davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (OH)

I declare Myself competent. I am not a Corporation or a Public Entity. 
You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX must be a Third Party Debt Collector and I do not give you permission to interfere into My Commercial affairs. If you are assuming that you are representing Me, you are Hereby Fired and your Power of Attorney is Hereby Revoked. 
As proof of claim, complete the attached CREDITOR DISCLOSURE STATEMENT and return within 15 days. Failure to respond with the completed CREDITOR DISCLOSURE STATEMENT, thereby providing your verified Proof of Claim, signed under the Penalties of Perjury and verified by your affidavit, you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXXare agreeing to your Commercial Dishonor, exhausting My Administrative Remedies. I will accept your Silence as an Acceptance, and your agreement that a Default be entered against you. You will also agree to a Full Tacit Contractual Agreement being a participant in Fraud and to forfeit all remedies under Administrative Law, Judicial Law, and / or MARITIME CLAIM RULES C ( 6 ). 
You should also be aware that sending unsubstantiated demands for payment through the United States Mail System might constitute mail fraud under federal and state law Your failure to satisfy this request within the requirements of the Fair Debt Collection Practices Act will beconstrued as your absolute waiver of any and all claims against me, and your tacit agreement to compensate me for costs and attorney fees. I do not have any contract for business with your company ( XXXX XXXX XXXX )
Consumer complaint received 2017-08-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (CA)

Upon pulling my most recent credit report It came to my attention SW Credit Systems had reported a debt for collection on my report. Knowing the debt is n't mine I disputed with the creditor to have it removed or verified but did not receive any competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.The letter sent was not only a formal dispute, but a request that they cease and desist any and all collection activities, including reporting of ; or verifying of the account on my credit reports. SW Credit Systems was and is non-compliant and in violation in these matters.
Consumer complaint received 2023-01-27
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. (MD)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the Listed Account. 
XXXX OF XXXX XXXX Balance : {$0.00}
Consumer complaint received 2018-07-15
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

My name is listed as a guarantor on a XXXX line of credit opened by my ex husband XX/XX/XXXX with Bank of America. I found out about this last XX/XX/XXXX when I received an email about ordering checks, which I did not. Since then I have spoken to over 20 BOA employees, faxed them my divorce decree and visited several banking centers. I have spent hours during the past several months talking with various employees, getting no where. I have been told that if my ex fails to pay on his loan, they are coming after me! My ex and I have been divorced since XX/XX/XXXX, and I have NOTHING to do with his business, yet BOA has somehow included my name on his line of credit for his current business. I never signed any paperwork, nor did BOA verify me, or contact me, but yet they have me listed as a guarantor on my ex 's XXXX credit line. I filed a fraud report XX/XX/XXXX worked with a XXXX, for several months. She told me in XX/XX/XXXX that she removed my name and social from one account number ending in XXXX.But she told me my name is still listed on the account ending in XXXX and she can not help me.When I visited a local BOA banking center, my name is STILL listed on at least 2 accounts involving my ex and his business line. My ex has called several BOA employees and has gotten the same run around.There seems to be several account numbers linked. We believe that BOA pulled up information from 20 years ago when we were married, and never verified current information. We had credit cards for this business 20 years ago in both our names.My ex and myself have asked BOA to remove my name from ALL accounts associated with my ex and his business. My ex wrote a letter to BOA XX/XX/XXXX,  which I signed, requesting to remove my name from any and all accounts associated with him and his business. NO ONE has been able to process this request, and they refuse to put anything in writing. I am asking for help on this matter as no one from BOA seems able or competent to solve this problem. BOA has failed to perform due diligence to verify the accuracy of guarantors for a XXXX credit line and instead has used information that is no longer accurate.
Consumer complaint received 2018-07-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (NV)

CFPB, Loancare was not licensed to conduct business in my state of Nevada when I submitted a Qualified Written Complaint to the XXXX ( Proof # 2 ) regarding my experience during a phone call. 

Loancare admits to the violation of Regulation Z ( Proof # 1 ). 

At this time I was receiving funds from the Victims of Crime Program as I had suffered from an event that was no fault of my own. I was told to apply for assistance at the XXXX XXXX XXXX fund as my circumstances may have qualified for assistance. A statement from their eligibility supervisor stating that my credit report reflects no mortgage payments being made. ( Proof # 4 ) I have provided information from my bank account showing payments to Loancare showing four separate payments to Loancare which seems to conflict with ( Proof # 3 ) Additionally, I have provided a print out showing that my most recent statement while in foreclosure was XX/XX/XXXX, provided is a print out dated XX/XX/XXXX, showing XX/XX/XXXX statement availability. ( Proof # 6 ) This seems to me to be a continued abuse of Regulation Z requirements, though I am not an attorney. 

Thank you for taking the time to attend to this matter immediately, Included items each titled proof ; Proof # 1 is 1 page Proof # 2 is 3 pages Proof # 3 is 1 page Proof # 4 is 1 page Proof # 5 is 1 page
Consumer complaint received 2021-01-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (LA)

a couple months ago Chime closed my account without notice, I contacted them by phone & he asked questions about my last transaction I told him which was right. he let me know what information to send & also a selfie was need I sent that information immediately. They took almost a week to respond only to tell my account was being closed refer to a section in there deposit agreement & that i wasnt eligible for a refund so now im panicking! ive been contacting them since then & theyve blocked my number from calling & not responding to emails. can they just take my hard earned money like that?
Consumer complaint received 2024-02-23
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. (GA)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NC XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$5500.00} XXXX XXXX XXXXXXXX Balance Owed : {$650.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance Owed : {$5500.00} XXXX XXXX  XXXX Balance Owed : {$650.00} XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX Balance Owed : {$5500.00} XXXX XXXX XXXXXXXX Balance Owed : {$650.00}
Consumer complaint received 2023-01-30
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (MA)

Dear SYNCB/TJX COS ; I was shocked when I reviewed my credit report and found late payment on the dates below : I am not sure how this happened, I believe that I had made my payments to you when I received my statements. Also, with everything going on, particularly COVID-19, and being hospitalized with XXXX, loss of a family member lately, and loss of job, etc. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2020-09-01
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. (AZ)

My car was hit by an uninsured drunk driver while parked outside my house while I was asleep in the middle of the night. My insurance company declared my vehicle a total loss, as I was insured with gap with the same company. My insurance later informed me the pay off check to pay off the total remaining balance of the car was sent to my lien holder, and that I should no longer make payments because the lien holder would receive it in the next day or two. 3 months later, thinking my car was paid off and no longer having a vehicle, I was notified my lien holder never received a check and my account was now derogatory on my credit. I called my insurance and they took responsibility for sending the check to the wrong location, but neither the gap insurance, full coverage insurance for the uninsured, or the lien holder will work with me on the amount owed for the 3 months the check was missing as they are considered missed payments. I was never called by anyone looking for a payment. I have a letter from my insurance company with the pay off amount and original check date that was never received, and a letter for the second check they sent 3 months later. My lien holder was XXXX, I had gap insurance with them as well and my insurance company was XXXX..
Consumer complaint received 2020-09-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (VA)

I finally closed on my 15yr fixed refinance loan with Quicken Loans / Rocket Mortgage on XX/XX/XXXX after a horrific loan process. XXXX 's changed my loan amount twice without notifying me, XXXX XXXX could not analyzing bank statements to determine liquid funds, closing was originally scheduled for XX/XX/XXXX but was moved to the XXXX without notification. I just happened to log into the account when no one came on the XXXX and saw it was moved to the XXXX. I never spoke to my banker after the day the application was taken. But on XX/XX/XXXX I finally close and the loan is supposed to disburse on XX/XX/XXXX and it does not. I get no notification of what the issue is causing the delay in disbursement until XX/XX/XXXX when I call in after I get a notification from my previous lender that my loan is not 30 days late. After the conversation on why my loan did not funds on time and why i was not notified of the delay the excuse given to me was they are behind on work at the moment.
Consumer complaint received 2023-01-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd ()

Hi XXXX XXXX XXXX is here. I'm facing issue with Wise, Formerly TransferWise company. This company is doing fraud with me. This company is keep asking for documents which i already provide them. I'm an affiliate marketer and working with XXXX XXXX My company send me affiliate payment to my wise address via XXXX. Total amount is {$1100.00} which i received from XXXX XXXX Its been many days they are holding my money for no reason. This company is doing big fraud with their customers. Please help me to get my money from this fraud thief company.
Consumer complaint received 2023-01-30
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: American Credit Acceptance, LLC (MI)

XXXX XXXX, 2023 I was denied credit to finance a vehicle at XXXX XXXX. I was told I had to put a down payment of {$8700.00} down. when according to 15 U.S Code 1662. that is illegal in a consumer credit transaction. i do have video as well.
Consumer complaint received 2022-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

I recently opened a checking account with Citizens Bank in XXXX of 2021. I opened this account by clicking on a link that demonstrated a bonus for starting the checking account that included {$100.00}, {$2.00} per transaction made with the debit card for up to 50 transactions. I completed these 50 transactions and then inquired with the bank as to why I did not receive the bonus. They stated that the transactions had to be " in-person '' transactions with the physical card, however, their terms and agreements state that the transactions can be " in person '' or " online '' transactions with the debit card. I called Citizens Bank again to try and rectify this situation, and the representative stated that they could not provide me with the bonus unless I told them over the phone the promo code I used to sign up for the checking account. I asked them why this was necessary, as I must have entered the promo code into their website when signing up so they should have a record of what promo code I used, however, they stated they did not have this information. The promo code was on a mail flyer that I have since thrown away after opening the account back in XXXX. There was no statement on the mail flyer that I must keep that flyer so that I could receive my bonus four months later. I'm not sure what the point of entering the promo code during sign-up is if I just have to recite it again four months later when it comes time to receive the bonus. I completed the bonus requirements and feel as if Citizens Bank wrongfully coerced me into opening up a checking account without providing the bonus they stated they would be providing.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

My name is XXXX XXXX XXXX and this is not a third party disputing this issue .I am being taken advantage of by transunion, XXXX and XXXX. These three companies are violating my rights given to me by the FCRA. I didnt give them permission to access my non public personal information. Nor did I consent for them to furnish anything on my consumer report. According to 15 USC 1681 B2 my permission is needed for any person to access or furnish on my consumer report. They permission wasnt granted by me. Not only are inquiries being reported without due cause. My right to privacy has been infringed upon due to these fraudulent and inaccurate reporting. I have a right to privacy according to 15 usc 1681 ( a ) ( 4 ) I demand that each and every item Im disputing to be removed. There is no way any person can validate fraudulent activity. Due to my identity being used without my consent this is theft as defined by 18 usc 1028 ( a ).
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor 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 the loss of credit rating.
Consumer complaint received 2020-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I open a Capital one account in XXXX and in XXXX they sent me a Venture card account because I had a few other cards and didnt want to be late on any payments I was referred to setup Autopay I did and it was set to pay the minimum every month. This was fine till someone made a fraudulent charge in a XXXX of XXXX and I changed the balance and minimum due however it was more then the minimum I had set to pay and it made the remainder amount pass due which was paid the next week I was told. In fact for the month of XX/XX/XXXX I summited two payments however they reported my account past due 30days in XX/XX/XXXX which it was not. Then when I tried to correct it they claim I had missed payments by posting my payments twice for the same month XX/XX/XXXX and not posting payment for XX/XX/XXXX and still incorrectly reporting me pass due without supporting information. As their records show payments made on time and no pass due amount ever because they just post balance and schedule payments.
Consumer complaint received 2020-09-03
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: WAKEFIELD & ASSOCIATES, INC. (VA)

I have a account reporting in my credit from wake field and associates I never opened this account or did I give permission for this account to open with a balance of XXXX .. I gave tryed to resolve this with the company and would like this to be removed from my credit report due to fruad and and not being able to provide supporting documents that I opened this account
Consumer complaint received 2018-10-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL (ID)

On XX/XX/XXXX I tried to apply for a paypal credit line. It said I was approved and to link the account. When I tried it said it was already linked to another account. I called PayPal credit who forwarded me to bill me later who in turn told me the account was closed as a charge off. I was confused about the debt and honestly didnt recall owing them any money especially when ive never received any notice. I took the third party debt collectors number the account number and the amount owed for my own record. The agent then told me that there were consistent payments and they stopped in XX/XX/XXXX and the account charged off in XX/XX/XXXX. 
I looked at PayPal credit terms and conditions and read through their policy book. They are not allowed to reinstate an account that is delinquent. My account legally is not delinquent because it was charged off and sent to a third party. Legally paypal credit can no longer use my social in connection to their company because it does not belong to them anymore and does not exist anymore and I legally am not considered to be in debt anymore. I spoke with a supervisor who refused to reset my account and delete the delinquent status so I may reapply. He also refused to give me the number to their corporate office and was very snippy. I informed him of his company 's policy and that they were in violation on their own terms and conditions in refusing to delete the nonexistent account and it was illegal. He gave me a fax number and p.o. box with no name and no contact point.
Consumer complaint received 2017-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Advanced Resolution Services Inc. (GA)

On or around XXXX 2017 I contacted ARS ( Advanced Resolution Services, Inc. ) in regards to obtaining a copy of my report and to also put a freeze on the file due to identity theft and/or a merged file. On two different occasions I faxed over the request documentation and each time the company would respond in writing stating I need to provide proof of identity although I had done that both times by providing my GA drivers license, and SSC as well as a bank statement/XXXX. On XX/XX/XXXX, I received again the same exact letter from the previous two attempts but this time I included a notarized copy of the information mentioned above. On all communication the reference Log # XXXX.
Consumer complaint received 2023-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (NJ)

Several months ago, Capital One sold their interest in the credit card I had with them To XXXX XXXX XXXX. I unintentionally sent a payment to Capital One instead of XXXX, the current holder of my account. You can see the check below, as I attached it. I have contacted Capital One, and they will not help. I have contacted XXXX, and they will not help. It was mailed on XX/XX/XXXX, cashed by CAPITAL ONE on XX/XX/XXXX. It is XX/XX/XXXX, and that money has not been forwarded to XXXX or returned to me. No one at either company has confirmed having it, or helping to understand where it is. No accountability.
Consumer complaint received 2021-08-11
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. (NC)

Someone is attempting to open accounts in my name which is fraud. Please delete these inquires from my credit report because they are not being done by me.