davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

Attention XXXX XXXX and or XXXX XXXX, This is concerning CFPB Case Number XXXX that was filed concerning missing direct deposit tax refund checks. I have the reference numbers and tracking number of the missing electronically filed and deposited tax refunds. The first year is XXXX state XXXX and federal XXXX. Then XXXX XXXX, and XXXX federal XXXX and state XXXX. These are the tracking numbers for XXXX, XXXX and XXXX. The XXXX federal return I can't seem to locate and I received the XXXX return delivered in the USPS mail. I have talked with XXXX XXXX and have been contacted by XXXX XXXX XXXX concerning the missing funds. These funds were to be direct deposited into the Citizens Bank of XXXX XX/XX/XXXXXXXX XXXXXXXX XXXX on XXXX XXXX in the XXXX XXXX XXXX in the XXXX XXXX XXXX XXXX XXXX XXXX would appreciate your immediate attention to this issue and I have filed these transaction numbers with the Federal Trade Commissionor and the FDIC Bank Insurance. I am required to file taxes since my AGI is above {$25000.00} by federal law and I receive my correct amount at the end of the year. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-03-27
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (CA)

National credit systems inXXXX Is charging me a balance of XXXX for a identity theft it has effected my credit and drop my credit down I don't have knowledge of this debt that was made is telling me that I lived in another state city when I been employed in XXXX XXXX California my whole life I can proof I been employed here my who life and live here my whole life
Consumer complaint received 2022-04-01
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. (AL)

In correspondence with FCRA, XXXX and Transunion have violated my rights w/Account # XXXX alleged company : XXXX 15 usc section 1681 ( 602 ) ( a ) states i have a right to privacy 15 usc 1681 section ( 604 ) ( a ) ( 2 ) consumer agency can not furnish an acct without my written instructions 15 usc 1692f ( 1 ) unfair practices ; thus XXXX has violated my rights as well I have asked several times to remove inaccurate account, please remove
Consumer complaint received 2021-11-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TX)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on LVNVFUNDG ( XXXX XXXX XXXX XXXX ) XXXX Balance {$97.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2022-04-01
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TOYOTA MOTOR CREDIT CORPORATION (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XX/XX/2022 Toyota Motor Credit XXXX XXXX XXXX, XXXX XXXX, ia, XXXX Dear Toyota motor credit, I am responding to your contact about collecting a debt. You contacted me by [ XXXX XXXX XXXX XXXX XXXX fl XXXX in the months of XXXX through XXXX and identified the debt as XXXX charge offs of XXXX and XXXX. I do not have any responsibility for the debt youre trying to collect. 
If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. Where is the proof that I signed for these cars with my personal signature and ID? I would also like for these two debts to be removed from my report. I did not authorize these cars on my report. 

Thank you for your cooperation. Sincerely, XXXX XXXX
Consumer complaint received 2021-11-11
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

I'm not swayed that 3 Credit Bureaus are efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on BK OF AMER. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2020-09-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

Lakeview Loan Servicing out of XXXX XXXX Florida is the mortgage holder on my home. They have not paid the property taxes to this date. I became aware of this when I began getting delinquent tax notices from the City, School and County. I called Lakeview and sent them copies of these notices in XXXX. Since that time I have received notices from the tax attorneys for each taxing entity and every time I call Lakeview Loan Servicing, they tell me it is under review. I have been put on hold for up to 1 hour on occasion with each person telling me the same thing, it is under review. Finally, I was told a check would be overnighted to the taxing entities on XX/XX/XXXX. After checking with them today, they have received a check. I called again today, XX/XX/2020. and have been on hold for one hour and was told the same thing, its under review. 

I am not sure what remedy you can do other than hold them accountable for paying the taxing entities as they should. 

Thanks
Consumer complaint received 2018-07-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SUNTRUST BANKS, INC. (OK)

On XX/XX/XXXX we initiated 3 separate wire transfers to an account at Suntrust bank in the amounts of {$12000.00} {$16000.00} and {$20000.00}. The wire transfers listed XXXX XXXX XXXX as the beneficiary ( XXXX offices only exist in 2 states and Suntrust does not have branches in either one ) and the listed beneficiary did not match the account holders name. The money was intended to be for closing costs on a real estate transaction. One transfer completed on the XXXX and the other two completed on the morning of the XXXX. On the XXXX when we realized this was part of a wire fraud scheme our local sheriff department immediately reached out to the known contact he had at Suntrust ( he had the exact same situation occur a few weeks prior ). He was told at that time that all of the money was still in the account and a freeze was placed on the account. On Monday the XXXX we met with him and he called to verify that funds were still in the account but over the weekend they released almost XXXX of the XXXX that was sent. 

I called independently to ask what their policy was when a wire transfer was received that had a beneficiary that did not match the account holder and was informed their policy was to reject the transfer ( standard banking practice ). This clearly did not occur for the 3 separate transfers and all 3 were accepted. It is also worth mentioning that the account was newly established and with only {$100.00}. 

This event stems from someone emailing and pretending to be our closing agent. They actually provided me two separate Suntrust account numbers during the whole ordeal. I have since emailed that person and was provided with a third Suntrust account number. Including the first victim that is four total Suntrust account numbers. Clearly Suntrust has an issue and do not follow their own protocols that would protect themselves and their customers from being victims of these schemes. 

We have been told since XX/XX/XXXX that we would be receiving just under {$29000.00} back and that a check had been issued and would arrive by XX/XX/XXXX. The check has not been received.
Consumer complaint received 2017-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (WI)

Our business has a credit card with US Bank. We 'd previously always paid the card directly through bank account we also had with US Bank. After closing the accounts, we paid with a check. The payment on our card was due on XX/XX/XXXX and our bank indicates the check was cashed on XX/XX/XXXX. However, US Bank has not credited the charge to our account and is charging us a {$39.00} late fee.
Consumer complaint received 2018-06-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

House was built new and purchased in XX/XX/2008 for {$180000.00}. The mortgage was purchased and moved to Bank of America from the original loan company. I refinanced for a lower rate with Bank of america a few years ago. Currently my balance is {$130000.00} and the value is {$200000.00}. The LTV rate is 67.8 % but Bank of America refuses to remove the PMI. Every time I contact them they send me a packet of paperwork showing that I have to pay over {$500.00} for an appraisal before they will remove the PMI. A banker at Bank of America even mentioned that their internal proprietary database shows the home value is {$200000.00}.
Consumer complaint received 2020-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On XX/XX/2020 XXXXXXXX XXXX received a letter from me addressing the fact that they were in violation of the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30 day period. I sent subsequent letters to XXXXXXXX XXXX on XX/XX/2020 and XX/XX/2020 both addressing the inaccuracies on my credit report. Although XXXXXXXX XXXX responded to one of my letters, they never advised the Credit Bureaus of my direct dispute to update the comment section on my account. The account has never stated that it was ever disputed as required by FCRA laws. I sent Transunion and XXXX documented evidence and a letter dated XX/XX/2020 notifying them of XXXXXXXX XXXX   violation of FCRA Section 623 ( a ) ( 3 ). Both companies did not take action and gave me no response to my dispute.
Consumer complaint received 2018-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Conn's, Inc. (SC)

In short, this company is in violation of the law. They are reporting inaccurate late payments on my credit report from 2017. I was not late and have showed this company proof of my payments yet they still refuse to remove the late payments. Also, according to the law while an account is in dispute I, the consumer should not make any payments to the company and the company can not report my account to the credit bureaus while the account is in dispute. Once again Conns has acted as they are above the law and violated my rights as a consumer. ( Please see attached for more detail on the situation )
Consumer complaint received 2018-07-26
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: Convergent Resources, Inc. (MI)

I filed two disputes with XXXX. Informed XXXX that accounts do not belong to me, they were originally opened when i was not of legal age and I could not have a phone in my name at that time
Consumer complaint received 2018-04-09
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HYUNDAI CAPITAL AMERICA (NJ)

I received a notice from XXXX XXXX in XXXX, New Jersey stating I could turn in my lease early and owe nothing on the old lease. I went in and made it clear I would not do it unless I would not owe anything. They assured me - both the salesman and the finance manage that it would be an even swap. My lease shows that it is. I have the form I was sent in the mail. 

About two months later I received a bill from XXXX XXXX XXXX that I owed {$2000.00}. I explained the situation and they said, " We have nothing to do with Hyundai. '' They turned it over to XXXX XXXX, XXXX in XXXX, New Jersey and they are telling me they will take me to court. This started in XX/XX/XXXX. I wrote them a complete explanation and heard nothing until this month ( XX/XX/XXXX ) when they threatened to take me to court. 
I feel this was a " bait and switch '' by XXXX XXXX and XXXX XXXX XXXX. It was XXXX XXXX XXXX who held the first lease and it was they who the finance administrator called to get my pay off while I was there!
Consumer complaint received 2022-04-01
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. (FL)

I am a victim of Identity Theft. I have requested that the credit bureaus remove these fraudulent items that are reporting, numerous times. The credit bureaus, and creditors have never provided any proof that these are my account, no contracts or signature have been provided. The fraudulent items are 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 I want these fraudulent items removed from my credit reports. They are also reporting incorrect names and addresses
Consumer complaint received 2018-07-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Atlas Services, Inc. (IN)

I called after receiving letter.. verified income and then verified current budget.. offered reasonable payment of XXXX $ per month for XXXX worth of collection due to being primary income and hardship. No negotiation. stated I can pay the current amount suggested but they would continue with action against me. 

i stated I was willing to set up settlement or monthly payment. They were not willing to do either. I stated I would like to avoid court costs and negotiate terms. They stated they would not be willing. 

Phone call XX/XX/2018 XXXX XXXX
Consumer complaint received 2020-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I have disputed these inaccurate reporting with XXXX Experan and XXXX  several times to no avail. The following addresses are incorrect and do not belong to me XXXX XXXX, XXXX XXXX., XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX. I never paid the following accounts late XXXX XXXX XXXX  and Experian is reporting late payments XX/XX/XXXX through XX/XX/XXXX, XXXX is reporting late payments XX/XX/XXXX through XX/XX/XXXX. I did not open the XXXX XXXX account XXXX XXXX is reporting an open date of XX/XX/XXXX, XXXX is reporting an open date of XX/XX/XXXX this reporting is not mine, I did not open the XXXX account XXXX XXXX is reporting opened on XX/XX/XXXX this reporting is not mine, I did not open the XXXX XXXX account XXXX XXXX  is reporting opened on XX/XX/XXXX, Experian is reporting opened on XX/XX/XXXX this reporting is not mine, I did not open the XXXX XXXXXXXX XXXX  XXXX account XXXX XXXX  is reporting opened on XX/XX/XXXX this reporting is not mine, I did not open the XXXX XXXXXXXX XXXX   XXXX XXXX. account XXXX Experian is reporting opened on XX/XX/XXXX this reporting is not mine, I did not open the XXXX   account XXXX XXXX  is reporting opened on XX/XX/XXXX this reporting is not mine, I did not open the XXXX account XXXX XXXX  is reporting opened on XX/XX/XXXX this reporting is not mine. I have reached out to the credit bureaus to help me to get this matter resolved. Are XXXX, Experian and XXXX  considered furnishers? These are not my accounts and XXXX Experian and XXXX  have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.
Consumer complaint received 2022-04-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (CA)

This is a re opened complaint. This complaint is revolving and unsolved by Synchrony bank. 

Attempts were made to report identity theft to Synchrony in XXXX when sent a credit card increase amount for a card not mine. Synchrony went through 6 months of investigation and continued to deny my report ( not sure why they would accuse the person reporting of " benefiting? '' from an account reported as fraud? ) Attempts were made to clear my name through an alternative route, since Synchrony refused to acknowledge the account as fraud in XXXX XXXX  XXXX. Account was closed and taken off all XXXX credit reporting agencies. 

Account sold to XXXX, in my name, by Synchrony without my knowledge or consent in XX/XX/XXXX. 

Account reported as fraud in XXXX, once learned it was still under my name. 

All pertinent information was sent, certified mail, to Synchrony, on XX/XX/XXXX. Synchrony does not need to write me as they have passed the deadline to produce the documents I have requested. 
All information included, Synchrony currently has : 1. filed police report 2. proof of closed accounts in XXXX on all XXXX credit bureaus. 
3. Letter of steps taken ( sent to Synchrony previously ) to resolve the matter 4. Proof of credit standing prior to identity theft and before Synchrony 's negligence in the matter of identity theft. 
5. Reported theft of my name, social and address to : CFPB, XXXX,, company, credit bureaus frozen/fraud alert , postal service. 

In that letter, I requested the following, for my records ( under section FCRA, section 609 ) : 1. Original signature page of application for the credit card account claimed as mine 2. Original transactions and billing statements on the account claimed as mine 3. Original documentation of sign off to XXXX XXXX and how account was acquired/sold to XXXX. 
4. All documents shall be sent by mail so that I may catch the imposter, since Synchrony is unable and unwilling to do so for me. 

Synchrony was given over 4 years to produce the documents mentioned above ( XXXX ). This is a repeat offense. Synchrony did not produce documents by mail as requested then, or now.
Consumer complaint received 2021-05-04
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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I see multiple XXXX 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 2020-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I have attached copies of my file from XX/XX/XXXX and XX/XX/XXXX of this year. XXXX XXXX had reported the account as being 30 days late one time in XXXX of XXXX ( on the XX/XX/XXXX report ). But as you can see on the XX/XX/XXXX report, the account now shows a series of delinquency from XXXX through present with the existing status of 120 days delinquent. The report date of the item in question is XX/XX/XXXX and XX/XX/XXXX respectively. 

I disputed this with the bureaus who sent it to XXXX XXXX. XXXX XXXX   provided the attached letter indicating that indeed the account was only late in XXXX and that is how they reported it to the bureaus. 

I spoke to a credit bureau representative who provided the standard : " We are not arbitrators. If XXXX XXXX sends us the data, we report it ''. 

I am stuck in a loop on this. The error ( either at XXXX XXXX 's reporting or on the bureau level ) is costing me thousands of dollars in financing fees.
Consumer complaint received 2020-09-19
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: Rocket Mortgage, LLC (GA)

On XX/XX/2020, XXXX XXXX from Quicken Loans pulled my credit without my permission. Now it is on my credit report as a hard inquiry, and I wish for it to be removed. Furthermore, XXXX XXXX should be investigated for possible fraud or identity theft since his actions were against the law. 

Here 's his information : XXXX XXXX Quicken Loans Phone : ( XXXX ) XXXX NMLS # XXXX Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-05-04
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: EQUIFAX, INC. (FL)

I sent equifax a certified mail letter on XXXX. Till this day they never responded to me. I am stressed that they failed to respond and its been over 45 days. 
Equifax is in violation under XXXX XXXX XXXX, they are reporting inaccuracies and unverifiable account on my credit report. I am requesting the removal of all disputed accounts
Consumer complaint received 2021-05-04
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: Experian Information Solutions Inc. (CA)

I submitted a dispute with experian and the report came back resolved and deleted from my report on XXXX then XXXX with no proof or change the item was placed on my report and no new findings were documented sent to me l want this item removed immediately from my report.