davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-07
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FirstPoint Collection Resources (NC)

I have attempted to settle with this company even though I feel this account is not mine but they would not settle. I also attempted to write multiple letters to dispute this creditor directly through XXXX  in regards to the inaccuracies of the account listed on my credit report and they rejected the fact that my medical records have been shared with XXXX  credit bureau. I am very aware that this violates my rights to patient privacy and goes against HIPPA codes on patient confidentiality. Please speed up the process of them deleting this account on my credit report or I will have to seek litigation not against the credit bureaus but against the medical company whom reported these inaccuracies to XXXX. thank you.
Consumer complaint received 2023-02-14
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: TOYOTA MOTOR CREDIT CORPORATION (IL)

XXXX XXXX XX/XX/XXXX shouldve just been a soft inquiry. I asked them more than once to just pull my credit as a soft inquiry and they pulled my credit as a hard inquiry. I didnt even end up buying the car and my credit score went down because of this. 

Toyota Financial Services XX/XX/XXXX shouldve just been a soft inquiry. I asked them more than once to just pull my credit as a soft inquiry and they pulled my credit as a hard inquiry. I didnt even end up buying the car and my credit score went down because of this. 

XXXX XXXX XXXXXXXX XX/XX/XXXX Looking to refinance but my credit was pulled without my permission. I went to pre approval and it didnt say it would give me a hard inquiry on my credit report.. 


XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX I dont not recognize this on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this. 

XXXX XX/XX/XXXX I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this. 

XXXX XXXX  XX/XX/XXXX I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this. 

XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this. 

XXXX XXXX XXXX ( Finance ) XX/XX/XXXX I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this.
Consumer complaint received 2022-02-18
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (FL)

I am a retired Veteran who is 100 % Permanently and Totally XXXX. My mortgage has been sold on XXXX occasions and landed with FREEDOM MORTGAGE currently. 

Since XXXX of 2021, XXXX has been attempting to escrow for property taxes that I am exempted from paying in the state of Florida. I have sent them on several occasions, the documentation that reflects my exemption, however, they have repeatedly ignored the exemption and continue to add to the escrow amount for taxes. 
Freedom Mortgage fails miserably in serving Veterans and takes advantage of their muddled and delayed processes to get resolution on such matters. They have attempted to change the parameters of the original loan and are in violation of federal laws that are designed to protect Veterans against such surreptitious lenders
Consumer complaint received 2020-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: COMMERCE BANK (CA)

On XXXX, XXXX, and XX/XX/XXXX of 2015. On each month I tried to submit my payment of {$250.00} each month which was on Auto-Bill pay and did not go through. I have reached out to Commerce Bank and they have said for years that they saw that they saw the payment tried to come out when I was banking with them but it was rejected. They never notified me of the rejection and they gave me these 3-30 day late payment marks. I now can not get a mortgage because of these marks on my credit and the company will not help me with this unfair situation.
Consumer complaint received 2020-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (CA)

Target is reporting a debt on my credit that I no longer owe. This debt is past the statute of limitation in California. And not only is it past the statute it's really old and past the credit reporting limit. I am requesting this account to be removed off of my credit file.
Consumer complaint received 2020-04-07
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)

I applied for a loan today XX/XX/2020 because I need help catching up on some bills but I was not approved because apparently there are accounts reflecting badly on my credit report. There are more than ten accounts in negative standing on my report that do not belong to me. I did not open any of those accounts and I did not allow anyone to open those accounts in my name. I do not have any written or verbal contract with any of those companies nor did I benefit anything from any of these accounts such as money, goods, services or any other benefit. I never made any payments towards those accounts and I have already filed a police report and a complaint with the consumer financial protection bureau.
Consumer complaint received 2020-04-07
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)

I applied for a loan today XX/XX/2020 because I need help catching up on some bills but I was not approved because apparently there are accounts reflecting badly on my credit report. There are more than ten accounts in negative standing on my report that do not belong to me. I did not open any of those accounts and I did not allow anyone to open those accounts in my name. I do not have any written or verbal contract with any of those companies nor did I benefit anything from any of these accounts such as money, goods, services or any other benefit. I never made any payments towards those accounts and I have already filed a police report and a complaint with the consumer financial protection bureau.
Consumer complaint received 2023-01-06
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: WELLS FARGO & COMPANY (GA)

I checked my personal credit report, and I noticed an unauthorized inquiry had been made. 

I request that you initiate an investigation into the inquiry listed below on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within XXXX business days of the completion of the Thank you for your assistance in this matter, __________________________________
Consumer complaint received 2020-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America is reporting debts on my credit that I no longer owe. This debt is past the statute of limitation in California. And not only are they past the statute they are really old and past the credit reporting limit. I am requesting this account to be removed off of my credit file. Account # XXXX - XXXX XXXX
Consumer complaint received 2023-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (IA)

Three fraudulent charges were added to our credit card statements starting on XXXX for a total of = {$610.00} and added interest of the disputed amount of {$18.00}. All attempts to resolve the issue have failed as of the XXXX statement.
Consumer complaint received 2023-03-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LTD Financial Services, L.P. (AZ)

Notice to Cease and Desist To Whom it May Concern, This is in reference to the Consumer Report sent to me dated XX/XX/2023. While checking the above report, it came to my notice that your Company ( XXXX XXXX XXXX ) has furnished ( 1 ) account on my report, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, amount listed {$560.00}. 

According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 
As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ). 

Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, emails, social media, or any XXXX XXXX XXXX. 
Any further contact by your Agent or Company ( LTD Acquistions LLC ), except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you.
Consumer complaint received 2020-04-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (TX)

Requested deferral of my FHA home mortgage due to being placed on greatly reduced hours by my employer. Caliber Home Loans services my FHA mortgage. Their only proposal for a deferral was to defer three months payments but then the entire amount deferred becomes due and payable in the fourth month. Under the CARES Act, I thought the deferral could be longer and the total amount deferred would be added to the end of your mortgage. Many friends are getting this result. XXXX XXXX   proposal amounts to a very short term loan which does not help. I will not have that money in three months. I am a XXXX XXXX at a XXXX XXXX that had to basically shut down and have filed for unemployment. My husband is a XXXX XXXX. Our income has been cut significantly with the greatly reduced hours and we need mortgage assistance. We are first time home buyers as well.
Consumer complaint received 2020-04-07
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. (CA)

I applied for a loan today XX/XX/2020 because I need help catching up on some bills but I was not approved because apparently there are accounts reflecting badly on my credit report. There are more than ten accounts in negative standing on my report that do not belong to me. I did not open any of those accounts and I did not allow anyone to open those accounts in my name. I do not have any written or verbal contract with any of those companies nor did I benefit anything from any of these accounts such as money, goods, services or any other benefit. I never made any payments towards those accounts and I have already filed a police report and a complaint with the consumer financial protection bureau.
Consumer complaint received 2020-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (CA)

On XX/XX/2020 a credit of {$16000.00} from a cancelled trip was applied to my Citi visa card ending in XXXX. 

On XX/XX/2020, I requested the credit balance to be sent to me by check. I was told that the check would be sent to me by XX/XX/2020. 

I have made numerous calls to Citi Visa each with a very long wait time and so far no check has been issued to me. The $ XXXX credit balance remains in my account. I realize in this time of the virus pandemic there are staff shortages but it has been too long for my money to be withheld by Citi.
Consumer complaint received 2020-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (CA)

Chase Card is reporting a debt on my credit that I no longer owe. This debt is past the statute of limitation in California. And not only is it past the statute it's really old and past the credit reporting limit. I am requesting this account to be removed off of my credit file.
Consumer complaint received 2020-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I purchased and financed a vehicle last XXXX ( 2019 ). Everything was fine at first, and then I started having problems with the finance company in the summer of 2019. I continued to make my regular, on-time payment every month ; but I discovered that the finance company had applied my payments to another customer with a similar name. The result was that my account started to report as delinquent in XXXX of 2019. When I spoke to the dealership about the mistake, they said they saw the problem, and would fix it. Despite their promise to correct the problem, they have continued to report me late each month. I have paid my loan on time every month, since I financed this vehicle. But despite that, this company continues to report my account as late, and is destroying my credit rating.
Consumer complaint received 2020-04-07
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. (NC)

I purchased and financed a vehicle last XXXX ( 2019 ). Everything was fine at first, and then I started having problems with the finance company in the summer of 2019. I continued to make my regular, on-time payment every month ; but I discovered that the finance company had applied my payments to another customer with a similar name. The result was that my account started to report as delinquent in XXXX of 2019. When I spoke to the dealership about the mistake, they said they saw the problem, and would fix it. Despite their promise to correct the problem, they have continued to report me late each month. I have paid my loan on time every month, since I financed this vehicle. But despite that, this company continues to report my account as late, and is destroying my credit rating.
Consumer complaint received 2022-02-18
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.
Consumer complaint received 2020-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I purchased and financed a vehicle last XXXX ( 2019 ). Everything was fine at first, and then I started having problems with the finance company in the summer of 2019. I continued to make my regular, on-time payment every month ; but I discovered that the finance company had applied my payments to another customer with a similar name. The result was that my account started to report as delinquent in XXXX of 2019. When I spoke to the dealership about the mistake, they said they saw the problem, and would fix it. Despite their promise to correct the problem, they have continued to report me late each month. I have paid my loan on time every month, since I financed this vehicle. But despite that, this company continues to report my account as late, and is destroying my credit rating.
Consumer complaint received 2022-02-18
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. (MI)

I have disputed 2 ( XXXX ) accounts with XXXX and Transunion for over 6 ( XXXX ) months. 

XXXX. XXXX : XXXX XXXX XXXX XXXX for {$100.00} XXXX XXXX XXXXXXXX XXXX XXXX account number XXXX These accounts are being furnished inaccurately and do not belong to me or my credit report. My disputes are being ignored.
Consumer complaint received 2022-02-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southern Management Systems Inc. (TX)

XXXX XXXX Apartments in XXXX Mississippi added duplicate and previously paid amounts to a bill for my son 's lease bill. I am a guarantor on this account. when the incorrect charges were brought to the companies attention they assured me the charges would be fixed. They were not corrected with in the 72 hours they promised. 

After my son 's scheduled move out on the XXXX of XX/XX/2021, they refused to speak to us about the incorrect bill and said their debt collection service would contact us.
Consumer complaint received 2021-01-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/XXXX, I applied for and opened a Bank of America XXXX XXXX Banking Account. I used the promotional code XXXX when opening the account. It had been more than 6 months that I last owned a Bank of America checking account, so I qualified for the promotion. After I had met all the terms of the promotion, I did not receive the {$100.00} bonus that was supposed to be deposited into my account. I called Bank of America twice to inquire about this -- once on XX/XX/XXXX and on XX/XX/XXXX. In the XX/XX/XXXX call, the representative was very unhelpful. In the XX/XX/XXXX call, I was given a case number that I could use for tracking my escalation. I have not received the {$100.00} that was promised.
Consumer complaint received 2020-04-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

XXXX XXXX XXXX was my mortgage holder. LoanCare Inc. was/is my mortgage service company. LoanCare Inc. purchased my loan from XXXX XXXX XXXX. 

When the purchase was made LoanCare Inc. failed to make the autodraft withdrawal on XX/XX/XXXX as it had done for the last 9 months. I tried to call its customer care line to discuss the issue. I wanted to ensure that a payment was made before XX/XX/XXXX so that no late fee would be given. I was concerned for this issue because countless XXXX/XXXX  complaints stated this was LoanCare 's  modus operandi. 

When I called LoanCare 's telephone number I learned that I had no means to speak to an actual operator. Telephone service would just loop you back around to a worthless computer system. I spent 10 minutes to try to reach a real person but to no avail. 

On XX/XX/XXXX I self-remedied the situation by send a one-time mortgage payment through its computer system. I then canceled my auto draft option to ensure that another auto draft payment would not occur. It did this ensure that a double payment would not be made. I took a screen shot of my cancellation to document it so that LoanCare could not deny that it was done. 

On XX/XX/XXXX LoanCare ignored my canceled auto draft order and withdrew a second mortgage payment. I spoke to my bank when this occurred. I gave them the proof to my canceled LoanCare autodraft order. I told XXXX XXXX to reverse this second autodraft. I then emailed LoanCare to tell them what I did. I directed them to contact XXXX XXXX to facilitate the correction of its mistake. 

On XX/XX/XXXX the second mortgage payment was reversed. Yet, LoanCare charged me a {$25.00} fee/fine saying that my second withdrawal " bounced. '' This fact is not true. 

On XX/XX/XXXX I emailed LoanCare to give notice to its mistake and to withdraw its levied fine. 

On XX/XX/XXXX XXXX automatically withdrew my mortgage payment even though I had canceled my autodraft payment. This last event is more petty than its earlier behavior because I had intended to make my payment anyway. Yet, it is still an unauthorized withdrawal and it shows LoanCare 's brazen pattern of malfeasance toward its customers. 

In sum, I deem LoanCare 's continuous flouting of federal and state laws to be analogous to a criminal cartel that believes that its activities are beyond the law 's reach. In today 's dark times ( Covid-19 ) LoanCare consistently demonstrates that it doesn't care about American citizens. LoanCare 's only goal is to take money from us by legal and illegal means.
Consumer complaint received 2020-04-08
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. (GA)

had problem with my credits history on my billing statement and had to make few calls to get it solved, and i believe my ID had been stole by someone as i found out there was another name on my account i have never use cause it is misspelled and i also found there had been applied for cards or loan. I don't recalled applications any of those on my records so i see now i am being caught who is using my id and trying to fix this. There was a struggling moment i had follow up with cause i feel someone is taking advantage of me and my credits. there is lots more i see on my credit reports. Need someone to help me to clean this up cause it hurt me a great deal i struggled over the years to clean this mess i didn't do, and remove these fraudulent accounts from my credit.