davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-25
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: Nationwide Recovery Systems, Ltd (TN)

These accounts have been transferred or sold. According to my findings, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. A bill without a signature does not imply that the debt is legitimate, and anyone may submit a bill and claim ownership. They have violated my consumer rights, and I am seeking legal action to have them removed. I don't owe this debt so this is clearly a violation of the FCRA section 602 ( a ) & FDCPA section 809 if you can not validate the debt, you must request all credit reporting agencies delete the inaccurate information from my credit report IMMEDIATELY!
Consumer complaint received 2020-04-29
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: Trident Asset Management, L.L.C. (TX)

I have contacted Trident Asset Management, XXXX, XXXX, and XXXX  several times. I have sent multiple letters and made multiple phone calls. The account with XXXX XXXX XXXX is invalid, and inaccurate. The account is not mine. My data was compromised in the XXXX  data breech. XXXX, XXXX, XXXX  have failed to verify this account. I have not received any document as what method was used to verify this account. The bureaus have willfully reported negligent information despite being informed serval times.
Consumer complaint received 2018-02-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc. (CA)

We received a loan modification from XXXX  XXXX XXXX in XX/XX/XXXX. Around XX/XX/XXXX, our loan was transferred to Seterus. This mortgage company is horrible to deal with. No monthly statements, billing, no credit reporting of " perfect payments '' for past 4+ years, no call backs, horrible customer service. We owe approximately {$320000.00} on our primary home that was loan modified. I pay monthly, religiously to a XXXX XXXX in XXXX XXXX. Very scary that I have no proper accounting of all of my payments for years!
Consumer complaint received 2020-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AZ)

Spoke with XXXX  company regarding this discrepancy back on XX/XX/2020! I was asked.to submit dispute and I was assured it would be removed as a repossession to open and paying off remainder balance due to a total loss ( vehocle accident ) for which insurance paid theur part, GAP paid their part and I paid off balance as of XXXX. All the time making payments since XXXX it shows as a repossession and has prevented me from getting another vehicle. Company shows it repossessed but it NEVER WAS REPOSSESSED!!! I need all this to be taken care of as I need a vehicle!!!!! If I was late then mark it as that but never a repossession when it wss never that!!!
Consumer complaint received 2018-02-23
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Account Discovery Systems, LLC (AZ)

This collection agency called myself and my sister at XXXX. A voicemail left by a XXXX XXXX stated " giving you a call in regards to a petition of garnishment filed against you by XXXX XXXX. Prior to submitting the paperwork on your behalf I just want to go over with you because you do qualify for a settlement on the loan. '' This collection agency has no right to contact my family over an old debt. The agency also has no right to do ANYTHING legally on my behalf. They are not my lawyer and have no permission from me to act on my behalf. Also, according to my credit report, when this debt was sold to a collection agency, a payment was made that re-aged this debt illegally. The payment was made on XX/XX/2017 completely without my knowledge. I will also be filing a complaint with my state 's attorney General as well as New York state 's attorney general, and the XXXX. I will also be forwarding recordings of the voicemail on request.
Consumer complaint received 2021-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (FL)

Citi restricted and then closed my checking account. will not refund or give me my money back. Citi will not communicate or respond. they sent me a letter from there fraud prevention dept. with a contact number, stating that my call to that number would clear up the matter. when calling said number, they say someone will contact me within 24 to 48 hours. Iv made five such calls and no response. when I call that number now Citi says they closed the account and its under investigation. and if I can prove the money is mine I may get my money back. Citi removed my money from my account 2 weeks ago and still have not contacted me for what ever info they feel they need from me to clear up the situation. other than a letter asking me to contact them. which I have now tried five times with only a response from Citi saying someone will be in contact with me in 24 to 48 hours but they never do,
Consumer complaint received 2018-02-23
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: Bread Financial Holdings, Inc. (IL)

I received a letter in XX/XX/XXXX from XXXX XXXX advising that my credit card application was declined, but I never submitted an application. I sent a letter to XXXX XX/XX/XXXX XX/XX/XXXX advising that I never submitted an application and asked them to remove the inquiry. I also asked for a copy of the application. They responded on XX/XX/XXXX advising that the application was completed on XX/XX/XXXX, but did not provide the application as requested. This information is false. I never applied for a credit card with XXXX XXXX and I want the inquiry removed.
Consumer complaint received 2021-10-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TSC Accounts Receivable Solutions (CA)

I have paid my debt in full to Dr. XXXX XXXX on XX/XX/2020. TSC is claiming that I still own this debt. I have included a copy of my final check to Dr. XXXX.
Consumer complaint received 2021-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I'm so tired of the same old story with these people. They tell me they corrected something but then don't really do it. They send me their inadequate consumer based report which doesn't really reflect the truth and never has. I ran my report with a company that I pay to allow me to do so every month. The same addresses I've requested be removed are STILL on my report! They just lied and didn't do anything! I ran my report with the company I deal with on XX/XX/27 and the addresses have not been removed!
Consumer complaint received 2018-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX XXXX has been reporting inaccurate information repeatedly on all three of my credit reports, I have disputed this information monthly since XX/XX/XXXX and this information is still being reported incorrectly. I called to have the vehicle surrendered in XX/XX/XXXX the car was picked up in XX/XX/XXXXI did not make any payments on this car after XX/XX/XXXX The car was sold at auction for {$6800.00} and the deficiency balance is showing as the balance before the sale which is over {$14000.00}. This is incorrect and I have disputed this amount to be corrected for 4 years with no resolution. I have documents that show all the payments I remitted to them and what should be the amount reported. They have reported not only the incorrect amount but they have reported the car as repossession and this should be reported as voluntary Surrender.
Consumer complaint received 2021-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have written to both all three credit reporting bureaus ( TransUnion, XXXX and XXXX ) about conflicting data on the same items, such as : XXXX XXXX shows last payment made as XX/XX/2018 on TransUnion but XXXX shows last payment made on XX/XX/2018 ( and on a previous report as XX/XX/2018 ). 
XXXX XXXX  XXXX shows last payment made as XX/XX/2018 on TransUnion but XXXX shows last payment made on XX/XX/2018. Also the phone number on TransUnion shows as ( XXXX ) XXXX but on XXXX as ( XXXX ) XXXX.
Consumer complaint received 2020-04-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have been trying to open an account in different banks for more than 1 year and they won't let me say that I have something negative in the reports of the bank bureaus. 

I really do not know exactly where the topic comes from, however, the one who closed an account on one occasion was Bank of America due to a suspected fraud. 

There are two or three big banks that have special " Second Chance '' accounts and they also deny them to me. 

If this comes from Bank of America it is very unfair what is happening because I remember that someone deposited a false check in my account and I do not remember the amount at the moment, but less than 5K but they did it in another city I think I remember what happened in XXXX But I never used those funds because I told my bank executive myself that I was not expecting that deposit, I never knew who did it, they simply closed my account with no option to defend myself. 

But if this is the reason that they do not open accounts, it is very serious because it was not my fault, rather I should claim BOFA as it is that someone I do not know can make a deposit in my account without my authorization and be me the great injured.
Consumer complaint received 2021-10-05
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. (GA)

As a natural person, who is federally protected I did not give this consumer reporting agency written permission to furnish any accounts on my consumer report according to 15 USC 1681 ( a ) ( 4 ). It is an invasion of my right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). Also, according to 15 USC 1681a ( e ) factual information shall not be included on a consumer 's credit record. This consumer reporting agency is in violation of three federal laws. I demanded her to remove the accounts referencing federal laws as a protected consumer exercising my rights.
Consumer complaint received 2020-08-19
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TRUIST FINANCIAL CORPORATION (AL)

I have had an auto loan with SunTrust Bank since XX/XX/2020 where I have not missed a single payment ( yet ). I just called SunTrust Bank and inquired about a loan modification in which there are options, but Suntrust refused to modify and stated that I would have to do a refinance with them even though I am already a good-paying customer for almost a year. During this Covid-19 environment I would think that banks are encouraged to work with the citizens due to rampant layoffs, terminations, evictions, etc.
Consumer complaint received 2020-07-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (DE)

I contacted this company in regards to a debt that appeared on credit report. The agent advised the debt was from 2016. I was not familiar with the debt. I attempted to work with the agent to settle the debt even though I do not recognize the debt. The agent ( s ) were not working with me despite my financial hardship. I requested a validation of debt from this company which has not been received.
Consumer complaint received 2020-04-30
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: CREDIT ACCEPTANCE CORPORATION (CO)

After the heater went out, a repairman began unraveling the issue. There are ENORMOUS electrical issues within this vehicle. These would have been easily seen if the vehicle went through a standard inspection. There is a laymans remote starter installed, bare wires and poorly covered working. 
The dealer knew or should have known of this condition. The pressured sales tactics lend me to believe they knew.
Consumer complaint received 2021-02-20
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (TN)

Hello, my name is XXXX XXXX. I have a big problem with suntrust bank since XX/XX/2020, the bank closed my account and I had funds in this account of {$12000.00}, the bank closed the account and there is money in the account {$12000.00} after close. 
I contacted SunTrust Bank customer service directly and he said we closed the account and put the money in the wallet without any reason and they said the money is in XXXX XXXX, so why is my money in XXXX XXXX Money on Suntrust account, 1- Why did SunTrust Bank send money to XXXX XXXX ? 
They said I have to contact XXXX XXXX, so how do I have my money with suntrust bank and they want to contact another bank? 
This is the third report I have written in SunTrust, no one is calling me ignoring my reports and they don't want to fix the problem, I am trying to solve this problem without court but if SunTrust contacted me and tried to send it cashback on my address with a XXXX check I will sue SunTrust in court.
Consumer complaint received 2020-04-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (IL)

On XX/XX/2020, {$3000.00} was taken out of my account and a bounced check fee was put on my account after someone else wrote a check from a different account ( they had a copy of the check ) paid to my name. It said they couldnt locate the account for that check so took the money out of my account ( no account number, birthday, or any information about me other than my name in the TO section of the check was present ). Someone other than me cashed the check and US Bank gave the {$3000.00} in cash to whoever cashed that check, and that person was not me. The signature on the back of the check is not my signature. When I noticed the money missing on XX/XX/2020, my local bank refused to set up an appointment, telling me to schedule one on the phone app. When I tried to schedule one on the app there were no available appointments for me to open new accounts. The fraud department at US Bank froze my accounts per my request and facilitated me opening new ones. When I asked if they had asked for ID before cashing that check I was told they couldnt tell me that and Id need to file a police report for authorities to ask any specific questions. I was told if the fraud department could release any information to police they eventually would and I could get my information from the police. I filled out all required paperwork and an affidavit and sent it to them on XX/XX/2020. On XX/XX/2020 I filed a police report with the sherif and called to check on the status of my claim. The fraud department at US Bank said they hadnt received the email or fax despite me receiving a fax confirmation. I was told to wait another day to see if it was received before they would open a claim. Someone wrote a check to someone else with the same name as me ( it wasnt my check or my account- it was a check written to someone with my first and last name ) and US Bank cashed it. Then when the check didnt clear they arbitrarily took {$3000.00} from my account despite that check having been cashed at a US Bank that wasnt my local bank ( they wont tell me what branch cashed it XXXX and Ive not gone out of town at all. On the date in question I purchased lunch where I live with my debit card using my PIN number showing I was physically in a different location than where the check was cashed.
Consumer complaint received 2021-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (UT)

I'm so tired of the same old story with these people. They tell me they corrected something but then don't really do it. They send me their inadequate consumer based report which doesn't really reflect the truth and never has. I ran my report with a company that I pay to allow me to do so every month. The same addresses I've requested be removed are STILL on my report! They just lied and didn't do anything! I ran my report with the company I deal with on XX/XX/27 and the addresses have not been removed!
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MA)

XXXX XXXX I found 4 accounts on my experian and equifax credit reports that are not mine. And XXXX is correct without these accts. There were also many phone numbers and addresses are not mine. The 4 accts are 2 XXXX credit accts, 1 student loan issued by launch servicing, the creditor of the loan XXXX XXXX  with the collection XXXX XXXX. I opened disputes with them. I contacted all the creditors of the 4 accounts and get the same information : the holder of the account, may or may not be a real person, I do not know, happen to have the same name with mine, similar address with flipped apt #, all other information ( social #, DOB etc ) are different with mine. XXXX XXXX, equifax removed 2 XXXX  accts, but closed my dispute of the acct launch servicing stated it is correct. I had to call and disputed it again. Same day, XXXX removed launch servicing acct. removed 1 XXXX  acct, but on XXXX XXXX closed my dispute of the other XXXX  acct saying it is correct. I again had to call and complain and opened another dispute.
Consumer complaint received 2020-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FORD MOTOR CREDIT CO. (FL)

I contacted ford to remove payment that were late due to me going homeless in 2017 I am XXXX and these payment histories are affecting my ability to qualify for a mortogage.
Consumer complaint received 2020-04-29
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. (TN)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible.
Consumer complaint received 2018-06-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (IL)

On XX/XX/XXXX I setup a transfer of {$50.00} to my niece in Illinois for her birthday. For some reason, she was having issues picking up the money and let me know. I called MoneyGram for an answer. I was told the the transaction was cancelled by MoneyGram ; however, no reason was given. I've sent her money before with no issues, but for some reason that transaction was flagged, but the representative couldn't explain why. I asked for a supervisor and was told the same thing. I now have to wait 3 to 10 business days for them to send my money back to my bank account. I wanted an explanation why they took my money, cancelled the transaction and now I have to wait so long to get my money back. Neither rep could explain except to repeat that MoneyGram is an international money transfer company that reviews transactions and flags them for cancellation. I still do not know why it was cancelled as I've sent her money before, we have the same last name and it was only {$50.00}. And I really don't understand why I have to wait 3 to 10 business days for my money when it didn't take that long for them to take my money for the transfer. I am highly disappointed, frustrated and upset and will never use this company again.
Consumer complaint received 2020-04-29
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. (TN)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible.
Consumer complaint received 2020-04-29
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (MD)

I had a credit card I got when shopping for a mattress at mattress firm. I opened the Synchrony account 2 years ago. After 2 limit increases my final limit was {$7500.00}. NEVER late, NEVER over the limit. Current balance {$0.00}. Out of the blue, I get a notification from MyFICO that my new limit is now {$250.00}. Who tf can purchase anything for {$250.00}? I called and they said we periodically check your credit, and your score must have gotten lower. So you lower my limit because Im utilizing other cards and my balances have increased?! Especially during this global pandemic. They are not consumer friendly. I told the lady close the account all together.
Consumer complaint received 2022-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma (VA)

I was told by credit karma that I was pre-approved for a loan in XXXX, 2022 with 90 % approval odds and was subsequently denied with a hard inquiry on my credit report.