davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-30
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: EQUIFAX, INC. (GA)

According to 15 U.S.C 1681 states that CRAs are required to report only accurate credit reports and exercise the consumer 's right to privacy. 15 U.S.C 1681 subsection ( A ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

These consumer reporting agencies are in violation, of which, 15 U.S.C. 1692g ( a ) - Notice of Debt { Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing }. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.

I contacted them multiple times but I never received any response yet, which violated my rights on 15 U.S.C 1681N and 1681O for their willful and negligent non-compliance.
Consumer complaint received 2021-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

My protection 's privileges have been penetrated and intruded by TransUnion which is an immediate violation of federal law. TransUnion reporting misleading accounts on their website without my written consent and this is another violation as well. It is their responsibility to ensure fairness, impartiality and protect the consumer 's rights of privacy. I am distressed with their negligence.
Consumer complaint received 2021-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NC)

On XX/XX/XXXX we deposited 20 checks at the ATM totaling {$10000.00}. Transaction # 51 for card # XXXX. 

On XX/XX/XXXX, all 20 items were reversed. 

On XX/XX/XXXX, we received a letter from Wells Fargo regarding one item, that it was rejected as " Altered Check ''. 

The photocopy included with the letter makes it clear that the check in no way altered. 

We've still to receive any notification regarding the 19 other items that were reversed. 

Not only has Wells Fargo reversed this deposit, they have failed to return the items to us. 

Because of the department 's daytime hours, I have been unable to speak with anyone regarding this. And Wells Fargo offers no messaging or email option for customer service. 

20 altered checks is a very serious accusation, especially when none of them have been altered.

I want these items to be redeposited ASAP, since it is clear there was no reason for them to be reversed to begin with.
Consumer complaint received 2022-10-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MA)

Mr. Cooper has failed to pay my taxes, failed to reimburse me for my fees and interest I paid because they did not pay my real estate taxes, and failed to add the new parcel on my account so this wouldn't happen again. A year later I am going through the same motions of failed tax payments, house being put up for auction, and long overdue bill with fees and interest with promises of resolution this time. I am doubtful of success after the last 3 attempts to resolve this with them. 

I purchased my house in XXXX of XXXX through a different lender ( Nationstar? ) where it immediately changed hands to Mr. Cooper. My house has 2 parcels which were purchased appropriately, but in XXXX of XXXX, I received a letter of delinquent taxes for the one of the parcels where they didn't pay the taxes for the entire year and are about to put my house up for auction. I immediately paid the bill with fees and interest, where Mr. Cooper told me over the phone that they missed XXXX of the parcels with the Escrow Tax payments, were very sorry and have added the parcel back, and will reimburse the fees and interest. After no progress or update was done, I called back where I was able to get a confirmation email that they were supposed to have added the parcel back in, and are working to pay me for the fees and interest accrued throughout the year XXXX. No response or action despite follow-up calls, escalations, and faux promises. 

Currently, I have received yet another letter that I have a few weeks to pay this Real Estate parcel tax bill that Mr. Coper has failed to pay ( again ) or my house is going up for auction. 

I have no faith that Mr. Cooper will resolve this issue nor make restitution for their errors where I am looking for outside or legal assistance.
Consumer complaint received 2023-11-29
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. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXXXXXX 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 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 XXXX XXXXXX/XX/XXXX. 

According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-08-30
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. (TN)

My protection 's privileges have been penetrated and intruded by Equifax which is an immediate violation of federal law. Equifax reporting misleading accounts on their website without my written consent and this is another violation as well. It is their responsibility to ensure fairness, impartiality and protect the consumer 's rights of privacy. I am distressed with their negligence.
Consumer complaint received 2019-12-04
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: EQUIFAX, INC. (NY)

I am writing to dispute an account fraudulently opened in my name. 
I am a victim of identity theft and did not open this account. 
I am a victim of the equifax data breach. 
State issued ID have been compromised and my social security has been compromised. 
My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts.
Consumer complaint received 2021-08-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (IN)

I have had my bluebird card for awhile now and have been getting stimulus payments and my child tax credits on it and I withdraw money from another card to add onto my bluebird account and today it tells me my account has been permanently suspended and I cant get ahold of them the automated message just hangs up on me and tells me to write them
Consumer complaint received 2019-12-04
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. (NY)

I am writing to dispute an account fraudulently opened in my name. 
I am a victim of identity theft and did not open this account. 
I am a victim of the XXXX  data breach. 
State issued ID have been compromised and my social security has been compromised. 
My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts.
Consumer complaint received 2019-12-04
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: Global Lending Services LLC (FL)

I did not give Global Lending Services nor XXXX XXXX authorization to check my credit nor provide them with my personal information. Global Lending Service did not do thier due diligence by requesting a copy of a credit report from XXXX XXXX that bares my signature proving I authorized them check my credit. I have been in contact with Global Lending Services and XXXX XXXX, niether has produce a credit application with my signature. XXXX XXXX told me that they are not giving out me personal info. They told me someone stole my indenity.
Consumer complaint received 2021-08-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (FL)

CREDIT COLLECTION SERVIC XXXX XXXX XXXX XXXX, MA XXXX Has been sending me collection notice in the amount of {$450.00} the collection has been reported as past due. I do not know this company. I have never done business with this company. This company do not have a contract with my signature. What would be a fair solution for this issue?
Consumer complaint received 2021-08-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

I submitted an " error notice '' to the mortgage servicing company regarding a payment they applied to the wrong loan number. They sent a letter after some time acknowledging the mistake, but claiming they will be reversing and reapplying all charges from a date one month before up to the present. They then calculated that they only owe me a refund that is {$660.00} less than the amount of the " misapplied '' loan payment. 

They sent me the check in the amount of {$1200.00} and at the same time, sent me a NOTICE OF DEFAULT AND INTENT TO ACCELARATE stating I owe them {$1100.00}, made up of the {$1200.00} minus a {$160.00} Corporate Advance balance.
Consumer complaint received 2019-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

Request for credit was declined based on inaccurate information, and inaccurate credit score. I am requesting to have the opportunity to open up credit based on accurate information. Making decisions based on inaccurate or incorrect information is discriminatory in nature.
Consumer complaint received 2021-08-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Technology Federal Credit Union (TX)

I noticed a collection account on my credit report from the collection company XXXX XXXX which looked a bit odd to me because the balance is still being reported by the original creditor, First Tech CU and the reported dates weren't right. After disputing the collection account with the credit bureaus and they did not resolve my dispute, I wrote a letter to XXXX XXXX  to the address listed on my credit report and asked them to validate the debt that they are reporting and they did not respond to my request for validation. After checking my credit report I noticed they are still reporting this account even though they did not validate it. I sent them a follow up letter requesting they delete the account because they failed to validate it and they did not respond nor have they deleted the reporting. I researched this issue on your website and the FTC website and I found quite a bit of information regarding violations of the FCRA and the FDCPA and this company has committed multiple violations. They are listed below : 1. Failure to respond to debt validation 2. Still reporting to the bureaus within 30 days without validating I feel like I have done all I can do on my own and I really need your help. Maybe they will respond to you guys. Thanks.
Consumer complaint received 2020-02-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (NC)

I had just received a response from Dovenmuehle regarding incorrectly charging me for two insurance policies and increasing my monthly payments from XXXX to XXXX and change. I dont understand why they have now changed my monthly payment from XXXX to XXXX for 12 months. They claim I have a shortage in my escrow which is true since requiring to get windstorm insurance and then paying the XXXX insurance out of my escrow. But increasing my monthly payments by XXXX for 12 mths because of a shortage of XXXX, doesnt make sense!! I demand to know why I am being charged this amount for 12mths! I have attached your last explanation and its incorrect. You stated the increase is only XXXX. Clearly you dont know Basic math!! Please see attached documents and explain to me how you can justify this increase of XXXX for a year!! Why dont you allow us to make the payment to my escrow for the shortage?? You are criminals! Escrow fraud!!
Consumer complaint received 2021-08-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (MD)

On XX/XX/2021, a representative for Flagstar Bank was peering in my front window. I asked them what they were doing and they said delivering a message. Peering in my front window has nothing to do with delivering a message. 

This same message left on the doorknob has been delivered on numerous occasions. I am in forbearance on my mortgage and will resume payments on XX/XX/2021. Everything is in order on my online account. I have tried to reach out to Flagstar via the telephone number indicated on the message but am unable to get through with a maze of automated messaging and wait times. 

Flagstar is in violation of State of Maryland breach of privacy ( peeping-tom laws ) and at this point, trespassing.

Flagstar is hereby notified that they are not permitted on my property and action will be taken if they violate any and all of my rights.
Consumer complaint received 2021-08-30
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PENNYMAC LOAN SERVICES, LLC. (MI)

Qualified Written Request and Complaint against PennyMac Loan Servicing, LLC and XXXX XXXX XXXX XXXX, as a Paying Agent for some XXXX XXXX XXXX XXXX. 
On XX/XX/2021 some Third Party Payment Processing Services ( who lacks any corporate identity or contact information ) submitted {$1000.00} payment via XXXX XXXX ACH for my home insurance policy from someones home on behalf of some Mortgage Company who lacked any banking information and reference number to this transaction. 
According to Financials prepared by XXXX XXXX XXXX XXXX, my home insurance due was {$600.00}. 
Please provide me the full corporate name and contact information for Third Party Payment Processing Services ; and which relationship it has to PennyMac and XXXX  XXXX XXXX XXXX  ( who is accepting my payments money from PennyMac, thus is responsible for all outgoing payments related to my escrow account ). 
Please explain how amount {$1000.00} was calculated if the due is {$600.00}. 
Please provide me the name and contact information for XXXX XXXX XXXX XXXX and PennyMacs accountants who authorized this payment. 
Please provide a receipt for this payment.
Consumer complaint received 2020-02-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (NY)

My bill for XXXX was x amount of dollars I called them them in attempt to pay it off and turns out they are saying it's much higher that's the bill no sort of interest etc on top of the price I actually called them a number of times and they are sticking with it and I don't know how to fix it.
Consumer complaint received 2021-08-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (NC)

I am writing in regards to my XXXX  XXXX XXXX. My payment due date is scheduled for the XXXX of every month. On Friday, XX/XX/XXXX, I made the payment via the mobile app. After making said payment, I noticed that the post date had been scheduled for the following day, XX/XX/XXXX. I updated my payment to post on XX/XX/XXXX. This was done at approximately XXXX XXXX. As of today, Monday, XX/XX/XXXX, Lexus XXXX  still has not taken the money from my account and I see no record of my payment online. Additionally, the website shows my account as Past Due. This is not only false information, but alarming to say the least, considering I have stellar credit and a perfect payment history. Representative said she had no record I changed my payment post date and said the account shows as past due because it is now the XXXX, and it does not matter that my payment had been scheduled for before the due date. Why does Lexus XXXX consider a payment made before the due date, or even on the due date, as past due?
Consumer complaint received 2021-08-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Assistance Inc (TX)

I noticed a collection account on my credit report from the collection company Financial Assistance which looked a bit odd to me because the balance is still being reported by the original creditor, XXXX XXXX XXXX and the reported dates weren't right. After disputing the collection account with the credit bureaus and they did not resolve my dispute, I wrote a letter to Financial assistance to the address listed on my credit report and asked them to validate the debt that they are reporting and they did not respond to my request for validation. After checking my credit report I noticed they are still reporting this account even though they did not validate it. I sent them a follow up letter requesting they delete the account because they failed to validate it and they did not respond nor have they deleted the reporting. I researched this issue on your website and the FTC website and I found quite a bit of information regarding violations of the FCRA and the FDCPA and this company has committed multiple violations. They are listed below : 1. Failure to respond to debt validation 2. Still reporting to the bureaus within 30 days without validating I feel like I have done all I can do on my own and I really need your help. Maybe they will respond to you guys. Thanks.
Consumer complaint received 2021-08-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (SC)

Wakefield & Associates at XXXX XXXX XXXX XXXX, TN XXXX. Has put a collections account on my consumer that I know nothing about for the amount of {$760.00}. The collection has been reported as a pasted due balance. I do not know any about this company. This company does not have a contract with my signature.
Consumer complaint received 2021-08-30
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bonneville Billing and Collections (PA)

I was notified by your company on XX/XX/2021 regarding an alleged debt. I have reason to believe I do not owe this debt because the alleged debt is not accurate, my insurance company has settled on XX/XX/XXXX, XX/XX/2021 as EOB recorded I request all of the following information be provided to me by mail : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you has verified that I am responsible for this debt, or a copy of any judgment ; 4. Documentation showing you is licensed to collect debts in [ Pennsylvania State ]. 
Because I am writing you within 30 days of being notified by your company about this debt, you must cease attempting to collect this alleged debt until after you have provided the requested information.
Consumer complaint received 2019-01-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: TOYOTA MOTOR CREDIT CORPORATION (MT)

I have purchased tens of new cars in my life. In XX/XX/XXXX I purchased two new cars from Toyota. One with 0.0 percent interest, another with 1.9 percent interest. I paid both cars off. In XX/XX/XXXX I purchased traded those two cars in on two more, both with 1.9 percent interest. In XX/XX/XXXX, I wanted to trade in one of the XX/XX/XXXXcars on a XXXX XXXX. 

Prior to going to the dealership, I applied for a vehicle loan on Toyota Financial Services web site. I was approved in about 30 seconds but the approval ( # XXXX ) did not disclose the terms to me. 

When I went to the dealership and presented the certificate, the dealership made me a deal on the truck. I kept asking for the interest rate and it was never provided to me. No representative has ever called me back to this date. From my calculations given the payment and numbers provided me, the loan presented was about 15 % interest. 

For this reason, I did not complete the sale. However, I have tried and tried to obtain the interest rate that I was approved by Toyota Financial Services. The dealership has not provided it to me, despite my request, and TFS refuses to provide me any information about the terms of my approval. My approval is still good but I have yet to be disclosed the terms of the approval and can not gauge my financial decisions otherwise. 

TFS continues to maintain that they only handle post-sale financial accounts. This is incorrect. TFS, not the dealer, performed the inquiry into my credit and also approved the credit. 

Please assist me.