davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (NY)

I was the victim of a hacking fraud on XX/XX/2021. I received an email that day, claiming I had renewed a subscription costing something like {$300.00} and if I did not want to renew I had to call a number. I called the number XXXX and a man told me that I had already been charged but that he would process a refund if I followed his instructions. I am a XXXX year old man, so I don't always follow things very quickly but he had me download something and the next thing I knew he had taken control of my laptop computer. He said was doing it to process my refund. My daughter in law and then my son came into the room during this, and my son looked at my computer screen and realized that this person was transferring money out of my Citibank account using XXXX. My son shut the computer off, but not before the hacker made two transfers of {$990.00} each. I have no idea what account the transfers went to, but I did not make them and I did not authorize them. This person, whoever he was, had total control of my computer and he said he was transferring money to my account, not from my account. I almost immediately called Citibank to report the fraud. I had my daughter in law with me to help me. I gave them the information they asked for to the best of my ability. Now I got a notice from Citibank saying that my report was not " credible ' and they are deeming the transfers to be authorized. This is totally false and I don't understand how they could possible think that based on what happened. They must be able to see where the money went and that whatever account it is it is not someone to whom I have ever transferred money before. I called them right away, so they should have been able to stop the transfer if they wanted to. I am on a fixed retirement income and losing {$2000.00} is terrible for me. For Citibank to say these transfers were authorized is just wrong and horrible.
Consumer complaint received 2021-06-28
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. (SC)

Please help me, I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2021-06-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (NC)

I opened a TD Bank " TD Beyond Checking '' account on XX/XX/XXXX and completed direct deposits of over {$2500.00} 30 days later on XX/XX/XXXX. Per the terms, I should have received the {$300.00} bonus by XX/XX/XXXX ( " no later than 140 days from account opening '' ). I had previously held a TD Bank account but it was closed greater than 12 months before. I printed to pdf the terms when I opened the account and have spoken with several customer service representatives since XX/XX/XXXX. TD Bank has opened a case and followed up with the promotions department. At no point has the promotions department reached out to me, even though I have offered to share the printed terms under which I opened the account. The last customer service representative that I spoke with suggested that I go into my local branch ( 150 miles away ). I have called the branch and was told to expect a call back from the branch manager the following day. That was last week and I still have not heard from the branch manager. 

" Offer is available to new personal checking Customers who do not have an existing or prior personal checking account at TD Bank within the preceding 12 months, open their account online via this web page and complete the required qualifying criteria. {$300.00} bonus offer available to eligible new personal checking Customers when opening a TD Beyond Checking account with cumulative direct deposit funds of {$2500.00} or more into the new account within 60 days of account opening ... Once the offer criteria is met, the bonus will be credited into the new personal checking account no later than 140 days from account opening. Account must remain open, active, in good standing and in the same product type through the qualifying period to receive the bonus. ''
Consumer complaint received 2021-06-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: TOYOTA MOTOR CREDIT CORPORATION (MA)

I want to sue toyota financial services because in XXXX they made me a credit extension in my name in which after the credit transaction they made me sign a promissory note ( contract ) in which I delivered my property to them in a deceptive way. The contract that contained an arbitration clause that was never shown to me nor was I required to read, now in XX/XX/XXXX I got a copy of this presumptive contract that clearly shows the amount of credit that was taken in my name to pay the XXXX XXXX XXXX ( XXXX ) which was the product for which I signed a credit application and after they extend my credit and pay the car to the dealer number XXXX they made me sign a contract in which they discredited me as a debtor. This contract has many presumptive and deceptive clauses which I would never sign if that transaction were made today. I also have evidence of a guarantee that they sold me with the excuse that if I took that guarantee they would lower the interest of the car, an offer to which I agreed since it was an unfair deal to sell me their mandatory product, a product which I canceled after a week and the money was added to the capital balance on XX/XX/XXXX for the amount of XXXX this amount was also used from my credit with my consent but in a fraudulent and deceptive way, for that reason it was refunded to the account capital. I demand that I be given the amount of credit that they took in my name to pay the dealer and then they sold me a contract in which I delivered my property to them in a deceptive way. And if they refuse to pay me I will take them to court and they will have to show where they got the money from and show that credit transaction and I have proof that the guarantee that I canceled was put in the capital of the contract, that proof is enough to show that my credit was extended and you see I pay the car in full but not with their funds. 12 CFR 1026.36 - 15 USC 1692B- 15 USC 1602. I am the consumer, a natural person, none of the codes define me as a debtor and they defamed me in their contract saying that I am a debtor because they deceived me with their presumptive contract. 15 USC 1602h 15 USC 1602 I
Consumer complaint received 2021-06-29
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: ENCORE CAPITAL GROUP INC. (NJ)

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/2019 This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX A Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-06-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NM)

New Mexico XXXX  retroactive benefit balance backdate backpay, last month said wait two weeks and here we are can not get through to no one but I am still receive n weekly claims but have not received backdate payment from XX/XX/2020 2020
Consumer complaint received 2021-06-28
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc. (AZ)

Im Disputing the original loan amount - Experian report {$7600.00} XXXX XXXX report {$12000.00} im disputing incomplete payment history from XXXX XXXX XXXX this account been open since XX/XX/XXXX and the first payment history was recorded in XX/XX/XXXX im disputing missing notice of dispute from XX/XX/XXXX im disputing the past due of the account Experian report its {$7900.00} XXXX XXXX report {$8800.00}
Consumer complaint received 2021-06-28
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. (SC)

Please help me, I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2021-06-29
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: Experian Information Solutions Inc. (GA)

There are 2 different open dates XX/XX/2013 and XX/XX/2013, The amounts of XXXX and XXXX This is my second time filing a complaint about US EDU DEPT it has been well over 30 days with no response or a validation of debt. Under 15 U.S. Code S 1692 ( g ) b i have the rights as a consumer to ask for validation of debt.
Consumer complaint received 2021-06-28
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: Porania, LLC (NJ)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2019 This is not mine. 

4. Identity Theft XXXX  XXXX Date of inquiry : XX/XX/2019 This is not mine. 

5. Identity Theft XXXX Date of inquiry : XX/XX/2019 This is not mine.
Consumer complaint received 2021-06-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NC)

We received our XX/XX/2021 mortgage statement from NewRez DBA Shellpoint on XX/XX/2021, The statement states that the payment amount due for XX/XX/2021 is in the amount of {$1800.00} instead of the correct amount which should be {$940.00}. This XX/XX/2021 statement was generated on XX/XX/2021. Our XX/XX/2021 payment was cashed by NewRez on XX/XX/2021. 

The statement also indicates that our payment in the amount of {$940.00} was not applied for the payment due XX/XX/2021. 

We sent a payment in the amount of {$940.00} to NewRez. We sent the payment certified and with a delivery signature confirmation. 

Per USPS records NewRez received our check on XX/XX/2021 at XXXXXXXX XXXX. XXXX XXXX signed for the delivery confirmation. 

We confirmed our bank records and NewRez did indeed cash our check in the amount of {$940.00} XX/XX/2021. 


NewRez needs to immediately do the following : 1. Apply the payment we made for XX/XX/2021 in the amount of {$940.00} to our account and ensure that it is accurately reflected on future statements. 

2. Send us an amended XX/XX/2021 statement which states the correct Payment Amount Due of {$940.00}. 

Please note that complaint is related to all of our previous CFPB complaints regarding the handling of our mortgage by NewRez dba Shellpoint.
Consumer complaint received 2021-06-28
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: ENCORE CAPITAL GROUP INC. (GA)

XXXX XXXX has transferred old credit card debt over to Miland Credit Reporting. I have received threatening calls and emails. I lost my job due to Covid 19 and they put a negative mark on my credit daily.
Consumer complaint received 2021-06-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (MA)

Hi ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2021-06-29
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)

There are 2 different open dates XX/XX/2013 and XX/XX/2013, The amounts of XXXX and XXXX This is my second time filing a complaint about US EDU DEPT it has been well over 30 days with no response or a validation of debt. Under 15 U.S. Code S 1692 ( g ) b i have the rights as a consumer to ask for validation of debt.
Consumer complaint received 2021-06-28
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown items reflecting on my credit report. As of today, over 30 days later I have not received a response yet. It appears that Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 50 days so the inaccurate and unknown items should be deleted immediately. I demand these accounts be removed immediately or I will file for litigation due to the mental trauma and stress you caused me. My information was also impacted by the XXXX XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-06-28
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ERC (CA)

Enhanced Resource Centers is a debt collection company based in Florida. Since XXXX, XXXX, this company has been calling me at least once a day, sometimes twice a day, EXCEPT on weekends, from a toll free number XXXX XXXX. Not once has I received any written communication nor a voicemail stating the amount of the debt, the kind of debt, et al. 

I blocked this number but this company managed to call anyway. I do have an app on my phone that blocks any number of which I am unfamiliar yet this company was able to bypass the block. 

After much of this harassment, I finally submitted a complaint to the XXXX XXXX XXXX and asked them to help me resolve this problem. I was forwarded a response from Enhanced Resource Centers that was sent to the XXXX stating that " ERC was not made aware that the number we were calling was incorrect for the consumer we were attempting to reach prior to this complaint. '' They then had the temerity to request that I contact them to " add into our internal Do-Not-Call records to prevent further contacts from our office. '' I did not receive an apology either. The person who sent the letter was someone named XXXX ( XXXX ) XXXX who refers himself as " Director of Legal. '' I looked this guy up on the Florida XXXX XXXX website ; XXXX is NOT an XXXX. He DOES have social media accounts however. 

This company is rated " B '' on the XXXX XXXX XXXX website and with good reason. They have had many people complain about them which complaints are also posted on the XXXX website. This company is unscrupulous in that they continue calling people who may or may not owe money and I even went ahead and requested and received a free credit report to find out if there was a debt that I failed to repay. The credit report came back unblemished which is what I expected. 

Enhanced Resource Centers needs to be contacted by the attorney general with a cease and desist letter and/or at least be sued for deceptive practices.
Consumer complaint received 2021-06-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (IL)

After losing my job in 2019 i requested help from my lender for mortgage assistance. I was willing to pay and only wanted to redo my loan to something i could afford. After almost six months of back and forth i was denied and they would not accept partial payments to try and catch up so they filed for foreclosure. Then XXXX hit and the courts were closed down until in XXXX my loan was sold to another company which meant that i had to start over which i did but after 3 attempts the new mortgage company denied me and continued with the foreclosure. I have repeatedly tried to try and arrange a modification to stay in my home of 50 years but they basically said i was out of luck. I am willing to pay my mortgage all i wanted was a reasonable payment that i can afford but they refuse to work with me.
Consumer complaint received 2021-06-28
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Kashia Services (DC)

To date, XX/XX/2021, Having paid {$1000.00} in payments for an emergency loan totaling {$500.00} during a global pandemic, I requested that Redwood Coast Finance stop taking automatic payments from my XXXX XXXX XXXX ( XXXX  ) bank account ending in XXXX for payments to my account number with your company XXXX. The company acknowledged my request but then threatened to report my file to the credit bureaus.
Consumer complaint received 2021-06-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

Although all my payments were made including the current month of XX/XX/2021, I was reported as delinquent to the credit Bureau in XXXX, XXXX, XXXX and XXXX. 

I also received a letter dated XX/XX/XXXX, addressing my falling behind in payments and offering help. I made numerous attempts to find out what was the problem, but no one I reached could explain. 
Here are the results of attempts made in the last 7 days : 1. Many representatives left me on hold and eventually their calls was disconnected. 

2. One representative tried to resolve the balance, having me on the line for approximately 1 hour and 10 minutes, and even consulted with a supervisor during that time. He ended up getting disconnected.

3. A nother re
presentative tried to explain the amount due, but said she was going to send it to the " INQUIRY '' group. She asked me to call her back in 2 days and gave me her extension ( XXXX ). Two days later when I tried to reach her, I was told there was no such extension, and calls could not be transferred. 

4. All my request to speak to a supervisor/manager ended up on hold.

5. One request for a manger to call me back ; resulted in no call back.

6 No one was able to provide me with a number to their cooperate office.

One repr
esentative, answered my question, when I asked for a customer relation person, saying " What is that?

I am left with no other option, but to come to you.

In the meanwhile, my credit score and delinque
nt notes have caused a problem with my trying to refinance my home and my records as whole.

I actually found out about all the negative reports when I applied for re-finance.

So for ABSOLUTELY no reason I was treated this way. This company has only been my servicer for less than a year. 

I hope I can get this resolved as soon as possible. Thanks