davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-15
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (TX)

XXXX XXXX XXXX XXXX and Transworld Systems XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  PA XXXX XXXX ( Account # : XXXX ) both has contacted me about the same debt and from my observance these companies are working together to cause havoc and collect debts via predatory practices. They also have succeeded in causing deep concern, confusion and created a portal of fraud tunneling. I asked them to send a letter in the mail that was never received. The company XXXX  that they may have purchased the debt from had a forwarding address that I left with the company for any future concerns and XXXX XXXX and XXXX has decided to take it upon themselves to disregard the wishes to send any and all info to this new address. I also requested via phone call for them to mail me a letter and never received any written correspondence at the forwarding address provided. XXXX XXXX and XXXX does not/ do not have permission to use my personal info outside of this forwarding address now or in the future. These companies manipulated a family member into accepting info for this debt via an online tools. They now have my information in their system without my permission and have breached my privacy across multiple sources and have started more fraudulent attacks and opened funnels for identity theft and XXXX  XXXX. I have sent a Cease & Desist notice due to their deceptive practices on my behalf and do not owe or agree to any debt with these companies for my self and on behalf of XXXX XXXX XXXX XXXX XXXX. I request that XXXX XXXX  XXXX and XXXX never use, access or sell our information for any reason at any time indefinitely. I am keeping a log of all of the phone numbers that I manage and will pursue {$1000.00} per each violation. A cease and desist will be sent to all companies involved.
Consumer complaint received 2017-07-31
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (NC)

The company called me at my work place after asking them not to on XX/XX/XXXX.Once they finally stopped they called my fianc leaving her messages on both XX/XX/XXXX and XX/XX/XXXX which she has on her phone stating  the debt that I had with them, saying that they did n't want to stay until XXXX XXXX XXXX XXXX and I had to call them back before that time. They even said they were a debt collector on her voicemail. I have told them that I was facing financial difficulties and I am working to get payment to them as soon as I can. I feel at this point that I am being harassed by them.
Consumer complaint received 2018-05-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (NY)

XXXX home phone services indicated that I obtained home phone service from XX/XX/XXXX through XX/XX/XXXX which is untrue. My building is and has always been wired to only XXXX services since the opening of XXXX. I have contacted the XXXX in regards to this matter of this debt collection that is not mine and I provided bills within that time period indicating I have had XXXX   since XX/XX/XXXX and I have also provided ample documentation from my landlord stating XXXX is the only wired service in this building and no other providers are allowed. The end result was that the case was closed on XXXX 's end due to the findings and documents provided on my behalf. Now I receive a different collection of debt letter from another agency, with another amount that is less than the original debt, with the same client account number. I am being harassed after going through this a time before and this is causing a disruption in my life especially when I didn't sign up for any XXXX XXXX  services. XXXX couldn't even verify an installation of services and there was no account or payment activity on the account.
Consumer complaint received 2019-10-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: SUNTRUST BANKS, INC. (FL)

I had a SunTrust account. However after my account was fraudulently used, I filed a claim. The claim was then denied from SunTrust so I filed a rebuttal. The rebuttal was also denied. My account at that time was then negative {$1000.00}. Eventually I received a letter from SunTrust telling me my account had been closed due to insufficient funds. 

All the while, I still had no received my income tax return. After believing my account was closed and following up with the IRS it turns out that my income tax check was in fact deposited into my closed account. SunTrust told me there was nothing they can do but I now only owe them about {$400.00}. I am so beyond upset and I would like a resolution. Seeing that the initial issue wasn't my fault in the first place.
Consumer complaint received 2017-10-13
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: SYNCHRONY FINANCIAL (FL)

I have never been in a guitar store. On XXXX XXXX the account was closed. I no not know where they got my name. It is a collection for {$3700.00}. 

Thank you, XXXX XXXX
Consumer complaint received 2018-02-01
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. (OH)

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion. 

This account was removed from my report, and then illegally reinserted to my transunion account. In accordance with FCRA I was supposed to recieve a notice within 5 days that this account will be added back to my report. I believe as an consumer this violates my rights as I have once proved I have no knowledge of this account for the amount of {$570.00}.
Consumer complaint received 2019-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

On XXXX XXXX my auto lender with my account # XXXX XXXX XXXX XXXX has deleted the negatives on my account and place my account on " Current Status '' as of XXXX XXXX. 
Prestige Financial Services Account Vice President XXXX XXXX has sent XXXX, XXXX, Equifax and me a electronic email verification on placing my auto loan " Current '' status as of XXXX XXXX. 
Here is XXXX  XXXX XXXX  information ,XXXX XXXX XXXX XXXX, XXXX, Utah.XXXX.XXXX direct number XXXX.and fax XXXX I am respectfully requesting a expedited updated credit scores and credit report as I am going through a VA Loan and purchase process with XXXX XXXX  to purchase a new construction home with XXXX XXXX in Florida. 

I highly appreciate your support as I am XXXX XXXX, XXXX and a XXXX XXXX XXXX Military Veteran. 
Thank You for your wonderful support for our US military Veterans and all Citizens in the Communities of America. 
Very Urgent Matters!
Consumer complaint received 2019-03-05
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: SELECT PORTFOLIO SERVICING, INC. (NY)

I'm divorced XXXX I had a joint mortgage with XXXX they released me XXXX it was sold to XXXX XXXX then sold again XXXX to Select portfolio services ... ..XXXX Select Portfolio Services is now recording his loan on my credit ... .XXXX is out of business XXXX will not talk to me, because I'm not on the loan, but I was able to get a letter of release from XXXX, SPS will not honor it. SPS says the former banks did not know what they were doing and have be mistaken since XXXX. 

From what I understand, is that my X husband is the successor because the house was given to him in our divorce decree and when you do a modification after divorce you become solely responsible. My name is not on the Loan Modification and I did not need to sign the modification because the home belongs to him along with the promissory note. I also read that a loan modification is consider an assumption. 

Please help me, I just tried to help my daughter to get a loan for a car and we were turn down because of this error. We will try another bank Thank you for your time in this matter. 

XXXX XXXX
Consumer complaint received 2017-09-07
Product: Payday loan, title loan, or personal loan — Pawn loan
Issue: Property was sold — 
Company: TMX Finance LLC (GA)

XXXX XXXX sold my XXXX XXXX XXXX without informing me of a sale date. They told me that they did not have to tell me who they sold the car to. I know that this is illegal. By law Inwas supposed to be given first choose to but the car. I want to rescind the loan and get my car back from the person they sold the car to.Title XXXX are crooks and they need to be exposed.
Consumer complaint received 2019-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XXXX XXXX my auto lender with my account # XXXX XXXX XXXX XXXX has deleted the negatives on my account and place my account on " Current Status '' as of XXXX XXXX. 
XXXX XXXX XXXX Account Vice President Ms.XXXX XXXX has sent XXXX, Transunion, XXXX and me a electronic email verification on placing my auto loan " Current '' status as of XXXX XXXX. 
Here is XXXX XXXX XXXX information XXXX XXXX XXXX XXXX, XXXX, Utah.XXXX.XXXX direct number XXXX.and fax XXXX I am respectfully requesting a expedited updated credit scores and credit report as I am going through a VA Loan and purchase process with XXXX XXXX  to purchase a new construction home with XXXX XXXX in Florida. 

I highly appreciate your support as I am XXXX Lifetime, Retired and a US XXXX Honorable Military Veteran. 
Thank You for your wonderful support for our US military Veterans and all Citizens in the Communities of America. 
Very Urgent Matters!
Consumer complaint received 2024-03-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (AZ)

While in XXXX visiting my XXXX  I was charged XXXXXXXX XXXX while I was in XXXX and it was holiday weekend so I had to wait til XXXX to speak with someone. Filed a fraud claim and was given a new card and temp credit fast forward XXXX weeks later my account is now negative XXXX XXXX because the bank said I need to provide evidence to support my claim. I have banked with chime for XXXX  years no issues and they hang up on me everytime I ask for a XXXX
Consumer complaint received 2022-09-09
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. (CA)

In XXXX of 2022, XXXX  XXXX XXXX 's online bill pay system sprouted some technical bug, due to which it misses the last digit " XXXX '' of my primary bank- XXXX XXXX XXXX - account number. I had autopay set up on my XXXX  card with the very same XXXX XXXX account number for years now. Due to this, there was an approx. {$13.00} missed payment which I did not notice ( since autopay was set up! ), which cause a XXXX point drop in my credit score. I have never missed or had a late payment before in the last 7 years of banking with them ( or any other bank for that matter ), and I never carry a credit balance. I promptly paid off the {$13.00} as soon as I noticed the issue, the month after the payment was due. 

When I called XXXX customer service countless times to resolve this, they have been unable to fix the technical issue, and they have refused to fix the mark on my credit report for an error that is due to their system. If their customer service uses the same XXXX account I have saved/linked on my account, to make a payment over the phone, that process just fine - So it is 100 % not an issue with an incorrect account number or any such thing. I am lost now, and have been unable to escalate this to someone who can actually make a difference. Extremely frustrating. 

Next, I disputed this transaction with the credit bureaus, explaining the technical glitch that XXXX has and has been unable to resolve for me, yet Experian ( and the other 2 bureaus too ) have refused to fix this delinquency mark on my credit report which has brought down my credit score by about XXXX points, and has actually affected my life and my ability to take on more credit, even though I have plenty of savings and am a high earner.
Consumer complaint received 2024-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I received a XXXX payment of {$1500.00} on XX/XX/XXXX, which I did not recognize Upon realizing this, I promptly became aware that the funds were not intended for me. The rightful owner of the funds has since reached out, requesting their return. However, despite their request, my bank has advised me to retain the funds due to an existing negative balance in my account. This presents a conflicting situation, as the owner rightfully seeks the return of their funds from me. I'm deeply distressed by the situation, especially given my recent job loss, which has heightened my XXXX XXXX XXXX  The owner of the money is threatening to take legal action against me. In response, I've contacted Capital One Bank to inform them that the funds in do not belong to me and they have stated to keep the funds even though theyre not mine.
Consumer complaint received 2019-03-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

Bank of America will not accept a cash deposit on a current account holder 's account unless the individual making the deposit on behalf of the account holder has an existing account with Bank of America. On Sat. XX/XX/XXXX a {$500.00} deposit was made to my account in the form of a money order. It was not applied until Tuesday XX/XX/XXXX. On Monday XX/XX/XXXX I made three separate deposits to my accounts. The third deposit was made at an ATM around XXXX, at which time my account on line reflected a positive balance. Then the following morning XX/XX/XXXX my account reflected several items coming through, including 3 overdraft fees totaling {$100.00}, all before my final deposit was credited to my account and before an ACH deposit of {$3000.00} was credited Bank of America intentionally manipulated my deposits and the drafts to my account to cause an overdraft scenario. When I called to ask that they refund the overdraft charges to my account they refused even after speaking with a customer service associate and a supervisor.
Consumer complaint received 2019-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CO)

On XX/XX/19, I wanted to unfreeze my credit to apply for a loan. However, my Equifax online account was not accepting my password, so I was locked out after 3 attempts. I phoned the Equifax customer service who sent me a reset password link. After successfully resetting my password, I attempted to login again ( one time ), and it said I was locked out. I called Equifax 's customer service again, who immediately placed me on hold to " access my details ''. After a few minutes, the represented returned just to ask if he could place me on hold again. Eventually he returned and offered to send me another password reset email. I explained I had already done that and was still locked out. He placed me on hold for a 3rd time to " access my details ''. Multiple times throughout the call he had long periods of silence. I then explained I wanted to unfreeze my credit ( forget about resetting my password completely since that was entirely unsuccessful ). He proceeded to follow the process to unfreeze my credit and started asking me verification questions. There were literally *minutes* that went by that he would not say anything in between. And, he'd repeat the same questions again. One question which I felt uncomfortable with was " Do you have any credit cards? '' To which I answered yes. But there was no follow up question. Finally, I asked to be sent to the phone survey, and he would not hang up. He finally just concluded by saying he has a process to follow and he was unable to verify my identity. I clearly asked to go to the survey and to be disconnected. I stayed on the line, but was never sent to the survey. He never unfroze my credit, and never helped me reset my password.
Consumer complaint received 2017-10-12
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: Maximum Title Loans, LLC (AZ)

XXXX trucks repossessed after working with them on setlling on date agreed. I agreed to pay amount Paid {$2500.00} and they said it 's not current. Asked to pay additional {$370.00} with no details on fees tagged on. 
Actions taken. Called to request detail additional charges and advised I would pay to bring current to get trucks back. Plus I had received numerous personal harrasing text from the Company
Consumer complaint received 2019-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (OH)

I am still having issues with syncb I XXXX XXXX never applied for a credit card or care credit with this company. iam asking for a letter to delete the info from my XXXX report. I NEVER applied for this and have no knowledge. please send me proof that this is legit. I need a letter from syncb that states that I never made a credit inquiry XX/XX/2019. When I call they say they have no info. if you have no info then why is it being reported to XXXX? I need this resolved, please. I never applied for a credit card or anything. I need a letter from syncb to send to delete it from a credit report. iam asking for a letter and not getting anywhere. this is fraudulent
Consumer complaint received 2019-03-05
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: Consumer Portfolio Services, Inc. (TX)

On XX/XX/2019 I sent a letter to this company requesting removal of their inquiry on my credit report. I have no knowledge of applying for this company. I asked them to please remove the inquiry unless they have my permissible written copy with my hand writing as per the FCRA. This company is NOT being complaint with the FCRA. After sending them my letter I received a return to sender as this company is not in business? 

This should not be on my credit report.
Consumer complaint received 2019-03-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CountryPlace Acceptance Corporation (NY)

this is an on-going problem with this company. I live in a XXXX XXXX XXXX and if the lot rent is not paid by the XXXX - their late fee is like {$100.00}. My mortgage late fee is {$5.00}. 
I only get paid twice a month so I paid the lot rent on my first pay and the mortgage on the 2nd pay of the month. I never go over 30 days. I email an ACH authorization form over in the beginning of the month telling them which day to deduct the money. 
no problems until recently when I noticed a couple months ago the money did not come out as scheduled ( always a Friday ) I had to call and they had to search for it and get it processed. Then this month I sent over my authorization form telling them to deduct the money on XX/XX/XXXX ( 2nd pay of the month ). they did it today causing my account to overdraw and cost me {$50.00} thus far. I called and no one is available to speak to. 
Since they were not authorized to draw money from my account until the XXXX what course of action do I have?
Consumer complaint received 2019-03-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (PA)

On XX/XX/2019, around XXXX Eastern Time, A guy by the name of XXXX XXXX promised me he could make me more money so I transferred XXXX $ on XXXX. It sounded legit because I had to go through my bank to sign on and give them money through it. I trusted him so i did and he then told me he got it and I would recieve a larger payment soon. He then blocked me on every website and all I have is his name and phone number. I asked wells fargo for a refund, and now im locked out of my account and I called XXXX and told me they couldnt help me.
Consumer complaint received 2021-09-01
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: EQUIFAX, INC. (NC)

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX xxxxxx XXXX XXXX Owner INDIVIDUAL Account Type Installment 15 months TRANSFER_OR_SOLDbalance {$0.00} High Credit {$11000.00} Date Opened XX/XX/XXXX Date of First Delinquency XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX CONSUMER DISPUTES REINVESTIGATION IN PROGRESS xxxxxxx XXXX CHARGE_OFF Individual Installment 56 months Balance {$7300.00} Date Opened XX/XX/XXXX Date of First Delinquency XX/XX/XXXX CHARGED OFF ACCOUNT I do not own either one of these accounts with XXXX. Same account number different loan type and amount. Same dates? I know a woman by the name XXXX whom had a personal vendetta with myself was indeed fired over this particular situation however this bank is still reporting on my credit derogatory two different times still monthly and I have disputed it redundantly and I have contacted the bank personally. They refuse to do the right thing. 
Thank You XXXX XXXX
Consumer complaint received 2024-03-14
Product: Credit card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A. (PA)

I was pre-approved for a Home Depot consumer credit card in the amount of {$2000.00}. I was told to call Citibank for more information. I called them at XXXX. Was told yes I have been approved. 

Fast forward to today, XX/XX/24, enter Home Depot and they can not find my information. After waiting on hold, I was told I was approved for {$1000.00}. 

I looked up the phone number and its a known scam.