davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-01
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: CAPITAL ONE FINANCIAL CORPORATION (MO)

i recently received and closely studied a copy of my credit report. To my dismay, it seems that the credit report currently shows an alleged credit inquiry 1.XX/XX/XXXX 2.XX/XX/XXXX by this company that is not of any evidence detailing my authorizing of it or any verifiable documented physical proof of the adequately lawfully acquired permissible purpose from the one and only legally identified me and or any person and or entity with authority to render such permissible purpose. I understand that nobody should be allowed to put an inquiry on my credit file unless I authorize it.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I am writing to formally dispute the existence of a loan listed on my credit report. I do not recall taking out this loan and have not authorized any such transaction.

I request that you investigate this matter, as it may be a case of identity theft or an error. Please provide me with any documentation related to this loan, including the original application and any account details.

I appreciate your prompt attention to this issue and look forward to your response.
Consumer complaint received 2021-11-23
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. (MI)

XXXX NEVER reports payments I've made to any credit bureau and they refuse to update the principal balance which has been decreasing with my payments that I'm making. All XXXX credit bureaus refuse to help. Enough is enough. I will get a lawyer if the CFPB doesn't so their job and XXXX continues to XXXX over borrowers and not report properly under XXXX XXXX. They also have NEVER provided me any kind of statement there is only XXXX in my account they have no other statements except for XXXX month I have contacted the XXXX XXXX I have contacted the XXXX XXXX XXXX I have contacted you here I have contacted the XXXX XXXX XXXX and I can not get any of my statements. I never know how much interest they are charging me how it is being applied my payments and how they are being applied I show nothing I get no statements. This is not legal.
Consumer complaint received 2021-11-23
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Central Portfolio Control Inc. (CT)

I was contacted via text message to my personal cell phone number by a bill collector and told to call them. 
They addressed me by my first name and provided a number to call them but neglected to include in the body of the text message a simple and reasonable way to opt out of further communication with them. 

I believe that this is a very clear violation of FDCPA section 1006.6e. Because they broke FDCPA law I would be well within my rights to file a law suit against them. 

I have never heard of this company and have never done business with them either. If they insist that they purchased a debt that was in my name then they need to provide an official Purchase Agreement as poof rather than sending bills to my house. If they believe that some sort of bill of sale is verification they are wrong. The only official and legal verification that would hold up in a court of law is the actual, original Purchase Agreement. A bill of sale is a small portion of a larger document and thusly invalid.
Consumer complaint received 2021-11-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (MA)

Re ; XXXX XXXX. 
On XX/XX/21 my order for XXXX coins was filled by Coinbase Trade ID # XXXX. 
Fill price was XXXX each coin, for a total of {$930.00} USD, which has since been removed from my account at Coinbase. 
On XX/XX/21 Coinbase removed/blocked access of my XXXX coins of XXXX. 
My XXXX  coins and my {$930.00} USD are " Missing '' from my account. 
And by missing, I mean they are being withheld from me by Coinbase. There is NO monetary reflection of this transaction in my Coinbase account. 
I do have proof of this transaction in the form of a screenshot of my orders in my Coinbase Account. 
In short, Coinbase has taken, removed, stole ( without my consent ) my XXXX coins and or {$930.00}. 
This action taken by Coinbase is criminal.
Consumer complaint received 2021-11-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Law Offices of Mitchell D. Bluhm & Associates (FL)

I am a federally protected consumer, submitting this complaint on my own behalf ; expressed on XX/XX/2021 ; I contacted THE LAW OFFICES OF XXXX. XXXX XXXX XXXX XXXX, XXXX ATTORNEYS AT LAW on or about XX/XX/2021 requesting remaining documents to validate and verify dunning response on or about XX/XX/2021. 

It has been greater than 30 days since I sent notice of dispute, demanding proof of claim and I have yet to receive documents providing proof of claim of referenced account.
Consumer complaint received 2021-11-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Palmar, Inc. (MN)

My Identity was stolen in summer 2012. 
File of documents ; social security cards, check books, bank account statements, along with my drivers license were stolen out of my vehicle. 
I had just purchased a vehicle. 
I have NOT opened an account with this creditor, therefore this is a FRAUDULENT account. I Also have never received a phone call or a letter from such creditors.
Consumer complaint received 2021-11-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION (DC)

In XXXX, 2020, I applied to refinance my home mortgage at XXXX XXXX XXXX XXXX  ) XXXX, XXXX. I had previously refinanced my mortgage on XXXX prior occasions with BB & T. I sought to refinance to go from a XXXX year mortgage to a XXXX year mortage. I would also lower my interest rate which meant my payment would decrease by over {$800.00}. My house is valued over {>= $1,000,000}. Yet I only sought to borrow {$280000.00}. My verified assets are over {>= $1,000,000}. In addition to my house, I own XXXX other properties free and clear. When I initially applied, I provided BB & T with all of my financial information, including my thrift savings account, which now exceeds {>= $1,000,000} and brokerage accounts approaching {>= $1,000,000}. My current mortage on my house is less than {$280000.00}. I do not have a mortage on my apartment building or another house. BB & T likewise has XXXX years of tax returns and several weeks of pay stubs. During the first XXXX months, BB & T asked that I verify that I did not have a mortage on the XXXX properties, something they never asked for in the past. I repeatedly asked how can I prove it. BB & T never told me how to do that. On XX/XX/2020, after XXXX  years, XXXX months, i retired from XXXX. I provided BB & T my retirement estimates, which turned out to be fairly accurate. Nevertheless, BB & T wanted income verification. However, because of the pandemic, the government could not provide that information. I subsequently received my pension verification several months later. During the interim, for the first time,, I was denied my loan BB & T was able to determine that from my credit report, which it had and going on line. after XXXX months, BB & T changed ask for income verification. Unfortunately, with the virus, I was unable to provide the information. BB & T then rejected my loan. At every step of the process, I asked what more i could do. In the end, I guess i am not the type of person BB & T wants to deal with. Always timely with payments and a XXXX XXXX over XXXX. 
XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX application number XXXX
Consumer complaint received 2022-01-25
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. (TX)

I was a victim of Identity Theft. On XX/XX/2021 I have submitted my Federal Trade Commission Report to all three major bureaus ( Equifax, XXXX, XXXX ) to further confirm my status as a Victim of Identity Theft that was caused due to the EQUIFAX DATA BREACH. 
This has caused a lot of headaches to my livelihood and not being able to properly use my credit when needed. I have been denied access to loans, credit, mortgages as a result of this.
Consumer complaint received 2024-06-06
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: Tesla, Inc. (PA)

A hard inquiry that I did not authorize is on my credit file with XXXX ( only ) from a creditor named Tesla. I did apply on the date in question with Tesla, but only once. There are two hard inquiries from Tesla on my file ON THE SAME DAY. I only authorized one pull on my report. I did contact Tesla Financial about this and the said they would correct it, but have not. XXXX also would not help ( they are awful to deal with in regard to removing unlawful hard inquiries. 

I RECENTLY PURCHASED A NEW CAR. DURING THIS PROCESS, I APPLIED WITH XXXX ( WHO I BOUGHT FROM ), TESLA FINANCE ( ONE TIME ONLY, AND THEY WERE ADVISED THAT THE I ONKLY AUTHORIZED TESLA FINANCE AND NO OTHER LENDERS ), AND XXXX XXXXXXXX ( THAT WAS ONLY A SOFT INQUIRY ).
Consumer complaint received 2022-01-25
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: EQUIFAX, INC. (NY)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2024-06-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Debt Collectors International, Inc. (VA)

Back in 2023 I had a breakdown in XXXX XXXX XXXX, Utah. I found a roadside assistance on XXXX. I called the guy and I explained him the situation and he agreed to come and repair it. However, he asked for prepay for the service. I agreed and I paid on my credit card. Once I paid he said he would be there in XXXX minutes. Time passed and I kept texting him! He said the same. The state trooper was behind me and my co-driver also was with me. He never showed up and I called another roadside assistance he came and repaired on site. Still, the other guy did not show up. I asked them to refund me for the service that I did not receive it, but they charged me {$350.00}. I disputed the transaction and after a few months they have decided that I have a right to get my money back. Now, a debt collector sent me an email and he was saying that I owe that money and I never paid him. I have to pay in XXXX  days. I called the debt collector and I spoke with him nicely to explain him the situation, but he was threaten me that he would take me to court and he would put me in jail if I do not pay it in XXXX days. I need you guys step in this situation please! 
Thanks
Consumer complaint received 2021-11-23
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello, I filed a report with the XXXX XX/XX/2021 ( XXXX Report Number : XXXX ) listing all accounts, inquiries and addresses that do not belong to me sent via XXXX XXXX mail with XXXX ( tracking # XXXX ), XXXX ( tracking # XXXX ), and Transunion ( tracking # XXXX ) on XX/XX/2021. It has been more than XXXX days and they have completely ignored my letters.
Consumer complaint received 2021-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them letter last XX/XX/2021 for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. KINDLY REMOVE these accounts that are still reporting on my account : XXXX XXXX *****Opened Date XX/XX/2021 Balance {$50.00}
Consumer complaint received 2021-11-23
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WSFS FINANCIAL CORPORATION (IL)

As soon as the Illinois XXXX lifted his Moratorium that halted evictions, Wilmington Savings Fund Society , XXXX ( working in concert with XXXX and its related entities ) through their agents caused XXXX XXXX Sheriffs to pay an unwarranted visit on my house XX/XX/XXXX in pursuit of void, purported foreclosure debt or fraudulently obtained orders. The interests of the perpetrators spring from unauthorized foreclosures that they conducted in every jurisdiction. The US Government already sued XXXX and its related entities ( XXXX ) for the underlying foreclosures that they conducted in fraud and was awarded {$470.00} XXXX in a settlement. But the perpetrators, with the help of an intermeddling company -- Wilmington, some kind of transfer agent, are actively pursuing the underlying unauthorized foreclosure " debt '' by presenting more false and fictitious documents ( including false certifications, affidavits, etc. ) to courts, the Sheriff 's Office, land recording systems, and local governments. They've hit me with a succession of false and frivolous eviction suits ( related to the illegal foreclosure ) filed in an inappropriate municipal district of court under seal XXXX! Caused a false quitclaim deed to be recorded against my property XX/XX/XXXX in anticipation of Wilmington vexing me with further litigation, and have also caused my property to be falsely listed for sale XXXX XXXX XXXXXXXX XXXX # XXXX ). The perpetrators have not, and can not produce the prerequisite proofs to show that they had complied with the XXXX when litigating their claims or to show that they have a legally valid right to sell or take over my property. They rest on fraudulently obtained orders that are the result of their own violations of the federal False Claims Act and state consumer fraud law ( See XXXX 's Press Release # 16-148 for 02/05/2016 ). Their actions are intimidating, coercive and ongoing, violating federal Fair Housing Law ( 42 USC Section 3617 ), and should be stopped. They are pretending to have an interest in my property when they do not, and are abusing civil process and the court system to pursue their false claims. Property tax records pursuant to the Public Act found at 55 ILCS 5/3-5010.5 ( e ) corroborate the fact that I am the rightful owner of the subject matter property.
Consumer complaint received 2021-11-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AXOS FINANCIAL, INC. (NM)

Axos Bank increased my monthly payment without notifying me and will not return any of my phone calls, messages, emails, or online chats. When I call their phone numbers, I am put on hold for hours and hours with no response. I want to resolve this issue with my mortgage, but they are not giving me an opportunity to discuss it.
Consumer complaint received 2023-11-30
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. (TX)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 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 2019-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

As requested by the credit bureaus, Experian and XXXX please see attachment for additional relevant information concerning the following account. ( XXXX XXXX ) In the attachment you will see a signature contract page sent to me by the original creditor as proof of validation. Please pay close attention to signatures of which appears to be robo signatures, which is not at all consistent with my original signature. By default it is concluded that this account is fraudulent and does not belong to.
Consumer complaint received 2021-11-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION (CA)

WHAT SN SERVICING IS FAILING TO REALIZE IS THAT I AM XXXX YEARS OLD. MY HUSBANDS INCOME WAS THE ONLY SOURCE OF INCOME ALONG WITH MY DAUGHTERS INCOME. AT XXXX BECAUSE THE LOAN IS UNDER MY NAME I HAVE TO MAKE INCOME TO SAVE MY HOME OF MANY YEARS. AT XXXX YEARS OLD HERE I AM CLEANING HOUSES, WASHING CLOTHES, IRONING CLOTHES, ANYTHING TO GET BY. I AM JUST UNTIL NOW STARTING TO MAKE MONEY AND CAN MOVE FORWARD WITH MAKING MY MONTHLY MORTGAGE PAYMENTS. I HAVE NOT OPENED A BANK ACCOUNT AS I REFUSE TO PAY THE BANK {$15.00} A MONTH TO PROVE MY INCOME TO SN SERVICING. I CAN USE THOSE {$15.00} TOWARDS THE MORTGAGE PAYMENT.
Consumer complaint received 2021-11-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (NJ)

I was asked to provide master condo hazard insurance coverage document for loan XXXX which i did ( XXXX certificate XXXX valid for XXXX ). Upon checking my escrow account I found that initially there was a charge of {$2900.00} on XX/XX/XXXX for a lender placed insurance and later refund of {$2400.00} on XX/XX/XXXX when Flagstar bank received the master condo policy. I was told the remaining charge was due to lender placed insurnace for not having proof of insurance for XXXX. I also uploaded the master condo hazard policy for the period XXXX ( XXXX certificate XXXX ) on XX/XX/XXXX. However Flagstar bank has not issued the refund for {$470.00} yet. I have called the customer care helpline XXXX times but there is no resolution yet.
Consumer complaint received 2021-11-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I had a phone conversation with Portfolio Recovery to try to settle my XXXX gas card account. I was threaten to sign a consent to judgement form when there legal team sends it in the mail. I did do what the Federal Trade Commission site recommended to call my first creditors for a settlement. And as the XXXX says its XXXX Credit card account at a time to settle. Now I have settled most of my account and no one ever said to me that I can not pay my debts without signing a consent to XXXX forms. In fact I settled XXXX account ( XXXX XXXX XXXX XXXX XXXX ) purchase by Portfolio Recovery and I did not sign a consent to judgement form. I Think this is suspicious XXXX behavior to threaten my credit when I want to settle my XXXX account that was purchased by Portfolio. I know that sign a consent to judgement form in not a requirement to pay and settle a debt.
Consumer complaint received 2021-11-23
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: Santander Consumer USA Holdings Inc. (MO)

On XX/XX/2021 I spoke with 3 members of Chrysler Capital about the Title and the retail installment sale contract/purchase money loan and violation of the down payment. Members names and ID 's are the following : XXXX. XXXX # XXXX XXXX. XXXX # XXXX XXXX. XXXX # XXXX - executive office manger I informed the 3 members that I noticed " billing errors '', " fraud '', " deceptive '', " misleading '' and false representation of the character and amount in the " purchase money loan '' pursuant to 16 CFR 433.1 ( d ). Also, I informed the 3 members of Chrysler Capital that the Title should be granted LIEN free. As of XX/XX/2021 Chrysler Capital is in receipt of my " Cease and Desist letter ( 15 USC 1692c ( c ) ) '', " Debt Validation Letter ( 15 USC 1692 ( g ) ) which chrysler capital needs to send me a written notice containing the following ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.