davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-26
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Dynamic Recovery Solutions, LLC (OH)

Repeated phone calls at home and work, for a debt that I do not owe. Threatening to sue me. I have researched this company, and they have numerous complaints from other people. I believe this company is committing fraud and should be investigated. I am demanding that they cease all attempts to contact me, or else I may have to pursure legal action.
Consumer complaint received 2018-01-26
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: Synovus Bank (TX)

I decided I wanted to try and purchase a house at the beginning of XXXX so I pulled my credit reports. I have a XXXX XXXX credit card that is open and in good standing today. What I found upon pulling my credit report around XX/XX/XXXX was that there was another XXXX XXXX XXXX opened in my name around XX/XX/XXXX that does not belong to me. I submitted a letter to XXXX XXXX to let them know that the card that was opened, was opened without my authorization and does not belong to me. I did not receive a response to my letter sent. I then called XXXX XXXX around the end ofXX/XX/XXXX directly and they confirmed that I do have a current account in good standing and notified me that the account that did not belong to me would be removed immediately as it was issued without my consent or authorization to whatever unidentified party. XXXX XXXX has yet to remove this account from my credit report. It is hurting my credit profile and makes me look like someone who doesn't fulfill their obligations when it comes to extending credit. Please help me get this information removed from my credit profile.
Consumer complaint received 2024-02-19
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. (TX)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and DELETION because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequoia Financial Services (CA)

I began to really look at my credit this year and even pay for credit monitoring now when I noticed this collection account from SEQUOIA FINANCIAL SVCS. I disputed the item with XXXX, and on XX/XX/2019, they responded saying it was verified by Sequoia with no supporting documents. I also send a letter to Sequoia on XX/XX/2019 requesting verification as I know the debt is not mine. The certified letter I sent to Sequoia was signed for on XX/XX/2019. I never received any response from Sequoia, they never marked my credit report as being under dispute, which I have screenshot evidence of from my XXXX account, and I have never been able to get anyone on the phone. Instead, they continue to increase the amount they claim I, " owe, '' on my credit report. I waited patiently for some type of response and have never heard a word from Sequoia, so once again, on XXXX XXXX, 2019, I disputed this collection account with XXXX  asking for some type of verification to show this is my debt and I have not heard a word from Sequoia, however, in the last 2 days, XX/XX/2019 and XX/XX/XXXX, they have increased the amount they claim I owe, once each day, almost like a retaliatory action for disputing this item. I expect them to do it again today. They provide no response to my demand for verification, but, they keep increasing the amount of my credit report and now they are doing daily, which they have never done in the past, their past pattern shows them doing it monthly or even weekly, but, not daily. This is absolutely ridiculous and I am prepared to file a small claims claim against this company if this matter is not resolved. I live in California, not far from this company, so I will not hesitate to file a claim/case, however, I want the CFPB to investigate this company and their illegal actions, and I am hopeful it will be resolved at this level before I have to put the time and energy into a lawsuit. Supporting documents will be attached. I have been trying to resolve this matter since XXXX with no response, no response letters, no communication at all, simply ignored, no update on my credit report to show I disputed the item by Sequoia, instead, they have ignored me while continuing to increase the amount they claim I owe. I would appreciate all the help I can get from the CFPB with regard to this company, I want the item removed from all three of my credit reports and I want action taken against this shady company. Thank you
Consumer complaint received 2018-02-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (GA)

Last Reported XX/XX/XXXX Collection Agency I C SYSTEM Original Creditor 01 XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$160.00} High Balance {$160.00} Remarks Placed for collection The action I took was to deal with the membership company in regards to letting me postpone for a later date. I was unemployed at the time and only XXXX years old. They told me there was nothing they could do. I didn't want it affecting my credit at an early age which is why I want to fix it now. They were not helpful at all. I never received notifications that I am able to dispute.
Consumer complaint received 2015-08-06
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (NJ)

XXXXXXXXXXXX Cards ServicingI have XXXX credit cards, with them I am now working with a XXXX XXXX XXXX NJ, Each day I receive XXXX calls, and when I block that number they call from a different number. I already over and over spoke and explained my situation and gave representatives the Number to the XXXX of NJ.
Consumer complaint received 2022-01-06
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: AMERICAN HONDA FINANCE CORP (CA)

On XX/XX/XXXX I purchased a vehicle and was financed through a third party Honda Financial Services. On XX/XX/XXXX I sent an affidavit to this company. I have not received a response as of XX/XX/XXXX. I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Pursuant to 15 USC 1692a ( 6 ), XXXX OF XXXX is a debt collector. I as a consumer am aware that an unrebutted affidavit stands as truth in commerce. Within this contract I noticed a few federal law violations pursuant to XXXX and XXXX. 

XXXX OF XXXX have used my Social security Card aka " credit card '' as defined under 15 USC 1602 ( i ) '', to collect funds for their own benefits, and transfer it to me as a loan, without having any authority for such use, which is an unauthorized use under 15 USC 1602 ( p ), XXXX OF XXXX never revealed the name and address of the original creditor in ANY of the alleged loan document. The first item was that the finance charge did not include the sum of all charges directly violating 15 USC 1605 ( a ) as defined. In this contract the amount that is suppose to be the finance charge per law is described as the total sale price. I was also mislead to believe that this company required me to provide a cash down payment ( in the amount of 1000 US DOLLARS ) in order to be approved for this loan which is in violation of 15 USC 1662.

Pursuant to 12 CFR 1026.23 ( a ) and 12 CFR 226.15 ( a ), I HEREBY RESCIND the consumer credit transaction granting any security interest to XXXX of XXXX willfully and knowing misrepresented the " Truth in Lending Disclosure '' to create false and misleading representation about the use of credit, therefore XXXX of XXXX and its agents are civilly and criminally liable under 15 USC 1611 and 15 USC 1640. 

The notice provided in this contract was also incorrect pursuant to 16 CFR 433.2. With these discoveries pursuant to 15 USC 1692j this contract is false and deceptive. Also no right of rescission forms were provided to me which is a direct violation of 15 USC 1635a.
Consumer complaint received 2018-06-06
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. (MO)

After disputing the following inquiries the 3 reporting agencies concluded that the un- verified accounts been verified, neither company sent me any physical documentation to support their reporting inwhich the investigation stated " up dated ". Now according to the FCRA rule of law, if there's no physical evidence then the accounts shall be removed. The following inquiries in dispute are.. XXXX Credit Cards ( XX/XX/XXXX ), XXXX XXXX  XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX Miscellaneous Reptg. Agencies ( XX/XX/XXXX ), XXXX - XXXX ( XX/XX/XXXX )
Consumer complaint received 2020-08-12
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)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2017-11-16
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. (AR)

Many years ago we transferred a balance to our Citi card with an offer that had an Annual Percentage Rate ( APR ) of 4.99 % which would last until the balance  was paid in full. We have been steadily paying the minimum each month and have never been late. We moved to a new town in XXXX XXXX and switched banks. Since we were using XXXX we changed the XXXX to our new bank. Instead of taking out just the minimum payment like Citi has always done for many years, they took out {$5200.00} from our new checking account on XXXX/XXXX/XXXX. We were in the process of selling our house and buying another one. It was nerve wrecking to suddenly have over {$5000.00} gone from our account. After many phone calls and lots of promises ( " yes we see the problem, we have to talk to this person up higher, etc. " ), we got our money back on XXXX/XXXX/XXXX and the balance was returned to the card with the promise that the interest rate would still be 4.99 %. They lied. The next statement and all since have been 18.99 %. We have called them every month. They say they will fix it every month. We have to go through the whole story each time we call. They refund the exorbitant interest then add it on the next month which makes our payment more than twice it should be. Can you please get them to honor the 4.99 % which they gave me in the first place ( I have a paper dated XXXX XXXX, XXXX that says they will honor it again, they just have n't done what it says ) and can you get them to fix their computers so that my statement will reflect this and quit charging me an 18 % interest. It makes no sense to have to call twice a month to have interest refunded, once to explain what went wrong and again to make sure it was done. Then we have to wait until the statement comes out to see that it was n't done again.
Consumer complaint received 2019-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I brought my car to a dealership to get fix and used my capital one card..The dealership did not fix my car and the problem that I paid for is still not fix to this day..I disputed the charge with all the evidence of this evidence of the problem they were suppose to fix that they didn't ( they were suppose to fix a leak from a convertible car I have and the water was still coming in at the Same place they were suppose to fix ) I even had a license mechanic write a letter stating he seen the water too..I went back and forth with the dispute with capital one stating I was not going to pay for something that they didn't fix. ( they wanted me to spend XXXX dollars  to go get a water test for more proof ) I said the dealer ship that did the work on the car already did that and stating that is how they find were the water is coming in and fix it so why would i have to put more money out.I sent them again letters from my mechanic etc..The last time I talk to capital one I told them I had papers for court and ( I still have the court papers ) and I would take them to court and that was the last time I heard from them and my credit card was showing that I owed XXXX balance..So life went on and I got no bill from capital one..then all of a sudden almost a year goes by and they put that I owe them fee 's that I didn't pay from that car issue and late charges..which i never got a bill..I got a paper in XX/XX/XXXX showing again I owe nothing..Now capital one ruined my credit and I want this off my credit report..Still to this day being XX/XX/XXXX I still didn't get a bill from them..
Consumer complaint received 2016-02-17
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BB&T CORPORATION (TN)

I applied for a {$55000.00} loan against my current home which has no mortgage. I went to my local BB & T branch to do so but they called a dept. in another state. While at the branch the loan officer on the phone took information and was made aware that I was a long time customer. He told me what information he would need. I gathered all the info, took it back to the branch the next morning where they scanned and emailed him the documents. I asked that he rush the loan through. A week later he called and asked for all the same info again. He had let it sit for 7 days without doing anything. The loan finally made it to the appraisal process. BB & T made the appraiser aware of it on a Tuesday, he came on Friday and submitted the appraisal to them on Sunday night. Another week and a half went by. The loan officer asked for XXXX more pieces of info she said was supposed to be attached to the home. The appraiser had asked for the same info and was given it from a file I kept on the home, he took a picture of it and said I had everthing he needed. By this time, 22 days had passed. On XXXX XXXX, 2016, I sent an email asking BB & T to cancel this loan application as I had obtained a loan at a local credit union. Five more days later, she responded, 'Okay, thanks for letting me know '. When I received the appraisal in the mail, XXXX of the pictures was not even of my house and XXXX of the comments was not describing my house. 
On XXXX XXXX I received a Reason for DENIAL form letter with a check mark by Value or Type of Collateral Not Sufficient. I contacted the original loan officer who told me that wether they deny or I withdraw a loan, they mark it as a denial. For example, since I did not submit the document they requested because I withdrew the application, they mark it as a denial because documents were not submitted. After further questioning he said Federal Guidelines dictated this. The FDIC has confirmed that this is not correct. BB & T should have listed this loan as a withdrawal by the consumer and that is what I want them to do.
Consumer complaint received 2019-10-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Premier Student Loan Center (IA)

I signed up with Premier Student Loan to Pay on My loan and refinance it to a lower interest rate. They told me that they had paid off the bulk of it and that I only owed {$8000.00}. I paid {$30.00} per month for over a year and a half. Now they are out of business and I just got a bill for XXXX
Consumer complaint received 2020-07-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/XXXX, I discovered {$4800.00} had been transferred out of my savings account on XX/XX/XXXX. I called my bank immediately. The bank rep froze my accounts. After reviewing my accounts, the rep and I discovered 3 more transactions from my account for much smaller amounts which occurred on XX/XX/XXXX ( {$2.00} ), XX/XX/XXXX ( {$98.00} ), and XX/XX/XXXX ( {$25.00} ). The Chase rep said I would be receiving the money from 60 days prior to the day of discovery which was XX/XX/XXXX. I reviewed the policy on Chase.com which confirmed what the bank rep had said. I closed the accounts and opened new account later that day. In late XXXX, Chase bank changed their story and said I would only be receiving compensation for the 1st two transactions. Their reasoning was their policy is actually they refund 60 days from the 1st incident. This is not in the policy posted on Chase.com. I have filed a complaint with Chase ; however, it has been over 10 days and I have not received a call from this department. To this day, Chase has not provided me an explanation of how my savings account info was stolen, why they are not honoring their policy listed on Chase.com, and why they did not investigate my claim. I know they did not investigate because the transfers when through XXXX. I contacted XXXX who confirmed Chase did not reach out to them about my incident. This is important because of the 4 fraudulent transactions on my account, only 3 of them are similar according to the bank statement description. The 4th and largest transaction is different in nature. XXXX was unable to determine if all transactions were related. It is entirely possible there were multiple parties who acquired my bank information. If XXXX is unable to determine if these transactions are related and Chase did not reach out to XXXX, it is impossible for Chase to have completed their investigation and concluded all transactions are from the same source. It appears Chase did not perform any investigation at all.
Consumer complaint received 2018-06-06
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. (HI)

I placed a dispute with XXXX requesting that a XXXX   negative item be removed from my credit report due to the first day of delinquency had exceeded 7 years. 
XXXX did not remove XXXX negative item despite the FDOD being longer than 7 years. 
XXXX investigated the dates of the MOST RECENT transactions instead. 
XXXX  said the most recent transaction were correct so they were not going to update my credit file. 

My dispute was not about the most recent transactions dates - it was about the oldest transaction dates with exceeded years. 
XXXX  removed the older dates from my credit report - having it appear as if the 7 years had not been reached. 

Since I am making this complaint there is another item - A XXXX XXXX debt that has also passed the 7 year DOFD. 
I want XXXX to follow the law & update my credit report with the removal of FDOD items. 

I placed the same dispute with XXXX  - they removed both items that were beyond the FDOD reporting window. 
I placed the same dispute with Equifax - Equifax also didn't investigate the FDOD - they confirmed the dates of the MOST RECENT activity - exactly as XXXX has done.
Consumer complaint received 2022-02-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC (FL)

Just got this in the mail today and I wan na pay it off. So yall dont send this to me no more cause I dont use trust bank anymore, so when I send this please close the account cause I did already and yall still sent this to me when it wasnt at a negative balance.
Consumer complaint received 2019-03-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (OR)

On the XXXX of XXXX I sent in a payment of {$5000.00} which you received but then was lost before it could be credited to my account. 

I was asked to send over the copy stubs of the money orders which I did. After many phone calls to your call center being given inaccurate information with nothing being done I was escalated to the US escalations department. 

Again after nothing was done following my many phone calls and my time being wasted I finally asked to speak to a manager, I was connected to one named XXXX XXXX. He was very rude and dismissive. It was disgusting the way he spoke and treated me. He looked for any way to shift responsibility to me. He asked for copies of the money orders. No one takes copies of money orders or checks that is what the stub is for. I informed him that I didn't have copies and it was a very unreasonable request. I was told it was too bad and there was nothing that could be done for me. I then received a email saying my problem had been resolved. It most certainly was not resolved. If this is how management acts I'm not surprised in the way I have been treated. 


Many thanks XXXX XXXX
Consumer complaint received 2024-02-19
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. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or REMOVAL of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-20
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. (MN)

All of the Adverse and negative information and accounts listed on my XXXX Credit Report Reference Number : XXXX is inaccurate and not my negative information or accounts. There shouldnt be any negative accounts or information listed on my credit report at all. No accounts or information should be currently listed on my credit report.