davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-10
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BMO Bank, N.A. (KS)

XXXX XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX took the late XXXX XXXX XXXX XXXX home which I resided in with her for over 5 years at least everything I was making mortgage payments. They were supposed to post a thing in the paper anybody that had any interest in property after her passing should attend City meeting. It was never ran in any paper. I looked. I was power of attorney/durable power of attorney. And making mortgage payments out of my own pocket. I also had a lease agreement with XXXX XXXX XXXX. The bank knew this. XXXX XXXX contacted me on XXXX and then ask me a lot of questions. About XXXX and if there were any executors. XXXX XXXX and XXXX XXXX XXXX owner went in and took over as far as representative and over seeing of estate. Keep in mind Court proceedings that I went to court for. Were a bill that I owed XXXX XXXX XXXX for XXXX XXXX funeral. I wasn't actually there for an eviction. Just to be removed from the premises. And hadme evicted from my own home. Where I was not squatting I had Utilities in my name. And somehow she got Bank information that was not privileged to her. Which I was behind on two payments. I was evicted from my house even though that's not what I was in court for. I was there to vacate premises for being a squatter. She didn't have to follow the guidelines of the law. And the judge overseeing the case just looked past it. Didn't make her file in the proper way in order to do what XXXX XXXX the attorney was trying to do. She is also done this to several other people and taking their homes. At least four that I know of. I don't know how this is legal. And XXXX XXXX also has a real estate company address to her law office on XXXX XXXX in XXXX Kansas but it's not stated anywhere there's no sign saying that that's what's there. But when you call mapping it gives her company plus her address which actually belongs to her law firm. It's some sick way for them to gain Realty for money cuz. If I was a squatter and I had paid utilities within this if they sold the house they'd have to give me the difference after the funeral expenses and any foreclosed type stuff such as final payment on the house through the bank was done I would get the difference according to the law here. At least that's what I've been told. But they're not selling the houses returning them into rentals. Therefore never owing anybody any money. And they let them sit for long periods of time. But reason for evicting and such a timely fashion was because they needed to get in there and wrap the plumbing before it got cold. Which it already been done because they destroyed most of the house and everything in there gutted everything. So that was never even really a liable reason to have somebody evicted And Timely fashion. It's all very confusing. And I was definitely railroaded court. I don't know how many different people have told me that that was against the wall. But I'd like to know for sure. And hope that it doesn't happen to anybody else.
Consumer complaint received 2023-08-09
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY (NY)

Hello, This past XXXX I made a purchase at XXXX XXXX and used their in-house financier - TD Bank to fund the purchase. XXXX let me know I wouldn't have to pay the fee until the items arrived which was some time in XXXX. They also let me know TD would be sending me a welcome packet with account information so I could setup bill pay. It wasn't until XX/XX/17 that I finally heard from TD Bank in the form of a collections note. I immediately paid the bill over the phone and asked for all my bills to be sent to me moving forward so I could access my account number. During the rest of XXXX and the month of XXXX I made XXXX more phone calls to TD Bank and spent at least XXXX hours on the phone trying to get my account number. My first bill didn't arrive until late XXXX so I missed another payment for an account I couldn't access nor did I have any knowledge of the amount due. During this time my credit score dropped from XXXX to XXXX all because TD Bank failed to send me any account information or a bill for XXXX  months. And they've had the audacity to add late fees to my account. They were also supposed to send me a credit card however it still hasn't arrived. 

As I understand it you will be sending the complaint directly to the company but if I've already complained to them several times asking for a simple bill that took them months to deliver how will this help me? 

Thank you for your help. 
XXXX
Consumer complaint received 2023-02-11
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # ending XXXX, has violated my rights. 

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
Consumer complaint received 2016-12-13
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: EQUIFAX, INC. (WA)

My wife and I were shopping for cars. At each dealer they ran a credit report before we could consider an offer. Now XXXX of my credit inquaries are from dealer car shopping. I was told My credit is down graded because of all these inquaries. It is my understanding that all of these inquires should be counted as XXXX.
Consumer complaint received 2023-03-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I went today to this place next my home for car inspection. They used cash only and asjed me to change the wioets so I saud if you accept credit card, replied cash only but we have an ATM machine in the shop. I never use my debit card outside bank of America. I used today at XXXX $ XXXX charging me {$3.00}. At XXXX, I check another transactions and payments and I found {$0.00} withdrawal to XXXX shop in XXXX. I spoke with my bank and he confirmed this us fraud happened on my debit card not on my bank account. 
Place name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX XXXX XXXX
Consumer complaint received 2023-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY (NJ)

MY NAME IS XXXX XXXX MY WIFE XXXX XXXX IS A TARGET CREDIT CARD HOLDER WHEN MY WIFE OPENED THIS ACCOUNT IN 2001 SHE PUT ME DOWN AS A REFERENCE AND TARGET PUT ME DOWN AS A CARD HOLDER WHICH IS PUTTING AN IMPACT ON MY CREDIT REPORT. I ASKED MY WIFE TO REMOVE ME FROM THE ACCOUNT AND SHE WAS TOLD THAT IF SHE REMOVED ME THEY WOULD HAVE TO CLOSE THE ACCOUNT WHICH WILL HAVE A NEGATIVE IMPACT ON HER CREDIT. I WAS CURIOUS AND CALLED THEM. I TOLD THEM COULD MY WIFE ADD ADDITIONAL CARD HOLDERS THEY SAID CERTAINLY!! WITHOUT CLOSING ACCT? THEY SAID YES SO I ASKED THEM. LET ME GET THIS RIGHT SO ITS OKAY TO ADD BUT NOT DELETE CARDHOLDERS!! THAT A CONFLICT OF INTEREST. THEY LOVE YOU WHEN YOU HAVE PLENTY OF CARDHOLDERS BUT WHEN TAKE THEM OFF THEY PUNISH YOU BY FORCING YOU TO CLOSE YOUR ACCT AND PUT A NEGATIVE IMPACT ON CREDIT SCORE. I CALL XXXX XXXX, XXXX, XXXX XXXX, XXXX. ETC, NO PROBLEM DELETING CARD HOLDERS AND LEAVING ACCT ACTIVE. I ASKED TARGET IF THIS RULE WAS IN THEIR TERMS AND CONDITIONS AND SUPERVISOR WAS UNABLE TO FIND IT. TARGET NEEDS TO BE INVESTIGATED FOR THEIR CONFLICT OF INTEREST AND UNFAIR PRACTICES
Consumer complaint received 2023-08-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION (NJ)

Truist bank has falsely advertised a checking promotional offer that states consumers get {$400.00} when you open a Truist Bright, Truist Fundamental or Truist Dimension checking account and receive two qualifying direct deposits totalling {$1000.00} or more within 90 days of account opening. Checking bonus code is XXXX I opened an account in XX/XX/2023 and in less than 90 days I met all the requirements. Ive called my branch where my account originated and the promotional department in Truist. I spoke with several representatives and supervisors in XXXX, XXXX, XXXX, XXXX and XXXX of 2023. All of which stated that I met the requirements and should receive the {$400.00} bonus. First it was stated that I should receive it in 7-10 business days then the last supervisor I spoke to said my complaint would be reviewed and credit can take up to 29 business days. Since my initial complaint, it has exceeded 29 business days. It has been more like months. The disclosures, account opening documents and information has not honored and there has been a complete lack of transparency and truth regarding the checking promotion and the terms and conditions. The last supervisor I spoke to said that she would forward a complaint and that someone should contact me from the bank. No one as of this date has contacted me, which is terrible customer service and very misleading.
Consumer complaint received 2023-08-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: TD BANK US HOLDING COMPANY (OH)

On or about XX/XX/2023, I requested, via email, that TD Auto Finance reduce my interest rate on my auto loan under the Ohio SCRA which differs from Federal SCRA and apply interest rate credits accordingly. I attached my Ohio Active Orders to my email. 
Ohio SCRA Section 7.1. specifically states : To help ease financial burdens created by active military service, Section 527 of the SCRA provides servicemembers with a 6 % interest cap on all debts incurred prior to XXXX XXXX, interest cap on all debts, not just those incurred prior to XXXX XXXX [ emphasis added ] On or about XX/XX/2023 I obtained a letter via USPS requesting a copy of my Ohio Orders which I provided my Orders again and returned on or about XX/XX/2023 via USPS tracking and TD Auto Finance received XX/XX/2023. 

On XX/XX/2023, I contacted TD Auto Finance for a status and was told to contact a representative and was provided a telephone number to call. When I called the message stated that all representatives were busy and I could not leave a message after holding on for several minutes. I have not received a response from TD Auto Finance regarding the SCRA for current/ future payments and credits. 

I am requesting a status of the interest rate reduction and credits.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX XXXX, this statement is being generated on my own behalf. Per the FCRA, these accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681 Section 602, Section 1681cXXXX, and XXXX B. These companies are in violation of these laws. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, I am also a victim of identify theft. Per 15 U.S. code Section1681cXXXX a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identify theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-16
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAINE & WEINER COMPANY, INC. (CT)

Caine & weiner fails to honor my rights as the natural person, Consumer, and Original Creditor. 
I demanded a cease and desist. Also I demand all 3rd party agencies refrain from sharing my personal consumer information. Caine & Weiner is in violation of chapter 41 Title 15 of the United States Code, The FDCPA, and XXXX. Their bad faith efforts in reporting an alleged debt owed by me is causing damage to my persons and hindering my pursuit happiness.
Consumer complaint received 2024-04-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSWORLD SYSTEMS INC (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XX/XX/year> Transworld Systems Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to dispute the alleged debt in the amount of {$1700.00} which your agency, Transworld Systems Inc. , claims I owe to XXXX. Upon receipt of your collection notice dated [ received XX/XX/XXXX but dated XXXX XXXX ], I immediately began investigating the matter and have found discrepancies that need urgent resolution. 

I request that you provide me with all pertinent documentation and evidence that substantiates the validity of this debt, including but not limited to : XXXX. Copies of the original contract or agreement signed by me, establishing the purported debt with XXXX 
XXXX. Itemized statements detailing the charges allegedly incurred. 
XXXX. Proof of ownership or assignment of the debt to Transworld Systems Inc. 
XXXX. Verification of the statute of limitations for collecting this debt in my state.

5. Any communication records or logs related to this debt, including calls made, letters sent, or emails exchanged. 

In addition, I require validation of the violation codes associated with this alleged debt, as per the Fair Debt Collection Practices Act ( FDCPA ), to ensure compliance with legal requirements. 

If you are unable to provide the requested documentation within XXXX from the date of this letter, I demand that you cease all collection efforts and remove any negative reporting from my credit file. Failure to comply with this request will result in further action, including but not limited to filing complaints with the Consumer Financial Protection Bureau and seeking legal counsel. 

Furthermore, in accordance with the FDCPA, I am formally requesting that all communication from Transworld Systems IncXXXX regarding this debt cease immediately. Please consider this letter as a formal request for a cease and desist on all collection activities until such time as the requested documentation is provided and validated. 

Please be advised that all future correspondence regarding this matter should be in writing and sent to the address listed above. Any attempts to contact me by phone or other means will be considered a violation of my rights under the FDCPA. 

Thank you for your prompt attention to this matter. I expect a timely response and resolution. 

Sincerely, XXXX
Consumer complaint received 2023-03-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Sulphur Bank Rancheria Enterprises (CO)

This payday lender accepted a fraudulent application online. The scammer used my personal information to apply. I received an email to continue or finalize an application I didn't apply for. They are not verifying identities of applicants. 

Being that I am a victim of identity theft, I created a system to give creditors pause before accepting any application not verified by proper identification.
Consumer complaint received 2023-08-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY (NY)

To Whom It May Concern, I am writing to file a formal complaint regarding a recent issue I experienced with TD Auto Finance in relation to an auto loan extension. I believe that the company 's actions have caused undue stress and financial inconvenience, and I request your assistance in resolving this matter promptly. 

On XX/XX/2023, I utilized the TD Auto Finance website to request an extension payment for my auto loan. The website allowed me to process a {$50.00} payment and even calculated additional interest on my loan balance. I assumed that my request for an extension had been approved and processed accordingly. However, to my surprise, approximately two weeks later, I received a notification stating that I had a missing payment on my auto loan. 

Immediately upon receiving the notification, I contacted TD Auto Finance 's customer service to inquire about the discrepancy. To my astonishment, the representative informed me that despite the website granting me an extension and processing the payment, I did not actually qualify for the extension. I was further told that the website should not have allowed me to request an extension in the first place due to my ineligibility. 

This situation has left me in a state of confusion and financial distress. I acted in good faith by using the TD Auto Finance website to request an extension, and I assumed that my request had been approved based on the payment processing and the additional interest charges. However, it appears that the website 's functionality and the information provided were misleading, leading me to believe that I had met the necessary criteria for an extension. 

I am writing to you today to seek your assistance in resolving this matter. I firmly believe that TD Auto Finance should honor its original commitment, regardless of any errors on its part. The company 's failure to properly communicate its eligibility requirements and the subsequent contradictory actions on the website have caused me significant inconvenience and financial strain. 

I kindly request that the Consumer Financial Protection Bureau intervene in this matter and work with TD Auto Finance to rectify the situation. Specifically, I ask that TD Auto Finance be required to honor the extension that was erroneously granted to me through their website. This would provide a fair and equitable resolution to the matter, alleviating the undue financial burden that their actions have caused. 

Thank you for your attention to this matter. I appreciate your dedication to protecting consumer rights and ensuring fair practices in the financial industry. I look forward to your prompt response and a positive resolution to this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (GA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a XXXX party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-02-10
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. (IL)

I was received an emailed about my information being in the XXXX data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX - XXXX... 
XXXX XXXX XXXX - XXXX... 

I have attached a copy of my ID for identity verification and a bill for address verification.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

To whole it XXXX concern In accordance with the ( FCRA ) Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality again under XXXX XXXX XXXX. 

[ XXXX XXXX XXXX ] [ XXXX ] & [ {$7800.00} ] According to the FCRA the following rights have been violated. 

15 U.S. Code 1681b - Permissible purposes of consumer reports a ) In generalSubject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S.C. 1681s-2 ] Reporting information with actual knowledge of errors. A person shall not furnish any information relating to consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.

15 U.S.C. 1681 Section 602 ( 4 ) There is a need to ensure that consumer reporting agencies exercise their responsibilities with fairness, impartiality and respect for the consumer 's right to privacy.

All items need to be permanently blocked & removed from my consumer report