davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-16
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: LoanCare, LLC (WA)

" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"
Consumer complaint received 2022-06-16
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: Maximus Federal Services, Inc. (GA)

Only the holder of the original note can collect on the debt that exists on the instrument. If you did not sell this instrument I need you to produce it. If you did sell my instrument you should have contacted me to inform me prior to doing so. Your company is furnishing an account to my consumer report without my permission. I am requesting the original document and physical proof one exists that gives your company permission to furnish this account to my consumer report. This document must be a bilateral contract between your company and my self that gives your company permission to furnish this debt on my consumer report. You must prove that I am the obligated party for repayment to you or delete this account from my consumer report. Providing a statement that you have an agreement with another company and not me is not sufficient proof that I owe your company anything. Continuing to furnish this account to my consumer report without providing the requested information is FRAUD and a violation of my consumer rights and I will not hesitate to bring legal action against you.
Consumer complaint received 2024-03-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synovus Bank (IL)

I'm reaching out regarding a troubling matter of XXXX XXXX that's directly affected me. Unauthorized accounts have been opened in my name, causing significant distress. Particularly alarming is a XXXX associated with XXXX, which I firmly deny involvement with as I never agreed to any terms with your company. Despite my repeated efforts to address this issue, you have failed to provide convincing evidence validating the account 's legitimacy. 

Complicating matters, XXXX seems to be dismissing my concerns despite submitting disputes and providing a detailed XXXX report. Additionally, the XXXX XXXX XXXX has resulted in the fraudulent opening of XXXX other accounts in my name. To compound the situation, XXXX XXXX XXXX is pursuing me for a debt related to an account I have no knowledge of. 

I seek resolution and request a thorough investigation into these matters. Any claims made against me should be supported by tangible evidence, including the original contract with my physical signature. I urge for prompt attention to this issue to rectify the inaccuracies and alleviate the undue burden on my financial standing.
Consumer complaint received 2022-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (FL)

I was with discover for a few years and Ive always paid my card off in full every month. They cancelled my card out of nowhere. Ive called so many times like 10 trying to get answers with no response. Please help!
Consumer complaint received 2022-06-16
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2023-02-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (WI)

This apartment complex had 6 different managers while I lived there. Terrible company with terrible reviews. I moved out back in 2019 and gave all rights and responsibilities to an ex. Even agreed that I wouldn't get any of my security deposit back. He stayed living there for another 2-3 years and owed money when he moved out due to carpet cleaning, damage to the walls, etc. This was not my responsibility! The apartment manager never filed my lease termination, never took me off the lease, and charged me for these costs after he moved out. I was never notified of this debt, I happened to see it XXXX day on my credit report through XXXX XXXX. They sent this straight to collections and never gave me a chance to argue this before it went on my credit report. See lease termination document below.
Consumer complaint received 2022-06-16
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2021-10-07
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am a victim of identity theft. I have lots of information in my credit information that are inaccurate. Please excuse me of these items, It is affecting my job and livelihood.
Consumer complaint received 2021-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Hello, and How are you doing during this global pandemic specially Covid19? I cant wait for this to be over honestly! But listen, I was shocked today when I reviewed my credit report and found late payment remarks on my credit even during covid on both of my credit cards and there is a restriction on it now too. Remember, i called you guys that i never received the replacement cards too!??! 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account on the month that you marked me late on my credit report.
Consumer complaint received 2022-06-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANKMOBILE TECHNOLOGIES, INC (NY)

I had a name change official in XXXX of XXXX. I recieve student financial aid disbursements on my account, and can not access my funds on my account. My schools administrator contacted the financial institution to address the issue without success.My banking profile shows my old name and not my current name.I sent proper documentation to the financial institution to make the necessary changes. The financial institution will not honor the changes, nor will they release the hold on my account.
Consumer complaint received 2022-06-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (FL)

I pulled a copy of my credit file two months ago and see an AMEX reporting that is unknown to me. I requested validation via the mail and never received anything back. I have no records of this account and do not owe them anything. Please help
Consumer complaint received 2024-03-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CHARLES SCHWAB CORPORATION, THE (FL)

I have submitted several bill payments using Charles Schwab bill payment service on XX/XX/XXXX. 

These payments have not even been processed until XX/XX/XXXX according to the information available online, and some of the payees still have not received the payments as of today, XX/XX/XXXX almost TWO WEEKS since the requests were submitted. 

As a result I have been charged interest and late fees on the payments that missed the due date because of this delay. 

I have noticed that Schwab chose to use paper checks for these payments rather than electronic transfers, which was probably the main cause of the problem. The same payees have been paid via electronic payments in the past. 

When I called support, I was informed that bill payment service is provided by a third party, and Schwab has neither control nor responsibility over it. I find this unacceptable, because I am a client of Schwab, and bill payment service was promised to me by Schwab, not by a mysterious third party ( for which Schwab support wasn't able to even provide a contact number for me ). 

My request for a refund of the expenses I incurred due to this delay was rejected ( the support person literally laughed when I mentioned it ), and I was advised ( probably, sarcastically ) to contact USPS, since they are the ones responsible for the delay, according to Schwab.
Consumer complaint received 2024-03-08
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (TN)

I contacted Ally Auto Finance to proceed with the Lease buyout amount of {$45000.00} and it was paid on XX/XX/2024. Shortly after that I have called Multiple times asking when the title will be sent, so that I can sell the vehicle. I keep getting told they will send me an email for signature and then Title will be released. I keep asking who will send it and can I please speak with that department, because it is not being sent. I was told NO they do not take phone calls and I just have to wait until they are caught up with their work. It is now XX/XX/2024 and I still have no solution. I own a vehicle that I could have sold, but Ally Auto refuses to send me my Title. I feel discriminated because there level of assistance changes when they ask and I give them my name although this vehicle was finance in my company name. I am lost for knowledge on what I can do next. I am loosing money everyday I am unable to sell my vehicle, because i do not have the title. They have told me my call are being recorded, so I hope to get ahold of the correct department to listen to the conversations and they remedy this process.
Consumer complaint received 2024-03-08
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (MI)

I entered into debt management with a company called XXXX in XXXX of XXXX. We sent proposals to all creditors and Discover accepted the contract for both of my credit cards. My account would be closed to keep the balance from increasing. Everything has been very smooth and Discover was great at changing the due date and reporting the new payment amount. My issue is it reports as closed by credit grantor when I believed it was my proposal that would close the account at my request.
Consumer complaint received 2024-03-08
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC (GA)

Westlake Portfolio Management ( wpm ) sold a XXXX XXXX XXXX XXXX XXXX XXXX. The vehicle was collected on XX/XX/XXXX and sold on XX/XX/XXXX. I XXXX XXXX was in the middle of litigation with the OC ( Original Creditors ) U.S. Auto Sales which is also affiliated with the lien holder U.S.Auto Finance. I received a judgment on XX/XX/XXXX that the contract that WPM claims to have POA on from U.S. Auto Sales/U.S. Auto Finance was considered with a Final Order rescinded. On XX/XX/XXXX that order was final, a law firm by the name of XXXX XXXX XXXX who also represented WPM in a previous case case number XXXX. They also decided to represent U.S.Auto Sales inc filed a motion to set aside default and tried to open a default on XXXX XXXX. As of today the judgment still stands I No longer have a contract with U. S. Auto Sales/ U.S. Auto Finance nor do I have a contract with WPM that collected XXXX dollars plus on a vehicle they sold and sole from private property. and they continue to want to collect on something that has been canceled per state rules for FRAUD. XX/XX/XXXX the judge stated that his choice of cancelation of the contract still stands
Consumer complaint received 2022-06-16
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: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX Account # XXXX, Account XXXX Account # XXXX, Account XXXX Account # XXXX, Account XXXX XXXX Account # XXXX, Account XXXX XXXX XXXX Account # XXXX, Account XXXX XXXX XXXX XXXX Account # XXXX, Account XXXX & XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Mortgage Company : Select Portfolio Services, ( SPS ) Mortgage Account Number : XXXX Property : XXXXXXXX XXXX XXXX  XXXX, XXXX CA XXXX On my credit report SPS incorrectly reported I was in foreclosure on XX/XX/XXXX and XX/XX/XXXX. My account is current and I was not in foreclosure during this period. 

I called in XX/XX/XXXX and first told that they did not submit any negative reports to my credit record. I would need proof to show SPS posted incorrect report. 

On my second attempt XX/XX/XXXX, I spoke to SPS Representative XXXX, I told her I had proof that the SPS did report I was in foreclosure. Her response is the report is correct. I can TRY to submit request for correction to the credit bureau but it will take 30 days however, their records show it's correct. 

I did try to speak to my Relationship Manager XXXX with no success. My calls were immediately redirected another representative. 

I am extremely frustrated with SPS with their consistent misinformation and lack of assistance. I feel they are holding me hostage. 

I am requesting for your assistance to have SPS correct my credit report. This has caused me undue hardship. Any help will be greatly appreciated.
Consumer complaint received 2021-10-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (IL)

This dispute is in response to your recent claim regarding account # XXXX, which you claim I owe XXXX. Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. You continue to call, mail, email and contact my family members and I am moving forward with legal actions. This is not my account and I do not owe this debt.
Consumer complaint received 2021-11-04
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. (GA)

I have sent numerous documents to Equifax, XXXX, and XXXX 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 demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2021-02-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: TD BANK US HOLDING COMPANY (DC)

Dear Madam/Sir, I currently have a mortgage and a HELOC with TD Bank. To benefit from the lower interest rates, I wanted to re-finance my mortgage and found a lower interest rate through XXXX XXXX XXXX in XXXX. With the new interest rate, our monthly payments will be approximately {$1000.00} per month lower. We locked in the new rate and completed our file, with everything good to go. XXXX XXXX XXXX got in touch on XX/XX/XXXX with TD Bank to secure the subordination of the HELOC. Since then, TD Bank has been unresponsive, except one email they sent on XX/XX/XXXX, asking that a check of {$220.00} be sent ( without specifying to what address the check is to be sent to ). Despite various reminders from me as the consumer and from XXXX XXXX XXXX, TD Bank has been completely silent - see attached copies of emails to this effect. As a result, we are at a risk of losing our lower interest rate. ON XX/XX/2021, we had to pay {$3000.00} to extend our rate-lock in ( and not to mention the {$1000.00} we are losing by not having the lower rate ), still while waiting for TD Bank to respond. When I call TD Bank and get managers on the phone, they consistently say the subordinations department does not have a phone number and the managers themselves can not reach them. I am at my wit 's end and can not believe that a financial institution like TD Bank is able to essentially hold us hostage. 

I am happy and ready to provide all details ( account numbers, copies of emails ... etc ). 

Thank you.
Consumer complaint received 2022-06-16
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: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX, Account # XXXX, Account # XXXX, account # XXXX, XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-10-07
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. (TX)

I have been for over a year now trying to work with the company to have these items that are not mine removed from my credit files and it is now ruining my credit. I received mail with another young ladies name showing that these are her accounts and not mine. Per looking at my credit reports, the payments have been on time and I am not the one that is making these payments! Now since I have had to call each agency to have the accounts closed it has started to ruin my credit. The agency has sent me letter stating that they have asked the credit bureaus to remove the accounts from my file as it is fraud, but the credit bureaus are all stating that the company sent them a statement that the items are mine. These accounts are not mine and were opened fraudulent