davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-17
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: Maximus Federal Services, Inc. (AZ)

In accordance with the fair credit Reporting act XXXX Account Reporting act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2023-07-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Forster & Garbus LLP (NY)

Forster and Garbus, is pursuing a debt that is past the statue of limitations in New York State, where I live ( 3 years ) They now have a judgement against me, and have the XXXX county sheriffs office threatening to garnish my wages.Forster and Garbus also known as XXXX XXXX claims the default date XX/XX/2019 in which is past statue of limitations here in NY state.I have contacted the XXXX county sheriffs office and they have already said they will have to take action to garnish my wages. This is a debt that is past the statue of limitations. Thank you for your time and appreciate your help,
Consumer complaint received 2023-01-26
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

About XXXX  years ago I received a letter from a law firm that I didnt own by house. Someone else was trying to take my house. I had to ask a attorney to look over the papers and he said I had a problem. I had to hire an attorney. I had XXXX children in XXXX  at the time. I wasnt able to make payments so I completed a loan modification. I believe they didnt give me all the information I needed to complete the modification correctly. 
The attorney and title company represented me and my house belonged to me. 
I believe Wells Fargo overcharged me for the modification. My mortgage went up {$300.00} plus more.
Consumer complaint received 2022-08-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NJ)

We are experiencing major problems with our lender, PHH Mortgage. Our original loan was sold to them and since then everything is off-kelter. For instance, we previously negotiated a payment date at the start of the month with our original lender, however, PHH refuses to honor this agreement and insists that we pay in the middle of the month. Such being the case, they constantly insist that we are behind on our payments and absolutely refuse to adjust the payment date as we request. Secondly, they refuse to adjust the amount we need to pay in town taxes. We reached out and they absolutely refuse to either let us pay separately, or pay correctly. Lastly, and most importantly to date, they failed to pay our insurance company! We recently received word from XXXX that XXXX did not receive payment and we are uninsured as of XX/XX/XXXX, when PHH should have paid them on XX/XX/22. Our insurance and taxes are rolled into our monthly payments, so it is appalling that they wouldn't take this seriously. 

I am now trying to negotiate with XXXX, but request that you please assist with the matter because seeing the carelessness of this company I simply don't know how they're going to XXXX up next. 

Thank you for your support.
Consumer complaint received 2020-08-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TCF NATIONAL BANK (MN)

For the third and now fourth times, TCF has charged overdraft fees to an account with a positive balance. In total this round I was charged {$250.00} in overdraft fees, all while my account was a positive balance.
Consumer complaint received 2018-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

ON XX/XX/2018 RECEIVED AN ALERT THAT A CHANGE TO MY CREDIT REPORT HAD TAKEN PLACE! ... .INVALID INQUIRY ( LISTED ON CREDIT REPORT ) FROM APPARENT UNKNOWN RESOURCE!! I HAVE NO DEALINGS WITH COMPANY IN QUESTION. NO APPLICATION FOR EMPLOYMENT, CREDIT, ETC. EXIST!! 

INQUIRY LISTED AS : XXXX XXXX UTILITIES AND FUEL XXXX XXXX XXXX  XXXX XXXX, TX XXXX ACCORDING TO XXXX XXXX, THERE IS NO RECORD OF SUCH ENTITY!!
Consumer complaint received 2023-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello, On XX/XX/23 I called the mortgage department at Bank of America to make a payment on behalf of my mother and was assisted by Bank of America representative, XXXX. I had been calling in since XXXX making mortgage payments on behalf of my mother who was on hospice and never had issues until speaking with XXXX. She asked if I was authorized to make these payments for my mother and I explained yes. She had been on XXXX  and recently passed, but I am on the XXXX  Deed of the property, but we have not received death certificates yet ; therefore, I'm just trying to keep her accounts up to date to ensure all bills stay current. XXXX said she would note the account and gave me the fax numbers to send the XXXX Deed to as well as the death certificate once it was received. What XXXX failed to tell me is that once she noted the account although, no solid documentation ( death certificate ) had been provided to Bank of America regarding my mother 's death, that her notation would cause all of my mother 's accounts to be frozen. Mind you, XXXX works in mortgage not personal checking or savings. With her failure to notify me of what a simple notation to an account would do, I went to pay my mother 's other bills only to be told the accounts had been closed/frozen. My life line to keep my mother 's accounts like gas, electricity, property taxes that are due right now, etc. has been shut off. Again, no documentation has been given to Bank of America confirming my mother 's death. They just took my word over the phone. 
Immediately called Bank of America on XX/XX/23 once payments were not processing and was trasferred to the XXXX department and spoke with XXXX who was incredibly unfriendly and not helpful. She told me all accounts will remain frozen until I supplied a death certificate, sent the trust showing me as the co-trustee and some other documents. Again, if I haven't supplied you with a death certificate yet, why would you freeze accounts? They just took my word. XXXX proceeded to tell me that once I submitted the documentation, it would need to be reviewed ( she was unsure how long that would take ) and then they would disburse my mother 's money to me. When I asked about payments that are set-up on auto-pay not being able to now go through, she explained that any Bank of America charges like late fees, returned checks fees, etc. would be credited once my documentation had been reviewed. I said, " what about the other fees I might incur from other institutions now that you've frozen these account? '' We don't reimburse those. The time I now have to spend re-doing all of my mother 's auto-pay accounts is going to take me hours because some knuckle head notated an account without proper documentation.
Consumer complaint received 2023-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

In XXXX XXXX XXXX  I opened a credit card with XXXX XXXX that was their XXXX XXXX XXXX  We did this as part of a balance transfer offer and made all on time payments through XX/XX/XXXX. On XXXX XXXX XXXX with no notice the XXXXXXXX XXXX XXXX portfolio was sold to Capital One. We had no knowledge of this, nor did we ever receive a card in the mail. Because of this we never activated the card nor did we ever agree to the Capital One card member agreement. At no time post XX/XX/XXXX did Capital One call to confirm the receipt of a new card or to notify me of missing payments on an account. In fact their credit wise monitoring system showed 100 % on time payments for all accounts I owned. We were notified last month that a collection was opened against me as Capital One sold the portfolio. Capital Ones practices were deceptive in nature and they at no time made any effort to confirm my knowledge of their acquisition or receipt of the new card.
Consumer complaint received 2022-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (TX)

With all the hard times going on I filed my taxes and they offered me a loan but on the XXXX XXXX card only. Of course needing money for bills that were due right away I accepted. I received debit card that was sent and activated, setup pin code, and used the card. I was told to upload documents which I informed them several times via email that my ID is expired but I do have it as well as origin SS card and birth certificate. Now I'm being told that I can't use my debit card because my phone number changed and it's in my spouse name now and not mines so I couldn't verify via app the passcode sent to me because due to not working my phone is disconnected and my car was repo'ed. All I'm trying to do is pay my rent up so me and my family can stay in our home. I've been waiting on this since XXXX and I think that it's so unfair to have to beg for access to funds that I have a card for and have used on several occasions. Please help me. Because my bank that I get my work pay direct deposited take my documents and understand that my ID is expired and my access to my debit cards have never been blocked because of something of this nature. All of this because my previous number is disconnected and I can't receive an in app code.
Consumer complaint received 2022-08-18
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. (TX)

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX You are required to do what I am requesting and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 

Thank you.
Consumer complaint received 2021-11-30
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: HYUNDAI CAPITAL AMERICA (PA)

I purchased a new XXXX XXXX XXXX vehicle out of state ( Ohio ) and financed the purchase thru Hyundai Motor Finance. I live in XXXX, and the lien holder ( Hyundai Motor Finance ) is required to send the original title issued by the XXXX XXXX Ohio XXXX to XXXX XXXX so the vehicle can be registered and insured. I bought the vehicle on XX/XX/XXXX. I have contacted Hyundai Motor Finance, every week, since XX/XX/XXXX requesting the status of the title transfer. I have had numerous case # 's issued, the last was on XX/XX/XXXX # XXXX requesting the search for the title. On XX/XX/XXXX, XXXX XXXX in XXXX, Ohio mailed the title issued by the XXXX XXXX XXXX XXXX XXXX ( XXXX ) to the XXXX XXXX XXXX, XXXX Tx XXXX location. XXXX  XXXX tracking number # XXXX shows the title was signed for and received. At this point in time Hyundai Motor Finance tells me that they can't find the title. I can not drive the vehicle legally in XXXX without the vehicle registered. Hyundai Motor Finance could easily remedy the situation by requesting a duplicate title from the XXXX XXXX XXXX XXXX ( XXXX ) and then send the title to the requested site I have provided in XXXX  to process the XXXX XXXX registration. We are over XXXX days and this is the worse company to try to address legal issues with.
Consumer complaint received 2023-05-29
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX, Tx XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act XXXX XXXX XXXX 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, has violated several of my rights 15 U.S.C 1681 section 602 A. Clearly statos that I have the right to privacy. U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. U.S.C 1666B : A creditor may not treat a payment on a credit card account under ar open-end consumer credit plan as late for any purpose. Remove these late payment and update this account immadiately as you are in direct violation of several laws under The Fair Credit Reporting Act
Consumer complaint received 2020-08-03
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. (CA)

I have sent full documentation to every credit buearu in regards to incorrect collection incorrect credit card balances an paid collections that were to be removed per agreement on XX/XX/XXXX. The disputes were started an i was found to be correct yet NONE of the changes have been made or updated holding my credit score down so low I cant get approved for a home morgage even though i have a 3.5 % down payment. I am beyond angry I have called everyone an i am fed up with this wrong an illegal acts i want my report corrected now!
Consumer complaint received 2021-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Starting From XX/XX/2021 an unknown person has been siphoning money out of my bank account totaling the amount of {$21000.00}. I finally noticed my online banking had to be compromised XX/XX/2021 after spending a weekend in XXXX XXXX and noticing egregious charges from foreign vendors in countries Ive never even traveled. I then called my bank which is Bank of America and started a claim and closed my card on XX/XX/2021. I was told I would receive a new card and within XXXX business days receive my provisional credit.Instead what happened is no one from the bank followed up with me and on the XXXX business day XX/XX/XXXX they closed the claim to avoid giving me the provisional credit as promised. I thought they would be of assistance but they havent helped in the least.
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

in accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX  Account # 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 XXXX : it also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-08-18
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. (GA)

in accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Mortgage Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXXg Account # 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 XXXX : it also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-07-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Consumer Portfolio Services, Inc. (GA)

I opened an auto loan with this company in XXXX of XXXX. In XXXX, I filed for bankruptcy and they had my car repossessed anyway. They did it again in XX/XX/XXXX after I filed. In XX/XX/XXXX, I was in a car accident. I was still under bankruptcy. My car was gone after two weeks. I received no notice from the finance company. When I checked my credit report, they closed my account with a balance of XXXX. No notice. I checked again after a couple of days and it stated it was sold to XXXX XXXX. I had no knowledge of the debt being sold. No one gave me a notice, email, letter, text, or call. Now its showing as a collections account. I called the finance company and no one could tell me anything. This is not right.
Consumer complaint received 2023-01-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (GA)

LVNV FUNDING LLC {$920.00} and {$710.00} have been a negative collection on my credit report for quite some time. I had gone through some devastating hardships including identity theft about the time these accounts appeared on my credit report I do not recall any notifications other than collections from several agency 's. I have diligently worked to clear the negative and recover my good credit. I do not know if LVNV still has these accounts, I believe they may have been sold. I am assuming these may be credit card interest due to the amounts appear to be more than any card limits I have had. I don't feel I have enough information to know if these charges are valid.
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXXdays. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX - XXXX
Consumer complaint received 2022-08-18
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. (CO)

I submitted 2 CFPB reports against Equifax Credit bureau and they responded and closed 1. Part of their response is as follows " XXXX : XXXX. XXXX XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU ''. The problem with is this was done through identity theft. 15 USC 1681 B states these agencies can only report " In accordance with the written instructions of the consumer to whom it relates '' I GAVE NO SUCH INSTRUCTION. I DID NOT SHARE MY INFORMATION WITH XXXX XXXX XXXX. THEY OBTAINED THIS INFORMATION THROUGH IDENTITY THEFT. ANY COMPANIES VIOLATED THE PRIVACY ACT OF 1974 BY SHARING MY INFORMATION INCLUDING MY SOCIAL SECURITY NUMBER WITH SAID COMPANIES. 15 USC 1681c2 - Block of information resulting from identity theft states they must remove it in 4 days. PLEASE MAKE SURE TO REVIEW ALL LAWS. THE NEXT ACTION WILL BE IN THE COURT ROOM.
Consumer complaint received 2023-01-26
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)

Im a victim of identity theft my information was leaked on the dark web by XXXX Im in the process of going through arbitration, my information has been compromised and used to establish fraudulent accounts in my name, I want this account with XXXX XXXX removed from my credit report, or I will seek arbitration to recover damages from this account being open, all my identifying information has been leaked I can provide evidence of that data breach and my information being compromised, example the IRS now considers me a victim of identity theft because someone tried to file a fraudulent tax return in my name try to defraud the government out of thousands of dollars to also show you i filed a police report against XXXX XXXX also because Im identifying information was used to open accounts in my name and a detective guy said numerous accounts were open im just showing you that I am in fact a victim of identity theft .experian please remove these accounts, i have sent a police report showing I am a victim of identity theft, i have now started arbitration against XXXX XXXX and XXXX for compromising my information im sending attachments so you can see I have did my diligence with this situation im also up loading a letter from thf IRS letting me know that I am a victim of identity theft someone tried in XXXX of 2022 to file a fraudulent tax return and tried to defraud the government out of thousands of dollars now I have to use identity theft pin so when I file taxes I have to use that pin so I can identify myself, please remove these accounts XXXX XXXX from my file , Im also showing I have demand for arbitration against XXXX for compromising my information and leaking it on the dark web .my information is on the dark web I can not get that information back and now Im suing XXXX  because my information has been used to open and establish fraudulent accounts in my name .please remove XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXX XXXX is furnishing inaccurate and incorrect information to the Consumer Reporting Agencies.

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household uses.

The consumer is to receive a form 1099-c from the creditor to report as canceled debt on the consumers tax return. The IRS clearly defines a charge off as Gross or Ordinary income, furthermore, INCOME DOES NOT GET REPORTED ON A CONSUMER REPORT thus deeming the reporting of such status and this account as a DEBT is INACCURATE. Any INACCURACIES must be OMITTED from a Consumer Report.