davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

On XX/XX/2022, my identity was stolen. The identity thief opened an account at XXXX and made purchases. Three of the purchased items were shipped to my home address. The identity thief opened a line of credit for {$15000.00} at CitizensPay to pay for the purchases which totaled {$1400.00}. I stopped shipment of XXXX item and a credit was issued for {$960.00}. CitizensPay is billing me for {$450.00}. CitizensPay has reported this debt to the Credit Bureaus. CitizensPay requested and I sent them the following documents 5 different times : Completed, signed, and notarized Identity Theft Victim 's Complaint and Affidavit ; Copy of my driver 's license ; Copy of Florida Power and Light Bill for period XXXX XXXX to XXXX XXXX, 2022 ; Copy of XXXX Police Department Report for Incident XXXX ; and, Copy of Federal Trade Commission Identity Theft Report # XXXX. 
CitizensPay has denied my claim 3 times. Accounts were opened at other banks including one that financed purchases made at XXXX. All other banks have identified these accounts as fraudulent and have closed the accounts. I requested that CitizensPay deactivate the account for {$15000.00} line of credit and they refused.
Consumer complaint received 2020-09-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Yamaha Motor Finance Corporation USA (CA)

On XX/XX/20 I sent an email to ( XXXX ) that I was advised to do so by a representative. I advised that I have always used bill pay via my bank XXXX XXXX and never was received late fee until XX/XX/XXXX when the payment was sent out a day earlier ( XX/XX/20 ) than the payment in XX/XX/XXXX ( XX/XX/20 payment sent ).  I received a response on XX/XX/20 saying they aren't able to locate my account which I replied with all information they required ( full name, address, phone number, full account number and confirmed email. Received another email requesting more information and documents that didn't seem necessary for a simple late fee refund that shouldn't have been charged in the first place. I than replied asking for a supervisor to call me ASAP to discuss and hopefully resolve the issue via telephone and nothing, I called in to XXXX to speak to representative and phone call was disconnected. I than sent another email on XX/XX/20 requesting for a call since they disconnected my call the last time I called in trying to discuss the situation. Since than, I believe they have illegally took a portion of my normal payment to pay late fees and charged me another late fee because they took money from my normal payment that was paid in full and applied elsewhere/fees. They are charging additional illegal fees and not helping consumers even during a national pandemic. I finally got to a supervisor today XX/XX/20 explaining the situation and wasn't helpful asked to speak to a supervisor and said would forward a message but couldn't give me a name or telephone that i could be expecting a call. asked for his information to keep for my records and he advised he didn't have to give me that information and would pass the message along. Very rude and unethical procedures this company has shown. I have always paid my monthly payments on time and in full and have received the worst customer service in my life, I hope there is legal action taken against this company and they pay for there wrong doing. Also check the XXXX with same complaint, I wish I had read the reviews before accepting a loan with yamaha.
Consumer complaint received 2017-08-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC (MI)

I sold our house at XXXX XXXX XXXX XXXX, closing XX/XX/XXXX, 2017. The settlement statement is attached. The loan, # XXXX with SLS was paid off. Since then I 've received to bills from XXXX. About 2 weeks ago, the first one arrived and I called. SLS told me to send the settlement statement by email, which I did. I never heard back until XX/XX/XXXX, when another bill arrived. I returned the bill by mail along with the settlement statement and a short letter describing the problem. I 'm also sending this information to the title company that handled the escrow.
Consumer complaint received 2015-06-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (ID)

This bill was paid in 2012 after I returned home from XXXX. XXXX XXXX XXXX has notified Equifax and provided me copies of my account showing it as paid, however Equifax and XXXX XXXX is showing a balance due.
Consumer complaint received 2021-09-15
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: Kimball, Tirey & St. John LLP (CA)

I previously mailed the attached letter below on XX/XX/XXXX and have yet to see any changes made to my credit file. Please review the attached letter I am providing which is pursuant to 15 U.S. Code 1692a ( 3 ) consumer means any natural person obligated or allegedly obligated to pay any debt. Also pursuant to 15 U.S. Code 1681c-2 Block of information resulting from identity theft.
Consumer complaint received 2020-05-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Renton Collections Inc. (WA)

Date : XX/XX/2019 Company : Renton Collection  Original Creditor : XXXX XXXX XXXX Original Balance : {$850.00} Action taken : I filed a dispute with Renton Collection.  The dispute ended XX/XX/2019 Result : Renton Collection declined the dispute request.
Consumer complaint received 2020-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (FL)

COVID-19 arrived. I wrote a nice letter to Chase, in XXXX of 2020, requesting a 3-month forbearance of payments, interest, and late fees, on my Marriot credit card. 

They are still charging my account for payments, interest, and late fees.
Consumer complaint received 2020-06-02
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX XXXX {$3900.00} XXXX XXXX {$2900.00} XXXX XXXX {$320.00} XXXX XXXX XXXX {$820.00} XXXX XXXX {$6000.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (IL)

I have a total of 7 inquiries on my credit report, but I do not know what 3 of them are. 
XXXX XXXX XXXX XXXX - XX/XX/XXXX CBNA - XX/XX/XXXX Citibank - XX/XX/XXXX
Consumer complaint received 2020-06-02
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX  XXXX  XXXX {$3900.00} XXXX XXXX {$2900.00} XXXX XXXX {$320.00} XXXX  XXXX  XXXX {$820.00} XXXX  XXXX {$6000.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-03-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (FL)

XXXX, XXXX XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION XXXX DEPARTMENT TODAYS DATE : XX/XX/XXXX CREDIT COLLECTION SVCS XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person XXXX company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
XXXX XXXX ) Rule of construction Nothing in this subsection shall be construed to prohibit -- XXXX A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CREDIT XXXX XXXX  XXXX I have report your company to XXXX As a form of record and I am prepare to sue your company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: DISCOVER BANK (FL)

Person claims to be with discover credit card ( I do not have discover ) wants to lower my interest I listen to his speach ( XXXX? ) I in formed him I am on a do not call list and hung up. He called right back swearing at me calling me a XXXX XXXX American for letting him finish his speach before telling him I was on a do not call list his phone number is ( XXXX XXXX XXXX
Consumer complaint received 2020-06-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (NJ)

I have an auto loan with Ally Financial ( www.Ally.com ) Ally provides online banking to make payments online on Ally website. When making a payment Ally gives two options ( quote ) : > Apply to the outstanding balance of amount financed ; Ill still owe my next regularly scheduled monthly payment ( Trying to make a principal-only payment? 
What you may think of as the principal amount on a traditional loan ( like a mortgage loan ) is referred to as the amount financed on your Ally vehicle financing contract. This selection is Allys closest option to a principal payment. Assuming you keep making all your scheduled monthly payments, this is the fastest way to pay off your vehicle. ) > Apply to reduce the amount of my next regularly scheduled monthly payment.

Here 's my complaint : [ a ] deceitful payment options [ b ] setting a trap to miss due payments. 

[ a ] The first option ( quoted above ) advertises principal only payment, where the entire payment is applied to unpaid balance. ( This is also a default payment choice. See more below in section [ b ] ). When I chose to make a principal only payment option, Ally paid accrued interest charges first, and the remainder was applied to principal. 
Here are the particulars : On XX/XX/2020 I made a {$250.00} principal only payment, of which {$46.00} were applied to finance charges. I chose this option specifically to reduce the outstanding balance not to pay a regular payment due. I also made a {$300.00} principal payment in XXXX XXXX same problem, yet I discovered the issue with deceitful payment processing activity at Ally only recently when I decided to check the details of the principal payment made on XX/XX/2020. 
I spoke to Ally representatives via email XXXX case # XXXX XXXX, and on the phone. I was advised that they always pay interest first before paying down the principal regardless if the payment was intended as a principal payment only.

[ b ] Secondly, when making a payment online on Ally website, the first option ( see quoted options above ) is chosen by default, leading a customer to make a payment without satisfying the amount due ( or the regular scheduled payment ). 

It appears that Ally set up the payment portal purposefully [ a ] to mislead the customers into the belief that the principal only payment is applied fully towards the principal, and [ b ] to trap customers into missing a due payment despite making a payment to generate late payment fees.

Additionally, the payment history does not differentiate between the two payment  options, making it impossible to track what payment type was chosen, and how it was applied towards the loan balance. Nowhere on the website it show accrued finance charges and the unpaid balance after each payment.
Consumer complaint received 2021-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP (KS)

In XXXX of XXXX, I filed a dispute for a charge that I did not authorize XXXX {$350.00} XXXX. Shortly after, I received the provisional credit. I proceeded to close that account and open a new one at the same institution and transfer the provisional credit over to the new account. 

Maybe a few weeks later, the merchant sent a refund to the debit card, but the card and the associated checking account were closed. After speaking to the bank, the funds were evidently rejected from the card and were applied to the closed bank account. US Bank then denied the fraud claim and tried to deduct the provisional credit from the closed bank account. This may be a timing issue, but the merchant refund may not have been applied to the closed account until after the bank tried to debit the {$350.00}. The account was then charged off with a {$30.00} charge off fee sometime in XXXX. I received notification from the bank ( I no longer have ) that the merchant sent a refund and they would debit the provisional credit. I figured the account would zero out, but that did not happen. 

I was told someone with the proper authority ( I presume they meant a case processor ) will need to reconcile the account to zero it out and remove the charge off. 

On XX/XX/XXXX, I received a call from a XXXX XXXX  representing US Bank about this charge off. I then made my first of four calls to US Bank the same day to get this resolved. 

- XX/XX/XXXX was a 47 minute call, spoke to 4 ( maybe 5 XXXX, with one putting me on hold in the middle of me talking, different people. I was promised a call-back, but did not receive one - No Resolution - XX/XX/XXXX was a 37 second call, spoke to no one. Hold times were in excess of 30 mins so I hung up and decided to try again next day - No Resolution - XX/XX/XXXX was a 1 hour and 7 minute call, spoke to maybe 3 people. I was promised a call-back, but did not receive one - No Resolution - XX/XX/XXXX was a 12 minute call, spoke to 2 people. I was told the XXXX XXXX attempted to call, per the request of my previous call, and there was no answer and no ability to leave a voicemail. I said that I could not find a record of any calls from US Bank. I was promised a call-back, but did not receive one  - No Resolution - XX/XX/XXXX was a 37 minute call, spoke to 3 people through the request of escalation. I was told the XXXX XXXX attempted to call, per the request of my previous call, and there was no answer and no ability to leave a voicemail. I said that I could not find a record of any calls from US Bank. I refused a call-back and was told there were no other avenues to resolve this issue. I was told a request would be made to the XXXX XXXX and I should receive a letter in 7-10 business days if a solution could be found - No Resolution One major customer service issue I felt was everyone, but one person was apathetic to this. I did not get the feeling this was all that important, given the amount of times I was pushed off to someone else.
Consumer complaint received 2019-05-30
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. (TX)

I have disputed the XXXX XXXX XXXX  account with Experian and demanded a deletion because they are reporting a past due balance on a collection account. They are also reporting an inaccurate open date. It is a violation of the FCRA for a credit bureau to not thoroughly investigate an account. It is a violation to continue to report inaccurate information on my credit report. Experian states that they verified the account but how when the documents I received from XXXX XXXX do not match what it is reporting?
Consumer complaint received 2020-09-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

How are you doing during covid19 and how you during this pandemic? I was shocked when I reviewed my credit report and found late payment on XX/XX/2020 for 30 days during the covid-19 pandemic.

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NJ)

In need of some help! I believe I have a freeze on my account. I'm not sure as to what is going on. As of right now I am un able to obtain a saving or checking account. I cant get financing for a vehicle or can't apply for a credit card. It is very imperative that I open an checking or saving for Social Security payments. Please Help Me Fix This ASAP! 

Also, If it is not a freeze please point me in the right direction on how to fix the problem. 

My name is XXXX XXXX XXXX. 

Thank you in advance!
Consumer complaint received 2017-08-07
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 — Problem with personal statement of dispute
Company: HONOR FINANCE, LLC (GA)

Contacted Honor Finance on XX/XX/XXXX regarding 2 hard inquiries done XX/XX/XXXX. The one I asked them about was XX/XX/XXXX. The company person did not explain why they ran a hard credit check twice, once on XX/XX/XXXX and XX/XX/XXXX. I explained to them that I would like the XX/XX/XXXX removed due to already getting one done XX/XX/XXXX. They refused, so I would like to dispute this.
Consumer complaint received 2020-05-05
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. (NJ)

I wrote written requests along with VERBAL requests to this company to cancel this policy last year. It is now that they are reporting to the credit bureaus with a balance. Unacceptable and FRAUD. 

THere is a fraud alert placed on my account and by no means did I have a policy with them that accrued a balance. I will attach a picture of my email.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.