davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-05
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I experienced identity theft and notified XXXX XXXX, XXXX, XXXX, XXXX and Toyota. They have reported to the credit reporting services that upon investigation, they had decided that I was in serious delinquency even though they knew about the identity theft. After notifying them of the theft, the thief was able to open a credit card at XXXX XXXX under my name and rack up additional debt. I immediately informed them that I did not open this card and had they looked at my account, they would 've been able to identify the continued identity theft. Instead, they took more than {$6000.00} out of my checking account to pay the balance on this fraudulent credit card. And now XXXX XXXX is claiming, I owe them {$3800.00} which is destroying my credit. They also never repaid a penny of the theft which was laundered through my bank account. They only saw the problem when I went into the branch to make an inquiry about my account. XXXX XXXX claimed it was my problem. XXXX XXXX XXXX and XXXX claimed I owed an amount that was also part of the identity theft. I provided them with XXXX police reports about the identity theft and a notarized FTC proclamation about the theft. This too continues to destroy my credit. I 've employed many credit repair service to no avail. In fact, they take the debts off my credit report and then put them back on. And Toyota was paid in full and apparently that payment went to a different payment address and it took Toyota three months to get the payment credited to my account. They have put this on my credit report as late payments. XXXX Bank Line of Credit put late payments as " seriously delinquent '' even though I was in a modification of the loan which XXXX XXXX said I did not have to pay until the modification was complete. During the modification progress, XXXX XXXX continued to ask for more and more paperwork which I did provide but nothing happened with the modification until I got a refinance loan and paid them off. No matter what I do, I can not get my credit score to what it was prior to the identity theft.
Consumer complaint received 2016-04-11
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc. (PA)

Commonwealth Financial Systems INC had this account during the statue limitations. Commonwealth financial systems has put different dates on a XXXX credit bureaus when the account was purchase and forged payment on my account to keep the account open. The payment has rise from XXXXto XXXX. Common wealth and XXXX XXXX has put and double jeopardy on the credit trying to collect from the same debt. Commonwealth Financial has given me numerous dates of when they purchase my account and I have the dates infront of me when I call about every letter I have receive for Commonwealth Systems within the 6 years and more about this account .This account is also past the statue of limitations. Commonwealth has been acquiring contacting the credit bureaus using my social security number.
Consumer complaint received 2016-12-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CMI Group, Inc. (OH)

I was falsely accused of not paying an internet bill from XXXX XXXX XXXX. Months after the alleged delinquency, a collection agency was commissioned to contact me and collect the amount owed. The issue ended up being a clerical error on XXXX XXXX 's part. I verified that the bill was in fact payed on time and provided proof. The claim was removed and they corrected the problem. Now it has affected my credit score and I want it removed from my records.
Consumer complaint received 2015-10-24
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Meade & Associates, Inc. (OH)

The Fair Credit Billing Act 15 U.S.C. NOTE 1601 SECTION 306 BILLING PRACTICES SECTION 161 CORRECTION OF BILLING ERRORS. Please be advised that under Federal Statutes. the Fair Credit Reporting Act, ( 15 U.S.C. 1681 et Seq ) and ( Ohio administrative Code 5160-2-07.17 Hospital Care Assistance Program ) Hospital Care Assistance Program sub section 2.5 FAQ 2.2a and 7.2, Consumer Credit Statutes, and subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. Here is the list of account s belowMeade and Associates XXXX XXXX XXXXXXXXMeade and Associates XXXX XXXX XXXXXXXXMeade and Associates XXXX XXXX XXXXXXXXMeade and Associates XXXX XXXX XXXXXXXXMeade and AssociatesXXXX XXXX XXXX, OHIO XXXXRE : ( Accounts OHMSF/ TRAMAONE XXXX, XXXX, XXXX, XXXXThese accounts was covered under the Ohio Department of XXXX and they reported these accounts to XXXX, XXXX, XXXX , They have listed these accounts multiple times making the debt appear larger than what is owed on all XXXX reporting credit agencies, I disputed them during the past 90 days and they refuse to remove these bills that was paid under the ohio department of XXXX, I also sent this compliant to the Ohio Hospitals Associations, and XXXX Hospital , and XXXX hospital becuase they violated Ohio Hippa Laws for the hospital assistance program XXXX and XXXX the billing work was misdirected to credit collection agencies after it was written off and all of the workers in the billing departments for both hospitals was to forward the paperwork to both drivers insurance companies and to the hospitals billing department before HCAP was applied, i was a victim of a car crash of which i was the passenger this caused me to loose work for 4 years, I am on the verge of borrowing money to sue them and the agencies becuase the agencies are letting them publish this at my expense becuase they pay monies for their services.
Consumer complaint received 2015-09-03
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Shellpoint Partners, LLC (MI)

Shellpoint Mortgage Servicing. I made a bill payment for my mortgagethrough shellpoint schedule for XXXX XXXX, 2015 from my checkingaccount with XXXX XXXX. XXXX sent check # XXXX. The check was sentto Shellpoint new address at XXXX. XXXX XXXX XXXX XXXXapproximately 7-10 days before the posted date of XXXX XXXX, 2015. 
Shellpoint calling everyday stating I did not send payment ; which XXXX did. Shellpoint stated they are having issues with processing checkssent to this address. Prior to this month for over a year ; there was not anissue at the old address. Shellpoint states they will call for update ; the only thing they want me to do is sign up for automatic payment tostop this issue. As of XXXX XXXX, 2015 I had to stop payment for the checkXXXX issued. Made a payment on phone on XXXX XXXX, 2015. In themean time I made another 'Pay bill '' from my checking account for themortgage so the payment would be for XXXX XXXX for semptemberpayment. XXXX issued check # XXXX seven to ten days before the duedate of XXXX XXXX. As of today XXXX XXXX, 2015 ; payment has notbeen posted. three way call with XXXX and Shellpoint on XX/XX/2015 ; Shellpoint said they will keep checking my account to see if fundsare posted. They want me to make another XX/XX/XXXX payment or they '' push '' me to tell me that this would not be an issue if I sign up forautomatic payment through their system.
Consumer complaint received 2017-02-10
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Commercial Trade, Inc. (AZ)

COMMERCIAL TRADE BUREAU has placed a derogatory account on my credit profile without my authorization which has violated the FDCPA. To my knowledge, I do not owe COMMERCIAL TRADE BUREAU any alleged debt and demand them to provide proof of claim with authenticated verification. COMMERCIAL TRADE BUREAU has placed this alleged account on my credit report to intentionally cause harm to my pursuit of happiness by affecting my Consumer transactions for personal, family and household purposes.
Consumer complaint received 2017-03-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

VERY SIMPLE. 

My bankruptcy is now TEN years old and should be removed from my credit report. 
I realize that it is due to come off in XX/XX/XXXX I believe, but I asking, in a SHOW of HUMANITY that Trans Union remove it now, just a few months early. I have worked very hard to re-build my credit after losing my XXXX, and I see no logical reason for Trans Union to insist on leaving this on my report, when clearly, TEN YEARS HAVE PASSED. 

Public Record Details Reference Number XXXX Date Filed XX/XX/2007 Date XX/XX/2007 Status Discharged Amount {$0.00} Classification Bankruptcy Responsibility Individual Asset Amount {$0.00} Contact Details TENNESSEE FEDERAL COURT- XXXX XXXX XXXX XXXX , TN XXXX XXXX THANK YOU.
Consumer complaint received 2017-03-14
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (CA)

My car loan company has closed my acct and shown it as bad debt. I still have the car and am making payments, at this time I am current. This has caused me great grief as I can not buy a home due to poor credit marks by them. In addition they have charged me XXXX in fees. the original loan was for XXXX to date I have paid XXXX and still owe XXXX. Something does n't seem right. I never signed a contract with these people. Originally I signed with a much better company
Consumer complaint received 2015-12-22
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: LD Holdings Group, LLC (CO)

I was told by XXXX XXXX that I could get a lower rate on my mortgage. While I was talking to loandepot to find out how much lower my rate could be, they put me on hold and did a had credit inquiry without my permission. I can not get it removed from my credit report now and it lowered my credit score for two years. Loan Depot does not respond to my calls or complaints.
Consumer complaint received 2016-02-18
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

My Loan charged off in early XXXX, after i turned the vehicle into XXXX. They auctioned off the vehicle and sent me a final charge off amount of {$2600.00} in early XXXX. I received a payment settlement request in XXXX of XXXX for {$1500.00}. I subsequently received another payment request in XXXX XXXX for {$1800.00}. As of today, they are reporting that i owe {$7700.00} as the interest is still being charged on a loan they have been " charged off ''. They are legally suppose to send me monthly statements if they choose to keep adding interest to my account, as of today, i have not received XXXX statement in 3 years. They are doing everything possible to wreck my credit by inflating the amount owed to well over 300 % of what the original loan was to show my credit utilization is too high. They already have my car, now they want to ruin my credit. They are predatory an overly punitive with high interest after the charge off.
Consumer complaint received 2016-08-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Quality Recovery Services, Inc. (GA)

I have contacted XXXX to dispute this account that Quality Recovery Services is reporting on my credit file. XXXX stated that Quality Recovery Service stated that they verified the debt. How could Quality Recovery Service verify a debt that do not belong to me. I have notified XXXX and Quality Recovery Service that this debt was a result of identity theft and they have not removed this account from my credit file. I have trying to be patient about the situation but it seems as they are intentionally violating the FCRA. I need your help in getting this matter resolved quickly.
Consumer complaint received 2017-03-15
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (CA)

On XX/XX/2016 my car was repossessed by a private repossession company which was ordered by KIA Motors due to missing payments. I called in KIA Finance on XX/XX/2016 and made a full payment request of {$1300.00} which was charged to VISA card ending XXXX. The amount included the Repossession Fee of {$370.00} for Towing the car. 

On XX/XX/2016 I went to the location where my car was towed to pick it up. Since I was already told by KIA that the amount I paid them included the {$370.00} for the towing fee and they had updated the towing service company, I went ahead to pick up my car. Upon arrival I was told by the towing company 's clerk that they had not received payment from KIA and they never receive payments unless by the person actually picking up the car. They said I was unable to pick up my car unless I paid. I went ahead and called KIA, they told me I can go ahead and pay and they would refund me the {$370.00} for towing fee. I paid the clerk at the towing location and took my car home. 

For the following days I waited to see a refund from KIA and I never received a call from them. On XX/XX/XXXX my account was up to date with {$0.00} balance. 
On XX/XX/2016 I received my invoice with my monthly car lease payment and in addition a {$370.00} that reflect as Miscellaneous Charges. I called KIA FINANCE to see what was going on because I was n't refunded, credited and on top of that they had added another {$370.00} ( I do n't know for what ). I immediately got on the phone with KIA Finance and was told they would remove the charge because it was a mistake and they would refund me the {$370.00} previously charged. The following month my statement arrived with the {$370.00} now added to my monthly lease. 

Bottom line I paid money to KIA which never reflected on my account. I paid {$1300.00} and not a single invoice displays them crediting my account for that amount.
Consumer complaint received 2016-06-21
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (VA)

Ocwen Loan Servicing , LLC ( www.ocwen.com ) changed payments in XXXX 2016 without providing detail supporting the change. I continued to make the original payment. Now that detail has been provided, I called XXXX to make the payment to account # XXXX but the telephone message said that the account number is invalid. 

There is a payment address of Ocwen Loan Servicing , LLC XXXX XXXX XXXX in XXXX, XXXX XXXX. This address differs from the previous address for all payments of {$160.00} have been sent for more than 3 years. The previous address that my bank has been sending payments is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. All regular payments were to be sent there. 
Which address is correct? Why does n't the account number work? We want to pay but not if they will not recognize the account number.
Consumer complaint received 2015-08-18
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Please refer to the first complaint filed on XXXX/XXXX/2015 Case number : XXXX. This complaint is in regards to Capital One Acct # XXXX and excludes the XXXX accounts. In addition. I have contacted the credit bureaus and Capital One directly. To date Capital One has not provided any verification documents on this account. They have exceed the legally accepted 30 day allotment to verify this account. According to the FCRA rules, if a creditor does not verify the debt within 30 days to the debtor, they are not allowed to continue attempting to collect the debt, nor can the creditor list the debt on the consumer 's credit report. This is a clear case of unverified debt. I have exhausted all efforts to resolve this matter.
Consumer complaint received 2016-04-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc. (KS)

Approximately XXXX/XXXX/2015 I was contacted via mail to my residence by Credit Collection Services ( CCS USA ) with an address of XXXX XXXX XXXX XXXX, MA XXXX phone number XXXX related to a XXXX Insurance bill. I called and was asked for a phone number. I refused to give them my phone number because it is not my bill. They looked it up by the number on the notice and I asked them questions about the debt and explained that I had never had XXXX insurance and that the information they had in the file did not relate to me. They indicated that they would remove my address from the account. I have recently received XXXX additional notices about the past due bill 9 months after the first one. There is another person in the area who has the same name I do but I have lived in my house for 12 years and this is the first I am having issues with this. I explained if I heard anything else from them I would contact appropriate authorities about continued contact on a bill I do not owe.
Consumer complaint received 2015-09-16
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL (AZ)

Recently closed her Synchrony/JCPENNEY credit account ending in XXXX. At the time of closing and cancelling of the account in question, She was told there was a zero balance. 
She continued to receive statements showing balances. She wrote a check for the balance {$31.00}, XXXX check # XXXX dated XXXX/XXXX/2015. 

She continued to get statements. On calling she was told that the reoccurring fee was for life insurance. She told the Synchrony /JCPENNEY agent that she never ordered life insurance. The fact that the account was closed with a zero balance fell on deaf ears. At this time it was communicted to the Synchrony /JCPENNEY agent that her perception of the continued statements for insurance she nver orderd is HARRASMENT. In this case elderly HARRASMENT. At this time it was communicted to the Synchrony/JCPENNEY agent the desired resolution. She asked for removal of the fees for the life insurance that she never ordered. The Synchrony /JCPENNEY agent was also advised that if the harrasment continued, complaints would be filed with the CFPB the FTC and the Texas State Attorney General. 
The statements continued. Another call was made to Synchrony JCPENNEY. At this time a request was made to speak to a manager She was told that a manager was not available. Again the fact that she never ordered this life insurance and felt harrased, fell on deaf ears. At this tme a verbal cease and desist request was made. XXXX continues receive the threatening statments from Synchrony JCPENNEY.
Consumer complaint received 2017-01-12
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: SYNCHRONY FINANCIAL (IL)

They are calling ever contact numbers regardless of who it is. Telling them that if I ca n't be found they will track me. I called the company and they are trying to get me on a XXXX credit card from XXXX that was paid in full in XXXX
Consumer complaint received 2017-01-12
Product: Credit card — 
Issue: Sale of account — 
Company: SYNCHRONY FINANCIAL (DE)

I sent them a letter agreeing to a payment offer of {$110.00}. On XX/XX/XXXX, I received a letter saying they have sold the debt on XX/XX/XXXX to a collection agency named " XXXX XXXX XXXX ''. To top of it all, the debt has been sold for {$400.00}, which is almost 4 times their initial offer. This is the second time they sell this debt to agencies that have shown patterns of violating FCDPA rules. I need a clear answer as to how to settle this debt based on their initial offer.
Consumer complaint received 2016-05-03
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Mercedes Benz Financial Services (CA)

i have been leasing a mercedes since XX/XX/2015. I make timely payments withcertified checks and the company keeps reporting me as late and I have sent them proof of payment and they never use it they always state it is returned. Very harassing and poor accuounting skills.
Consumer complaint received 2023-07-14
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. (MD)

This is my multiple complaints that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block these items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. However, I do not receive any responses about the issue I have been complaining and failure for the response may lead to immediate deletion of the said items listed below : XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX Balance : {$4700.00}, XXXX XXXX Balance : {$11000.00}, XXXX XXXX : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2016-10-05
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE (FL)

On Sunday, XXXX XXXX, 2016 XXXX, I received a free fraud text alert from BarclayCard concerning a {$300.00} charge at XXXX XXXX XXXX and was a advised to reply XXXX if valid and XXXX if not valid. I replied XXXX and got a responding text to all XXXX and reference a pin number given. I spoke to the rep at BarclayCard and went over several transactions to find that several were done fraudulently starting on XXXX XXXX, 2016 with a charge of {$300.00}. I explained to the rep that I may have lost my card. I checked and found that I did lose the credit card along with data card and insurance card when I emptied my wallet in a stateroom during a cruise I was on. Other transactions the rep mentioned were done at a XXXX at XXXX XXXX XXXX, XXXX at XXXX XXXX XXXX, and XXXX XXXX in XXXX, FL - all of which were done on XXXX XXXX, 2016, which at the time I explained that I just left a friend 's XXXX weekend pool event/gathering in XXXX. 

On XXXX XXXX, 2016, I called Barclaycard to get an update since the fraudulent charges were placed back on my account. The representative explain that the fraud claim was denied because the representative that had filed the claim put down that I had my card even that I told him that I did not. I explained this to her and was transferred to the Fraud Investigations Department where the rep a advised that I fax in a police report. 
On XXXX XXXX, 2016, I faxed over a XXXX XXXX Sheriff Office Report to Barclay 's fax number XXXX. After no updates a week later, I again faxed over the Report on XXXX XXXX, 2016 and also called to get an update. Representative advised that a Statement of Fraud was sent to my mailing address. 
On the same day, I checked my mail, filled out the Statement of Fraud, and sent it back. 
Until now, Barclaycard holds me liable for transactions that were done fraudulently. I have yet to hear back on any updates even after faxing and sending the requested police report.