davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

I was told beforehand that the funds would be available if I requested it and informed them when I made a deposit. 
I was on the phone with the woman while making a XXXX deposit to my XXXX  account with a money order for {$440.00}. 
I believe this is a bait and switch scheme Ive been a victim of. I have been studying this for a while, I can now tell in memory that there was no intention of making the fund available. 

I have a call recording of the whole thing. The representative XXXX the whole time making me believe this is a legit thing they can do and will do. 

This is a lie and unfair tactics, and I need my funds available now, or the XXXX  order made available immediately so I can put them in a bank that will honor the promises theyve made and not use bait and switch tactics. 

Plus, I need a {$150.00} inconvenience and damage fee as well. {$590.00} total. 

Thank you.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Remove this fraud account from my credit report because I reach out numerous times that this account doesnt belong to me you report the information is verify by the creditor but when I ask the creditor for proof they dont have any proof I sign any papers or my identity this account is open fraudulent upstart network inc and I have the right to a fair and accurate credit report and this information and account is not fair and accurate 1681 permissible purpose they never receive any written consent from me to publish or report anything on my credit report they can not send any proof of that just some information that was open online by someone else
Consumer complaint received 2022-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

There is an inaccurate account listed on my credit report that I have requested documentation for multiple times but I have failed to receive documents via mail/fax/e-mail. 

The amount the account was placed into what appears to be a Debt Collection Agency titled " XXXX '' with account # XXXX was opened in the amount of {$120.00} on XX/XX/XXXX. The account in reference has been in collections since XX/XX/XXXX in a state which I have not resided in since XXXX. 

I have failed to receive any type of documentation from the credit reporting agency as well as the creditor/original creditors in regards to the validation of this debt. I request a formal investigation into this matter and documentation mailed to me showing the original account opening including photocopies of driver 's license at the time of opening, signatures, and other vital information required to open an account.
Consumer complaint received 2016-05-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have repeatedly disputed issues with my credit bureau reports ( XXXX, Transunion, and XXXX ) and have had a Fraud Alert placed on my credit as well, i.e inquiries, credit accounts, broken lease, name changes, address changes, accounts that were deleted and placed back on my credit, as well as the statue of limitations exceeded on several accounts. This is ruining my life. I have submitted numerous disputes to all three agencies and my credit now is ruined. I am aware of things that should have been on my credit, i.e XXXX property that I moved out of in my last month due to my health, but how could I have lived there and lived at another residence as well. I have submitted information to the credit reporting agencies numerous times. I am unsure what to do at this point. I have been disputing this for some time.
Consumer complaint received 2024-03-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (GA)

Here are the details and what I kindly request : 1. Debt Validation Needed : I've yet to receive comprehensive validation for the alleged debt, as required under 12 CFR 1006.34 ( b ) ( 5 ). Understanding the specifics of this debt is crucial for me, including the amount and any documentation linking it directly to me.

2. Documentation on Debt Ownership : Could you please provide the purchase agreement between your agency and the original creditor? This request is based on my right to see proof of your authority to collect this debt, ensuring transparency and compliance with legal standards. 
3. Proof of Licensing and Bonding : In the spirit of due diligence, I ask for evidence of your agency 's licensing and bonding to operate within my state. This requirement, aiming to protect consumers, aligns with general legal expectations for debt collection practices. 
4. Missed Opportunity to Dispute : Addressing a critical issue, it's concerning that I was never provided the opportunity to dispute the alleged debt, as protected under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This gap in the process has significantly hindered my ability to ensure the accuracy and fairness in the handling of this debt. The Fair Debt Collection Practices Act ( FDCPA ), as specified in 15 U.S.C. 1692g ( a ), mandates the delivery of such notice. This is essential for providing consumers the chance to dispute or verify the claimed debt. The lack of any formal notification, substantiated by the absence of a certified mail receipt as proof of my informed status, starkly removes verifiable evidence that I was notified about this debt. This absence not only deprives me of my federal right to dispute but also places me at a disadvantage in safeguarding the integrity of my credit report. Given these circumstances, I kindly request that your agency provide me with proof of the certified letter purportedly sent as notification of this debt. This documentation is crucial for verifying that my rights under federal law were respected and that I was indeed given a fair opportunity to dispute the debt in question. 
5. Concerns Over Credit Reporting : The presence of this collection on my credit report, without proper validation or the chance to dispute, raises serious concerns. Reporting such unverified debt contradicts the principles set by 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ), which guide accurate and fair debt reporting.
Consumer complaint received 2020-10-19
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CNG FINANCIAL CORPORATION (TX)

The company Dispute Resolutions contacted me as well as my family telling me that I was going to get sent to court and the debt I had from Check n Go from 7 years ago that was less than {$250.00} was being sued on me for defrauding a financial institution, and numerous other charges and if I didnt take care of it then, I could be taken to court. I cant afford that. I set up a {$50.00} payment plan that did not go through and I spoke with the gentleman again to ask questions and he began yelling at me calling me names. Now another man is contacting my family and I called asking them to stop contacting my family and he threatened to serve me with papers. I called that number about trying to get the calls to stop and all they did was yell at me and call me a XXXX  XXXX and told me that the number I called was apparently a mistake. When I asked who XXXX XXXX was ( the person who left the message with my family ) He said I was a coffee and donuts XXXX like the president said and the reason they are calling my family is to find me. I said scammers make threats and insult and yell at people. He asked if I wanted to come have coffee and donuts and then said no Id be too XXXX  to do that. He called me a low IQ person. I asked for their address and he hung up. Its scary. That callback number was XXXX
Consumer complaint received 2016-09-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

I applied for a modification from HSBC because my rate is at 5 % and owe {$490000.00}. 
Unfortunately, the value of my property is {$350000.00} so I can not refinance. I am going through hardship because my income has been declined and my situation has changed. I now have childcare expenses. After 9 months of back and forth with HSBC through XXXX they asked me for the property back or short sale. My income is over {$100000.00} and they were not willing to work with me in any way.
Consumer complaint received 2015-03-23
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

XXXX/XXXX/2015 I received a unknown call on my cell phone with a message left with a threat of a law suit from a law department ; the person calling did not leave there name or what law department they were calling from just the I needed to call Portfolio Recovery. The message stated I must call today to discuss or a lawsuit would be filed and delivered to my home or work between XXXX and XXXX on XXXX/XXXX/2015. I have not spoken to anyone as I received some strong messages from individuals in XXXX, XXXX, and XXXX leaving messages that warrant would be issued ... the message did not say by whom or for what ... just that I needed to call. The numbers were unknown and the tones of the individual leaving the messages were very strong and threatening like a scammer to take you information and steal your identity. I am very nerves as and scared to go to outside to my car or work.
Consumer complaint received 2017-05-23
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ALLY FINANCIAL INC. (FL)

i contacted Ally Financial to get information on the payoff and release of title once it 's been paid off to be sure that I would not have any issues shipping the Vehicle to  XXXX   XXXX  since I am moving on  XXXX   XXXX   XXXX  the vehicle needed to be registered with the port to be ready for Transport on  XXXX / XXXX /  XXXX  . The customer representative assured me there would be no issue because the titles are electronic. I paid the vehicle off and the money left my account on  XXXX / XXXX /  XXXX  . I went to motor vehicle and they advised me I still did not own the vehicle that there was still a lien on it. So i contacted Ally and they decided to then advise me that the lien would be there till  XXXX / XXXX /  XXXX  . That would be a Sunday so I would have to give motor vehicle  XXXX  to  XXXX  hrs to be able to give me the title for a vehicle to which they have already been paid. They also had the audacity to tell me I technically did n't own the vehicle even though they received the payoff for this vehicle. So I handed a financial institution over  XXXX   XXXX  dollars and they decide when I will legally own the vehicle which is everything I was trying to avoid seeing as I am in the middle of a large move with  XXXX  young kids. I may even have to pay to change all the plane tickets then pay extra for the hotel i am staying at and also change the closing date of the home we are purchasing in  XXXX   XXXX  all due t o Ally Financial n ot wanting to release the lean on the vehicle that I paid them. I could have easily voluntarily given them the vehicle and paid for another mini van cash and have no issues but that would have affected my credit negatively, even though this option would have probably cost me less and been less hassle. No matter how many questions are asked, I feel that no one would have told me the exact details just to get their money. No one should have to go through any of this and I feel like if I ever purchase another vehicle in the future this would be a question i would need to ask the bank although I may not get a straight answer. Customer service reps as well as sales agents should be required by law to describe such fine details as to prevent such things from happening and stronger laws should be in place to protect things as such from happening. No matter whom I spoke with at  Ally Financial n o one was even willing to show proof of title release or that I even paid the full amount. Not to mention when I log in online it shows I need to make a payment in  XXXX , even thought the balance is zero.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

these compaines ran my credit with out my permission and hard inquiries arn now on my credit report. 

on XXXX XXXX  XXXX XXXX XXXX XXXX 
on XXXX XXXXXXXX XXXX  XXXX XXXX on XXXX XXXX XXXX XXXX XXXXXXXX XXXX on XXXX XXXX XXXX XXXX on XX/XX/2024 XXXX on XX/XX/2024 XXXX XXXX on XX/XX/2024 XXXX XXXX on XX/XX/2024 XXXX XXXX on XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXn XX/XX/202XXXX XXXX XXXX XXXX 
on XX/XX/2024 XXXX XXXX
Consumer complaint received 2022-02-13
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: EQUIFAX, INC. (CA)

I need you to investigate the following accounts you claim to be accurate on my credit file XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Please show me detail documentation including an application signed by me otherwise delete this unverifiable inquiry from my credit file. 

After you finish my request, send me an updated report Thank you, XXXX XXXX
Consumer complaint received 2015-05-01
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL (CA)

I was XXXX of Synchrony Bank 's victims in the recent class action lawsuit. In XXXX 2015, Synchrony credited my account with respect to the terms of the class action suit. I was left with a small outstanding balance. I called Synchrony to determine the exact payoff amount ( {$38.00} ), and paid it the same day, leaving me with a zero balance. 

On XXXX XXXX, 2015, Synchrony made an unauthorized debit from my bank account ( XXXX XXXX ) of {$11.00}. I called Synchrony yesterday to determine what had happened and to get them to return my money. They refused. 

Despite having lost the class action lawsuit, Synchrony is continuing to defraud their customers.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAINE & WEINER COMPANY, INC. (FL)

On XX/XX/XXXX I sent credit reporting agencies and collections companies Identity Theft Report, informing that I am a victim of identity theft and the alleged accounts. This is not misrepresentation I am victim of Identity theft. I further explained this is not a mistake or sent in error. The items found without my credit report I listed are not related to any transactions that I made. I am alleging that a person or company- without my authorization or consent - used my personal identifying information to apply for good, services, or money, and, was successful in creating some accounts. I instructed that I would like to have those accounts blocked and removed expeditiously. CAINE WEINER, I.C. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Explained the alleged debt is not mines and if they do please provided a prompt reponse or proof under penalty of perjury you were present during the opening of these debts. I have not received reponse yet. So I am demanding these account be removed.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

I want to emphasize that I have no connection with these creditors, and I did not initiate this inquiry on my credit report. I urgently urge you to promptly remove it without any further delay. I also request a thorough investigation into this matter and swift correction of the error by removing the unauthorized inquiry from my credit report.
Consumer complaint received 2022-09-05
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: WELLS FARGO & COMPANY (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : WF/DILLARD XXXX Date opened XX/XX/2014 Balance : XXXX
Consumer complaint received 2017-05-23
Product: Mortgage — FHA mortgage
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: U.S. BANCORP (WI)

in referenc e to [ Case nu mber :  XXXX   ] US Bank Home  Mortgage response, they sent home loan history but they shrunk the font so small it 's unreadable from start of loan  XXXX  through  XXXX . Then they increased font to a readable font size when they sent  XXXX , but they did not include loan information up to date of all payments before and during chapter  XXXX  showing every payment applied from consumer and court deducting every amount and showing principal balance after each payment applied.     Also, we are paying a mortgage loan to  US Bank Home Mortgage and they are refusing to report our mortgage payments to the credit bureau, therefore we can not get a accurate credit report showing payments to a financial institution, such as US Bank Home Mortgage for loan information.
Consumer complaint received 2017-04-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: TD BANK US HOLDING COMPANY (ME)

I 'm writing on behalf of my  XXXX  brother and his wife who is also  XXXX .   They took out a home equity loan  from TD Bank for {$55000.00} but somehow the bank rep managed to wire an additional $ 40k into their account. They never used the money and at some point the $ 40k was removed from their account, yet TD Bank is insisting and threatening foreclosure, saying their loan was for $ 95k when they only received and used the $ 55k. They were informed the rep was relieved of her position, but would n't release her name, yet still insist on the $ 95k. They have made numerous attempts and threats to foreclose. My   brother recently went into a TD branch and asked them for an extension. He was given a week to get caught up on payment ( by this coming Wednesda y ) or they would send a sheriff to evict them. I wired them the necessary money today but I do n't have the money to hire an attorney and get this mess straightened out. Two  older  XXXX  people with numerous health problems should not be consistently harassed and afraid of being thrown out of their home because of a  major error TD Bank made.
Consumer complaint received 2017-02-12
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Merchants' Credit Guide Company (IL)

Checked my credit report, around XXXX XXXX, 2016, and noticed Merchants Credit Guide reporting a negative collection account. I immediately disputed it with all XXXX major credit bureaus and also mailed Merchants Credit Guide two letters to either verify or delete this account from my credit report. I still have not received any response to my second letter which I sent by USPS registered mail with return receipt and will be attaching all documents that I sent them and the proof of delivery.
Consumer complaint received 2017-02-18
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL (NC)

Has been next to impossible to view one 's current billing statement on line. Now, can not get it at all. Even before, had to roam all over walmart.com to get it. This prevents one from being able to ascertain any fraudulent activity at the earliest point. At this juncture, Walmart and Synchrony are about to " cut off their nose to spite their face '', because at least this account, I wo n't use and they can lose opportunity income.
Consumer complaint received 2017-03-09
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Law Office of Michael J. Scott, PC (TX)

On XX/XX/2017 I send a certified latter of " Validation of Debt '' to Scott & Associates PC XXXX Texas XXXX XXXX : File No XXXX.They have not send me the documents I requested within 30 days. following are the documents I requested : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. 

Moreover.I informed that there claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents
Consumer complaint received 2022-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have previously submitted a complaint the CFPB stating that my dispute sent to the three bureaus on XX/XX/2022 was ignored and no response was given within the 30 days required to respond. Per the FCRA, if there is no response within 30 days, the disputed information must be removed. I did NOT receive a response within 30 days of sending my dispute!!