davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (GA)

Debt Collector : LVNV FUNDING LLC Original Creditor : XXXX XXXX XXXX XXXX XXXX balance : XXXX After reviewing my credit profile. I identified this inaccurate fraudulent account under Eastern Account System. I have not received any correspondence from the creditor to validate this account is correctly belonging to me, nor has my credit report been updated to reflect this account is disputed and therefore a 2nd validation letter was sent out on this day, After reviewing credit report again on XX/XX/2022 there has been no updates and account is still reflecting on my report. This account does not belong to me nor does the creditor have authorization to access the account nor authorization to attempt to collect on this account and the account continues to negatively affect me. 

At this time, I will also inform you that your offices have reported invalidated information to all XXXX credit bureaus ( XXXX, XXXX, and XXXX ) this action will constitute fraud under both Federal and State laws. Due to this fact. If any negative mark is found on any of my credit reports by your company that you represent I will not hesitate in brining LEGAL ACTIONS against you and your client for the following Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collections Act, and Defamation of Character.

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

Section 604A Section 2 It also states a consumer reporting agency cant furnish a account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) Section States no consumer reporting agency may make many consumer report containing of the following items of information Any other other adverse item of information other than records of convictions of crimes 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate Please strike and remove this account from all 3 credit bureaus ( XXXX, XXXX, and XXXX ) XXXX adequate validation has been received proving that the account belongs to me and all information is correct
Consumer complaint received 2022-11-30
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (FL)

My father passed away and left me the home. I kept paying the mortgage and everything was going well. I fell behind on the mortgage XXXX, XXXX. Since then, I have been attempting to get the loan into my name and the mortgage modified. I could not get anywhere with XXXX so I hired a law firm XX/XX/XXXX. Since then my law office has collected multiple documents from me. I have been told that I have sent in the wrong application 4 times. I have sent in 5 applications and many supporting documents. My review keeps getting closed out and my lender is not advising counsel of my attempts to bring the loan current and telling their counsel I am not trying to save the home. This time I called on XX/XX/XXXX and I was told I needed to send a profit and loss, tax returns and a letter of explanation. The profit and loss and letter of explanation were sent on XX/XX/XXXX, the taxes sent on XX/XX/XXXX. Today, XX/XX/XXXX I called to check loss mitigation status and I was told the review closed out yesterday. I inquired as to why and I was told the letter does not say and so she doesn't know. Also, today the lender 's attorney sent an email that states " I do not see our office or our client have received any documents to review the loan for Loss Mit '' This is completely false as I have been attempted to be reviewed for over 2 years. I am unable to get a single point of contact to make sure all documents are in. Every time my review gets closed out I speak to a supervisor who says they will fix it however this keeps happening. I am now at risk of paying out of pocket for mediation, which I do not trust will be successful. If the lender 's loss mitigation department would review mediation would not be necessary. I would really like the servicing of this loan to be investigated as I do not feel that I am being treated fairly. My loan is XXXX XXXX  and I know there are programs to help me. Thank you.
Consumer complaint received 2024-12-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (CT)

On XX/XX/year>, {$48000.00} was taken out of my account, held at Citibank. On XX/XX/XXXX, first thing that morning, I called your fraud department, alerting them that this was an unauthorized transfer along with several others that were pending. The transactions that were pending were canceled. However, XXXX transfer went through. I was told that those funds would be returned, within XXXX business day. Those funds still have not been returned. As far as I am concerned Citibank has stolen {$48000.00} from a XXXX XXXX 
I have continued to ask where is my money? The continue to tell me they are taking it to the next level.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-08-15
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. (NJ)

I filed bankruptcy XXXX XXXX in XXXX XXXX, however the credit bureaus are listing debts as charge offs when it is included in bankruptcy. Ive disputed this ( 3 ) xs to no avail. Ive duplicated injuries from places that I didnt give permission nor signed.
Consumer complaint received 2024-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Late Payment Reported by The Home Depot/Citibank Dear XXXX, I am writing to formally dispute the inaccurate late payment reported by The Home Depot/Citibank on XXXX credit report XXXX According to the report, a late payment has been incorrectly listed on my paid-off account with XXXX XXXX XXXX which I believe is erroneous. 
I have reviewed my account and payment history with The Home Depot/Citibank and XXXX confirm that I have never been late on this account. The account has been paid off in full, and there are no legitimate reasons or instances where my payment was delayed or missed. I am requesting that Toyota Financial provide documentation or proof of any alleged late payment to substantiate their claim.

Please provide me with the following documentation : 1. Proof of the late payment transaction, including the date and any supporting evidence that shows the payment was late.

2. A detailed payment history for the account, showing any delay in payment, if applicable.

If Toyota Financial is unable to provide such documentation or evidence to support this late payment, I request that you immediately take action to have this inaccurate late payment removed from my credit report, as it is a clear violation of the Fair Credit Reporting Act ( FCRA ). According to the FCRA, any disputed information must be corrected or deleted if it can not be verified as accurate, and I request that this alleged late payment be deleted from my credit file.

Please note that I expect this matter to be resolved within the 30-day timeframe outlined by the FCRA. If the issue is not rectified within this period, I will consider taking further action to protect my rights under the law.

I appreciate your prompt attention to this matter and look forward to your response. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-11-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MD)

I applied for mortgage assistance from my state. My mortgage company didn't follow through and the state never heard back. They were willing to help. Instead, the mortgage company put me on another remodification and lowered the monthly payment a little but the state was willing to pay the back payments. I'm still struggling because I'm waiting on social security XXXX. Social security is still working on my claim and may not be resolved until XXXX. I only work 2 days a week due to back problems.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2022-10-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC (NV)

E Trade locked my account because they flagged it as " suspicious ''. I called them XXXX time over the course of XXXX months. Every time I provided all documents they requested. Every time they promised the issue will be fixed. I heard nothing from them all three times.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

This CFPB compliant has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of A cell phone account opened at XXXX on XX/XX/XXXX Account number ( XXXX ) a secured Long opened at XXXX XXXX XXXX. Car Loan Collection Opened at XXXX XXXX XXXX on XX/XX/XXXX Account number ( XXXX ). A Rental Agreement Collection Opened at XXXX, XXXX on XX/XX/XXXX Account number ( XXXX ). A credit card collection opened at XXXX XXXX XXXX  on XX/XX/XXXX Account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consume credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2022-09-22
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: TD BANK US HOLDING COMPANY (TX)

CFPB Write up In accordance with the Fair Credit Reporting act 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 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-10-10
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mid-Atlantic Finance Co., Inc. (NC)

( Request ) complete original promissory note that shows my signature, account transaction history, required default or accelartion notices, notice of sale document, calculation of surplus or deficiency letter, any additional contracts included thats related to insurance, the buyers guide, the purchase order.
Consumer complaint received 2024-10-22
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: DISCOVER BANK (IN)

Discover has repeatedly called my ex spouse who has no connection with my credit card account violating my rights as a consumer. They have told them I am delinquent in my accounts and owe money and that he is an authorized user on my account. He is now under the impression I opened a card in his name which is not the case nor is he an authorized user on my account. 
We have been divorced XXXX  years and this account has only been opened for XXXX  years. This situation is causing a lot of issues both legally and financially.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I am writing to formally request that you block and delete certain accounts and public records from my credit file, as I am a victim of a data breach that has affected my credit. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ), which entitles me, as a victim of identity theft, to have fraudulent information removed from my credit report. 
The following accounts, which were fraudulently opened or affected, should be blocked and deleted from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (VT)

I parked my XXXX XXXX XXXX XXXX XXXX airport parking in XXXX on XX/XX/XXXX upon my return on XX/XX/XXXX, I discovered my vehicle had been stolen. A police report was made and a claim filed with XXXX insurance company. The issue I have been having is with Toyota Finan Services. The payoff amount was for {$26000.00} with the first check being issued to Toyota on XX/XX/XXXX, check # XXXX. Toyota sent me a letter indicating they had not received the payment ; therefore, the insurance company cancelled that check and issued a new check on XX/XX/XXXX, # XXXX was overnighted and XXXX XXXX tracking indicates Toyota receive in XX/XX/XXXX. Confirmation number XXXX. Toyota ended up cashing the first check that they claimed to had not received, the 1st check bounced because it had already been cancelled. Toyota reopened my account and somehow also lost the 2nd check. On XX/XX/XXXX a third check was issued to Toyota, # XXXX. Toyota closed my account again with a payoff amount of {$17000.00}. I continued to make my regular payments of {$630.00} and also additional payments of {$2000.00} and {$4000.00} were made in my hopes to desperately try to reduce my payoff amount so I could proceed with getting another vehicle. Therefore Toyota owes me over {$8000.00}. While Toyota closed my account after receiving the 3rd check from the insurance company, by the next day they had reopened my account saying the check was sent to the wrong address and they have to send the payment to the correct address, mind you the payment address was provided my Toyotas team. The following day my XXXX XXXX called me and said my account was closed again and we can proceed with me picking up my new vehicle. I got a new vehicle after months of waiting for this issue to get resolved, my new loan is through another finance company. Only business I had left with Toyota Financial was the matter of the over {$8000.00} owed to me. I received an overpayment check of XXXX # XXXX, dated XX/XX/XXXX. This amount is no where close to what XXXX owes me, on top of that they have again reopened my account showing a balance owed of {$27000.00}. Every time I speak with XXXX they tell me call back in a few days, wait for things to process through, on top of that they are saying my account is past due as I did not XXXX the payment for XXXX and at this point I do not intend to make any more payments to XXXX. XXXX owes me a lot of money, I have been so patient in this trying time and all I want is for them to close my account and refund me the over {$8000.00} dollars owed to me. They have been looping me around for months and no resolution, it is hard to believe that this huge reputable company does such a poor job with processing payments and resolving simple issues. Please help me resolve this issue as I have gotten nowhere with speaking to XXXX XXXX.
Consumer complaint received 2022-08-21
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. (FL)

TransUnion willfully furnished inaccurate information on my consumer report. Disregarding me the consumer and natural person disputing the errors I found. I have followed proper protocol and disputed the medical collection accounts that are being furnished in delinquent status. Account XXXX XXXX has provided TransUnion with second hand information. TransUnion did not do their due diligence by conducting the investigative consumer report. According to 15 USC 1681 the investigation procedures must include personal interviews with neighbors, friends or associates who has first hand knowledge concerning the XXXX accounts being reported on behalf of XXXX. I am demanding the proper validation for these accounts. XXXX did not give me the opportunity to dispute this information prior to transferring this account to TransUnion for reporting purposes. Transunions negligence has undermined my confidence as a protected consumer. My right to privacy was breached purposely because the original Creditor, XXXX and TransUnion refused to disclose my right to opt out of reporting and validate information before tainting my reputation, character and credit worthiness. This entity is refusing to operate with integrity, fairness and impartiality.
Consumer complaint received 2022-09-22
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: DISCOVER BANK (MD)

In Accordance with the fair credit reporting act XXXX XXXX XXXX XXXX Discover Bank has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A Creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-12-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (LA)

Im paying on a vehicle double for what its worth I got a XXXX  XXXX  XXXX sale price was XXXX I paid almost XXXX in the time I been paying n about XXXX of the money has went to interest and XXXX to the car note the interest is around XXXX a month or more Ill be paying around XXXX when Im done paying this just aint right and they didnt show me the agreement until I created the account on my app