davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-16
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RESIDENTIAL HOME FUNDING CORP. (NY)

XXXX XXXX XXXX XXXX  assumed a debt over a defaulted mortgage and wants to settle on foreclosing the property. The defaulted mortgage was signed by a woman ( XXXX ), and was co signed by a man ( XXXX. ). XXXX XXXX XXXX XXXX  did a wide sweeping title search and created a Foreclosure Transaction Consumer Credit Transaction Summons and named many possible subordinate lienors. 
In their sweep, they included my ex husband ( XXXX ), who has the same name as the second signer, the man who defaulted on the property loan. They then named me, by capacity of my having a money judgement against my ex-husband, for unpaid equitable distribution. They name The IRS as a defendant as well, in the capacity that at least three other men who all share the same name, and have tax liens against them. XXXX XXXX XXXX XXXX is trying to subordinate my money judgement to theirs. Further, my ex husband is not the person who signed on that property loan to begin with. The signature on the lease is not his signature, he was married at the time and not living with the woman cosigner on the loan, or in the property in question. 
I have been told that I need to take counsel to protect my interests, but I can not afford to do so. If I need to take an attorney for this, I would have to seek sanctions. This is shoddy legal research at best, or a nefarious legal tactic, to use a title search to find persons with convenient names, who have liens which can be easily usurped.
Consumer complaint received 2019-04-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: SYNCHRONY FINANCIAL (CA)

A paypal credit account was opened on my account on accident. I don't recall opening it or consenting to a credit account. I only discovered the account when I got a delinquent payment email. I paid the balance and promptly called Paypal to close the account. I believe the account was closed. 

I'm making this complaint because I believe its completely inappropriate ( and possibly illegal ) that an account was opened without my explicit consent.
Consumer complaint received 2019-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (CA)

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, and XXXX XXXX XXXX  with no successful resolution. XXXX only reporting me 30 days late. There was an error on their part. I was never 30 days late.
Consumer complaint received 2019-04-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PHH Mortgage Services Corporation (NY)

My loan was sold to PHH mortgage fro. XXXX and subsequently the new company changed my name from XXXX XXXX to XXXX XXXX. Every time I call of course its a problem since its two different names. I have no identification with the name XXXX.
Consumer complaint received 2019-04-16
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (CA)

There are two issues, 1 ) GM Financial migrated their payment system to a new platform. There were significant challenges and it was confusing and this created issues with accessing the site and making payments. The CEO indicated they would not report late payments, but they did. I have a 30-day late on my credit report and GM Financial has refused to update my credit report. 

2 ) I decided to pay my lease off in XXXX ; I have no desire to ever do business with them - I simply wanted them out of my life. I made a payment over the amount due. I verified on my next statement, XXXX and confirmed, there were " zero remaining payments '' on my lease and XXXX amount was due.I decided to check XXXX, because I've been bamboozled by them in the past. The landing page showed two different amounts due and the statement showed I had another payment. I contacted GM Financial via chat. The rep refused to explain why my statement in XXXX said I had XXXX remaining and had no explanation for the other two amounts. She insisted I just pay the {$390.00}.
Consumer complaint received 2019-04-16
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. (CA)

Equifax sent me a credit file on the XX/XX/2019, I submitted on the next day Disputes and then Resubmitted again when I was not notified of the original disputes results. I filled with FTC and my local authorities and the creditors and credit companies XXXX, Equifax, XXXX, and XXXX. XXXX has already finished up all the disputes and items were removed from my report. I have and will up load them with this complaint the confirmation fax and certified mail confirmation of received mail from XXXX office where i faxed from and the US post office where I sent the certified letter from. I have called numerous times with disbelief about the whereabouts of my personal documents. I a Identity theft victim already and it seems like its happening once again. The thirty days the said before it up today for the re-disputed items and they have said repeatedly that all they have is incomplete information sent XX/XX/2019 via fax. They are still furnishing information that is incorrect and the results of identity theft. I have been turned down for Jobs I've waited to interview for six months previously and lost out due to not being notified of results that i could have informed my future employer and would have been permitted to have a interview at a later date. I lost my Job due to this as well and i am not able to receive state assistance due to this. I can not apply for credit or services or goods as well. My basic living situation is in turmoil due to the results of identity theft and it's worse when you do everything to fix the effects of identity theft and run into an unfair situation with a Credit Reporting Co. and your the Rights you think you have isn't so true. As i read the FCRA and notice to Furnishers of information ; Obligations of Furnishers under the FRCA. The 611, 609 ( e ) and I really feel as if them Rights have been violated by Equifax although I am not for sure I knew the right thing to do is contact the CFPD and file another complaint. The complaint on file now for Equifax has yet to be replied to from CFPD to Equifax. So I can only hope that they take this complaint seriously and reply to the complaint or notify me that my Documents have been received and that they will do what they were sent for with my documents and protect and secure my personal information that I paid to send. This matter is very serious as it involves Identity Theft. I am afraid at this very moment for my personal information is in the wrong hands due to Equifax and past events within there company. Respectfully, I'm afraid I need help please help me CFPD!!!!
Consumer complaint received 2022-10-26
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. (MI)

THE COMPANY BELOW HAS VIOLATED MY RIGHTS 15USC 1681s, 15USC 1681a and 12cfr 1006.34 XXXX  XXXX # XXXX XXXX  XXXX # XXXX XXXX  XXXX # XXXX I ALSO HAVE SEVERAL INQUIRES BELOW THAT ARE IN VIOLATIONS AS WELL AND SOME ARE UNAUTHORIZE XXXX  XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX
Consumer complaint received 2023-08-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: INTERFIRST MORTGAGE COMPANY (FL)

We refinanced our primary home mortgage on XXXX, XXXX XXXX. While researching mortgage companies, I specifically asked mortgage provider if a separate " wind/hurricane '' insurance policy would be required, in addition to the standard property insurance requirements, and was told verbally, " no ''. I reviewed the insurance requirement document at closing, and language in mortgage contract ( as recorded and executed ) and no requirement for wind/hurricane insurance policy is included or agreed to. I retain those documents. 
On XX/XX/XXXX, the mortgage servicer notified me that a wind insurance policy was now required for our mortgage and a " forced placed '' policy was purchased and charged to me via escrow. We were provided notification on XX/XX/XXXX for policy dates of XXXX XX/XX/XXXX, at a cost of {$4000.00}. And escrow charge for same policy XXXX has been applied at {$6900.00}. 
I have made several attempts to rectify this situation with mortgage company, and logged currently XXXX hours of time on telephone with the organization attempting to rectify. As of now, they can produce no documentation demonstrating a wind insurance policy is required and agreed to for our mortgage. I believe, therefore, it is not.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the XXXX  this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2019-04-16
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Schiller & Knapp, LLP (NY)

XXXX XXXX XXXX Bank assumed a debt over a defaulted mortgage and wants to settle on foreclosing the property. The defaulted mortgage was signed by a woman XXXX XXXX XXXX, and was co signed by a man ( XXXX. ). XXXX XXXX XXXX Bank did a wide sweeping title search and created a Foreclosure Transaction Consumer Credit Transaction Summons and named many possible subordinate lienors. 
In their sweep, they included my ex husband ( XXXX ), who has the same name as the second signer, the man who defaulted on the property loan. They then named me, by capacity of my having a money judgement against my ex-husband, for unpaid equitable distribution. They name The IRS as a defendant as well, in the capacity that at least three other men who all share the same name, and have tax liens against them. XXXX XXXX XXXX Bank is trying to subordinate my money judgement to theirs. Further, my ex husband is not the person who signed on that property loan to begin with. The signature on the lease is not his signature, he was married at the time and not living with the woman cosigner on the loan, or in the property in question. 
I have been told that I need to take counsel to protect my interests, but I can not afford to do so. If I need to take an attorney for this, I would have to seek sanctions. This is shoddy legal research at best, or a nefarious legal tactic, to use a title search to find persons with convenient names, who have liens which can be easily usurped.
Consumer complaint received 2019-04-16
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: EQUIFAX, INC. (TX)

On XX/XX/2019, I logged into my credit monitoring accounts to review my credit reports so I can apply for a loan in the near future. I noticed with Equifax there are several unauthorized Inquiries that I did not perform on my own credit. I upgraded my credit monitoring membership on XX/XX/19 and locked my credit reports with XXXX XXXX to block any further unauthorized activity. I wrote handwritten letters to each unauthorized credit inquiry and have not received any response from their agencies. OnXX/XX/2019, I wrote to Equifax advising of this issue with the creditors and have the tracking numbers for it to monitor. # XXXX-XXXX-XXXX-XXXX-XXXX, they received it on XX/XX/19 and per the Fair Credit Reporting Act, they have 30 days to investigate and/or block and delete the disputed inquiries. It is now XX/XX/19 and I paid {$29.00} to refresh my credit reports with my credit monitoring account and have had ZERO unauthorized inquiries removed. I am filing a complaint because I know my rights as a consumer and can not become a victim to the amount of time it takes to fix countless issues on my credit reports.
Consumer complaint received 2023-07-26
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. (LA)

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, the date last reported is not accurate, balance owed is inaccurate, term length is not accurate, closed date is inaccurate. This ground for removal they also violated my rights under 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 2020-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (NJ)

I launched my initial dispute with my Credit Card Company TD CARD SERVICES and VISA on XX/XX/XXXX for a transaction that executed on XX/XX/XXXX after fighting with the merchant for a number of months. I have since been in contact with my credit card dispute team on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX without resolution. I provided them via fax documentation, receipts and correspondence from the merchant agreeing that the charges should be refunded and resolved. My dispute was closed due to " time frames '' and lack of " record/documents '' that were requested to certify my claim. I have made well over 15+ attempts to work with my credit card company for assistance to resolve the issues with my merchant on my behalf and have received no resolution. I have spent as much time haggling with TD CARD SERVICES/VISA as I have with the merchant in question. This is unacceptable.
Consumer complaint received 2015-09-10
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: The CMI Group, Inc. (NY)

I work for a company that has a debt collector calling them. I answer the phone here and do not have anything to do with the companys debt. The debt is from 2013 and I was not with the company. They refuse to take my name off of the debt and threaten to take action on me and not the company because the company who gave them the debt to collect gave them my name. They have my name because I answer the phone. They call here everyday harassing me at work asking for me. the person who owns or sponsors the company is out on business and not available to contact them. Calls are continuous and are harassing.
Consumer complaint received 2019-04-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: LTD Financial Services, L.P. (NY)

XXXX XXXX XXXX called me and threatened me stating they sent me a letter and if I dont pay the money I will be sued or possibly have my credit damaged for good. I advised them I spoke with milestone and since I was not working at the time my account was written off as bad debt this was done since 2016. This creditor says if I dont pay they will take me to court and damaged my reputation. I was afraid and I give my bank information as they requested. I need your help so this company does not take my money
Consumer complaint received 2019-04-16
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)

I checked my credit report cause I am a vitim of faurd and see that even though I know for a fact that this information is correct and isn't correct. The credit beaure stated that they verified the information with XXXX I was told via telephone that they get their information from a third party by the name of a pacer. I am well informed that the information has to come from original person such as the bankruptcy court. I went to the court and they assured me that even if I had filed bankruptcy or proceedings that they do not share or communicate with third parties or this business called XXXX I was informed by Experian, XXXX, XXXX that it was a, informed that this information is verified, or has been provided by a third party information collector. with these findings I Also contacted the Bankruptcy Court of record again and was informed by the court clerks office that there was NO known attempt to verify or confirm the erroneous information or correct the error. The clerks office strongly suggested that I contact your offices with this problem. These are not Corrcet
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2019-10-08
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MN)

I agreed to terms with sales people at XXXX XXXX XXXX, and NMAC, and the terms were changed after purchase. A 90-day deferment is not being honored. Please see attached documents. 

A copy of the financing agreement was not provided to me upon signing the documents.
Consumer complaint received 2019-05-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NV)

On XX/XX/2019 I came to the nearest Wells Fargo Bank located at XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX to notarize some documents to establish an electric service in another city. I was told to bring my statement with my ID, and I ran home to print it out. When I was back I was taken by a personal banker, XXXX XXXX, who refused to notarize my statement about establishing an account with a utility company, because it was against Wells Fargo policy. I asked XXXX XXXX to provide me with a copy of Wells Fargo policy about notarizing documents, and she refused to. Then I asked to notarize any acceptable to Wells Fargo policy document, because I just needed to have any notarized document confirming my identity, and XXXX XXXX refused again. She also refused to provide me with a list of documents which Wells Fargo would notarize for me. I asked XXXX XXXX about her refusal to notarize any document for me, and she said that she did not feel like notarizing all for me anything at. I asked for another banker, and I was provided with another banker, XXXX XXXX, who came to XXXX XXXX to find out what was going on, and XXXX XXXX was talking very loud explaining to XXXX XXXX that she did not feel like notarizing for me any documents, and XXXX XXXX also refused to notarize any documents for me at all, and even providing for me with Wells Fargo notary policy and list of documents Wells Fargo would notarize. I explain to XXXX XXXX that both bankers harassed me, and she said that they only refused service to me, and it was not harassment at all. I am legally insane having XXXXl XXXX, and I get easily hurt by words and any kind of mistreatment. I should probably sue Wells Fargo for my medical bills, pain and suffering because XXXX XXXX and XXXX XXXX refused me with service without any reasons, just because they did not like me, and I was very polite doing nothing to embarrass them. I feel like they did not like my nationality and XXXX, that was why they discriminated and harassed me, so they both should get fired for misconduct, harassment, discrimination and intellectual XXXX. Because of XXXX XXXX and XXXX XXXX harassment I came home very sick and full of pain. I still feel pain, and I need to get hospitalized because my pain killers and antidepressants don't help me anymore.
Consumer complaint received 2019-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (CA)

I have a loan with OCWEN. I have always made all of my payments on time. One day I decided to check my credit on XXXX when I saw an alert come up on my phone, I immediately went on my computer, and I realized that there was a late payment on my XXXX credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX  and OCWEN with no successful resolution. Only XXXX is reporting me late. There was definitely an error on their part, I always made payment on my mortgage a few weeks earlier than the due date, and always on time. I was never 30 days late, and I was never 60 days late three times.