davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-10
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-25
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (MI)

I paid an auto parts {$1400.00} seller through a paypal invoice and selected the advertised 6 month interest free financing offer after signing up for Paypal Credit. Paypal Credit coded the sale as a cash advance instead, and began charging interest for the transaction. After calling to resolve the problem, they insisted on continuing to classify the transaction incorrectly and continuing to charge interest. The only remedy they offered was a review that could take up to two months to complete, and which was not guaranteed to solve any of the problems, which would then leave me on the hook for 4 months worth of interest by the time I knew their answer. They are engaging in deceptive practices by offering this rate at checkout, then failing to honor it when they bill it to the statement.
Consumer complaint received 2017-10-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (VA)

On XXXX XXXX, XXXX, XXXX XXXX sent my title company a payoff letter stating that my loan payoff would be {$240.00}, XXXX ( {$240000.00} principal + {$1300.00} interest + {$46.00} documentation fee ) through XXXX XXXX, XXXX. We actually paid the loan off on XXXX XXXX, XXXX. To date XXXX XXXX has refused to refund the interest overpayment. Per their website, the payoff was applied as follows : Principal {$240000.00} Interest XXXX Escrow XXXX Total {$240000.00} To date through numerous secure messages and phone calls, XXXX XXXX has refunded my escrow balance but has refused to refund my interest overpayment or explain why it has not done so.
Consumer complaint received 2020-04-23
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. (GA)

I have been a victim of identity theft. Credit card accounts were open in my name with the company XXXX. I worked with the creditor on numerous occasion and were able to resolve the issue. The creditor also sent alerts to all three major bureaus. Experian refuses to budge in removing the accounts. I have mailed in letters from the creditor, FTC Reports, police report and a slew of other requested documents and they still say the account has been verified. The creditor has stated they have not received disputes as of recently. Experian has also been in violation of FCRA by not sending method of verification or based on Section 609 what they have obtained to determine if the account belongs to me. I would like for these accounts on Experian to be removed.
Consumer complaint received 2017-10-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Debt Mediation, Inc. (TX)

XXXX XXXX, I noticed a report from Professional Debt company stating I owed a debt of {$720.00} for XXXX XXXX XXXX XXXX, I asked for proof of the debt because I am not aware of the charges, they were rude, and told me they did n't have to provide me with any information, I just needed to pay it or they would keep it on my credit report. 
XXXX XXXX, I again contacted Professional Debt company and they stated that they did n't have to give me proof, that it was my debt and I just needed to pay it, I have tried several times to contact representatives from the company who state they do not have to mail me proof, nor do they have to prove the debt, I need to see proof that I owe this debt and was treated very poorly, I was hanged up on several times, and even a person saying that they were a supervisor hung up in my face when I asked for proof of the debt
Consumer complaint received 2017-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Back in XXXX, XXXX, I became a victim of identity theft, My information was used to enroll in a Online college, XXXX University. My personal information was used without my consent. I did n't give anyone the autorization to use my social security number an birthday to take out money for student loans.. The person, that use my social security number and birthday, used a boguish name also. Also, at the partically time the loans was taking out, i didnt have a high school diploma nor a XXXX. I want want this problem to be disputed an to be dissolved, because, it is affecting my credit score. I am being harrassed by collection agency and my wages has been threaten to be garnish. I cant even attend school to better my life because of the student loans being in default. I have tried to work this matter out with the Dept of education, i have sent in all the documents they asked me to. the denied me, saying i am respsonible to pay the money back. I dont think its fair, that i have to pay money back that i have never seen nor touched.
Consumer complaint received 2022-08-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (GA)

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 an account without my written instructions. 

National Credit Adjusters was opened as a result of identity theft. I have placed a fraud alert on my credit reports and filed an identity theft report. I sent a dispute with my identity theft report to all three bureaus. I have attached the tracking numbers to my letters and the identity theft report.
Consumer complaint received 2019-05-07
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

XXXX XXXX. XXXX XXXX, XXXX, CA XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXX. XXXX   XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX N/A XXXX N/A XXXX XXXX/XXXX XXXX XXXX/XXXX  XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are  responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX
Consumer complaint received 2016-03-12
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Quad Corporation, Inc. (IL)

I went in to work which is XXXX. A co-worker gave me a message that a friend that I knew named XXXX XXXX called from the number XXXX and to give him a call back. 

I do not know who XXXX XXXX is, but called the number anyway and was told that this was Quad Corp a debt collection agency.
Consumer complaint received 2017-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Again, Bank of America is charging me an overdraft fee but clearly on my checking account activity log ( which I will attach a copy of ) my account did not go negative until my overdraft fee. This seems to be a problem with Bank of America. I do not see how they can charge overdraft fees when my account does not show a negative balance. I feel that this banks system of doing things needs to be investigated.
Consumer complaint received 2017-07-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Flagstar Bank, National Association (NY)

Today I contacted support and they actually helped out rather quickly, despite, the multiple screenshots I had to send, for them to believe it was my account. Please have my bank  NYBC au thorize for you to receive updates from the account. I really like the lighting speed money function works well and like that the money was debited on the same exact day I got paid. Not much of a compliant I guess but I just want my bank to know to please give updates to  XXXX . Nice app they have so far. Thank you.
Consumer complaint received 2017-07-01
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. (WA)

In XX/XX/XXXX I settled 5 charge off accounts with XXXX XXXX XXXX XXXX. We are in agreement that the accounts are paid in full and paid as agreed. I have included a settlement letter from XXXX that confirms this. A 6th account was settled in XXXX XXXX, letter attached. All 6 accounts appear on the included Experian Credit Report, with red boxes marking the items described herein on pages 6-9 of the credit report. <P/>XXXX stopped reporting the payment history on each of the accounts marked in red boxes in XX/XX/XXXX, but started reporting derogatory payment history anew, when I settled the accounts. This inaccurately reflects my payment history and RE-AGES my account in violation of the FCRA because it shows a recent delinquency. <P/>The attached letter confirms these accounts are PAID AS AGREED. Thus, the derogatory payment history must be deleted in accordance in the FCRA. The new reporting of derogatory information results in a reduction in my credit score. When I paid the accounts off, instead of an increase in my score, I received a DECREASE in my score due to recent delinquencies when XXXX suddenly began reporting them. If XXXX fails to delete the payment history, its only other option is to update the entire history as derogatory beginning when the first payment was missed for each account. <P/>Additionally, XXXX continues to report 'Creditor can not locate individual ' which is false, as shows on page 9 of the Experian credit report, marked in red. XXXX has been in regular contact with me since XX/XX/XXXX, as proven by the attached letter confirming my settlements. I have twice tried to get them to remove this derogatory description using the dispute process, and each time they have 'verified ' it as accurate. This is clearly erroneous. <P/>I have contested these accounts with Experian and they received 'verification ' from XXXX that the accounts were reported accurately. As proven herein and by the attached, XXXX 's Experian reporting remains inaccurate. <P/>Having exhausted the dispute process with the Experian credit bureau, I am seeking resolution via the CFPB as a next step.
Consumer complaint received 2017-10-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: SUNTRUST BANKS, INC. (MD)

We had a Business Account with XXXX XXXX XXXX. In XXXX XXXX, fraudulent activity occurred and money was withdrawn from the account. We had to fight the bank to get them to do anything to stop this. After 3 visits to branches including one located in XXXX XXXX, MD ( we were on vacation when this occurred ), XXXX, MD and XXXX, MD and numerous phone calls including speaking with XXXX XXXX on XXXX/XXXX/XXXX, XXXX XXXX on XXXX/XXXX/XXXX who blocked us out of our account, XXXX ( did n't get last name ) was told 10-14 days before anything could be done, and XXXX XXXX on XXXX/XXXX/XXXX who finally told us we needed to fill out an affidavit of fraudulent transactions to get this process started. When we read the affidavit we noticed that XXXX XXXX had listed the person, XXXX XXXX, who had written fraudulent checks, as the owner of our business account ( I have the paperwork for this ). Checks that we had written continued to come in and our account continued to be overdrawn in addition to them returning the payments so we had to pay fees on the other end as well. We finally were able to get some of the returned item fees refunded. On XXXX XXXX, XXXX we went into the branch to close out the account. We were told we had to pay {$520.00} in overdraft fees in order to close our account. We paid these fees, against our better judgment, but just wanted to be done with XXXX XXXX as it was a complete nightmare dealing with this situation. On our statement for XXXX, it showed that we paid the fees and had a zero balance on XXXX XXXX, XXXX. On XXXX XXXX, XXXX @ XXXX XXXX, we had received another statement from XXXX XXXX stating that we owed {$20.00}, so we called and spoke to XXXX and was told our account was closed the end of XXXX and we owed nothing as we had a zero balance. We just wanted to be done with XXXX XXXX, but we received a subpoena from the XXXX XXXX for XXXX XXXX to appear in court regarding XXXX XXXX, the person who made fraudulent checks and cashed them at 2 different XXXX XXXX locations. We took time off work and appeared in court on behalf of XXXX XXXX on XXXX/XXXX/XXXX. His case went to trial and we were asked to appear again XXXX/XXXX/XXXX again on behalf of XXXX XXXX. We have gone above and beyond for a company that is incompetent, completely dysfunctional, very unprofessional. and stole money from us by requiring us to pay {$520.00} in order to close our account because a teller did n't notice the fraudulent checks that look nothing like the checks that we used. Again, we paid this in order to be done with XXXX XXXX. But, on XXXX XXXX, XXXX we received a letter from a collection agency stating that we owed {$90.00} to XXXX XXXX bank. We have no idea what this is for. We sent a letter to them today, XXXX XXXX, XXXX asking for a letter of validation of the debt and what they are collecting for.
Consumer complaint received 2017-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (CA)

In about XX/XX/XXXX My local XXXX ( XXXX, Ca ) store had a promotion for their new XXXX XXXX XXXX XXXX Credit Card. The {$55.00} statement credit offer was expiring in a few days. My wife and I applied right then in the store and were approved for a high limit. The offer was that we would " receive a statement credit of {$55.00} within 2 statements, as long as we spent over {$150.00} ''. We exceeded that amount on the card that day, as we bought groceries and upgraded our membership to the executivXXXX. We were assured by the store employee ( an assistant manager ) that we met the criteria and will receive our credit within 2 statements. After 2 months passed we had received 2 statements without the credit being applied. We contacted both the XXXX store and Citi to inquire about or missing credit. Both the store and Citi blamed the other. After calling 4 consecutive days an agent at Citi 'claimed ' that they could see we met the criteria and the credit was pending and will be on our next statement. When the next statement arrived, we still did not receive the credit. I called back Citi again and was told i needed to talk the the XXXX store manager, I repeated that, no, i will not call them, as i have a credit card with Citi and not with XXXX. Citi claims that the credit is coming from the XXXX store itself and the store claims it has to come from Citi, as the credit card company. In XX/XX/XXXX, my wife called Citi and asked to speak to a manager. The Manager listened to the situation and called the XXXX store on our behalf. There was no resolution that day, but the manager took down our info and promised to call us back within a few days. We have never heard back from that manager as promised. It is now XX/XX/XXXX and we still have not received either the call back or our {$55.00} credit. I attempted one final call to Citi to attempt resolution, in XX/XX/XXXX i called Citi and they claimed that they 'never had a deal like that ' and 'i was lying about it '. I asked to speak to a manager at that time and was told, 'one is not available and they would be unable to help me anyway '. I am beyond frustrated now, i do n't care where the {$55.00} comes from but I WANT MY MONEY I WAS PROMISED. 
For the record, i spend $ XXXX-XXXX  a month on this credit card and pay off the entire balance every month. We have been dealing with this for 6 months when this should have been credited to us after 3 months at the latest. I demand that Citi do the right thing and credit my account the {$55.00} i was promised. They have been rude and incompetent and have exhausted all of my patience. 
I am asking for the CFPB to get involved since I am unable to get any resolution with this issue with either the XXXX store or Citi itself. 
I will be happy to provide any follow-up information requested. Please help
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX, OH XXXX ; XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2700.00} ; XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XX/XX/year> ; XXXX XXXX XX/XX/year> ; XXXX XX/XX/year> ; XXXX XX/XX/year> ; XXXXXXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX  XXXX XX/XX/year>. According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-09-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

Portfolio recovery associates is saying Im owing a debt which is associated with an address I dont live at. I have tax returns that date back to 2015 showing I live at a different address than the one associated with the alleged account. Not only that by law Im defined as an consumer and with that being said they are violating the FDCPA by reporting a debt that hasnt been verified. They were supposed to notify me of the alleged debt at my home address within 30 days of buying an account with my personal information in which I didnt give them which is identity theft, the alleged debt was bought years ago I didnt receive notification until this year. I will be sending them a consumer damage invoice for my inconvenience. This is my last attempt before my lawyer gets involved!
Consumer complaint received 2017-10-23
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NH)

In XXXX, XXXX I discovered an over payment was made to my credit card of XXXX. I have made bi-weekly phone calls and spoke with numerous customer service agents with a end result that the refund check will be sent within XXXX days. Each time I call I am directed to a supervisor who assures me that the mistake will be corrected and a check will be reissued. Now XXXX months later I made my bi-weekly phone call and with no resolution. 

Credit Card Company Synchrony Bank/Amazon XXXX