davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Mobiloans, LLC (NV)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2022-02-07
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. (WA)

To Whom It May Concern : I recently received a copy of my consumer report and noticed the following accounts reporting balances and utilization inaccurately. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish utilization on my consumer report?

Did I give you written instructions to furnish a balance on my consumer report?

you have 10 calendar days to Update all balances to Zero on all below accounts. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Failure to respond satisfactorily will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MS)

I was checking my consumer report and saw a bunch of credit inquiries not recognized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

There are several names and addresses being reported all addresses other than XXXX XXXX XXXX XXXX are not my addresses or names my name is XXXX XXXX XXXX all other names are not mines they are XXXX XXXX XXXX XXXX XXXX XXXX XXXX addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  and so forth
Consumer complaint received 2024-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: MoneyLion Inc. (WI)

On XX/XX/24, several charges originating in XXXX were attempted on my debit card. I had less than {$5.00} in my account, so most were denied, but the fraudsters kept trying smaller and smaller amounts and got chargers for {$0.00} ( XXXX ) and {$1.00} ( XXXX ) to go through. I contacted the bank to let them know these were fraudulent at XXXX XXXX  on XX/XX/24 and they said they would have to wait for the charges to settle before they could be disputed, but they would send me a new card. 

On XX/XX/24 ( overnight ) more fraudulent charges from XXXX hit my account, but this time there were funds available. Charges for {$0.00}, {$12.00}, {$420.00}, {$12.00}, and {$3.00} hit my account. 

I contacted the bank when I woke up ( approximately XXXX XXXX  ) and they were unhelpful, didn't take any ownership of the fact that a XXXX round of fraud was allowed, and told me it would take up to 90 days for me to get my money back. They kept quoting scripted responses and would not let me talk to a supervisor. Then, around XXXX XXXX, I called and spoke to someone who argued with me on whether or not other banks give provisional credits in this situation ( which I know they do ), wouldn't let me talk to a supervisor, and ( the best part ) told me my card STILL WASN'T CANCELLED. So if there was still money in my account ( I had transferred it all out when I saw the XXXX wave of fraud ) the fraudsters would have been able to continue making charges, even though I had already contacted my bank XXXX! The bank had also charged me {$25.00} for expedited shipping of a new card on XXXX, so I was of course under the impression that the card had been cancelled at that point. They have since refunded the {$25.00}, but I had to fight for that.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

I have inquiries on my credit report. 


I have XXXX Inquiries on my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-04
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: TOYOTA MOTOR CREDIT CORPORATION (NJ)

Hi! I decided to buy out my lease for a Toyota XXXX. I paid for it in full, and the total I paid ( including sales tax ) was {$14000.00}. I mailed them the payment using a Cashier 's Check, on XX/XX/XXXX. Based on Toyota Financial Services ( TFS ) 's record, they received the payment on XX/XX/XXXX. Then, based on TFS 's customer service, they mailed me the title on XX/XX/XXXX, however I never received the title. 

After contacting TFS about not receiving the title, I was told that they are going to provide a lien release letter, so that I could take it to my local XXXX  XXXX to get a duplicate and then transfer the title under my name. I received a lien release letter, dated XX/XX/XXXX, on XX/XX/XXXX. I took the lien of release letter to my local XXXX  XXXX on XX/XX/XXXX, and I was told that TFS has to provide a signed and stamped duplicate title before I can proceed with getting a new title. Moreover, I was told that I need to pay a penalty fee, since based on XXXX  XXXX, the title transfer has to take place within 10 business days from the date the vehicle was purchased. 

After coming back from the local XXXX, I contacted TFS, and they said they have requested a duplicate title, but it may take 6-8 weeks, which is quite a long time! On their own website, they say it should they 15-30 days! 

I am incredibly frustrated with TFS and would like to be able to get the duplicate title as soon as possible, so that I can finally have the car title under my name, since I am the owner and I paid for the car in full long time ago! 

I am incredibly frustrated with TFS and would like to be able to get the duplicate title as soon as possible so that I can finally have the car title under my name, since I am the owner and I paid for the car in full long time ago! 

Moreover, I would like to be reimbursed for the penalty fee that I need to pay to my local XXXX  XXXX. 

TFS should overnight/expedite mail the duplicate title to me, as I am the owner of the car and they have neglected to do so in a timely manner over the last several months. Further, TFS should reimburse me for the XXXX penalty fees that accrued because they did not send the title when they were supposed to, and have failed to effectively address my many calls and complaints since that time. 

To be clear, in my view this is the bare minimum to resolve the immediate issue. I have been a loyal Toyota customer and promptly paid any bills or otherwise upheld my responsibilities. If they have any interest in retaining me as a customer in the future, they should compensate me for the significant time and energy I've put into resolving this issue by covering my next bill for Toyota-recommended car service ( based on current mileage ).
Consumer complaint received 2022-12-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO Bank, N.A. (IL)

We are a business checking account customer with BMO Harris Bank. BMO Harris has two different portals for online banking. bmoharris.com ( digital banking ) which we use daily and is secure. They also have the portal XXXX XXXX XXXX XXXX ( XXXX ), which was not secure. In XX/XX/XXXX we faced numerous issues with the XXXX and our ability to secure the credentials for the security of the site. We communicated these issues to BMO Harris ( see email dated XX/XX/XXXX with BMO bank employee XXXX. It was our decision then to close and lock the XXXX access as we could not use it or secure the site. We chose to use the XXXX XXXX instead, which we had secured. Harris replied on XX/XX/XXXX that the XXXX was locked ( see email dated XX/XX/XXXX ). This proves our request was made, received and supposedly acted upon by XXXX XXXX. On XX/XX/XXXX fraud actors accessed the XXXX and initiated a wire transfer out of account ( see wire payment confirmation ) for {$49000.00}. This transaction should never have worked as we had requested and received prior verification of our reasonable request to close and lock user access on the banks end to prevent this from happening. the bank was negligent in its handling and therefor at fault. After months of requests for records, to which the bank is refusing to provide, we received an email chain from the XXXX once again surrounding the closure of our XXXX portal. The email chain improperly sates that it had not received any such prior request, however the email we have dated XX/XX/XXXX clearly is proof to the contrary ( see email chain dated XX/XX/XXXX ). The banks improper handling of the account holder 's requests given the nature and concerns surrounding the inability to secure the user access, the prior instruction to close it and lock out access and the banks failure to ensure such action was taken despite its acknowledgments all clearly demonstrate a bank error that led to the financial harm of its customer. We request an immediate refund of the fraud dollars not recovered.
Consumer complaint received 2024-01-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NC)

LVNV FUNDING LLC, violated my consumer rights to privacy, FDCPA and committed aggravated identity theft ( 18 USC 1028A ). LVNV FUNDING LLC obtained, possess, and used my Personally-identifiable financial information without my consent or legal authority. They are attempting to collect a debt that is not mine. This account is furnished on multiple of my credit reports as a negative item and it has affected me as such.
Consumer complaint received 2024-01-04
Product: Credit reporting 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 (FL)

Hello, this happened on XX/XX/2023, I went to a car dealership to buy, I shared my personal information so that an inquiry could be made with my bank, but apparently they shared this information with many other lenders without my authorization, so I am disputing these inquiries, which I do not know
Consumer complaint received 2017-03-31
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (AZ)

I have an ongoing issue with Ditech regarding loan # XXXX. Since their initial response to my loan modification on XX/XX/XXXX, they have assigned me to three of their staffers. The most recent, XXXX has not returned four calls I have placed. I have received a letter from them asking for all new documentation which is totally un-necessary and a further attempt to have me go away. This loan indexes to a 20 year term in several months. They have all the documentation they need except for current bank balances and some rental leases which XXXX claims were not signed but he never advised me which lease. 

I am retired so my income does not change. As a result, I will not be able to afford the payment on this mortgage after the index date. Should they deny me the modification, a strategic foreclosure will be my only option later this year.
Consumer complaint received 2023-10-24
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (CO)

THIS ACCOUNT IS INVOLVED IN LITIGATION. Case number : XXXX XXXX. National Credit Systems is reporting inaccurate information. Original creditor is incorrect. Balance is incorrect. False charges were added to this account. Original creditor is XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Keynote Consulting, Inc. (FL)

Company has yet to send me the correct information so I can validate the debt. The information they mailed to me was someone else drivers license and information. They will not respond to me via mail or complaints, and now have tried to hit my credit for a debt I can not even validate.
Consumer complaint received 2022-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (MA)

I paid off a Wells Fargo Auto loan on XXXX XXXX in the amount of {$4300.00}. Wells Fargo sent me a letter that the debt was settled and the title was mailed to me. 
Several weeks later Wells Fargo contacted me and said that the payment didn't go through ( It was a bank check or money order I paid with ) and I asked them to show me the check I sent them. They couldn't locate the payment form and said it was still outstanding even though I have a letter from them and the title. This has ruined my credit. I had XXXX reach out to them and nothing was resolved. I than had XXXX dispute this and they charged off the amount on my credit report. 

It had escalated to the Presidents office at Wells Fargo and I spoke with someone who said they were passing my information along and I never heard back from them and didn't know how to contact someone at the Presidents level.
Consumer complaint received 2015-04-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Innovative Collections, LLC (CA)

I recently checked my credit profile with all the credit bureaus and discovered that a parking ticket from XXXX was on my report and had been turned over to a collection agency called Innovative Collection services. At this point I knew I had never been to XXXX and it was not a car that I own. The license plate and the model of car is not owned by me. I then sent Innovative Collection Services a certified letter requesting verification of this debt that was entered on my credit profile. I received a response from the collection agency way pass the 30 days required to respond. I finally received a collection letter ( see attached ) stating that this does n't apply to the fair Debt Collection act because this is a fine. How crazy when they are stating they are collecting a debt. Please assist and have this bogus company remove this unknown debt off my credit profile immediately.
Consumer complaint received 2022-12-19
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: Fig Tech Inc. (TX)

Hello, my name is XXXX XXXX XXXX XXXX XXXX. I have been advised by the credit bureau to submit a police report regarding my identity being used to open up accounts with my personal information. My twin brother XXXX XXXX XXXX XXXX XXXX has the same date of birth and our social security numbers are different by one digit. Multiple delinquent accounts have been placed on my credit report. I have tried to dispute the accounts multiple times. We have lived at different addresses for at least 5 years. He has also claimed these accounts are his, but they continue to appear on my report. Please let me know if there is any additional information I can provide or if I need to explore other options regarding this matter. I have a ton of accounts that do not belong to me I have sent my full report Thank you.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

I just got my credit report on XX/XX/2024 and noticed some accounts on my credit report are incomplete and inaccurate which is a clear violation of USC 1681e ( b ) They also violated 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ). At this particular point I honestly believe that they are doing this on PURPOSE. According to 15 USC 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. They MUST be legally blind because everything is inconsistent.
Consumer complaint received 2024-01-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

THIS LOAN IS CURRENTLY WITH SPS SERVICING LOAN # XXXX WE HAVE SUBMITTED A SHORT SALE APPLICATION MONTHS AGO WITH XXXX RESPONSE FROM SPS SERVICING. EVERY DAY I CALL FOR A STATUS UPDATE I AM TOLD THAT THEY ARE ESCALING THE FILE. 

THE REAL REASON THE FILE IS SITTING AT A STANDSTILL AND NOT BEING WORKED ON IS BECAUSE THE FILE IS DUE FOR A SERVICE TRANSFER ON XX/XX/ TO XXXX XXXX. FOR THIS REASON SPS HAS REFUSED TO CONTINUE TO SERVICE THE LOAN WHICH THEY ARE REQUIRED TO DO UP UNTIL THE SERVICE TRANSFER DATE. IF THE CUSTOMER OWED SPS MONIES THEY WOULD NOT JUST IGNORE THAT POINT THEY WOULD HOUND THE CUSTOMER FOR THE PAYMENT UP UNTIL THE SERVICE TRANSFER DATE. PLEASE INVESTIGATE THIS COMPANY FOR FAILURE TO PERFORM THEIR REQUIRED DUTIES UNDER THE SERVICING CONTRACT AGREEMENT WITH THE INVESTOR AND THE HOMEOWNERS A RESOLUTION TO THIS MATTER WOULD BE FOR THE CURRENT SERVICER SPS TO APPROVE THE SHORT SALE OR ASK FOR A HIGHER OFFER
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-04
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Credit Services Inc. (GA)

i recently disputed an alleged debt of XXXX that i don't owe from FIRST CREDIT SERVICES ON XXXX XXXX, USPS TRACKING # XXXX XXXX XXXX XXXX XXXX XXXX. It was delivered on XXXX XXXX  @ XXXX XXXX XXXX.I haven't seen anything within the XXXX   days time limit and i am requesting deletion of this item from my credit report.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

With in minutes of each other experian again says is working on the same issue on 2 complaints well like all the other complaints they have done Nothing but give stupid explanations that makeno sence
Consumer complaint received 2017-04-04
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (OR)

I am here to make a complaint against my mortgage company they foreclosed and sold my house out from underneath me. In 2016 it was pending in foreclosure and I filed a notice of rescission in XXXX 2016 and my mortgage company totally ignored the notice of rescission and went ahead and foreclosed and sold my property on XXXX XXXX of 2016 and now they are trying to force me out as a tent. Somewhere along the line they have done this illegally. Now they are trying to force me out as a tenant I 've been to court three times and the judge ruled in favor of the plaintiff which is my mortgage company and as of Tuesday, XXXX XXXX, 2016 it has not been recorded that it was sold they 've sold it for more than what I owed and now I am trying to get the money that 's left over but I 'm still here in the house I have n't been evicted yet the whole thing of this mortgage company and the way they sold and foreclosed is awful fishy to me and I do n't have a whole Lotta money to fight this so I 'm just sitting here waiting.
Consumer complaint received 2023-08-01
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. (OH)

This is my THIRD DISPUTE regarding the same accounts that are fraudulent and does not belong to me and still showing on my credit reports The accounts need to be deleted from my credit report immediately. Once again this is affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Accounts listed below : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX