davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-23
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: SYNCHRONY FINANCIAL (TX)

I Have reached out to XXXX XXXX, phone and mail over a 100 times and get no where I have told them multiple times all the inquires the I have attached are fraud I have sent police reports, FTC reports even a Fraud Victim complaint form and got it notarized, I even sent the letters from SYNCB because they act like they never received it from SYNCB and I know for a fact they did the proof is here. Ihavecontacted each creditor and they have asked met oreach out to XXXX personally to have these fraudulent inquires removed from my credit report anblocked Iwill List them below Sync/XXXX XXXXXX/XX/2022, Sync/ TJXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SYNCB/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX these are all fraudulent inquires and I want them removed as they are violating my Fair Credit Act Laws 15 U.S. 1681 section 602 states I have the right to privacy.

15 U.S. Code 1681 c -2 A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information they results from an alleged idenity theft not later than 4 business days after the date of this receipt.
Consumer complaint received 2022-02-07
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: FORD MOTOR CREDIT CO. (FL)

Ford Credit XXXX XXXX XXXX, XXXX, XXXX XXXX ATTN : DISPUTE /CLIENT RESOLUTION SPECIALIST RE : ADVERSE ACTION DATED XX/XX/XXXX Recently, I, XXXX : XXXX, was denied an extension of credit by Ford Credit. On, XX/XX/XXXX, I applied for financing secured by the property ( XXXX FORD XXXX ) to be purchased from XXXX Ford , Inc. 

As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S. Code 1691 ( c ) and you assume civil liability pursuant 15 U.S. Code 1691 ( k ). Ford Credit has violated my federally protected consumer rights : 1. 15 U.S. Code 1642 2. 15 U.S. Code 1681M 3. 12 CFR 1002 Since the letter you sent me dated XX/XX/XXXX is both a proof and evidence that I have been discriminated against, you are also criminally liable. Ford Credit should resort to reasonable procedures to rectify this affair and compensate me for the use of my Social Security Number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 

Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

As a furnisher, it is your explicit responsibility to promptly notate when an account is under dispute. I've been disputing the following account for a frustrating 8 months, and despite the mandated 30-day timeline, you have consistently failed to update the comments section to reflect the ongoing dispute. We're now in the eighth month, starting from XX/XX/, and yet you still haven't taken action to notate the dispute.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SANTANDER HOLDINGS USA, INC. (MD)

Over the pas XXXX years I have discovered that on every occasion where I applied for credit that there was more than XXXX hard hit on all of my credit reports. I believe in the national scoring system, but its the national banks that abuse the inquiry process. There should never be more than XXXX hard hit per application. Therefore, I must submit my complaint through the Consumer Financial Protection Bureau. This attached complaint makes a request not only for the original inquiry, but but all inquiries collectively as a basis of fairness. There should only be XXXX hard hit inquiry per application. DELETE THESE INQUIRIES!!!
Consumer complaint received 2015-05-07
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Service Finance Holdings, LLC (MN)

We purchased a new door through XXXX. They verbally called Service Finance for approval and told us the payment would be $ XXXX/Month. We did not sign anything related to financing at this time. We then received a statement from Service Financing for {$240.00} monthly payment. When we questioned it, they provided the paperwork that they say we signed. The signature on the document is forged, it is not my signature, and it is clearly copied ( the exact same signature ) multiple times throughout the document. It is not dated, and the section asking for my birthday is not completed either. 

We advised Service Finance Company , LLC that we believed our signature was forged and were disputing this, and they still sent us to collections! Now my credit has been impacted. 

In addition, the financing never should have gone through, because XXXX did not schedule the inspection ( he arrived unannounced ) and was not allowed into the home, so he could not have correctly signed off on the inspection as it was not completed. But I believe that is an entirely different issue?
Consumer complaint received 2015-11-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Risecredit, LLC (OH)

This company is calling me 4-5 times per day. They have gotten me in trouble at my job for calling. I have explained to them the circumstances and that I would be unable to make a payment for the next two months. I explained that after two months, it 'd be no problem. I have begged repeatedly for them to stop calling me. They have told me they have the legal right to call as many times per day as they want to if I do not pay them the money owed. My payment was due less than two weeks ago. I have spent a minimum of 30+ minutes a day explaining the situation over and over again. I literally do n't have anything to send them yet.
Consumer complaint received 2015-09-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I stopped paying on my mortgage XX/XX/XXXX. I lost my job and had to move for work to another state. The forclosure process began XX/XX/XXXX. Then it was sent to collections in XX/XX/XXXX. The bank dragged its feet and delayed the forclosure sale and the deed transfer was not completed until XX/XX/XXXX. I do not understand how this is possible. As a result of the bank purposefully stalling the forclosure proceedings i have been harmed. As the XX/XX/XXXX date looks like my forclosure occluded, I am not eligible for the FHA mortgage fresh start initiative or other programs due to the '' banks zombie title ". I need help with what my rights with this matter are.
Consumer complaint received 2016-12-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (LA)

Bayview loan service took over the servicing of loan number - For XXXX DATE XX/XX/XXXX. 
This company has missed manage this loan the the principal is constantly being manipulated.There seems to be some kind of fraud with the principal balance on the documents. 
When I called in and asked about the loan customer service told me that the loan was 13 months behind and i said how can that be when you have been getting the payments.She asked if i was in a loan modification i told her we were not in any loan modification. 
Then my wife called in on XX/XX/XXXX and customer service XXXX tells her that there is {$7800.00} in a suspense account she said to her why do they have it in there she said she would move it over and that it would take 24 hours to show up in the account. 
Then my wife called in on XX/XX/XXXX and XXXX said there is {$480.00} in the suspense account. 
The original loan amount -XX/XX/XXXX- {$81000.00} Loan amount on XX/XX/XXXX- {$89000.00} Loan amount on XX/XX/XXXX {$88000.00} Loan amount on XX/XX/XXXX {$88000.00} Loan amount on XX/XX/XXXX {$86000.00} On the XX/XX/XXXX to XX/XX/XXXX. The suspense account had {$1900.00} in it. 
They applied the money from the suspense account to the loan. 
The balance was brought to {$86000.00} date XX/XX/XXXX. 
I want to know why this account has so much inconsistency with it and what happened to the {$1900.00}. 
Now the balance is back to {$89000.00} after what looks like they did some type of reversely on this account. I have sent documents to show some of the inconsistency on this account. 
Deliberately creating a technical default or wrongfully declaring a default in order to generate fees and penalties.
Consumer complaint received 2016-10-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NH)

I have had a credit score of XXXX for an extended period of time and have always paid any and all my bills on time. I was told several months ago by one of the credit reporting bureaus that my credit score could never be XXXX due to the fact I do not have XXXX ( lines of credit ) credit cards! I use an XXXX product ( XXXX ) on my PC and I receive my credit score every 3 months. I found the last score was XXXX and ran an Equifax Report which showed no inquiries were made over the past two years. I have no negative accounts, collections or public record information showing on the Equifax report. I have worked 40 plus years to get my credit to the highest point possible and find now my credit score is dropping! How can this be remedied?
Consumer complaint received 2016-04-09
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Systems International, Inc. (TX)

XXXX XXXX XXXX, XXXX XXXX whose phone # is XXXX reported my name to the credit bureau for {$260.00} for failure to pay him. The child was covered under medicaid and they refused to bill medicaid for services rendered.
Consumer complaint received 2015-10-20
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Oracle Financial Group LLC. (OH)

A supposed XXXX XXXX called my employer stating he was from Oracle XXXX, left his number for me to call back, I work XXXX shift, my employer then calls me at home to give me the message. His callback number is XXXX, I work for an XXXX XXXX XXXX, I have no clue what this is regarding, when I called back he would n't give me any information other than this is a debt and he is sending the police to arrest me at my work if I do n't pay him {$1500.00} right now. I told him to NEVER call my work again and hung up, he immediately called my work again.
Consumer complaint received 2016-02-16
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (NH)

I made the decision to use WESTERN UNION to transfer {$500.00} to a stranded friend in XXXX, XXXX XXXX. She was homeless, no cash, and with her young son. The WESTERN UNION Website advertised that they would be able to get it to her same day. IT HAS BEEN 6 DAYS SINCE I SENT THE MONEY!!! AND MY FRIEND IS STILL WITHOUT IT!!! I have called and written with no resolve. SHAME ON YOU WESTERN UNION!!!!! She has all the necessary ID and numbers needed. They use the excuse of being a chain and not having control over their vendors. THAT is CORPORATE XXXX!
Consumer complaint received 2015-10-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

I have a bank account with Bank of America. to transfer money between accounts, they have a {$1000.00} limit per day, unless you get a text message code, or get XXXX card. 
I have recently relocated back XXXX XXXX after living and working XXXX for a year ). During this relocation my XXXX card malfunctioned, and will not allow me to transfer money. Now that i am living outside of the United States, Bank of America will not provide me with a replacement XXXX card ( as they do not send overseas ), and I can not get phone text messages ( again due to me being outside of the United States XXXX. Due to this, I am unable to transfer my money XXXX more than {$1000.00} a day ) between accounts, and outside of the United States back home. 
As I was working in the United States for a year, I have a substantial amount in this account, that I would like to get access to. 
And to make matter worse, they have a policy of not replacing a XXXX card within 30 days of updating an address. Which I was not aware of. So after relocating to XXXX, and getting a house to live in, I updated my address, then tried to apply for the XXXX card. I was told that I need to wait for 30 days, before I can re-apply for this card. 
So, I have waited for 30 days, and have just been informed that I can not get this card at all ( unless I change my address to a friends place, wait another 30 days, then get it sent to my friends who can then forward it on to me ).
Consumer complaint received 2023-06-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

To Whom It May Concern, Since XXXX XXXX XXXX  days ago, Chase Bank has failed to preformed, in turning over to me, XXXX XXXX, the sole trustee and beneficiary, access to the money my parents left me, in the XXXX XXXX XXXX. They have on file the trust, death certificate and trust tax I D number. Chase said they don't have enough money in the bank and it would be reviewed in their Florida offices, where a check will be mailed to my home address.. 

When I've ask, what is happening, Chase replies, the account is in review, or we can't get in touch with them because of the time difference, or we are looking in to it. When I asked for the address of the Florida Legal offices or a phone number, the refused to give it. 
An other bank, in the XXXX XXXX XXXX gave us the funds within a week. After speaking with an attorney, he said they should have turned the money over then.
Consumer complaint received 2016-10-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

I applied on line to open a checking account with XXXX Bank and they use Equifax. They asked a series of questions to prove my identity, which I failed because the questions had questions of other people with my same last name XXXX XXXX XXXX that have nothing to do with. There information is incorrect. I change my name in court when I was XXXX, and never married or had anything to do with ant person with my new last name in XXXX years.
Consumer complaint received 2024-03-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WSFS FINANCIAL CORPORATION (CT)

Wilmington savings is asking me for an astronomical amount of money on a second mortgage that I haven't heard from in 20 years and they are foreclosing on my home I was not prepared for this it is deceitful and deceptive and unfair the original mortgage was {$49000.00} in XXXX as of today XXXX they are asking me for {$160000.00} I am devastated I'm unsure what to do I am a single person that doesn't have a lot of money and I am also XXXX XXXX XXXX they are not even offering me a modification and I can't afford a lawyer
Consumer complaint received 2021-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: Carvana Group, LLC (IL)

I went to the Carvana.com website to look at possibly buying a car through them. Something happened and will not be able to purchase a car for 2 years now. I had opened an account on Carvana.com. I now want to delete my account so that in case there is a data breech my personal info will not be compromised. I tried to cancel it on line but there is no way to do this there. I then tried chat on their website where it said I could as long I have not done any financial parts of the account, which I have not done. I then spoke with a customer service rep who said I could not and gave me a portal do do it on. I tried that portal and it only allows people from California to delete their accounts. I want my account deleted and they will not do it.
Consumer complaint received 2024-03-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DISCOVER BANK (MI)

I Requested Discover update my account with the correct payments from the bank statement. Instead, they updated the file as current to further hurt credit. They then charged more interest so the balance was reported as 119 % above and moved the last account activity day to a current day to further hurt credit. Finally they move the charge off date 2 years further in the future to prevent me from ever having credit
Consumer complaint received 2023-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Ability Recovery Services, LLC (MD)

An XXXX XXXX Account was opened and applied to my credit report under false pretense. I never applied to, attended, inquired, or signed any commitment to that academic institution. However it is has been applied to my identity and credit report, also creating a financial burden, mental anguish, employment denials, as well as held up my first home purchase which has rendered me nearly financially drained, as well as nearly homeless. My identity being compromised has not only been with XXXX XXXX. I am continually being harassed by this creditor and affiliates. I am also being denied fair opportunity to gain employment, home purchase, and other essential life needs.
Consumer complaint received 2017-01-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (TX)

Convergent Outsourcing is trying to collect a debt for XXXX on an account I had in XXXX. The bill I owed when I relocated to XXXX was {$25.00}. I received a bill in the mail today stating that I owed the creditor {$790.00} with an offer to settle the debt for {$470.00}. I knew that this was wrong and I contacted them and they told me that I only owed the said {$25.00}. I advised that I would pay this bill but requested a document/bill stating that was the amount owed. I had researched this company and it seems that they do this more frequently than I realized. Attempting to collect a higher amount, and if you disregard they will ruin your credit. This needs to be addressed I feel since it can be considered fraud (?? ) possibly?? Or as I felt when I received this bill harassed. I have the account number and document and written documentation of my conversation with Convergent this evening. Thank you.
Consumer complaint received 2023-06-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CA)

I am having an issue with a mysterious, old debt related to my XXXX XXXX account that I closed in XX/XX/. It was closed with XXXX debt. I have emails from XXXX stating that my account balance is XXXX dollars. I have emails documenting my account activity. I paid my bill using autopay from my debit card. XXXX had my card on file. 

In XXXX of this year I received an email from XXXX stating that I have an outstanding balance of {$44.00}. Apparently they were collecting for Jefferson Capital, who was collecting for XXXX XXXX. I asked for details, explaining the whole thing in detail. I am attaching a printout of my email communication with XXXX. They acknowledge that they don't have a record for me and told me they will cease collection activity on my account ( please refer to the attachments for a detailed overview ). XXXX account fell of my XXXX credit report after that conversation. They never stopped harassing me via email despite their multiple statements that they are not collecting on the debt anymore. Eventually I just blocked their address. 

This brings us to today, I checked my XXXX credit report, and that collections account is back on my credit report. I have explained my times that I will pay what I owe, I need to know what I am paying for and why. This is beyond frustrating, I know I can just " resolve '' the issue by paying the {$44.00}. It doesn't fair or prudent though. Thank you for your help. XXXX XXXX XXXX. I have many more emails that I can forward. I would need an email address though.
Consumer complaint received 2016-10-04
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America , N.A . closed my BankXXXX XXXX XXXX XXXX XXXX card account ( among others ) without the 30 day notice required under XXXX law and confiscated XXXX " travel reward '' points that I had available at the time.
Consumer complaint received 2015-11-06
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I disputed in the latest part of our case, number was XXXX. 
XXXX XXXX and XXXX XXXX could not get my full response inside the small box, so I did say that in my pushing dispute I have to open a new number to our case. 
I tried to attach the response letter, but it looked like it did not attach like the rest of my previous attachments did.
Consumer complaint received 2024-03-09
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Global Lending Services LLC (IL)

The account Global Lending Services account number # XXXX, is currently showing inaccurately on my credit report on XXXX, XXXX and XXXX. Pursuant to 5 U.S.C. 552a ( i ) ( 3 ). I am requesting that this item be removed permanently from my credit report immediately. This statue states that the agency which fails to maintain any record with accuracy, revelance, timeless and completeness as is necessary to guarantee fairness in any determination shall not use such record.
Consumer complaint received 2023-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I did not authorize the following credit inquiries on my report & I ask that they be removed from my credit report because it's impacting my credit worthiness. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX