davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-10
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. (NC)

XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, NC, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, Indiana XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX. XXXX. NC XXXX. XXXX XXXX To Whom It May Concern : This letter is regarding XXXXXXXX XXXX XXXX an unaware and unauthorized collections on my credit reports on all three bureaus which you claim I owe $ XXXX is a formal notice that your claim is disputed, this is not mines. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX TransUnion and XXXX  XXXX from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue.

I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of 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 )
Consumer complaint received 2018-06-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I used have checking and savings accounts with Bank of America for 5 years.The bank closed my account reported to XXXX XXXX and XXXX on last XXXX.When I have contacted them they say its a check fraud and which wasnt done by me.I didnt deposit that check, I lost that check book and other cards.As I have attached in previous complaint the bank which validated the ID theft on my name is Bank of America. 
I want the bank to set me free from the reports and wants to remove negative information under my name.I dont want to make a claim at bank because I dont trust them any more since after 5 years of business with them they harassed me like this.
Consumer complaint received 2022-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (FL)

On XX/XX/2021, my citi credit card was charged for {$2100.00} by a merchant named XXXX XXXX in XXXX XXXX XXXX, XXXX. I was in XXXX, XXXX. I tried to purchase a XXXX  XXXX  and was told it was rejected by Citi and used a different card to purchase a {$200.00} XXXX. I contact citi? 2 days after I received the charge and filed a fraud transaction. Citi has since denied fraud and did a disputed claim. I received a letter dated XXXX denying this claim. I received no physical evidence of this transaction. I never received any service or product from the company l. I have a witness also.
Consumer complaint received 2021-07-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (OH)

Experian has it documented that I opened this account in 2019. Absolutely false! I never initiated an account in 2019! After my bankruptcy I knew I couldnt get credit anywhere! I wish these credit reporting agencies STOP REPORTING FALSE INACCURATE information to keep scores low! 

I was never in contact with said debtor ANY time in 2019! I had absolutely NO credit in 2019 nor did I apply for ANY credit in 2019! I have screenshots to what Experian has posted and WISH they would QUIT CHANGING DATES on accounts I did NOT SIGN on said dates!!! That is ILLEGAL that is a total violation of my fair credit reporting! 

That is NOT my account I never initiated an account with a XXXX XXXX XXXX at no time in 2019! 

Experian just reports and post anything in attempts to hurt scores and reports! 

What ever account you have, its the wrong account because I was never in contact with the debtor in 2019!
Consumer complaint received 2021-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (TX)

I opened a credit card with apple. Shortly after making a donation to winred via Apple Pay which uses my Apple Card they blocked the card. The company refuses to help me unblock the card they are also refusing to give any guidance as to why or fix it. They are trying to ruin my credit for donating to an opposing political party as a war vet I find this absolutely disgusting. I have contacted XXXX XXXX by email to help motivate his team to do the right thing and yet the customer service is continuously classless.
Consumer complaint received 2021-07-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

Please reopen my complaint # XXXX to include my reply to SLS : SLS response is unacceptable and irresponsible. They are continually repeating a long drawn out response about what the record shown instead of identifying their errors and correction it. My mortgage statement shows SLS purchased insurance on my behalf on XX/XX/XXXX for the insurance lapse period in the amount of {$130.00}. My mortgage statement also shows that on XX/XX/XXXX, they received my repayment in the amount of {$130.00} which they misapplied by entering it into a suspense account. My statement further shows that on XX/XX/XXXX, {$130.00} was removed from that suspense account and applied as Additional Principal Payment. No one is stating these errors and misapplication of my payment. It has been totally ignored. For two years I have been given numerous assurances that the problem has been fixed, but every month since then, it has Not. This problem has led to numerous erroneous fees that I am not responsible for. What would it take for SLS to admit and correct their errors. Please, I need help.
Consumer complaint received 2020-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (OH)

I made a purchase in XXXX of 2019 of {$20000.00}. This came out of my Home Equity Line of credit from my account at XXXX XXXX. It was marked as paid with my American Express Credit card. Then in XXXX of 2019 my Home Equity line of Credit was charged another {$20000.00}. I question XXXX  and XXXX   asked the money be returned to my account. The money was returned. My American Express Card was charged {$20000.00}. I did not charge another {$20000.00}. American Express says there charged me because the XXXX took the money back. I went to the bank and found that the same check that was charged for the {$20000.00} in XXXX was again charge in XXXX. I have copy 's of the same check American Express use both times and the second the the check was used there are mark indication it is a copy. I have contacted American Express on numerous occasions never getting the same persons and they just reopen another investigation. I have automatic deduction from my American Express card. I get notices that I am overdrawn. This is hurting my Credit Score. American Express has not helped me with this.
Consumer complaint received 2018-02-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I am a victim of Identity Theft. Recently, some company deposited 2 wire transfer checks into my checking account. I did not authorize or know anything about them. My financial institution closed my accounts and refused to let me open new accounts. This happened on or around XX/XX/2018. I do not know the exact amounts of the wire transfers. Perhaps around {$900.00} or so each time. I called my local police and spoke with an officer, explained I was a victim of Identity Theft. I have a Police report. My direct deposits to these accounts were denied as the bank closed my accounts and denied me new ones. This was no fault of mine! I was treated like the criminal by the Bank, instead of the other way around. Especially by the Personal Banker at my branch. 
I have been an Identity Theft victim for over 1 year. I am losing everything I own and my credit is atrocious because of this. No one will help me!
Consumer complaint received 2018-06-07
Product: Vehicle loan or lease — Lease
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: General Motors Financial Company, Inc. (CA)

I have tried to pay the lease amount for the month of XX/XX/2018 but there was GM website error that showed XXXX $ due that let me to understand that there still time to  pay. 

Also GM Financial did not report to credit bureau every month due to some convergence issues. I have been monitoring my creit report every month for past 6 months and this did not show up. I also did not get a curtesy call from GM that my payment was late. 


Considering all these issues, I request GM Financials to help remove the latepayment as a onetime curtesy due to these errors
Consumer complaint received 2021-07-03
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: EQUIFAX, INC. (AL)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2018-06-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Harley Davidson Financial Services Inc (IL)

The company identified above only provided a response in request to the application of the payments. The premise of the complaint was based on the partial application of the monthly payments as the company was taking money that was meant to be fully applied to the outstanding P & I and applying partial of it to late charges every month therefore reducing the amount being applied to the past due P & I. Late can be satisfied upon maturity of the loan so it does not hinder the myself, the consumer 's ability to catch up on past due P & I. Why would a financial institution be allowed to satisfy their late payments before I can satisfy my past due P & I. IE. I I pay {$200.00} towards past due P & I and they only apply {$170.00} to past due P & I and the remaining to their late fee. This does not sound consumer friendly. Per the CFPB Loan Servicing guidelines. you can not pull late fees from a monthly payment to satisfy any fees incurred prior to satisfying past due payments. Which is therefor reducing the amount of monies being provided to catch up any past due payments. If you look at the application of late fees and total the amount they have reduced trying to catch up monthly it would drastically reduce the amount past due and would allow me to bring my loan current. Fees as high as {$55.00} were deducted from my monthly payments when trying to catch up and this has been happening on a monthly basis for more than 6 months now. The company has flat outright lied to you as the original breakdown we previously requested identified nothing that was provided by the compliance manager in the previous complaint. I am wishing for the reversal of late fees and those to be applied to the monthly outstanding balance to reduce the delinquent amount owed so I can satisfy and bring current. I am also requesting copies of all correspondence prior to this complaint to be upload in the system. This letter should be dated for the month of XXXX.
Consumer complaint received 2018-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Synovus Bank (FL)

I filed a Dispute with Synovus Support concerning three ( 3 ) fraudlent transactions. I had been asked for proof concerning one ( 1 ) of the transactions. ONLY one of the three ( 3 ) transactions. I then provided that requested proof. 


On the XXXX I called Synovous Support and learned that they had taken funds from my account claiming they denied one of the other two transactions because the original rep made a misatke and ALSO listed that item as though I had needed to send in proof for it even though the rep had NEVER asked me to! 

The disrespectul phone rep I first spoke to on the XXXX kept dodging and ignoring me EVERY time I stated this made NO SENSE and that it was an error. She kept simply repeating " You will need to submit the proof you were required to '' and " but it is unlikely the dispute will be reoppened anyway. ". 

That was INSANE! 

She kept ignoring me and repeating the above like a broken record until I asked for a Supervisor. 

She then simply hanged up on me! 

No repsect what-so-ever. 

It is not my fault that the original rep made a mistake, and I did not deserve this treatment from Synovus ; 's rude staff! 

It is clear they have no interest in even admiting their staff 's mistake, even less addressing and correcting it!
Consumer complaint received 2021-07-03
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc. (IL)

Letter was sent to the credit bureaus and the collection agency on XX/XX/2021 asking to verify the debt ... Letter sent on XX/XX/2021 to the credit bureaus and collection agency asking to verify the debt. Letter sent on XX/XX/2021 to the collection company asking to Cease and Desist. After this I notice the collection agency and bureaus report that all was verified and updated, but I have not received any documents or statements showing me how or why this is verified or how this is my debt. I have not received any correspondence showing me this is my debt or how this debt was verified from neither party, but yet, my credit reports were updated with information.
Consumer complaint received 2018-06-07
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC (TX)

I had a vehicle loan from XXXX XXXX XXXX. The vehicle was involved in a flood. The vehicle was totaled by the insurance company. I was fully covered including GAP insurance. The GAP insurance paid the loan in total. XXXX placed two late payments on my credit report. I have disputed with the company and through the major credit bureaus. I have been unable to have the information removed. I never had any late payments on this vehicle.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

i reviewed my consumer reports and noticed that i had one late payment on a account that i was never late for the consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy i have never been late on payments for this account i have included screenshots inside this complaint in or on dates of Mo XX/XX/2023 please investigate and provide proof with statements showing this payment was late if proof cant be provided i demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. thanks please see screenshot attached
Consumer complaint received 2020-07-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

The following account is an result of fraud. XXXX XXXX XXXX   {$1100.00} XX/XX/2016 I have no knowledge of this account. I have tried to fix this with the company in question XXXX XXXX XXXX.
Consumer complaint received 2018-06-07
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. (OH)

sent several letters certified to credit bureaus and creditors regarding inquiries on credit report, asking for verification and proof that they were requested by myself. None has been given but credit reporting agencies keep stating that they are verified. 

Including the most recent letters below, I have copies of letters and certified cards where they signed for the letters, also sent to creditors.
Consumer complaint received 2018-06-07
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: Innovate Managed Holdings, LLC (NC)

I TRIED CALLING BOTH XXXX XXXX XXXX AND XXXX XXXX TO LET THEM KNOW I HAVE NO KNOWLEDGE OF THIS ACCOUNT AND THAT I WAS A VICTIM OF IDENTITY THEFT BUT THEY DISREGARDED THAT CONCERN. IVE NEVER HAD A CAR LOAN BEFORE SO THERE IS NO WAY THIS COULD BE MINE. I NEED THIS REMOVED AS SOON AS POSSIBLE. THIS IS NOT MY DEBT.
Consumer complaint received 2022-09-09
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. (DE)

In accordance with FAIR CREDIT REPORTING ACT XXXX account # ending XXXX from XXXX XXXX XXXXXXXX BANK 15 U.S.C 1681 section 602A states I have the right to privacy.

15 U.S.C 1681 604 A section 2 It also states that a consumer reporting agency can not furnish my account without my written instructions.
Consumer complaint received 2021-07-10
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. (CA)

Contacted TransUnion to file a dispute on a collections agency that is fraud. TransUnion called back, but the call sounded fraud as the person asked for personal information and then hung up.
Consumer complaint received 2022-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

XX/XX/XXXX {$1200.00} Amount charged for goods never delivered. 
Disputed the charges capital one on XX/XX/XXXX capital one sided with Merchant.
Consumer complaint received 2022-09-09
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: Velocity Portfolio Group (GA)

In accordance with the Fair Credit act CKS PRIME INVESTMENTS , LLC Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a 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.
Consumer complaint received 2018-06-07
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. (VA)

My credit score went down from XXXX  to XXXX. In a day. When I contacted equifax for an explanation they could not give me one. They said that nothing had changed on my report to warrant the big drop. I spoke with a supervisor as well. He also could not advise me on what happen or why. He saw no reason however he stated that they could not fix it. That they are not the ones who handle credit scores. I also submitted a dispute for something on my report that had already been deleted off other credit bureau reports back in XX/XX/2017. I asked for papers with my signature on them as per the FCRA. Those were never supplied to me. Per the FCRA if they can not supply me with the info I requested within the 30 day time from then the things that I disputed have to be removed by law. They did not follow the law as required. This is equifax, XXXX and XXXX. 
They are not following the laws they are supposed to be. They do not understand that not doing their job correctly affects peoples lives in a terrible manner. Some people like me I can not even get a place to live now.