davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-26
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. (MD)

In accordance with the Fair Credit Reporting act XXXX credit acceptance, has violated my rights. 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-04-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Unauthorized XXXX transactions were sent using my Bank of America account, and mobile device. Bank of America denied my claim, even though Ive never ever sent money to the party that received the XXXX  transfers. They denied one of the transfers, and allowed the rest to be processed.
Consumer complaint received 2022-03-30
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. (NM)

For the past five years, I have attempted to contact the credit reporting agencies regarding incorrect items on my credit file that don't belong to me. It appears to me that someone has my personal information and has been establishing fraudulent credit in my name. I have put several fraud alerts on my file. The most recent is for {$970.00} from XXXX XXXX XXXX XXXX XXXX services opened on XX/XX/XXXX. And there's the XXXX auto finance for {$7700.00} back in XXXX. I have attempted to contact the auto company for years to dispute this charge. I have now filed a police report because this fraud continues and it is exhausting trying to fix my name and financial credit report.
Consumer complaint received 2022-03-30
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. (NM)

For the past five years, I have attempted to contact the credit reporting agencies regarding incorrect items on my credit file that don't belong to me. It appears to me that someone has my personal information and has been establishing fraudulent credit in my name. I have put several fraud alerts on my file. The most recent is for {$970.00} from XXXX XXXX XXXX XXXX XXXX services opened on XX/XX/XXXX. And there's the XXXX auto finance for {$7700.00} back in XXXX. I have attempted to contact the auto company for years to dispute this charge. I have now filed a police report because this fraud continues and it is exhausting trying to fix my name and financial credit report.
Consumer complaint received 2021-10-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (IL)

To whom it may concern : I had a collection placed on my account that dropped my score over 40 points for a debt that I paid over a month ago and the collection agency was well aware. This debt was paid in full and a simple contact with the original creditor would have proved it as such. I paid the past due balance and returned the equipment. The collection account is for the amount billed for the returned equipment that XXXX XXXX XXXX guaranteed would be wiped clean if I returned the equipment which I did on XX/XX/21. I have attached the receipt. I was unable to get a receipt for the rest of the paid amount. 

I really believe this was and intentional and malicious attempt to harm my credit because my contacts with the original creditor for the past couple of weeks I have been told that I have a {$0.00} balance if I returned the equipment. A simple contact between the collection agency and the original creditor would have shown that this bill was paid. If this isn't intentional then it's obviously negligent and this business needs to be reprimanded. I've been working extremely hard to repair my credit now I have to spend time, and money on certified mailings.
Consumer complaint received 2020-11-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST CITIZENS BANCSHARES, INC. (FL)

I opened a checking account under a {$300.00} promotional bonus. 

I met the conditions of the bonus, both depositing {$1000.00} and making 10 debit payments within 90 days. The bonus was supposed to have been paid out at the latest on XX/XX/20. 

I waited until around XXXX and messaged and was told that there was no timeframe on the bonus. I called a few weeks later and now was told I didn't qualify for the promotion.
Consumer complaint received 2022-04-26
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (CA)

On XX/XX/22, I leased a new XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX XXXX, CA. The agreed upon price including my trade in was a XXXX mo. lease with zero drive off at {$450.00} per month INCLUDING Tax at a rate of 9.5 %. Upon review of the lease contract the following day, I noticed an error in the amount of tax charged and notified the dealer of the error. They told me not to worry that the contract was correct. When I received my statement from Chrysler Capital indicating a monthly payment of {$450.00}, I explained that the dealer had made an error in calculating the tax and that the payment was now more than I agreed upon as well as an amount different than my lease contract indicates. Chrysler Capital explained that they must collect the correct amount of sales tax and can not go back to the dealer to remedy the shortage from their proceeds to arrive at the agreed upon payment of {$450.00} per month including tax. 
I feel this is a breach of contract by the dealer to clearly indicate an incorrect amount of tax to show a total payment of {$450.00} to get me to sign knowing that Chrysler Capital will catch the error and charge the consumer the difference without demanding that the dealer correct the contract with the customer. Both the dealer and Chrysler Capital are unwilling to remedy the discrepancy.
Consumer complaint received 2022-03-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXXt # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, has violated my rights. 

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
Consumer complaint received 2021-08-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

This is the 3 time I have disputed and filed a complaint with the CFPB and the FTC over accounts US DEPT OF EDUCATION # XXXX XXXX XXXX XXXX # XXXX,, XXXX # XXXX XXXX XXXX # XXXX, XXXX # XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXX, XXXX # XXXX XXXX XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX # XXXXThird-Party Collection Agency unable to validate debt . Other problems have included debt buyers selling with accounts with one creditor and then being collecting by another who allegedly purchased the debt ( Smith v. Mallick, 514 F.3d 48 ( D.C.Cir. 2008 ) ), disputes between debt buyers over who owns which account when buyers have purchased partial portfolios ( Wood v. M & J Recovery LLC, CV 05-5564, 2007 U.S. Dist. LEXIS 24157 ( E.D.N.Y., April 2, 2007 ) ( dispute over who owned the 1/5th of a portfolio that included the debtors account ), or debt buyers attempting to collect monies in excess of the balance of a previously settled debt ( Overcash v. United Abstract Group , Inc., 549 F. Supp. 2d 193 ( N.D.N.Y. 2008 ) ) there are so many violations I don't which one to start with. All of these accounts are fraudulent until I see PROOF OF CHAIN OF TITLE OF OWNERSHIP!! I have not received any documentation from any of the above companies and I request again that Proof of Claim and verification.
Consumer complaint received 2021-01-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing this complaint to request the removal of a negative account that XXXX XXXX is reporting on my XXXX, XXXX, and TransUnion credit report. The account number reported on my credit report is XXXX. I called XXXX XXXX on XX/XX/XXXX, to discuss this account. I was told by the customer service representative that I could settle the account for {$200.00}. I asked him if the account would then be reflected as paid, and all negative entries would be removed from my credit report. He said not unless I paid the balance in full. I told him it was critically important that all negative information be removed from my credit report, and I agreed to pay the full balance of {$400.00}. I have attached a copy of the receipt from my bank to this letter. It has now been over one year since my payment, and XXXX XXXX is still reporting negative information on my credit report. This account was first reported to the credit bureau on XX/XX/XXXX. I have sent letters to XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX and received no response or resolution. I am requesting that XXXX XXXX delete this account from my XXXX, XXXX, and TransUnion credit reports immediately.
Consumer complaint received 2022-04-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (CA)

I lived in XXXX XXXX at the time of the debt. date of service on these accounts were from XXXX, XXXX, XXXX at the XXXX XXXX XXXX XXXX XXXX. I paid these accounts over a period of time with one of the XXXX  accountants. I made monthly payments until it was paid off. Now last week a financial institution posted those old depts on my credit report. I don't have my receipts as it was so long ago and i have moved 4 times since then. My credit score tanked because of this.
Consumer complaint received 2021-10-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: WELLS FARGO & COMPANY (SD)

In mid XXXX I contacted Wells Fargo regarding two accounts I had that were severely past due to set up a payment arrangement. We had sold our house and I informed Wells Fargo I would pay them in full and they promised me on the phone in mid XXXX that they would not send it to collections or sue me. I told them my house would close on XX/XX/XXXX so I would pay in full by the end of XXXX depending on when the check cleared. Sometime between XX/XX/XXXX and XX/XX/XXXX I was contacted by my sheriffs department that I was served a summons for these debts. I have already contacted that law firm and settled these debts.
Consumer complaint received 2021-01-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: AMERICA FIRST FEDERAL CREDIT UNION (UT)

America First Credit Union automatically has enrolled me into a " PREMIUM CHECKING ACCOUNT '' In which they would charge me a fee of {$6.00} a month which yearly would equal out to {$72.00} ... you can " opt-out '' but i should have had the option to " opt-in '' to begin in the first place versus having to call and wait on hold for lord knows how long.
Consumer complaint received 2021-05-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

This company is awful. Ever since XXXX sold my mortgage to this company, they have caused me nothing but pain and frustration. This time is unacceptable. 

XX/XX/XXXX - I made an additional payment of {$1000.00} toward the principal. 
XX/XX/XXXX - 7 individual {$1000.00} unauthorized payments were withdrawn by Mr. Cooper. As a result, I got 7 NSF fees at {$34.00} each. 
XX/XX/XXXX - I called Mr. Cooper to complain. They said they are working on the error to reverse the charges and should resolve the payment reversal on the same day. 
XX/XX/XXXX - By the end of the day, only 3 of the 7 payments were cleared the bank and the payment reversal were done the same day. 
XX/XX/XXXX - Finally got my NSF fees back. 
XX/XX/XXXX - I found out 4 more unauthorized {$1000.00} were withdrawn from my account again, and 4 more NSF fees were charged by my bank. I called Mr. Cooper again and they said they will work on it. They initially said those problems were fixed on XX/XX/XXXX. I told them this is not about XX/XX/XXXX, this is the problem they took out of my bank AGAIN on XX/XX/XXXX. They were clueless and said they will look into it if I send them an email with a snapshot of my bank statement and they will fix it immediately. No apologies were given. 

Until this day, XXXX, no money was returned to my bank. And because my bank was overdrawn due to their unauthorized payments, I don't have access to the money I had in the bank anymore.
Consumer complaint received 2020-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I sent a letter to XXXX, XXXX  and TransUnion on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been 4 and a half months and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 120 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so. I was also impacted by the XXXX  data breach and believe some of my accounts were compromised.
Consumer complaint received 2020-07-27
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (DE)

This is account does not belong to me! I have never had account with this company nor have I ever done any type of business with this company. Because I am not responsible for this debt, This collection should be deleted from the 3 major credit bureaus as it is greatly affecting my credit.
Consumer complaint received 2021-01-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

At this time, I respectfully request a copy of my XXXX, XXXX  and Trans Union credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, OK XXXX. Your professional cooperation will be greatly appreciated. 
XXXX XXXX
Consumer complaint received 2022-03-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (CA)

ORDERED NEW DEBIT CARDS FROM NAVY FEDERAL CREDIT UNION AND RECIEVED FAKE CARDS THIS IS THE SECOND TIME IN LAST TWO WEEKS FAKE VISA DEBIT CARDS HALOGRAM OF BIRD IS JUNK MAGNETIC STRIP IS A JOKE. 

XXXX XXXX XXXX DID SAME EXACT THING THEY COULDNT DISCUSS MATTER OVER PHONE SAID THEY WOULD ONLY TELL ME WHAT WAS GOING ON IF I WENT TO BRANCH SO I went branch CLOSED MY ACCOUNT Same day they still would not tell me why my pension check was not deposited half my check was pending they said.
Consumer complaint received 2020-11-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I got a call introducing herself as an employee of the US immigration and custom enforcement dept.the number was exactly the same as the ICE.i ended up illeterately sending {$970.00} via online banking.i claimed bank of america for stopping the transiction.they said its not gauranted whether they will make it happen or not.
Consumer complaint received 2024-03-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC. (IN)

On XX/XX/year> a full modification package was received by SPS and acknowledgement letter was sent dated XX/XX/year>. The letter indicated that the attorney will be notified and will be asked to cancel sale date if one has been scheduled. I have called the ombudsmans department and spoke with someone who let me know that the sale date will be cancelled. Till this day it has not been cancelled yet. Spoke with another person in the same department but he was not helpful and giving erroneous and misleading information. Called the attorney myself to notify them about my modification review but no one called me back after several messages were left. The sale date needs to be cancelled as of right now the dual tracking law is being violated. Sale date is scheduled for XX/XX/year>. A notice of error notice has also been sent out.
Consumer complaint received 2022-09-16
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Conduent Incorporated (TX)

I tried to set up direct deposit with the way to go card and was told on the website that the transaction is suspended due to fraud on the card and to call customer service. When I called customer service the lady said I have to set up direct deposit thru the ivr I told her that does not sound right and also questioned her about the fraud message she keep repeating the set it up thru the IVR. I asked to speak to a supervisor she hung up on me when I called back. Someone answered and they never said anything just silent. I can only call this company so many times a month without being charged for calling customer service and the reps are playing on the phone hanging up and not saying anything when I call back. I just need to set up the direct deposit. The customer service is truly bad.
Consumer complaint received 2020-11-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Peter Roberts & Associates, Inc. (MA)

I received notification that I had a new collection account on my credit report. It states that it is to collect a medical bill. I have written them letters to have them returned to me for " attempted - not known '' and " refused ''. I have tried to call with zero response. I have no idea what this is for but I have 2 forms of health insurance and was never even informed I had outstanding medical bills nor did this collection agency ever send me anything.
Consumer complaint received 2021-08-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A. (PA)

I was in the forbearance program since the Pendemic, a few months ago I requested a streamline modification based on my financial status. I have contacted Flagstar Bank several times and spoke to different managers and they refuse to help me. I was told that I defaulted on my loan which is inaccurate because I never had a loan with flagstaff. My loan was with XXXX and never with Flagstar. I never once was given a deferral or anything else. A lot of folks I know who have a mortgage with flagstar and fall in the same predicament as I am were given a streamline modification with no problem. I am not sure why I'm being singled out. I've answered every question they have asked me and they refuse to give me the streamline modification which will benefit my financial situation right now. I am asking Flagstar to give me the streamline modification so that I can start making my monthly mortgage payments.
Consumer complaint received 2021-01-28
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: Experian Information Solutions Inc. (PA)

XXXX XXXX credit Open XX/XX/XXXX Amount XXXX Account was deleted from credit report on XX/XX/XXXX then added back on to credit report a year later after it was deleted
Consumer complaint received 2021-01-28
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. (NJ)

Federal Student loans are reporting on my Credit report with a balance of {$1300.00} & {$2400.00} Stating In XXXX was Green indicated Was paid on time then XXXX says 90days late how can XXXX be on time but jumps to 90 late in XXXX. Clearly an Error
Consumer complaint received 2022-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (NY)

On XX/XX/2021, i tried to purchase a gift card for XXXX XXXXXXXX XXXX XXXX XXXX for my family who were visiting XXXX, i got an error from the American Express that transaction was unsuccessful. Tried again same error. So my family came back on XX/XX/XXXX. After couple of days i saw a charge on my account that was processed and initiated on XX/XX/2021. After that i tried disputing it and as usual they rejected the claims by forwarding me some fake documentation from the company and when i compliant about it to their executive team no action from them as well. 
Amount was XXXX $
Consumer complaint received 2021-01-28
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. (MD)

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This is unacceptable and needs to be removed ASAP!