davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (MA)

Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
Consumer complaint received 2020-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Transunion is reporting inaccurate information on my report from a company name XXXX for a creditor XXXX XXXX XXXX. XXXX is reporting multiple accounts for the same account number and balance which is a direct violation of FCRA. Each XXXX account shows open XXXX XXXX same amount of {$210.00}. I've never been to this place so how do I owe this company.
Consumer complaint received 2020-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please be advised that I was set up on Auto Pay since my account was opened. I made all payments on time. On each statement your Auto Pay Policy states ( If you are enrolled in our Auto Bill Pay program, your automatic payments will continue until your balance is 0. ) I cancelled my service on ( XX/XX/2020 ) and went to another Carrier. 
However you did not continue to draft Auto Pay after my service was cancelled, ( which is inconsistent with what your Auto Pay policy states on the statement ). Also I was not notified that your company would not attempt to draft the Auto Pay for the last bill, so I was unaware that the last bill was not paid until it showed up on my credit report as a collection. 

I called XXXX XXXX immediately and paid the bill asking why you did not submit the Auto Pay draft. I was advised that since the service was cancelled your company stops the Auto Pay, again ( which is inconsistent with your Auto Pay Policy on the statement ). 

This late payment collection reporting on my credit report is due to an ( Auto Pay error ) with XXXX XXXX.
Consumer complaint received 2020-10-04
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: TD BANK US HOLDING COMPANY (NY)

I am writing today regarding my interest that has been charged on my account. I bought furniture from Raymour & Flanigan XXXX, XXXX with promotional deal with 0 % interest rate for 2 yrs period. With in the two years I have to pay full amount otherwise interest will be charged. According to deal I was paying every month payment. My intention was before two years I would pay whole principal amount and XXXX, XXXX was the last time to pay all the due. But unfortunately from XXXX XXXX covid-19 started and I became unemployed. After that to avoid the interest I hardly arranged money and paid my full principal amount. But unfortunately that payment they received instead XXXX, they received sometime in XXXX. For that 15 days delay they added almost {$1200.00} interest on my account and asking me pay all the interest otherwise they sue me and put bill to collections. I called them and explain them my situation but they denying all my request. 

I am not working since 5 months due to pandemic. I am currently unemployed and it is not possible for me to pay this huge amount. So this circumstances I need your help
Consumer complaint received 2020-08-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (CA)

This complaint is in reference to DISCOVER BANK Account Number XXXX. I sent a dispute letter by mail and it was returned as not deliverable and this is a violation of the law. All items on a credit report must be 100 % accurate and verifiable and this item can not be verified because I send a letter to the address being reported by the collection company and it was returned to the sender. Therefore I am demanding the item be deleted from my credit report at once or I may refer to a consumer credit attorney. 

The letter was sent to : XXXX XXXX XXXX DE XXXX Listed address on the record : XXXX XXXX XXXX DE XXXX
Consumer complaint received 2020-10-04
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. (CA)

To : Whom It XXXX concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2300.00}, {$4400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, XXXXection 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my account.
Consumer complaint received 2023-05-08
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. (GA)

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 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 2020-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Tower Loan of Mississippi, Inc. (LA)

Tower Loan was paid in full. They never closed the s count acted I paid it. Last month I disputed the incorrect account information with them about the inaccurate detailing of this account. They have entirely two different balances on my XXXX  and XXXX  reports. They then pulled me credit last month twice without my consent and then flagged my credit report as 30 days late after I disputed. These people are crooks. The credit bureaus keeps verifying the account and havent seen proof of how they verified.
Consumer complaint received 2020-09-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (IL)

My sister and I financed a loan through Toyota Finance for a XX/XX/XXXX XXXX XXXX XXXX  and in XXXX there was one payment left on the loan. Unfortunately, there was a bad storm and a tree in my sister 's yard fell onto the XXXX on XX/XX/XXXX creating a total loss. The insurance company called Toyota Finance to obtain the loan payoff amount with the intention of sending the payoff to Toyota and the remainder of the claim balance to my sister so as to expedite the process allowing my sister to purchase another vehicle quickly. This was very important as my sister 's son was severely injured in an auto accident on XXXX and my sister would travel almost daily to see him in XXXX some 70+ miles away. Toyota explained to the insurance company that their policy required the ENTIRE amount of the insurance check for the actual cash value of the vehicle and once received, they would process the payoff and return the remaining funds to my sister. The insurance company explained the situation to Toyota that my sister needed another car quickly but Toyota would not budge from their stance. I called Toyota around the end of XXXX after hearing the situation from my sister and I was told it was their policy to require the entire amount of the insurance check in a total loss situation and they refund any difference and we can expect a check between 18-21 days from when they receive the check from the insurance company. I asked their reasoning for why they needed to receive the entire amount of the insurance check - approximately {$12000.00} when we only owed {$430.00} left on the loan- exactly one payment. I was told this was their policy but was never explained the reason for said policy. I have worked in Loan Administration and know that there is no viable reason for this policy as the only sum of money needed by Toyota is the amount of the payoff to satisfy the loan balance and release their lien on title. As a result of this unfair policy, my sister and I have been financially harmed. I had to use my savings to purchase a car and at this point ( XX/XX/XXXX ), we have yet to receive a check from Toyota.
Consumer complaint received 2020-09-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My card was lost on XX/XX/2020 I made a claim after realizing my business bank account and savings were cleaned out and left with a high negative balanced. 

Bank of America took my paycheck deposits, my regular deposits as well as my {$1200.00} stimulus check and ignored my claim as well as my affidavit submitted to them. 

Bank of America closed my account and will not restore the credits taken from my account since XX/XX/2020 nor will allow me to withdraw my remaining balance which is over {$2000.00}. 

This denial has caused hardship especially in the social climate of covid-19. I lost my job because I could not access my account to pay for gas. Food supply in my home is low. 

It has been over two months now and this is highly unlawful. I will go to the news about this.
Consumer complaint received 2020-09-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC. (MO)

Wakefield and associates has placed a collections account on my credit reports in the amount of {$1200.00} with an original lender listed as XXXX XXXX XXXX XXXX with an account type not listed amount past due not reported and a highest balance reported as {$1000.00} and a credit limit not reported. I have never received any communication from them what-so-ever. I know nothing of this account and am confused about the fact that the first time I even found out about this is from pulling my own credit report. Is this mine, is it medical, did I receive services, was it properly billed, did I apply for credit, was I given an opportunity to make any arrangements with whomever the original lender is. VALIDATE this debt and validate your right to collect it
Consumer complaint received 2020-10-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (TX)

I continue to submit principal only payments on a monthly basis directed from my bank. These include my account number and " principal only '' in the memo. Caliber continues to fail to post these payments upon receipt. I have to call their customer service month after month to direct them to do the right thing. They are purposely attempting to collect more interest on this loan by not living up to their fiduciary duty.
Consumer complaint received 2020-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TD BANK US HOLDING COMPANY (PA)

The following companies have been on my credit report over 4 years. By the Pennsylvania XXXX laws on this it is illegal to try to start the statues over, such as XXXX is trying to do now, see attached. And it is illegal to pursue collection actions when it is over 4 years for credit cards, medical or any collection, see attached. I have written to each of these companies in the last 30-60 days asking to show me a contract between myself and them and Ive recieved nothing from any of them. Please remove these items from my credit report, on all three XXXX, XXXX, XXXX  as they are the ones whom are allowing these bogus companies to just do anything, report anything they want. None of the three reporting agencies has proved any contracts to me as I have written to all three to prove these debts. All they keep saying is its verified, but wont say how??? Its updated, all empty spaces and nothing is proven to me not a contract, nothing!!! Why is this allowed?? By law if its wrong it must be removed. If its out of date must be removed. So please remove immediately!!! Thank you
Consumer complaint received 2020-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc. (PA)

The following companies have been on my credit report over 4 years. By the Pennsylvania State laws on this it is illegal to try to start the statues over, such as XXXX is trying to do now, see attached. And it is illegal to pursue collection actions when it is over 4 years for credit cards, medical or any collection, see attached. I have written to each of these companies in the last 30-60 days asking to show me a contract between myself and them and Ive recieved nothing from any of them. Please remove these items from my credit report, on all three XXXX, XXXX, XXXX as they are the ones whom are allowing these bogus companies to just do anything, report anything they want. None of the three reporting agencies has proved any contracts to me as I have written to all three to prove these debts. All they keep saying is its verified, but wont say how??? Its updated, all empty spaces and nothing is proven to me not a contract, nothing!!! Why is this allowed?? By law if its wrong it must be removed. If its out of date must be removed. So please remove immediately!!! Thank you
Consumer complaint received 2020-10-04
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2300.00}, {$4400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I  am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my account.
Consumer complaint received 2020-08-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

I have experienced multiple service related issues with my current mortgage holder. They begun with a refinancing process that was completed on XX/XX/2020. 

The refinance was completed with XXXX XXXX XXXX XXXX XXXX Their contact information is : XXXX XXXX XXXX XXXX XXXX XXXX 
NMLS # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX The refinance was completed for a loan amount of {$280000.00} which was inclusive of the following : 1. {$6700.00} in closing costs ( including funding of the escrow account ) 2. - {$450.00} in prepaid closing costs 3. {$270000.00} in loan payoff. 

Since at the time of refinancing, the loan balance was {$270000.00} and the loan payoff amount exceeded that, {$1300.00} was applied as principal reduction to borrower. This is indicated as such in section ( K ) of the closing documents. 

Soon after refinancing on XX/XX/2020, the loan was sold to 'NewRez '. The contact information for NewRez is : NewRez LLC NMLS # XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX PA XXXX XXXX NewRez failed to do the following : 1. Apply the first mortgage payment in a timely manner ( the payment in the amount of {$4000.00} was made on XX/XX/2020 but was not credited till XX/XX/2020 ). Thus, the outstanding loan amount that accrued interest was higher for more than 30 days. 
2. Failed to reflect the correct loan balance of {$280000.00} - {$1300.00} XXXX principal reduction as explained above ). 
3. On XX/XX/2020, NewRez failed to make a payment to the homeowner 's insurance provider : XXXX XXXX which resulted in a cancellation of the policy due to non-payment, and subsequent attempts to reinstate the policy have resulted in a rate increase from {$410.00} ( per year ) to {$660.00} ( per year ). 

Several attempts have been made to contact NewRez to resolve these issues and the only notification received thus far is a request for additional time from NewRez to resolve this issue.

NewRez was first approached on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. On XX/XX/XXXX, NewRez was provided with all relevant documentation : Copy of the check that indicated the loan payment of {$4000.00} referenced above in item ( 1 ), Closing documents that reflected the accurate loan balance, referenced above in item ( 2 ). 

This information was sent again on XX/XX/XXXX at the request of NewRez.

It has now been over 90 days since the first time NewRez were approached to resolve this issue, and yet, no development has occurred. Additionally, I have to reinstate the homeowner 's policy and pay the premium out of pocket in order to maintain coverage.
Consumer complaint received 2020-09-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: WLCC (KY)

Ive already tried to contact this company, and I know they are not following the laws in my state of Kentucky. I already tried to contact them to extend my loan, which I know Im allowed to request per my state of Kentucky. 
I attempted again to contact them today, Im not able to speak with them until Monday. 
Although, I have no faith that they will work with me so I am requesting to cease with them any and all further automatic payments especially since it is now causing NSF fees with my bank. 
This company and others like them prey on people like me, take advantage, and do not follow the state laws of their customers. They also have no shame or mercy for people like me. 
The interest rate is astronomical and is not reasonable nor legal nor approved by my state laws. 
They also should be ashamed of taking advantage of me and others during this time of Covid with many are struggling.
Consumer complaint received 2020-10-04
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. (PA)

There are two accts on my credit report, see attached that have no info, dont know whos owed, Experian and XXXX wont remove, they just make no sense ... ... all it says is it belongs to original creditor see attached. Ive asked over and over get nothing. Sent certified mail 60 days ago to Experian and XXXX, still pending after all this time wont remove.