davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF THE WEST (CA)

This is an issue with the bank of the west. I have business account with them. 
I made a deposit of {$5600.00} check on XX/XX/2020. There was no hold placed on the deposit. The funds were available the next morning on XX/XX/2020. 
As funds were available, I issued 2-3 checks but then by mid day, the bank put a hold on this deposit. I called my branch to find out what happened. They said it was their back office that placed hold. They were suspecting an early warning on insufficient funds from the other bank. 
In the process, I incurred 3 NSF fees as the checks I issued were bounced. 
I have talked to my branch 6 times already about why was the hold placed if funds were collected. Today, its been a week and funds are still not released. The check maker states that funds were drawn out of their bank the same night I made the deposit to my bank. 
I have called the telephone banking of bank of the west but they couldnt do anything about the hold. The notice I received in the mail doesnt state any date the hold will be released. This is misleading to the consumer ( me ) and in the consequence I have suffered penalties, bad reputation and stress.
Consumer complaint received 2020-01-23
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: Experian Information Solutions Inc. (FL)

XXXX XXXX has been told that this 5othe XXXX   XXXX on XXXX XXXX in XXXX XXXX Fl the money was given to a teller named XXXX. This debt was paid in full this is the last change to remove this from my credit reports before I sue the reporting companies and XXXX XXXX
Consumer complaint received 2020-11-21
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. (IL)

I SENT ALL NESSASARY DOCUMENTS EXPERIAN REMOVED ALL THESS INACCURATE ITEMS OFF REPORT EQUIFAX AND XXXX  STILL SHOWING THESSE ITEMS
Consumer complaint received 2020-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (TN)

I have called Mr. Cooper numerous times every day since after XXXX to get them to report to the credit bureau a 30 day late payment from XX/XX/XXXX and also that my account was paid off on XX/XX/XXXX in order to proceed with a new loan. All my new lender needs is a leader head with Mr. Cooper on it, my name, account number, and stating that I was 30 days late in XX/XX/XXXX and loan was paid off in XX/XX/XXXX. Mr. Cooper has refused to deliver that document. I need this expedited because we will be homeless after XX/XX/XXXX if this loan doesnt go through. 2 representatives at Mr Cooper said they would send the letter I needed, but I haven't received anything. Also had a representative from XXXX 3way call myself and Mr.cooper yesterday XX/XX/XXXX to satisfy their criteria, however, XXXX   doesn't do 3 way calls, so my family and myself are at the mercy of Mr.cooper and getting nowhere. I would like help to force them to report to the credit bureau or give me that specific letter. Also found out Mr.cooper hase n't reported anything since XX/XX/XXXX. Very nerve racking. Aweful customer service for 5 years now and not accommodating at all. I will tell everyone I know to run from Mr.cooper. Thank you
Consumer complaint received 2018-02-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST CITIZENS BANCSHARES, INC. (GA)

We financed our home with First Citizens Bank ( then XXXX   XXXX XXXX ) in XXXX. We originally signed a 20 year loan that would balloon every five years. We have been notified of time to renew and completed the process seamlessly until now. I paid my XXXX and XXXX mortgage payment at the local branch XXXX XXXX, GA ) and no one there mentioned that the loan had matured and was time to renew. We also received no letters or other types of correspondence from the bank. It was only after I got a letter in the mail in XXXX that stated we could possibly go to foreclosure that I called the bank to inquire as to why since we haven't missed a payment. I spoke with XXXX XXXX ( the branch manager at XXXX ) on XX/XX/XXXX. I was then told the loan was up for renewal in XXXX. Now in-spite of NOT missing payments and reaching out to the bank myself instead of them to me, we have been sent to the loss mitigation department where they will not guarantee a renewal of the loan. I spoke with XXXX at the XXXX, GA office several times this week ( the most current being yesterday XX/XX/XXXX ). She is the one who informed me of loss mitigation and fwd me an email in regard to what was needed to try to keep our home. It is also reporting to the credit bureaus that we are late on XXXX and XXXX payment. First Citizens really dropped the ball on communication with this and are now threatening to take our home and hurting our credit more in the process. We haven't defaulted in any way other than to not renew on time when we were not even aware it was time to renew. I called again today and spoke with XXXX in the loss mitigation department and she informed me they can't guarantee they will approve us to keep our home or renew the current loan and it's " different now ''. I explained we had no idea about the renewal time and received no information on it. She basically informed me it doesn't matter, it's too late.
Consumer complaint received 2018-02-06
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. (TX)

A Collection company is trying to collect from me. The document that they are using against me and as evidence has a signature that is clearly NOT my signature. Thank you
Consumer complaint received 2022-01-11
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: LEXISNEXIS (FL)

I CONSUMER, XXXX am submitting a complaint against company XXXX XXXX for violation of federally protected law codes 15 USC 1681 ( a ) ( 4 ) " infringed Upon a Consumer 's right to privacy '' and 15 USC 1681b ( a ) ( 2 ) " No permissible purpose/No written instruction. On the XXXX of XX/XX/2021 I wrote a letter to the company in regards to those violation in an Affidavit of Truth, the USPS tracking showed that the Affidavit of Truth was received by the company on the XXXX of XXXX in the morning. The company has not responded and now it has been over 40 days since they received the letter. The company in violation of the two listed codes and I intend to file suit in federal court if this does not get settled as soon as possible. The company did not have a permissible purpose nor did they have my written instruction. This company 's action is causing damages to my character, as a consumer I will be seeking maximum allowed remedy.
Consumer complaint received 2021-05-05
Product: Mortgage — FHA mortgage
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 (MA)

I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
Consumer complaint received 2020-01-23
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (MA)

Who is TJX? Why is this still on my credit report and not remove completely? I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this creditor named on my credit report. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2018-02-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: First Federal Credit Control, Inc. (OH)

First Federal Control shows up on my XXXX credit report several times as my owing them funds that was discharged in a chapter XXXX bankruptcy. 
Please see that they also show up as unknown just to report to the credit bureau, XXXX, to make my life horrible. 

Section 609 of the CFRA states that the only debts that should be reporting on my credit report are those that have been accurately verified. 

They should not be showing up at all as this debt was dismissed via a chapter XXXX bankruptcy back in XX/XX/2015. 

Also these are unverified debts which have also exceeded the statutes of limitations for the state of Ohio.
Consumer complaint received 2021-11-08
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 have disputed this information multiple times. I want this removed immediately. Pursuant to 15 usc 1681i ( A ) the federal law says when an investigation is going this account should have been removed and it never was. Also according to 15 usc 1681 ( a ) ( e ) investigate consumer report says should be personal interviews done and I have not received any of that information. They didnt do that.
Consumer complaint received 2020-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX   XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FC HoldCo LLC (MD)

On XX/XX/XXXX. I called flagship credit to make a payment and discuss an Adjustment of late charges and other charges that was arbitrarily added to my account on XX/XX/XXXX and XX/XX/XXXX. I spoke to a CR Rep who advised that the adjustment was for the life of the loan but they couldnt give me any specific dates or send me an activity history show which dates those adjustment were mad. Im paying this loan off this year XXXX and out of no where they add XXXX and a separate XXXX to my loan. Why now. And why did I never see anything I writing.
Consumer complaint received 2018-02-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (DE)

I opened a TD premier checking account back in XX/XX/2017. I completed all the required actions for qualifying the account opening bonus ( {$300.00} ) as required on time, but have not received the bonus since then. 

Over the course of past one year, I have done everything I could possibly do to resolve the issue with the TD bank. I contacted either the branch, TD phone agent, or online secured message center almost every week. However, till today, I have not received my deserved bonus ( {$300.00} ) yet. TD has been forever kicking me back and forth even though they know the issue but just don't want to face and fix it. As a single customer, I feel so helpless and hopeless to confront such an arrogant giant company. 

I am now so exhausted and have to turn to you for help. Thank you so much for your attention and kind help! I highly appreciate it.
Consumer complaint received 2021-01-29
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. (VA)

I filed a dispute about the inaccurate and fraudulent accounts on my credit report with this company and it's been well over 30 days and I havent received any investigation results.
Consumer complaint received 2021-08-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (NC)

Credence Resource Management has violated my rights pursuant to 15 usc 1692 ( b ) ( 2 ) ( 3 ) and 15 usc 1692c ( a ) ( b ). Credence Resource Management was not present for the initial contract between myself, and XXXX XXXX/ XXXX XXXX therefor Credence is in direct violation of my rights by contacting about this alleged debt. Credence Resource management has contacted me via phone daily in connection with this alleged debt, which is violation of 15 usc 1692d due to the fact I never gave Credence Resource Management consent to contact me about anything. Credence Resource Management furnished deceptive/negative forms and reported them on my credit reports, this has been very detrimental to my reputation as a consumer which is a violation of my rights pursuant to 15 usc 1692j ( a ).
Consumer complaint received 2021-11-08
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. (CA)

In XXXX ofXX/XX/XXXX, I cosigned on a car lease with my estranged husband, with him as primary and myself as secondary. Later the following year we filed for the divorce and he defaulted on the XXXX lease. As a result, I was forced to temporally pick up the payments and the lease was in good standing until the courts were able to intervene and force my ex-husband to agree to surrender the car and take on FULL financial responsibility for the arrears, including the late payments. After the courts assigned responsibility of the lease/debt, including the late payments, to my ex-husband I had notified XXXX XXXX and provided them the information hey had requested. 

Despite this and being able to substantiate legal responsibility as assigned by the courts, XXXX XXXX failed to rectify the issue and continued to report on my credit report, including the late payments that were assigned to my ex-husband during the divorce proceedings. XXXX XXXX also listed my ex-husband on my new vehicle as an authorized person, despite him not being listed on the sales agreement or credit application. The was a blatant violation of my privacy. It also exposed me and compromised the restraining order that I had in place against my ex-husband at the time. Of course, XXXX negligence in doing this provided my ex-husband temporary access to my account until we were able to correct the issue. XXXX not only continues to incorrectly report late payments ( that my ex-husband was legally responsible for ) to my credit report, but have also added my ex-husband 's current address ( where I have never stepped foot in, let alone lived in ) to my credit report as one my previous residences. I am asking that in light of the aforementioned, that both late payments and incorrect address be immediately removed from all 3 credit reporting agencies. I also recently paid off another lease that was in good standing through the duration of the loan. XXXX failed to report that the financial obligation was met and in good standing to the 3 reporting agencies. 

Thank you.
Consumer complaint received 2020-06-03
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. (GA)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-12
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: Experian Information Solutions Inc. (GA)

My name is XXXX XXXX, and I am personally submitting this request to correct the error on my Credit Reports. I declare Under 15 US Code 1681a ( 4 ) as a consumer I have right to privacy and this bankruptcy must be deleted from my consumer report or I will seek monetary damages in small claims court in my city and state. Under 15 U.S. Code 1681b - Permissible purposes of consumer reports to consumer reporting agency may furnish a consumer report no consent is fraud. The US Bank Court does not furnish information to third parties and therefore a credit reporting agency is a third party so that's forgery. Below are the item that is still reporting on my report : XXXX XXXX Bankruptcy Reference Number : XXXX
Consumer complaint received 2019-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (WI)

Experian is improperly and illegally reporting a paid medical debt. This is in violation with the HIPPA privacy act and the FCRA. 

There is no balance due to XXXX XXXX XXXX. It has been fully paid. 

XXXX XXXX was told to turn the debt back to the original creditor, the hospital but they ignored that request.
Consumer complaint received 2019-11-13
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

This is another complaint against Kohl 's which has refused to acknowledge or read the attached evidence and FACTS regarding the derogatory remark/late payment they have posted to my credit report. They have been incredibly difficult to work with, with XXXX XXXX, failing to return my calls and failing to elaborate on the matter in writing beyond what feels like scripted responses. The FACTS are there were no late payments in XXXX or XXXX. There was a dispute in XXXX whereby Kohl 's failed to process a timely payment. They must remove this false late payment IMMEDIATELY from my credit report.
Consumer complaint received 2018-02-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: FC HoldCo LLC (NY)

XXXX XXXX XXXX XXXX repossessed my vehicle in XX/XX/2017. I have made several phone calls to the company and ask them to send me a letter stating when the sold the vehicle and how much they sold it for and the balance of what is left on the vehicle. As of this date I have not received any information on the vehicle. I noticed they have it in my credit report owing car finance and flagship credit showing a balance of {$16000.00} and just increased the balance by {$400.00} more dollars. From the time they repossessed thy vehicle they never sent me no information on it. They never offered me a chance to get the vehicle back after they repossessed the auto or even made me aware of that it would be auction off. An even after they sold the vehicle they never in sent me nothing on how it was sold for or what is the balance after it was sold. I have called them to try and clear this matter up but they still wont send information out. I would like to clear this matter up with the company..