davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX M, XXXX XXXX, FL XXXX XX/XX/XXXX SSN : XXXX Dear Sir or Madam : As of XX/XX/XXXX it is still displayed on all three of my credit report files, TransUnion, XXXX XXXX XXXX. I was also notified that I could not use XXXX XXXX, CEO of XXXX XXXX XXXX XXXX on my behalf as my representative to dispute fraudulent alleged accounts. I have Attached several Documents so you can see the discrepancies on my XXXX credit report, the items I dispute on the attached copy of the report I received.The information on my credit report displays addresses that I have never resided in. What's fraudulently listed is the following ; XXXX XXXX XXXX, XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX This is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. 

Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 

This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 001, 002, 006, 023, 024. 

Sincerely, XXXX XXXX, Thank you
Consumer complaint received 2021-05-24
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (NJ)

On XX/XX/2021 Toyota Financial Services received a check for a payoff of my lease. On XX/XX/2021 as seeing the account was still open and showing past due, I called Toyota Financial Services to inquire about the status of the payoff. I was told that Toyota was missing the odometer statement that was needed for payoff and once the odometer statement was received the account would be closed and paid off. On XX/XX/2021, I called Toyota Financial Services to check on the status of the account and odometer statement. I was advised the odometer statement was received and the account was heading towards being paid off and closed which would happen by XX/XX/2021. On XX/XX/2021, seeing the account was still opened and still being reflected as past due, I called and was advised the account was in the process of being closed and paid off yet again. On XX/XX/2021, I received a call from Toyota 's Collection Department stating the account was 29 days past due. I informed Toyota that they received a payoff dated XX/XX/2021 and the account wasn't past due, that Toyota needed to do their job and process the payoff.

Toyota has engaged in unfair and deceptive practices as not to process the pay off of the account. Toyota has financial harmed me by having this account reflect as past due and reporting a 30 day late payment to the credit bureau, which is factually incorrect. Toyota continues to cause financial harm to myself.
Consumer complaint received 2023-02-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CO)

I recently refinanced our mortgage, which was utilized to pay off outstanding credit debt. XXXX XXXX sent a check to Synchrony Bank ( Care Credit ) in the amount of {$1100.00} on XX/XX/2022 to pay off the balance for our Care Credit account. Synchrony Bank has consistently insisted that they never received a payment, despite being given both a copy of the cancelled check as well as a copy of the bank statement from XXXX XXXX 's bank account showing that the check in that amount had been cashed. We opened a dispute three separate times ( most recently in XX/XX/2022 ) to have the payment reflected and Synchrony continues to indicate it's not been paid. I've continued to pay the minimum payment to avoid having the account go into collections and report to my credit report ( over {$200.00} extra at this point ). Synchrony refuses to credit the payment to our account, so we're essentially double paying at this point.
Consumer complaint received 2021-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2021-09-20
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. (FL)

The accounts are not mine. I do not recognize them and I am victim of identity theft. Please take a look at these accounts below and make investigation someone stole my personal data After investigation please delete these accounts from my personal credit profile XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX Please help me and remove them
Consumer complaint received 2020-07-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2019-03-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (LA)

1 ) I paid off the balance of the loan on XXXX, amount was {$4700.00}. Ditech reflected this payment on a statement they sent me dated XXXX. 

2 ) Even though the loan was paid off on XXXX, Ditech put through two monthly auto-draft payments for XX/XX/XXXX and XX/XX/XXXX, each in amount of {$1200.00}. For a total of {$2500.00}. 

3 ) Ditech sent me letter dated XXXX saying " your loan is paid in full '' and stated they they would send me any leftover escrow funds. I received the escrow fund balance check for {$2600.00} on XXXX. 

4 ) As of XXXX Ditech still owes me the {$260.00} for the two auto-drafts in XX/XX/XXXX and XX/XX/XXXX. During the month of XXXX I called their customer info line ( XXXX call center ), THREE TIMES, and each time was told that they understood the issue and that I would receive a return call to clear it up. It has never happened. 

5. I am considering legal action.
Consumer complaint received 2021-06-30
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (HI)

XX/XX/XXXX To Whom It May Concern, During XXXX I was in Home Depot buying some window blinds. The Home Depot cashier told me that if I opened a Home Depot Citibank credit card, I would get a discount on the blinds. I said yes, filled out the forms and bought the blinds with the card. The total cost of the blinds at that point was {$89.00} I did not receive a statement for the Citibank credit card until XX/XX/XXXX. At this point Citibank had posted a Late Payment of {$62.00} to that account. I believe that is a % XXXX late charge for XXXX months, or XXXX percent for the year. I wrote the Citibank Credit Card office a letter saying that this was the first statement received, that I was sending a check for the amount of the blinds and asked them to forgive the Late Charge because I didnt receive notice for XXXX months. If Citibank had sent a timely statement ( within 30 days XXXX, for sure I would have settled that account immediately. 

Today, XX/XX/XXXX, I am receiving XXXX to XXXX calls per day about a XXXX XXXX that in less XXXX months has grown from {$62.00}. to {$170.00}. The calls are always Robocalls and at no time is there an opportunity to speak with a human representative. 
The increase looks like this : XX/XX/XXXX : {$62.00} XX/XX/XXXX : {$87.00} XX/XX/XXXX : {$130.00} XXXX an increase of {$45.00} in XXXX month XXXX XX/XX/XXXX : {$170.00} XXXX an increase of {$46.00} in XXXX month XXXX These are Late Charges on top of Late Charges. This is at the very least predatory lending. To charge a late fee of {$170.00} on an original bill of {$89.00}, XXXX even an amount that was paid in full within XXXX months XXXX, and then tack Late Fees onto Late Fees is nothing more than an invitation to take advantage of customers. This should in no way be allowed. 

I believe that Citibank intentionally delays the original statement in order to start the Late Fees rolling. This is essentially a scam and should not be tolerated. 

I would appreciate your help in this matter. 

Thank you, XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (NY)

I paid off 4 debts with XXXX XXXX XXXX, but they were holding my money and not paying my debts fast so they could collect fee money. I would pay them {$300.00} a month and they would pay {$10.00} a month to debtors. So I contacted the debtors left, one is XXXX Resurgent. They agreed by phone to let me pay the rest of the debt by paying the {$230.00} 2 months and the debt would be paid. I recorded the phone call 2 times. I asked them to send it to me in writing and the following month they demanded the payments without a letter. I said as soon as I get the letter I will pay them. They finally sent a letter but with the full debt of the credit card, which I never spent, without any of the payments from XXXX XXXX XXXX included. They are refusing to honor their agreement with me and XXXX XXXX XXXX so I can pay the debt. Please help.
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Bread Financial Holdings, Inc. (TX)

I applied for a credit card at XXXX for a car repair on XXXX. Figured pay off in 6mths. Good deal. I use XXXX for my go to place esp. for oil changes, etc. They submitted my information and it came back as declined. I've never been declined on anything before. I went ahead and used my credit card to pay for the repair. I also spoke to the company when I was there. Verified my information, she kept saying I can't pull your information up. So why was it declined? 

I have since received a letter from Comenity Capital Bank based in XXXX OH, never heard of them. They apparently furnish credit cards for different companies such as XXXX. Reason for declining, states : " Inability to verify your previous credit experience '' what the heck does that mean. 

It states on the letter that they use XXXX based in XXXX, GA. I went to look up my credit report through XXXX and find there was no soft or hard inquiry from this company. None. I think I may have been discriminated against due to my last name. I hope not. I want an explanation as to why this bank declined me, when they didn't even run a report through this credit bureau. The other two bureaus, XXXX and XXXX show my credit score in the XXXX 's. I wasn't able to see the score with XXXX.
Consumer complaint received 2021-04-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (WA)

We had our first mortgage with XXXX lending until XX/XX/XXXX. The loan was sold to Flagstar Bank and our first mortgage payment with the new servicer was due on XX/XX/XXXX. The transfer from XXXX to Flagstar included the balance of the loan and an escrow balance of {$2600.00}. We made the XX/XX/XXXX payment to Flagstar which included the {$640.00} escrow payment bringing our total escrow balance to {$3200.00}. The loan was then sold back to XXXX XXXX. The XX/XX/XXXX mortgage payment was made to XXXX including the escrow. We refinanced in the mortgage and closed on that deal in XXXX of XXXX. We were expecting an escrow check from XXXX in the amount of the {$3200.00} plus the XXXX escrow payment. However, XXXX only sent the XXXX escrow amount as the indicate they never received the {$3200.00} from Flagstar Bank. 

I made my first inquiry to Flagstar Bank on XX/XX/XXXX. I have had multiple calls between both servicers. XXXX indicates they need proof of payment to research the case. Flagstar Bank has closed my case with them asking for the information 5 times over the course of three months. We still do not have our escrow money and neither company will help us. We need to find where this money is!
Consumer complaint received 2019-03-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (PA)

I have consolidated direct federal student loans, which is serviced by XXXX XXXX. I am enrolled in the PSLF program, work for a qualified employer, and have several years of qualifying payments documented by XXXX. Last year in XX/XX/XXXX, I submitted a new PSLF employment certification form, and I was only credited with 5 payments, when I had in fact made 10 qualifying payments during that time period ( XX/XX/XXXX - XX/XX/XXXX ). I have direct debit set up for my account, so the payment is made every month and on time. I contacted XXXX XXXX XXXX in XX/XX/XXXX to have them look over the payment history again and to re-calculate the qualifying payments. I was told there was in fact a mistake on their part and they would submit a request for review - I was told this would take up to 60 days. 60 days later, in XX/XX/XXXX, I hadn't heard anything so I reached out again. I was told the request was never submitted, so I then asked to have the request " officially '' submitted. I received verbal confirmation on the call that it was submitted for review, and I should hear back in 60-90 days. 90 days passed, and I called in late XX/XX/XXXX, and I was told it would take 6 months for the review to be completed. I just recently called again on XX/XX/XXXX, and spoke to a representative named XXXX ( ID # XXXX ), and was now informed the process takes 12-15 months and I should check back in at that point. I am frustrated because the timeline keeps getting pushed back, and the experiences I have had thus far, indicate that when 15 months goes by, I will likely be told to wait longer. It's a simple review of my payment history, since I have auto-pay set up for the student loan accounts.
Consumer complaint received 2024-03-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (NY)

SoFi bank froze my account since XXXX of last year it is now XXXX and my account is still frozen with no update response or verification nothing. They keep telling my me they would either close my account and send out a check but that hasnt happen either. i become nearly homeless because I couldnt pay my rent anymore. My account is still open and no one seems to taking my life serious I have my money in there and I need access to it please someone help this is theft company is a fraud. Its a online bank holding my money without my consent
Consumer complaint received 2022-04-07
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. (TX)

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion, XXXX and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX Balance {$320.00}, XXXX XXXX XXXXXXXX Balance {$820.00}, XXXX XXXXXXXX Balance {$150.00}, XXXX XXXX XXXX XXXX XXXX Balance {$1400.00}.
Consumer complaint received 2022-10-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (NV)

Original creditor is XXXX XXXX XXXXXXXX XXXX. Opened on XX/XX/2019. In collections with XXXX XXXX XXXX. The amount is {$1200.00}. I have been the victim of identity thief. I have received alerts of my information being on the dark web. Fraudulent accounts have continued to be opened in my name using my information. I attempted to gain more information about this fraudulent account through XXXX. No additional information could be provided. I disputed this collection with XXXX. I have locked my credit to prevent more fraudulent accounts from being opened using my personal information. I did not open this account, nor did I authorize its use.
Consumer complaint received 2021-04-05
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: Experian Information Solutions Inc. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ... XXXX  XXXX ... XXXX/XXXX  XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2020-01-28
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TN)

Collection Account : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Date Opened : XX/XX/2019 Amount : {$330.00} I got a response from the credit bureaus specifically XXXX  saying that the disputed account has been deleted. I have checked in the credit monitoring that I'm paying for and the account is still there. It is not deleted. This is my fifth time disputing this account with them and I keep getting these inaccurate, unfair responses. This account is not accurate because I had insurance. This was billed in error.
Consumer complaint received 2022-01-08
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: Experian Information Solutions Inc. (NC)

due to negligence and falsified information being reported from consumers, I have been struggling to obtain financial assistance during the economical impact that COVID-19 has brought for thus another year. I have many unverified accounts that present invalid information. I have attempted to reach out at the least 3 times, every 30 days with no results or answers relevant to my demand of validity. I am seeking a final step before legal actions are taken upon all three credit bureaus. they have all failed to respond within 30 days. I demand Justice. The bureaus allow this terrible work ethic and don't do a good job validating correct information. So many people have been failed by the bureaus lack of care and it is time to protect our rights. I have sent both my dispute requests and a failure to comply letter to all 3 bureaus which i will include in this report.
Consumer complaint received 2020-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (IL)

I have been a with AMERICAN EXPRESS customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.