITED THE ATTACHED CHECK FROM MY OTHER BANK XXXX LOCATED .25 MILES AWAY FROM B OF A.THE MACHINE PUT A HOLD ON THE CHECK FOR 9 DAYS.THE CHECK PAID THAT NIGHT AROUND MIDNIGHT ( THE FUNDS LEFT MY XXXX ACCT. ) SATURDAY XX/XX/19 RIGHT NOW THE FUNDS ARE STILL ON HOLD, NOT SHOWING IN MY AVAILABLE BALANCE.THE ACCOUNT ONLINE HAS NOTED THAT THE FUNDS WILL BE AVAILABLE ON XX/XX/XXXX AT XXXX. 
I SPOKE TO BOFA BANK MGR AT MY BRANCH, I SPOKE TO BOFA CUST.SERV. IN SO CAROLINA, I SPOKE TO BOFA FRAUD DEPT ... ALL WITHOUT RESULTS.I WAS TOLD BY SO.CAROLINA C.S. THAT ONCE BANK OF AMERICA HAS THE FUNDS THE HOLD WILL BE RELEASED.I WASN'T BORN YESTERDAY AND I KNOW THAT THIS CHECK HAS ALREADY CLEARED THE FEDERAL RESERVE AND BANK OF AMERICA HAS THE FUNDS. 
I BELIEVE THAT BANK OF AMERICA IS IN VIOLATION OF BOTH THE SPIRIT AND LETTER OF THE LAW REGARDING DODD-FRANK AND CHECK CLEARING.
Consumer complaint received 2022-07-20
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. (NC)

It occurs that my credit report has been compromised. Again, I was going through my files & noticed these items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any information or items which were found to be opened due to identity theft. The disputed items do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these items. XXXX XXXX Balance : {$1700.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$550.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$800.00} ; XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$320.00} ; XXXX XXXX  Date of inquiry XX/XX/2020 ; XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2020 ; XXXX  Date of inquiry XX/XX/2020 XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX Date of inquiry XX/XX/2020 If you feel there is a possibility these items belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.
Consumer complaint received 2020-12-17
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: JPMORGAN CHASE & CO. (CA)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, XXXX and JPMCB AUTO FINANCE add a hard inquiries on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2019-01-04
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 tried to resolve this one late payment appearing on my credit with the company, it caused my score to fall more than 60 points. I have 3 accounts with XXXX XXXX and I was never pass 30 days late. The information says current paid as agreed however there is a late for XX/XX/XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Type : Credit Card - Revolving Terms Account Status : Open Monthly Payment : {$25.00} Date Opened : XX/XX/XXXX Balance : {$670.00} Terms : Revolving Limit : {$750.00} Past Due : {$0.00} Payment Status : Pays account as agreed Paid or paying as agreed r
Consumer complaint received 2019-09-17
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. (AR)

EQUIFAX AND XXXX  AND XXXX ARE FALSELY REPORTING XXXX XXXX US DEPT OF ED. NOXXXX. ON XX/XX/2019 THIS ACCOUNT WAS PAID IN FULL NEVER LATE AND CLOSED BY CONSUMER. SEE ATTACHED.
Consumer complaint received 2020-02-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SUNTRUST BANKS, INC. (MA)

This is a complaint against Truist/Suntrust Bank. 

I opened an account onXX/XX/XXXX it was closed on XX/XX/2020 without explanation. 

The initial letter indicated that I had initiated the closure of my own volition. This was obviously not true. I called immediately that morning and essentially got an unclear answer from a rep named XXXX. First I was told that this was due to me not funding the account, however at this point the account had been only open a week. Then when I confronted the rep with the letter she stated, she could not see it. She then contacted the back office who said my account was closed due to their terms and conditions. When asked for which specific terms none could be cited. I again asked about the letter and how me not asking to close the account could be a case of fraud. The bank refused to even investigate At this point I became suspicious. The account had been opened without issue ( no XXXX XXXX or XXXX  denial as such ) and why would there be I have never bounced a check or been delinquent on anything in my entire life. I had one letter stating I had initiated the closure and another stating I violated terms and conditions of the bank without citing what terms I had violated. This was exceptionally strange since again the account had been open a week and not funded. 

I called back after receiving the letter, and was transferred to Client Solutions  and spoke to a woman named XXXX. I brought up concerns that this closure could have been discriminatory in a nature ( given that there was no activity in the account itself and the conflicting reasons now for closure ), however she could not say with certainty this was not the case. I still have no explanation as to why the account was closed. I told her that I was going to file a CFPB complaint and she encouraged me to do so. 

I do believe Suntrust has a legal obligation to accurately report a reason for the closure. I have 2 reasons for the closure at this time - neither of which make sense.
Consumer complaint received 2021-08-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (ME)

I have had a serious problem partially caused by myself and homepoint financial, my mortgage holder. 
In the process of moving I neglected to change my direct deposit for one month. After calling and making the back payment on XX/XX/XXXX I also changed the direct withdrawal to my new account. This change to my new account was not done so homepoint tried to charge my old account. Immediately after This on XX/XX/XXXX I called to straighten it out and was told everything was fine my new payment method was set up again.

Two weeks later my account was again not charged and I was charged another late and overdraft fee. On XX/XX/XXXX I called and asked to make a payment. I was informed I could only pay via certified funds because of this mess of mistakes on their part. I told him that I travel for work and I was unable to. I was advised to pay using very expensive means such as XXXX XXXX or to apply for a deferment. Im not at all happy with homepoints treatment of me or them suggesting I fraudulently use a deferment program. I would like to be paid back for the time Ive had to deal with this, any fees I have had to pay and to be able to pay my mortgage in a way that is not such a burden. 

Dates of calls and employee ids XX/XX/XXXX XXXX. Payment made XX/XX/XXXX XXXX changed payment auto draft XX/XX/XXXX XXXX XXXX XXXX XXXX argued with them XXXX XXXX
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

The unverified accounts specified below continued to report on my credit report despite the previous sent letters, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus last XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please act in accordance to the law so that this situation can be settled quickly : XXXX XXXX XXXX Balance : {$0.00} ( XX/XX/XXXX - XX/XX/XXXX ) XXXX XXXX Balance : {$0.00} ; DOE XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ( XX/XX/XXXX - XX/XX/XXXX ) ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ( XX/XX/XXXX XXXX XX/XX/XXXX )
Consumer complaint received 2021-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (NV)

I have a closed Wells Fargo credit card account that was charged-off in XX/XX/. Wells Fargo wrote the balance off as bad debt and completed form 1099 after the account was charged-off. Since the charge-off, Wells Fargo continues to report a past due balance on the account in addition to reporting a new charge-off monthly. I feel that Wells Fargo is intentionally damaging my credit history and that my rights as a consumer are being violated.
Consumer complaint received 2019-07-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

I returned merchandise that I had purchased a few days before to XXXX  department store in XX/XX/XXXXWith the original sales recipient. at that time the money was Immediately credited back to my account. An hour later it was removed from my account. 
I contacted Santander immediately, and several times in an attempt resolve the unauthorized debt from my account. Contacted Santander and XXXX  on a three-way conversation. Ive made many attempts to get my money back. 
this matter needs to be resolved. I did not authorize XXXX  to pull {$120.00}.
Consumer complaint received 2020-09-24
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. (IL)

XXXX  and TransUnion credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine. 
XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX  XXXX  is fraudulent on my credit Account # XXXX All inquiries from XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, and XXXX
Consumer complaint received 2023-10-06
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Law Office of Michael J. Scott, PC (CA)

Continued unlicensed debt collection and harassment. XXXX is bankrupt and I'm in the process of foreclosing on them. The debt is fraudulent because XXXX commited fraud which was exposed by the collapse of XXXX and now XXXX is bankrupt. They are currently in default. I complained to the DFPI about their unlicensed debt collection activity previously. XXXX. XXXX of compliance sent me a letter acknowledging that they did not hold the required license and that I would receive no further communication from them. The XXXX said they closed the case as a result of that letter. I just received a letter from a separate debt collector who also did not have a license number. This is extreme harassment. I've had people break into my home twice as a result of the ongoing fraud that XXXX in involved in. Cease and desist. Stop contacting me. Pay me NOW! Stop making loans.
Consumer complaint received 2021-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (CA)

I was approved for a forbearance on XX/XX/XXXX due to a loss of income caused by Covid-19. My account up until then was " Paid as agreed '' and " Account in good standing '' and pursuant to the CARES Act, the credit reporting during any accommodation will reflect the status of the account before entering into the accommodation.

Shellpoint extended CARES Act credit reporting protections to all homeowners affected by COVID-19, regardless of any official loss mitigation workout plans. They informed me that my credit protections would be expiring on XX/XX/XXXX, unless I was still on a forbearance plan, in which case the protections would remain until the forbearance period expired. However, I was approved for a Streamlined Modification and made my first trial payment before the expiration of the credit reporting protections to fulfill the requirements of the modification agreement. I was approved for this Streamlined Modification on XX/XX/XXXX to bring my account current and made my First Trial Plan Payment on XX/XX/XXXX. 

Therefore according to the CARES Act, my credit reporting protections apply throughout the period of loan modification accommodation as long as I have fulfilled the requirements of the modified payment agreements and the agreement is made between the period XX/XX/XXXX and 120 days after the date of national emergency declaration for the coronavirus is terminated. 

I have attached documentation from Shellpoint showing that I was approved for a Streamlined Modification on XX/XX/XXXX and proof that I have made my first Trial Plan Payment on XX/XX/XXXX. Also I have attached documentation from Shellpoint stating that my credit protections would be expiring on XX/XX/XXXX, unless I was still currently in a forbearance plan, in which case the protections would remain until the forbearance period expired. 

Credit Protection During COVID-19 ( 4021 ) : The CARES Act requires credit reporting agency data providers, including credit unions, to report loan modifications resulting from the COVID-19 pandemic as current or as the status reported before the accommodation unless the consumer becomes current. This requirement applies throughout the period of accommodation. Loan modifications may include, but are not limited to, forbearance and modified payments. This requirement applies only to accounts for which the consumer has fulfilled requirements of the forbearance or modified payment agreements. This protection is available beginning XX/XX/XXXX, and ends 120 days after enactment, or 120 days after the date the national emergency declaration for the coronavirus is terminated, whichever occurs later.
Consumer complaint received 2023-10-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (AZ)

This has been an ongoing issue with Synchrony bank. 
1. They overcharged me in interest.

2. They told me they would correct this., they did NOT.

3. The original products were defective.

4.They told me they would discount the product. They didnt.

5. Now theyre trying to ruin my credit on something that should have been resolved months ago.

6. I emailed them an offer to just settle the account and be done with it. No response.

So now Im sitting here with sub par products that were overpriced to begin with and never worked properly. Theyre also trying to ruin my credit.

Needless to say I will NEVER do business with them again and I was a good customer of theirs until this happened and I had to file several complaints without satisfaction. 
Im fighting a XXXX XXXX  and dont need this XXXX. 
Not only was I receiving harassing phone calls from synchrony now Im getting calls from their partners in crime collection agency as seen in the attached screenshot. There seems to be multiple accounts. I have no idea why.