davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-03
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

All calls to HSBC customer services take at least XXXX hours to get to the right person. Further, most calls are terminated without notice. 

The Fraud Department makes promises and never completes their responsibility. For example, I was notified about fraud on the bank account. After waiting XXXX hours, and the bank representative stating that he would send evidence in the mail ; the evidence never arrived and it has been over 60 days. There is a court case pending from the fraud and I need the evidence... 

Second, the Superior Court said they would accept a recorded HSBC calls as evidence, but it is very difficult and so far impossible, to reach the correct bank associate that will provide the needed evidence to the court. 

After XXXX attempts ( all consuming over XXXX hours of time per call ), I asked to close my bank accounts and the HSBC XXXX XXXX associate XXXX refused. Please help!
Consumer complaint received 2023-12-05
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: TOYOTA MOTOR CREDIT CORPORATION (NJ)

Toyota Motor Credit Corporation ( TMCC ) and its affiliate, Toyota Financial Services ( TFS ), is claiming it is owed a past due balance of {$4400.00} by the account holder. However, per TMCC and its affiliate, TFS ' XX/XX/XXXX XXXX report with the Securities and Exchange Commission ( SEC ), page XXXX Secured Notes and Loans Payable section, it conspicuously states that, " We, ( being TMCC and its affiliate, TFS ), securitize finance receivables and beneficial interests in investments in operating leases ( Securitized Assets ) using a variety of structures. Our securitization transactions involve the transfer of Securitized Assets to bankruptcy-remote special purpose entities. These bankruptcy-remote entities are used to ensure that the Securitized Assets are isolated from the claims of creditors of TMCC and that the cash flows from these assets are available solely for the benefit of the investors in these asset-backed securities. '' It appears that the two applications submitted to purchase/lease two automobiles from the XXXX Toyota dealership in XXXX, New Jersey in XXXX XXXX XXXX TMCC and its affiliate TFS, purchased the commercial/chattel paper ( applications ), collateralized them, then transferred and converted the commercial/chattel paper ( applications ) into tradable securities to be sold and traded in the open and/or private sector markets to which I have received no benefit. Regardless of what TMCC, TFS and their affiliates claim, withholding access to my securities is securities fraud, in which I am entitled just compensation to. TMCC, TFS and their affiliates knowingly and willfully operated in dishonor, unjustly enriching themselves with unclean hands. Behaving in such manner are severe violations of federal law. If we are unable to reach a settlement agreement within XXXX XXXX XXXX XXXX days, I will have no other option than to hold them accountable for their actions to the full extent of the law.
Consumer complaint received 2024-04-03
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: West Coast Servicing, Inc. (PA)

The XXXX loan started with XXXX company in XX/XX/XXXX with the balance of XXXX later ( not sure exactly when ) XXXX XXXX was bought by XXXX XXXX, XXXX of XXXX was made on time and around XX/XX/XXXX the balance was XXXX for some reason. 
XXXX was started and it was difficult to come up with payments without the income. the family was struggling. 
Then the loan was bought by XXXX XXXX and modification was done in XX/XX/XXXX and they forced me to sign for XXXX balance with 0 % and the payment was XXXX. 
I stopped paying this nonsense in XX/XX/XXXX, due to loss of income from my business. 
Now West Coast company bought this loan and demanding the balance of XXXX, including the outrages fees of XXXX, XXXX knows where they come up with that and to be paid in 30 days, otherwise they threaten me with a foreclosure. Overall the payments were made from XXXX till now for the amount of XXXX. According to West Coast I had to pay the loan in full by XX/XX/XXXX, which was not true, it seems that they didn't get the terms from XXXX XXXX when they got the loan. But anyway, the situation is way stressful for our family and we don't know how that is possible at all when since XXXX we paid XXXX on XXXX taken loan and still owed XXXX. 
Could you please advise me on what can I do in this situation? 
Maybe we can file a class action law suite for harassment and outragesness of the whole mortgage system, where you pay and still owed more and more each year!
Consumer complaint received 2023-08-07
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: Experian Information Solutions Inc. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-11-02
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Regional Recovery Services (MD)

This particular company contacted my daughter and husband by finding their number on XXXX, they also contacted one of my XXXX friends. Stated that they were calling for XXXX XXXX and she needs to contact them right away regarding a debt matter. The company is called Regional Recovery Services, XXXX XXXX XXXX, XXXX NY, XXXX. I have both voicemail messages.
Consumer complaint received 2023-04-21
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. (NM)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : ASSETCARE ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021
Consumer complaint received 2024-04-08
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (AZ)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX Subject : Formal Complaint against I. C. Systems INC Dear Consumer Financial Protection Bureau, I am reaching out to lodge a formal complaint against I. C. Systems INC due to significant breaches of my rights as outlined in the Consumer Financial Protection Act. I have identified that I. C. Systems INC inaccurately reported a collection on my credit file without prior notice or advising me of my right to contest this supposed debt, violating my consumer rights. 

I am exercising my right to cease all forms of communication with I. C. Systems INC, including but not limited to text messages, emails, and telephone calls. I insist on limiting future correspondences to written communication only, as per my consumer rights. 

Under the provisions of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I hereby request that I. C. Systems INC furnish a copy of any purchase order agreement made with the original creditor. My concern lies with the validity and accuracy of the account information provided, especially any clauses indicating potential inaccuracies in the data sold. Should I. C. Systems INC fail to present such documentation, I demand the immediate removal of the account from my credit report. 

Moreover, the reported date signifying the opening of an account with I. C. Systems INC is categorically incorrect. I have neither availed myself of any services or products from I. C. Systems INC nor agreed to any form of contract with them. This misrepresentation is damaging my credit history and violates my rights as a consumer. 

It has also come to my attention that I. C. Systems INC may not hold the requisite licenses or bonds required for debt collection within my jurisdiction. This information casts doubt on the legality of their operations and underscores the urgency for remedial action. 

Given these circumstances, I contend that I. C. Systems INC has contravened regulations set forth in 12 CFR 1006.34 ( d ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( b ) ( 5 ), and 15 USC 1681-s 2 ( 7 ) ( A ). Consequently, I demand the prompt expungement of this collection from my credit report and implore the Consumer Financial Protection Bureau to conduct a comprehensive investigation into these allegations. 

I kindly request to be updated on the developments of this complaint. I appreciate your prompt attention to this matter and look forward to your support in resolving these issues. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, AZ, XXXX ( XXXX ) XXXX XXXX XX/XX/2024
Consumer complaint received 2023-10-31
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST NATIONAL BANK OF OMAHA (MI)

I opened a savings account with XXXXXXXX XXXX ( an online bank that is a division of the First National Bank of Omaha ) in early XXXX and deposited {$20000.00} almost immediately. 
On XX/XX/23, I received an email stating that my account had been restricted due to " activity that requires further evaluation '' and that someone would contact me. The money was transferred out of my XXXX checking account, into XXXXXXXX XXXX, on XX/XX/23. On XX/XX/23, I emailed XXXXXXXX XXXX to ask why no one had yet contacted me. I received a response on XX/XX/23 that my inquiry was being sent to the correct team. No one contacted me. I followed up on XX/XX/23, as I had yet to be contacted, again demanding that someone reach out to me about the steps needed to remove the restriction from my account. It is now XX/XX/23, and I have yet to be contacted, and my account is still restricted. I have not had access to my {$20000.00} for 48 days now.
Consumer complaint received 2018-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished XXXX XXXX, XXXX XXXX, and INNOVIS inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. I am XXXX XXXX the following addresses are XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX, OH XXXX
Consumer complaint received 2024-03-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (PA)

I understand that according to FCRA 605B, it's required to remove any inaccurate accounts from my credit report. Could you please take a look at the documents? I've noticed that several of the listed accounts seem to be incorrect, which is concerning to me.
Consumer complaint received 2023-04-25
Product: Vehicle loan or lease — Loan
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: HYUNDAI CAPITAL AMERICA (IA)

Car loan was paid off in XX/XX/2022. There was an overpayment. We have not received the overpayment/refund owed back to us. I have contacted the company multiple times a month for last 6 months with reassurance that the overpayment is being mailed but to date I have not received anything. I shouldn't have to keep calling for overpayment that is clearly owed back to me. I spoken with multiple account specialist and keep hearing the same thing over and over again with no resolution. PLEASE HELP!
Consumer complaint received 2023-09-05
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (SC)

This collection does not belong to me. I believe I am a victim of identity theft. I have never lived at this location, Ive never signed a lease, and the address linked to this fraudulent lease is not, nor has it ever been tied to me. Ive reached out to the property on several occasions over the past few years asking for a signed lease, and asking them if they have any ID of mine on file, or any camera footage from the day the lease was signed. I have reached a dead standstill. This colloction has since caused me to become homeless as I am unable to get property in my OWN name due to this balance.
Consumer complaint received 2023-08-31
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. (TX)

I have previously disputed this item with you and in response you verified the item as accurate stating you verified with the court, I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureaus for that matter therefore your original response verifying was either in error or a LIE either way the reporting requirements do not comply with the FCRA section 611 15 USC section 1681 and the information must be deleted immediately.
Consumer complaint received 2023-12-05
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. (TX)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan go late for any purpose.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I urge you to promptly take action to remove the fraudulent accounts from my credit report, as they were not authorized by me and are causing significant distress. It is crucial that you rectify this error without delay.
Consumer complaint received 2023-12-05
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CLGF Holdco 1, LLC (SC)

XX/XX/XXXX I filled out the application for a credit card and I was denied I informed the company that they were in violation of the law and that they were also violating my constitutional rights to Pursuit of Happiness by denying me access to an extension of My Own Credit I believe they are possibly committing Securities fraud being that they took my application and it was turned into a financial asset that is being traded on the secondary Market without my knowledge or permission and if this is the case they did not conspicuously make me aware of this information I only know this because of my own personal studies that I doing in my own personal time.. they did not provide me any profits from the security that they are trading on the market I also shared the law with them I provided the link to your website they read it and still said they did nothing wrong so they told me that they are using their own guidelines to make the decision which means they are ignoring the law that the government has put in place to protect me the consumer from discrimination and that they basically operate independent of the laws and use their own " laws '' to make a decision even after I repeatedly broke down to them what the law was through email to send them a link and even copy and paste it wasn't wrong was and still said that they were doing nothing wrong
Consumer complaint received 2023-04-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hi, On XX/XX/XXXX XXXX, my wife and I used a Bank of America ATM XXXX XXXX ) located at XXXX XXXX XXXX XXXX, CA and made a cash deposit of {$7000.00}. The ATM only recognized {$300.00} and ate the rest of the money. We were told to file a claim and it can take up to 45 business days for the final resolution. We were in the process of selling our car. The buyer gave me {$7000.00}. We were hoping that the ATM would process the bill before we can close the deal with the buyer. Because of this issue, we are now in a very awkward position. The buyer is pressing us to sign the title to complete the transaction. Meanwhile, we dont have the money in our pocket. We dont want to proceed until we get the final confirmation ( not a temporary credit ) that the $ XXXX is secured. 

By any chance, will you be able to help escalate the issue such that we can get the issue resolved by BofA asap? Waiting for 45 business days is too much for us. Your help is very much appreciated! 

Thanks, XXXX
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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. 

has violated my rights. Or a list of inquiries : 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 2023-08-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I XXXX XXXX have reviewed my credit reports and noticed I have several un authorized inquiries. I have listed all inquiries with other supporting documents. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-05
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. (GA)

I am writing to address a matter of utmost concern regarding my credit report, as documented. It has come to my attention that fraudulent accounts persist on my credit report, and regrettably, no corrective actions have been taken to rectify this erroneous information. 

Upon reviewing my most recent credit report, it has become apparent that inaccurate accounts continue to be reported, raising serious concerns about the integrity and accuracy of my credit profile. Despite my previous efforts to bring this matter to your attention, there seems to be a lack of resolution. 

In light of this ongoing issue, I have taken the initiative to file a report with the Federal Trade Commission ( FTC ), and I have attached the relevant documentation for your reference. The FTC report is filed under report number XXXX and serves as both a formal complaint and evidence of the fraudulent accounts impacting my credit history. 

I kindly request that Experian conduct a thorough investigation into this matter at your earliest convenience. It is crucial to address and rectify the inaccuracies promptly, ensuring the integrity of my credit report and preventing any further damage to my financial standing.
Consumer complaint received 2019-11-13
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: EQUIFAX, INC. (FL)

EQUIFAX, XXXX  AND XXXX  HAS ITEMS ON MY ACCOUNT THAT ARE NOT MINE/INACCURATE. 

ADDRESES : XXXX XXXX XXXX XXXX, FL XXXX-NOT MINE PLEASE DELETE. 
XXXX XXXX XXXX XXXX, FL XXXX-NOT MINE PLEASE DELETE. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX-NOT MINE PLEASE DELETE. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-NOT MINE PLEASE DELETE. 
XXXX  XXXX XXXX XXXX XXXX, FL XXXX-NOT MINE PLEASE DELETE. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-NOT MINE PLEASE DELETE. 

NAMES : XXXX XXXX-NOT MINE PLEASE DELETE. 
XXXX XXXX-NOT MINE PLEASE DELETE.